Athens VA Loan Rates, Closing Costs & Stats

Athens, TN

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    • 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 46 lenders originated 157 VA loans during 2024. The total origination value was $47,175,000, with an average VA loan value of $300,478.

    Athens VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Athens averaged 6.82% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Athens's average VA mortgage closing costs are $5,880.

    The average rate for the prior week (2025-05-16) was 6.81% and one month ago for the week of 2025-04-18, the average rate was 6.68%.

    The average rate one year ago was 7.1%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.39%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 27 6.34% $5,442
    UNITED WHOLESALE MORTGAGE, LLC 23 6.06% $7,509
    FREEDOM MORTGAGE CORPORATION 9 6.04% $6,703
    PENNYMAC LOAN SERVICES, LLC 9 5.61% $8,627
    VILLAGE CAPITAL MORTGAGE 6 5.73% $5,358
    QUICKEN LOANS, LLC 6 5.98% $7,447
    MORTGAGE INVESTORS GROUP, INC. 5 6.12% $5,397
    DHI MORTGAGE COMPANY, LTD. 5 6.25% $6,700
    NEWREZ LLC 4 6.59% $10,295
    NAVY FEDERAL CREDIT UNION 4 5.88% $7,514
    CMG MORTGAGE, INC. 4 7.19% $8,651
    NEW DAY FINANCIAL, LLC 4 7.74% $12,190
    Carrington Mortgage Services, LLC 2 5.81% $10,146
    Simmons Bank 2 6.88% $9,010
    BROKER SOLUTIONS, INC. 2 6.75% $9,197
    1ST SIGNATURE LENDING, LLC 2 6.56% $8,477
    LAKEVIEW LOAN SERVICING, LLC 2 6.13% $4,515
    MOVEMENT MORTGAGE, LLC 2 6.25% $5,090
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.94% $19,476
    AMERICAN FINANCIAL RESOURCES, INC. 2 6.25% $3,084
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.75% $1,065
    STOCKTON MORTGAGE CORPORATION 1 6.25% $6,179
    TOWNE MORTGAGE COMPANY 1 6.75% $4,371
    UNION HOME MORTGAGE CORP. 1 7.13% $9,936
    USAA Federal Savings Bank 1 6.50% $3,716
    TJC Mortgage, Inc. 1 6.13% $9,219
    ALLIANT CREDIT UNION 1 5.88% $3,921
    AmeriHome Mortgage Company, LLC 1 7.13% $8,681
    AMERISAVE MORTGAGE CORPORATION 1 5.38% $28,049
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.50% $6,355
    BancorpSouth 1 6.50% $14,277
    Barrington Bank & Trust Company, N.A. 1 5.75% $3,890
    Century Mortgage Company DBA Century Lending Company 1 6.63% $6,020
    CLEARPATH LENDING 1 5.88% $10,624
    DIRECT LENDERS, LLC 1 4.99% $10,567
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.49% $650
    Gateway First Bank 1 7.25% $3,039
    GUARANTEED RATE, INC. 1 5.75% $0
    HOMESTEAD FUNDING CORP. 1 6.00% $2,296
    LOANDEPOT.COM, LLC 1 4.99% $20,002
    Magnolia Bank 1 6.25% $9,635
    Mr. Cooper ( Nationstar Mortgage ) 1 7.75% $7,743
    Paramount Residential Mortgage Group, Inc. 1 7.25% $21,810
    PHH Mortgage Corporation 1 5.99% $31,954
    PLANET HOME LENDING, LLC 1 5.75% $3,776
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.50% $657

    The top Athens VA lender as defined by loan originations is Mortgage Research Center, LLC, with 27 VA loans originated. Their average total fees are $5,442, which is $2,067 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Athens VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,442), UNITED WHOLESALE MORTGAGE, LLC ($7,509), .

