ATHENS - CLARKE COUNTY Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Athens - Clarke County averaged
6.45%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.48% and
one month ago for the week of 2024-10-03, the
average rate was 5.88%.
Athens - Clarke County's average rate one year ago was 7.82%.
For refis of the same type during the week of 2024-11-07, the average rate
was 7.35%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| Athens - Clarke County 30 Year Fixed Rate | 2024-11-07 | 6.45% |
| Athens - Clarke County 30 Year Fixed Rate Refi | 2024-11-07 | 7.35% |
| Athens - Clarke County 15 Year Fixed Rate | 2024-11-07 | 5.9% |
| Athens - Clarke County 15 Year Fixed Rate Refi | 2024-11-07 | 6.6% |
| Athens - Clarke County 30 Year FHA | 2024-11-07 | 6.05% |
| Athens - Clarke County 30 Year FHA Refi | 2024-11-07 | 6.53% |
| Athens - Clarke County 30 Year USDA | 2024-11-07 | 6.38% |
| Athens - Clarke County 30 Year USDA Refi | 2024-11-07 | 6.48% |
| Athens - Clarke County 30 Year VA | 2024-11-07 | 6.2% |
| Athens - Clarke County 30 Year VA Refi | 2024-11-07 | 6.54% |
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.).
ATHENS - CLARKE COUNTY Average Closing Costs & Other Stats
ATHENS-CLARKE COUNTY, GA's 145 lenders originated 3,354
loans during 2023. The total origination value was $887,870,000, with an average loan value of
$264,720.
ATHENS - CLARKE COUNTY's average closing costs are $5,313.
The top ATHENS - CLARKE COUNTY lender as defined by loan originations is Regions Bank, with
101 loans originated. Their average total fees are
$6,654, which is $924
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee ATHENS - CLARKE COUNTY lenders (with over 10 loans originated) are
Bank of England ($4,761), First American Bank and Trust Company ($5,150), Bank of America ($5,198), GEORGIA UNITED ($5,202) and Paramount Residential Mortgage Group, Inc. ($5,603).
The lowest rate ATHENS - CLARKE COUNTY lenders (with over 10 loans originated) are
PROVIDENT FUNDING ASSOCIATES, L.P. (6.21%), Synovus Bank (6.26%), Capital City Home Loans, LLC (6.27%), HOMESTAR FINANCIAL CORPORATION (6.27%) and Regions Bank (6.34%).
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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| First American Bank and Trust Company | $62,110,000 | $50,870,000 | -18.1% | 5.7% |
| Synovus Bank | $112,780,000 | $49,590,000 | -56.0% | 5.6% |
| Regions Bank | $67,565,000 | $45,105,000 | -33.2% | 5.1% |
| QUICKEN LOANS, LLC | $69,445,000 | $42,580,000 | -38.7% | 4.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $41,625,000 | $39,655,000 | -4.7% | 4.5% |
| GUARANTEED RATE, INC. | $45,060,000 | $32,320,000 | -28.3% | 3.6% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $35,910,000 | $26,705,000 | -25.6% | 3.0% |
| Oconee State Bank | $39,070,000 | $26,485,000 | -32.2% | 3.0% |
| Ameris Bank | $39,085,000 | $23,510,000 | -39.8% | 2.6% |
| United Community Bank | $17,345,000 | $22,865,000 | 31.8% | 2.6% |
| Bank of England | $48,450,000 | $22,725,000 | -53.1% | 2.6% |
| MOVEMENT MORTGAGE, LLC | $19,990,000 | $21,960,000 | 9.9% | 2.5% |
| The Commercial Bank | $31,925,000 | $18,955,000 | -40.6% | 2.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $31,780,000 | $16,310,000 | -48.7% | 1.8% |
| Colony Bank | $25,080,000 | $15,555,000 | -38.0% | 1.8% |
| Truist | $27,235,000 | $15,020,000 | -44.9% | 1.7% |
| EVERETT FINANCIAL, INC. | $30,860,000 | $14,030,000 | -54.5% | 1.6% |
| ROBINS FINANCIAL | $8,930,000 | $13,225,000 | 48.1% | 1.5% |
