Tullahoma - Manchester Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Tullahoma - Manchester averaged
6.91%
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
6.91% and
one month ago for the week of 2025-05-29, the
average rate was 6.83%.
Tullahoma - Manchester's average rate one year ago was 7.1%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.2%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Tullahoma - Manchester 30 Year Fixed Rate | 2025-07-03 | 6.91% |
| Tullahoma - Manchester 30 Year Fixed Rate Refi | 2025-07-03 | 7.2% |
| Tullahoma - Manchester 15 Year Fixed Rate | 2025-07-03 | 5.8% |
| Tullahoma - Manchester 15 Year Fixed Rate Refi | 2025-07-03 | 6.1% |
| Tullahoma - Manchester 30 Year FHA | 2025-07-03 | 0.11% |
| Tullahoma - Manchester 30 Year FHA Refi | 2025-07-03 | -0.1% |
| Tullahoma - Manchester 30 Year USDA | 2025-07-03 | -0.34% |
| Tullahoma - Manchester 30 Year USDA Refi | 2025-07-03 | -0.2% |
| Tullahoma - Manchester 30 Year VA | 2025-07-03 | 0.16% |
| Tullahoma - Manchester 30 Year VA Refi | 2025-07-03 | -0.25% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Tullahoma-Manchester, TN.
Tullahoma - Manchester 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 Tullahoma-Manchester, 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.).
Tullahoma - Manchester Average Closing Costs & Other Stats
Tullahoma-Manchester, TN's 115 lenders originated 2,506
loans during 2024. The total origination value was $625,640,000, with an average loan value of
$249,657.
Tullahoma - Manchester's average closing costs are $5,630.
The top Tullahoma - Manchester lender as defined by loan originations is ASCEND FEDERAL CREDIT UNION, with
92 loans originated. Their average total fees are
$3,272, which is $3,993
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Tullahoma - Manchester lenders (with over 10 loans originated) are
REDSTONE Federal Credit Union ($3,232), ASCEND FEDERAL CREDIT UNION ($3,272), U.S. Bank ($4,177), Old National Bank ($4,261) and Regions Bank ($4,442).
The lowest rate Tullahoma - Manchester lenders (with over 10 loans originated) are
ASCEND FEDERAL CREDIT UNION (6.28%), Mr. Cooper ( Nationstar Mortgage ) (6.59%), U.S. Bank (6.61%), UNITED WHOLESALE MORTGAGE, LLC (6.61%) and Citizens Tri-County Bank (6.62%).
Tullahoma-Manchester, 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 | $45,515,000 | $51,740,000 | 13.7% | 8.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $27,470,000 | $46,160,000 | 68.0% | 7.4% |
| CMG MORTGAGE, INC. | $25,880,000 | $42,000,000 | 62.3% | 6.7% |
| FirstBank | $38,420,000 | $38,140,000 | -0.7% | 6.1% |
| ASCEND FEDERAL CREDIT UNION | $33,515,000 | $38,095,000 | 13.7% | 6.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $17,955,000 | $28,555,000 | 59.0% | 4.6% |
| SeaTrust Mortgage Company | $13,985,000 | $23,030,000 | 64.7% | 3.7% |
| Mortgage Research Center, LLC | $14,280,000 | $18,850,000 | 32.0% | 3.0% |
| Citizens Tri-County Bank | $21,980,000 | $18,060,000 | -17.8% | 2.9% |
| BROKER SOLUTIONS, INC. | $11,525,000 | $15,510,000 | 34.6% | 2.5% |
| Merchants Bank of Indiana | $12,355,000 | n/a | 2.0% | |
| Regions Bank | $9,570,000 | $9,425,000 | -1.5% | 1.5% |
| FREEDOM MORTGAGE CORPORATION | $2,740,000 | $9,010,000 | 228.8% | 1.4% |
| Old National Bank | $125,000 | $8,645,000 | 6,816.0% | 1.4% |
| NAVY FEDERAL CREDIT UNION | $5,735,000 | $7,980,000 | 39.1% | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $4,735,000 | $7,545,000 | 59.3% | 1.2% |
| SmartBank | $8,150,000 | $7,265,000 | -10.9% | 1.2% |
| Citizens Bank of Lafayette | $10,230,000 | $7,185,000 | -29.8% | 1.1% |
| EVANSVILLE TEACHERS | $8,530,000 | $6,960,000 | -18.4% | 1.1% |
| The First National Bank of Middle Tennessee | $4,070,000 | $6,710,000 | 64.9% | 1.1% |
| First Vision Bank of Tennessee | $42,310,000 | $6,505,000 | -84.6% | 1.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $5,745,000 | $6,055,000 | 5.4% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $5,130,000 | $5,945,000 | 15.9% | 1.0% |
| U.S. Bank | $7,235,000 | $5,825,000 | -19.5% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,400,000 | $5,775,000 | 69.9% | 0.9% |
| REDSTONE Federal Credit Union | $3,405,000 | $5,525,000 | 62.3% | 0.9% |
