Athens Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Athens averaged 7.4% for the week of 2023-11-30, compared to the national average of 7.22% for the same period.

    The average rate for the prior week (2023-11-22) was 7.27% and one month ago for the week of 2023-10-26, the average rate was 7.67%.

    Athens's average rate one year ago was 6.76%.

    For refis of the same type during the week of 2023-11-30, the average rate was 7.62%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-11-30 7.22%
    Athens 30 Year Fixed Rate 2023-11-30 7.4%
    Athens 30 Year Fixed Rate Refi 2023-11-30 7.62%
    Athens 15 Year Fixed Rate 2023-11-30 6.76%
    Athens 15 Year Fixed Rate Refi 2023-11-30 6.96%
    Athens 30 Year FHA 2023-11-30 7.05%
    Athens 30 Year FHA Refi 2023-11-30 6.75%
    Athens 30 Year USDA 2023-11-30 6.8%
    Athens 30 Year USDA Refi 2023-11-30 7.1%
    Athens 30 Year VA 2023-11-30 6.77%
    Athens 30 Year VA Refi 2023-11-30 6.87%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Athens, OH.

    Athens 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, OH 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    UNION HOME MORTGAGE CORP. 32 5.49% $4,344
    QUICKEN LOANS, LLC 20 5.16% $6,167
    Peoples Bank 17 5.59% $3,854
    JPMorgan Chase Bank 17 4.63% $2,840
    T2 FINANCIAL LLC 10 5.66% $4,319
    THE VINTON COUNTY NATIONAL BANK 9 5.17% $2,869
    The Huntington National Bank 9 5.02% $4,924
    RUOFF MORTGAGE COMPANY, INC. 9 5.13% $4,752
    RAPID MORTGAGE COMPANY 8 5.62% $5,478
    The Park National Bank 6 5.27% $3,582
    Third Federal Savings and Loan Association of Cleveland 5 3.93% $3,090
    HOMESIDE FINANCIAL, LLC 4 5.31% $4,555
    UNITED WHOLESALE MORTGAGE, LLC 4 5.51% $5,173
    Farm Credit Mid-America, ACA 4 4.64% $6,207
    WesBanco 4 4.38% $4,145
    PNC Bank 4 4.88% $3,872
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 4.87% $3,820
    LOANDEPOT.COM, LLC 3 5.58% $3,809
    Union Savings Bank 3 3.67% $916
    Fifth Third Bank 3 4.62% $2,980
    Flagstar Bank, FSB 3 5.21% $5,503
    FIRST OHIO HOME FINANCE, INC. 2 6.19% $3,107
    GSF Mortgage Corporation 2 6.53% $6,113
    GUARANTEED RATE, INC. 2 5.55% $5,376
    AMERISAVE MORTGAGE CORPORATION 2 4.56% $11,713
    PRIORITY MORTGAGE CORP. 2 4.88% $5,573
    J. VIRGIL, INC. 2 5.00% $4,764
    ROYAL UNITED MORTGAGE LLC 2 5.63% $10,975
    ENDEAVOR CAPITAL, LLC. 2 5.63% $2,563
    EQUITY RESOURCES, INC. 2 4.13% $3,608
    Bank of America 2 4.31% $8,431
    Mr. Cooper ( Nationstar Mortgage ) 2 5.74% $5,602
    Ally Bank 2 4.88% $4,759
    CALIBER HOME LOANS, INC. 2 4.38% $4,369
    Wells Fargo Bank 2 6.19% $4,793
    NFM, INC. 2 5.25% $5,395
    WRIGHT-PATT CREDIT UNION, INC. 2 4.06% $3,430
    21ST MORTGAGE CORPORATION 1 6.70% $6,529
    ZILLOW HOME LOANS, LLC 1 3.88% $4,197
    Alcova Mortgage LLC 1 4.13% $3,568
    Bank of England 1 5.88% $7,833
    CHURCHILL MORTGAGE CORPORATION 1 5.88% $4,451
    Citibank 1 3.00% $4,092
    Community Trust Bank, Inc. 1 5.50% $1,640
    CROSSCOUNTRY MORTGAGE, LLC 1 6.83% $6,913
    Discover Bank 1 5.49% $0
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.63% $2,703
    FIRST COMMUNITY MORTGAGE, INC. 1 5.63% $4,034
    First Federal Savings and Loan Association of Lakewood 1 6.07% $4,216
    HOMESPIRE MORTGAGE CORPORATION 1 6.63% $3,728
    LAKEVIEW LOAN SERVICING, LLC 1 4.50% $3,041
    Mercantile Bank of Michigan 1 5.25% $3,485
    Morgan Stanley Private Bank 1 4.55% $3,869
    Mortgage Research Center, LLC 1 6.13% $11,436
    MOVEMENT MORTGAGE, LLC 1 6.94% $6,053
    M&T Bank 1 4.50% $3,435
    NEWREZ LLC 1 6.88% $8,341
    Northwest Bank 1 5.25% $3,699
    Old National Bank 1 6.38% $5,606
    PENNYMAC LOAN SERVICES, LLC 1 2.87% $9,869
    PLAZA HOME MORTGAGE, INC. 1 5.50% $3,584
    POLARIS HOME FUNDING CORP. 1 5.75% $6,437
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.75% $5,339
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 3.13% $13,540
    RBC Bank, (Georgia) 1 5.75% $3,235
    Sierra Pacific Mortgage Company, Inc. 1 7.63% $2,610
    The Central Trust Bank 1 4.50% $3,873
    THE EQUITABLE MORTGAGE CORPORATION 1 7.13% $3,476
    The Merchants National Bank 1 6.25% $795
    The Ohio Valley Bank Company 1 7.75% $2,787
    UNITED HOME LOANS, INC. 1 5.99% $4,562
    USAA Federal Savings Bank 1 5.75% $8,049
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.75% $4,816
    Victorian Finance, LLC 1 6.88% $4,386
    Westfield Bank, FSB 1 3.88% $8,945

