ATHENS - CLARKE COUNTY Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Athens - Clarke County averaged 6.68% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 6.91% and one month ago for the week of 2025-05-15, the average rate was 7.08%.

Athens - Clarke County's average rate one year ago was 6.92%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.08%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Athens - Clarke County 30 Year Fixed Rate 2025-06-18 6.68%
Athens - Clarke County 30 Year Fixed Rate Refi 2025-06-18 7.08%
Athens - Clarke County 15 Year Fixed Rate 2025-06-18 6.16%
Athens - Clarke County 15 Year Fixed Rate Refi 2025-06-18 6.56%
Athens - Clarke County 30 Year FHA 2025-06-18 0.08%
Athens - Clarke County 30 Year FHA Refi 2025-06-18 -0.1%
Athens - Clarke County 30 Year USDA 2025-06-18 0.2%
Athens - Clarke County 30 Year USDA Refi 2025-06-18 0.2%
Athens - Clarke County 30 Year VA 2025-06-18 -0.1%
Athens - Clarke County 30 Year VA Refi 2025-06-18 0.2%
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 lender, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 116 6.64% $8,269
QUICKEN LOANS, LLC 105 6.72% $7,126
Regions Bank 95 6.62% $7,407
BANKSOUTH MORTGAGE COMPANY, LLC 84 6.81% $7,746
First American Bank and Trust Company 64 6.74% $5,830
GUARANTEED RATE, INC. 59 6.76% $8,142
Ameris Bank 54 6.82% $7,316
Magnolia Bank 50 6.42% $7,815
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 50 6.71% $7,900
Synovus Bank 46 6.52% $6,014
MOVEMENT MORTGAGE, LLC 41 6.96% $6,203
DHI MORTGAGE COMPANY, LTD. 35 6.05% $3,520
EVERETT FINANCIAL, INC. 34 6.85% $11,152
Colony Bank 26 6.60% $7,398
PROVIDENT FUNDING ASSOCIATES, L.P. 25 6.35% $6,117
CROSSCOUNTRY MORTGAGE, LLC 14 6.94% $8,828
JPMorgan Chase Bank 14 6.48% $5,344
BancorpSouth 14 6.57% $9,255
First Option Mortgage, LLC 13 7.00% $10,116
Capital City Home Loans, LLC 13 6.66% $8,837
AMERICAN PACIFIC MORTGAGE CORPORATION 11 6.60% $9,674
NFM, INC. 11 6.75% $5,540
SOUTHEAST MORTGAGE OF GEORGIA, INC. 11 7.28% $9,091
BROKER SOLUTIONS, INC. 11 6.98% $9,471
Bank of England 10 7.09% $4,933
Truist 9 6.50% $5,985
First-Citizens Bank & Trust Company 9 6.67% $4,419
Wells Fargo Bank 9 6.21% $5,458
PENNYMAC LOAN SERVICES, LLC 9 7.12% $7,730
GEORGIA UNITED 8 6.97% $6,613
Prosperity Home Mortgage, LLC 8 6.97% $6,837
HOMESIDE FINANCIAL, LLC 7 6.64% $5,763
NAVY FEDERAL CREDIT UNION 7 6.48% $4,702
MUTUAL OF OMAHA MORTGAGE, INC. 7 6.51% $4,714
U.S. Bank 7 6.57% $3,565
Presidential Bank, FSB 7 6.95% $9,708
ACOPIA, LLC 6 6.71% $7,319
Mr. Cooper ( Nationstar Mortgage ) 6 7.08% $10,526
United Community Bank 6 7.77% $5,071
Associated Credit Union 6 5.90% $6,152
EUSTIS AND AMERICAN MORTGAGE COMPANY 5 6.57% $8,275
UNION HOME MORTGAGE CORP. 5 7.03% $7,559
Bank of America 5 6.63% $4,754
CANOPY MORTGAGE, LLC 5 6.85% $10,356
NEWREZ LLC 5 7.58% $11,442
Citizens Bank 5 6.67% $7,547
Cornerstone First Mortgage, Inc 5 7.25% $10,223
Morgan Stanley Private Bank 5 6.23% $4,290
LOANDEPOT.COM, LLC 5 6.13% $9,342
