ATHENS - CLARKE COUNTY Mortgage Rates

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

30 Year Fixed Rate mortgages in Athens - Clarke County averaged 5.27% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.54% and one month ago for the week of 2022-04-07, the average rate was 4.79%.

Athens - Clarke County's average rate one year ago was 3.15%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.21%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Athens - Clarke County 30 Year Fixed Rate 2022-05-12 5.27%
Athens - Clarke County 30 Year Fixed Rate Refi 2022-05-12 5.21%
Athens - Clarke County 15 Year Fixed Rate 2022-05-12 4.91%
Athens - Clarke County 15 Year Fixed Rate Refi 2022-05-12 4.81%
Athens - Clarke County 30 Year FHA 2022-05-12 5.57%
Athens - Clarke County 30 Year FHA Refi 2022-05-12 5.59%
Athens - Clarke County 30 Year USDA 2022-05-12 5.12%
Athens - Clarke County 30 Year USDA Refi 2022-05-12 4.89%
Athens - Clarke County 30 Year VA 2022-05-12 5.67%
Athens - Clarke County 30 Year VA Refi 2022-05-12 5.07%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ATHENS-CLARKE COUNTY, GA.

ATHENS - CLARKE COUNTY 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 ATHENS-CLARKE COUNTY, GA 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
QUICKEN LOANS, LLC 361 3.07% $4,915
First American Bank and Trust Company 270 2.88% $3,606
Regions Bank 226 2.93% $5,144
Bank of England 194 3.07% $3,953
MOVEMENT MORTGAGE, LLC 191 3.14% $3,735
BANKSOUTH MORTGAGE COMPANY, LLC 169 3.08% $5,071
GUARANTEED RATE, INC. 169 3.13% $4,602
Synovus Bank 139 3.03% $5,460
Ameris Bank 139 3.09% $4,106
UNITED WHOLESALE MORTGAGE, LLC 130 3.02% $4,854
HOMESTAR FINANCIAL CORPORATION 130 3.19% $3,596
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 116 3.08% $3,639
Magnolia Bank 110 2.92% $6,730
Wells Fargo Bank 80 3.11% $3,219
BETTER MORTGAGE CORPORATION 63 2.87% $3,621
Truist Bank 56 2.98% $3,444
LOANDEPOT.COM, LLC 55 3.03% $4,791
AMERISAVE MORTGAGE CORPORATION 54 2.95% $4,090
Capital City Home Loans, LLC 49 3.18% $4,153
GEORGIA UNITED 48 3.11% $4,603
PRIMELENDING, A PLAINSCAPITAL COMPANY 46 3.24% $3,781
First Federal Bank 39 3.09% $5,974
SOUTHEAST MORTGAGE OF GEORGIA, INC. 34 3.55% $6,184
Mr. Cooper ( Nationstar Mortgage ) 31 3.36% $5,170
JPMorgan Chase Bank 30 3.09% $2,594
PENNYMAC LOAN SERVICES, LLC 29 3.20% $5,066
BROKER SOLUTIONS, INC. 27 3.14% $4,443
NexBank 25 2.93% $3,572
HOME POINT FINANCIAL CORPORATION 24 3.01% $4,532
South State Bank 23 3.18% $5,679
ACOPIA, LLC 22 3.14% $4,719
EVERETT FINANCIAL, INC. 22 3.40% $2,467
NEWREZ LLC 20 3.23% $4,066
Bank of America 20 2.89% $3,379
Flagstar Bank, FSB 20 3.37% $4,429
AMERICAN FINANCIAL NETWORK, INC. 18 3.31% $9,491
NAVY FEDERAL CREDIT UNION 18 3.41% $3,233
United Community Bank 17 3.25% $3,718
FREEDOM MORTGAGE CORPORATION 17 3.30% $2,924
PRIMARY RESIDENTIAL MORTGAGE, INC. 16 3.27% $6,120
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 16 3.04% $3,973
CALIBER HOME LOANS, INC. 15 3.11% $4,349
HOMESIDE FINANCIAL, LLC 14 3.11% $4,253
First-Citizens Bank & Trust Company 13 3.11% $3,266
MILEND, INC. 13 3.18% $5,452
Colony Bank 13 3.01% $3,275
Citizens Bank 11 2.91% $4,868
Prosperity Home Mortgage, LLC 11 3.34% $4,437
SHELTER HOME MORTGAGE, LLC 11 3.17% $4,676
Fifth Third Bank 10 2.96% $3,486
ANGEL OAK HOME LOANS LLC 10 3.58% $5,462
ZILLOW HOME LOANS, LLC 10 3.19% $3,968
CROSSCOUNTRY MORTGAGE, LLC 10 3.25% $4,824
InterContinental Capital Group, Inc 10 3.35% $4,459
STOCKTON MORTGAGE CORPORATION 10 3.29% $41,881
PROVIDENT FUNDING ASSOCIATES, L.P. 9 2.75% $2,872
STEARNS LENDING, LLC 9 2.85% $3,767
Mortgage Assurance Inc. 9 3.03% $3,777
Northpointe Bank 9 3.23% $4,345
VANDERBILT MORTGAGE AND FINANCE, INC. 9 3.28% $4,878
SUCCESS MORTGAGE PARTNERS, INC. 9 3.14% $5,029
CALCON MUTUAL MORTGAGE LLC 8 2.84% $3,233
Carrington Mortgage Services, LLC 8 4.00% $5,005
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 8 3.30% $3,202
U.S. Bank 8 3.47% $4,191
PNC Bank 7 3.05% $3,831
ROBINS FINANCIAL 7 3.30% $3,715
HOMEOWNERS FINANCIAL GROUP USA, LLC 7 3.32% $5,208
Equity Prime Mortgage LLC 7 3.38% $6,735
Ally Bank 7 3.00% $4,646
Mortgage Research Center, LLC 6 2.75% $2,515
AMERICAN FINANCING CORPORATION 6 3.10% $3,950
AgFirst Farm Credit Bank 6 3.02% $7,872
CMG MORTGAGE, INC. 6 3.14% $6,377
First Option Mortgage, LLC 6 4.29% $4,344
FIRST COMMUNITY MORTGAGE, INC. 6 3.13% $3,876
AmeriHome Mortgage Company, LLC 6 3.31% $2,904
PEACH STATE FEDERAL CREDIT UNION 6 3.13% $3,033
Nations Lending Corporation 6 3.06% $6,532
First Horizon Bank 6 3.33% $4,175
Assurance Financial Group, L.L.C. 5 3.12% $3,703
Chicago Mortgage Solutions LLC 5 2.82% $2,063
Wyndham Capital Mortgage, Inc. 5 3.30% $1,710
ATLANTA POSTAL 5 3.40% $3,088
FINANCE OF AMERICA MORTGAGE LLC 5 3.28% $3,651
GEORGIA'S OWN 5 3.48% $4,738
CHURCHILL MORTGAGE CORPORATION 5 3.33% $3,718
BAY EQUITY LLC 5 2.98% $5,001
DAS Acquisition Company, LLC 4 3.78% $5,151
FBC MORTGAGE, LLC 4 3.03% $3,670
Renasant Bank 4 3.38% $3,779
PENTAGON FEDERAL CREDIT UNION 4 3.00% $2,706
LAKEVIEW LOAN SERVICING, LLC 4 3.25% $3,693
Cadence Bank, N.A. 4 3.13% $4,343
Morgan Stanley Private Bank 4 2.94% $4,236
Goldwater Bank, N.A. 4 3.19% $5,475
MUTUAL OF OMAHA MORTGAGE, INC. 4 3.22% $5,254