| BankSouth | $11,465,000 | $10,780,000 | -6.0% | 1.2% |
| HOMESTAR FINANCIAL CORPORATION | $29,300,000 | $10,520,000 | -64.1% | 1.2% |
| GEORGIA UNITED | $11,955,000 | $9,905,000 | -17.1% | 1.1% |
| Pinnacle Bank | $15,550,000 | $9,375,000 | -39.7% | 1.1% |
| Bank of America | $10,310,000 | $8,745,000 | -15.2% | 1.0% |
| BancorpSouth | $1,890,000 | $8,730,000 | 361.9% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $13,495,000 | $8,725,000 | -35.3% | 1.0% |
| FBC MORTGAGE, LLC | $1,545,000 | $8,495,000 | 449.8% | 1.0% |
| Mortgage Research Center, LLC | $9,970,000 | $8,185,000 | -17.9% | 0.9% |
| Magnolia Bank | $20,375,000 | $8,055,000 | -60.5% | 0.9% |
| LIMA ONE CAPITAL, LLC | $7,240,000 | $7,250,000 | 0.1% | 0.8% |
| Paramount Residential Mortgage Group, Inc. | $215,000 | $7,155,000 | 3,227.9% | 0.8% |
| Capital City Home Loans, LLC | $11,695,000 | $7,125,000 | -39.1% | 0.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $5,180,000 | $6,760,000 | 30.5% | 0.8% |
| First Option Mortgage, LLC | $4,490,000 | $6,670,000 | 48.6% | 0.8% |
| Morgan Stanley Private Bank | $4,900,000 | $6,665,000 | 36.0% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $9,325,000 | $6,270,000 | -32.8% | 0.7% |
| 21ST MORTGAGE CORPORATION | $5,690,000 | $5,945,000 | 4.5% | 0.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,005,000 | $5,655,000 | 462.7% | 0.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,225,000 | $5,590,000 | 7.0% | 0.6% |
| U.S. Bank | $2,145,000 | $5,460,000 | 154.5% | 0.6% |
| South State Bank | $9,065,000 | $5,345,000 | -41.0% | 0.6% |
| LOANDEPOT.COM, LLC | $10,045,000 | $5,100,000 | -49.2% | 0.6% |
| Wells Fargo Bank | $15,255,000 | $5,040,000 | -67.0% | 0.6% |
| BROKER SOLUTIONS, INC. | $4,245,000 | $4,780,000 | 12.6% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $8,010,000 | $4,465,000 | -44.3% | 0.5% |
| First-Citizens Bank & Trust Company | $6,230,000 | $3,615,000 | -42.0% | 0.4% |
| STOCKTON MORTGAGE CORPORATION | $1,025,000 | $3,475,000 | 239.0% | 0.4% |
| Prosperity Home Mortgage, LLC | $1,980,000 | $3,295,000 | 66.4% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $9,300,000 | $3,205,000 | -65.5% | 0.4% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $3,855,000 | $3,175,000 | -17.6% | 0.4% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $3,120,000 | $2,980,000 | -4.5% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,420,000 | $2,960,000 | 22.3% | 0.3% |
| BANK OF MADISON | $2,920,000 | n/a | 0.3% | |
| Plains Commerce Bank | $2,870,000 | n/a | 0.3% | |
| AMERISAVE MORTGAGE CORPORATION | $6,585,000 | $2,685,000 | -59.2% | 0.3% |
| Renasant Bank | $3,575,000 | $2,630,000 | -26.4% | 0.3% |
| First National Bank of Pennsylvania | $175,000 | $2,590,000 | 1,380.0% | 0.3% |
| NEWREZ LLC | $3,315,000 | $2,560,000 | -22.8% | 0.3% |
| CMG MORTGAGE, INC. | $1,240,000 | $2,340,000 | 88.7% | 0.3% |
| Flagstar Bank, FSB | $5,435,000 | $2,080,000 | -61.7% | 0.2% |
| ACOPIA, LLC | $1,685,000 | $2,015,000 | 19.6% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,970,000 | n/a | 0.2% | |
| Discover Bank | $1,925,000 | $1,955,000 | 1.6% | 0.2% |
| JPMorgan Chase Bank | $5,845,000 | $1,920,000 | -67.2% | 0.2% |
| Figure Lending LLC | $1,195,000 | $1,890,000 | 58.2% | 0.2% |
| First Federal Bank | $7,580,000 | $1,880,000 | -75.2% | 0.2% |
| USAA Federal Savings Bank | $1,845,000 | $1,880,000 | 1.9% | 0.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $3,800,000 | $1,880,000 | -50.5% | 0.2% |