    Athens Average Closing Costs & Other Stats

    Athens, OH's 75 lenders originated 626 loans during 2022. The total origination value was $138,590,000, with an average loan value of $221,390.

    Athens's average closing costs are $4,586.

    The top Athens lender as defined by loan originations is UNION HOME MORTGAGE CORP., with 32 loans originated. Their average total fees are $4,344, which is $1,823 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Athens lenders (with over 10 loans originated) are JPMorgan Chase Bank ($2,840), Peoples Bank ($3,854), T2 FINANCIAL LLC ($4,319), UNION HOME MORTGAGE CORP. ($4,344) and QUICKEN LOANS, LLC ($6,167).

    The lowest rate Athens lenders (with over 10 loans originated) are JPMorgan Chase Bank (4.63%), QUICKEN LOANS, LLC (5.16%), UNION HOME MORTGAGE CORP. (5.49%), Peoples Bank (5.59%) and T2 FINANCIAL LLC (5.66%).

    Athens, OH 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    Valley National Bank $25,605,000 n/a 18.5%
    QUICKEN LOANS, LLC $13,595,000 $8,555,000 -37.1% 6.2%
    UNION HOME MORTGAGE CORP. $10,040,000 $7,170,000 -28.6% 5.2%
    Central Bank & Trust Company $6,675,000 n/a 4.8%
    Peoples Bank $4,310,000 $6,640,000 54.1% 4.8%
    The First National Bank of McConnelsville $10,255,000 $5,025,000 -51.0% 3.6%
    JPMorgan Chase Bank $6,250,000 $3,820,000 -38.9% 2.8%
    The Huntington National Bank $4,835,000 $3,630,000 -24.9% 2.6%
    RUOFF MORTGAGE COMPANY, INC. $2,305,000 $3,625,000 57.3% 2.6%
    RiverHills Bank $4,090,000 $3,510,000 -14.2% 2.5%
    T2 FINANCIAL LLC $4,955,000 $3,020,000 -39.1% 2.2%
    RAPID MORTGAGE COMPANY $6,945,000 $2,915,000 -58.0% 2.1%
    Mortgage Research Center, LLC $1,575,000 $2,505,000 59.0% 1.8%
    The Farmers Bank & Savings Company $1,510,000 $2,325,000 54.0% 1.7%
    The Park National Bank $6,305,000 $2,315,000 -63.3% 1.7%
    THE VINTON COUNTY NATIONAL BANK $2,480,000 $2,150,000 -13.3% 1.6%
    PNC Bank $620,000 $2,065,000 233.1% 1.5%
    The Merchants National Bank $1,065,000 $1,700,000 59.6% 1.2%
    UNITED WHOLESALE MORTGAGE, LLC $1,125,000 $1,605,000 42.7% 1.2%
    The Ohio Valley Bank Company $2,060,000 $1,590,000 -22.8% 1.1%
    Third Federal Savings and Loan Association of Cleveland $525,000 $1,515,000 188.6% 1.1%
    J. VIRGIL, INC. $1,975,000 $1,505,000 -23.8% 1.1%
    HOMESIDE FINANCIAL, LLC $1,975,000 $1,480,000 -25.1% 1.1%
    Farm Credit Mid-America, ACA $1,620,000 $1,305,000 -19.4% 0.9%
    LOANDEPOT.COM, LLC $1,605,000 $1,150,000 -28.3% 0.8%
    USAA Federal Savings Bank $1,335,000 $1,015,000 -24.0% 0.7%
    WesBanco Bank, Inc. $805,000 $980,000 21.7% 0.7%
    NFM, INC. $765,000 $930,000 21.6% 0.7%
    NEW DAY FINANCIAL, LLC $530,000 $840,000 58.5% 0.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $290,000 $825,000 184.5% 0.6%