Alcova Mortgage LLC 4 3.22% $4,273
ISERVE RESIDENTIAL LENDING, LLC 3 3.17% $8,428
Paramount Residential Mortgage Group, Inc. 3 3.12% $3,386
Goldman Sachs Bank USA 3 2.88% $3,789
BNC National Bank 3 2.63% $3,362
GUARANTEED RATE AFFINITY, LLC 3 3.21% $4,686
FirstBank 3 2.83% $3,152
GUARANTY HOME MORTGAGE CORPORATION 3 3.42% $4,248
HOMESPIRE MORTGAGE CORPORATION 3 3.17% $5,137
DELTA COMMUNITY CREDIT UNION 3 2.96% $4,216
KELLER MORTGAGE, LLC 3 3.04% $3,476
CERTAINTY HOME LOANS, LLC 3 3.00% $3,426
NBKC BANK 3 2.83% $1,369
SIRVA MORTGAGE, INC. 3 2.96% $628
USAA Federal Savings Bank 3 2.88% $5,122
MORTGAGE INVESTORS GROUP, INC. 2 3.00% $3,271
Advisors Mortgage Group, L.L.C. 2 2.87% $3,256
AMERICAN HOME MORTGAGE, INC. 2 3.06% $2,680
AMERICAN INTERNET MORTGAGE, INC. 2 3.00% $3,219
Baxter Credit Union 2 2.94% $2,780
Cf Bank 2 2.69% $1,385
CREDIT UNION MORTGAGE ASSOCIATION, INC. 2 2.50% $4,152
CRESCENT MORTGAGE COMPANY 2 3.19% $3,589
EMM LOANS LLC 2 3.56% $9,465
First Guaranty Mortgage Corporation 2 3.63% $6,831
Gateway First Bank 2 3.19% $1,922
George Mason Mortgage, LLC 2 2.81% $3,765
GUARANTY MORTGAGE SERVICES, L.L.C. 2 3.69% $4,545
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 3.19% $6,571
JMAC LENDING, INC. 2 2.93% $3,085
LENDUS, LLC 2 3.00% $4,619
LGE COMMUNITY 2 2.48% $2,715
Manufacturers and Traders Trust Company 2 3.13% $3,585
MORIA DEVELOPMENT, INC. 2 3.31% $3,408
NASA Federal Credit Union 2 3.44% $5,556
NMSI, INC. 2 2.81% $6,015
PHH Mortgage Corporation 2 3.31% $5,448
PLANET HOME LENDING, LLC 2 3.19% $4,220
SOFI LENDING CORP. 2 2.88% $3,652
SOVEREIGN LENDING GROUP INCORPORATED 2 3.44% $3,933
STATE EMPLOYEES' 2 3.76% $4,285
The Federal Savings Bank 2 3.81% $6,677
THE MORTGAGE FIRM, INC. 2 2.88% $3,630
TJC Mortgage, Inc. 2 2.88% $5,861
TOP FLITE FINANCIAL, INC. 2 3.13% $10,995
TOWNE MORTGAGE COMPANY 2 3.88% $4,862
United Bank 2 3.06% $3,867
US MORTGAGE CORPORATION 2 3.44% $3,445
Waterstone Mortgage Corporation 2 2.94% $5,067
WRIGHT-PATT CREDIT UNION, INC. 1 3.13% $3,117
NATION ONE MORTGAGE CORPORATION 1 3.25% $4,161
GMFS LLC 1 2.75% $3,595
GENEVA FINANCIAL, LLC 1 3.50% $3,828
First National Bank of Pennsylvania 1 3.13% $4,021
First National Bank of America 1 7.75% $7,735
First Internet Bank of Indiana 1 3.38% $2,725
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.63% $7,038
North American Savings Bank, F.S.B. 1 3.25% $2,414
FIRST HOME MORTGAGE CORPORATION 1 2.88% $8,205
NORWICH COMMERCIAL GROUP, INC. 1 3.00% $5,004
OCMBC, INC. 1 0.00% $0
First Home Bank 1 3.75% $8,981
First Heritage Mortgage, LLC 1 3.13% $3,538
First Federal Bank of Kansas City 1 3.50% $2,738
First Federal Bank, A FSB 1 2.63% $53
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 5.88% $4,392
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.13% $4,777
PLAZA HOME MORTGAGE, INC. 1 2.99% $3,536
Financial Federal Bank 1 2.75% $3,137
PREMIA MORTGAGE, LLC 1 2.75% $3,943
Evolve Bank & Trust 1 3.25% $3,531
EVANSVILLE TEACHERS 1 3.00% $2,550
Elements Financial Federal Credit Union 1 2.88% $2,599
EASTMAN 1 3.50% $3,661
Queensborough National Bank & Trust Company 1 2.50% $0
Discover Bank 1 5.75% $0
RADIUS FINANCIAL GROUP INC. 1 2.75% $3,413
DHI MORTGAGE COMPANY, LTD. 1 3.13% $2,206
Countybank 1 3.38% $2,897
RESIDENTIAL MORTGAGE SERVICES, INC. 1 2.88% $2,379
RESOURCE FINANCIAL SERVICES, INC. 1 3.13% $3,462
Christensen Financial, Inc. 1 3.13% $6,298
RUOFF MORTGAGE COMPANY, INC. 1 2.63% $2,050
S1L, Inc. 1 2.63% $2,768
Sandy Spring Bank 1 4.13% $4,986
SHARONVIEW FEDERAL CREDIT UNION 1 3.75% $5,877
Charles Schwab Bank, SSB 1 3.00% $3,791
Sierra Pacific Mortgage Company, Inc. 1 4.25% $4,849
CELEBRITY HOME LOANS, LLC 1 3.25% $3,960
AMERICAN FEDERAL MORTGAGE CORPORATION 1 2.63% $3,428
CDC Federal Credit Union 1 3.13% $6,040
Capital Bank 1 2.88% $3,112
ADVANCIAL 1 3.38% $19,951
SPRING EQ, LLC 1 4.13% $0
Allied First Bank,sb 1 3.13% $3,609
BNY Mellon 1 2.63% $4,377
Beeline Loans, Inc. 1 2.75% $5,895
BAYSHORE MORTGAGE FUNDING, LLC 1 4.13% $4,052
Sunflower Bank 1 2.62% $3,024
Aurora Financial, LLC 1 2.88% $1,683
THE ANDERSON FINANCIAL GROUP, INC. 1 3.63% $3,469
The Central Trust Bank 1 3.13% $1,771
VAN DYK MORTGAGE CORPORATION 1 3.50% $3,979
Watermark Capital, Inc. 1 2.75% $2,668
Third Federal Savings and Loan Association of Cleveland 1 2.44% $0
A&D Mortgage LLC 1 5.75% $16,980
ALAMEDA MORTGAGE CORPORATION 1 3.50% $5,821
TOTAL MORTGAGE SERVICES, LLC 1 3.50% $11,922
WESTERN EXPRESS LENDING 1 2.75% $2,490
LENDSURE MORTGAGE CORP. 1 5.00% $31,561
Associated Credit Union 1 3.13% $3,573
Level One Bank 1 3.00% $3,542
Trustmark National Bank 1 3.25% $3,095
LEADERONE FINANCIAL CORPORATION 1 3.63% $485
LOANLEADERS OF AMERICA, INC. 1 2.75% $2,986
Luxury Mortgage Corp. 1 2.88% $5,728
Lakeview Community Capital, LLC 1 2.99% $4,878
Tyndall Federal Credit Union 1 3.13% $3,849
Ixonia Bank 1 3.00% $1,534
IVY MORTGAGE, INC. 1 3.63% $2,323
UBS Bank USA 1 2.75% $4,799
INTERSTATE HOME LOAN CENTER, INC. 1 2.88% $3,944
21ST MORTGAGE CORPORATION 1 6.00% $5,386
Mortgage Network, Inc. 1 3.13% $3,733
Independent Bank 1 2.88% $2,911
HSBC BANK USA, NATIONAL ASSOCIATION 1 3.55% $4,271
GUILD MORTGAGE COMPANY 1 2.99% $4,078
Guardian Savings Bank, A Federal Savings Bank 1 2.88% $3,214

