Lawrenceburg Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Lawrenceburg averaged
6.87%
for the week of 2025-06-26, compared to the national average of
6.77% for the same period.
The average rate for the prior week (2025-06-18) was
7.11% and
one month ago for the week of 2025-05-22, the
average rate was 7.16%.
Lawrenceburg's average rate one year ago was 6.77%.
For refis of the same type during the week of 2025-06-26, the average rate
was 7.37%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-26 | 6.77% |
| Lawrenceburg 30 Year Fixed Rate | 2025-06-26 | 6.87% |
| Lawrenceburg 30 Year Fixed Rate Refi | 2025-06-26 | 7.37% |
| Lawrenceburg 15 Year Fixed Rate | 2025-06-26 | 5.89% |
| Lawrenceburg 15 Year Fixed Rate Refi | 2025-06-26 | 6.29% |
| Lawrenceburg 30 Year FHA | 2025-06-26 | 6.3% |
| Lawrenceburg 30 Year FHA Refi | 2025-06-26 | 6.29% |
| Lawrenceburg 30 Year USDA | 2025-06-26 | 6.46% |
| Lawrenceburg 30 Year USDA Refi | 2025-06-26 | 6.36% |
| Lawrenceburg 30 Year VA | 2025-06-26 | 6.54% |
| Lawrenceburg 30 Year VA Refi | 2025-06-26 | 6.14% |
Lawrenceburg 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 Lawrenceburg, 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.).
Lawrenceburg Average Closing Costs & Other Stats
Lawrenceburg, TN's 58 lenders originated 836
loans during 2024. The total origination value was $170,200,000, with an average loan value of
$203,589.
Lawrenceburg's average closing costs are $5,615.
The top Lawrenceburg lender as defined by loan originations is QUICKEN LOANS, LLC, with
20 loans originated. Their average total fees are
$5,344, which is $20
higher than the next largest lender,
Renasant Bank.
The lowest fee Lawrenceburg lenders (with over 10 loans originated) are
FIRST COMMUNITY MORTGAGE, INC. ($5,061), Renasant Bank ($5,324), QUICKEN LOANS, LLC ($5,344), Farm Credit Mid-America, ACA ($7,012) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($7,502).
The lowest rate Lawrenceburg lenders (with over 10 loans originated) are
Renasant Bank (6.07%), FIRST COMMUNITY MORTGAGE, INC. (6.17%), QUICKEN LOANS, LLC (6.69%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.76%) and Farm Credit Mid-America, ACA (7.16%).
Lawrenceburg, 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 |
|---|---|---|---|---|
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $15,890,000 | $22,640,000 | 42.5% | 13.3% |
| QUICKEN LOANS, LLC | $10,040,000 | $11,910,000 | 18.6% | 7.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $6,225,000 | $8,355,000 | 34.2% | 4.9% |
| Heritage Bank & Trust | $6,825,000 | $7,615,000 | 11.6% | 4.5% |
| First Farmers and Merchants Bank | $10,780,000 | $6,905,000 | -35.9% | 4.1% |
| Mortgage Research Center, LLC | $4,610,000 | $6,095,000 | 32.2% | 3.6% |
| Renasant Bank | $1,550,000 | $6,090,000 | 292.9% | 3.6% |
| FIRST COMMUNITY MORTGAGE, INC. | $2,840,000 | $5,950,000 | 109.5% | 3.5% |
| FirstBank | $2,460,000 | $4,225,000 | 71.7% | 2.5% |
| Farm Credit Mid-America, ACA | $2,875,000 | $4,040,000 | 40.5% | 2.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,595,000 | $3,010,000 | 88.7% | 1.8% |
| BROKER SOLUTIONS, INC. | $400,000 | $2,755,000 | 588.8% | 1.6% |
| Old National Bank | $2,650,000 | n/a | 1.6% | |
