Athens Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Athens averaged
7.04%
for the week of 2023-03-16, compared to the national average of
6.6% for the same period.
The average rate for the prior week (2023-03-09) was
6.97% and
one month ago for the week of 2023-02-09, the
average rate was 6.26%.
Athens's average rate one year ago was 3.74%.
For refis of the same type during the week of 2023-03-16, the average rate
was 7.08%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-03-16 | 6.6% |
| Athens 30 Year Fixed Rate | 2023-03-16 | 7.04% |
| Athens 30 Year Fixed Rate Refi | 2023-03-16 | 7.08% |
| Athens 15 Year Fixed Rate | 2023-03-16 | 6.05% |
| Athens 15 Year Fixed Rate Refi | 2023-03-16 | 6.39% |
| Athens 30 Year FHA | 2023-03-16 | 6.17% |
| Athens 30 Year FHA Refi | 2023-03-16 | 6.5% |
| Athens 30 Year USDA | 2023-03-16 | 6.47% |
| Athens 30 Year USDA Refi | 2023-03-16 | 6.07% |
| Athens 30 Year VA | 2023-03-16 | 6.19% |
| Athens 30 Year VA Refi | 2023-03-16 | 6.04% |
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, TN 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 Average Closing Costs & Other Stats
Athens, TN's 95 lenders originated 1,435
loans during 2022. The total origination value was $276,805,000, with an average loan value of
$192,895.
Athens's average closing costs are $5,056.
The top Athens lender as defined by loan originations is CapStar Bank, with
38 loans originated. Their average total fees are
$3,366, which is $2,497
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Athens lenders (with over 10 loans originated) are
CapStar Bank ($3,366), DHI MORTGAGE COMPANY, LTD. ($4,011), Gateway First Bank ($4,061), TENNESSEE VALLEY ($4,113) and MOVEMENT MORTGAGE, LLC ($4,298).
The lowest rate Athens lenders (with over 10 loans originated) are
Bowater Employees Credit Union (4.16%), TENNESSEE VALLEY (4.36%), CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (4.39%), CapStar Bank (4.47%) and Simmons Bank (4.54%).
Athens, TN 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 |
|---|---|---|---|---|
| CapStar Bank | $34,320,000 | $26,400,000 | -23.1% | 9.5% |
| QUICKEN LOANS, LLC | $30,890,000 | $16,425,000 | -46.8% | 5.9% |
| MORTGAGE INVESTORS GROUP, INC. | $22,885,000 | $16,325,000 | -28.7% | 5.9% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $8,805,000 | $10,455,000 | 18.7% | 3.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $6,835,000 | $9,690,000 | 41.8% | 3.5% |
| Mortgage Research Center, LLC | $5,820,000 | $9,335,000 | 60.4% | 3.4% |
| Simmons Bank | $6,525,000 | $8,670,000 | 32.9% | 3.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $11,465,000 | $8,005,000 | -30.2% | 2.9% |
| TENNESSEE VALLEY | $7,285,000 | $7,255,000 | -0.4% | 2.6% |
| Farm Credit Mid-America, ACA | $8,155,000 | $5,890,000 | -27.8% | 2.1% |
| CMG MORTGAGE, INC. | $4,950,000 | $5,735,000 | 15.9% | 2.1% |
| DHI MORTGAGE COMPANY, LTD. | $5,605,000 | n/a | 2.0% | |
