Cookeville Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Cookeville averaged
6.68%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.68% and
one month ago for the week of 2025-05-29, the
average rate was 7.2%.
Cookeville's average rate one year ago was 7.17%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.4%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Cookeville 30 Year Fixed Rate | 2025-07-03 | 6.68% |
| Cookeville 30 Year Fixed Rate Refi | 2025-07-03 | 7.4% |
| Cookeville 15 Year Fixed Rate | 2025-07-03 | 5.8% |
| Cookeville 15 Year Fixed Rate Refi | 2025-07-03 | 5.7% |
| Cookeville 30 Year FHA | 2025-07-03 | -0.06% |
| Cookeville 30 Year FHA Refi | 2025-07-03 | -0.2% |
| Cookeville 30 Year USDA | 2025-07-03 | 0% |
| Cookeville 30 Year USDA Refi | 2025-07-03 | -0.2% |
| Cookeville 30 Year VA | 2025-07-03 | 0.09% |
| Cookeville 30 Year VA Refi | 2025-07-03 | -0.2% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Cookeville, TN.
Cookeville Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Cookeville, TN market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Cookeville Average Closing Costs & Other Stats
Cookeville, TN's 124 lenders originated 2,007
loans during 2024. The total origination value was $455,295,000, with an average loan value of
$226,854.
Cookeville's average closing costs are $5,396.
The top Cookeville lender as defined by loan originations is QUICKEN LOANS, LLC, with
58 loans originated. Their average total fees are
$6,995, which is $334
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Cookeville lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($2,140), Wilson Bank And Trust ($2,518), Citizens Bank of Lafayette ($2,727), ASCEND FEDERAL CREDIT UNION ($3,162) and Regions Bank ($4,196).
The lowest rate Cookeville lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.76%), ASCEND FEDERAL CREDIT UNION (6.44%), FIRST COMMUNITY MORTGAGE, INC. (6.57%), PENNYMAC LOAN SERVICES, LLC (6.61%) and MORTGAGE INVESTORS GROUP, INC. (6.68%).
Cookeville, TN Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $22,635,000 | $34,405,000 | 52.0% | 7.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $9,370,000 | $32,310,000 | 244.8% | 7.1% |
| Citizens Bank of Lafayette | $38,055,000 | $22,940,000 | -39.7% | 5.0% |
| UNION HOME MORTGAGE CORP. | $18,460,000 | $20,960,000 | 13.5% | 4.6% |
| DHI MORTGAGE COMPANY, LTD. | $2,795,000 | $19,915,000 | 612.5% | 4.4% |
| FirstBank | $24,260,000 | $19,860,000 | -18.1% | 4.4% |
| Wilson Bank And Trust | $9,225,000 | $17,155,000 | 86.0% | 3.8% |
| MORTGAGE INVESTORS GROUP, INC. | $19,995,000 | $15,990,000 | -20.0% | 3.5% |
| AMERICAN FINANCIAL NETWORK, INC. | $12,720,000 | n/a | 2.8% | |
| Mortgage Research Center, LLC | $7,420,000 | $12,335,000 | 66.2% | 2.7% |
| Regions Bank | $8,185,000 | $8,870,000 | 8.4% | 1.9% |
| SmartBank | $5,815,000 | $8,820,000 | 51.7% | 1.9% |
| PENNYMAC LOAN SERVICES, LLC | $9,305,000 | $8,060,000 | -13.4% | 1.8% |
| Farm Credit Mid-America, ACA | $4,480,000 | $7,330,000 | 63.6% | 1.6% |
| First Horizon Bank | $11,300,000 | $7,050,000 | -37.6% | 1.5% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | $7,095,000 | $6,880,000 | -3.0% | 1.5% |
| U.S. Bank | $8,380,000 | $6,495,000 | -22.5% | 1.4% |
| FREEDOM MORTGAGE CORPORATION | $2,060,000 | $6,295,000 | 205.6% | 1.4% |
| NAVY FEDERAL CREDIT UNION | $4,775,000 | $6,015,000 | 26.0% | 1.3% |
| Citizens Bank | $2,310,000 | $5,745,000 | 148.7% | 1.3% |
| CMG MORTGAGE, INC. | $6,850,000 | $5,160,000 | -24.7% | 1.1% |
| ASCEND FEDERAL CREDIT UNION | $2,605,000 | $5,110,000 | 96.2% | 1.1% |
| VAN DYK MORTGAGE CORPORATION | $5,420,000 | $5,040,000 | -7.0% | 1.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,965,000 | $4,915,000 | 150.1% | 1.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,145,000 | $4,335,000 | 37.8% | 1.0% |
