Athens VA Loan Rates, Closing Costs & Stats
Athens, OH
A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.
The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.
For additional benefits of VA loans, click here.
Athens's 13 lenders originated 29 VA loans during 2023. The total origination value was $6,895,000, with an average VA loan value of $237,759.
Athens VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Athens
averaged
0.46%
for the week of 2024-11-29, compared to the national average (all VA variants) of
0% for the same period.
Athens's average VA mortgage closing costs are $4,872.
The average rate for the prior week (2024-11-22) was
6.53% and
one month ago for the week of 2024-10-25, the
average rate was 6.32%.
The average rate one year ago was 7.17%.
For refis of the same type during the week of 2024-11-29, the average rate
was 0.2%.
Athens VA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Athens level.
Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
---|---|---|---|
Mortgage Research Center, LLC | 12 | 6.84% | $4,109 |
QUICKEN LOANS, LLC | 3 | 6.29% | $6,566 |
UNION HOME MORTGAGE CORP. | 3 | 7.33% | $7,856 |
FREEDOM MORTGAGE CORPORATION | 2 | 6.25% | $6,573 |
EQUITY RESOURCES, INC. | 1 | 5.75% | $8,105 |
POLARIS HOME FUNDING CORP. | 1 | 7.25% | $7,177 |
RAPID MORTGAGE COMPANY | 1 | 6.63% | $4,743 |
RUOFF MORTGAGE COMPANY, INC. | 1 | 6.00% | $20,438 |
T2 FINANCIAL LLC | 1 | 7.13% | $14,644 |
PENNYMAC LOAN SERVICES, LLC | 1 | 7.13% | $7,456 |
Flagstar Bank, FSB | 1 | 7.25% | $7,177 |
MOVEMENT MORTGAGE, LLC | 1 | 5.50% | $18,878 |
NEWREZ LLC | 1 | 6.63% | $16,641 |
The top Athens VA lender as defined by loan originations is Mortgage Research Center, LLC, with
12 VA loans originated. Their average total fees are
$4,109, which is $2,457
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Athens VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC ($4,109), .
The lowest rate Athens VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC (6.84%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Athens (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $165,000 (24.6%) | $186,377 (0.2%) | 0.00 | 150 |
2018-02-01 | $180,425 (27.3%) | $192,650 (-0.7%) | 0.00 | 154 |
2018-03-01 | $173,450 (2.1%) | $193,758 (-9.6%) | 0.00 | 184 |
2018-04-01 | $184,050 (8.9%) | $204,628 (-3.0%) | 0.00 | 189 |
2018-05-01 | $195,000 (17.1%) | $210,181 (-0.3%) | 0.00 | 188 |
2018-06-01 | $189,500 (11.4%) | $213,470 (-0.6%) | 0.00 | 205 |