| GENEVA FINANCIAL, LLC | $2,035,000 | $1,800,000 | -11.5% | 0.2% |
| PEACH STATE FEDERAL CREDIT UNION | $2,315,000 | $1,725,000 | -25.5% | 0.2% |
| Third Federal Savings and Loan Association of Cleveland | $1,710,000 | $1,570,000 | -8.2% | 0.2% |
| DELTA COMMUNITY CREDIT UNION | $2,300,000 | $1,560,000 | -32.2% | 0.2% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $1,340,000 | $1,550,000 | 15.7% | 0.2% |
| NexBank | $10,555,000 | $1,505,000 | -85.7% | 0.2% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $905,000 | $1,455,000 | 60.8% | 0.2% |
| MILEND, INC. | $1,920,000 | $1,440,000 | -25.0% | 0.2% |
| GMFS LLC | $730,000 | $1,400,000 | 91.8% | 0.2% |
| Associated Credit Union | $135,000 | $1,395,000 | 933.3% | 0.2% |
| American Pride Bank | $1,370,000 | n/a | 0.2% | |
| PNC Bank | $4,180,000 | $1,340,000 | -67.9% | 0.2% |
| NEW DAY FINANCIAL, LLC | $1,655,000 | $1,305,000 | -21.1% | 0.1% |
| The Citizens Bank of Georgia | $1,305,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $2,345,000 | $1,290,000 | -45.0% | 0.1% |
| Vista Bank | $1,265,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $2,275,000 | $1,255,000 | -44.8% | 0.1% |
| Bethpage Federal Credit Union | $475,000 | $1,245,000 | 162.1% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $1,995,000 | $1,235,000 | -38.1% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $360,000 | $1,220,000 | 238.9% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $260,000 | $1,200,000 | 361.5% | 0.1% |
| Equity Prime Mortgage LLC | $1,210,000 | $1,155,000 | -4.5% | 0.1% |
| GUILD MORTGAGE COMPANY | $650,000 | $1,140,000 | 75.4% | 0.1% |
| PHH Mortgage Corporation | $1,210,000 | $1,125,000 | -7.0% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $160,000 | $1,120,000 | 600.0% | 0.1% |
| BMO Harris Bank | $1,090,000 | n/a | 0.1% | |
| MORTGAGE INVESTORS GROUP, INC. | $175,000 | $1,090,000 | 522.9% | 0.1% |
| The Federal Savings Bank | $755,000 | $1,070,000 | 41.7% | 0.1% |
| AgFirst Farm Credit Bank | $1,040,000 | $1,060,000 | 1.9% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $1,470,000 | $1,040,000 | -29.3% | 0.1% |
| NFM, INC. | $1,015,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $1,255,000 | $1,000,000 | -20.3% | 0.1% |
| ALLIANT CREDIT UNION | $790,000 | $985,000 | 24.7% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $2,845,000 | $980,000 | -65.6% | 0.1% |
| Presidential Bank, FSB | $970,000 | n/a | 0.1% | |
| PrimeSouth Bank | $505,000 | $955,000 | 89.1% | 0.1% |
| OCMBC, INC. | $930,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $2,115,000 | $915,000 | -56.7% | 0.1% |
| LIBERTY HOME MORTGAGE CORPORATION | $450,000 | $915,000 | 103.3% | 0.1% |
| CARDINAL FINANCIAL | $3,530,000 | $900,000 | -74.5% | 0.1% |
| Northpointe Bank | $2,425,000 | $880,000 | -63.7% | 0.1% |
| SPRING EQ, LLC | $2,090,000 | $835,000 | -60.0% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $825,000 | n/a | 0.1% | |
| Farmers Bank & Trust | $790,000 | n/a | 0.1% | |
| Citibank | $525,000 | $775,000 | 47.6% | 0.1% |
| Cornerstone First Mortgage, Inc | $735,000 | n/a | 0.1% | |
| SHELTER HOME MORTGAGE, LLC | $1,180,000 | $735,000 | -37.7% | 0.1% |
| Metro City Bank | $795,000 | $720,000 | -9.4% | 0.1% |
| BETTER MORTGAGE CORPORATION | $5,380,000 | $715,000 | -86.7% | 0.1% |
| TOWNE MORTGAGE COMPANY | $545,000 | $705,000 | 29.4% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $155,000 | $695,000 | 348.4% | 0.1% |
| Citizens Bank | $1,185,000 | $675,000 | -43.0% | 0.1% |
