Lowest closing cost mortgage lenders in Rutherford County County, Tennessee
In Rutherford County, Tennessee, homebuyers paid a median of $8,284 in closing costs in 2024 — above the Tennessee median of $6,647. The county saw 4,419 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, HOMEAMERICAN MORTGAGE CORPORATION offered the lowest median costs at $1,485, which is $4,789 less than the county median.
Homebuyers in Rutherford County County who chose HOMEAMERICAN MORTGAGE CORPORATION paid $6,799 less in closing costs than the county median.
County Median Costs
$8,284
+24.6% vs Tennessee ($6,647)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$3,086
Purchase Originations
4,419
vs Tennessee Median
24.6% above
$1,637
vs National Median
22.9% above
$1,543
Lender rankings in Rutherford County County
60 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,485 | 5.750% | $0 | 21 | −$4,789 | |
| 2 | $1,590 | 6.500% | $0 | 69 | −$4,684 | |
| 3 | $2,928 | 6.625% | $0 | 81 | −$3,346 | |
| 4 | $3,349 | 6.438% | $0 | 18 | −$2,925 | |
| 5 | $3,363 | 6.990% | $1,375 | 15 | −$2,911 | |
| 6 | $4,031 | 6.438% | $2,024 | 20 | −$2,243 | |
| 7 | $4,151 | 6.625% | $408 | 22 | −$2,123 | |
| 8 | $4,271 | 6.500% | $1,095 | 24 | −$2,003 | |
| 9 | $4,282 | 6.688% | $1,435 | 26 | −$1,992 | |
| 10 | $4,387 | 6.125% | $595 | 52 | −$1,887 | |
| 11 | $4,422 | 6.625% | $1,095 | 86 | −$1,852 | |
| 12 | $4,972 | 6.625% | $1,295 | 12 | −$1,302 | |
| 13 | $4,993 | 5.938% | $1,335 | 22 | −$1,281 | |
| 14 | $5,054 | 6.625% | $1,425 | 23 | −$1,220 | |
| 15 | $5,113 | 6.625% | $1,488 | 23 | −$1,161 | |
| 16 | $5,141 | 7.125% | $2,246 | 23 | −$1,133 | |
| 17 | $5,209 | 6.375% | $1,750 | 44 | −$1,065 | |
| 18 | $5,261 | 6.912% | $2,936 | 68 | −$1,013 | |
| 19 | $5,361 | 6.875% | $1,583 | 23 | −$913 | |
| 20 | $5,423 | 6.625% | $2,153 | 63 | −$851 | |
| 21 | $5,434 | 6.625% | $1,385 | 144 | −$840 | |
| 22 | $5,465 | 6.375% | $1,095 | 12 | −$809 | |
| 23 | $5,572 | 6.500% | $1,715 | 10 | −$702 | |
| 24 | $5,638 | 6.625% | $2,122 | 33 | −$636 | |
| 25 | $5,792 | 6.750% | $1,640 | 21 | −$482 | |
| 26 | $6,196 | 6.500% | $2,817 | 66 | −$78 | |
| 27 | $6,399 | 6.624% | $2,946 | 11 | +$125 | |
| 28 | $6,603 | 6.875% | $2,889 | 14 | +$329 | |
| 29 | $6,785 | 6.875% | $3,636 | 13 | +$511 | |
| 30 | $6,786 | 6.625% | $4,147 | 41 | +$512 | |
| 31 | $6,882 | 4.812% | $1,663 | 52 | +$608 | |
| 32 | $6,923 | 6.594% | $3,189 | 38 | +$649 | |
| 33 | $6,953 | 6.562% | $3,986 | 76 | +$679 | |
| 34 | $6,962 | 6.500% | $4,337 | 135 | +$688 | |
| 35 | $6,962 | 6.625% | $3,493 | 36 | +$688 | |
| 36 | $6,986 | 6.625% | $3,328 | 135 | +$712 | |
| 37 | $7,032 | 6.500% | $3,396 | 144 | +$758 | |
| 38 | $7,078 | 6.750% | $2,826 | 14 | +$804 | |
| 39 | $7,116 | 6.625% | $3,018 | 27 | +$842 | |
| 40 | $7,164 | 6.875% | $3,367 | 40 | +$890 | |
| 41 | $7,205 | 5.500% | $3,596 | 72 | +$931 | |
| 42 | $7,300 | 6.625% | $4,449 | 213 | +$1,026 | |
| 43 | $8,060 | 5.933% | $2,701 | 12 | +$1,786 | |
| 44 | $8,061 | 6.562% | $4,850 | 10 | +$1,787 | |
| 45 | $8,076 | 6.625% | $4,110 | 11 | +$1,802 | |
| 46 | $8,169 | 6.625% | $5,572 | 36 | +$1,895 | |
| 47 | $8,423 | 6.490% | $5,403 | 22 | +$2,149 | |
| 48 | $8,745 | 7.125% | $5,100 | 11 | +$2,471 | |
| 49 | $8,778 | 6.990% | $5,200 | 39 | +$2,504 | |
| 50 | $9,107 | 7.062% | $5,258 | 32 | +$2,833 | |
| 51 | $9,370 | 6.500% | $6,221 | 151 | +$3,096 | |
| 52 | $9,416 | 6.500% | $7,149 | 11 | +$3,142 | |
| 53 | $9,811 | 6.438% | $5,590 | 10 | +$3,537 | |
| 54 | $10,284 | 7.750% | $7,400 | 16 | +$4,010 | |
| 55 | $10,698 | 7.000% | $7,800 | 21 | +$4,424 | |
| 56 | $10,728 | 6.125% | $7,112 | 15 | +$4,454 | |
| 57 | $15,227 | 9.245% | $11,670 | 18 | +$8,953 |
Includes lenders with 10+ purchase originations in Rutherford County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Tennessee → Lender Directory
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.