GUILD MORTGAGE COMPANY 5 7.07% $6,832
GENEVA FINANCIAL, LLC 5 6.95% $9,944
DELTA COMMUNITY CREDIT UNION 4 5.75% $5,247
NBKC BANK 4 6.28% $4,814
Paramount Residential Mortgage Group, Inc. 4 6.78% $9,793
21ST MORTGAGE CORPORATION 4 8.33% $7,293
VANDERBILT MORTGAGE AND FINANCE, INC. 4 7.47% $5,935
FIRST COMMUNITY MORTGAGE, INC. 4 7.03% $6,158
Flagstar Bank, FSB 4 7.14% $4,752
The Huntington National Bank 3 7.21% $8,380
ANGEL OAK MORTGAGE SOLUTIONS LLC 3 7.54% $10,045
BETTER MORTGAGE CORPORATION 3 6.58% $6,251
HOMEOWNERS FINANCIAL GROUP USA, LLC 3 7.46% $7,066
PEACH STATE FEDERAL CREDIT UNION 3 5.92% $7,998
Renasant Bank 3 6.79% $8,795
ROBINS FINANCIAL 3 5.38% $7,111
South State Bank 3 7.04% $5,051
Stifel Bank and Trust 3 6.29% $4,670
STOCKTON MORTGAGE CORPORATION 3 6.75% $7,191
UBS Bank USA 3 6.67% $5,073
CREDIT UNION FINANCIAL SERVICES, LLC 2 6.31% $5,461
SWBC MORTGAGE CORPORATION 2 6.00% $8,543
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 2 7.13% $8,300
M&T Bank 2 6.38% $5,025
AMERISAVE MORTGAGE CORPORATION 2 7.56% $8,254
LENOX FINANCIAL MORTGAGE CORPORATION 2 6.56% $3,688
AmeriHome Mortgage Company, LLC 2 6.75% $4,066
NATIONS DIRECT MORTGAGE, LLC 2 5.88% $9,130
NP, Inc. 2 7.62% $15,767
Trustmark National Bank 2 6.19% $6,247
EAGLE HOME MORTGAGE, LLC 2 5.56% $9,265
ZILLOW HOME LOANS, LLC 2 6.69% $5,632
ROYAL UNITED MORTGAGE LLC 2 7.25% $5,669
AMERICAN FINANCIAL NETWORK, INC. 2 6.38% $8,395
MILEND, INC. 2 7.13% $15,040
Ally Bank 2 7.25% $3,540
SHELTER HOME MORTGAGE, LLC 2 7.25% $4,897
GEORGIA'S OWN 2 6.63% $9,966
PHH Mortgage Corporation 2 7.56% $5,859
First Federal Bank 2 7.19% $4,610
Plains Commerce Bank 2 6.00% $8,818
General Mortgage Capital Corporation 2 6.93% $4,201
SRP Federal Credit Union 2 6.75% $6,991
Mortgage Research Center, LLC 2 7.13% $5,763
FIRST COLONY MORTGAGE CORPORATION 2 6.93% $8,319
DEEPHAVEN MORTGAGE LLC 2 8.63% $14,401
CITIZENS EQUITY FIRST 1 6.75% $0
Citibank 1 6.50% $11
Citadel Servicing Corporation 1 7.00% $13,025
NETWORK CAPITAL FUNDING CORPORATION 1 7.63% $6,918
Charles Schwab Bank, SSB 1 5.63% $5,355
NEW WAVE LENDING GROUP INC 1 7.75% $12,128
NexBank 1 7.13% $7,233
Century Mortgage Company DBA Century Lending Company 1 6.99% $9,828
NMSI, INC. 1 6.88% $14,280
North American Savings Bank, F.S.B. 1 8.88% $5,536
Northpointe Bank 1 6.99% $4,838
NORWICH COMMERCIAL GROUP, INC. 1 5.88% $0
OceanFirst Bank 1 6.88% $11,093
Carrington Mortgage Services, LLC 1 5.50% $11,740
USAA Federal Savings Bank 1 6.63% $6,294
CAPITAL CENTER, L.L.C. 1 6.88% $0
PNC Bank 1 6.88% $3,461
PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.13% $4,583
BAY EQUITY LLC 1 6.63% $7,063
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.50% $7,228
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.49% $7,482
RADIUS FINANCIAL GROUP INC. 1 7.50% $7,684
RELIANCE FIRST CAPITAL, LLC 1 6.88% $6,000
ALLIANT CREDIT UNION 1 6.75% $3,382
Alcova Mortgage LLC 1 6.99% $4,112
Security Federal Bank 1 7.25% $14,119
SENTE MORTGAGE, INC. 1 6.25% $4,739