| USAA Federal Savings Bank | $1,780,000 | $3,775,000 | 112.1% | 0.8% |
| GUARANTEED RATE, INC. | $2,970,000 | $3,670,000 | 23.6% | 0.8% |
| LOANDEPOT.COM, LLC | $2,250,000 | $3,625,000 | 61.1% | 0.8% |
| GUILD MORTGAGE COMPANY | $965,000 | $3,490,000 | 261.7% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,395,000 | $3,460,000 | 1.9% | 0.8% |
| EMBRACE HOME LOANS, INC. | $2,320,000 | $3,325,000 | 43.3% | 0.7% |
| United Community Bank | $260,000 | $3,265,000 | 1,155.8% | 0.7% |
| SouthEast Bank | $2,755,000 | $3,080,000 | 11.8% | 0.7% |
| ISERVE RESIDENTIAL LENDING, LLC | $1,235,000 | $2,735,000 | 121.5% | 0.6% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $2,710,000 | n/a | 0.6% | |
| First Volunteer Bank | $2,640,000 | $2,595,000 | -1.7% | 0.6% |
| The First National Bank of Middle Tennessee | $155,000 | $2,475,000 | 1,496.8% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,255,000 | $2,430,000 | 93.6% | 0.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $2,365,000 | n/a | 0.5% | |
| 21ST MORTGAGE CORPORATION | $2,615,000 | $2,245,000 | -14.1% | 0.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $5,710,000 | $2,130,000 | -62.7% | 0.5% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $215,000 | $2,060,000 | 858.1% | 0.5% |
| Wells Fargo Bank | $3,265,000 | $1,830,000 | -44.0% | 0.4% |
| F&M Bank | $3,360,000 | $1,800,000 | -46.4% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $955,000 | $1,740,000 | 82.2% | 0.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,525,000 | $1,665,000 | 9.2% | 0.4% |
| JPMorgan Chase Bank | $795,000 | $1,625,000 | 104.4% | 0.4% |
| Stifel Bank and Trust | $1,615,000 | n/a | 0.4% | |
| Ally Bank | $1,565,000 | n/a | 0.3% | |
| NEWREZ LLC | $870,000 | $1,520,000 | 74.7% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $1,505,000 | $1,500,000 | -0.3% | 0.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | $115,000 | $1,480,000 | 1,187.0% | 0.3% |
| CHURCHILL MORTGAGE CORPORATION | $2,875,000 | $1,480,000 | -48.5% | 0.3% |
| PLANET HOME LENDING, LLC | $225,000 | $1,470,000 | 553.3% | 0.3% |
| Legacy Home Loans, LLC | $550,000 | $1,465,000 | 166.4% | 0.3% |
| FIRST COLONY MORTGAGE CORPORATION | $1,430,000 | n/a | 0.3% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $480,000 | $1,420,000 | 195.8% | 0.3% |
| ACOPIA, LLC | $4,250,000 | $1,415,000 | -66.7% | 0.3% |
| BROKER SOLUTIONS, INC. | $1,740,000 | $1,375,000 | -21.0% | 0.3% |
| Truist | $1,975,000 | $1,365,000 | -30.9% | 0.3% |
| Pinnacle Bank | $3,500,000 | $1,330,000 | -62.0% | 0.3% |
| AmRes Corporation | $700,000 | $1,325,000 | 89.3% | 0.3% |
| SOUTHWEST STAGE FUNDING, LLC | $550,000 | $1,265,000 | 130.0% | 0.3% |
| Carrington Mortgage Services, LLC | $1,410,000 | $1,260,000 | -10.6% | 0.3% |
| Citizens Bank | $2,310,000 | $1,260,000 | -45.5% | 0.3% |
| STOCKTON MORTGAGE CORPORATION | $1,420,000 | $1,260,000 | -11.3% | 0.3% |
| CU COMMUNITY, LLC | $1,260,000 | $1,170,000 | -7.1% | 0.3% |
| Flagstar Bank, FSB | $1,695,000 | $1,170,000 | -31.0% | 0.3% |
| SOUTHWEST FUNDING, LP | $1,170,000 | n/a | 0.3% | |
| BancorpSouth | $1,685,000 | $1,165,000 | -30.9% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $995,000 | $1,140,000 | 14.6% | 0.3% |
| AmeriHome Mortgage Company, LLC | $205,000 | $1,130,000 | 451.2% | 0.2% |
| Discover Bank | $990,000 | $1,130,000 | 14.1% | 0.2% |
| Morgan Stanley Private Bank | $525,000 | $1,130,000 | 115.2% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $1,535,000 | $1,125,000 | -26.7% | 0.2% |
| FIRST FREEDOM BANK | $1,355,000 | $1,120,000 | -17.3% | 0.2% |
| SeaTrust Mortgage Company | $1,010,000 | n/a | 0.2% | |
| NexBank | $105,000 | $945,000 | 800.0% | 0.2% |
| NFM, INC. | $710,000 | $940,000 | 32.4% | 0.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $675,000 | $925,000 | 37.0% | 0.2% |
| AMERICAN FINANCING CORPORATION | $895,000 | n/a | 0.2% | |