| GREYSTONE SERVICING COMPANY LLC | $5,505,000 | n/a | 2.0% | |
| Gateway First Bank | $8,625,000 | $5,275,000 | -38.8% | 1.9% |
| CALIBER HOME LOANS, INC. | $7,180,000 | $5,260,000 | -26.7% | 1.9% |
| Truist | $4,445,000 | $4,760,000 | 7.1% | 1.7% |
| Regions Bank | $6,275,000 | $4,670,000 | -25.6% | 1.7% |
| Bowater Employees Credit Union | $5,045,000 | $4,555,000 | -9.7% | 1.6% |
| MOVEMENT MORTGAGE, LLC | $2,675,000 | $4,300,000 | 60.7% | 1.6% |
| TJC Mortgage, Inc. | $6,095,000 | $4,025,000 | -34.0% | 1.5% |
| FREEDOM MORTGAGE CORPORATION | $7,745,000 | $3,475,000 | -55.1% | 1.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,400,000 | $3,430,000 | 42.9% | 1.2% |
| LOANDEPOT.COM, LLC | $5,495,000 | $3,105,000 | -43.5% | 1.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $4,665,000 | $3,075,000 | -34.1% | 1.1% |
| SouthEast Bank | $1,280,000 | $3,065,000 | 139.5% | 1.1% |
| United Community Bank | $3,695,000 | $3,020,000 | -18.3% | 1.1% |
| HOME POINT FINANCIAL CORPORATION | $2,660,000 | $2,960,000 | 11.3% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $4,960,000 | $2,825,000 | -43.0% | 1.0% |
| COMMUNITY MORTGAGE CORPORATION | $475,000 | $2,655,000 | 458.9% | 1.0% |
| 21ST MORTGAGE CORPORATION | $1,645,000 | $2,520,000 | 53.2% | 0.9% |
| Renasant Bank | $2,205,000 | $2,515,000 | 14.1% | 0.9% |
| ORNL Federal Credit Union | $3,590,000 | $2,470,000 | -31.2% | 0.9% |
| Bank of Cleveland | $2,460,000 | $2,325,000 | -5.5% | 0.8% |
| Citizens Bank | $85,000 | $2,000,000 | 2,252.9% | 0.7% |
| Peoples Bank of East Tennessee | $2,000,000 | $1,935,000 | -3.3% | 0.7% |
| Citizens National Bank | $1,885,000 | n/a | 0.7% | |
| Wells Fargo Bank | $2,080,000 | $1,735,000 | -16.6% | 0.6% |
| First Volunteer Bank | $1,875,000 | $1,680,000 | -10.4% | 0.6% |
| First Citizens National Bank | $5,975,000 | $1,605,000 | -73.1% | 0.6% |
| FirstBank | $1,080,000 | $1,535,000 | 42.1% | 0.6% |
| 1ST SIGNATURE LENDING, LLC | $1,800,000 | $1,440,000 | -20.0% | 0.5% |
| STOCKTON MORTGAGE CORPORATION | $1,880,000 | $1,430,000 | -23.9% | 0.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $460,000 | $1,420,000 | 208.7% | 0.5% |
| NEWREZ LLC | $950,000 | $1,385,000 | 45.8% | 0.5% |
| Andrew Johnson Bank | $715,000 | $1,290,000 | 80.4% | 0.5% |
| SOUTHWEST STAGE FUNDING, LLC | $485,000 | $1,280,000 | 163.9% | 0.5% |
| Sierra Pacific Mortgage Company, Inc. | $1,900,000 | $1,250,000 | -34.2% | 0.5% |
| Flagstar Bank, FSB | $825,000 | $1,230,000 | 49.1% | 0.4% |
| BROKER SOLUTIONS, INC. | $2,065,000 | $1,225,000 | -40.7% | 0.4% |
| NEW DAY FINANCIAL, LLC | $2,555,000 | $1,215,000 | -52.4% | 0.4% |
| AgFirst Farm Credit Bank | $685,000 | $1,200,000 | 75.2% | 0.4% |
| First Horizon Bank | $1,315,000 | $1,180,000 | -10.3% | 0.4% |
| BancorpSouth Bank | $895,000 | $1,175,000 | 31.3% | 0.4% |
| JPMorgan Chase Bank | $1,105,000 | $1,160,000 | 5.0% | 0.4% |