| Farm Credit Mid-America, ACA | $8,605,000 | $5,020,000 | -41.7% | 0.8% |
| STOCKTON MORTGAGE CORPORATION | $3,255,000 | $4,970,000 | 52.7% | 0.8% |
| VILLAGE CAPITAL MORTGAGE | $1,580,000 | $4,660,000 | 194.9% | 0.7% |
| NEWREZ LLC | $980,000 | $4,640,000 | 373.5% | 0.7% |
| Renasant Bank | $4,400,000 | $4,470,000 | 1.6% | 0.7% |
| Pinnacle Bank | $9,520,000 | $4,445,000 | -53.3% | 0.7% |
| GUARANTEED RATE, INC. | $3,410,000 | $3,810,000 | 11.7% | 0.6% |
| First Horizon Bank | $965,000 | $3,720,000 | 285.5% | 0.6% |
| ISERVE RESIDENTIAL LENDING, LLC | $3,680,000 | $3,645,000 | -1.0% | 0.6% |
| MORTGAGE INVESTORS GROUP, INC. | $4,600,000 | $3,455,000 | -24.9% | 0.6% |
| LOANDEPOT.COM, LLC | $3,190,000 | $3,420,000 | 7.2% | 0.5% |
| NATIONS RELIABLE LENDING, LLC | $1,315,000 | $3,285,000 | 149.8% | 0.5% |
| SWBC MORTGAGE CORPORATION | $4,090,000 | $3,130,000 | -23.5% | 0.5% |
| NEW DAY FINANCIAL, LLC | $1,955,000 | $3,005,000 | 53.7% | 0.5% |
| Flagstar Bank, FSB | $1,685,000 | $2,965,000 | 76.0% | 0.5% |
| Wilson Bank And Trust | $3,030,000 | $2,795,000 | -7.8% | 0.4% |
| Legacy Home Loans, LLC | $3,785,000 | $2,745,000 | -27.5% | 0.4% |
| BNY Mellon | $2,715,000 | n/a | 0.4% | |
| Truist | $3,410,000 | $2,715,000 | -20.4% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $3,340,000 | $2,520,000 | -24.6% | 0.4% |
| USAA Federal Savings Bank | $2,630,000 | $2,490,000 | -5.3% | 0.4% |
| ACOPIA, LLC | $4,105,000 | $2,405,000 | -41.4% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,435,000 | $2,340,000 | -3.9% | 0.4% |
| Equity Prime Mortgage LLC | $460,000 | $2,000,000 | 334.8% | 0.3% |
| Texana Bank | $1,950,000 | n/a | 0.3% | |
| Stock Yards Bank & Trust Company | $1,865,000 | n/a | 0.3% | |
| AMERISAVE MORTGAGE CORPORATION | $1,685,000 | $1,810,000 | 7.4% | 0.3% |
| Armed Forces Bank | $1,805,000 | n/a | 0.3% | |
| PLANET HOME LENDING, LLC | $555,000 | $1,730,000 | 211.7% | 0.3% |
| 21ST MORTGAGE CORPORATION | $1,525,000 | $1,710,000 | 12.1% | 0.3% |
| UBS Bank USA | $1,665,000 | n/a | 0.3% | |
| CHURCHILL MORTGAGE CORPORATION | $4,270,000 | $1,655,000 | -61.2% | 0.3% |
| Bank of America | $4,830,000 | $1,650,000 | -65.8% | 0.3% |
| COMMUNITY MORTGAGE CORPORATION | $195,000 | $1,640,000 | 741.0% | 0.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $495,000 | $1,630,000 | 229.3% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $730,000 | $1,545,000 | 111.6% | 0.2% |
| Ameris Bank | $725,000 | $1,495,000 | 106.2% | 0.2% |
| UNION HOME MORTGAGE CORP. | $955,000 | $1,465,000 | 53.4% | 0.2% |
| First National Bank of Pulaski | $740,000 | $1,440,000 | 94.6% | 0.2% |
| BETTER MORTGAGE CORPORATION | $420,000 | $1,435,000 | 241.7% | 0.2% |
| CANOPY MORTGAGE, LLC | $645,000 | $1,425,000 | 120.9% | 0.2% |
| Choice Financial Group | $1,425,000 | n/a | 0.2% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $620,000 | $1,240,000 | 100.0% | 0.2% |
| JPMorgan Chase Bank | $1,735,000 | $1,230,000 | -29.1% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,205,000 | n/a | 0.2% | |
| Y-12 Federal Credit Union | $1,205,000 | n/a | 0.2% | |
| ALLIANT CREDIT UNION | $1,125,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL NETWORK, INC. | $155,000 | $1,090,000 | 603.2% | 0.2% |
| Magnolia Bank | $850,000 | $1,055,000 | 24.1% | 0.2% |
| The Federal Savings Bank | $1,145,000 | $1,055,000 | -7.9% | 0.2% |
| GENEVA FINANCIAL, LLC | $1,040,000 | n/a | 0.2% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $155,000 | $1,015,000 | 554.8% | 0.2% |
| Volunteer State Bank | $1,500,000 | $1,005,000 | -33.0% | 0.2% |
| First Federal Bank | $990,000 | n/a | 0.2% | |
| ROYAL UNITED MORTGAGE LLC | $200,000 | $970,000 | 385.0% | 0.2% |
| Nations Lending Corporation | $575,000 | $960,000 | 67.0% | 0.2% |
| Figure Lending LLC | $200,000 | $950,000 | 375.0% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $780,000 | $920,000 | 17.9% | 0.1% |
| Bank of Tennessee | $165,000 | $905,000 | 448.5% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $1,565,000 | $905,000 | -42.2% | 0.1% |
| CapStar Bank | $5,780,000 | $810,000 | -86.0% | 0.1% |
| South State Bank | $250,000 | $805,000 | 222.0% | 0.1% |
| Discover Bank | $810,000 | $785,000 | -3.1% | 0.1% |