Sierra Pacific Mortgage Company, Inc. 1 6.75% $5,227
American Security Mortgage Corp. 1 6.88% $4,615
Southern First Bank 1 7.25% $5,283
Waterstone Mortgage Corporation 1 7.13% $4,866
AgFirst Farm Credit Bank 1 7.75% $6,520
Wolfe Financial, Inc 1 6.88% $7,044
SUMMIT FUNDING, INC. 1 6.88% $8,037
American Mortgage & Equity Consultants, Inc. 1 7.75% $14,777
The Central Trust Bank 1 6.62% $3,565
AMERICAN HOME MORTGAGE, INC. 1 5.88% $4,013
The Loan Store, Inc. 1 6.63% $5,748
THE MORTGAGE FIRM, INC. 1 7.62% $6,148
TOP FLITE FINANCIAL, INC. 1 5.99% $11,767
AMERICAN FINANCING CORPORATION 1 6.13% $9,759
Tyndall Federal Credit Union 1 6.13% $6,734
UIF CORPORATION 1 6.13% $4,481
United Bank 1 7.13% $4,441
AMERICAN FEDERAL MORTGAGE CORPORATION 1 6.63% $4,550
UNITED MORTGAGE CORP 1 7.50% $12,236
UNITED PREMIER FUNDING, LLC 1 7.13% $4,749
First Community Bank 1 7.63% $9,728
First Financial Bank 1 6.63% $12,124
First Heritage Mortgage, LLC 1 6.88% $8,399
First National Bank of America 1 9.13% $13,801
First National Bank of Pennsylvania 1 5.88% $6,581
FIRST TECHNOLOGY 1 7.13% $3,846
First Reliance Bank 1 6.38% $4,226
First Citizens National Bank 1 7.13% $3,750
FirstBank 1 5.99% $5,107
Fifth Third Bank 1 6.50% $4,170
GMFS LLC 1 6.50% $2,918
Goldwater Bank, N.A. 1 7.00% $6,005
GUARANTEED RATE AFFINITY, LLC 1 6.99% $3,590
EVANSVILLE TEACHERS 1 7.25% $5,479
Equity Prime Mortgage LLC 1 7.63% $14,143
Gulf Coast Bank and Trust Company 1 7.00% $5,402
ENDEAVOR CAPITAL, LLC. 1 8.50% $6,970
HOMESPIRE MORTGAGE CORPORATION 1 7.00% $6,627
INTERCOASTAL MORTGAGE COMPANY 1 6.63% $1,968
ISERVE RESIDENTIAL LENDING, LLC 1 6.63% $11,989
Ixonia Bank 1 7.63% $9,768
JMAC LENDING, INC. 1 6.88% $4,101
EASTMAN 1 7.63% $5,460
LAKEVIEW LOAN SERVICING, LLC 1 5.99% $9,529
LOANPAL, LLC 1 7.13% $7,050
Dollar Bank, Federal Savings Bank 1 6.75% $6,345
Merchants & Marine Bank 1 7.13% $5,664
Metro City Bank 1 7.63% $11,107
MICHIGAN MUTUAL, INC. 1 6.50% $7,363
Deere Employees Credit Union 1 7.25% $3,436
Mortgage Assurance Inc. 1 6.88% $3,909
MORTGAGE INVESTORS GROUP, INC. 1 6.88% $3,770

ATHENS - CLARKE COUNTY Average Closing Costs & Other Stats

ATHENS-CLARKE COUNTY, GA's 174 lenders originated 3,720 loans during 2024. The total origination value was $1,144,000,000, with an average loan value of $307,527.

ATHENS - CLARKE COUNTY's average closing costs are $5,628.

The top ATHENS - CLARKE COUNTY lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 116 loans originated. Their average total fees are $8,269, which is $1,143 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee ATHENS - CLARKE COUNTY lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($3,520), Bank of England ($4,933), JPMorgan Chase Bank ($5,344), NFM, INC. ($5,540) and First American Bank and Trust Company ($5,830).

The lowest rate ATHENS - CLARKE COUNTY lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (6.05%), PROVIDENT FUNDING ASSOCIATES, L.P. (6.35%), Magnolia Bank (6.42%), JPMorgan Chase Bank (6.48%) and Synovus Bank (6.52%).

