Shelbyville Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Shelbyville averaged 6.28% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 5.85% and one month ago for the week of 2022-05-19, the average rate was 5.52%.

Shelbyville's average rate one year ago was 2.95%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.89%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Shelbyville 30 Year Fixed Rate 2022-06-23 6.28%
Shelbyville 30 Year Fixed Rate Refi 2022-06-23 5.89%
Shelbyville 15 Year Fixed Rate 2022-06-23 5.97%
Shelbyville 15 Year Fixed Rate Refi 2022-06-23 4.97%
Shelbyville 30 Year FHA 2022-06-23 0.19%
Shelbyville 30 Year FHA Refi 2022-06-23 0.07%
Shelbyville 30 Year USDA 2022-06-23 0.1%
Shelbyville 30 Year USDA Refi 2022-06-23 -0.25%
Shelbyville 30 Year VA 2022-06-23 0.26%
Shelbyville 30 Year VA Refi 2022-06-23 -0.03%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Shelbyville, TN.

Shelbyville Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Shelbyville, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
FIRST COMMUNITY MORTGAGE, INC. 150 3.12% $3,737
QUICKEN LOANS, LLC 127 3.09% $4,596
The First National Bank of Middle Tennessee 46 3.31% $2,763
ASCEND FEDERAL CREDIT UNION 39 3.32% $2,662
FirstBank 36 3.16% $3,542
CMG MORTGAGE, INC. 26 3.14% $5,243
HERITAGE SOUTH COMMUNITY CU 24 3.14% $2,680
LOANDEPOT.COM, LLC 21 3.02% $4,406
Pinnacle Bank 19 3.11% $3,499
A Mortgage Boutique, LLC 18 2.63% $3,348
Farm Credit Mid-America, ACA 18 3.53% $9,433
UNITED WHOLESALE MORTGAGE, LLC 18 3.11% $3,907
Magnolia Bank 17 3.09% $2,996
PENNYMAC LOAN SERVICES, LLC 16 3.20% $6,436
Wells Fargo Bank 15 3.01% $3,752
First Horizon Bank 13 3.17% $3,898
Regions Bank 13 3.13% $3,645
Legacy Home Loans, LLC 10 3.10% $3,648
REDSTONE Federal Credit Union 10 4.19% $3,277
U.S. Bank 10 3.02% $2,660
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 10 3.30% $4,870
Mr. Cooper ( Nationstar Mortgage ) 10 3.45% $5,021
SWBC MORTGAGE CORPORATION 10 3.01% $2,627
F&M Bank 10 2.83% $2,688
Wilson Bank And Trust 9 3.04% $3,226
CHURCHILL MORTGAGE CORPORATION 9 3.14% $4,234
BROKER SOLUTIONS, INC. 8 3.26% $3,751
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 7 3.32% $2,906
DAS Acquisition Company, LLC 7 3.21% $3,045
MOVEMENT MORTGAGE, LLC 7 3.11% $4,067
NEWREZ LLC 6 3.44% $4,625
CALIBER HOME LOANS, INC. 6 3.08% $3,385
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 3.31% $3,152
PRIMARY RESIDENTIAL MORTGAGE, INC. 5 3.45% $4,477
CapStar Bank 5 2.87% $2,824
ACOPIA, LLC 5 3.42% $6,025
Legends Bank 5 2.87% $2,961
JPMorgan Chase Bank 5 3.20% $2,615
CROSSCOUNTRY MORTGAGE, LLC 5 3.42% $5,555
JLB CORPORATION 5 3.25% $4,045
GUARANTEED RATE, INC. 5 3.13% $3,930
FREEDOM MORTGAGE CORPORATION 5 3.55% $3,559
SUMMIT FUNDING, INC. 4 2.81% $4,272
Renasant Bank 4 3.06% $4,170
BETTER MORTGAGE CORPORATION 4 3.16% $1,283
Flagstar Bank, FSB 4 3.26% $3,026
HOME POINT FINANCIAL CORPORATION 4 3.38% $3,528
AMERISAVE MORTGAGE CORPORATION 4 2.75% $4,957