| Charles Schwab Bank, SSB | $775,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $750,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $450,000 | $735,000 | 63.3% | 0.1% |
| Integrity Home Mortgage Corp | $735,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $355,000 | $735,000 | 107.0% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $730,000 | n/a | 0.1% | |
| F&M Bank | $2,855,000 | $705,000 | -75.3% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $705,000 | n/a | 0.1% | |
| FIRST COLONY MORTGAGE CORPORATION | $700,000 | n/a | 0.1% | |
| Fifth Third Bank | $1,030,000 | $695,000 | -32.5% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $135,000 | $685,000 | 407.4% | 0.1% |
| T2 FINANCIAL LLC | $635,000 | $685,000 | 7.9% | 0.1% |
| Carrington Mortgage Services, LLC | $1,110,000 | $665,000 | -40.1% | 0.1% |
| United Community Bank | $75,000 | $655,000 | 773.3% | 0.1% |
| AMWEST FUNDING CORP. | $650,000 | n/a | 0.1% | |
| COMPASS MORTGAGE, INC. | $495,000 | $645,000 | 30.3% | 0.1% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $620,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $1,060,000 | $610,000 | -42.5% | 0.1% |
| Deere Employees Credit Union | $225,000 | $605,000 | 168.9% | 0.1% |
| Citizens Bank | $45,000 | $595,000 | 1,222.2% | 0.1% |
| SOUTHWEST FUNDING, LP | $580,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $155,000 | $575,000 | 271.0% | 0.1% |
| LADERA LENDING, INC. | $575,000 | n/a | 0.1% | |
| Coastal Community Bank | $80,000 | $570,000 | 612.5% | 0.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $995,000 | $560,000 | -43.7% | 0.1% |
| TJC Mortgage, Inc. | $630,000 | $560,000 | -11.1% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $225,000 | $555,000 | 146.7% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $2,840,000 | $540,000 | -81.0% | 0.1% |
| First Savings Bank | $535,000 | n/a | 0.1% | |
| LOANFLIGHT LENDING, LLC | $535,000 | n/a | 0.1% | |
| ENDEAVOR CAPITAL, LLC. | $525,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $325,000 | $520,000 | 60.0% | 0.1% |
| PNC Bank | $205,000 | $520,000 | 153.7% | 0.1% |
| VERITAS FUNDING, LLC | $520,000 | n/a | 0.1% | |
| Republic Bank & Trust Company | $465,000 | $505,000 | 8.6% | 0.1% |
| Tyndall Federal Credit Union | $15,000 | $505,000 | 3,266.7% | 0.1% |
| Mountain Valley Bank | $1,670,000 | $490,000 | -70.7% | 0.1% |
| NEXERA HOLDING LLC | $485,000 | n/a | 0.1% | |
| OCMBC, INC. | $210,000 | $480,000 | 128.6% | 0.1% |
| ZILLOW HOME LOANS, LLC | $400,000 | $480,000 | 20.0% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $475,000 | n/a | 0.1% | |
| Uwharrie Bank | $475,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $195,000 | $450,000 | 130.8% | 0.1% |
| Legends Bank | $1,840,000 | $445,000 | -75.8% | 0.1% |
| A&D Mortgage LLC | $145,000 | $440,000 | 203.4% | 0.1% |
| Mountain Commerce Bank | $435,000 | n/a | 0.1% | |
| RESOURCE FINANCIAL SERVICES, INC. | $415,000 | $425,000 | 2.4% | 0.1% |
| LOANPAL, LLC | $570,000 | $420,000 | -26.3% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $910,000 | $410,000 | -54.9% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $255,000 | $410,000 | 60.8% | 0.1% |
| Bell Bank | $405,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $345,000 | $400,000 | 15.9% | 0.1% |
| CARDINAL FINANCIAL | $1,325,000 | $400,000 | -69.8% | 0.1% |
| Brighton Bank | $395,000 | n/a | 0.1% | |
| NETWORK CAPITAL FUNDING CORPORATION | $395,000 | n/a | 0.1% | |
| The Farmers Bank | $395,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $980,000 | $390,000 | -60.2% | 0.1% |
| GARDNER FINANCIAL SERVICES, LTD. | $225,000 | $365,000 | 62.2% | 0.1% |
| Morgan Stanley Private Bank | $205,000 | $365,000 | 78.0% | 0.1% |
| EASTMAN | $355,000 | n/a | 0.1% | |
| FIRST EQUITY MORTGAGE INCORPORATED | $355,000 | n/a | 0.1% | |
| Leaders Credit Union | $495,000 | $355,000 | -28.3% | 0.1% |
| QUORUM FEDERAL CREDIT UNION | $75,000 | $355,000 | 373.3% | 0.1% |
| AmeriHome Mortgage Company, LLC | $305,000 | $335,000 | 9.8% | 0.1% |
| CIBM Bank | $335,000 | n/a | 0.1% | |
| Presidential Bank, FSB | $335,000 | n/a | 0.1% | |
| HERITAGE SOUTH COMMUNITY CU | $365,000 | $330,000 | -9.6% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $330,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $325,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $595,000 | $325,000 | -45.4% | 0.1% |