| TOWER | $670,000 | n/a | 0.1% | |
| CONTOUR MORTGAGE CORPORATION | $665,000 | n/a | 0.1% | |
| Ally Bank | $4,005,000 | $655,000 | -83.6% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $335,000 | $650,000 | 94.0% | 0.1% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $645,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $105,000 | $645,000 | 514.3% | 0.1% |
| AMWEST FUNDING CORP. | $1,865,000 | $595,000 | -68.1% | 0.1% |
| The Central Trust Bank | $65,000 | $590,000 | 807.7% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $775,000 | $590,000 | -23.9% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $1,300,000 | $585,000 | -55.0% | 0.1% |
| Peoples Bank & Trust | $575,000 | n/a | 0.1% | |
| SWBC MORTGAGE CORPORATION | $570,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $1,800,000 | $565,000 | -68.6% | 0.1% |
| FirstBank | $1,440,000 | $565,000 | -60.8% | 0.1% |
| First National Bank of Griffin | $4,200,000 | $565,000 | -86.5% | 0.1% |
| GREENSTATE CREDIT UNION | $565,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $415,000 | $550,000 | 32.5% | 0.1% |
| ATLANTA POSTAL | $1,140,000 | $550,000 | -51.8% | 0.1% |
| F&M Bank | $1,005,000 | $550,000 | -45.3% | 0.1% |
| Bank OZK | $3,815,000 | $545,000 | -85.7% | 0.1% |
| BankPlus | $535,000 | n/a | 0.1% | |
| NATIONS DIRECT MORTGAGE, LLC | $785,000 | $530,000 | -32.5% | 0.1% |
| Citadel Servicing Corporation | $1,110,000 | $525,000 | -52.7% | 0.1% |
| GEO-CORP, INC. | $525,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $520,000 | n/a | 0.1% | |
| ALAMEDA MORTGAGE CORPORATION | $405,000 | $515,000 | 27.2% | 0.1% |
| Kwik Mortgage Corporation | $500,000 | $515,000 | 3.0% | 0.1% |
| ALLIED MORTGAGE GROUP, INC. | $460,000 | $505,000 | 9.8% | 0.1% |
| BNC National Bank | $505,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $505,000 | n/a | 0.1% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $1,500,000 | $500,000 | -66.7% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $265,000 | $490,000 | 84.9% | 0.1% |
| Quontic Bank | $245,000 | $485,000 | 98.0% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $480,000 | n/a | 0.1% | |
| First Heritage Mortgage, LLC | $425,000 | $475,000 | 11.8% | 0.1% |
| AmeriHome Mortgage Company, LLC | $1,290,000 | $460,000 | -64.3% | 0.1% |
| UNION HOME MORTGAGE CORP. | $535,000 | $460,000 | -14.0% | 0.1% |
| UBS Bank USA | $1,410,000 | $445,000 | -68.4% | 0.1% |
| Alcova Mortgage LLC | $555,000 | $440,000 | -20.7% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $930,000 | $440,000 | -52.7% | 0.0% |
| LGE COMMUNITY | $255,000 | $440,000 | 72.5% | 0.0% |
| TC FEDERAL BANK | $425,000 | n/a | 0.0% | |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $415,000 | n/a | 0.0% | |
| Coastal Carolina National Bank | $405,000 | n/a | 0.0% | |
| Valley National Bank | $405,000 | n/a | 0.0% | |
| SANCTUARY HOME MORTGAGE LLC | $275,000 | $400,000 | 45.5% | 0.0% |
| BAY EQUITY LLC | $185,000 | $395,000 | 113.5% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $490,000 | $395,000 | -19.4% | 0.0% |
| OAKTREE FUNDING CORP. | $390,000 | n/a | 0.0% | |
| Assurance Financial Group, L.L.C. | $455,000 | $375,000 | -17.6% | 0.0% |
| BM Real Estate Services, Inc. | $375,000 | n/a | 0.0% | |
| CRESCENT MORTGAGE COMPANY | $1,685,000 | $375,000 | -77.7% | 0.0% |
| HOMESTEAD FUNDING CORP. | $375,000 | n/a | 0.0% | |
| THE EQUITABLE MORTGAGE CORPORATION | $375,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $1,615,000 | $375,000 | -76.8% | 0.0% |