2018-07-01 | $192,425 (4.3%) | $214,907 (-0.1%) | 0.00 | 199 |
2018-08-01 | $184,450 (7.0%) | $213,942 (6.8%) | 0.00 | 189 |
2018-09-01 | $179,900 (5.9%) | $212,826 (9.7%) | 0.00 | 175 |
2018-10-01 | $165,000 (-5.7%) | $207,516 (6.5%) | 0.00 | 180 |
2018-11-01 | $178,650 (3.4%) | $216,215 (10.1%) | 0.00 | 170 |
2018-12-01 | $179,900 (2.8%) | $214,613 (10.7%) | 0.00 | 158 |
2019-01-01 | $184,450 (11.8%) | $214,352 (15.0%) | 0.00 | 146 |
2019-02-01 | $179,900 (-0.3%) | $210,500 (9.3%) | 0.00 | 155 |
2019-03-01 | $175,614 (1.3%) | $206,894 (6.8%) | 0.00 | 175 |
2019-04-01 | $169,900 (-7.7%) | $203,220 (-0.7%) | 0.00 | 195 |
2019-05-01 | $171,069 (-12.3%) | $206,322 (-1.8%) | 0.00 | 194 |
2019-06-01 | $167,000 (-11.9%) | $201,039 (-5.8%) | 0.00 | 206 |
2019-07-01 | $162,250 (-15.7%) | $194,228 (-9.6%) | 0.00 | 208 |
2019-08-01 | $162,818 (-11.7%) | $194,364 (-9.2%) | 0.00 | 210 |
2019-09-01 | $166,295 (-7.6%) | $196,337 (-7.8%) | 0.00 | 208 |
2019-10-01 | $168,614 (2.2%) | $196,852 (-5.1%) | 0.00 | 200 |
2019-11-01 | $175,000 (-2.0%) | $199,233 (-7.9%) | 0.00 | 181 |
2019-12-01 | $169,000 (-6.1%) | $197,159 (-8.1%) | 0.00 | 160 |
2020-01-01 | $166,500 (-9.7%) | $197,955 (-7.7%) | 0.00 | 142 |
2020-02-01 | $165,000 (-8.3%) | $204,240 (-3.0%) | 0.00 | 150 |
2020-03-01 | $189,450 (7.9%) | $212,981 (2.9%) | 0.00 | 168 |
2020-04-01 | $189,675 (11.6%) | $211,349 (4.0%) | 0.00 | 168 |
2020-05-01 | $196,250 (14.7%) | $218,290 (5.8%) | 0.00 | 156 |
2020-06-01 | $198,875 (19.1%) | $215,962 (7.4%) | 0.00 | 150 |
2020-07-01 | $192,475 (18.6%) | $207,211 (6.7%) | 0.00 | 146 |
2020-08-01 | $190,500 (17.0%) | $208,785 (7.4%) | 0.00 | 136 |
2020-09-01 | $184,675 (11.1%) | $210,651 (7.3%) | 0.00 | 137 |
2020-10-01 | $185,000 (9.7%) | $198,848 (1.0%) | 0.00 | 129 |
2020-11-01 | $179,375 (2.5%) | $199,763 (0.3%) | 0.00 | 114 |
2020-12-01 | $161,250 (-4.6%) | $189,162 (-4.1%) | 0.00 | 99 |
2021-01-01 | $163,750 (-1.7%) | $185,662 (-6.2%) | 0.00 | 87 |
2021-02-01 | $157,725 (-4.4%) | $177,720 (-13.0%) | 0.00 | 84 |
2021-03-01 | $152,925 (-19.3%) | $184,114 (-13.6%) | 0.00 | 94 |
2021-04-01 | $152,725 (-19.5%) | $191,272 (-9.5%) | 0.00 | 100 |
2021-05-01 | $179,450 (-8.6%) | $212,551 (-2.6%) | 0.00 | 98 |
2021-06-01 | $183,700 (-7.6%) | $213,893 (-1.0%) | 0.00 | 112 |
2021-07-01 | $179,000 (-7.0%) | $215,079 (3.8%) | 0.00 | 103 |
2021-08-01 | $187,000 (-1.8%) | $217,721 (4.3%) | 0.00 | 100 |
2021-09-01 | $185,000 (0.2%) | $211,654 (0.5%) | 0.00 | 96 |
2021-10-01 | $189,900 (2.7%) | $205,692 (3.4%) | 0.00 | 85 |