    ATOMIC CREDIT UNION, INC. $1,390,000 $810,000 -41.7% 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $600,000 $805,000 34.2% 0.6%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,635,000 $805,000 -50.8% 0.6%
    Unified Bank $925,000 $775,000 -16.2% 0.6%
    Union Savings Bank $1,000,000 $760,000 -24.0% 0.5%
    CROSSCOUNTRY MORTGAGE, LLC $1,405,000 $740,000 -47.3% 0.5%
    Fifth Third Bank $960,000 $740,000 -22.9% 0.5%
    Westfield Bank, FSB $705,000 n/a 0.5%
    PENNYMAC LOAN SERVICES, LLC $890,000 $685,000 -23.0% 0.5%
    AMERISAVE MORTGAGE CORPORATION $1,965,000 $665,000 -66.2% 0.5%
    POLARIS HOME FUNDING CORP. $540,000 $665,000 23.1% 0.5%
    Flagstar Bank, FSB $245,000 $635,000 159.2% 0.5%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $560,000 $630,000 12.5% 0.5%
    EQUITY RESOURCES, INC. $815,000 $570,000 -30.1% 0.4%
    Community Bank of Parkersburg $640,000 $545,000 -14.8% 0.4%
    PRIORITY MORTGAGE CORP. $220,000 $535,000 143.2% 0.4%
    Nations Lending Corporation $545,000 $495,000 -9.2% 0.4%
    CALIBER HOME LOANS, INC. $495,000 $485,000 -2.0% 0.3%
    North Valley Bank $110,000 $480,000 336.4% 0.3%
    GSF Mortgage Corporation $470,000 n/a 0.3%
    Ally Bank $395,000 $460,000 16.5% 0.3%
    VANDERBILT MORTGAGE AND FINANCE, INC. $560,000 $440,000 -21.4% 0.3%
    LAKEVIEW LOAN SERVICING, LLC $460,000 $425,000 -7.6% 0.3%
    KeyBank $745,000 $405,000 -45.6% 0.3%
    21ST MORTGAGE CORPORATION $210,000 $395,000 88.1% 0.3%
    Bank of America $275,000 $390,000 41.8% 0.3%
    GUARANTEED RATE, INC. $420,000 $380,000 -9.5% 0.3%
    ROYAL UNITED MORTGAGE LLC $85,000 $380,000 347.1% 0.3%
    MOVEMENT MORTGAGE, LLC $735,000 $360,000 -51.0% 0.3%
    Morgan Stanley Private Bank $355,000 n/a 0.3%
    BETTER MORTGAGE CORPORATION $725,000 $345,000 -52.4% 0.2%
    BROKER SOLUTIONS, INC. $495,000 $335,000 -32.3% 0.2%
    WRIGHT-PATT CREDIT UNION, INC. $120,000 $330,000 175.0% 0.2%
    STOCKTON MORTGAGE CORPORATION $320,000 n/a 0.2%
    First Federal Savings and Loan Association of Lakewood $860,000 $315,000 -63.4% 0.2%
    Red River Bank $315,000 n/a 0.2%
    NEWREZ LLC $290,000 $310,000 6.9% 0.2%
    PROVIDENT FUNDING ASSOCIATES, L.P. $125,000 $305,000 144.0% 0.2%
    FIRST OHIO HOME FINANCE, INC. $355,000 $300,000 -15.5% 0.2%
    Hometown Lenders, Inc. $135,000 $295,000 118.5% 0.2%
    The Central Trust Bank $295,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $295,000 n/a 0.2%
    1ST SIGNATURE LENDING, LLC $285,000 n/a 0.2%
    PLAZA HOME MORTGAGE, INC. $285,000 n/a 0.2%
    Bank of England $160,000 $275,000 71.9% 0.2%
    Mercantile Bank of Michigan $275,000 n/a 0.2%
    RBC Bank, (Georgia) $265,000 n/a 0.2%