ATHENS-CLARKE COUNTY, GA's 225 lenders originated 8,170 loans during 2021. The total origination value was $2,083,490,000, with an average loan value of $255,017.

The top ATHENS - CLARKE COUNTY lender as defined by loan originations is QUICKEN LOANS, LLC, with 361 loans originated. Their average total fees are $4,915, which is $1,309 higher than the next largest lender, First American Bank and Trust Company.

The lowest fee ATHENS - CLARKE COUNTY lenders (with over 10 loans originated) are EVERETT FINANCIAL, INC. ($2,467), JPMorgan Chase Bank ($2,594), FREEDOM MORTGAGE CORPORATION ($2,924), Wells Fargo Bank ($3,219) and NAVY FEDERAL CREDIT UNION ($3,233).

The lowest rate ATHENS - CLARKE COUNTY lenders (with over 10 loans originated) are BETTER MORTGAGE CORPORATION (2.87%), First American Bank and Trust Company (2.88%), Bank of America (2.89%), Citizens Bank (2.91%) and Magnolia Bank (2.92%).

ATHENS-CLARKE COUNTY, GA 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
QUICKEN LOANS, LLC $132,450,000 $150,495,000 13.6% 7.2%
First American Bank and Trust Company $148,095,000 $138,640,000 -6.4% 6.7%
Synovus Bank $137,725,000 $110,055,000 -20.1% 5.3%
Regions Bank $92,570,000 $82,865,000 -10.5% 4.0%
Bank of England $81,905,000 $80,645,000 -1.5% 3.9%
Ameris Bank $86,850,000 $73,355,000 -15.5% 3.5%
BANKSOUTH MORTGAGE COMPANY, LLC $85,485,000 $70,190,000 -17.9% 3.4%
GUARANTEED RATE, INC. $44,290,000 $64,270,000 45.1% 3.1%
MOVEMENT MORTGAGE, LLC $54,685,000 $63,325,000 15.8% 3.0%
UNITED WHOLESALE MORTGAGE, LLC $43,655,000 $59,290,000 35.8% 2.8%
HOMESTAR FINANCIAL CORPORATION $46,660,000 $58,620,000 25.6% 2.8%
KeyBank $55,570,000 n/a 2.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $42,205,000 $48,450,000 14.8% 2.3%
Oconee State Bank $47,395,000 $46,655,000 -1.6% 2.2%
FREEDOM MORTGAGE CORPORATION $33,275,000 $34,965,000 5.1% 1.7%
Magnolia Bank $33,425,000 $34,720,000 3.9% 1.7%
Wells Fargo Bank $23,265,000 $32,860,000 41.2% 1.6%
Capital One $18,815,000 $32,015,000 70.2% 1.5%
Truist Bank $33,240,000 $30,580,000 -8.0% 1.5%
BETTER MORTGAGE CORPORATION $12,695,000 $29,475,000 132.2% 1.4%
United Community Bank $28,405,000 $28,105,000 -1.1% 1.3%
PENNYMAC LOAN SERVICES, LLC $13,955,000 $27,720,000 98.6% 1.3%
LOANDEPOT.COM, LLC $16,645,000 $23,695,000 42.4% 1.1%
The Commercial Bank $25,970,000 $23,540,000 -9.4% 1.1%
Mr. Cooper ( Nationstar Mortgage ) $15,965,000 $21,045,000 31.8% 1.0%
Capital City Home Loans, LLC $23,630,000 $19,795,000 -16.2% 1.0%
GEORGIA UNITED $21,330,000 $18,140,000 -15.0% 0.9%
AMERISAVE MORTGAGE CORPORATION $13,765,000 $18,035,000 31.0% 0.9%
PRIMELENDING, A PLAINSCAPITAL COMPANY $26,735,000 $17,680,000 -33.9% 0.8%
ACOPIA, LLC $21,840,000 $15,540,000 -28.8% 0.7%
Pinnacle Bank $1,275,000 $14,950,000 1,072.5% 0.7%
South State Bank $2,515,000 $14,825,000 489.5% 0.7%
First Federal Bank $36,945,000 $14,680,000 -60.3% 0.7%
Bank of America $15,625,000 $14,310,000 -8.4% 0.7%
NAVY FEDERAL CREDIT UNION $7,345,000 $13,845,000 88.5% 0.7%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $11,370,000 $12,960,000 14.0% 0.6%
JPMorgan Chase Bank $9,850,000 $12,840,000 30.4% 0.6%
CBRE MULTIFAMILY CAPITAL, INC. $12,355,000 n/a 0.6%
HOME POINT FINANCIAL CORPORATION $6,010,000 $11,525,000 91.8% 0.6%
Mortgage Research Center, LLC $8,400,000 $11,240,000 33.8% 0.5%
NEWREZ LLC $8,190,000 $11,015,000 34.5% 0.5%
First-Citizens Bank & Trust Company $11,955,000 $10,420,000 -12.8% 0.5%
AMERICAN FINANCIAL NETWORK, INC. $4,680,000 $9,395,000 100.7% 0.5%
BROKER SOLUTIONS, INC. $8,520,000 $9,330,000 9.5% 0.4%
CALIBER HOME LOANS, INC. $7,160,000 $9,285,000 29.7% 0.4%
LAKEVIEW LOAN SERVICING, LLC $4,945,000 $9,240,000 86.9% 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $9,485,000 $8,290,000 -12.6% 0.4%
USAA Federal Savings Bank $9,230,000 $7,500,000 -18.7% 0.4%
GREYSTONE SERVICING COMPANY LLC $21,305,000 $7,465,000 -65.0% 0.4%
Flagstar Bank, FSB $5,110,000 $7,440,000 45.6% 0.4%
EVERETT FINANCIAL, INC. $25,040,000 $7,195,000 -71.3% 0.3%
NexBank $165,000 $6,810,000 4,027.3% 0.3%
ROBINS FINANCIAL $16,200,000 $6,535,000 -59.7% 0.3%
BankSouth $5,915,000 $6,080,000 2.8% 0.3%
Equity Prime Mortgage LLC $685,000 $5,595,000 716.8% 0.3%
Arbor Realty Trust, Inc. $5,505,000 n/a 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $7,375,000 $5,505,000 -25.4% 0.3%
U.S. Bank $4,350,000 $5,420,000 24.6% 0.3%
MILEND, INC. $4,940,000 $5,340,000 8.1% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $8,100,000 $5,310,000 -34.4% 0.3%
WALKER & DUNLOP, LLC $27,510,000 $5,285,000 -80.8% 0.3%
COASTAL Federal Credit Union $4,805,000 n/a 0.2%
21ST MORTGAGE CORPORATION $3,010,000 $4,740,000 57.5% 0.2%
AgFirst Farm Credit Bank $650,000 $4,495,000 591.5% 0.2%
Colony Bank $8,305,000 $4,395,000 -47.1% 0.2%
Carrington Mortgage Services, LLC $2,630,000 $4,285,000 62.9% 0.2%
First Guaranty Mortgage Corporation $1,335,000 $4,235,000 217.2% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $3,545,000 $4,230,000 19.3% 0.2%