Citizens Bank 3 3.17% $4,005
Colten Mortgage, LLC 3 3.54% $3,611
Hometown Lenders, Inc. 3 3.62% $4,519
InterContinental Capital Group, Inc 3 3.04% $4,380
ISERVE RESIDENTIAL LENDING, LLC 3 2.88% $2,992
T2 FINANCIAL LLC 3 3.37% $3,911
THE MORTGAGE FIRM, INC. 3 3.58% $4,330
UNION HOME MORTGAGE CORP. 3 3.08% $4,410
UNITED MORTGAGE CORP. 3 3.25% $4,441
SmartBank 2 3.56% $4,019
SOUTHWEST FUNDING, LP 2 3.31% $4,031
MORTGAGE INVESTORS GROUP, INC. 2 2.81% $4,215
SUCCESS MORTGAGE PARTNERS, INC. 2 3.50% $4,912
Bank of England 2 3.19% $4,256
INTERLINC MORTGAGE SERVICES, LLC 2 3.31% $2,775
Ameris Bank 2 2.68% $3,685
Bank of America 2 2.88% $2,994
AMERICAN PACIFIC MORTGAGE CORPORATION 2 3.19% $4,380
Fifth Third Bank 2 3.18% $4,749
CRESCENT MORTGAGE COMPANY 2 2.94% $4,337
CALCON MUTUAL MORTGAGE LLC 2 3.13% $7,059
Truist Bank 2 2.70% $3,145
First Guaranty Mortgage Corporation 2 2.69% $3,599
KELLER MORTGAGE, LLC 2 3.00% $2,301
ROYAL UNITED MORTGAGE LLC 2 3.75% $6,627
LADERA LENDING, INC. 2 2.88% $3,005
GUARANTY HOME MORTGAGE CORPORATION 2 3.19% $2,442
GUILD MORTGAGE COMPANY 2 2.81% $4,330
Bell Bank 2 3.31% $3,007
PROVIDENT FUNDING ASSOCIATES, L.P. 1 3.00% $2,175
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.63% $4,425
ARC HOME LLC 1 3.38% $1,161
Reliant Bank 1 3.38% $3,418
ANGEL OAK HOME LOANS LLC 1 3.13% $4,294
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 3.25% $2,687
Santander Bank, N.A. 1 2.99% $4,310
SeaTrust Mortgage Company 1 3.13% $4,911
STOCKTON MORTGAGE CORPORATION 1 3.13% $2,248
AmRes Corporation 1 2.75% $4,483
SUN WEST MORTGAGE COMPANY, INC. 1 2.99% $2,256
American Mortgage & Equity Consultants, Inc. 1 3.50% $4,102
The Federal Savings Bank 1 3.25% $1,547
AmeriHome Mortgage Company, LLC 1 4.75% $2,755
VAN DYK MORTGAGE CORPORATION 1 3.25% $3,465
TJC Mortgage, Inc. 1 3.50% $3,378
Gateway First Bank 1 3.38% $3,457
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 3.25% $4,780
First Financial Bank 1 2.75% $2,153
First Federal Bank 1 3.25% $7,350
First Federal Bank 1 2.88% $6,416
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.38% $2,952
HOMESIDE FINANCIAL, LLC 1 3.13% $3,600
HOMESTAR FINANCIAL CORPORATION 1 3.25% $2,955
AMERICAN FINANCING CORPORATION 1 2.88% $3,288
AMERICAN FINANCIAL NETWORK, INC. 1 2.88% $7,252
EMM LOANS LLC 1 2.99% $9,476
LAND HOME FINANCIAL SERVICES, INC. 1 3.38% $5,608
Countybank 1 2.88% $3,223
Consumer First Mortgage, Inc. 1 2.75% $5,376
Citizens Tri-County Bank 1 3.13% $10,810
ACADEMY MORTGAGE CORPORATION 1 3.00% $2,725
Manufacturers and Traders Trust Company 1 2.88% $2,775
Citibank 1 2.63% $8,753
Carrington Mortgage Services, LLC 1 3.25% $2,731
MUTUAL OF OMAHA MORTGAGE, INC. 1 2.25% $6,415
NBKC BANK 1 3.25% $2,557
Northpointe Bank 1 3.13% $2,495
Paramount Bank 1 3.63% $3,305
Barrington Bank & Trust Company, N.A. 1 3.13% $3,625

Shelbyville, TN's 117 lenders originated 2,180 loans during 2021. The total origination value was $479,640,000, with an average loan value of $220,018.

