Dyersburg Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Dyersburg averaged
7.3%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.23% and
one month ago for the week of 2025-05-15, the
average rate was 6.9%.
Dyersburg's average rate one year ago was 7.14%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.21%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Dyersburg 30 Year Fixed Rate | 2025-06-18 | 7.3% |
| Dyersburg 30 Year Fixed Rate Refi | 2025-06-18 | 7.21% |
| Dyersburg 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Dyersburg 15 Year Fixed Rate Refi | 2025-06-18 | 6.56% |
| Dyersburg 30 Year FHA | 2025-06-18 | 0.27% |
| Dyersburg 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Dyersburg 30 Year USDA | 2025-06-18 | 0% |
| Dyersburg 30 Year USDA Refi | 2025-06-18 | 0% |
| Dyersburg 30 Year VA | 2025-06-18 | 0.1% |
| Dyersburg 30 Year VA Refi | 2025-06-18 | -0.2% |
Dyersburg 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 Dyersburg, 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.).
Dyersburg Average Closing Costs & Other Stats
Dyersburg, TN's 30 lenders originated 698
loans during 2024. The total origination value was $107,580,000, with an average loan value of
$154,126.
Dyersburg's average closing costs are $4,475.
The top Dyersburg lender as defined by loan originations is Leaders Credit Union, with
21 loans originated. Their average total fees are
$2,829, which is $1,911
lower than the next largest lender,
Regions Bank.
The lowest fee Dyersburg lenders (with over 10 loans originated) are
Leaders Credit Union ($2,829), Regions Bank ($4,740), QUICKEN LOANS, LLC ($5,027), .
The lowest rate Dyersburg lenders (with over 10 loans originated) are
Regions Bank (6.96%), QUICKEN LOANS, LLC (7.04%), Leaders Credit Union (7.36%), .
Dyersburg, 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 |
|---|---|---|---|---|
| Leaders Credit Union | $14,200,000 | $19,515,000 | 37.4% | 18.1% |
| First Citizens National Bank | $13,280,000 | $17,030,000 | 28.2% | 15.8% |
| QUICKEN LOANS, LLC | $5,405,000 | $7,075,000 | 30.9% | 6.6% |
| Regions Bank | $7,135,000 | $6,085,000 | -14.7% | 5.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $730,000 | $3,655,000 | 400.7% | 3.4% |
| Mortgage Research Center, LLC | $2,315,000 | $3,490,000 | 50.8% | 3.2% |
| Simmons Bank | $4,305,000 | $3,000,000 | -30.3% | 2.8% |
| BancorpSouth | $220,000 | $2,355,000 | 970.5% | 2.2% |
| READYCAP COMMERCIAL, LLC | $1,695,000 | n/a | 1.6% | |
| UNITED WHOLESALE MORTGAGE, LLC | $1,255,000 | $1,650,000 | 31.5% | 1.5% |
| FREEDOM MORTGAGE CORPORATION | $1,080,000 | $1,560,000 | 44.4% | 1.5% |
| Farm Credit Mid-America, ACA | $710,000 | $1,200,000 | 69.0% | 1.1% |
| MID AMERICA MORTGAGE, INC. | $910,000 | $945,000 | 3.8% | 0.9% |
| MORTGAGE INVESTORS GROUP, INC. | $875,000 | $945,000 | 8.0% | 0.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,165,000 | $940,000 | -19.3% | 0.9% |
| FirstBank | $380,000 | $930,000 | 144.7% | 0.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $330,000 | $895,000 | 171.2% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $235,000 | $820,000 | 248.9% | 0.8% |
| BROKER SOLUTIONS, INC. | $310,000 | $745,000 | 140.3% | 0.7% |
| FIRST SOUTH FINANCIAL | $300,000 | $670,000 | 123.3% | 0.6% |