Citizens Bank $2,195,000 $4,045,000 84.3% 0.2%
Cadence Bank, N.A. $7,085,000 $3,955,000 -44.2% 0.2%
InterContinental Capital Group, Inc $1,330,000 $3,930,000 195.5% 0.2%
Prosperity Home Mortgage, LLC $1,640,000 $3,905,000 138.1% 0.2%
SHELTER HOME MORTGAGE, LLC $1,740,000 $3,885,000 123.3% 0.2%
First Horizon Bank $845,000 $3,835,000 353.8% 0.2%
Bank OZK $1,175,000 $3,760,000 220.0% 0.2%
Northpointe Bank $4,575,000 $3,760,000 -17.8% 0.2%
PENTAGON FEDERAL CREDIT UNION $1,080,000 $3,715,000 244.0% 0.2%
ZILLOW HOME LOANS, LLC $1,855,000 $3,450,000 86.0% 0.2%
PNC Bank $1,500,000 $3,375,000 125.0% 0.2%
Georgia Banking Company $3,345,000 n/a 0.2%
Mortgage Assurance Inc. $3,095,000 $3,310,000 6.9% 0.2%
Renasant Bank $2,040,000 $3,255,000 59.6% 0.2%
ANGEL OAK HOME LOANS LLC $4,500,000 $3,225,000 -28.3% 0.2%
CALCON MUTUAL MORTGAGE LLC $15,740,000 $3,210,000 -79.6% 0.2%
HOMESIDE FINANCIAL, LLC $3,425,000 $3,195,000 -6.7% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $4,105,000 $3,145,000 -23.4% 0.2%
HOMEOWNERS FINANCIAL GROUP USA, LLC $2,185,000 $3,135,000 43.5% 0.2%
LIMA ONE CAPITAL, LLC $3,400,000 $3,115,000 -8.4% 0.1%
NEW DAY FINANCIAL, LLC $4,100,000 $3,115,000 -24.0% 0.1%
Goldman Sachs Bank USA $3,035,000 n/a 0.1%
Ally Bank $1,450,000 $3,005,000 107.2% 0.1%
Nations Lending Corporation $3,075,000 $2,935,000 -4.6% 0.1%
STOCKTON MORTGAGE CORPORATION $1,805,000 $2,885,000 59.8% 0.1%
STEARNS LENDING, LLC $1,650,000 $2,870,000 73.9% 0.1%
Morgan Stanley Private Bank $4,410,000 $2,820,000 -36.1% 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $5,215,000 $2,745,000 -47.4% 0.1%
The Federal Savings Bank $3,365,000 $2,665,000 -20.8% 0.1%
GUARANTEED RATE AFFINITY, LLC $1,125,000 $2,570,000 128.4% 0.1%
Chicago Mortgage Solutions LLC $2,545,000 n/a 0.1%
DELTA COMMUNITY CREDIT UNION $3,295,000 $2,525,000 -23.4% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $5,170,000 $2,510,000 -51.5% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $4,225,000 $2,505,000 -40.7% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $3,775,000 $2,435,000 -35.5% 0.1%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $2,135,000 $2,420,000 13.3% 0.1%
Fifth Third Bank $260,000 $2,335,000 798.1% 0.1%
CMG MORTGAGE, INC. $2,305,000 $2,305,000 0.0% 0.1%
PLANET HOME LENDING, LLC $3,380,000 $2,225,000 -34.2% 0.1%
AmeriHome Mortgage Company, LLC $2,200,000 $2,215,000 0.7% 0.1%
PEACH STATE FEDERAL CREDIT UNION $1,865,000 $2,200,000 18.0% 0.1%
First National Bank of Griffin $545,000 $2,060,000 278.0% 0.1%
Wyndham Capital Mortgage, Inc. $5,285,000 $2,045,000 -61.3% 0.1%
First Option Mortgage, LLC $1,395,000 $2,040,000 46.2% 0.1%
Southern First Bank $1,025,000 $2,005,000 95.6% 0.1%
FirstBank $1,645,000 $1,990,000 21.0% 0.1%
LENDUS, LLC $805,000 $1,960,000 143.5% 0.1%
GEORGIA'S OWN $800,000 $1,825,000 128.1% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $2,645,000 $1,805,000 -31.8% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $2,445,000 $1,795,000 -26.6% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,615,000 $1,755,000 8.7% 0.1%
F&M Bank $1,745,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $1,350,000 $1,745,000 29.3% 0.1%
ISERVE RESIDENTIAL LENDING, LLC $2,200,000 $1,740,000 -20.9% 0.1%
Lakeview Community Capital, LLC $715,000 $1,730,000 142.0% 0.1%
ATLANTA POSTAL $1,095,000 $1,670,000 52.5% 0.1%
PHH Mortgage Corporation $145,000 $1,500,000 934.5% 0.1%
Goldwater Bank, N.A. $515,000 $1,495,000 190.3% 0.1%
US MORTGAGE CORPORATION $165,000 $1,470,000 790.9% 0.1%
BAY EQUITY LLC $2,285,000 $1,375,000 -39.8% 0.1%
GUARANTY HOME MORTGAGE CORPORATION $1,235,000 $1,365,000 10.5% 0.1%
NBKC BANK $1,390,000 $1,365,000 -1.8% 0.1%
SILVER HILL FUNDING, LLC $1,285,000 n/a 0.1%
FBC MORTGAGE, LLC $2,420,000 $1,280,000 -47.1% 0.1%
LENDSURE MORTGAGE CORP. $1,210,000 n/a 0.1%
SOFI LENDING CORP. $615,000 $1,145,000 86.2% 0.1%
CERTAINTY HOME LOANS, LLC $190,000 $1,140,000 500.0% 0.1%
MORTGAGE INVESTORS GROUP, INC. $3,320,000 $1,130,000 -66.0% 0.1%
Baxter Credit Union $1,485,000 $1,105,000 -25.6% 0.1%
Exchange Bank $235,000 $1,105,000 370.2% 0.1%
DIRECT LENDERS, LLC $360,000 $1,100,000 205.6% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $1,715,000 $1,095,000 -36.2% 0.1%
VAN DYK MORTGAGE CORPORATION $1,155,000 $1,090,000 -5.6% 0.1%
Alcova Mortgage LLC $215,000 $1,085,000 404.7% 0.1%
BNC National Bank $595,000 $1,085,000 82.4% 0.1%
Assurance Financial Group, L.L.C. $3,335,000 $1,015,000 -69.6% 0.0%
Flint Community Bank $75,000 $1,000,000 1,233.3% 0.0%
Cf Bank $1,595,000 $980,000 -38.6% 0.0%
DAS Acquisition Company, LLC $735,000 $980,000 33.3% 0.0%
TJC Mortgage, Inc. $235,000 $975,000 314.9% 0.0%
Paramount Residential Mortgage Group, Inc. $635,000 $970,000 52.8% 0.0%
SIRVA MORTGAGE, INC. $55,000 $955,000 1,636.4% 0.0%
SunMark Community Bank $955,000 n/a 0.0%