    United Bank $260,000 n/a 0.2%
    The Federal Savings Bank $630,000 $255,000 -59.5% 0.2%
    Wells Fargo Bank $1,550,000 $250,000 -83.9% 0.2%
    CME Federal Credit Union $240,000 n/a 0.2%
    First Financial Bank $520,000 $235,000 -54.8% 0.2%
    HOME POINT FINANCIAL CORPORATION $710,000 $235,000 -66.9% 0.2%
    Willamette Valley Bank $235,000 n/a 0.2%
    MIDLAND MORTGAGE CORPORATION $225,000 n/a 0.2%
    SIRVA MORTGAGE, INC. $225,000 n/a 0.2%
    CHURCHILL MORTGAGE CORPORATION $95,000 $215,000 126.3% 0.2%
    East Coast Capital Corp. $215,000 n/a 0.2%
    Victorian Finance, LLC $215,000 n/a 0.2%
    DAS Acquisition Company, LLC $205,000 n/a 0.1%
    FIRST COMMUNITY MORTGAGE, INC. $205,000 n/a 0.1%
    Republic Bank & Trust Company $185,000 $205,000 10.8% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $200,000 n/a 0.1%
    SOFI LENDING CORP. $570,000 $195,000 -65.8% 0.1%
    Old National Bank $185,000 n/a 0.1%
    Discover Bank $210,000 $180,000 -14.3% 0.1%
    Truist $360,000 $175,000 -51.4% 0.1%
    HOMESPIRE MORTGAGE CORPORATION $165,000 n/a 0.1%
    UNITED HOME LOANS, INC. $165,000 n/a 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $160,000 n/a 0.1%
    ENDEAVOR CAPITAL, LLC. $160,000 n/a 0.1%
    U.S. Bank $330,000 $160,000 -51.5% 0.1%
    Community Trust Bank, Inc. $155,000 n/a 0.1%
    M&T Bank $145,000 n/a 0.1%
    The State Bank and Trust Company $1,205,000 $145,000 -88.0% 0.1%
    LIBERTY HOME MORTGAGE CORPORATION $300,000 $135,000 -55.0% 0.1%
    Sierra Pacific Mortgage Company, Inc. $135,000 n/a 0.1%
    Carrington Mortgage Services, LLC $165,000 $125,000 -24.2% 0.1%
    SOUTHPOINT FINANCIAL SERVICES, INC. $125,000 n/a 0.1%
    WEST VIRGINIA CENTRAL FEDERAL CREDIT UNION $560,000 $125,000 -77.7% 0.1%
    Citibank $115,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $85,000 $110,000 29.4% 0.1%
    Dollar Bank, Federal Savings Bank $105,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $195,000 $105,000 -46.2% 0.1%
    SOUTHWEST STAGE FUNDING, LLC $105,000 n/a 0.1%
    FREEDOM MORTGAGE CORPORATION $2,515,000 $95,000 -96.2% 0.1%
    Northwest Bank $95,000 n/a 0.1%
    SPRING EQ, LLC $55,000 $95,000 72.7% 0.1%
    Figure Lending LLC $90,000 n/a 0.1%
    City National Bank of West Virginia $85,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $85,000 n/a 0.1%
    Kingston National Bank $85,000 n/a 0.1%
    Mid-Continent Funding, Inc. $85,000 n/a 0.1%
    Alcova Mortgage LLC $75,000 n/a 0.1%
    First Commonwealth Bank $75,000 n/a 0.1%
    THE EQUITABLE MORTGAGE CORPORATION $165,000 $75,000 -54.5% 0.1%
    ALLIANT CREDIT UNION $65,000 n/a 0.0%
    Citizens Bank $295,000 $55,000 -81.4% 0.0%
    First Federal Bank of the Midwest $710,000 $15,000 -97.9% 0.0%