ATHENS-CLARKE COUNTY, GA 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
UNITED WHOLESALE MORTGAGE, LLC $39,655,000 $68,795,000 73.5% 6.0%
Synovus Bank $49,590,000 $58,890,000 18.8% 5.1%
QUICKEN LOANS, LLC $42,580,000 $54,270,000 27.5% 4.7%
Regions Bank $45,105,000 $51,080,000 13.2% 4.5%
First American Bank and Trust Company $50,870,000 $44,435,000 -12.6% 3.9%
COREVEST AMERICAN FINANCE LENDER LLC $44,120,000 n/a 3.9%
GREYSTONE SERVICING COMPANY LLC $42,950,000 n/a 3.8%
BANKSOUTH MORTGAGE COMPANY, LLC $26,705,000 $39,085,000 46.4% 3.4%
Ameris Bank $23,510,000 $36,740,000 56.3% 3.2%
Oconee State Bank $26,485,000 $33,680,000 27.2% 2.9%
GUARANTEED RATE, INC. $32,320,000 $31,135,000 -3.7% 2.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $16,310,000 $24,950,000 53.0% 2.2%
WALKER & DUNLOP, LLC $21,715,000 n/a 1.9%
The Commercial Bank $18,955,000 $20,635,000 8.9% 1.8%
DHI MORTGAGE COMPANY, LTD. $18,975,000 n/a 1.7%
Magnolia Bank $8,055,000 $18,935,000 135.1% 1.7%
BancorpSouth $8,730,000 $18,455,000 111.4% 1.6%
EVERETT FINANCIAL, INC. $14,030,000 $16,990,000 21.1% 1.5%
MOVEMENT MORTGAGE, LLC $21,960,000 $14,795,000 -32.6% 1.3%
CROSSCOUNTRY MORTGAGE, LLC $6,760,000 $11,815,000 74.8% 1.0%
Colony Bank $15,555,000 $11,605,000 -25.4% 1.0%
PENNYMAC LOAN SERVICES, LLC $8,725,000 $11,050,000 26.6% 1.0%
Truist $15,020,000 $10,420,000 -30.6% 0.9%
Pinnacle Bank $175,000 $10,100,000 5,671.4% 0.9%
GEORGIA UNITED $9,905,000 $10,030,000 1.3% 0.9%
Capital City Home Loans, LLC $7,125,000 $10,000,000 40.4% 0.9%
FREEDOM MORTGAGE CORPORATION $4,465,000 $9,755,000 118.5% 0.9%
United Community Bank $22,865,000 $9,215,000 -59.7% 0.8%
PROVIDENT FUNDING ASSOCIATES, L.P. $5,655,000 $8,630,000 52.6% 0.8%
ROBINS FINANCIAL $13,225,000 $8,500,000 -35.7% 0.7%
First-Citizens Bank & Trust Company $3,615,000 $8,130,000 124.9% 0.7%
BankSouth $10,780,000 $7,695,000 -28.6% 0.7%
First Option Mortgage, LLC $6,670,000 $7,695,000 15.4% 0.7%
Mortgage Research Center, LLC $8,185,000 $7,655,000 -6.5% 0.7%
AMERICAN PACIFIC MORTGAGE CORPORATION $7,585,000 n/a 0.7%
Bank of America $8,745,000 $6,670,000 -23.7% 0.6%
Bank of Dudley $6,505,000 n/a 0.6%
NFM, INC. $1,015,000 $6,470,000 537.4% 0.6%
BROKER SOLUTIONS, INC. $4,780,000 $6,380,000 33.5% 0.6%
JPMorgan Chase Bank $1,920,000 $6,345,000 230.5% 0.6%
NEWREZ LLC $2,560,000 $6,085,000 137.7% 0.5%
21ST MORTGAGE CORPORATION $5,945,000 $5,960,000 0.3% 0.5%
NAVY FEDERAL CREDIT UNION $6,270,000 $5,895,000 -6.0% 0.5%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $3,175,000 $5,690,000 79.2% 0.5%
LOANDEPOT.COM, LLC $5,100,000 $5,520,000 8.2% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $3,205,000 $5,400,000 68.5% 0.5%
ORIX REAL ESTATE CAPITAL, LLC $5,205,000 n/a 0.5%
MUTUAL OF OMAHA MORTGAGE, INC. $2,960,000 $5,095,000 72.1% 0.4%
Paramount Residential Mortgage Group, Inc. $7,155,000 $4,875,000 -31.9% 0.4%
U.S. Bank $5,460,000 $4,835,000 -11.4% 0.4%
GUILD MORTGAGE COMPANY $1,140,000 $4,570,000 300.9% 0.4%
HOMESIDE FINANCIAL, LLC $980,000 $4,425,000 351.5% 0.4%
Wells Fargo Bank $5,040,000 $4,375,000 -13.2% 0.4%
Bank of England $22,725,000 $4,195,000 -81.5% 0.4%
Presidential Bank, FSB $970,000 $4,150,000 327.8% 0.4%
DEEPHAVEN MORTGAGE LLC $205,000 $4,070,000 1,885.4% 0.4%
Citizens Bank $675,000 $3,835,000 468.1% 0.3%
