Morristown FHA Loan Rates, Closing Costs & Stats

MORRISTOWN, TN

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Morristown's 89 lenders originated 610 FHA loans during 2023. The total origination value was $139,050,000, with an average FHA loan value of $227,951.

    Morristown FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Morristown averaged 6.54% for the week of 2025-02-14, compared to the national average (all FHA variants) of 6.515% for the same period.

    Morristown's average FHA mortgage closing costs are $7,529.

    The average rate for the prior week (2025-02-07) was 6.26% and one month ago for the week of 2025-01-10, the average rate was 6.62%.

    The average rate one year ago was 6.55%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.57%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Morristown FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Morristown level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    MORTGAGE INVESTORS GROUP, INC. 78 6.32% $9,536
    DHI MORTGAGE COMPANY, LTD. 64 5.97% $7,342
    QUICKEN LOANS, LLC 63 6.46% $10,814
    UNITED WHOLESALE MORTGAGE, LLC 24 6.22% $13,260
    CMG MORTGAGE, INC. 22 6.51% $11,255
    CARDINAL FINANCIAL 20 6.76% $12,416
    FIRST COMMUNITY MORTGAGE, INC. 20 6.24% $10,614
    FREEDOM MORTGAGE CORPORATION 13 7.10% $10,473
    EVERETT FINANCIAL, INC. 12 6.86% $9,519
    AMERICAN FINANCIAL RESOURCES, INC. 12 6.44% $11,245
    UNION HOME MORTGAGE CORP. 12 6.34% $9,915
    BROKER SOLUTIONS, INC. 11 6.86% $9,964
    CROSSCOUNTRY MORTGAGE, LLC 11 6.62% $10,533
    MOVEMENT MORTGAGE, LLC 11 6.39% $10,574
    Sierra Pacific Mortgage Company, Inc. 10 6.58% $14,853
    PENNYMAC LOAN SERVICES, LLC 9 5.83% $14,231
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 6.81% $8,802
    Carrington Mortgage Services, LLC 6 6.54% $13,619
    LOANDEPOT.COM, LLC 6 6.46% $12,171
    Mr. Cooper ( Nationstar Mortgage ) 5 5.90% $14,716
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.52% $12,732
    FirstBank 5 6.72% $9,315
    Citizens Bank 5 6.63% $8,472
    ACADEMY MORTGAGE CORPORATION 5 6.80% $9,750
    Paramount Residential Mortgage Group, Inc. 4 6.47% $9,424
    EMBRACE HOME LOANS, INC. 3 6.75% $8,018
    AMERICAN FINANCIAL NETWORK, INC. 3 7.21% $9,144
    ALAMEDA MORTGAGE CORPORATION 3 6.96% $8,841
    NFM, INC. 3 6.50% $10,588
    Plains Commerce Bank 3 6.79% $12,078
    TOP FLITE FINANCIAL, INC. 3 6.88% $14,859
    NEWREZ LLC 3 6.63% $7,394
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.25% $9,889
    SUCCESS MORTGAGE PARTNERS, INC. 3 6.66% $11,521