| Plains Commerce Bank | $595,000 | $890,000 | 49.6% | 0.2% |
| 1ST SIGNATURE LENDING, LLC | $415,000 | $885,000 | 113.3% | 0.2% |
| The Huntington National Bank | $105,000 | $865,000 | 723.8% | 0.2% |
| Fifth Third Bank | $505,000 | $830,000 | 64.4% | 0.2% |
| INTERLINC MORTGAGE SERVICES, LLC | $840,000 | $790,000 | -6.0% | 0.2% |
| Old National Bank | $760,000 | n/a | 0.2% | |
| Magnolia Bank | $700,000 | $725,000 | 3.6% | 0.2% |
| MID AMERICA MORTGAGE, INC. | $1,670,000 | $720,000 | -56.9% | 0.2% |
| PHH Mortgage Corporation | $330,000 | $705,000 | 113.6% | 0.2% |
| FIRST STATE MORTGAGE SERVICES, LLC | $700,000 | n/a | 0.2% | |
| COMMUNITYAMERICA | $680,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $215,000 | $675,000 | 214.0% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $670,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $790,000 | $670,000 | -15.2% | 0.1% |
| THE TENNESSEE CREDIT UNION | $1,965,000 | $670,000 | -65.9% | 0.1% |
| BETTER MORTGAGE CORPORATION | $660,000 | n/a | 0.1% | |
| NBKC BANK | $530,000 | $660,000 | 24.5% | 0.1% |
| INOVA FEDERAL CREDIT UNION | $655,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $560,000 | $640,000 | 14.3% | 0.1% |
| First-Citizens Bank & Trust Company | $625,000 | n/a | 0.1% | |
| Figure Lending LLC | $390,000 | $615,000 | 57.7% | 0.1% |
| LOANPAL, LLC | $340,000 | $615,000 | 80.9% | 0.1% |
| The Loan Store, Inc. | $245,000 | $590,000 | 140.8% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $475,000 | $585,000 | 23.2% | 0.1% |
| DAS Acquisition Company, LLC | $805,000 | $575,000 | -28.6% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $370,000 | $570,000 | 54.1% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $670,000 | $550,000 | -17.9% | 0.1% |
| Y-12 Federal Credit Union | $550,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $765,000 | $505,000 | -34.0% | 0.1% |
| DIRECT MORTGAGE LOANS, LLC | $485,000 | n/a | 0.1% | |
| ORNL Federal Credit Union | $245,000 | $480,000 | 95.9% | 0.1% |
| CIBM Bank | $475,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $935,000 | $475,000 | -49.2% | 0.1% |
| EVANSVILLE TEACHERS | $1,155,000 | $465,000 | -59.7% | 0.1% |
| First National Bank of America | $465,000 | n/a | 0.1% | |
| Southern Bank of Tennessee | $690,000 | $465,000 | -32.6% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,080,000 | $450,000 | -58.3% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $450,000 | n/a | 0.1% | |
| Nations Lending Corporation | $565,000 | $445,000 | -21.2% | 0.1% |
| Coastal Community Bank | $215,000 | $435,000 | 102.3% | 0.1% |
| NORTHWEST BANK OF ROCKFORD | $430,000 | n/a | 0.1% | |
| KeyBank | $425,000 | n/a | 0.1% | |
| EMM LOANS LLC | $415,000 | n/a | 0.1% | |
| ServisFirst Bank | $415,000 | n/a | 0.1% | |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $410,000 | n/a | 0.1% | |
| Bank of America | $1,390,000 | $410,000 | -70.5% | 0.1% |
| Bell Bank | $385,000 | $405,000 | 5.2% | 0.1% |
| Total Media Management, LLC | $520,000 | $400,000 | -23.1% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $120,000 | $390,000 | 225.0% | 0.1% |
| THE MORTGAGE FIRM, INC. | $385,000 | n/a | 0.1% | |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | $380,000 | n/a | 0.1% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $385,000 | $375,000 | -2.6% | 0.1% |
| GMFS LLC | $375,000 | n/a | 0.1% | |
| Sandy Spring Bank | $375,000 | n/a | 0.1% | |
| The State Bank and Trust Company | $365,000 | n/a | 0.1% | |
| AXIA FINANCIAL, LLC | $360,000 | n/a | 0.1% | |
| Hancock Whitney Bank | $355,000 | n/a | 0.1% | |
| Ixonia Bank | $355,000 | n/a | 0.1% | |
| Onpath Federal Credit Union | $355,000 | n/a | 0.1% | |
| Renasant Bank | $1,070,000 | $345,000 | -67.8% | 0.1% |
| NEW DAY FINANCIAL, LLC | $480,000 | $340,000 | -29.2% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $355,000 | $320,000 | -9.9% | 0.1% |