USAA Federal Savings Bank $1,880,000 $3,820,000 103.2% 0.3%
Plains Commerce Bank $2,870,000 $3,715,000 29.4% 0.3%
GEORGIA'S OWN $70,000 $3,645,000 5,107.1% 0.3%
LENDINGHOME FUNDING CORPORATION $1,290,000 $3,555,000 175.6% 0.3%
Flagstar Bank, FSB $2,080,000 $3,540,000 70.2% 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,880,000 $3,265,000 73.7% 0.3%
Discover Bank $1,955,000 $3,145,000 60.9% 0.3%
GENEVA FINANCIAL, LLC $1,800,000 $2,975,000 65.3% 0.3%
EUSTIS AND AMERICAN MORTGAGE COMPANY $645,000 $2,885,000 347.3% 0.3%
South State Bank $5,345,000 $2,880,000 -46.1% 0.3%
NEW DAY FINANCIAL, LLC $1,305,000 $2,830,000 116.9% 0.2%
Renasant Bank $2,630,000 $2,800,000 6.5% 0.2%
ANGEL OAK MORTGAGE SOLUTIONS LLC $2,785,000 n/a 0.2%
NBKC BANK $275,000 $2,770,000 907.3% 0.2%
Prosperity Home Mortgage, LLC $3,295,000 $2,750,000 -16.5% 0.2%
ACOPIA, LLC $2,015,000 $2,650,000 31.5% 0.2%
Cornerstone First Mortgage, Inc $735,000 $2,500,000 240.1% 0.2%
Bank OZK $545,000 $2,495,000 357.8% 0.2%
Equity Prime Mortgage LLC $1,155,000 $2,480,000 114.7% 0.2%
Morgan Stanley Private Bank $6,665,000 $2,475,000 -62.9% 0.2%
American Pride Bank $1,370,000 $2,420,000 76.6% 0.2%
CANOPY MORTGAGE, LLC $505,000 $2,380,000 371.3% 0.2%
UBS Bank USA $445,000 $2,375,000 433.7% 0.2%
Stifel Bank and Trust $155,000 $2,165,000 1,296.8% 0.2%
Guardian Bank $2,145,000 n/a 0.2%
The Huntington National Bank $2,065,000 n/a 0.2%
AMERISAVE MORTGAGE CORPORATION $2,685,000 $1,990,000 -25.9% 0.2%
DELTA COMMUNITY CREDIT UNION $1,560,000 $1,915,000 22.8% 0.2%
Associated Credit Union $1,395,000 $1,900,000 36.2% 0.2%
UNION HOME MORTGAGE CORP. $460,000 $1,860,000 304.3% 0.2%
VILLAGE CAPITAL MORTGAGE $1,200,000 $1,810,000 50.8% 0.2%
Carrington Mortgage Services, LLC $1,255,000 $1,710,000 36.3% 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $2,980,000 $1,670,000 -44.0% 0.1%
ISERVE RESIDENTIAL LENDING, LLC $265,000 $1,655,000 524.5% 0.1%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $1,455,000 $1,595,000 9.6% 0.1%
MILEND, INC. $1,440,000 $1,560,000 8.3% 0.1%
ZILLOW HOME LOANS, LLC $285,000 $1,500,000 426.3% 0.1%
Trustmark National Bank $1,480,000 n/a 0.1%
FIRST COLONY MORTGAGE CORPORATION $1,420,000 n/a 0.1%
PEACH STATE FEDERAL CREDIT UNION $1,725,000 $1,385,000 -19.7% 0.1%
Figure Lending LLC $1,890,000 $1,380,000 -27.0% 0.1%
BETTER MORTGAGE CORPORATION $715,000 $1,355,000 89.5% 0.1%
LAKEVIEW LOAN SERVICING, LLC $915,000 $1,315,000 43.7% 0.1%
Magnolia State Bank $1,315,000 n/a 0.1%
AgFirst Farm Credit Bank $1,060,000 $1,265,000 19.3% 0.1%
Exchange Bank $1,215,000 n/a 0.1%
United Bank $50,000 $1,210,000 2,320.0% 0.1%
AMWEST FUNDING CORP. $595,000 $1,165,000 95.8% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $350,000 $1,120,000 220.0% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $5,590,000 $1,115,000 -80.1% 0.1%
Third Federal Savings and Loan Association of Cleveland $1,570,000 $1,085,000 -30.9% 0.1%
NATIONS DIRECT MORTGAGE, LLC $530,000 $1,075,000 102.8% 0.1%
THE MORTGAGE FIRM, INC. $1,050,000 n/a 0.1%
EAGLE HOME MORTGAGE, LLC $1,020,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $1,970,000 $1,005,000 -49.0% 0.1%
NP, Inc. $970,000 n/a 0.1%
Pinnacle Bank $175,000 $955,000 445.7% 0.1%
Ally Bank $655,000 $950,000 45.0% 0.1%
American Mortgage & Equity Consultants, Inc. $945,000 n/a 0.1%