    The lowest rate Athens VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.06%), Mortgage Research Center, LLC (6.34%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Athens (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 $149,125 (0.9%) $213,987 (9.9%) 0.00 242
    2018-02-01 $150,875 (1.0%) $222,578 (11.0%) 0.00 223
    2018-03-01 $159,400 (2.9%) $227,378 (9.3%) 0.00 227
    2018-04-01 $164,800 (9.9%) $232,086 (14.4%) 0.00 241
    2018-05-01 $179,650 (15.2%) $243,246 (18.3%) 0.00 256
    2018-06-01 $174,950 (7.4%) $236,760 (12.7%) 0.00 282
    2018-07-01 $175,700 (9.1%) $238,949 (15.7%) 0.00 281
    2018-08-01 $187,000 (17.8%) $238,239 (14.6%) 0.00 297
    2018-09-01 $182,500 (14.1%) $239,496 (13.5%) 0.00 289
    2018-10-01 $186,750 (21.2%) $245,408 (19.6%) 0.00 287
    2018-11-01 $172,450 (15.7%) $239,173 (21.9%) 0.00 282
    2018-12-01 $169,900 (17.2%) $223,537 (4.8%) 0.00 264
    2019-01-01 $169,900 (13.9%) $220,873 (3.2%) 0.00 261
    2019-02-01 $179,175 (18.8%) $225,411 (1.3%) 0.00 256
    2019-03-01 $186,329 (16.9%) $227,554 (0.1%) 0.00 237
    2019-04-01 $197,400 (19.8%) $235,998 (1.7%) 0.00 230
    2019-05-01 $217,000 (20.8%) $246,339 (1.3%) 0.00 243
    2019-06-01 $224,950 (28.6%) $249,170 (5.2%) 0.00 240
    2019-07-01 $204,725 (16.5%) $240,314 (0.6%) 0.00 242
    2019-08-01 $199,900 (6.9%) $240,929 (1.1%) 0.00 237
    2019-09-01 $188,650 (3.4%) $237,349 (-0.9%) 0.00 245
    2019-10-01 $184,700 (-1.1%) $236,885 (-3.5%) 0.00 244
    2019-11-01 $169,900 (-1.5%) $234,147 (-2.1%) 0.00 231
    2019-12-01 $175,675 (3.4%) $231,178 (3.4%) 0.00 215
    2020-01-01 $178,175 (4.9%) $233,092 (5.5%) 0.00 208
    2020-02-01 $189,900 (6.0%) $250,702 (11.2%) 0.00 193
    2020-03-01 $198,400 (6.5%) $255,397 (12.2%) 0.00 168
    2020-04-01 $184,950 (-6.3%) $250,972 (6.4%) 0.00 158
    2020-05-01 $229,950 (6.0%) $273,109 (10.9%) 0.00 138
    2020-06-01 $229,900 (2.2%) $281,268 (12.9%) 0.00 127
    2020-07-01 $218,550 (6.8%) $258,251 (7.5%) 0.00 124
    2020-08-01 $219,900 (10.0%) $266,786 (10.7%) 0.00 115
    2020-09-01 $219,900 (16.6%) $287,358 (21.1%) 0.00 99
    2020-10-01 $220,750 (19.5%) $269,858 (13.9%) 0.00 101
    2020-11-01 $214,950 (26.5%) $273,542 (16.8%) 0.00 102
    2020-12-01 $196,500 (11.9%) $268,032 (15.9%) 0.00 94
    2021-01-01 $190,000 (6.6%) $286,260 (22.8%) 0.00 73
    2021-02-01 $236,197 (24.4%) $309,330 (23.4%) 0.00 62
    2021-03-01 $256,175 (29.1%) $330,492 (29.4%) 0.00 57
    2021-04-01 $272,400 (47.3%) $358,077 (42.7%) 0.00 52
    2021-05-01 $287,500 (25.0%) $403,574 (47.8%) 0.00 76
    2021-06-01 $266,175 (15.8%) $391,185 (39.1%) 0.00 94
    2021-07-01 $279,900 (28.1%) $430,029 (66.5%) 0.00 101