| Commercial Bank & Trust Co. | $55,000 | $645,000 | 1,072.7% | 0.6% |
| RELIANCE FIRST CAPITAL, LLC | $620,000 | n/a | 0.6% | |
| JPMorgan Chase Bank | $615,000 | n/a | 0.6% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $575,000 | n/a | 0.5% | |
| AMERISAVE MORTGAGE CORPORATION | $540,000 | n/a | 0.5% | |
| Plains Commerce Bank | $225,000 | $490,000 | 117.8% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $610,000 | $445,000 | -27.0% | 0.4% |
| CHURCHILL MORTGAGE CORPORATION | $405,000 | n/a | 0.4% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $225,000 | $395,000 | 75.6% | 0.4% |
| USAA Federal Savings Bank | $550,000 | $395,000 | -28.2% | 0.4% |
| PLANET HOME LENDING, LLC | $385,000 | n/a | 0.4% | |
| The First National Bank of Middle Tennessee | $380,000 | n/a | 0.4% | |
| ROSS MORTGAGE CORPORATION | $365,000 | n/a | 0.3% | |
| 21ST MORTGAGE CORPORATION | $295,000 | $360,000 | 22.0% | 0.3% |
| NEWREZ LLC | $185,000 | $350,000 | 89.2% | 0.3% |
| TOWNE MORTGAGE COMPANY | $350,000 | n/a | 0.3% | |
| First State Community Bank | $345,000 | n/a | 0.3% | |
| The Bank of Missouri | $345,000 | n/a | 0.3% | |
| NEW DAY FINANCIAL, LLC | $355,000 | $335,000 | -5.6% | 0.3% |
| AMWEST FUNDING CORP. | $330,000 | n/a | 0.3% | |
| McKenzie Banking Company | $280,000 | $315,000 | 12.5% | 0.3% |
| COMPASS MORTGAGE, INC. | $305,000 | n/a | 0.3% | |
| Carrington Mortgage Services, LLC | $530,000 | $275,000 | -48.1% | 0.3% |
| Barrington Bank & Trust Company, N.A. | $135,000 | $265,000 | 96.3% | 0.2% |
| Figure Lending LLC | $115,000 | $265,000 | 130.4% | 0.2% |
| CNB Bank | $255,000 | n/a | 0.2% | |
| United Community Bank | $255,000 | n/a | 0.2% | |
| FLAT BRANCH MORTGAGE, INC. | $245,000 | n/a | 0.2% | |
| ROYAL UNITED MORTGAGE LLC | $150,000 | $245,000 | 63.3% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $185,000 | $240,000 | 29.7% | 0.2% |
| AmeriHome Mortgage Company, LLC | $235,000 | n/a | 0.2% | |
| Bank of England | $970,000 | $235,000 | -75.8% | 0.2% |
| PENNYMAC LOAN SERVICES, LLC | $645,000 | $225,000 | -65.1% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $205,000 | $215,000 | 4.9% | 0.2% |
| Legends Bank | $215,000 | n/a | 0.2% | |
| STOCKTON MORTGAGE CORPORATION | $800,000 | $215,000 | -73.1% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $205,000 | n/a | 0.2% | |
| Discover Bank | $280,000 | $200,000 | -28.6% | 0.2% |
| CEDARSTONE BANK | $195,000 | n/a | 0.2% | |
| LOANDEPOT.COM, LLC | $85,000 | $195,000 | 129.4% | 0.2% |
| Patriot Bank | $1,280,000 | $185,000 | -85.5% | 0.2% |
| SOUTHWEST STAGE FUNDING, LLC | $185,000 | n/a | 0.2% | |
| Ixonia Bank | $175,000 | n/a | 0.2% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $295,000 | $165,000 | -44.1% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $165,000 | n/a | 0.2% | |
| FIRST COMMUNITY MORTGAGE, INC. | $875,000 | $165,000 | -81.1% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $160,000 | n/a | 0.1% | |
| LOANPAL, LLC | $160,000 | n/a | 0.1% | |
| DELMAR FINANCIAL COMPANY | $145,000 | n/a | 0.1% | |
| SIRVA MORTGAGE, INC. | $145,000 | n/a | 0.1% | |
| STATE EMPLOYEES' | $85,000 | $145,000 | 70.6% | 0.1% |
| CARDINAL FINANCIAL | $245,000 | $135,000 | -44.9% | 0.1% |
| CMG MORTGAGE, INC. | $135,000 | n/a | 0.1% | |