The Federal Savings Bank $1,070,000 $940,000 -12.1% 0.1%
First Federal Bank $1,880,000 $935,000 -50.3% 0.1%
AMERICAN FINANCING CORPORATION $565,000 $930,000 64.6% 0.1%
Citadel Servicing Corporation $525,000 $920,000 75.2% 0.1%
First National Bank of Pennsylvania $2,590,000 $875,000 -66.2% 0.1%
Nations Lending Corporation $345,000 $850,000 146.4% 0.1%
General Mortgage Capital Corporation $840,000 n/a 0.1%
Security Federal Bank $835,000 n/a 0.1%
Charles Schwab Bank, SSB $255,000 $830,000 225.5% 0.1%
SWBC MORTGAGE CORPORATION $570,000 $830,000 45.6% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $520,000 $825,000 58.7% 0.1%
Fifth Third Bank $815,000 n/a 0.1%
ALLIANT CREDIT UNION $985,000 $810,000 -17.8% 0.1%
Metro City Bank $720,000 $810,000 12.5% 0.1%
CARDINAL FINANCIAL $900,000 $800,000 -11.1% 0.1%
F&M Bank $550,000 $795,000 44.5% 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $790,000 n/a 0.1%
PLANET HOME LENDING, LLC $785,000 n/a 0.1%
BANK OF MADISON $2,920,000 $765,000 -73.8% 0.1%
REV FEDERAL CREDIT UNION $765,000 n/a 0.1%
STOCKTON MORTGAGE CORPORATION $3,475,000 $765,000 -78.0% 0.1%
AUGUSTA MORTGAGE CO. $755,000 n/a 0.1%
CAPITAL CENTER, L.L.C. $735,000 n/a 0.1%
DOMINION FINANCIAL SERVICES, LLC $720,000 n/a 0.1%
Century Mortgage Company DBA Century Lending Company $245,000 $710,000 189.8% 0.1%
PNC Bank $1,340,000 $710,000 -47.0% 0.1%
AmeriHome Mortgage Company, LLC $460,000 $705,000 53.3% 0.1%
RADIUS FINANCIAL GROUP INC. $705,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $1,000,000 $700,000 -30.0% 0.1%
AHL FUNDING $685,000 n/a 0.1%
First Financial Bank $685,000 n/a 0.1%
Flint Community Bank $195,000 $655,000 235.9% 0.1%
OceanFirst Bank $655,000 n/a 0.1%
CREDIT UNION FINANCIAL SERVICES, LLC $355,000 $650,000 83.1% 0.1%
Wolfe Financial, Inc $650,000 n/a 0.1%
CMG MORTGAGE, INC. $2,340,000 $640,000 -72.6% 0.1%
SRP Federal Credit Union $620,000 n/a 0.1%
SPRING EQ, LLC $835,000 $615,000 -26.3% 0.1%
EVANSVILLE TEACHERS $595,000 n/a 0.1%
SHELTER HOME MORTGAGE, LLC $735,000 $580,000 -21.1% 0.1%
Armed Forces Bank $565,000 n/a 0.0%
Citibank $775,000 $565,000 -27.1% 0.0%
Quontic Bank $485,000 $565,000 16.5% 0.0%
Franklin Loan Corporation $555,000 n/a 0.0%
SUMMIT FUNDING, INC. $550,000 n/a 0.0%
TOWNE MORTGAGE COMPANY $705,000 $545,000 -22.7% 0.0%
The Bank of South Carolina $535,000 n/a 0.0%
CREDIT UNION OF GEORGIA $110,000 $530,000 381.8% 0.0%
AMERICAN HERITAGE LENDING, INC. $520,000 n/a 0.0%
Bethpage Federal Credit Union $1,245,000 $520,000 -58.2% 0.0%
First Heritage Mortgage, LLC $475,000 $515,000 8.4% 0.0%
Loan Simple, Inc. $505,000 n/a 0.0%
LENDINGONE, LLC $485,000 n/a 0.0%
GUARANTEED RATE AFFINITY, LLC $825,000 $480,000 -41.8% 0.0%
First Community Bank $475,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $475,000 n/a 0.0%
Ixonia Bank $465,000 n/a 0.0%
Southern First Bank $465,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $315,000 $460,000 46.0% 0.0%
CITIZENS EQUITY FIRST $170,000 $460,000 170.6% 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $345,000 $450,000 30.4% 0.0%
IVY MORTGAGE, INC. $445,000 n/a 0.0%
Gulf Coast Bank and Trust Company $435,000 n/a 0.0%
PHH Mortgage Corporation $1,125,000 $430,000 -61.8% 0.0%
NMSI, INC. $425,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $695,000 $420,000 -39.6% 0.0%