The top Shelbyville lender as defined by loan originations is FIRST COMMUNITY MORTGAGE, INC., with 150 loans originated. Their average total fees are $3,737, which is $859 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Shelbyville lenders (with over 10 loans originated) are SWBC MORTGAGE CORPORATION ($2,627), U.S. Bank ($2,660), ASCEND FEDERAL CREDIT UNION ($2,662), HERITAGE SOUTH COMMUNITY CU ($2,680) and F&M Bank ($2,688).

The lowest rate Shelbyville lenders (with over 10 loans originated) are A Mortgage Boutique, LLC (2.63%), F&M Bank (2.83%), Wells Fargo Bank (3.01%), SWBC MORTGAGE CORPORATION (3.01%) and LOANDEPOT.COM, LLC (3.02%).

Shelbyville, TN Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
FIRST COMMUNITY MORTGAGE, INC. $53,980,000 $66,315,000 22.9% 13.8%
QUICKEN LOANS, LLC $35,450,000 $44,755,000 26.2% 9.3%
FirstBank $14,515,000 $20,900,000 44.0% 4.4%
The First National Bank of Middle Tennessee $38,865,000 $20,615,000 -47.0% 4.3%
CMG MORTGAGE, INC. $13,450,000 $16,615,000 23.5% 3.5%
HERITAGE SOUTH COMMUNITY CU $6,580,000 $14,770,000 124.5% 3.1%
ASCEND FEDERAL CREDIT UNION $14,310,000 $13,740,000 -4.0% 2.9%
Farm Credit Mid-America, ACA $9,405,000 $13,130,000 39.6% 2.7%
FREEDOM MORTGAGE CORPORATION $11,885,000 $10,740,000 -9.6% 2.2%
KeyBank $10,475,000 n/a 2.2%
UNITED WHOLESALE MORTGAGE, LLC $2,885,000 $9,030,000 213.0% 1.9%
LOANDEPOT.COM, LLC $7,215,000 $8,655,000 20.0% 1.8%
First Horizon Bank $700,000 $8,280,000 1,082.9% 1.7%
Pinnacle Bank $5,110,000 $8,065,000 57.8% 1.7%
PENNYMAC LOAN SERVICES, LLC $4,040,000 $7,675,000 90.0% 1.6%
A Mortgage Boutique, LLC $9,015,000 $7,340,000 -18.6% 1.5%
Wilson Bank And Trust $5,995,000 $7,035,000 17.3% 1.5%
U.S. Bank $3,260,000 $6,330,000 94.2% 1.3%
Regions Bank $8,015,000 $6,110,000 -23.8% 1.3%
Magnolia Bank $6,250,000 $6,030,000 -3.5% 1.3%
SWBC MORTGAGE CORPORATION $3,485,000 $5,515,000 58.2% 1.1%
F&M Bank $3,945,000 $5,455,000 38.3% 1.1%
GUARANTEED RATE, INC. $605,000 $5,195,000 758.7% 1.1%
Mortgage Research Center, LLC $3,480,000 $5,105,000 46.7% 1.1%
Mr. Cooper ( Nationstar Mortgage ) $3,285,000 $4,430,000 34.9% 0.9%
SmartBank $1,815,000 $4,270,000 135.3% 0.9%
Legacy Home Loans, LLC $1,505,000 $3,880,000 157.8% 0.8%
Wells Fargo Bank $1,975,000 $3,780,000 91.4% 0.8%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $4,230,000 $3,690,000 -12.8% 0.8%
ISERVE RESIDENTIAL LENDING, LLC $4,360,000 $3,605,000 -17.3% 0.8%
CALIBER HOME LOANS, INC. $2,280,000 $3,585,000 57.2% 0.7%
MOVEMENT MORTGAGE, LLC $1,820,000 $3,400,000 86.8% 0.7%
CHURCHILL MORTGAGE CORPORATION $1,505,000 $3,140,000 108.6% 0.7%
ACOPIA, LLC $3,170,000 $3,055,000 -3.6% 0.6%
Citizens Bank of Lafayette $1,715,000 $3,020,000 76.1% 0.6%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $825,000 $3,005,000 264.2% 0.6%
CROSSCOUNTRY MORTGAGE, LLC $825,000 $2,920,000 253.9% 0.6%
NEWREZ LLC $1,430,000 $2,895,000 102.4% 0.6%
Ameris Bank $705,000 $2,620,000 271.6% 0.5%
JPMorgan Chase Bank $1,420,000 $2,600,000 83.1% 0.5%
REDSTONE Federal Credit Union $2,270,000 $2,490,000 9.7% 0.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,175,000 $2,480,000 14.0% 0.5%
NEW DAY FINANCIAL, LLC $1,660,000 $2,475,000 49.1% 0.5%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,035,000 $2,450,000 136.7% 0.5%
BROKER SOLUTIONS, INC. $1,005,000 $2,325,000 131.3% 0.5%
LAKEVIEW LOAN SERVICING, LLC $1,505,000 $2,260,000 50.2% 0.5%
GUARANTY HOME MORTGAGE CORPORATION $2,450,000 $2,245,000 -8.4% 0.5%
CapStar Bank $645,000 $2,090,000 224.0% 0.4%
USAA Federal Savings Bank $1,320,000 $2,090,000 58.3% 0.4%