| Patriot Bank | $325,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $330,000 | $320,000 | -3.0% | 0.1% |
| First Farmers and Merchants Bank | $2,500,000 | $320,000 | -87.2% | 0.1% |
| NFM, INC. | $650,000 | $310,000 | -52.3% | 0.0% |
| AMERICAN FINANCING CORPORATION | $305,000 | n/a | 0.0% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $365,000 | $305,000 | -16.4% | 0.0% |
| DELMAR FINANCIAL COMPANY | $305,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $305,000 | n/a | 0.0% | |
| Northpointe Bank | $185,000 | $295,000 | 59.5% | 0.0% |
| SIRVA MORTGAGE, INC. | $295,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $290,000 | n/a | 0.0% | |
| SOUTHWEST STAGE FUNDING, LLC | $290,000 | n/a | 0.0% | |
| Ixonia Bank | $285,000 | n/a | 0.0% | |
| Capital City Home Loans, LLC | $115,000 | $275,000 | 139.1% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,625,000 | $275,000 | -83.1% | 0.0% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | $275,000 | n/a | 0.0% | |
| Wells Fargo Bank | $2,875,000 | $270,000 | -90.6% | 0.0% |
| ALTRA | $265,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $255,000 | n/a | 0.0% | |
| NexBank | $285,000 | $255,000 | -10.5% | 0.0% |
| Synovus Bank | $245,000 | $255,000 | 4.1% | 0.0% |
| Bank of England | $165,000 | $245,000 | 48.5% | 0.0% |
| GUILD MORTGAGE COMPANY | $65,000 | $245,000 | 276.9% | 0.0% |
| American Airlines Federal Credit Union | $235,000 | n/a | 0.0% | |
| Community First National Bank | $235,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $235,000 | n/a | 0.0% | |
| ROSS MORTGAGE CORPORATION | $675,000 | $235,000 | -65.2% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $225,000 | n/a | 0.0% | |
| First United Bank and Trust Company | $555,000 | $225,000 | -59.5% | 0.0% |
| SHELTER LENDING SERVICES, L.L.C. | $225,000 | n/a | 0.0% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $225,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $205,000 | $215,000 | 4.9% | 0.0% |
| DSLD MORTGAGE, LLC | $215,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $215,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $465,000 | $215,000 | -53.8% | 0.0% |
| GoPrime Mortgage, Inc. | $195,000 | n/a | 0.0% | |
| Southern Bank of Tennessee | $1,180,000 | $195,000 | -83.5% | 0.0% |
| AXIA FINANCIAL, LLC | $325,000 | $185,000 | -43.1% | 0.0% |
| Credence Funding Corporation | $185,000 | n/a | 0.0% | |
| Midwest BankCentre | $185,000 | n/a | 0.0% | |
| Plains Commerce Bank | $295,000 | $185,000 | -37.3% | 0.0% |
| MILEND, INC. | $835,000 | $175,000 | -79.0% | 0.0% |
| Investmark Mortgage, LLC | $155,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $155,000 | n/a | 0.0% | |
| M&T Bank | $255,000 | $155,000 | -39.2% | 0.0% |
| TENNESSEE VALLEY | $95,000 | $155,000 | 63.2% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $145,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $290,000 | $145,000 | -50.0% | 0.0% |
| BankTennessee | $135,000 | n/a | 0.0% | |
| HomeTrust Bank | $545,000 | $125,000 | -77.1% | 0.0% |
| The Loan Store, Inc. | $195,000 | $110,000 | -43.6% | 0.0% |
| WINGS FINANCIAL | $105,000 | n/a | 0.0% | |
| CB&S Bank, Inc. | $85,000 | n/a | 0.0% | |
| US MORTGAGE CORPORATION | $85,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $190,000 | $75,000 | -60.5% | 0.0% |
| THE TENNESSEE CREDIT UNION | $35,000 | $65,000 | 85.7% | 0.0% |
| Elements Financial Federal Credit Union | $35,000 | n/a | 0.0% | |
| First Eagle Federal Credi Union | $35,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $225,000 | $35,000 | -84.4% | 0.0% |
| SUN Federal Credit Union | $35,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $520,000 | $35,000 | -93.3% | 0.0% |
Tullahoma - Manchester's top lender by overall market share is QUICKEN LOANS, LLC, with 8.3% market share. In second place, with 7.4%, is FIRST COMMUNITY MORTGAGE, INC., having originated $46,160,000 in loans. In third place, with 6.7%, is CMG MORTGAGE, INC., having originated $42,000,000 in loans. In fourth place, with 6.1%, is FirstBank, having originated $38,140,000 in loans. In fifth place, with 6.1%, is ASCEND FEDERAL CREDIT UNION, having originated $38,095,000 in loans.