AMERICAN FEDERAL MORTGAGE CORPORATION $195,000 $415,000 112.8% 0.0%
Tyndall Federal Credit Union $405,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $395,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $590,000 $385,000 -34.7% 0.0%
Logan Finance Corporation $380,000 n/a 0.0%
American Security Mortgage Corp. $375,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $145,000 $375,000 158.6% 0.0%
Leader Bank $370,000 n/a 0.0%
Aurora Financial, LLC $365,000 $365,000 0.0% 0.0%
HOMESPIRE MORTGAGE CORPORATION $245,000 $365,000 49.0% 0.0%
The Central Trust Bank $590,000 $365,000 -38.1% 0.0%
EASTMAN $355,000 n/a 0.0%
Georgia Community Bank $355,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $355,000 n/a 0.0%
VERITAS FUNDING, LLC $355,000 n/a 0.0%
LOANPAL, LLC $350,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $350,000 n/a 0.0%
APCO EMPLOYEES $345,000 n/a 0.0%
Farmers State Bank $345,000 n/a 0.0%
NEW WAVE LENDING GROUP INC $345,000 n/a 0.0%
RELIANCE FIRST CAPITAL, LLC $1,235,000 $340,000 -72.5% 0.0%
First Savings Bank $335,000 n/a 0.0%
INB $335,000 n/a 0.0%
Mortgage Assurance Inc. $325,000 n/a 0.0%
M&T Bank $320,000 n/a 0.0%
The Loan Store, Inc. $265,000 $310,000 17.0% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $195,000 $305,000 56.4% 0.0%
Lakeview Community Capital, LLC $125,000 $305,000 144.0% 0.0%
Northpointe Bank $880,000 $305,000 -65.3% 0.0%
UNITED MORTGAGE CORP $305,000 n/a 0.0%
Waterstone Mortgage Corporation $305,000 n/a 0.0%
ATLANTA POSTAL $550,000 $295,000 -46.4% 0.0%
First National Bank of America $295,000 n/a 0.0%
ALLEGACY FEDERAL CREDIT UNION $65,000 $285,000 338.5% 0.0%
AMERICAN HOME MORTGAGE, INC. $285,000 n/a 0.0%
BAY EQUITY LLC $395,000 $285,000 -27.8% 0.0%
Deere Employees Credit Union $285,000 n/a 0.0%
FirstBank $565,000 $285,000 -49.6% 0.0%
GMFS LLC $1,400,000 $285,000 -79.6% 0.0%
LGE COMMUNITY $440,000 $285,000 -35.2% 0.0%
NORWICH COMMERCIAL GROUP, INC. $315,000 $285,000 -9.5% 0.0%
Atlantic Coast Mortgage, LLC $275,000 n/a 0.0%
FBC MORTGAGE, LLC $8,495,000 $275,000 -96.8% 0.0%
Bell Bank $255,000 n/a 0.0%
Dollar Bank, Federal Savings Bank $255,000 n/a 0.0%
UIF CORPORATION $215,000 $255,000 18.6% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $330,000 $255,000 -22.7% 0.0%
LAFAYETTE FEDERAL CREDIT UNION $245,000 n/a 0.0%
EMM LOANS LLC $235,000 n/a 0.0%
ENDEAVOR CAPITAL, LLC. $235,000 n/a 0.0%
First Horizon Bank $235,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $440,000 $235,000 -46.6% 0.0%
Baxter Credit Union $135,000 $225,000 66.7% 0.0%
First Citizens National Bank $225,000 n/a 0.0%
Goldwater Bank, N.A. $85,000 $225,000 164.7% 0.0%
MEMBER FIRST MORTGAGE, LLC $585,000 $225,000 -61.5% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $225,000 n/a 0.0%
1ST SIGNATURE LENDING, LLC $650,000 $215,000 -66.9% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $915,000 $215,000 -76.5% 0.0%
Merchants & Marine Bank $215,000 n/a 0.0%
Peach State Bank & Trust $205,000 $215,000 4.9% 0.0%
Alcova Mortgage LLC $440,000 $205,000 -53.4% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $360,000 $205,000 -43.1% 0.0%
First Financial Bank $205,000 n/a 0.0%
FIRST TECHNOLOGY $125,000 $205,000 64.0% 0.0%
OCMBC, INC. $930,000 $205,000 -78.0% 0.0%
TOWER $670,000 $205,000 -69.4% 0.0%