Carrington Mortgage Services, LLC $1,275,000 $1,915,000 50.2% 0.4%
AMERICAN PACIFIC MORTGAGE CORPORATION $165,000 $1,860,000 1,027.3% 0.4%
SUMMIT FUNDING, INC. $425,000 $1,835,000 331.8% 0.4%
DAS Acquisition Company, LLC $1,705,000 $1,740,000 2.1% 0.4%
MORTGAGE INVESTORS GROUP, INC. $2,490,000 $1,720,000 -30.9% 0.4%
Citizens Tri-County Bank $275,000 $1,660,000 503.6% 0.3%
BETTER MORTGAGE CORPORATION $295,000 $1,530,000 418.6% 0.3%
INTERLINC MORTGAGE SERVICES, LLC $2,155,000 $1,515,000 -29.7% 0.3%
PLANET HOME LENDING, LLC $470,000 $1,485,000 216.0% 0.3%
KELLER MORTGAGE, LLC $245,000 $1,415,000 477.6% 0.3%
Citizens Bank $1,080,000 $1,385,000 28.2% 0.3%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,370,000 n/a 0.3%
The Federal Savings Bank $620,000 $1,360,000 119.4% 0.3%
Renasant Bank $1,000,000 $1,320,000 32.0% 0.3%
AmRes Corporation $565,000 $1,315,000 132.7% 0.3%
Hometown Lenders, Inc. $430,000 $1,290,000 200.0% 0.3%
CLEARPATH LENDING $1,170,000 $1,260,000 7.7% 0.3%
Bank of England $760,000 $1,230,000 61.8% 0.3%
HOME POINT FINANCIAL CORPORATION $1,310,000 $1,200,000 -8.4% 0.3%
AMERISAVE MORTGAGE CORPORATION $1,050,000 $1,185,000 12.9% 0.2%
Fifth Third Bank $915,000 $1,145,000 25.1% 0.2%
T2 FINANCIAL LLC $860,000 $1,140,000 32.6% 0.2%
Legends Bank $2,370,000 $1,135,000 -52.1% 0.2%
InterContinental Capital Group, Inc $520,000 $1,105,000 112.5% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,195,000 $1,095,000 -8.4% 0.2%
First Guaranty Mortgage Corporation $1,050,000 $1,085,000 3.3% 0.2%
STOCKTON MORTGAGE CORPORATION $1,670,000 $1,055,000 -36.8% 0.2%
SUCCESS MORTGAGE PARTNERS, INC. $1,050,000 n/a 0.2%
Flagstar Bank, FSB $840,000 $995,000 18.5% 0.2%
JLB CORPORATION $260,000 $970,000 273.1% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $720,000 $870,000 20.8% 0.2%
Colten Mortgage, LLC $125,000 $850,000 580.0% 0.2%
LADERA LENDING, INC. $850,000 n/a 0.2%
SUN WEST MORTGAGE COMPANY, INC. $900,000 $850,000 -5.6% 0.2%
UNITED MORTGAGE CORP. $215,000 $830,000 286.0% 0.2%
Bell Bank $1,070,000 $795,000 -25.7% 0.2%
Truist Bank $565,000 $780,000 38.1% 0.2%
Bank of America $885,000 $775,000 -12.4% 0.2%
Barrington Bank & Trust Company, N.A. $465,000 $735,000 58.1% 0.2%
UNION HOME MORTGAGE CORP. $75,000 $735,000 880.0% 0.2%
CALCON MUTUAL MORTGAGE LLC $305,000 $710,000 132.8% 0.1%
NAVY FEDERAL CREDIT UNION $980,000 $710,000 -27.6% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $75,000 $700,000 833.3% 0.1%
THE MORTGAGE FIRM, INC. $380,000 $700,000 84.2% 0.1%
LENDINGHOME FUNDING CORPORATION $680,000 n/a 0.1%
LIMA ONE CAPITAL, LLC $680,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $670,000 $660,000 -1.5% 0.1%
First National Bank of Pulaski $770,000 $650,000 -15.6% 0.1%
BancorpSouth Bank $245,000 $585,000 138.8% 0.1%
RELIANCE FIRST CAPITAL, LLC $770,000 $560,000 -27.3% 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $735,000 $555,000 -24.5% 0.1%
LAND HOME FINANCIAL SERVICES, INC. $125,000 $550,000 340.0% 0.1%
Citibank $525,000 n/a 0.1%
Northpointe Bank $525,000 n/a 0.1%
Southern Bank of Tennessee $380,000 $520,000 36.8% 0.1%
Low VA Rates, LLC $410,000 $495,000 20.7% 0.1%
GENEVA FINANCIAL, LLC $440,000 $485,000 10.2% 0.1%
AMERICAN MORTGAGE SERVICE COMPANY $465,000 n/a 0.1%
Reliant Bank $195,000 $435,000 123.1% 0.1%
ANGEL OAK HOME LOANS LLC $405,000 n/a 0.1%
First Federal Bank $405,000 n/a 0.1%
ARC HOME LLC $645,000 $400,000 -38.0% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $275,000 $395,000 43.6% 0.1%
CRESCENT MORTGAGE COMPANY $390,000 n/a 0.1%