| LENDSURE MORTGAGE CORP. | $165,000 | $370,000 | 124.2% | 0.0% |
| Aurora Financial, LLC | $365,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $360,000 | n/a | 0.0% | |
| CLEARPATH LENDING | $490,000 | $355,000 | -27.6% | 0.0% |
| CREDIT UNION FINANCIAL SERVICES, LLC | $105,000 | $355,000 | 238.1% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,130,000 | $350,000 | -69.0% | 0.0% |
| ARC HOME LLC | $345,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,765,000 | $345,000 | -80.5% | 0.0% |
| Nations Lending Corporation | $2,510,000 | $345,000 | -86.3% | 0.0% |
| SILVER HILL FUNDING, LLC | $585,000 | $340,000 | -41.9% | 0.0% |
| SOUTH COAST BANK AND TRUST | $335,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $330,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $315,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $315,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $305,000 | n/a | 0.0% | |
| THRIVE MORTGAGE, LLC | $115,000 | $295,000 | 156.5% | 0.0% |
| Commerce Home Mortgage, Inc. | $1,215,000 | $285,000 | -76.5% | 0.0% |
| ZILLOW HOME LOANS, LLC | $155,000 | $285,000 | 83.9% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $280,000 | n/a | 0.0% | |
| SOUTHWEST STAGE FUNDING, LLC | $280,000 | n/a | 0.0% | |
| Brighton Bank | $275,000 | n/a | 0.0% | |
| NBKC BANK | $510,000 | $275,000 | -46.1% | 0.0% |
| Raymond James Bank | $275,000 | n/a | 0.0% | |
| COMMUNITY MORTGAGE CORPORATION | $270,000 | n/a | 0.0% | |
| ISERVE RESIDENTIAL LENDING, LLC | $915,000 | $265,000 | -71.0% | 0.0% |
| The Loan Store, Inc. | $265,000 | n/a | 0.0% | |
| SOUTHEASTERN Credit Union | $260,000 | n/a | 0.0% | |
| Uwharrie Bank | $260,000 | n/a | 0.0% | |
| Charles Schwab Bank, SSB | $1,705,000 | $255,000 | -85.0% | 0.0% |
| DIRECT LENDERS, LLC | $255,000 | n/a | 0.0% | |
| Queensborough National Bank & Trust Company | $255,000 | n/a | 0.0% | |
| S. C. TELCO | $535,000 | $255,000 | -52.3% | 0.0% |
| Century Mortgage Company DBA Century Lending Company | $390,000 | $245,000 | -37.2% | 0.0% |
| HOMESPIRE MORTGAGE CORPORATION | $205,000 | $245,000 | 19.5% | 0.0% |
| WINGS FINANCIAL | $245,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $370,000 | $235,000 | -36.5% | 0.0% |
| United Nations Federal Credit Union | $225,000 | n/a | 0.0% | |
| Commercial Banking Company | $145,000 | $220,000 | 51.7% | 0.0% |
| SOVEREIGN LENDING GROUP INCORPORATED | $215,000 | n/a | 0.0% | |
| UIF CORPORATION | $215,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $205,000 | n/a | 0.0% | |
| First State Bank of Blakely, Inc. | $540,000 | $205,000 | -62.0% | 0.0% |
| Peach State Bank & Trust | $205,000 | n/a | 0.0% | |
| US MORTGAGE CORPORATION | $1,950,000 | $205,000 | -89.5% | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $195,000 | n/a | 0.0% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,615,000 | $195,000 | -87.9% | 0.0% |
| Arvest Bank | $320,000 | $195,000 | -39.1% | 0.0% |
| Flint Community Bank | $370,000 | $195,000 | -47.3% | 0.0% |
| Northwest Federal Credit Union | $275,000 | $195,000 | -29.1% | 0.0% |
| DAS Acquisition Company, LLC | $735,000 | $185,000 | -74.8% | 0.0% |
| NJ LENDERS CORP. | $185,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $145,000 | $185,000 | 27.6% | 0.0% |
| V.I.P. MORTGAGE, INC. | $185,000 | n/a | 0.0% | |
| Pinnacle Bank | $15,550,000 | $175,000 | -98.9% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $75,000 | $175,000 | 133.3% | 0.0% |