2021-11-01 | $179,500 (0.1%) | $203,218 (1.7%) | 0.00 | 73 |
2021-12-01 | $167,975 (4.2%) | $189,216 (0.0%) | 0.00 | 62 |
2022-01-01 | $168,000 (2.6%) | $187,623 (1.1%) | 0.00 | 54 |
2022-02-01 | $177,500 (12.5%) | $192,192 (8.1%) | 0.00 | 56 |
2022-03-01 | $174,125 (13.9%) | $209,577 (13.8%) | 0.00 | 56 |
2022-04-01 | $180,000 (17.9%) | $230,593 (20.6%) | 0.00 | 71 |
2022-05-01 | $188,625 (5.1%) | $223,851 (5.3%) | 0.00 | 92 |
2022-06-01 | $194,750 (6.0%) | $249,495 (16.6%) | 0.00 | 102 |
2022-07-01 | $209,750 (17.2%) | $258,105 (20.0%) | 0.00 | 108 |
2022-08-01 | $182,225 (-2.6%) | $228,008 (4.7%) | 0.00 | 104 |
2022-09-01 | $188,000 (1.6%) | $217,301 (2.7%) | 0.00 | 110 |
2022-10-01 | $194,500 (2.4%) | $234,202 (13.9%) | 0.00 | 112 |
2022-11-01 | $199,950 (11.4%) | $240,452 (18.3%) | 0.00 | 99 |
2022-12-01 | $194,900 (16.0%) | $243,252 (28.6%) | 0.00 | 95 |
2023-01-01 | $193,475 (15.2%) | $245,832 (31.0%) | 0.00 | 80 |
2023-02-01 | $218,475 (23.1%) | $254,237 (32.3%) | 0.00 | 84 |
2023-03-01 | $192,400 (10.5%) | $236,576 (12.9%) | 0.00 | 95 |
2023-04-01 | $225,000 (25.0%) | $263,671 (14.3%) | 0.00 | 71 |
2023-05-01 | $191,500 (1.5%) | $239,849 (7.2%) | 0.00 | 61 |
2023-06-01 | $199,925 (2.7%) | $267,818 (7.3%) | 0.00 | 48 |
2023-07-01 | $205,000 (-2.3%) | $274,335 (6.3%) | 0.00 | 48 |
2023-08-01 | $222,450 (22.1%) | $301,444 (32.2%) | 0.00 | 51 |
2023-09-01 | $209,900 (11.7%) | $276,472 (27.2%) | 0.00 | 53 |
2023-10-01 | $203,725 (4.7%) | $263,719 (12.6%) | 0.00 | 63 |
2023-11-01 | $235,000 (17.5%) | $258,662 (7.6%) | 0.00 | 68 |
2023-12-01 | $247,200 (26.8%) | $282,497 (16.1%) | 0.00 | 66 |
2024-01-01 | $225,675 (16.6%) | $273,162 (11.1%) | 0.00 | 59 |
2024-02-01 | $224,000 (2.5%) | $270,186 (6.3%) | 0.00 | 60 |
2024-03-01 | $256,750 (33.5%) | $288,806 (22.1%) | 0.00 | 52 |
2024-04-01 | $258,125 (14.7%) | $290,671 (10.2%) | 0.00 | 50 |
2024-05-01 | $259,000 (35.3%) | $300,724 (25.4%) | 0.00 | 53 |
2024-06-01 | $254,000 (27.1%) | $295,969 (10.5%) | 0.00 | 69 |
2024-07-01 | $234,200 (14.2%) | $280,491 (2.2%) | 0.00 | 73 |
2024-08-01 | $249,000 (11.9%) | $293,660 (-2.6%) | 0.00 | 82 |
2024-09-01 | $267,000 (27.2%) | $305,815 (10.6%) | 0.00 | 86 |
2024-10-01 | $259,675 (27.5%) | $313,711 (19.0%) | 0.00 | 88 |
Athens's median listing price comes in at 0% of the national average.
Athens's average listing price for 2024-10-01 was $313,711, a difference of $49,992 (19.0%) versus the prior year and $7,896 versus the prior month.