Tullahoma - Manchester Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Tullahoma - Manchester (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 | $238,675 (9.6%) | $324,192 (20.3%) | 0.00 | 162 |
| 2018-02-01 | $257,050 (25.5%) | $336,866 (22.2%) | 0.00 | 161 |
| 2018-03-01 | $269,900 (28.5%) | $346,801 (24.8%) | 0.00 | 163 |
| 2018-04-01 | $252,175 (17.4%) | $348,021 (22.4%) | 0.00 | 168 |
| 2018-05-01 | $269,175 (4.6%) | $350,377 (6.9%) | 0.00 | 173 |
| 2018-06-01 | $249,900 (3.8%) | $333,392 (2.6%) | 0.00 | 190 |
| 2018-07-01 | $249,900 (-9.4%) | $327,011 (-8.1%) | 0.00 | 192 |
| 2018-08-01 | $239,900 (-12.3%) | $313,549 (-11.3%) | 0.00 | 189 |
| 2018-09-01 | $230,400 (-5.8%) | $305,067 (-9.6%) | 0.00 | 199 |
| 2018-10-01 | $245,297 (2.0%) | $315,374 (-6.7%) | 0.00 | 201 |
| 2018-11-01 | $242,027 (5.9%) | $305,333 (-4.7%) | 0.00 | 203 |
| 2018-12-01 | $239,900 (4.4%) | $299,391 (-7.8%) | 0.00 | 206 |
| 2019-01-01 | $240,963 (1.0%) | $300,604 (-7.3%) | 0.00 | 198 |
| 2019-02-01 | $251,651 (-2.1%) | $312,762 (-7.2%) | 0.00 | 193 |
| 2019-03-01 | $262,347 (-2.8%) | $321,727 (-7.2%) | 0.00 | 177 |
| 2019-04-01 | $268,956 (6.7%) | $328,633 (-5.6%) | 0.00 | 157 |
| 2019-05-01 | $274,998 (2.2%) | $333,880 (-4.7%) | 0.00 | 156 |
| 2019-06-01 | $272,250 (8.9%) | $327,539 (-1.8%) | 0.00 | 156 |
| 2019-07-01 | $273,025 (9.3%) | $330,650 (1.1%) | 0.00 | 152 |
| 2019-08-01 | $262,627 (9.5%) | $321,054 (2.4%) | 0.00 | 168 |
| 2019-09-01 | $249,843 (8.4%) | $311,059 (2.0%) | 0.00 | 184 |
| 2019-10-01 | $239,900 (-2.2%) | $303,649 (-3.7%) | 0.00 | 196 |
| 2019-11-01 | $237,500 (-1.9%) | $301,060 (-1.4%) | 0.00 | 180 |
| 2019-12-01 | $230,175 (-4.1%) | $296,483 (-1.0%) | 0.00 | 174 |
| 2020-01-01 | $235,450 (-2.3%) | $306,425 (1.9%) | 0.00 | 161 |
| 2020-02-01 | $240,000 (-4.6%) | $309,713 (-1.0%) | 0.00 | 154 |
| 2020-03-01 | $259,900 (-0.9%) | $343,164 (6.7%) | 0.00 | 138 |
| 2020-04-01 | $248,825 (-7.5%) | $320,920 (-2.4%) | 0.00 | 141 |
| 2020-05-01 | $268,900 (-2.2%) | $342,589 (2.6%) | 0.00 | 129 |
| 2020-06-01 | $297,275 (9.2%) | $362,828 (10.8%) | 0.00 | 104 |
| 2020-07-01 | $296,400 (8.6%) | $351,631 (6.4%) | 0.00 | 102 |
| 2020-08-01 | $320,000 (21.9%) | $386,000 (20.2%) | 0.00 | 92 |
| 2020-09-01 | $305,700 (22.4%) | $353,579 (13.7%) | 0.00 | 75 |
| 2020-10-01 | $304,900 (27.1%) | $340,135 (12.0%) | 0.00 | 62 |
| 2020-11-01 | $302,175 (27.2%) | $384,098 (27.6%) | 0.00 | 57 |
| 2020-12-01 | $274,950 (19.5%) | $367,586 (24.0%) | 0.00 | 57 |
| 2021-01-01 | $254,000 (7.9%) | $316,214 (3.2%) | 0.00 | 66 |
| 2021-02-01 | $269,900 (12.5%) | $319,007 (3.0%) | 0.00 | 63 |
| 2021-03-01 | $293,150 (12.8%) | $369,726 (7.7%) | 0.00 | 52 |
| 2021-04-01 | $322,400 (29.6%) | $367,823 (14.6%) | 0.00 | 48 |
| 2021-05-01 | $419,450 (56.0%) | $416,692 (21.6%) | 0.00 | 65 |
| 2021-06-01 | $393,450 (32.4%) | $446,331 (23.0%) | 0.00 | 64 |
| 2021-07-01 | $339,900 (14.7%) | $442,515 (25.9%) | 0.00 | 77 |
| 2021-08-01 | $357,400 (11.7%) | $462,353 (19.8%) | 0.00 | 77 |
| 2021-09-01 | $374,950 (22.7%) | $480,070 (35.8%) | 0.00 | 87 |