CORNERSTONE FINANCIAL CREDIT UNION $165,000 $385,000 133.3% 0.1%
SeaTrust Mortgage Company $385,000 n/a 0.1%
First Federal Bank $375,000 n/a 0.1%
Santander Bank, N.A. $375,000 $375,000 0.0% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $175,000 $360,000 105.7% 0.1%
Farmers Bank & Trust $355,000 n/a 0.1%
Nations Lending Corporation $155,000 $350,000 125.8% 0.1%
SOUTHWEST FUNDING, LP $690,000 $330,000 -52.2% 0.1%
CIS Financial Services, Inc. $315,000 n/a 0.1%
Paramount Bank $315,000 n/a 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $85,000 $315,000 270.6% 0.1%
HOMESIDE FINANCIAL, LLC $340,000 $310,000 -8.8% 0.1%
Gateway First Bank $305,000 n/a 0.1%
21ST MORTGAGE CORPORATION $535,000 $295,000 -44.9% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $475,000 $285,000 -40.0% 0.1%
AMERICAN FINANCING CORPORATION $280,000 n/a 0.1%
The Home Loan Expert LLC $275,000 n/a 0.1%
Citizens Bank $1,080,000 $270,000 -75.0% 0.1%
ROYAL UNITED MORTGAGE LLC $595,000 $260,000 -56.3% 0.1%
Discover Bank $230,000 $255,000 10.9% 0.1%
TENNESSEE VALLEY $255,000 n/a 0.1%
GUILD MORTGAGE COMPANY $715,000 $250,000 -65.0% 0.1%
Paramount Residential Mortgage Group, Inc. $740,000 $245,000 -66.9% 0.1%
EVERETT FINANCIAL, INC. $885,000 $240,000 -72.9% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $195,000 $235,000 20.5% 0.0%
Capital City Home Loans, LLC $235,000 n/a 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $235,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $225,000 n/a 0.0%
Consumer First Mortgage, Inc. $215,000 n/a 0.0%
EVANSVILLE TEACHERS $215,000 $215,000 0.0% 0.0%
QUORUM FEDERAL CREDIT UNION $215,000 n/a 0.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $195,000 $215,000 10.3% 0.0%
SOUTH CENTRAL BANK, INC. $210,000 n/a 0.0%
Synovus Bank $235,000 $210,000 -10.6% 0.0%
American Mortgage & Equity Consultants, Inc. $205,000 n/a 0.0%
CASTLE & COOKE MORTGAGE, LLC $205,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $205,000 n/a 0.0%
First Internet Bank of Indiana $205,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $205,000 n/a 0.0%
NP, Inc. $205,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $360,000 $205,000 -43.1% 0.0%
Southeast Financial Credit Union $205,000 n/a 0.0%
Bank of Tennessee $195,000 n/a 0.0%
THRIVE MORTGAGE, LLC $190,000 n/a 0.0%
Apex Bank $185,000 n/a 0.0%
COMMUNITY MORTGAGE CORPORATION $345,000 $185,000 -46.4% 0.0%
ACADEMY MORTGAGE CORPORATION $175,000 n/a 0.0%
Countybank $175,000 n/a 0.0%
EMM LOANS LLC $175,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $175,000 n/a 0.0%
AMERICAN ADVISORS GROUP $310,000 $170,000 -45.2% 0.0%
POLARIS HOME FUNDING CORP. $165,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $165,000 $165,000 0.0% 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $155,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $155,000 n/a 0.0%
First-Citizens Bank & Trust Company $175,000 $145,000 -17.1% 0.0%
First Financial Bank $145,000 n/a 0.0%
SIWELL, INC. $145,000 n/a 0.0%
DOMINION FINANCIAL SERVICES, LLC $135,000 n/a 0.0%
Figure Lending LLC $25,000 $135,000 440.0% 0.0%
HOMESTAR FINANCIAL CORPORATION $135,000 n/a 0.0%
TJC Mortgage, Inc. $135,000 n/a 0.0%
1ST SIGNATURE LENDING, LLC $335,000 $115,000 -65.7% 0.0%
First National Bank of America $270,000 $115,000 -57.4% 0.0%
Manufacturers and Traders Trust Company $115,000 n/a 0.0%
Republic Bank & Trust Company $655,000 $115,000 -82.4% 0.0%
VAN DYK MORTGAGE CORPORATION $115,000 n/a 0.0%
CITY-COUNTY CREDIT UNION $120,000 $105,000 -12.5% 0.0%
Servion, Inc. $105,000 $105,000 0.0% 0.0%
NBKC BANK $85,000 n/a 0.0%