| LADERA LENDING, INC. | $305,000 | $315,000 | 3.3% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $315,000 | n/a | 0.1% | |
| Princeton Mortgage Corporation | $315,000 | n/a | 0.1% | |
| University Bank | $430,000 | $315,000 | -26.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,945,000 | $310,000 | -84.1% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $280,000 | $305,000 | 8.9% | 0.1% |
| ONY GLO, INC. | $305,000 | n/a | 0.1% | |
| Victorian Finance, LLC | $305,000 | n/a | 0.1% | |
| EASTMAN | $65,000 | $300,000 | 361.5% | 0.1% |
| ALLIANT CREDIT UNION | $295,000 | n/a | 0.1% | |
| Chickasaw Community Bank | $295,000 | n/a | 0.1% | |
| MORTGAGEONE, INC. | $295,000 | n/a | 0.1% | |
| Franklin Loan Corporation | $325,000 | $285,000 | -12.3% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $285,000 | n/a | 0.1% | |
| ROSS MORTGAGE CORPORATION | $285,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $610,000 | $275,000 | -54.9% | 0.1% |
| MLD MORTGAGE INC. | $275,000 | n/a | 0.1% | |
| NMSI, INC. | $275,000 | n/a | 0.1% | |
| Synovus Bank | $275,000 | n/a | 0.1% | |
| Bank of Tennessee | $265,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $145,000 | $265,000 | 82.8% | 0.1% |
| CORNERSTONE FINANCIAL CREDIT UNION | $265,000 | n/a | 0.1% | |
| AHL FUNDING | $255,000 | n/a | 0.1% | |
| Ameris Bank | $235,000 | $255,000 | 8.5% | 0.1% |
| Financial Funding Solutions, Inc. | $255,000 | n/a | 0.1% | |
| First Western Trust Bank | $255,000 | n/a | 0.1% | |
| The Federal Savings Bank | $1,850,000 | $255,000 | -86.2% | 0.1% |
| TJC Mortgage, Inc. | $255,000 | $255,000 | 0.0% | 0.1% |
| CARDINAL FINANCIAL | $1,855,000 | $250,000 | -86.5% | 0.1% |
| ENDEAVOR CAPITAL, LLC. | $245,000 | n/a | 0.1% | |
| GARDNER FINANCIAL SERVICES, LTD. | $545,000 | $245,000 | -55.0% | 0.1% |
| Edmonton State Bank | $235,000 | n/a | 0.1% | |
| Farmers Bank & Trust | $235,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $215,000 | $235,000 | 9.3% | 0.1% |
| SUMMIT FUNDING, INC. | $225,000 | n/a | 0.0% | |
| Legends Bank | $215,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $385,000 | $215,000 | -44.2% | 0.0% |
| PNC Bank | $955,000 | $215,000 | -77.5% | 0.0% |
| Commerce Home Mortgage, Inc. | $115,000 | $205,000 | 78.3% | 0.0% |
| First Federal Bank | $175,000 | $205,000 | 17.1% | 0.0% |
| LENDSURE MORTGAGE CORP. | $205,000 | n/a | 0.0% | |
| Pacific Lending LLC | $195,000 | n/a | 0.0% | |
| Macon Bank and Trust Company | $155,000 | $185,000 | 19.4% | 0.0% |
| ARC HOME LLC | $165,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $155,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $560,000 | $155,000 | -72.3% | 0.0% |
| CapStar Bank | $215,000 | $145,000 | -32.6% | 0.0% |
| Citadel Servicing Corporation | $340,000 | $145,000 | -57.4% | 0.0% |
| Community Trust Bank, Inc. | $200,000 | $145,000 | -27.5% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $605,000 | $105,000 | -82.6% | 0.0% |
| Citizens Tri-County Bank | $510,000 | $85,000 | -83.3% | 0.0% |
| Northwest Federal Credit Union | $190,000 | $85,000 | -55.3% | 0.0% |
| Southeast Financial Credit Union | $85,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $80,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $55,000 | $55,000 | 0.0% | 0.0% |
| DIGITAL Federal Credit Union | $45,000 | n/a | 0.0% |
Cookeville's top lender by overall market share is QUICKEN LOANS, LLC, with 7.6% market share. In second place, with 7.1%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $32,310,000 in loans. In third place, with 5.0%, is Citizens Bank of Lafayette, having originated $22,940,000 in loans. In fourth place, with 4.6%, is UNION HOME MORTGAGE CORP., having originated $20,960,000 in loans. In fifth place, with 4.4%, is DHI MORTGAGE COMPANY, LTD., having originated $19,915,000 in loans.