| 2021-10-01 | $379,900 (24.6%) | $507,835 (49.3%) | 0.00 | 98 |
| 2021-11-01 | $371,150 (22.8%) | $496,814 (29.4%) | 0.00 | 98 |
| 2021-12-01 | $361,175 (31.4%) | $534,580 (45.4%) | 0.00 | 80 |
| 2022-01-01 | $359,900 (41.7%) | $572,007 (80.9%) | 0.00 | 66 |
| 2022-02-01 | $369,950 (37.1%) | $580,501 (82.0%) | 0.00 | 63 |
| 2022-03-01 | $381,200 (30.0%) | $587,237 (58.8%) | 0.00 | 67 |
| 2022-04-01 | $379,700 (17.8%) | $541,965 (47.3%) | 0.00 | 86 |
| 2022-05-01 | $366,925 (-12.5%) | $554,873 (33.2%) | 0.00 | 100 |
| 2022-06-01 | $401,450 (2.0%) | $574,880 (28.8%) | 0.00 | 128 |
| 2022-07-01 | $399,900 (17.7%) | $586,232 (32.5%) | 0.00 | 153 |
| 2022-08-01 | $415,225 (16.2%) | $578,017 (25.0%) | 0.00 | 162 |
| 2022-09-01 | $407,450 (8.7%) | $562,813 (17.2%) | 0.00 | 159 |
| 2022-10-01 | $389,900 (2.6%) | $506,772 (-0.2%) | 0.00 | 201 |
| 2022-11-01 | $372,450 (0.4%) | $481,406 (-3.1%) | 0.00 | 209 |
| 2022-12-01 | $375,000 (3.8%) | $481,285 (-10.0%) | 0.00 | 195 |
| 2023-01-01 | $359,900 (0.0%) | $473,986 (-17.1%) | 0.00 | 199 |
| 2023-02-01 | $360,558 (-2.5%) | $468,934 (-19.2%) | 0.00 | 180 |
| 2023-03-01 | $357,500 (-6.2%) | $471,831 (-19.7%) | 0.00 | 173 |
| 2023-04-01 | $414,900 (9.3%) | $519,419 (-4.2%) | 0.00 | 154 |
| 2023-05-01 | $419,450 (14.3%) | $523,097 (-5.7%) | 0.00 | 157 |
| 2023-06-01 | $406,925 (1.4%) | $516,057 (-10.2%) | 0.00 | 157 |
| 2023-07-01 | $429,000 (7.3%) | $504,241 (-14.0%) | 0.00 | 152 |
| 2023-08-01 | $404,950 (-2.5%) | $481,349 (-16.7%) | 0.00 | 166 |
| 2023-09-01 | $399,900 (-1.9%) | $480,408 (-14.6%) | 0.00 | 184 |
| 2023-10-01 | $404,450 (3.7%) | $479,487 (-5.4%) | 0.00 | 187 |
| 2023-11-01 | $399,900 (7.4%) | $487,818 (1.3%) | 0.00 | 200 |
| 2023-12-01 | $385,000 (2.7%) | $469,279 (-2.5%) | 0.00 | 208 |
| 2024-01-01 | $382,900 (6.4%) | $464,435 (-2.0%) | 0.00 | 182 |
| 2024-02-01 | $398,500 (10.5%) | $478,534 (2.1%) | 0.00 | 170 |
| 2024-03-01 | $407,450 (14.0%) | $493,555 (4.6%) | 0.00 | 172 |
| 2024-04-01 | $416,175 (0.3%) | $534,196 (2.8%) | 0.00 | 168 |
| 2024-05-01 | $415,700 (-0.9%) | $552,165 (5.6%) | 0.00 | 187 |
| 2024-06-01 | $419,900 (3.2%) | $533,491 (3.4%) | 0.00 | 217 |
| 2024-07-01 | $404,900 (-5.6%) | $512,181 (1.6%) | 0.00 | 227 |
| 2024-08-01 | $379,900 (-6.2%) | $486,924 (1.2%) | 0.00 | 238 |
| 2024-09-01 | $379,900 (-5.0%) | $473,045 (-1.5%) | 0.00 | 272 |
| 2024-10-01 | $381,975 (-5.6%) | $479,322 (0.0%) | 0.00 | 285 |
| 2024-11-01 | $369,900 (-7.5%) | $470,964 (-3.5%) | 0.00 | 310 |
| 2024-12-01 | $366,000 (-4.9%) | $449,766 (-4.2%) | 0.00 | 275 |
| 2025-01-01 | $359,950 (-6.0%) | $443,623 (-4.5%) | 0.00 | 272 |
| 2025-02-01 | $374,425 (-6.0%) | $456,111 (-4.7%) | 0.00 | 274 |
| 2025-03-01 | $375,000 (-8.0%) | $452,177 (-8.4%) | 0.00 | 285 |
| 2025-04-01 | $376,975 (-9.4%) | $440,151 (-17.6%) | 0.00 | 291 |
| 2025-05-01 | $365,900 (-12.0%) | $447,921 (-18.9%) | 0.00 | 285 |
Tullahoma - Manchester's median listing price for 2025-05-01 was $365,900, a difference of
$-49,800
(-12.0%) versus the prior year and
$-11,075 versus the prior month.