For the 2024-10-01 period, Athens had 88 MLS listings, a difference of 2 listings (2%) versus the prior month and 25 listings (40%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Athens (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,844 sqft |
2018-02-01 | 0 days | 1,901 sqft |
2018-03-01 | 0 days | 1,788 sqft |
2018-04-01 | 0 days | 1,818 sqft |
2018-05-01 | 0 days | 1,895 sqft |
2018-06-01 | 0 days | 1,960 sqft |
2018-07-01 | 0 days | 1,889 sqft |
2018-08-01 | 0 days | 1,853 sqft |
2018-09-01 | 0 days | 1,817 sqft |
2018-10-01 | 0 days | 1,800 sqft |
2018-11-01 | 0 days | 1,774 sqft |
2018-12-01 | 0 days | 1,739 sqft |
2019-01-01 | 0 days | 1,718 sqft |
2019-02-01 | 0 days | 1,680 sqft |
2019-03-01 | 0 days | 1,701 sqft |
2019-04-01 | 0 days | 1,727 sqft |
2019-05-01 | 0 days | 1,728 sqft |
2019-06-01 | 0 days | 1,722 sqft |
2019-07-01 | 0 days | 1,709 sqft |
2019-08-01 | 0 days | 1,717 sqft |
2019-09-01 | 0 days | 1,723 sqft |
2019-10-01 | 0 days | 1,734 sqft |
2019-11-01 | 0 days | 1,760 sqft |
2019-12-01 | 0 days | 1,736 sqft |
2020-01-01 | 0 days | 1,698 sqft |
2020-02-01 | 0 days | 1,672 sqft |
2020-03-01 | 0 days | 1,779 sqft |
2020-04-01 | 0 days | 1,773 sqft |
2020-05-01 | 0 days | 1,780 sqft |
2020-06-01 | 0 days | 1,789 sqft |
2020-07-01 | 0 days | 1,731 sqft |
2020-08-01 | 0 days | 1,696 sqft |
2020-09-01 | 0 days | 1,683 sqft |
2020-10-01 | 0 days | 1,689 sqft |
2020-11-01 | 0 days | 1,682 sqft |
2020-12-01 | 0 days | 1,593 sqft |
2021-01-01 | 0 days | 1,560 sqft |
2021-02-01 | 0 days | 1,442 sqft |
2021-03-01 | 0 days | 1,503 sqft |
2021-04-01 | 0 days | 1,506 sqft |
2021-05-01 | 0 days | 1,610 sqft |
2021-06-01 | 0 days | 1,628 sqft |
2021-07-01 | 0 days | 1,616 sqft |
2021-08-01 | 0 days | 1,660 sqft |
2021-09-01 | 0 days | 1,648 sqft |
2021-10-01 | 0 days | 1,632 sqft |
2021-11-01 | 0 days | 1,560 sqft |
2021-12-01 | 0 days | 1,369 sqft |
2022-01-01 | 0 days | 1,355 sqft |
2022-02-01 | 0 days | 1,364 sqft |
2022-03-01 | 0 days | 1,476 sqft |
2022-04-01 | 0 days | 1,568 sqft |
2022-05-01 | 0 days | 1,415 sqft |
2022-06-01 | 0 days | 1,456 sqft |
2022-07-01 | 0 days | 1,640 sqft |
2022-08-01 | 0 days | 1,630 sqft |
2022-09-01 | 0 days | 1,494 sqft |
2022-10-01 | 0 days | 1,640 sqft |
2022-11-01 | 0 days | 1,694 sqft |
2022-12-01 | 0 days | 1,715 sqft |
2023-01-01 | 0 days | 1,692 sqft |
2023-02-01 | 0 days | 1,670 sqft |
2023-03-01 | 0 days | 1,640 sqft |
2023-04-01 | 0 days | 1,640 sqft |
2023-05-01 | 0 days | 1,519 sqft |
2023-06-01 | 0 days | 1,518 sqft |
2023-07-01 | 0 days | 1,750 sqft |
2023-08-01 | 0 days | 1,750 sqft |
2023-09-01 | 0 days | 1,680 sqft |
2023-10-01 | 0 days | 1,660 sqft |
2023-11-01 | 0 days | 1,677 sqft |
2023-12-01 | 0 days | 1,658 sqft |
2024-01-01 | 0 days | 1,620 sqft |
2024-02-01 | 0 days | 1,660 sqft |
2024-03-01 | 0 days | 1,659 sqft |
2024-04-01 | 0 days | 1,663 sqft |
2024-05-01 | 0 days | 1,729 sqft |
2024-06-01 | 0 days | 1,671 sqft |
2024-07-01 | 0 days | 1,661 sqft |
2024-08-01 | 0 days | 1,738 sqft |
2024-09-01 | 0 days | 1,692 sqft |
2024-10-01 | 0 days | 1,623 sqft |
Athens's median square footage for active listings during the 2024-10-01 period was 1,623 sqft. One year prior, the average listing was 1,660 sqft.