| GUILD MORTGAGE COMPANY | $1,270,000 | $1,145,000 | -9.8% | 0.4% |
| BETTER MORTGAGE CORPORATION | $1,105,000 | $1,125,000 | 1.8% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $960,000 | $1,060,000 | 10.4% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $340,000 | $1,055,000 | 210.3% | 0.4% |
| U.S. Bank | $830,000 | $1,010,000 | 21.7% | 0.4% |
| USAA Federal Savings Bank | $945,000 | n/a | 0.3% | |
| FINANCE OF AMERICA MORTGAGE LLC | $935,000 | n/a | 0.3% | |
| NAVY FEDERAL CREDIT UNION | $1,455,000 | $930,000 | -36.1% | 0.3% |
| Princeton Mortgage Corporation | $930,000 | n/a | 0.3% | |
| EVERETT FINANCIAL, INC. | $840,000 | n/a | 0.3% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $295,000 | $800,000 | 171.2% | 0.3% |
| Barrington Bank & Trust Company, N.A. | $670,000 | $755,000 | 12.7% | 0.3% |
| Home Federal Bank of Tennessee | $340,000 | $745,000 | 119.1% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $1,925,000 | $690,000 | -64.2% | 0.2% |
| PLANET HOME LENDING, LLC | $1,040,000 | $675,000 | -35.1% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $650,000 | $660,000 | 1.5% | 0.2% |
| Pinnacle Bank | $1,080,000 | $660,000 | -38.9% | 0.2% |
| The Federal Savings Bank | $320,000 | $660,000 | 106.3% | 0.2% |
| Wyndham Capital Mortgage, Inc. | $650,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $985,000 | $645,000 | -34.5% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,750,000 | $645,000 | -82.8% | 0.2% |
| SUCCESS MORTGAGE PARTNERS, INC. | $790,000 | $605,000 | -23.4% | 0.2% |
| MICHIGAN MUTUAL, INC. | $595,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $2,370,000 | $560,000 | -76.4% | 0.2% |
| Bank of America | $405,000 | $540,000 | 33.3% | 0.2% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | $230,000 | $525,000 | 128.3% | 0.2% |
| Morgan Stanley Private Bank | $525,000 | n/a | 0.2% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $500,000 | n/a | 0.2% | |
| ISERVE RESIDENTIAL LENDING, LLC | $175,000 | $490,000 | 180.0% | 0.2% |
| DAS Acquisition Company, LLC | $470,000 | n/a | 0.2% | |
| CRESCENT MORTGAGE COMPANY | $455,000 | n/a | 0.2% | |
| MID AMERICA MORTGAGE, INC. | $200,000 | $455,000 | 127.5% | 0.2% |
| MEMBER FIRST MORTGAGE, LLC | $440,000 | n/a | 0.2% | |
| T2 FINANCIAL LLC | $440,000 | n/a | 0.2% | |
| ROYAL UNITED MORTGAGE LLC | $425,000 | $435,000 | 2.4% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $665,000 | $425,000 | -36.1% | 0.2% |
| Meridian Bank Corporation | $425,000 | n/a | 0.2% | |
| HOMESTAR FINANCIAL CORPORATION | $770,000 | $420,000 | -45.5% | 0.2% |
| KELLER MORTGAGE, LLC | $415,000 | n/a | 0.1% | |
| Apex Bank | $400,000 | n/a | 0.1% | |
| SOUTHWEST FUNDING, LP | $400,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $695,000 | $390,000 | -43.9% | 0.1% |
| Ameris Bank | $445,000 | $375,000 | -15.7% | 0.1% |
| Northpointe Bank | $635,000 | $375,000 | -40.9% | 0.1% |