UNITED PREMIER FUNDING, LLC $205,000 n/a 0.0%
Morris Bank $195,000 n/a 0.0%
SENTE MORTGAGE, INC. $195,000 n/a 0.0%
First Carolina Bank $185,000 n/a 0.0%
JMAC LENDING, INC. $185,000 n/a 0.0%
North American Savings Bank, F.S.B. $185,000 n/a 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $185,000 n/a 0.0%
NexBank $1,505,000 $175,000 -88.4% 0.0%
SOUTH COAST BANK AND TRUST $335,000 $175,000 -47.8% 0.0%
LONGBRIDGE FINANCIAL, LLC $395,000 $165,000 -58.2% 0.0%
INTERCOASTAL MORTGAGE COMPANY $155,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $1,120,000 $155,000 -86.2% 0.0%
The Citizens Bank of Georgia $1,305,000 $150,000 -88.5% 0.0%
HALLCO COMMUNITY CREDIT UNION $145,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $145,000 n/a 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $125,000 n/a 0.0%
MORTGAGE INVESTORS GROUP, INC. $1,090,000 $125,000 -88.5% 0.0%
First Reliance Bank $105,000 n/a 0.0%
PeoplesSouth Bank $105,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $280,000 $105,000 -62.5% 0.0%
Commercial Banking Company $220,000 $95,000 -56.8% 0.0%
The Peoples Bank of Georgia $75,000 n/a 0.0%
The Piedmont Bank $75,000 n/a 0.0%
TENNESSEE VALLEY $45,000 n/a 0.0%
S. C. TELCO $255,000 $35,000 -86.3% 0.0%

ATHENS - CLARKE COUNTY's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 6.0% market share. In second place, with 5.1%, is Synovus Bank, having originated $58,890,000 in loans. In third place, with 4.7%, is QUICKEN LOANS, LLC, having originated $54,270,000 in loans. In fourth place, with 4.5%, is Regions Bank, having originated $51,080,000 in loans. In fifth place, with 3.9%, is First American Bank and Trust Company, having originated $44,435,000 in loans.

ATHENS-CLARKE COUNTY, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,987 $740,825,000 $372,836
Refi 489 $202,995,000 $415,123
Cash Out Refi 480 $112,240,000 $233,833
Other 429 $53,375,000 $124,417
Home Improvement 335 $34,565,000 $103,179

Athens - Clarke County's most frequently cited loan purpose was Home Purchase, with 1,987 originations. The 2nd most popular reason was Refi, with 489 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,418 $466,620,000 $329,069
Over 8% 675 $105,565,000 $156,393
7-8% 667 $232,615,000 $348,748
5-6% 478 $211,530,000 $442,531
4-5% 27 $8,265,000 $306,111
<2.5% 20 $220,000 $11,000
3-4% 3 $3,535,000 $1,178,333
2.5-3% 3 $895,000 $298,333

During 2024, Athens - Clarke County's most frequently originated rate bucket was 6-7%, with 1,418 originations.

Loan Sizing (ATHENS-CLARKE COUNTY, GA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,621 $462,845,000 $285,531
$100k-200k 762 $112,410,000 $147,520
$100,000 or less 669 $38,025,000 $56,839
$400k-600k 421 $200,495,000 $476,235
$600k-1000k 191 $139,825,000 $732,068
$Over $1MM 56 $190,400,000 $3,400,000

ATHENS - CLARKE COUNTY's loan sizing saw the bucket of loans from $200k-400k with 1,621 originations, totaling $462,845,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,111 $399,355,000 $359,455
60-80% 851 $349,845,000 $411,099
Under 20% 511 $35,665,000 $69,795
20-40% 458 $71,840,000 $156,856
40-60% 350 $106,720,000 $304,914
Over 100% 37 $60,295,000 $1,629,595

ATHENS - CLARKE COUNTY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,111 originations, totaling $399,355,000 in origination value.