AMERICAN FINANCING CORPORATION $1,390,000 $930,000 -33.1% 0.0%
ON Q FINANCIAL, INC. $840,000 $925,000 10.1% 0.0%
THE MORTGAGE FIRM, INC. $1,760,000 $835,000 -52.6% 0.0%
United Bank $2,105,000 $835,000 -60.3% 0.0%
HOMESPIRE MORTGAGE CORPORATION $825,000 n/a 0.0%
NP, Inc. $825,000 n/a 0.0%
SHARONVIEW FEDERAL CREDIT UNION $815,000 n/a 0.0%
Guardian Bank $355,000 $810,000 128.2% 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $800,000 n/a 0.0%
KELLER MORTGAGE, LLC $2,225,000 $770,000 -65.4% 0.0%
GUILD MORTGAGE COMPANY $445,000 $760,000 70.8% 0.0%
RELIANCE FIRST CAPITAL, LLC $260,000 $760,000 192.3% 0.0%
North American Savings Bank, F.S.B. $1,060,000 $755,000 -28.8% 0.0%
UNION HOME MORTGAGE CORP. $825,000 $740,000 -10.3% 0.0%
Figure Lending LLC $740,000 $730,000 -1.4% 0.0%
STATE EMPLOYEES' $115,000 $715,000 521.7% 0.0%
Commerce Home Mortgage, Inc. $705,000 n/a 0.0%
JMAC LENDING, INC. $1,125,000 $705,000 -37.3% 0.0%
UBS Bank USA $115,000 $700,000 508.7% 0.0%
Discover Bank $680,000 $685,000 0.7% 0.0%
Georgia Community Bank $665,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $1,315,000 $660,000 -49.8% 0.0%
Charles Schwab Bank, SSB $605,000 $655,000 8.3% 0.0%
George Mason Mortgage, LLC $650,000 n/a 0.0%
GMFS LLC $595,000 $650,000 9.2% 0.0%
TOWNE MORTGAGE COMPANY $1,075,000 $645,000 -40.0% 0.0%
AMERICAN HOME MORTGAGE, INC. $1,895,000 $640,000 -66.2% 0.0%
Axos Bank $640,000 n/a 0.0%
LOANLEADERS OF AMERICA, INC. $335,000 $640,000 91.0% 0.0%
BNY Mellon $635,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $635,000 n/a 0.0%
KS StateBank $800,000 $625,000 -21.9% 0.0%
A&D Mortgage LLC $595,000 n/a 0.0%
NASA Federal Credit Union $215,000 $590,000 174.4% 0.0%
NMSI, INC. $420,000 $580,000 38.1% 0.0%
Hometown Equity Mortgage, LLC $565,000 n/a 0.0%
Gateway First Bank $410,000 $560,000 36.6% 0.0%
CRESCENT MORTGAGE COMPANY $285,000 $555,000 94.7% 0.0%
LEADERONE FINANCIAL CORPORATION $550,000 $545,000 -0.9% 0.0%
AMERICAN ADVISORS GROUP $250,000 $535,000 114.0% 0.0%
The Piedmont Bank $460,000 $535,000 16.3% 0.0%
First Home Bank $830,000 $530,000 -36.1% 0.0%
ADVANCIAL $525,000 n/a 0.0%
Manufacturers and Traders Trust Company $520,000 $525,000 1.0% 0.0%
Sunflower Bank $235,000 $525,000 123.4% 0.0%
AMWEST FUNDING CORP. $575,000 $520,000 -9.6% 0.0%
Associated Credit Union $2,145,000 $520,000 -75.8% 0.0%
THE ANDERSON FINANCIAL GROUP, INC. $390,000 $510,000 30.8% 0.0%
ALAMEDA MORTGAGE CORPORATION $505,000 n/a 0.0%
ALLIANT CREDIT UNION $410,000 $505,000 23.2% 0.0%
LENDINGONE, LLC $230,000 $505,000 119.6% 0.0%
EMM LOANS LLC $500,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $85,000 $500,000 488.2% 0.0%
REVERSE MORTGAGE FUNDING LLC $85,000 $500,000 488.2% 0.0%
CLEARPATH LENDING $1,925,000 $495,000 -74.3% 0.0%
Luxury Mortgage Corp. $485,000 $495,000 2.1% 0.0%
INTERSTATE HOME LOAN CENTER, INC. $485,000 n/a 0.0%
First National Bank of Pennsylvania $1,030,000 $475,000 -53.9% 0.0%
Hancock Whitney Bank $820,000 $475,000 -42.1% 0.0%
AMERICAN FEDERAL MORTGAGE CORPORATION $875,000 $465,000 -46.9% 0.0%
Ixonia Bank $385,000 $465,000 20.8% 0.0%
POWERCO $640,000 $465,000 -27.3% 0.0%
1ST SIGNATURE LENDING, LLC $1,225,000 $460,000 -62.4% 0.0%
DHI MORTGAGE COMPANY, LTD. $4,315,000 $460,000 -89.3% 0.0%
Platinum Home Mortgage Corporation $460,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $245,000 $460,000 87.8% 0.0%
First Federal Bank, A FSB $435,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,295,000 $430,000 -66.8% 0.0%
Advisors Mortgage Group, L.L.C. $420,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $420,000 n/a 0.0%
Farmers Bank & Trust $485,000 $415,000 -14.4% 0.0%
Sierra Pacific Mortgage Company, Inc. $125,000 $415,000 232.0% 0.0%
FIRST HOME MORTGAGE CORPORATION $405,000 n/a 0.0%
Mortgage Network, Inc. $520,000 $405,000 -22.1% 0.0%
United Bank $2,105,000 $400,000 -81.0% 0.0%
CREDIT UNION OF GEORGIA $1,195,000 $395,000 -66.9% 0.0%
Financial Federal Bank $390,000 n/a 0.0%
First Internet Bank of Indiana $390,000 n/a 0.0%
RESOURCE FINANCIAL SERVICES, INC. $380,000 n/a 0.0%
Southeastern Bank $2,230,000 $375,000 -83.2% 0.0%
Watermark Capital, Inc. $375,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $115,000 $370,000 221.7% 0.0%
Trustmark National Bank $370,000 n/a 0.0%
EASTMAN $365,000 n/a 0.0%
LGE COMMUNITY $320,000 $350,000 9.4% 0.0%
Queensborough National Bank & Trust Company $370,000 $350,000 -5.4% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $405,000 $345,000 -14.8% 0.0%
ALLIED MORTGAGE GROUP, INC. $55,000 $340,000 518.2% 0.0%
Arvest Bank $330,000 $340,000 3.0% 0.0%
GUARANTY MORTGAGE SERVICES, L.L.C. $795,000 $340,000 -57.2% 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $335,000 n/a 0.0%
SPRING EQ, LLC $325,000 $335,000 3.1% 0.0%
The Central Trust Bank $275,000 $335,000 21.8% 0.0%
BancorpSouth Bank $330,000 n/a 0.0%
Countybank $135,000 $325,000 140.7% 0.0%