Shelbyville's top lender by overall market share is FIRST COMMUNITY MORTGAGE, INC., with 13.8% market share. In second place, with 9.3%, is QUICKEN LOANS, LLC, having originated $44,755,000 in loans. In third place, with 4.4%, is FirstBank, having originated $20,900,000 in loans. In third place, with 4.3%, is The First National Bank of Middle Tennessee, having originated $20,615,000 in loans. In third place, with 3.5%, is CMG MORTGAGE, INC., having originated $16,615,000 in loans.


Shelbyville, TN Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 947 $239,945,000 $253,374
Refi 611 $117,375,000 $192,103
Cash Out Refi 542 $103,580,000 $191,107
Other 47 $5,945,000 $126,489
Home Improvement 33 $12,795,000 $387,727

Shelbyville's most frequently cited loan purpose was Home Purchase, with 947 originations. The 2nd most popular reason was Refi, with 611 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 875 $195,445,000 $223,366
3-4% 816 $186,920,000 $229,069
<2.5% 324 $68,970,000 $212,870
4-5% 108 $19,120,000 $177,037
Over 8% 14 $1,830,000 $130,714
5-6% 11 $1,065,000 $96,818
7-8% 9 $615,000 $68,333
6-7% 6 $660,000 $110,000

During 2021, Shelbyville's most frequently originated rate bucket was 2.5-3%, with 875 originations.