Cookeville Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Cookeville (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 | $195,450 (2.9%) | $255,788 (2.2%) | 0.00 | 522 |
| 2018-02-01 | $199,450 (5.0%) | $259,451 (2.9%) | 0.00 | 526 |
| 2018-03-01 | $200,000 (0.2%) | $265,605 (0.1%) | 0.00 | 497 |
| 2018-04-01 | $209,450 (1.0%) | $276,248 (0.5%) | 0.00 | 497 |
| 2018-05-01 | $207,950 (-3.3%) | $277,858 (-0.1%) | 0.00 | 524 |
| 2018-06-01 | $224,900 (4.6%) | $285,255 (2.9%) | 0.00 | 530 |
| 2018-07-01 | $227,800 (6.0%) | $288,735 (4.9%) | 0.00 | 546 |
| 2018-08-01 | $224,900 (8.4%) | $292,711 (5.5%) | 0.00 | 556 |
| 2018-09-01 | $234,900 (10.4%) | $295,889 (7.7%) | 0.00 | 581 |
| 2018-10-01 | $237,107 (9.1%) | $287,974 (5.6%) | 0.00 | 598 |
| 2018-11-01 | $229,900 (9.8%) | $280,961 (5.7%) | 0.00 | 595 |
| 2018-12-01 | $229,450 (14.8%) | $277,692 (6.2%) | 0.00 | 573 |
| 2019-01-01 | $224,915 (15.1%) | $274,055 (7.1%) | 0.00 | 531 |
| 2019-02-01 | $229,950 (15.3%) | $279,194 (7.6%) | 0.00 | 500 |
| 2019-03-01 | $230,429 (15.2%) | $287,763 (8.3%) | 0.00 | 494 |
| 2019-04-01 | $233,000 (11.2%) | $294,259 (6.5%) | 0.00 | 499 |
| 2019-05-01 | $237,375 (14.2%) | $305,806 (10.1%) | 0.00 | 503 |
| 2019-06-01 | $230,000 (2.3%) | $298,419 (4.6%) | 0.00 | 529 |
| 2019-07-01 | $229,900 (0.9%) | $293,498 (1.7%) | 0.00 | 560 |
| 2019-08-01 | $230,994 (2.7%) | $297,189 (1.5%) | 0.00 | 559 |
| 2019-09-01 | $232,635 (-1.0%) | $301,102 (1.8%) | 0.00 | 557 |
| 2019-10-01 | $233,730 (-1.4%) | $303,711 (5.5%) | 0.00 | 555 |
| 2019-11-01 | $232,000 (0.9%) | $304,684 (8.4%) | 0.00 | 547 |
| 2019-12-01 | $232,450 (1.3%) | $308,438 (11.1%) | 0.00 | 543 |
| 2020-01-01 | $244,982 (8.9%) | $312,887 (14.2%) | 0.00 | 450 |
| 2020-02-01 | $249,900 (8.7%) | $318,409 (14.1%) | 0.00 | 427 |
| 2020-03-01 | $249,950 (8.5%) | $322,153 (12.0%) | 0.00 | 408 |
| 2020-04-01 | $254,900 (9.4%) | $320,996 (9.1%) | 0.00 | 400 |
| 2020-05-01 | $253,250 (6.7%) | $328,587 (7.5%) | 0.00 | 367 |
| 2020-06-01 | $269,900 (17.4%) | $346,727 (16.2%) | 0.00 | 332 |
| 2020-07-01 | $275,000 (19.6%) | $372,617 (27.0%) | 0.00 | 312 |
| 2020-08-01 | $275,000 (19.1%) | $376,641 (26.7%) | 0.00 | 299 |
| 2020-09-01 | $277,450 (19.3%) | $378,196 (25.6%) | 0.00 | 284 |
| 2020-10-01 | $284,950 (21.9%) | $387,349 (27.5%) | 0.00 | 272 |
| 2020-11-01 | $277,450 (19.6%) | $382,479 (25.5%) | 0.00 | 277 |
| 2020-12-01 | $271,150 (16.7%) | $391,302 (26.9%) | 0.00 | 247 |
| 2021-01-01 | $275,000 (12.3%) | $384,639 (22.9%) | 0.00 | 230 |
| 2021-02-01 | $292,175 (16.9%) | $394,331 (23.8%) | 0.00 | 191 |
| 2021-03-01 | $288,225 (15.3%) | $402,188 (24.8%) | 0.00 | 186 |
| 2021-04-01 | $305,675 (19.9%) | $420,707 (31.1%) | 0.00 | 177 |
| 2021-05-01 | $309,900 (22.4%) | $431,419 (31.3%) | 0.00 | 194 |
| 2021-06-01 | $305,000 (13.0%) | $420,526 (21.3%) | 0.00 | 223 |
| 2021-07-01 | $307,900 (12.0%) | $433,600 (16.4%) | 0.00 | 270 |
| 2021-08-01 | $336,675 (22.4%) | $437,807 (16.2%) | 0.00 | 328 |
| 2021-09-01 | $347,407 (25.2%) | $459,933 (21.6%) | 0.00 | 309 |