| ALAMEDA MORTGAGE CORPORATION | $370,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $140,000 | $365,000 | 160.7% | 0.1% |
| Legacy Home Loans, LLC | $365,000 | n/a | 0.1% | |
| Y-12 Federal Credit Union | $590,000 | $355,000 | -39.8% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $885,000 | $345,000 | -61.0% | 0.1% |
| The Home Loan Expert LLC | $345,000 | n/a | 0.1% | |
| Commercial Bank | $105,000 | $340,000 | 223.8% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $155,000 | $335,000 | 116.1% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,385,000 | $325,000 | -76.5% | 0.1% |
| GUARANTY HOME MORTGAGE CORPORATION | $315,000 | n/a | 0.1% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $945,000 | $315,000 | -66.7% | 0.1% |
| UNITED MORTGAGE CORP. | $315,000 | n/a | 0.1% | |
| SOVEREIGN LENDING GROUP INCORPORATED | $370,000 | $310,000 | -16.2% | 0.1% |
| AmRes Corporation | $295,000 | $305,000 | 3.4% | 0.1% |
| MILLENNIUM BANK | $305,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $255,000 | n/a | 0.1% | |
| ENRICHMENT | $255,000 | n/a | 0.1% | |
| First Century Bank | $165,000 | $255,000 | 54.5% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $185,000 | $250,000 | 35.1% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $195,000 | $245,000 | 25.6% | 0.1% |
| Mountain Commerce Bank | $235,000 | n/a | 0.1% | |
| AMCAP MORTGAGE, LTD. | $225,000 | n/a | 0.1% | |
| Baxter Credit Union | $55,000 | $225,000 | 309.1% | 0.1% |
| Low VA Rates, LLC | $300,000 | $215,000 | -28.3% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $175,000 | $215,000 | 22.9% | 0.1% |
| North American Savings Bank, F.S.B. | $710,000 | $215,000 | -69.7% | 0.1% |
| Citizens Bank | $85,000 | $205,000 | 141.2% | 0.1% |
| SUMMIT FUNDING, INC. | $165,000 | $205,000 | 24.2% | 0.1% |
| UNION HOME MORTGAGE CORP. | $205,000 | n/a | 0.1% | |
| VAN DYK MORTGAGE CORPORATION | $195,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $185,000 | n/a | 0.1% | |
| RANLIFE, INC. | $185,000 | n/a | 0.1% | |
| SOFI LENDING CORP. | $305,000 | $185,000 | -39.3% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $295,000 | $175,000 | -40.7% | 0.1% |
| Nations Lending Corporation | $975,000 | $175,000 | -82.1% | 0.1% |
| Bank of England | $175,000 | $165,000 | -5.7% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $165,000 | n/a | 0.1% | |
| AMERICAN ADVISORS GROUP | $230,000 | $150,000 | -34.8% | 0.1% |
| Fifth Third Bank | $1,115,000 | $145,000 | -87.0% | 0.1% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $145,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $155,000 | $145,000 | -6.5% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,055,000 | $135,000 | -87.2% | 0.0% |
| THE MORTGAGE FIRM, INC. | $255,000 | $135,000 | -47.1% | 0.0% |
| VILLAGE CAPITAL MORTGAGE | $1,335,000 | $135,000 | -89.9% | 0.0% |
| Figure Lending LLC | $145,000 | $120,000 | -17.2% | 0.0% |
| Equity Prime Mortgage LLC | $65,000 | $115,000 | 76.9% | 0.0% |