| United Bank | $1,145,000 | $175,000 | -84.7% | 0.0% |
| CITIZENS EQUITY FIRST | $170,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $165,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $160,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $235,000 | $155,000 | -34.0% | 0.0% |
| Stifel Bank and Trust | $155,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $690,000 | $145,000 | -79.0% | 0.0% |
| Thomasville National Bank | $785,000 | $145,000 | -81.5% | 0.0% |
| Baxter Credit Union | $45,000 | $135,000 | 200.0% | 0.0% |
| Capital City Bank | $155,000 | $135,000 | -12.9% | 0.0% |
| Credit Union 1 | $135,000 | n/a | 0.0% | |
| FIRST TECHNOLOGY | $105,000 | $125,000 | 19.0% | 0.0% |
| Lakeview Community Capital, LLC | $840,000 | $125,000 | -85.1% | 0.0% |
| USAlliance Federal Credit Union | $185,000 | $125,000 | -32.4% | 0.0% |
| ACADEMY MORTGAGE CORPORATION | $365,000 | $115,000 | -68.5% | 0.0% |
| Capital Bank | $115,000 | n/a | 0.0% | |
| CREDIT UNION OF GEORGIA | $375,000 | $110,000 | -70.7% | 0.0% |
| CHERRY CREEK MORTGAGE, LLC | $105,000 | n/a | 0.0% | |
| First American Bank | $105,000 | n/a | 0.0% | |
| SOUTH CAROLINA FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| Goldwater Bank, N.A. | $135,000 | $85,000 | -37.0% | 0.0% |
| Truliant Federal Credit Union | $390,000 | $85,000 | -78.2% | 0.0% |
| TEXANS | $75,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $1,385,000 | $70,000 | -94.9% | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | $820,000 | $65,000 | -92.1% | 0.0% |
| Connexus Credit Union | $55,000 | n/a | 0.0% | |
| United Bank | $1,145,000 | $50,000 | -95.6% | 0.0% |
| STATE EMPLOYEES' | $700,000 | $45,000 | -93.6% | 0.0% |
ATHENS - CLARKE COUNTY's top lender by overall market share is First American Bank and Trust Company, with 5.7% market share. In second place, with 5.6%, is Synovus Bank, having originated $49,590,000 in loans. In third place, with 5.1%, is Regions Bank, having originated $45,105,000 in loans. In fourth place, with 4.8%, is QUICKEN LOANS, LLC, having originated $42,580,000 in loans. In fifth place, with 4.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $39,655,000 in loans.
ATHENS-CLARKE COUNTY, GA Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 30530 | Athens-Clarke County, GA MSA | $770 | $820 | $930 | $1,250 | $1,420 |
| 30565 | Athens-Clarke County, GA MSA | $770 | $820 | $930 | $1,250 | $1,420 |
| 30601 | Athens-Clarke County, GA MSA | $820 | $870 | $990 | $1,330 | $1,510 |
| 30602 | Athens-Clarke County, GA MSA | $830 | $880 | $1,000 | $1,340 | $1,520 |
| 30603 | Athens-Clarke County, GA MSA | $830 | $880 | $1,000 | $1,340 | $1,520 |
| 30604 | Athens-Clarke County, GA MSA | $830 | $880 | $1,000 | $1,340 | $1,520 |
| 30605 | Athens-Clarke County, GA MSA | $830 | $880 | $1,000 | $1,340 | $1,520 |
| 30606 | Athens-Clarke County, GA MSA | $910 | $970 | $1,100 | $1,480 | $1,680 |
| 30607 | Athens-Clarke County, GA MSA | $800 | $850 | $960 | $1,290 | $1,460 |
| 30608 | Athens-Clarke County, GA MSA | $830 | $880 | $1,000 | $1,340 | $1,520 |
| 30609 | Athens-Clarke County, GA MSA | $830 | $880 | $1,000 | $1,340 | $1,520 |
| 30619 | Athens-Clarke County, GA MSA | $950 | $1,010 | $1,150 | $1,540 | $1,750 |
| 30621 | Athens-Clarke County, GA MSA | $840 | $880 | $1,020 | $1,350 | $1,590 |
| 30622 | Athens-Clarke County, GA MSA | $1,050 | $1,110 | $1,260 | $1,690 | $1,920 |
| 30624 | Athens-Clarke County, GA MSA | $670 | $710 | $810 | $1,090 | $1,270 |