    Athens's top lender by overall market share is Valley National Bank, with 18.5% market share. In second place, with 6.2%, is QUICKEN LOANS, LLC, having originated $8,555,000 in loans. In third place, with 5.2%, is UNION HOME MORTGAGE CORP., having originated $7,170,000 in loans. In fourth place, with 4.8%, is Central Bank & Trust Company, having originated $6,675,000 in loans. In fifth place, with 4.8%, is Peoples Bank, having originated $6,640,000 in loans.

    Athens Housing Market Trends (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 $164,750 (24.4%) $185,494 (-0.2%) 0.00 151
    2018-02-01 $178,675 (26.1%) $191,762 (-1.1%) 0.00 155
    2018-03-01 $172,000 (1.2%) $193,758 (-9.6%) 0.00 184
    2018-04-01 $184,050 (8.9%) $204,628 (-2.9%) 0.00 189
    2018-05-01 $195,000 (17.7%) $210,181 (-0.3%) 0.00 188
    2018-06-01 $189,500 (12.9%) $213,470 (-0.6%) 0.00 205
    2018-07-01 $192,425 (4.4%) $214,907 (-0.1%) 0.00 199
    2018-08-01 $184,450 (8.6%) $213,942 (6.8%) 0.00 189
    2018-09-01 $179,900 (5.9%) $212,826 (9.8%) 0.00 175
    2018-10-01 $165,000 (-4.8%) $207,516 (6.9%) 0.00 180
    2018-11-01 $178,650 (4.2%) $216,215 (10.5%) 0.00 170
    2018-12-01 $179,900 (2.8%) $214,613 (11.2%) 0.00 158
    2019-01-01 $184,450 (12.0%) $214,352 (15.6%) 0.00 146
    2019-02-01 $179,900 (0.7%) $210,500 (9.8%) 0.00 155
    2019-03-01 $175,545 (2.1%) $206,275 (6.5%) 0.00 175
    2019-04-01 $169,819 (-7.7%) $202,497 (-1.0%) 0.00 194
    2019-05-01 $171,069 (-12.3%) $206,322 (-1.8%) 0.00 194
    2019-06-01 $167,000 (-11.9%) $201,039 (-5.8%) 0.00 206
    2019-07-01 $162,250 (-15.7%) $194,228 (-9.6%) 0.00 208
    2019-08-01 $162,818 (-11.7%) $194,364 (-9.2%) 0.00 210
    2019-09-01 $166,295 (-7.6%) $196,337 (-7.8%) 0.00 208
    2019-10-01 $168,614 (2.2%) $196,852 (-5.1%) 0.00 200
    2019-11-01 $175,000 (-2.0%) $199,233 (-7.9%) 0.00 181
    2019-12-01 $169,000 (-6.1%) $197,159 (-8.1%) 0.00 160
    2020-01-01 $166,500 (-9.7%) $197,955 (-7.7%) 0.00 142
    2020-02-01 $165,000 (-8.3%) $204,240 (-3.0%) 0.00 150
    2020-03-01 $189,450 (7.9%) $212,981 (3.3%) 0.00 168
    2020-04-01 $189,675 (11.7%) $211,349 (4.4%) 0.00 168
    2020-05-01 $196,250 (14.7%) $218,290 (5.8%) 0.00 156
    2020-06-01 $198,875 (19.1%) $215,962 (7.4%) 0.00 150
    2020-07-01 $192,475 (18.6%) $207,211 (6.7%) 0.00 146
    2020-08-01 $190,500 (17.0%) $208,785 (7.4%) 0.00 136