    Northpointe Bank 2 6.25% $9,495
    ISERVE RESIDENTIAL LENDING, LLC 2 7.69% $13,870
    LAKEVIEW LOAN SERVICING, LLC 2 5.62% $13,086
    MID AMERICA MORTGAGE, INC. 2 7.50% $5,864
    MILEND, INC. 2 7.06% $10,377
    SmartBank 2 6.44% $12,642
    STOCKTON MORTGAGE CORPORATION 2 6.44% $10,270
    ROSS MORTGAGE CORPORATION 2 6.88% $10,807
    RELIANCE FIRST CAPITAL, LLC 2 6.94% $13,524
    The Federal Savings Bank 2 6.44% $21,527
    Equity Prime Mortgage LLC 2 5.94% $13,157
    U.S. Bank 2 5.88% $13,701
    VANDERBILT MORTGAGE AND FINANCE, INC. 2 5.75% $10,858
    Gateway First Bank 2 7.00% $8,303
    GUARANTEED RATE, INC. 2 6.25% $8,611
    GVC MORTGAGE, INC. 2 6.94% $9,654
    Bank of England 2 7.00% $10,516
    ZILLOW HOME LOANS, LLC 1 6.88% $14,109
    Alcova Mortgage LLC 1 7.75% $12,482
    AMERICAN FINANCING CORPORATION 1 5.99% $10,785
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.75% $12,126
    AMERISAVE MORTGAGE CORPORATION 1 5.75% $10,489
    BAY EQUITY LLC 1 7.13% $6,174
    Century Mortgage Company DBA Century Lending Company 1 5.99% $17,730
    Commerce Home Mortgage, Inc. 1 7.13% $9,344
    COMMUNITY MORTGAGE CORPORATION 1 6.00% $6,706
    COMPASS MORTGAGE, INC. 1 6.50% $7,371
    CORNERSTONE HOME LENDING, INC. 1 6.75% $13,266
    DAS Acquisition Company, LLC 1 6.00% $13,021
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 7.25% $16,474
    First Federal Bank 1 6.50% $9,551
    FirstTrust Home Loans, Inc. 1 7.13% $12,270
    GSF Mortgage Corporation 1 5.50% $24,545
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.88% $5,262
    HOMESIDE FINANCIAL, LLC 1 6.13% $7,096
    INTERLINC MORTGAGE SERVICES, LLC 1 5.88% $11,555
    LADERA LENDING, INC. 1 6.63% $7,049
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.75% $7,735
    Nations Lending Corporation 1 7.00% $11,910
    PANORAMA MORTGAGE GROUP, LLC 1 7.13% $11,176
    PENTAGON FEDERAL CREDIT UNION 1 6.25% $10,855
    Pinnacle Bank 1 5.75% $10,284
    Prosperity Home Mortgage, LLC 1 6.63% $7,377
    Regions Bank 1 5.75% $7,806
    Residential Mortgage Solutions, Inc. 1 6.88% $12,694
    RUOFF MORTGAGE COMPANY, INC. 1 4.88% $12,865
    SECURITYNATIONAL MORTGAGE COMPANY 1 5.88% $9,966
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 7.25% $15,479
    SOUTHWEST STAGE FUNDING, LLC 1 6.75% $12,784
    SUN WEST MORTGAGE COMPANY, INC. 1 6.63% $5,676
    TOWNE MORTGAGE COMPANY 1 5.99% $12,713
    Truist 1 6.25% $7,343
    VAN DYK MORTGAGE CORPORATION 1 7.13% $9,812
    Wolfe Financial, Inc 1 6.88% $23,985
    1ST SIGNATURE LENDING, LLC 1 6.13% $20,287