Elements Financial Federal Credit Union $320,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $320,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $365,000 $320,000 -12.3% 0.0%
OCMBC, INC. $185,000 $320,000 73.0% 0.0%
SOUTHWEST STAGE FUNDING, LLC $590,000 $320,000 -45.8% 0.0%
BM Real Estate Services, Inc. $185,000 $310,000 67.6% 0.0%
Century Mortgage Company DBA Century Lending Company $310,000 n/a 0.0%
Capital Bank $185,000 $295,000 59.5% 0.0%
OCEANSIDE MORTGAGE COMPANY $395,000 $290,000 -26.6% 0.0%
ARC HOME LLC $195,000 $285,000 46.2% 0.0%
Aurora Financial, LLC $285,000 n/a 0.0%
CELEBRITY HOME LOANS, LLC $175,000 $285,000 62.9% 0.0%
NATION ONE MORTGAGE CORPORATION $285,000 n/a 0.0%
Low VA Rates, LLC $425,000 $280,000 -34.1% 0.0%
First Heritage Mortgage, LLC $245,000 $275,000 12.2% 0.0%
CIVIC FINANCIAL SERVICES, LLC $270,000 n/a 0.0%
MAX Credit Union $265,000 n/a 0.0%
PREMIA MORTGAGE, LLC $885,000 $265,000 -70.1% 0.0%
RUOFF MORTGAGE COMPANY, INC. $115,000 $265,000 130.4% 0.0%
S1L, Inc. $265,000 n/a 0.0%
TOTAL MORTGAGE SERVICES, LLC $265,000 n/a 0.0%
Beeline Loans, Inc. $255,000 n/a 0.0%
LENDERFI, INC. $580,000 $255,000 -56.0% 0.0%
Level One Bank $255,000 n/a 0.0%
S. C. TELCO $440,000 $255,000 -42.0% 0.0%
Virginia National Bank $95,000 $250,000 163.2% 0.0%
QUANTUM NATIONAL BANK $285,000 $245,000 -14.0% 0.0%
CREDIT UNION FINANCIAL SERVICES, LLC $545,000 $240,000 -56.0% 0.0%
Waterstone Mortgage Corporation $1,040,000 $240,000 -76.9% 0.0%
Bank of Cleveland $235,000 n/a 0.0%
Independent Bank $235,000 n/a 0.0%
Colonial Savings, F.A. $230,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $495,000 $230,000 -53.5% 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $225,000 n/a 0.0%
CDC Federal Credit Union $385,000 $225,000 -41.6% 0.0%
MEMBER FIRST MORTGAGE, LLC $225,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $25,000 $220,000 780.0% 0.0%
AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. $215,000 n/a 0.0%
Guardian Savings Bank, A Federal Savings Bank $215,000 n/a 0.0%
HALLCO COMMUNITY CREDIT UNION $215,000 n/a 0.0%
WRIGHT-PATT CREDIT UNION, INC. $425,000 $215,000 -49.4% 0.0%
First National Bank of America $135,000 $205,000 51.9% 0.0%
Allied First Bank,sb $195,000 n/a 0.0%
Christensen Financial, Inc. $195,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $195,000 $195,000 0.0% 0.0%
MK LENDING CORP. $195,000 n/a 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $185,000 n/a 0.0%
HOME TOWN FUNDING, INC. $185,000 n/a 0.0%
Paramount Bank $215,000 $185,000 -14.0% 0.0%
PUBLIX EMPLOYEES $425,000 $185,000 -56.5% 0.0%
SIWELL, INC. $165,000 $185,000 12.1% 0.0%
EMBRACE HOME LOANS, INC. $1,140,000 $175,000 -84.6% 0.0%
NORWICH COMMERCIAL GROUP, INC. $175,000 n/a 0.0%
RADIUS FINANCIAL GROUP INC. $760,000 $175,000 -77.0% 0.0%
Sandy Spring Bank $175,000 n/a 0.0%
The Huntington National Bank $85,000 $175,000 105.9% 0.0%
WESTERN EXPRESS LENDING $175,000 n/a 0.0%
IVY MORTGAGE, INC. $325,000 $165,000 -49.2% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $430,000 $165,000 -61.6% 0.0%
POLARIS HOME FUNDING CORP. $605,000 $165,000 -72.7% 0.0%
Mid-Continent Funding, Inc. $690,000 $155,000 -77.5% 0.0%
RESIDENTIAL MORTGAGE SERVICES, INC. $155,000 n/a 0.0%
Tyndall Federal Credit Union $155,000 n/a 0.0%
COUNTRYPLACE MORTGAGE, LTD. $145,000 n/a 0.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $860,000 $145,000 -83.1% 0.0%
STAR ONE CREDIT UNION $145,000 n/a 0.0%
CityWorth Mortgage LLC $135,000 n/a 0.0%
EAGLE HOME MORTGAGE, LLC $135,000 n/a 0.0%
FEDEX EMPLOYEES CREDIT ASSOCIATION $135,000 n/a 0.0%
LOANPAL, LLC $135,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $135,000 n/a 0.0%
Metro City Bank $570,000 $135,000 -76.3% 0.0%
CONSTRUCTIVE LOANS, LLC $125,000 n/a 0.0%
NATIONS DIRECT MORTGAGE, LLC $660,000 $125,000 -81.1% 0.0%
Thomasville National Bank $395,000 $125,000 -68.4% 0.0%
Evolve Bank & Trust $830,000 $115,000 -86.1% 0.0%
Farmers & Merchants Bank $70,000 $115,000 64.3% 0.0%
First Federal Bank of Kansas City $115,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $355,000 $115,000 -67.6% 0.0%
SOUTHEASTERN Credit Union $345,000 $115,000 -66.7% 0.0%
ALLEGACY FEDERAL CREDIT UNION $180,000 $105,000 -41.7% 0.0%
Capital City Bank $105,000 n/a 0.0%
Citibank $20,165,000 $105,000 -99.5% 0.0%
GENEVA FINANCIAL, LLC $145,000 $105,000 -27.6% 0.0%
Connexus Credit Union $95,000 n/a 0.0%
The First, A National Banking Association $95,000 $95,000 0.0% 0.0%
Commercial Banking Company $85,000 n/a 0.0%
EVANSVILLE TEACHERS $225,000 $85,000 -62.2% 0.0%
First State Bank of Blakely, Inc. $225,000 $85,000 -62.2% 0.0%
Morris Bank $85,000 n/a 0.0%
NFM, INC. $85,000 n/a 0.0%
Cornerstone First Mortgage, Inc $75,000 n/a 0.0%
PLANTERS FIRST BANK $55,000 n/a 0.0%
1st Franklin Financial Corporation $50,000 n/a 0.0%
AMERICAN HERITAGE FCU $45,000 n/a 0.0%
GENISYS $45,000 n/a 0.0%
JUSTICE Federal Credit Union $35,000 n/a 0.0%
USAlliance Federal Credit Union $45,000 $35,000 -22.2% 0.0%