    2020-09-01 $184,675 (11.1%) $210,651 (7.3%) 0.00 137
    2020-10-01 $185,000 (9.7%) $198,848 (1.0%) 0.00 129
    2020-11-01 $179,375 (2.5%) $199,763 (0.3%) 0.00 114
    2020-12-01 $161,250 (-4.6%) $189,162 (-4.1%) 0.00 99
    2021-01-01 $163,750 (-1.7%) $185,662 (-6.2%) 0.00 87
    2021-02-01 $157,725 (-4.4%) $177,720 (-13.0%) 0.00 84
    2021-03-01 $152,925 (-19.3%) $184,114 (-13.6%) 0.00 94
    2021-04-01 $152,725 (-19.5%) $191,272 (-9.5%) 0.00 100
    2021-05-01 $179,450 (-8.6%) $212,551 (-2.6%) 0.00 98
    2021-06-01 $183,700 (-7.6%) $213,893 (-1.0%) 0.00 112
    2021-07-01 $179,000 (-7.0%) $215,079 (3.8%) 0.00 103
    2021-08-01 $187,000 (-1.8%) $217,721 (4.3%) 0.00 100
    2021-09-01 $185,000 (0.2%) $211,654 (0.5%) 0.00 96
    2021-10-01 $189,900 (2.7%) $205,692 (3.4%) 0.00 85
    2021-11-01 $179,500 (0.1%) $203,218 (1.7%) 0.00 73
    2021-12-01 $167,975 (4.2%) $189,216 (0.0%) 0.00 62
    2022-01-01 $168,000 (2.6%) $187,623 (1.1%) 0.00 54
    2022-02-01 $177,500 (12.5%) $192,192 (8.1%) 0.00 56
    2022-03-01 $174,125 (13.9%) $209,577 (13.8%) 0.00 56
    2022-04-01 $180,000 (17.9%) $230,593 (20.6%) 0.00 71
    2022-05-01 $188,625 (5.1%) $223,851 (5.3%) 0.00 92
    2022-06-01 $194,750 (6.0%) $249,495 (16.6%) 0.00 102
    2022-07-01 $209,750 (17.2%) $258,105 (20.0%) 0.00 108
    2022-08-01 $182,225 (-2.6%) $228,008 (4.7%) 0.00 104
    2022-09-01 $188,000 (1.6%) $217,301 (2.7%) 0.00 110
    2022-10-01 $194,500 (2.4%) $234,202 (13.9%) 0.00 112
    2022-11-01 $199,950 (11.4%) $240,452 (18.3%) 0.00 99
    2022-12-01 $194,900 (16.0%) $243,252 (28.6%) 0.00 95
    2023-01-01 $193,475 (15.2%) $245,832 (31.0%) 0.00 80
    2023-02-01 $218,475 (23.1%) $254,237 (32.3%) 0.00 84
    2023-03-01 $192,400 (10.5%) $236,576 (12.9%) 0.00 95
    2023-04-01 $225,000 (25.0%) $263,671 (14.3%) 0.00 71
    2023-05-01 $191,500 (1.5%) $239,849 (7.2%) 0.00 61
    2023-06-01 $199,925 (2.7%) $267,818 (7.3%) 0.00 48
    2023-07-01 $205,000 (-2.3%) $274,335 (6.3%) 0.00 48
    2023-08-01 $222,450 (22.1%) $301,444 (32.2%) 0.00 51
    2023-09-01 $209,900 (11.7%) $276,472 (27.2%) 0.00 53
    2023-10-01 $203,725 (4.7%) $263,719 (12.6%) 0.00 63
    2023-11-01 $235,000 (17.5%) $258,662 (7.6%) 0.00 68
    Athens's median listing price for 2023-11-01 was $235,000, a difference of $35,050 (17.5%) versus the prior year and $31,275 versus the prior month.