| MORTGAGE INVESTORS GROUP, INC. | $1,995,000 | $2,415,000 | 21.1% | 1.4% |
| KELLEY MORTGAGE, LLC | $1,540,000 | $2,115,000 | 37.3% | 1.2% |
| VILLAGE CAPITAL MORTGAGE | $2,095,000 | n/a | 1.2% | |
| CMG MORTGAGE, INC. | $2,945,000 | $2,070,000 | -29.7% | 1.2% |
| First Dakota National Bank | $8,390,000 | $2,005,000 | -76.1% | 1.2% |
| Fortera Federal Credit Union | $1,565,000 | $1,655,000 | 5.8% | 1.0% |
| Truist | $1,690,000 | $1,655,000 | -2.1% | 1.0% |
| River Bank & Trust | $1,595,000 | n/a | 0.9% | |
| Mr. Cooper ( Nationstar Mortgage ) | $285,000 | $1,550,000 | 443.9% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $775,000 | $1,530,000 | 97.4% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $1,280,000 | $1,515,000 | 18.4% | 0.9% |
| ASCEND FEDERAL CREDIT UNION | $1,585,000 | $1,410,000 | -11.0% | 0.8% |
| DELMAR FINANCIAL COMPANY | $1,315,000 | n/a | 0.8% | |
| U.S. Bank | $255,000 | $1,305,000 | 411.8% | 0.8% |
| 21ST MORTGAGE CORPORATION | $1,795,000 | $1,285,000 | -28.4% | 0.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,065,000 | $1,270,000 | 19.2% | 0.7% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $440,000 | $1,255,000 | 185.2% | 0.7% |
| LOANDEPOT.COM, LLC | $685,000 | $1,250,000 | 82.5% | 0.7% |
| SeaTrust Mortgage Company | $1,120,000 | $1,235,000 | 10.3% | 0.7% |
| First Horizon Bank | $980,000 | $1,215,000 | 24.0% | 0.7% |
| First Volunteer Bank | $1,495,000 | $1,115,000 | -25.4% | 0.7% |
| NEWREZ LLC | $425,000 | $1,110,000 | 161.2% | 0.7% |
| UNION HOME MORTGAGE CORP. | $305,000 | $1,080,000 | 254.1% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $1,235,000 | $1,025,000 | -17.0% | 0.6% |
| CHURCHILL MORTGAGE CORPORATION | $300,000 | $960,000 | 220.0% | 0.6% |
| United Community Bank | $220,000 | $920,000 | 318.2% | 0.5% |
| Bank Independent | $135,000 | $915,000 | 577.8% | 0.5% |
| Listerhill Credit Union | $770,000 | $820,000 | 6.5% | 0.5% |
| First National Bank of Pulaski | $1,495,000 | $805,000 | -46.2% | 0.5% |
| REDSTONE Federal Credit Union | $1,685,000 | $780,000 | -53.7% | 0.5% |
| STOCKTON MORTGAGE CORPORATION | $195,000 | $775,000 | 297.4% | 0.5% |
| MOVEMENT MORTGAGE, LLC | $755,000 | n/a | 0.4% | |
| USAA Federal Savings Bank | $630,000 | $755,000 | 19.8% | 0.4% |
| EVANSVILLE TEACHERS | $345,000 | $710,000 | 105.8% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $395,000 | $680,000 | 72.2% | 0.4% |
| Fifth Third Bank | $265,000 | $650,000 | 145.3% | 0.4% |
| Wolfe Financial, Inc | $645,000 | n/a | 0.4% | |
| RELIANCE FIRST CAPITAL, LLC | $585,000 | $640,000 | 9.4% | 0.4% |
| SWBC MORTGAGE CORPORATION | $635,000 | n/a | 0.4% | |
| Bell Bank | $380,000 | $605,000 | 59.2% | 0.4% |
| A&D Mortgage LLC | $600,000 | n/a | 0.4% | |
| Gateway First Bank | $185,000 | $590,000 | 218.9% | 0.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | $285,000 | $565,000 | 98.2% | 0.3% |
| 1ST SIGNATURE LENDING, LLC | $550,000 | n/a | 0.3% | |
| Wells Fargo Bank | $695,000 | $510,000 | -26.6% | 0.3% |
| CARDINAL FINANCIAL | $345,000 | $500,000 | 44.9% | 0.3% |
| Legacy Home Loans, LLC | $490,000 | n/a | 0.3% | |
| Regions Bank | $1,200,000 | $490,000 | -59.2% | 0.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $400,000 | $445,000 | 11.3% | 0.3% |