| PNC Bank | $110,000 | n/a | 0.0% | |
| Citibank | $65,000 | $105,000 | 61.5% | 0.0% |
| CU COMMUNITY, LLC | $1,195,000 | $105,000 | -91.2% | 0.0% |
| Discover Bank | $90,000 | $105,000 | 16.7% | 0.0% |
| Synovus Bank | $145,000 | $105,000 | -27.6% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $95,000 | $95,000 | 0.0% | 0.0% |
| PHH Mortgage Corporation | $350,000 | $95,000 | -72.9% | 0.0% |
| Chicago Mortgage Solutions LLC | $85,000 | n/a | 0.0% | |
| First State Bank | $85,000 | n/a | 0.0% | |
| GREAT WESTERN FINANCIAL SERVICES, INC. | $85,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $85,000 | n/a | 0.0% | |
| The Huntington National Bank | $75,000 | n/a | 0.0% | |
| Bank of the West | $195,000 | $65,000 | -66.7% | 0.0% |
| M&T Bank | $135,000 | $65,000 | -51.9% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $65,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $125,000 | $35,000 | -72.0% | 0.0% |
Athens's top lender by overall market share is CapStar Bank, with 9.5% market share. In second place, with 5.9%, is QUICKEN LOANS, LLC, having originated $16,425,000 in loans. In third place, with 5.9%, is MORTGAGE INVESTORS GROUP, INC., having originated $16,325,000 in loans. In fourth place, with 3.8%, is CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP, having originated $10,455,000 in loans. In fifth place, with 3.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $9,690,000 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 | $135,750 (3.9%) | $204,979 (17.2%) | 0.00 | 191 |
| 2018-02-01 | $139,175 (2.7%) | $212,996 (16.9%) | 0.00 | 177 |
| 2018-03-01 | $149,000 (7.0%) | $216,658 (17.0%) | 0.00 | 181 |
| 2018-04-01 | $155,000 (14.8%) | $217,342 (26.1%) | 0.00 | 201 |
| 2018-05-01 | $167,400 (20.5%) | $227,584 (30.9%) | 0.00 | 212 |
| 2018-06-01 | $169,900 (16.9%) | $221,813 (25.2%) | 0.00 | 231 |
| 2018-07-01 | $168,175 (16.1%) | $224,710 (28.9%) | 0.00 | 230 |
| 2018-08-01 | $170,425 (18.7%) | $223,536 (24.4%) | 0.00 | 235 |
| 2018-09-01 | $169,950 (14.1%) | $225,544 (22.9%) | 0.00 | 232 |
| 2018-10-01 | $178,000 (27.2%) | $233,231 (25.9%) | 0.00 | 240 |
| 2018-11-01 | $166,725 (23.5%) | $229,209 (26.7%) | 0.00 | 234 |
| 2018-12-01 | $160,000 (20.8%) | $207,993 (3.1%) | 0.00 | 215 |
| 2019-01-01 | $159,900 (17.8%) | $205,394 (0.2%) | 0.00 | 212 |
| 2019-02-01 | $165,000 (18.6%) | $206,101 (-3.2%) | 0.00 | 204 |
| 2019-03-01 | $171,957 (15.4%) | $205,590 (-5.1%) | 0.00 | 187 |
| 2019-04-01 | $176,675 (14.0%) | $210,251 (-3.3%) | 0.00 | 178 |
| 2019-05-01 | $192,325 (14.9%) | $221,653 (-2.6%) | 0.00 | 191 |
| 2019-06-01 | $189,900 (11.8%) | $219,232 (-1.2%) | 0.00 | 184 |
| 2019-07-01 | $179,900 (7.0%) | $208,836 (-7.1%) | 0.00 | 183 |
| 2019-08-01 | $177,173 (4.0%) | $210,825 (-5.7%) | 0.00 | 177 |
| 2019-09-01 | $173,082 (1.8%) | $210,508 (-6.7%) | 0.00 | 189 |
| 2019-10-01 | $172,855 (-2.9%) | $211,447 (-9.3%) | 0.00 | 191 |