Tullahoma - Manchester's median listing price comes in at 0% of the national average.
Tullahoma - Manchester's average listing price for 2025-05-01 was $447,921, a difference of $-104,244 (-18.9%) versus the prior year and $7,770 versus the prior month.
For the 2025-05-01 period, Tullahoma - Manchester had 285 MLS listings, a difference of -6 listings (-2%) versus the prior month and 98 listings (52%) versus the prior year.
Tullahoma - Manchester's median listing price comes in at 0% of the national average.
Tullahoma - Manchester's average listing price for 2025-05-01 was $447,921, a difference of $-104,244 (-18.9%) versus the prior year and $7,770 versus the prior month.
For the 2025-05-01 period, Tullahoma - Manchester had 285 MLS listings, a difference of -6 listings (-2%) versus the prior month and 98 listings (52%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Tullahoma - Manchester (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,191 sqft |
| 2018-02-01 | 0 days | 2,302 sqft |
| 2018-03-01 | 0 days | 2,300 sqft |
| 2018-04-01 | 0 days | 2,256 sqft |
| 2018-05-01 | 0 days | 2,324 sqft |
| 2018-06-01 | 0 days | 2,300 sqft |
| 2018-07-01 | 0 days | 2,313 sqft |
| 2018-08-01 | 0 days | 2,112 sqft |
| 2018-09-01 | 0 days | 2,050 sqft |
| 2018-10-01 | 0 days | 2,124 sqft |
| 2018-11-01 | 0 days | 2,117 sqft |
| 2018-12-01 | 0 days | 2,010 sqft |
| 2019-01-01 | 0 days | 2,006 sqft |
| 2019-02-01 | 0 days | 2,101 sqft |
| 2019-03-01 | 0 days | 2,155 sqft |
| 2019-04-01 | 0 days | 2,210 sqft |
| 2019-05-01 | 0 days | 2,284 sqft |
| 2019-06-01 | 0 days | 2,260 sqft |
| 2019-07-01 | 0 days | 2,236 sqft |
| 2019-08-01 | 0 days | 2,192 sqft |
| 2019-09-01 | 0 days | 2,086 sqft |
| 2019-10-01 | 0 days | 2,006 sqft |
| 2019-11-01 | 0 days | 1,999 sqft |
| 2019-12-01 | 0 days | 1,891 sqft |
| 2020-01-01 | 0 days | 1,942 sqft |
| 2020-02-01 | 0 days | 1,949 sqft |
| 2020-03-01 | 0 days | 2,151 sqft |
| 2020-04-01 | 0 days | 2,042 sqft |
| 2020-05-01 | 0 days | 2,113 sqft |
| 2020-06-01 | 0 days | 2,157 sqft |
| 2020-07-01 | 0 days | 2,131 sqft |
| 2020-08-01 | 0 days | 2,128 sqft |
| 2020-09-01 | 0 days | 2,062 sqft |
| 2020-10-01 | 0 days | 2,060 sqft |
| 2020-11-01 | 0 days | 2,035 sqft |
| 2020-12-01 | 0 days | 2,039 sqft |
| 2021-01-01 | 0 days | 1,800 sqft |
| 2021-02-01 | 0 days | 1,770 sqft |
| 2021-03-01 | 0 days | 2,034 sqft |
| 2021-04-01 | 0 days | 1,828 sqft |
| 2021-05-01 | 0 days | 1,911 sqft |
| 2021-06-01 | 0 days | 1,987 sqft |
| 2021-07-01 | 0 days | 1,850 sqft |
| 2021-08-01 | 0 days | 1,890 sqft |
| 2021-09-01 | 0 days | 2,078 sqft |
| 2021-10-01 | 0 days | 2,188 sqft |
| 2021-11-01 | 0 days | 2,033 sqft |
| 2021-12-01 | 0 days | 2,000 sqft |
| 2022-01-01 | 0 days | 1,964 sqft |
| 2022-02-01 | 0 days | 2,020 sqft |
| 2022-03-01 | 0 days | 2,029 sqft |
| 2022-04-01 | 0 days | 1,979 sqft |
| 2022-05-01 | 0 days | 1,952 sqft |
| 2022-06-01 | 0 days | 2,146 sqft |
| 2022-07-01 | 0 days | 2,124 sqft |
| 2022-08-01 | 0 days | 2,094 sqft |
| 2022-09-01 | 0 days | 2,108 sqft |
| 2022-10-01 | 0 days | 2,019 sqft |
| 2022-11-01 | 0 days | 2,003 sqft |
| 2022-12-01 | 0 days | 2,001 sqft |
| 2023-01-01 | 0 days | 1,973 sqft |
| 2023-02-01 | 0 days | 1,952 sqft |