    The top Morristown FHA lender as defined by loan originations is MORTGAGE INVESTORS GROUP, INC., with 78 FHA loans originated. Their average total fees are $9,536, which is $2,194 higher than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Morristown FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($7,342), EVERETT FINANCIAL, INC. ($9,519), MORTGAGE INVESTORS GROUP, INC. ($9,536), UNION HOME MORTGAGE CORP. ($9,915) and BROKER SOLUTIONS, INC. ($9,964).

    The lowest rate Morristown FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.97%), UNITED WHOLESALE MORTGAGE, LLC (6.22%), FIRST COMMUNITY MORTGAGE, INC. (6.24%), MORTGAGE INVESTORS GROUP, INC. (6.32%) and UNION HOME MORTGAGE CORP. (6.34%).

    Morristown FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    MORRISTOWN, TN GRAINGER 2022 $420,680 $538,650 $651,050 $809,150
    MORRISTOWN, TN HAMBLEN 2022 $420,680 $538,650 $651,050 $809,150
    MORRISTOWN, TN JEFFERSON 2022 $420,680 $538,650 $651,050 $809,150
    MORRISTOWN, TN GRAINGER 2023 $472,030 $604,400 $730,525 $907,900
    MORRISTOWN, TN HAMBLEN 2023 $472,030 $604,400 $730,525 $907,900
    MORRISTOWN, TN JEFFERSON 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Morristown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $236,725 (33.4%) $315,037 (27.5%) 0.00 485
    2018-02-01 $235,000 (34.3%) $322,566 (32.4%) 0.00 460
    2018-03-01 $229,900 (27.8%) $324,806 (32.1%) 0.00 468
    2018-04-01 $247,700 (25.2%) $332,045 (28.4%) 0.00 457
    2018-05-01 $244,538 (17.4%) $324,043 (17.9%) 0.00 470
    2018-06-01 $241,400 (14.8%) $318,997 (13.6%) 0.00 479
    2018-07-01 $229,900 (10.8%) $304,902 (5.7%) 0.00 504
    2018-08-01 $229,900 (10.8%) $298,484 (-0.2%) 0.00 497
    2018-09-01 $229,825 (6.1%) $301,110 (-1.0%) 0.00 512
    2018-10-01 $216,950 (-2.5%) $294,573 (-2.3%) 0.00 518
    2018-11-01 $214,450 (-1.6%) $287,280 (-6.9%) 0.00 493
    2018-12-01 $215,000 (-6.5%) $280,403 (-9.7%) 0.00 455
    2019-01-01 $219,000 (-7.5%) $281,053 (-10.8%) 0.00 420
    2019-02-01 $219,900 (-6.4%) $285,891 (-11.4%) 0.00 395
    2019-03-01 $234,900 (2.2%) $304,159 (-6.4%) 0.00 374
    2019-04-01 $243,650 (-1.6%) $323,516 (-2.6%) 0.00 370
    2019-05-01 $243,650 (-0.4%) $340,703 (5.1%) 0.00 392
    2019-06-01 $245,000 (1.5%) $343,521 (7.7%) 0.00 419
    2019-07-01 $231,450 (0.7%) $336,519 (10.4%) 0.00 442
    2019-08-01 $229,900 (0.0%) $329,839 (10.5%) 0.00 429
    2019-09-01 $229,900 (0.0%) $324,450 (7.8%) 0.00 417
    2019-10-01 $229,923 (6.0%) $321,722 (9.2%) 0.00 409
    2019-11-01 $229,900 (7.2%) $325,301 (13.2%) 0.00 397
    2019-12-01 $233,675 (8.7%) $324,060 (15.6%) 0.00 362
    2020-01-01 $223,900 (2.2%) $303,796 (8.1%) 0.00 347
    2020-02-01 $229,900 (4.6%) $307,479 (7.6%) 0.00 335
    2020-03-01 $229,900 (-2.1%) $309,545 (1.8%) 0.00 316
    2020-04-01 $231,660 (-4.9%) $305,147 (-5.7%) 0.00 300
    2020-05-01 $249,900 (2.6%) $324,607 (-4.7%) 0.00 277
    2020-06-01 $262,225 (7.0%) $345,732 (0.6%) 0.00 236
    2020-07-01 $271,950 (17.5%) $360,605 (7.2%) 0.00 225
    2020-08-01 $279,900 (21.8%) $375,727 (13.9%) 0.00 212
    2020-09-01 $281,800 (22.6%) $372,727 (14.9%) 0.00 182