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

    Athens's average listing price for 2023-11-01 was $258,662, a difference of $18,210 (7.6%) versus the prior year and $-5,057 versus the prior month.

    For the 2023-11-01 period, Athens had 68 MLS listings, a difference of 5 listings (8%) versus the prior month and -31 listings (-31%) 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 1,844 sqft
    2018-02-01 0 days 1,901 sqft
    2018-03-01 0 days 1,788 sqft
    2018-04-01 0 days 1,818 sqft
    2018-05-01 0 days 1,899 sqft
    2018-06-01 0 days 1,960 sqft
    2018-07-01 0 days 1,889 sqft
    2018-08-01 0 days 1,839 sqft
    2018-09-01 0 days 1,809 sqft
    2018-10-01 0 days 1,796 sqft
    2018-11-01 0 days 1,769 sqft
    2018-12-01 0 days 1,739 sqft
    2019-01-01 0 days 1,718 sqft
    2019-02-01 0 days 1,680 sqft
    2019-03-01 0 days 1,698 sqft
    2019-04-01 0 days 1,724 sqft
    2019-05-01 0 days 1,728 sqft
    2019-06-01 0 days 1,725 sqft
    2019-07-01 0 days 1,709 sqft
    2019-08-01 0 days 1,718 sqft
    2019-09-01 0 days 1,725 sqft
    2019-10-01 0 days 1,735 sqft
    2019-11-01 0 days 1,760 sqft
    2019-12-01 0 days 1,736 sqft
    2020-01-01 0 days 1,698 sqft
    2020-02-01 0 days 1,672 sqft
    2020-03-01 0 days 1,779 sqft
    2020-04-01 0 days 1,773 sqft
    2020-05-01 0 days 1,780 sqft
    2020-06-01 0 days 1,789 sqft
    2020-07-01 0 days 1,731 sqft
    2020-08-01 0 days 1,696 sqft
    2020-09-01 0 days 1,683 sqft
    2020-10-01 0 days 1,689 sqft
    2020-11-01 0 days 1,682 sqft
    2020-12-01 0 days 1,596 sqft
    2021-01-01 0 days 1,560 sqft
    2021-02-01 0 days 1,442 sqft
    2021-03-01 0 days 1,503 sqft
    2021-04-01 0 days 1,506 sqft
    2021-05-01 0 days 1,610 sqft
    2021-06-01 0 days 1,628 sqft
    2021-07-01 0 days 1,640 sqft
    2021-08-01 0 days 1,680 sqft
    2021-09-01 0 days 1,660 sqft
    2021-10-01 0 days 1,632 sqft
    2021-11-01 0 days 1,560 sqft
    2021-12-01 0 days 1,369 sqft
    2022-01-01 0 days 1,355 sqft
    2022-02-01 0 days 1,364 sqft
    2022-03-01 0 days 1,476 sqft
    2022-04-01 0 days 1,568 sqft
    2022-05-01 0 days 1,422 sqft
    2022-06-01 0 days 1,477 sqft
    2022-07-01 0 days 1,640 sqft
    2022-08-01 0 days 1,654 sqft
    2022-09-01 0 days 1,502 sqft
    2022-10-01 0 days 1,696 sqft
    2022-11-01 0 days 1,741 sqft
    2022-12-01 0 days 1,739 sqft
    2023-01-01 0 days 1,688 sqft
    2023-02-01 0 days 1,659 sqft
    2023-03-01 0 days 1,627 sqft
    2023-04-01 0 days 1,640 sqft
    2023-05-01 0 days 1,501 sqft
    2023-06-01 0 days 1,543 sqft
    2023-07-01 0 days 1,750 sqft
    2023-08-01 0 days 1,750 sqft
    2023-09-01 0 days 1,680 sqft
    2023-10-01 0 days 1,665 sqft
    2023-11-01 0 days 1,684 sqft
    Athens's median listing age (time on market) for 2023-11-01 was 0 days.

    Athens's median square footage for active listings during the 2023-11-01 period was 1,684 sqft. One year prior, the average listing was 1,741 sqft.

    Athens, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 374 $79,270,000 $211,952
    Cash Out Refi 103 $15,275,000 $148,301
    Refi 79 $37,365,000 $472,975
    Home Improvement 45 $3,715,000 $82,556
    Other 25 $2,965,000 $118,600

    Athens's most frequently cited loan purpose was Home Purchase, with 374 originations. The 2nd most popular reason was Cash Out Refi, with 103 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 143 $48,325,000 $337,937
    3-4% 118 $27,770,000 $235,339
    4-5% 118 $24,990,000 $211,780
    6-7% 87 $14,475,000 $166,379
    2.5-3% 50 $6,730,000 $134,600
    7-8% 34 $4,550,000 $133,824
    Over 8% 9 $555,000 $61,667
    <2.5% 8 $1,110,000 $138,750

    During 2022, Athens's most frequently originated rate bucket was 5-6%, with 143 originations.

    Loan Sizing (Athens, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 261 $37,875,000 $145,115
    $100,000 or less 180 $12,040,000 $66,889
    $200k-400k 164 $42,550,000 $259,451
    $400k-600k 10 $4,610,000 $461,000
    $Over $1MM 6 $37,950,000 $6,325,000
    $600k-1000k 5 $3,565,000 $713,000

    Athens's loan sizing saw the bucket of loans from $100k-200k with 261 originations, totaling $37,875,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 277 $52,305,000 $188,827
    60-80% 138 $30,650,000 $222,101
    40-60% 57 $33,235,000 $583,070
    20-40% 49 $5,035,000 $102,755
    Under 20% 30 $1,530,000 $51,000
    Over 100% 7 $1,385,000 $197,857

    Athens's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 277 originations, totaling $52,305,000 in origination value.