| 2021-10-01 | $349,000 (22.5%) | $484,909 (25.2%) | 0.00 | 302 |
| 2021-11-01 | $349,450 (26.0%) | $492,376 (28.7%) | 0.00 | 282 |
| 2021-12-01 | $354,475 (30.7%) | $489,419 (25.1%) | 0.00 | 260 |
| 2022-01-01 | $349,000 (26.9%) | $509,508 (32.5%) | 0.00 | 233 |
| 2022-02-01 | $342,500 (17.2%) | $501,594 (27.2%) | 0.00 | 213 |
| 2022-03-01 | $339,900 (17.9%) | $476,559 (18.5%) | 0.00 | 229 |
| 2022-04-01 | $349,965 (14.5%) | $475,405 (13.0%) | 0.00 | 251 |
| 2022-05-01 | $359,900 (16.1%) | $486,168 (12.7%) | 0.00 | 285 |
| 2022-06-01 | $367,425 (20.5%) | $484,200 (15.1%) | 0.00 | 339 |
| 2022-07-01 | $369,999 (20.2%) | $480,685 (10.9%) | 0.00 | 407 |
| 2022-08-01 | $372,475 (10.6%) | $483,099 (10.4%) | 0.00 | 422 |
| 2022-09-01 | $364,939 (5.1%) | $473,530 (3.0%) | 0.00 | 435 |
| 2022-10-01 | $374,900 (7.4%) | $477,495 (-1.5%) | 0.00 | 451 |
| 2022-11-01 | $363,432 (4.0%) | $477,418 (-3.0%) | 0.00 | 471 |
| 2022-12-01 | $359,900 (1.5%) | $471,088 (-3.8%) | 0.00 | 452 |
| 2023-01-01 | $359,900 (3.1%) | $470,389 (-7.7%) | 0.00 | 426 |
| 2023-02-01 | $369,650 (7.9%) | $479,691 (-4.4%) | 0.00 | 403 |
| 2023-03-01 | $366,950 (8.0%) | $474,353 (-0.5%) | 0.00 | 375 |
| 2023-04-01 | $375,000 (7.2%) | $477,817 (0.5%) | 0.00 | 355 |
| 2023-05-01 | $393,825 (9.4%) | $494,315 (1.7%) | 0.00 | 363 |
| 2023-06-01 | $404,907 (10.2%) | $502,592 (3.8%) | 0.00 | 362 |
| 2023-07-01 | $391,250 (5.7%) | $488,252 (1.6%) | 0.00 | 366 |
| 2023-08-01 | $399,675 (7.3%) | $507,896 (5.1%) | 0.00 | 401 |
| 2023-09-01 | $399,250 (9.4%) | $514,789 (8.7%) | 0.00 | 420 |
| 2023-10-01 | $397,225 (6.0%) | $499,280 (4.6%) | 0.00 | 441 |
| 2023-11-01 | $394,930 (8.7%) | $484,219 (1.4%) | 0.00 | 486 |
| 2023-12-01 | $389,915 (8.3%) | $475,310 (0.9%) | 0.00 | 482 |
| 2024-01-01 | $379,900 (5.6%) | $468,998 (-0.3%) | 0.00 | 447 |
| 2024-02-01 | $379,125 (2.6%) | $463,995 (-3.3%) | 0.00 | 430 |
| 2024-03-01 | $374,900 (2.2%) | $461,432 (-2.7%) | 0.00 | 445 |
| 2024-04-01 | $370,000 (-1.3%) | $460,019 (-3.7%) | 0.00 | 441 |
| 2024-05-01 | $374,750 (-4.8%) | $466,895 (-5.6%) | 0.00 | 449 |
| 2024-06-01 | $369,900 (-8.7%) | $460,322 (-8.4%) | 0.00 | 483 |
| 2024-07-01 | $374,957 (-4.2%) | $461,889 (-5.4%) | 0.00 | 548 |
| 2024-08-01 | $379,000 (-5.2%) | $459,909 (-9.5%) | 0.00 | 580 |
| 2024-09-01 | $374,450 (-6.2%) | $452,378 (-12.1%) | 0.00 | 633 |
| 2024-10-01 | $367,450 (-7.5%) | $454,989 (-8.9%) | 0.00 | 628 |
| 2024-11-01 | $365,000 (-7.6%) | $450,058 (-7.1%) | 0.00 | 643 |
| 2024-12-01 | $364,900 (-6.4%) | $440,994 (-7.2%) | 0.00 | 631 |
| 2025-01-01 | $367,125 (-3.4%) | $436,628 (-6.9%) | 0.00 | 583 |
| 2025-02-01 | $367,000 (-3.2%) | $436,064 (-6.0%) | 0.00 | 612 |
| 2025-03-01 | $370,000 (-1.3%) | $451,015 (-2.3%) | 0.00 | 623 |
| 2025-04-01 | $369,900 (0.0%) | $454,476 (-1.2%) | 0.00 | 649 |
| 2025-05-01 | $378,000 (0.9%) | $466,408 (-0.1%) | 0.00 | 691 |
Cookeville's median listing price for 2025-05-01 was $378,000, a difference of
$3,250
(0.9%) versus the prior year and
$8,100 versus the prior month.