    2020-10-01 $255,000 (10.9%) $375,362 (16.7%) 0.00 183
    2020-11-01 $251,819 (9.5%) $369,070 (13.5%) 0.00 195
    2020-12-01 $249,900 (6.9%) $381,096 (17.6%) 0.00 186
    2021-01-01 $247,578 (10.6%) $363,678 (19.7%) 0.00 174
    2021-02-01 $293,475 (27.7%) $393,235 (27.9%) 0.00 142
    2021-03-01 $333,900 (45.2%) $454,028 (46.7%) 0.00 123
    2021-04-01 $325,000 (40.3%) $469,937 (54.0%) 0.00 125
    2021-05-01 $324,900 (30.0%) $493,960 (52.2%) 0.00 123
    2021-06-01 $307,175 (17.1%) $442,449 (28.0%) 0.00 137
    2021-07-01 $329,900 (21.3%) $472,123 (30.9%) 0.00 161
    2021-08-01 $332,000 (18.6%) $484,535 (29.0%) 0.00 175
    2021-09-01 $299,800 (6.4%) $464,827 (24.7%) 0.00 191
    2021-10-01 $299,900 (17.6%) $469,181 (25.0%) 0.00 206
    2021-11-01 $328,000 (30.3%) $462,941 (25.4%) 0.00 206
    2021-12-01 $331,451 (32.6%) $484,792 (27.2%) 0.00 173
    2022-01-01 $324,950 (31.3%) $469,806 (29.2%) 0.00 141
    2022-02-01 $354,675 (20.9%) $528,684 (34.4%) 0.00 128
    2022-03-01 $369,900 (10.8%) $524,918 (15.6%) 0.00 149
    2022-04-01 $327,450 (0.8%) $495,078 (5.4%) 0.00 169
    2022-05-01 $361,950 (11.4%) $496,683 (0.6%) 0.00 197
    2022-06-01 $363,450 (18.3%) $517,335 (16.9%) 0.00 222
    2022-07-01 $359,900 (9.1%) $506,570 (7.3%) 0.00 259
    2022-08-01 $359,450 (8.3%) $501,275 (3.5%) 0.00 245
    2022-09-01 $359,900 (20.1%) $495,184 (6.5%) 0.00 234
    2022-10-01 $359,000 (19.7%) $495,368 (5.6%) 0.00 246
    2022-11-01 $349,900 (6.7%) $496,293 (7.2%) 0.00 279
    2022-12-01 $351,950 (6.2%) $512,530 (5.7%) 0.00 247
    2023-01-01 $339,175 (4.4%) $475,266 (1.2%) 0.00 216
    2023-02-01 $344,900 (-2.8%) $476,414 (-9.9%) 0.00 222
    2023-03-01 $361,950 (-2.2%) $508,779 (-3.1%) 0.00 230
    2023-04-01 $398,000 (21.6%) $523,082 (5.7%) 0.00 212
    2023-05-01 $449,925 (24.3%) $569,764 (14.7%) 0.00 207
    2023-06-01 $449,950 (23.8%) $568,747 (9.9%) 0.00 236
    2023-07-01 $479,900 (33.3%) $706,537 (39.5%) 0.00 243
    2023-08-01 $486,950 (35.5%) $732,331 (46.1%) 0.00 247
    2023-09-01 $459,950 (27.8%) $635,210 (28.3%) 0.00 251
    2023-10-01 $449,900 (25.3%) $607,462 (22.6%) 0.00 274
    2023-11-01 $449,900 (28.6%) $608,969 (22.7%) 0.00 273
    2023-12-01 $444,900 (26.4%) $602,714 (17.6%) 0.00 258
    2024-01-01 $449,950 (32.7%) $611,219 (28.6%) 0.00 242
    2024-02-01 $459,925 (33.4%) $599,394 (25.8%) 0.00 242
    2024-03-01 $449,789 (24.3%) $587,274 (15.4%) 0.00 242
    2024-04-01 $438,855 (10.3%) $593,866 (13.5%) 0.00 245
    2024-05-01 $449,675 (-0.1%) $602,600 (5.8%) 0.00 279
    2024-06-01 $470,000 (4.5%) $620,332 (9.1%) 0.00 278
    2024-07-01 $463,500 (-3.4%) $631,071 (-10.7%) 0.00 340
    2024-08-01 $434,750 (-10.7%) $620,254 (-15.3%) 0.00 363
    2024-09-01 $421,175 (-8.4%) $608,680 (-4.2%) 0.00 404
    2024-10-01 $426,000 (-5.3%) $589,864 (-2.9%) 0.00 416
    2024-11-01 $419,450 (-6.8%) $588,886 (-3.3%) 0.00 414
    2024-12-01 $399,950 (-10.1%) $586,307 (-2.7%) 0.00 396
    2025-01-01 $402,225 (-10.6%) $575,193 (-5.9%) 0.00 367
    Morristown's median listing price for 2025-01-01 was $402,225, a difference of $-47,725 (-10.6%) versus the prior year and $2,275 versus the prior month.