Loan Sizing (Shelbyville, TN MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 927 $243,015,000 $262,152
$100k-200k 869 $135,065,000 $155,426
$100,000 or less 249 $16,235,000 $65,201
$400k-600k 103 $48,575,000 $471,602
$600k-1000k 24 $16,830,000 $701,250
$Over $1MM 8 $19,920,000 $2,490,000

Shelbyville's loan sizing saw the bucket of loans from $200k-400k with 927 originations, totaling $243,015,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 866 $226,700,000 $261,778
60-80% 671 $149,235,000 $222,407
40-60% 302 $54,530,000 $180,563
20-40% 147 $16,155,000 $109,898
Under 20% 73 $3,695,000 $50,616
Over 100% 35 $9,795,000 $279,857

Shelbyville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 866 originations, totaling $226,700,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Shelbyville (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 $236,750 (23.2%) $420,502 (19.4%) 0.00 133
2018-02-01 $239,900 (22.4%) $415,956 (25.8%) 0.00 130
2018-03-01 $252,900 (28.7%) $434,132 (44.3%) 0.00 119
2018-04-01 $226,450 (13.5%) $407,466 (31.7%) 0.00 130
2018-05-01 $236,950 (-0.2%) $390,533 (-3.5%) 0.00 146
2018-06-01 $239,000 (-4.4%) $373,889 (-6.9%) 0.00 138
2018-07-01 $238,700 (-0.5%) $407,693 (7.3%) 0.00 130
2018-08-01 $244,900 (2.1%) $412,077 (4.7%) 0.00 142
2018-09-01 $259,900 (4.2%) $385,272 (-12.2%) 0.00 147
2018-10-01 $261,200 (12.6%) $381,500 (-6.6%) 0.00 150
2018-11-01 $269,900 (18.7%) $402,251 (-2.1%) 0.00 145
2018-12-01 $269,500 (9.6%) $409,865 (-6.1%) 0.00 143
2019-01-01 $269,000 (13.6%) $410,351 (-2.4%) 0.00 131
2019-02-01 $259,900 (8.3%) $395,268 (-5.0%) 0.00 130
2019-03-01 $259,900 (2.8%) $397,255 (-8.5%) 0.00 130
2019-04-01 $257,400 (13.7%) $399,044 (-2.1%) 0.00 129
2019-05-01 $252,400 (6.5%) $389,513 (-0.3%) 0.00 133
2019-06-01 $268,900 (12.5%) $417,354 (11.6%) 0.00 140
2019-07-01 $260,000 (8.9%) $417,550 (2.4%) 0.00 142
2019-08-01 $257,614 (5.2%) $411,266 (-0.2%) 0.00 145
2019-09-01 $269,900 (3.9%) $405,150 (5.2%) 0.00 148
2019-10-01 $279,900 (7.2%) $401,481 (5.2%) 0.00 170
2019-11-01 $274,900 (1.9%) $404,371 (0.5%) 0.00 172
2019-12-01 $264,900 (-1.7%) $446,173 (8.9%) 0.00 166
2020-01-01 $237,130 (-11.9%) $395,934 (-3.5%) 0.00 162
2020-02-01 $255,000 (-1.9%) $404,980 (2.5%) 0.00 157
2020-03-01 $279,900 (7.7%) $405,438 (2.1%) 0.00 152
2020-04-01 $249,700 (-3.0%) $390,720 (-2.1%) 0.00 159
2020-05-01 $280,000 (10.9%) $414,428 (6.4%) 0.00 148
2020-06-01 $304,900 (13.4%) $477,120 (14.3%) 0.00 105
2020-07-01 $312,450 (20.2%) $487,216 (16.7%) 0.00 98
2020-08-01 $299,900 (16.4%) $542,064 (31.8%) 0.00 85
2020-09-01 $299,900 (11.1%) $541,983 (33.8%) 0.00 86
2020-10-01 $294,900 (5.4%) $533,916 (33.0%) 0.00 92
2020-11-01 $289,900 (5.5%) $502,412 (24.3%) 0.00 102
2020-12-01 $299,450 (13.0%) $514,030 (15.2%) 0.00 96
2021-01-01 $264,900 (11.7%) $447,701 (13.1%) 0.00 91
2021-02-01 $277,450 (8.8%) $469,543 (15.9%) 0.00 70
2021-03-01 $280,485 (0.2%) $533,330 (31.5%) 0.00 64
2021-04-01 $327,450 (31.1%) $618,636 (58.3%) 0.00 49
2021-05-01 $389,900 (39.3%) $722,549 (74.4%) 0.00 48
2021-06-01 $417,000 (36.8%) $727,875 (52.6%) 0.00 53
2021-07-01 $449,900 (44.0%) $685,246 (40.7%) 0.00 69
2021-08-01 $415,000 (38.4%) $684,151 (26.2%) 0.00 71
2021-09-01 $406,048 (35.4%) $638,221 (17.8%) 0.00 77
2021-10-01 $399,900 (35.6%) $651,704 (22.1%) 0.00 74
2021-11-01 $387,568 (33.7%) $684,970 (36.3%) 0.00 73
2021-12-01 $382,498 (27.7%) $770,648 (49.9%) 0.00 65
2022-01-01 $385,000 (45.3%) $778,753 (73.9%) 0.00 51
2022-02-01 $313,000 (12.8%) $663,368 (41.3%) 0.00 58
2022-03-01 $349,950 (24.8%) $659,653 (23.7%) 0.00 54
2022-04-01 $399,900 (22.1%) $702,824 (13.6%) 0.00 64
2022-05-01 $392,250 (0.6%) $672,268 (-7.0%) 0.00 82
Shelbyville's median listing price for 2022-05-01 was $392,250, a difference of $2,350 (0.6%) versus the prior year and $-7,650 versus the prior month.