Cookeville's median listing price comes in at 0% of the national average.
Cookeville's average listing price for 2025-05-01 was $466,408, a difference of $-487 (-0.1%) versus the prior year and $11,932 versus the prior month.
For the 2025-05-01 period, Cookeville had 691 MLS listings, a difference of 42 listings (6%) versus the prior month and 242 listings (54%) versus the prior year.
Cookeville's median listing price comes in at 0% of the national average.
Cookeville's average listing price for 2025-05-01 was $466,408, a difference of $-487 (-0.1%) versus the prior year and $11,932 versus the prior month.
For the 2025-05-01 period, Cookeville had 691 MLS listings, a difference of 42 listings (6%) versus the prior month and 242 listings (54%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Cookeville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,817 sqft |
| 2018-02-01 | 0 days | 1,832 sqft |
| 2018-03-01 | 0 days | 1,863 sqft |
| 2018-04-01 | 0 days | 1,915 sqft |
| 2018-05-01 | 0 days | 1,913 sqft |
| 2018-06-01 | 0 days | 1,940 sqft |
| 2018-07-01 | 0 days | 1,996 sqft |
| 2018-08-01 | 0 days | 2,010 sqft |
| 2018-09-01 | 0 days | 2,027 sqft |
| 2018-10-01 | 0 days | 2,003 sqft |
| 2018-11-01 | 0 days | 1,978 sqft |
| 2018-12-01 | 0 days | 1,989 sqft |
| 2019-01-01 | 0 days | 1,949 sqft |
| 2019-02-01 | 0 days | 1,920 sqft |
| 2019-03-01 | 0 days | 1,928 sqft |
| 2019-04-01 | 0 days | 1,953 sqft |
| 2019-05-01 | 0 days | 2,000 sqft |
| 2019-06-01 | 0 days | 1,936 sqft |
| 2019-07-01 | 0 days | 1,916 sqft |
| 2019-08-01 | 0 days | 1,928 sqft |
| 2019-09-01 | 0 days | 1,927 sqft |
| 2019-10-01 | 0 days | 1,926 sqft |
| 2019-11-01 | 0 days | 1,920 sqft |
| 2019-12-01 | 0 days | 1,920 sqft |
| 2020-01-01 | 0 days | 1,933 sqft |
| 2020-02-01 | 0 days | 1,992 sqft |
| 2020-03-01 | 0 days | 2,000 sqft |
| 2020-04-01 | 0 days | 1,958 sqft |
| 2020-05-01 | 0 days | 1,988 sqft |
| 2020-06-01 | 0 days | 2,052 sqft |
| 2020-07-01 | 0 days | 2,167 sqft |
| 2020-08-01 | 0 days | 2,060 sqft |
| 2020-09-01 | 0 days | 1,976 sqft |
| 2020-10-01 | 0 days | 1,981 sqft |
| 2020-11-01 | 0 days | 1,891 sqft |
| 2020-12-01 | 0 days | 1,908 sqft |
| 2021-01-01 | 0 days | 1,902 sqft |
| 2021-02-01 | 0 days | 1,999 sqft |
| 2021-03-01 | 0 days | 1,997 sqft |
| 2021-04-01 | 0 days | 2,009 sqft |
| 2021-05-01 | 0 days | 1,988 sqft |
| 2021-06-01 | 0 days | 1,932 sqft |
| 2021-07-01 | 0 days | 2,004 sqft |
| 2021-08-01 | 0 days | 2,028 sqft |
| 2021-09-01 | 0 days | 2,103 sqft |
| 2021-10-01 | 0 days | 2,198 sqft |
| 2021-11-01 | 0 days | 2,277 sqft |
| 2021-12-01 | 0 days | 2,243 sqft |
| 2022-01-01 | 0 days | 2,205 sqft |
| 2022-02-01 | 0 days | 2,104 sqft |
| 2022-03-01 | 0 days | 1,979 sqft |
| 2022-04-01 | 0 days | 1,996 sqft |
| 2022-05-01 | 0 days | 1,902 sqft |
| 2022-06-01 | 0 days | 1,930 sqft |
| 2022-07-01 | 0 days | 1,919 sqft |
| 2022-08-01 | 0 days | 1,934 sqft |
| 2022-09-01 | 0 days | 1,856 sqft |
| 2022-10-01 | 0 days | 1,885 sqft |
| 2022-11-01 | 0 days | 1,879 sqft |
| 2022-12-01 | 0 days | 1,857 sqft |
| 2023-01-01 | 0 days | 1,871 sqft |
| 2023-02-01 | 0 days | 1,853 sqft |