    Morristown's median listing price comes in at 0% of the national average.

    Morristown's average listing price for 2025-01-01 was $575,193, a difference of $-36,026 (-5.9%) versus the prior year and $-11,114 versus the prior month.

    For the 2025-01-01 period, Morristown had 367 MLS listings, a difference of -29 listings (-7%) versus the prior month and 125 listings (52%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Morristown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,935 sqft
    2018-02-01 0 days 1,922 sqft
    2018-03-01 0 days 1,959 sqft
    2018-04-01 0 days 1,984 sqft
    2018-05-01 0 days 1,993 sqft
    2018-06-01 0 days 2,005 sqft
    2018-07-01 0 days 1,951 sqft
    2018-08-01 0 days 1,971 sqft
    2018-09-01 0 days 1,980 sqft
    2018-10-01 0 days 1,999 sqft
    2018-11-01 0 days 1,968 sqft
    2018-12-01 0 days 1,940 sqft
    2019-01-01 0 days 1,960 sqft
    2019-02-01 0 days 1,963 sqft
    2019-03-01 0 days 2,043 sqft
    2019-04-01 0 days 2,067 sqft
    2019-05-01 0 days 2,012 sqft
    2019-06-01 0 days 2,052 sqft
    2019-07-01 0 days 2,023 sqft
    2019-08-01 0 days 2,030 sqft
    2019-09-01 0 days 2,076 sqft
    2019-10-01 0 days 2,103 sqft
    2019-11-01 0 days 2,048 sqft
    2019-12-01 0 days 2,026 sqft
    2020-01-01 0 days 1,914 sqft
    2020-02-01 0 days 1,949 sqft
    2020-03-01 0 days 1,956 sqft
    2020-04-01 0 days 1,952 sqft
    2020-05-01 0 days 1,991 sqft
    2020-06-01 0 days 2,033 sqft
    2020-07-01 0 days 1,990 sqft
    2020-08-01 0 days 2,125 sqft
    2020-09-01 0 days 2,051 sqft
    2020-10-01 0 days 1,937 sqft
    2020-11-01 0 days 1,888 sqft
    2020-12-01 0 days 1,883 sqft
    2021-01-01 0 days 1,836 sqft
    2021-02-01 0 days 1,913 sqft
    2021-03-01 0 days 2,011 sqft
    2021-04-01 0 days 2,048 sqft
    2021-05-01 0 days 2,000 sqft
    2021-06-01 0 days 1,981 sqft
    2021-07-01 0 days 2,040 sqft
    2021-08-01 0 days 1,981 sqft
    2021-09-01 0 days 2,028 sqft
    2021-10-01 0 days 2,021 sqft
    2021-11-01 0 days 1,972 sqft
    2021-12-01 0 days 1,969 sqft
    2022-01-01 0 days 1,935 sqft
    2022-02-01 0 days 1,938 sqft
    2022-03-01 0 days 1,928 sqft
    2022-04-01 0 days 1,800 sqft
    2022-05-01 0 days 1,905 sqft
    2022-06-01 0 days 1,965 sqft
    2022-07-01 0 days 1,968 sqft
    2022-08-01 0 days 2,002 sqft
    2022-09-01 0 days 2,010 sqft
    2022-10-01 0 days 2,009 sqft
    2022-11-01 0 days 1,948 sqft
    2022-12-01 0 days 1,971 sqft
    2023-01-01 0 days 1,906 sqft
    2023-02-01 0 days 1,964 sqft
    2023-03-01 0 days 1,984 sqft
    2023-04-01 0 days 1,988 sqft
    2023-05-01 0 days 2,140 sqft
    2023-06-01 0 days 2,056 sqft
    2023-07-01 0 days 2,192 sqft
    2023-08-01 0 days 2,164 sqft
    2023-09-01 0 days 2,086 sqft
    2023-10-01 0 days 2,049 sqft
    2023-11-01 0 days 2,084 sqft
    2023-12-01 0 days 2,085 sqft
    2024-01-01 0 days 2,063 sqft
    2024-02-01 0 days 2,017 sqft
    2024-03-01 0 days 2,014 sqft
    2024-04-01 0 days 2,010 sqft
    2024-05-01 0 days 2,025 sqft
    2024-06-01 0 days 2,052 sqft
    2024-07-01 0 days 2,000 sqft
    2024-08-01 0 days 2,000 sqft
    2024-09-01 0 days 2,000 sqft
    2024-10-01 0 days 2,007 sqft
    2024-11-01 0 days 2,000 sqft
    2024-12-01 0 days 2,000 sqft
    2025-01-01 0 days 2,000 sqft
    Morristown's median listing age (time on market) for 2025-01-01 was 0 days.

    Morristown's median square footage for active listings during the 2025-01-01 period was 2,000 sqft. One year prior, the average listing was 2,063 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).