| SOUTHWEST STAGE FUNDING, LLC | $420,000 | $445,000 | 6.0% | 0.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $145,000 | $440,000 | 203.4% | 0.3% |
| LADERA LENDING, INC. | $430,000 | n/a | 0.3% | |
| CSL Financial, LLC | $280,000 | $425,000 | 51.8% | 0.2% |
| CANOPY MORTGAGE, LLC | $420,000 | $415,000 | -1.2% | 0.2% |
| HomePromise Corporation | $415,000 | n/a | 0.2% | |
| EVERETT FINANCIAL, INC. | $405,000 | n/a | 0.2% | |
| The Loan Store, Inc. | $405,000 | n/a | 0.2% | |
| CORNERSTONE HOME LENDING, INC. | $395,000 | n/a | 0.2% | |
| GUARANTEED RATE, INC. | $290,000 | $395,000 | 36.2% | 0.2% |
| Consumer First Mortgage, Inc. | $390,000 | n/a | 0.2% | |
| PHH Mortgage Corporation | $380,000 | n/a | 0.2% | |
| GUILD MORTGAGE COMPANY | $375,000 | n/a | 0.2% | |
| Assurance Financial Group, L.L.C. | $365,000 | n/a | 0.2% | |
| MICHIGAN MUTUAL, INC. | $355,000 | n/a | 0.2% | |
| NEW DAY FINANCIAL, LLC | $355,000 | n/a | 0.2% | |
| DAS Acquisition Company, LLC | $345,000 | n/a | 0.2% | |
| Legends Bank | $345,000 | n/a | 0.2% | |
| ROSS MORTGAGE CORPORATION | $480,000 | $335,000 | -30.2% | 0.2% |
| GSF Mortgage Corporation | $325,000 | n/a | 0.2% | |
| CapStar Bank | $4,725,000 | $320,000 | -93.2% | 0.2% |
| US MORTGAGE CORPORATION | $315,000 | n/a | 0.2% | |
| Third Federal Savings and Loan Association of Cleveland | $460,000 | $310,000 | -32.6% | 0.2% |
| BancorpSouth | $305,000 | $305,000 | 0.0% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $710,000 | $295,000 | -58.5% | 0.2% |
| Citizens Bank | $170,000 | $295,000 | 73.5% | 0.2% |
| JPMorgan Chase Bank | $755,000 | $295,000 | -60.9% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $295,000 | n/a | 0.2% | |
| ALL IN | $285,000 | n/a | 0.2% | |
| GARDNER FINANCIAL SERVICES, LTD. | $285,000 | n/a | 0.2% | |
| Sandy Spring Bank | $285,000 | n/a | 0.2% | |
| T2 FINANCIAL LLC | $275,000 | n/a | 0.2% | |
| AMERICAN FINANCING CORPORATION | $195,000 | $265,000 | 35.9% | 0.2% |
| TENNESSEE TRUST MORTGAGE, INC | $255,000 | n/a | 0.1% | |
| The Federal Savings Bank | $650,000 | $255,000 | -60.8% | 0.1% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $185,000 | $235,000 | 27.0% | 0.1% |
| AmeriHome Mortgage Company, LLC | $1,310,000 | $225,000 | -82.8% | 0.1% |
| AVADIAN | $225,000 | n/a | 0.1% | |
| CALCON MUTUAL MORTGAGE LLC | $225,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $225,000 | n/a | 0.1% | |
| BECKAM FUNDING CORP. | $205,000 | n/a | 0.1% | |
| The First National Bank of Middle Tennessee | $205,000 | $205,000 | 0.0% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $195,000 | n/a | 0.1% | |
| CORNERSTONE FINANCIAL CREDIT UNION | $185,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $185,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $185,000 | n/a | 0.1% | |
| Leaders Credit Union | $185,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $185,000 | n/a | 0.1% | |
| NFM, INC. | $695,000 | $185,000 | -73.4% | 0.1% |
| First Metro Bank | $175,000 | n/a | 0.1% | |
| JMAC LENDING, INC. | $165,000 | n/a | 0.1% | |
| Wilson Bank And Trust | $250,000 | $165,000 | -34.0% | 0.1% |
| Alcova Mortgage LLC | $155,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $155,000 | n/a | 0.1% | |
| Figure Lending LLC | $125,000 | $145,000 | 16.0% | 0.1% |