ATHENS - CLARKE COUNTY's top lender by overall market share is QUICKEN LOANS, LLC, with 7.2% market share. In second place, with 6.7%, is First American Bank and Trust Company, having originated $138,640,000 in loans. In third place, with 5.3%, is Synovus Bank, having originated $110,055,000 in loans. In third place, with 4.0%, is Regions Bank, having originated $82,865,000 in loans. In third place, with 3.9%, is Bank of England, having originated $80,645,000 in loans.


ATHENS-CLARKE COUNTY, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 3,033 $928,345,000 $306,081
Refi 2,772 $666,250,000 $240,350
Cash Out Refi 1,791 $421,645,000 $235,424
Other 302 $38,760,000 $128,344
Home Improvement 271 $28,315,000 $104,483
NA 1 $175,000 $175,000

Athens - Clarke County's most frequently cited loan purpose was Home Purchase, with 3,033 originations. The 2nd most popular reason was Refi, with 2,772 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 3,143 $863,525,000 $274,745
3-4% 2,826 $675,490,000 $239,027
<2.5% 1,294 $308,570,000 $238,462
4-5% 303 $68,225,000 $225,165
Over 8% 82 $7,890,000 $96,220
5-6% 57 $12,685,000 $222,544
6-7% 28 $6,500,000 $232,143
7-8% 18 $2,020,000 $112,222

During 2021, Athens - Clarke County's most frequently originated rate bucket was 2.5-3%, with 3,143 originations.

Loan Sizing (ATHENS-CLARKE COUNTY, GA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 3,362 $922,460,000 $274,378
$100k-200k 2,980 $450,650,000 $151,225
$100,000 or less 907 $59,525,000 $65,628
$400k-600k 723 $343,775,000 $475,484
$600k-1000k 139 $103,735,000 $746,295
$Over $1MM 59 $203,345,000 $3,446,525

ATHENS - CLARKE COUNTY's loan sizing saw the bucket of loans from $200k-400k with 3,362 originations, totaling $922,460,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 2,905 $816,835,000 $281,182
80-100% 2,431 $673,245,000 $276,942
40-60% 1,266 $323,480,000 $255,513
20-40% 564 $79,810,000 $141,507
Under 20% 327 $24,155,000 $73,869
Over 100% 51 $15,475,000 $303,431