    2021-08-01 $249,925 (13.7%) $391,090 (46.6%) 0.00 109
    2021-09-01 $250,700 (14.0%) $396,811 (38.1%) 0.00 112
    2021-10-01 $259,900 (17.7%) $406,626 (50.7%) 0.00 98
    2021-11-01 $257,300 (19.7%) $381,959 (39.6%) 0.00 82
    2021-12-01 $282,175 (43.6%) $404,444 (50.9%) 0.00 85
    2022-01-01 $319,900 (68.4%) $427,234 (49.3%) 0.00 73
    2022-02-01 $326,323 (38.2%) $442,525 (43.1%) 0.00 74
    2022-03-01 $324,975 (26.9%) $470,311 (42.3%) 0.00 75
    2022-04-01 $320,000 (17.5%) $418,265 (16.8%) 0.00 84
    2022-05-01 $327,000 (13.7%) $424,153 (5.1%) 0.00 105
    2022-06-01 $322,475 (21.2%) $414,897 (6.1%) 0.00 118
    2022-07-01 $311,500 (11.3%) $403,250 (-6.2%) 0.00 160
    2022-08-01 $337,425 (35.0%) $414,681 (6.0%) 0.00 157
    2022-09-01 $345,999 (38.0%) $452,105 (13.9%) 0.00 162
    2022-10-01 $344,645 (32.6%) $457,314 (12.5%) 0.00 172
    2022-11-01 $336,564 (30.8%) $442,300 (15.8%) 0.00 192
    2022-12-01 $336,500 (19.3%) $464,095 (14.8%) 0.00 181
    2023-01-01 $344,810 (7.8%) $484,938 (13.5%) 0.00 142
    2023-02-01 $344,998 (5.7%) $446,468 (0.9%) 0.00 128
    2023-03-01 $345,245 (6.2%) $447,546 (-4.8%) 0.00 119
    2023-04-01 $349,900 (9.3%) $486,966 (16.4%) 0.00 107
    2023-05-01 $323,750 (-1.0%) $437,123 (3.1%) 0.00 149
    2023-06-01 $345,088 (7.0%) $455,470 (9.8%) 0.00 152
    2023-07-01 $325,000 (4.3%) $451,995 (12.1%) 0.00 157
    2023-08-01 $362,500 (7.4%) $481,706 (16.2%) 0.00 171
    2023-09-01 $349,000 (0.9%) $468,849 (3.7%) 0.00 181
    2023-10-01 $345,778 (0.3%) $445,046 (-2.7%) 0.00 195
    2023-11-01 $336,000 (-0.2%) $426,986 (-3.5%) 0.00 208
    2023-12-01 $325,000 (-3.4%) $446,064 (-3.9%) 0.00 205
    2024-01-01 $338,100 (-2.0%) $437,804 (-9.7%) 0.00 184
    2024-02-01 $364,750 (5.7%) $466,105 (4.4%) 0.00 178
    2024-03-01 $379,900 (10.0%) $470,983 (5.2%) 0.00 172
    2024-04-01 $333,450 (-4.7%) $436,156 (-10.4%) 0.00 163
    2024-05-01 $325,450 (0.5%) $424,761 (-2.8%) 0.00 189
    2024-06-01 $325,000 (-5.8%) $425,342 (-6.6%) 0.00 218
    2024-07-01 $327,000 (0.6%) $423,638 (-6.3%) 0.00 230
    2024-08-01 $331,900 (-8.4%) $437,604 (-9.2%) 0.00 226
    2024-09-01 $327,450 (-6.2%) $414,651 (-11.6%) 0.00 241
    2024-10-01 $325,000 (-6.0%) $405,911 (-8.8%) 0.00 260
    2024-11-01 $325,000 (-3.3%) $429,150 (0.5%) 0.00 258
    2024-12-01 $324,950 (0.0%) $436,844 (-2.1%) 0.00 250
    2025-01-01 $322,225 (-4.7%) $435,862 (-0.4%) 0.00 241
    2025-02-01 $319,950 (-12.3%) $433,553 (-7.0%) 0.00 237
    2025-03-01 $328,900 (-13.4%) $448,912 (-4.7%) 0.00 236
    2025-04-01 $328,925 (-1.4%) $449,850 (3.1%) 0.00 245
    Athens's median listing price for 2025-04-01 was $328,925, a difference of $-4,525 (-1.4%) versus the prior year and $25 versus the prior month.