| TriStar Bank | $145,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $660,000 | $145,000 | -78.0% | 0.1% |
| Bank of America | $430,000 | $135,000 | -68.6% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $2,825,000 | $135,000 | -95.2% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $125,000 | n/a | 0.1% | |
| Coastal Community Bank | $15,000 | $120,000 | 700.0% | 0.1% |
| FAIRWINDS CREDIT UNION | $115,000 | n/a | 0.1% | |
| RUOFF MORTGAGE COMPANY, INC. | $115,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $1,565,000 | $110,000 | -93.0% | 0.1% |
| First Southern Bank | $95,000 | n/a | 0.1% | |
| Discover Bank | $400,000 | $80,000 | -80.0% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $75,000 | n/a | 0.0% | |
| Baxter Credit Union | $65,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $210,000 | $65,000 | -69.0% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $295,000 | $55,000 | -81.4% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $45,000 | n/a | 0.0% | |
| Simmons Bank | $215,000 | $45,000 | -79.1% | 0.0% |
Lawrenceburg's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 13.3% market share. In second place, with 7.0%, is QUICKEN LOANS, LLC, having originated $11,910,000 in loans. In third place, with 4.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $8,355,000 in loans. In fourth place, with 4.5%, is Heritage Bank & Trust, having originated $7,615,000 in loans. In fifth place, with 4.1%, is First Farmers and Merchants Bank, having originated $6,905,000 in loans.
Lawrenceburg, TN Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 451 | $105,435,000 | $233,780 |
| Cash Out Refi | 142 | $27,300,000 | $192,254 |
| Refi | 128 | $28,190,000 | $220,234 |
| Home Improvement | 68 | $5,010,000 | $73,676 |
| Other | 47 | $4,265,000 | $90,745 |
Lawrenceburg's most frequently cited loan purpose was Home Purchase, with 451 originations. The 2nd most popular reason was Cash Out Refi, with 142 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 361 | $83,005,000 | $229,931 |
| Over 8% | 146 | $14,200,000 | $97,260 |
| 5-6% | 119 | $29,965,000 | $251,807 |
| 7-8% | 118 | $25,670,000 | $217,542 |
| 3-4% | 5 | $585,000 | $117,000 |
| 4-5% | 4 | $1,250,000 | $312,500 |
| <2.5% | 2 | $10,000 | $5,000 |
During 2024, Lawrenceburg's most frequently originated rate bucket was 6-7%, with 361 originations.
Loan Sizing (Lawrenceburg, TN MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 355 | $95,635,000 | $269,394 |
| $100k-200k | 225 | $34,465,000 | $153,178 |
| $100,000 or less | 204 | $10,510,000 | $51,520 |
| $400k-600k | 38 | $17,730,000 | $466,579 |
| $600k-1000k | 12 | $8,260,000 | $688,333 |
| $Over $1MM | 2 | $3,600,000 | $1,800,000 |
Lawrenceburg's loan sizing saw the bucket of loans from $200k-400k with 355 originations, totaling $95,635,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 316 | $82,240,000 | $260,253 |
| 60-80% | 146 | $37,450,000 | $256,507 |
| Under 20% | 112 | $4,170,000 | $37,232 |
| 40-60% | 83 | $17,475,000 | $210,542 |
| 20-40% | 82 | $8,040,000 | $98,049 |
| Over 100% | 11 | $3,135,000 | $285,000 |
Lawrenceburg's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 316 originations, totaling $82,240,000 in origination value.