ATHENS - CLARKE COUNTY's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 2,905 originations, totaling $816,835,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - ATHENS - CLARKE COUNTY (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 $272,200 (14.9%) $316,890 (11.7%) 1.00 876
2018-02-01 $279,900 (13.1%) $318,156 (8.9%) 1.01 992
2018-03-01 $279,900 (12.0%) $321,686 (8.0%) 0.97 1,079
2018-04-01 $289,950 (12.6%) $341,007 (11.7%) 0.97 1,124
2018-05-01 $293,350 (10.3%) $348,522 (12.7%) 0.98 1,119
2018-06-01 $289,000 (6.1%) $349,315 (12.9%) 0.96 1,175
2018-07-01 $281,839 (2.5%) $346,198 (10.5%) 0.94 1,190
2018-08-01 $280,450 (0.5%) $345,183 (8.9%) 0.94 1,189
2018-09-01 $274,900 (2.2%) $337,494 (9.0%) 0.92 1,240
2018-10-01 $273,000 (1.2%) $330,682 (4.5%) 0.91 1,257
2018-11-01 $274,900 (1.9%) $328,034 (3.2%) 0.92 1,222
2018-12-01 $279,000 (1.5%) $334,575 (3.9%) 0.96 1,136
2019-01-01 $289,450 (6.3%) $341,395 (7.7%) 1.00 1,033
2019-02-01 $294,950 (5.4%) $348,653 (9.6%) 0.99 1,104
2019-03-01 $301,586 (7.8%) $355,710 (10.6%) 0.98 1,065
2019-04-01 $312,700 (7.9%) $370,375 (8.6%) 0.98 1,008
2019-05-01 $323,263 (10.2%) $377,748 (8.4%) 1.00 999
2019-06-01 $322,400 (11.6%) $375,637 (7.5%) 0.99 1,061
2019-07-01 $304,124 (7.9%) $375,278 (8.4%) 0.95 1,087
2019-08-01 $302,314 (7.8%) $368,519 (6.8%) 0.95 1,044
2019-09-01 $299,900 (9.1%) $363,096 (7.6%) 0.95 1,017
2019-10-01 $297,450 (9.0%) $363,937 (10.1%) 0.95 1,012
2019-11-01 $309,000 (12.4%) $384,588 (17.2%) 1.00 950
2019-12-01 $298,327 (6.9%) $385,545 (15.2%) 0.99 896
2020-01-01 $298,750 (3.2%) $392,235 (14.9%) 1.00 783
2020-02-01 $325,000 (10.2%) $413,839 (18.7%) 1.05 808
2020-03-01 $329,000 (9.1%) $417,880 (17.5%) 1.03 840
2020-04-01 $329,900 (5.5%) $412,146 (11.3%) 1.03 900
2020-05-01 $339,900 (5.2%) $418,515 (10.8%) 1.03 847
2020-06-01 $339,910 (5.4%) $424,129 (12.9%) 0.99 793
2020-07-01 $328,035 (7.9%) $411,629 (9.7%) 0.94 788
2020-08-01 $325,900 (7.8%) $417,174 (13.2%) 0.93 765
2020-09-01 $332,915 (11.0%) $413,493 (13.9%) 0.95 668
2020-10-01 $334,900 (12.6%) $422,597 (16.1%) 0.96 604
2020-11-01 $345,000 (11.7%) $427,468 (11.2%) 0.99 584
2020-12-01 $346,150 (16.0%) $436,575 (13.2%) 1.02 538
2021-01-01 $349,900 (17.1%) $442,721 (12.9%) 1.03 477
2021-02-01 $364,900 (12.3%) $458,134 (10.7%) 1.05 399
2021-03-01 $377,450 (14.7%) $456,887 (9.3%) 1.06 354
2021-04-01 $372,500 (12.9%) $445,514 (8.1%) 1.00 362
2021-05-01 $375,000 (10.3%) $464,067 (10.9%) 0.99 394
2021-06-01 $364,450 (7.2%) $469,483 (10.7%) 0.95 484
2021-07-01 $374,450 (14.2%) $467,600 (13.6%) 0.97 549
2021-08-01 $352,450 (8.2%) $445,448 (6.8%) 0.93 546
2021-09-01 $349,900 (5.1%) $445,185 (7.7%) 0.92 544
2021-10-01 $349,900 (4.5%) $444,997 (5.3%) 0.92 504
2021-11-01 $357,400 (3.6%) $462,477 (8.2%) 0.94 410
2021-12-01 $374,450 (8.2%) $487,389 (11.6%) 1.00 323
2022-01-01 $375,000 (7.2%) $509,124 (15.0%) 1.00 280
2022-02-01 $377,450 (3.4%) $502,424 (9.7%) 0.96 291
2022-03-01 $405,000 (7.3%) $515,601 (12.9%) 1.00 289
2022-04-01 $399,000 (7.1%) $513,263 (15.2%) 0.94 351
ATHENS - CLARKE COUNTY's median listing price for 2022-04-01 was $399,000, a difference of $26,500 (7.1%) versus the prior year and $-6,000 versus the prior month.

ATHENS - CLARKE COUNTY's median listing price comes in at 94% of the national average.

ATHENS - CLARKE COUNTY's average listing price for 2022-04-01 was $513,263, a difference of $67,749 (15.2%) versus the prior year and $-2,338 versus the prior month.

For the 2022-04-01 period, ATHENS - CLARKE COUNTY had 351 MLS listings, a difference of 62 listings (21%) versus the prior month and -11 listings (-3%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - ATHENS - CLARKE COUNTY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 88 days 2,420 sqft
2018-02-01 62 days 2,462 sqft
2018-03-01 41 days 2,421 sqft
2018-04-01 52 days 2,448 sqft
2018-05-01 57 days 2,405 sqft
2018-06-01 57 days 2,386 sqft
2018-07-01 63 days 2,365 sqft
2018-08-01 67 days 2,336 sqft
2018-09-01 68 days 2,313 sqft
2018-10-01 74 days 2,311 sqft
2018-11-01 81 days 2,293 sqft
2018-12-01 93 days 2,313 sqft
2019-01-01 101 days 2,350 sqft
2019-02-01 84 days 2,399 sqft
2019-03-01 57 days 2,476 sqft
2019-04-01 57 days 2,560 sqft
2019-05-01 58 days 2,535 sqft
2019-06-01 53 days 2,517 sqft
2019-07-01 55 days 2,484 sqft
2019-08-01 59 days 2,450 sqft
2019-09-01 60 days 2,411 sqft
2019-10-01 68 days 2,451 sqft
2019-11-01 71 days 2,500 sqft
2019-12-01 79 days 2,470 sqft
2020-01-01 80 days 2,479 sqft
2020-02-01 49 days 2,559 sqft
2020-03-01 50 days 2,509 sqft
2020-04-01 54 days 2,430 sqft
2020-05-01 63 days 2,460 sqft
2020-06-01 59 days 2,443 sqft
2020-07-01 50 days 2,418 sqft
2020-08-01 45 days 2,526 sqft
2020-09-01 46 days 2,368 sqft
2020-10-01 47 days 2,321 sqft
2020-11-01 49 days 2,292 sqft
2020-12-01 57 days 2,235 sqft
2021-01-01 57 days 2,216 sqft
2021-02-01 60 days 2,285 sqft
2021-03-01 43 days 2,250 sqft
2021-04-01 32 days 2,262 sqft
2021-05-01 34 days 2,200 sqft
2021-06-01 33 days 2,129 sqft
2021-07-01 33 days 2,076 sqft
2021-08-01 38 days 2,025 sqft
2021-09-01 39 days 2,066 sqft
2021-10-01 47 days 2,062 sqft
2021-11-01 54 days 2,134 sqft
2021-12-01 53 days 2,018 sqft
2022-01-01 40 days 2,175 sqft
2022-02-01 32 days 2,150 sqft
2022-03-01 29 days 2,239 sqft
2022-04-01 24 days 2,213 sqft
ATHENS - CLARKE COUNTY's median listing age (time on market) for 2022-04-01 was 24 days. This is -25% shorter than the same period one year ago.

ATHENS - CLARKE COUNTY's median square footage for active listings during the 2022-04-01 period was 2,213 sqft. One year prior, the average listing was 2,262 sqft.