| COMMUNITY MORTGAGE CORPORATION | $225,000 | $135,000 | -40.0% | 0.1% |
| Centennial Bank | $1,130,000 | $130,000 | -88.5% | 0.1% |
| Performance Financial, Inc. | $125,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $115,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $115,000 | n/a | 0.1% | |
| SOUTHWEST FUNDING, LP | $115,000 | n/a | 0.1% | |
| U.S. Bank | $330,000 | $115,000 | -65.2% | 0.1% |
| First Horizon Bank | $290,000 | $105,000 | -63.8% | 0.1% |
| The Loan Store, Inc. | $105,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $2,450,000 | $100,000 | -95.9% | 0.1% |
| Apex Bank | $75,000 | n/a | 0.1% | |
| Orion Federal Credit Union | $75,000 | n/a | 0.1% | |
| SUCCESS Federal Credit Union | $75,000 | n/a | 0.1% | |
| Bank of Ripley | $65,000 | n/a | 0.1% | |
| BankTennessee | $75,000 | $65,000 | -13.3% | 0.1% |
| Fifth Third Bank | $65,000 | n/a | 0.1% | |
| Northwest Federal Credit Union | $65,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $65,000 | n/a | 0.1% | |
| U. T. | $35,000 | $65,000 | 85.7% | 0.1% |
| SPRING EQ, LLC | $55,000 | n/a | 0.1% | |
| S1L, Inc. | $25,000 | n/a | 0.0% |
Dyersburg's top lender by overall market share is Leaders Credit Union, with 18.1% market share. In second place, with 15.8%, is First Citizens National Bank, having originated $17,030,000 in loans. In third place, with 6.6%, is QUICKEN LOANS, LLC, having originated $7,075,000 in loans. In fourth place, with 5.7%, is Regions Bank, having originated $6,085,000 in loans. In fifth place, with 3.4%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $3,655,000 in loans.
Dyersburg, TN Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 398 | $69,620,000 | $174,925 |
| Refi | 91 | $13,645,000 | $149,945 |
| Cash Out Refi | 74 | $15,100,000 | $204,054 |
| Other | 68 | $4,410,000 | $64,853 |
| Home Improvement | 67 | $4,805,000 | $71,716 |
Dyersburg's most frequently cited loan purpose was Home Purchase, with 398 originations. The 2nd most popular reason was Refi, with 91 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 243 | $44,515,000 | $183,189 |
| 7-8% | 129 | $19,155,000 | $148,488 |
| Over 8% | 128 | $13,170,000 | $102,891 |
| 5-6% | 52 | $12,530,000 | $240,962 |
| <2.5% | 39 | $195,000 | $5,000 |
| 3-4% | 6 | $380,000 | $63,333 |
| 4-5% | 4 | $490,000 | $122,500 |
| 2.5-3% | 1 | $295,000 | $295,000 |
During 2024, Dyersburg's most frequently originated rate bucket was 6-7%, with 243 originations.
Loan Sizing (Dyersburg, TN MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 267 | $12,435,000 | $46,573 |
| $100k-200k | 251 | $37,275,000 | $148,506 |
| $200k-400k | 156 | $41,200,000 | $264,103 |
| $400k-600k | 15 | $6,815,000 | $454,333 |
| $600k-1000k | 6 | $4,060,000 | $676,667 |
| $Over $1MM | 3 | $5,795,000 | $1,931,667 |
Dyersburg's loan sizing saw the bucket of loans from $100,000 or less with 267 originations, totaling $12,435,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 252 | $51,150,000 | $202,976 |
| 60-80% | 115 | $23,175,000 | $201,522 |
| Under 20% | 107 | $2,425,000 | $22,664 |
| 20-40% | 76 | $5,630,000 | $74,079 |
| 40-60% | 54 | $5,900,000 | $109,259 |
| Over 100% | 4 | $850,000 | $212,500 |
Dyersburg's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 252 originations, totaling $51,150,000 in origination value.