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

    Athens's average listing price for 2025-04-01 was $449,850, a difference of $13,694 (3.1%) versus the prior year and $938 versus the prior month.

    For the 2025-04-01 period, Athens had 245 MLS listings, a difference of 9 listings (4%) versus the prior month and 82 listings (50%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Athens (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,617 sqft
    2018-02-01 0 days 1,675 sqft
    2018-03-01 0 days 1,751 sqft
    2018-04-01 0 days 1,778 sqft
    2018-05-01 0 days 1,809 sqft
    2018-06-01 0 days 1,816 sqft
    2018-07-01 0 days 1,856 sqft
    2018-08-01 0 days 1,867 sqft
    2018-09-01 0 days 1,828 sqft
    2018-10-01 0 days 1,863 sqft
    2018-11-01 0 days 1,816 sqft
    2018-12-01 0 days 1,784 sqft
    2019-01-01 0 days 1,763 sqft
    2019-02-01 0 days 1,773 sqft
    2019-03-01 0 days 1,801 sqft
    2019-04-01 0 days 1,822 sqft
    2019-05-01 0 days 1,902 sqft
    2019-06-01 0 days 1,932 sqft
    2019-07-01 0 days 1,897 sqft
    2019-08-01 0 days 1,869 sqft
    2019-09-01 0 days 1,830 sqft
    2019-10-01 0 days 1,819 sqft
    2019-11-01 0 days 1,695 sqft
    2019-12-01 0 days 1,602 sqft
    2020-01-01 0 days 1,665 sqft
    2020-02-01 0 days 1,829 sqft
    2020-03-01 0 days 1,837 sqft
    2020-04-01 0 days 1,829 sqft
    2020-05-01 0 days 1,877 sqft
    2020-06-01 0 days 1,959 sqft
    2020-07-01 0 days 1,922 sqft
    2020-08-01 0 days 1,998 sqft
    2020-09-01 0 days 2,044 sqft
    2020-10-01 0 days 2,074 sqft
    2020-11-01 0 days 1,934 sqft
    2020-12-01 0 days 1,832 sqft
    2021-01-01 0 days 1,800 sqft
    2021-02-01 0 days 1,870 sqft
    2021-03-01 0 days 1,884 sqft
    2021-04-01 0 days 1,849 sqft
    2021-05-01 0 days 1,920 sqft
    2021-06-01 0 days 1,845 sqft
    2021-07-01 0 days 2,007 sqft
    2021-08-01 0 days 1,966 sqft
    2021-09-01 0 days 1,890 sqft
    2021-10-01 0 days 1,842 sqft
    2021-11-01 0 days 1,904 sqft
    2021-12-01 0 days 1,895 sqft
    2022-01-01 0 days 1,908 sqft
    2022-02-01 0 days 1,965 sqft
    2022-03-01 0 days 1,898 sqft
    2022-04-01 0 days 1,927 sqft
    2022-05-01 0 days 1,916 sqft
    2022-06-01 0 days 1,840 sqft
    2022-07-01 0 days 1,778 sqft
    2022-08-01 0 days 1,872 sqft
    2022-09-01 0 days 1,900 sqft
    2022-10-01 0 days 1,949 sqft
    2022-11-01 0 days 1,999 sqft
    2022-12-01 0 days 1,991 sqft
    2023-01-01 0 days 2,072 sqft
    2023-02-01 0 days 2,049 sqft
    2023-03-01 0 days 2,047 sqft
    2023-04-01 0 days 1,991 sqft
    2023-05-01 0 days 1,965 sqft
    2023-06-01 0 days 1,963 sqft
    2023-07-01 0 days 1,900 sqft
    2023-08-01 0 days 1,848 sqft
    2023-09-01 0 days 1,819 sqft
    2023-10-01 0 days 1,736 sqft
    2023-11-01 0 days 1,699 sqft
    2023-12-01 0 days 1,698 sqft
    2024-01-01 0 days 1,712 sqft
    2024-02-01 0 days 1,743 sqft
    2024-03-01 0 days 1,809 sqft
    2024-04-01 0 days 1,680 sqft
    2024-05-01 0 days 1,680 sqft
    2024-06-01 0 days 1,643 sqft
    2024-07-01 0 days 1,612 sqft
    2024-08-01 0 days 1,758 sqft
    2024-09-01 0 days 1,696 sqft
    2024-10-01 0 days 1,644 sqft
    2024-11-01 0 days 1,675 sqft
    2024-12-01 0 days 1,650 sqft
    2025-01-01 0 days 1,662 sqft
    2025-02-01 0 days 1,749 sqft
    2025-03-01 0 days 1,800 sqft
    2025-04-01 0 days 1,767 sqft
    Athens's median listing age (time on market) for 2025-04-01 was 0 days.

    Athens's median square footage for active listings during the 2025-04-01 period was 1,767 sqft. One year prior, the average listing was 1,680 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.