| 2023-03-01 | 0 days | 1,920 sqft |
| 2023-04-01 | 0 days | 2,060 sqft |
| 2023-05-01 | 0 days | 2,100 sqft |
| 2023-06-01 | 0 days | 2,061 sqft |
| 2023-07-01 | 0 days | 2,070 sqft |
| 2023-08-01 | 0 days | 2,047 sqft |
| 2023-09-01 | 0 days | 2,086 sqft |
| 2023-10-01 | 0 days | 2,072 sqft |
| 2023-11-01 | 0 days | 2,028 sqft |
| 2023-12-01 | 0 days | 2,006 sqft |
| 2024-01-01 | 0 days | 1,971 sqft |
| 2024-02-01 | 0 days | 1,965 sqft |
| 2024-03-01 | 0 days | 2,046 sqft |
| 2024-04-01 | 0 days | 2,047 sqft |
| 2024-05-01 | 0 days | 2,015 sqft |
| 2024-06-01 | 0 days | 1,995 sqft |
| 2024-07-01 | 0 days | 1,945 sqft |
| 2024-08-01 | 0 days | 1,904 sqft |
| 2024-09-01 | 0 days | 1,905 sqft |
| 2024-10-01 | 0 days | 1,907 sqft |
| 2024-11-01 | 0 days | 1,838 sqft |
| 2024-12-01 | 0 days | 1,825 sqft |
| 2025-01-01 | 0 days | 1,826 sqft |
| 2025-02-01 | 0 days | 1,877 sqft |
| 2025-03-01 | 0 days | 1,887 sqft |
| 2025-04-01 | 0 days | 1,846 sqft |
| 2025-05-01 | 0 days | 1,828 sqft |
Tullahoma - Manchester's median listing age (time on market) for 2025-05-01 was 0 days.
Tullahoma - Manchester's median square footage for active listings during the 2025-05-01 period was 1,828 sqft. One year prior, the average listing was 2,015 sqft.
Tullahoma - Manchester's median square footage for active listings during the 2025-05-01 period was 1,828 sqft. One year prior, the average listing was 2,015 sqft.
Tullahoma-Manchester, TN Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,297 | $396,545,000 | $305,740 |
| Cash Out Refi | 492 | $96,780,000 | $196,707 |
| Refi | 319 | $87,275,000 | $273,589 |
| Other | 241 | $32,495,000 | $134,834 |
| Home Improvement | 157 | $12,545,000 | $79,904 |
Tullahoma - Manchester's most frequently cited loan purpose was Home Purchase, with 1,297 originations. The 2nd most popular reason was Cash Out Refi, with 492 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,074 | $299,860,000 | $279,199 |
| Over 8% | 501 | $70,005,000 | $139,731 |
| 7-8% | 432 | $120,250,000 | $278,356 |
| 5-6% | 393 | $114,175,000 | $290,522 |
| 4-5% | 33 | $9,195,000 | $278,636 |
| <2.5% | 7 | $35,000 | $5,000 |
| 2.5-3% | 1 | $125,000 | $125,000 |
During 2024, Tullahoma - Manchester's most frequently originated rate bucket was 6-7%, with 1,074 originations.
Loan Sizing (Tullahoma-Manchester, TN MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,045 | $293,155,000 | $280,531 |
| $100k-200k | 583 | $89,345,000 | $153,250 |
| $100,000 or less | 545 | $27,795,000 | $51,000 |
| $400k-600k | 223 | $105,335,000 | $472,354 |
| $600k-1000k | 85 | $60,895,000 | $716,412 |
| $Over $1MM | 25 | $49,115,000 | $1,964,600 |
Tullahoma - Manchester's loan sizing saw the bucket of loans from $200k-400k with 1,045 originations, totaling $293,155,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 990 | $306,700,000 | $309,798 |
| 60-80% | 499 | $170,915,000 | $342,515 |
| Under 20% | 337 | $17,045,000 | $50,579 |
| 20-40% | 270 | $32,250,000 | $119,444 |
| 40-60% | 258 | $58,790,000 | $227,868 |
| Over 100% | 37 | $12,605,000 | $340,676 |
Tullahoma - Manchester's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 990 originations, totaling $306,700,000 in origination value.