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

Shelbyville's average listing price for 2022-05-01 was $672,268, a difference of $-50,281 (-7.0%) versus the prior year and $-30,556 versus the prior month.

For the 2022-05-01 period, Shelbyville had 82 MLS listings, a difference of 18 listings (28%) versus the prior month and 34 listings (71%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Shelbyville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,133 sqft
2018-02-01 0 days 2,060 sqft
2018-03-01 0 days 2,085 sqft
2018-04-01 0 days 1,989 sqft
2018-05-01 0 days 1,944 sqft
2018-06-01 0 days 1,989 sqft
2018-07-01 0 days 1,972 sqft
2018-08-01 0 days 1,896 sqft
2018-09-01 0 days 1,956 sqft
2018-10-01 0 days 2,007 sqft
2018-11-01 0 days 2,022 sqft
2018-12-01 0 days 2,014 sqft
2019-01-01 0 days 2,029 sqft
2019-02-01 0 days 1,956 sqft
2019-03-01 0 days 1,975 sqft
2019-04-01 0 days 1,992 sqft
2019-05-01 0 days 1,870 sqft
2019-06-01 0 days 1,978 sqft
2019-07-01 0 days 1,910 sqft
2019-08-01 0 days 1,914 sqft
2019-09-01 0 days 1,989 sqft
2019-10-01 0 days 2,088 sqft
2019-11-01 0 days 2,052 sqft
2019-12-01 0 days 1,979 sqft
2020-01-01 0 days 1,884 sqft
2020-02-01 0 days 1,978 sqft
2020-03-01 0 days 1,979 sqft
2020-04-01 0 days 1,963 sqft
2020-05-01 0 days 1,979 sqft
2020-06-01 0 days 2,020 sqft
2020-07-01 0 days 2,136 sqft
2020-08-01 0 days 2,148 sqft
2020-09-01 0 days 2,068 sqft
2020-10-01 0 days 1,960 sqft
2020-11-01 0 days 1,912 sqft
2020-12-01 0 days 1,943 sqft
2021-01-01 0 days 1,854 sqft
2021-02-01 0 days 1,888 sqft
2021-03-01 0 days 1,979 sqft
2021-04-01 0 days 1,979 sqft
2021-05-01 0 days 2,099 sqft
2021-06-01 0 days 2,381 sqft
2021-07-01 0 days 2,320 sqft
2021-08-01 0 days 2,146 sqft
2021-09-01 0 days 2,160 sqft
2021-10-01 0 days 2,250 sqft
2021-11-01 0 days 2,296 sqft
2021-12-01 0 days 2,218 sqft
2022-01-01 0 days 2,054 sqft
2022-02-01 0 days 1,695 sqft
2022-03-01 0 days 1,887 sqft
2022-04-01 0 days 1,973 sqft
2022-05-01 0 days 1,973 sqft
Shelbyville's median listing age (time on market) for 2022-05-01 was 0 days.

Shelbyville's median square footage for active listings during the 2022-05-01 period was 1,973 sqft. One year prior, the average listing was 2,099 sqft.