| 30627 | Athens-Clarke County, GA MSA | $680 | $720 | $820 | $1,100 | $1,270 |
| 30628 | Athens-Clarke County, GA MSA | $680 | $720 | $820 | $1,100 | $1,270 |
| 30629 | Athens-Clarke County, GA MSA | $690 | $730 | $830 | $1,110 | $1,270 |
| 30630 | Athens-Clarke County, GA MSA | $670 | $710 | $810 | $1,090 | $1,270 |
| 30633 | Athens-Clarke County, GA MSA | $670 | $710 | $810 | $1,090 | $1,270 |
| 30638 | Athens-Clarke County, GA MSA | $960 | $1,020 | $1,160 | $1,560 | $1,770 |
| 30645 | Athens-Clarke County, GA MSA | $960 | $1,020 | $1,160 | $1,560 | $1,770 |
| 30646 | Athens-Clarke County, GA MSA | $750 | $800 | $910 | $1,220 | $1,390 |
| 30647 | Athens-Clarke County, GA MSA | $700 | $740 | $840 | $1,130 | $1,280 |
| 30648 | Athens-Clarke County, GA MSA | $670 | $710 | $810 | $1,090 | $1,270 |
| 30660 | Athens-Clarke County, GA MSA | $670 | $710 | $810 | $1,090 | $1,270 |
| 30662 | Athens-Clarke County, GA MSA | $670 | $710 | $810 | $1,090 | $1,270 |
| 30666 | Athens-Clarke County, GA MSA | $1,120 | $1,150 | $1,300 | $1,610 | $1,940 |
| 30667 | Athens-Clarke County, GA MSA | $750 | $790 | $900 | $1,220 | $1,380 |
| 30669 | Athens-Clarke County, GA MSA | $750 | $790 | $900 | $1,210 | $1,370 |
| 30677 | Athens-Clarke County, GA MSA | $920 | $980 | $1,110 | $1,490 | $1,690 |
| 30680 | Athens-Clarke County, GA MSA | $1,120 | $1,150 | $1,300 | $1,580 | $1,930 |
| 30683 | Athens-Clarke County, GA MSA | $800 | $860 | $970 | $1,300 | $1,480 |
2022 Average & Median Rent Data Statistics
ATHENS-CLARKE COUNTY, GA average 1BR rent: $859, median: $860
ATHENS-CLARKE COUNTY, GA average 2BR rent: $976, median: $970
ATHENS-CLARKE COUNTY, GA average 3BR rent: $1,302, median: $1,300
ATHENS-CLARKE COUNTY, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,847 | $617,735,000 | $334,453 |
| Cash Out Refi | 397 | $81,845,000 | $206,159 |
| Refi | 391 | $111,285,000 | $284,616 |
| Other | 362 | $41,420,000 | $114,420 |
| Home Improvement | 357 | $35,585,000 | $99,678 |
Athens - Clarke County's most frequently cited loan purpose was Home Purchase, with 1,847 originations. The 2nd most popular reason was Cash Out Refi, with 397 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,157 | $339,525,000 | $293,453 |
| 7-8% | 671 | $168,945,000 | $251,781 |
| Over 8% | 568 | $80,410,000 | $141,567 |
| 5-6% | 472 | $190,640,000 | $403,898 |
| 4-5% | 48 | $14,760,000 | $307,500 |
| <2.5% | 8 | $140,000 | $17,500 |
| 3-4% | 6 | $640,000 | $106,667 |
| 2.5-3% | 4 | $730,000 | $182,500 |
During 2023, Athens - Clarke County's most frequently originated rate bucket was 6-7%, with 1,157 originations.
Loan Sizing (ATHENS-CLARKE COUNTY, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,371 | $383,965,000 | $280,062 |
| $100k-200k | 772 | $113,600,000 | $147,150 |
| $100,000 or less | 723 | $41,405,000 | $57,268 |
| $400k-600k | 303 | $146,485,000 | $483,449 |
| $600k-1000k | 150 | $108,090,000 | $720,600 |
| $Over $1MM | 35 | $94,325,000 | $2,695,000 |
ATHENS - CLARKE COUNTY's loan sizing saw the bucket of loans from $200k-400k with 1,371 originations, totaling $383,965,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,014 | $340,200,000 | $335,503 |
| 60-80% | 740 | $247,160,000 | $334,000 |
| Under 20% | 493 | $33,205,000 | $67,353 |
| 20-40% | 398 | $54,960,000 | $138,090 |
| 40-60% | 323 | $114,065,000 | $353,142 |
| Over 100% | 35 | $11,735,000 | $335,286 |
ATHENS - CLARKE COUNTY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,014 originations, totaling $340,200,000 in origination value.