| 2023-03-01 | 0 days | 1,841 sqft |
| 2023-04-01 | 0 days | 1,862 sqft |
| 2023-05-01 | 0 days | 1,926 sqft |
| 2023-06-01 | 0 days | 2,029 sqft |
| 2023-07-01 | 0 days | 1,947 sqft |
| 2023-08-01 | 0 days | 1,938 sqft |
| 2023-09-01 | 0 days | 1,956 sqft |
| 2023-10-01 | 0 days | 1,974 sqft |
| 2023-11-01 | 0 days | 1,909 sqft |
| 2023-12-01 | 0 days | 1,909 sqft |
| 2024-01-01 | 0 days | 1,844 sqft |
| 2024-02-01 | 0 days | 1,800 sqft |
| 2024-03-01 | 0 days | 1,790 sqft |
| 2024-04-01 | 0 days | 1,799 sqft |
| 2024-05-01 | 0 days | 1,832 sqft |
| 2024-06-01 | 0 days | 1,799 sqft |
| 2024-07-01 | 0 days | 1,800 sqft |
| 2024-08-01 | 0 days | 1,791 sqft |
| 2024-09-01 | 0 days | 1,797 sqft |
| 2024-10-01 | 0 days | 1,770 sqft |
| 2024-11-01 | 0 days | 1,730 sqft |
| 2024-12-01 | 0 days | 1,702 sqft |
| 2025-01-01 | 0 days | 1,701 sqft |
| 2025-02-01 | 0 days | 1,716 sqft |
| 2025-03-01 | 0 days | 1,766 sqft |
| 2025-04-01 | 0 days | 1,777 sqft |
| 2025-05-01 | 0 days | 1,781 sqft |
Cookeville's median listing age (time on market) for 2025-05-01 was 0 days.
Cookeville's median square footage for active listings during the 2025-05-01 period was 1,781 sqft. One year prior, the average listing was 1,832 sqft.
Cookeville's median square footage for active listings during the 2025-05-01 period was 1,781 sqft. One year prior, the average listing was 1,832 sqft.
Cookeville, TN Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,076 | $299,420,000 | $278,271 |
| Refi | 276 | $62,150,000 | $225,181 |
| Cash Out Refi | 271 | $53,835,000 | $198,653 |
| Other | 217 | $24,415,000 | $112,512 |
| Home Improvement | 167 | $15,475,000 | $92,665 |
Cookeville's most frequently cited loan purpose was Home Purchase, with 1,076 originations. The 2nd most popular reason was Refi, with 276 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 731 | $195,035,000 | $266,806 |
| Over 8% | 465 | $54,125,000 | $116,398 |
| 7-8% | 370 | $92,800,000 | $250,811 |
| 5-6% | 312 | $87,040,000 | $278,974 |
| 4-5% | 43 | $13,305,000 | $309,419 |
| <2.5% | 4 | $20,000 | $5,000 |
| 3-4% | 1 | $345,000 | $345,000 |
| 2.5-3% | 1 | $795,000 | $795,000 |
During 2024, Cookeville's most frequently originated rate bucket was 6-7%, with 731 originations.
Loan Sizing (Cookeville, TN MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 855 | $241,085,000 | $281,971 |
| $100k-200k | 486 | $73,160,000 | $150,535 |
| $100,000 or less | 452 | $24,000,000 | $53,097 |
| $400k-600k | 168 | $79,380,000 | $472,500 |
| $600k-1000k | 39 | $27,455,000 | $703,974 |
| $Over $1MM | 7 | $10,215,000 | $1,459,286 |
Cookeville's loan sizing saw the bucket of loans from $200k-400k with 855 originations, totaling $241,085,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 710 | $216,270,000 | $304,606 |
| 60-80% | 394 | $113,130,000 | $287,132 |
| Under 20% | 284 | $14,160,000 | $49,859 |
| 20-40% | 239 | $29,375,000 | $122,908 |
| 40-60% | 234 | $48,030,000 | $205,256 |
| Over 100% | 32 | $11,760,000 | $367,500 |
Cookeville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 710 originations, totaling $216,270,000 in origination value.