| 2019-11-01 | $160,000 (-4.0%) | $206,257 (-10.0%) | 0.00 | 184 |
| 2019-12-01 | $162,900 (1.8%) | $211,440 (1.7%) | 0.00 | 184 |
| 2020-01-01 | $168,450 (5.4%) | $216,276 (5.3%) | 0.00 | 178 |
| 2020-02-01 | $170,000 (3.0%) | $228,221 (10.7%) | 0.00 | 158 |
| 2020-03-01 | $176,125 (2.4%) | $228,824 (11.3%) | 0.00 | 140 |
| 2020-04-01 | $165,125 (-6.5%) | $222,863 (6.0%) | 0.00 | 133 |
| 2020-05-01 | $189,950 (-1.2%) | $251,107 (13.3%) | 0.00 | 120 |
| 2020-06-01 | $204,325 (7.6%) | $260,984 (19.0%) | 0.00 | 107 |
| 2020-07-01 | $197,250 (9.6%) | $241,656 (15.7%) | 0.00 | 101 |
| 2020-08-01 | $209,950 (18.5%) | $257,256 (22.0%) | 0.00 | 92 |
| 2020-09-01 | $214,475 (23.9%) | $268,089 (27.4%) | 0.00 | 83 |
| 2020-10-01 | $210,000 (21.5%) | $253,917 (20.1%) | 0.00 | 87 |
| 2020-11-01 | $193,225 (20.8%) | $258,052 (25.1%) | 0.00 | 83 |
| 2020-12-01 | $174,600 (7.2%) | $242,470 (14.7%) | 0.00 | 72 |
| 2021-01-01 | $171,750 (2.0%) | $265,280 (22.7%) | 0.00 | 60 |
| 2021-02-01 | $195,350 (14.9%) | $282,907 (24.0%) | 0.00 | 49 |
| 2021-03-01 | $226,250 (28.5%) | $304,468 (33.1%) | 0.00 | 42 |
| 2021-04-01 | $252,450 (52.9%) | $329,885 (48.0%) | 0.00 | 44 |
| 2021-05-01 | $275,000 (44.8%) | $373,345 (48.7%) | 0.00 | 63 |
| 2021-06-01 | $245,000 (19.9%) | $368,581 (41.2%) | 0.00 | 80 |
| 2021-07-01 | $269,799 (36.8%) | $412,679 (70.8%) | 0.00 | 84 |
| 2021-08-01 | $233,700 (11.3%) | $365,017 (41.9%) | 0.00 | 94 |
| 2021-09-01 | $229,750 (7.1%) | $367,726 (37.2%) | 0.00 | 96 |
| 2021-10-01 | $224,950 (7.1%) | $373,069 (46.9%) | 0.00 | 81 |
| 2021-11-01 | $250,075 (29.4%) | $369,595 (43.2%) | 0.00 | 71 |
| 2021-12-01 | $272,450 (56.0%) | $390,914 (61.2%) | 0.00 | 75 |
| 2022-01-01 | $300,000 (74.7%) | $423,874 (59.8%) | 0.00 | 64 |
| 2022-02-01 | $319,184 (63.4%) | $451,173 (59.5%) | 0.00 | 67 |
| 2022-03-01 | $319,950 (41.4%) | $480,360 (57.8%) | 0.00 | 68 |
| 2022-04-01 | $310,028 (22.8%) | $419,062 (27.0%) | 0.00 | 75 |
| 2022-05-01 | $326,200 (18.6%) | $423,988 (13.6%) | 0.00 | 90 |
| 2022-06-01 | $319,950 (30.6%) | $396,779 (7.7%) | 0.00 | 99 |
| 2022-07-01 | $299,900 (11.2%) | $381,474 (-7.6%) | 0.00 | 126 |
| 2022-08-01 | $309,900 (32.6%) | $393,787 (7.9%) | 0.00 | 124 |
| 2022-09-01 | $317,450 (38.2%) | $416,299 (13.2%) | 0.00 | 131 |
| 2022-10-01 | $325,000 (44.5%) | $441,029 (18.2%) | 0.00 | 143 |
| 2022-11-01 | $341,120 (36.4%) | $444,835 (20.4%) | 0.00 | 164 |
| 2022-12-01 | $331,893 (21.8%) | $448,514 (14.7%) | 0.00 | 152 |
| 2023-01-01 | $337,649 (12.6%) | $455,592 (7.5%) | 0.00 | 118 |
| 2023-02-01 | $343,810 (7.7%) | $418,588 (-7.2%) | 0.00 | 109 |
Athens's median listing price comes in at 0% of the national average.
Athens's average listing price for 2023-02-01 was $418,588, a difference of $-32,585 (-7.2%) versus the prior year and $-37,004 versus the prior month.
For the 2023-02-01 period, Athens had 109 MLS listings, a difference of -9 listings (-8%) versus the prior month and 42 listings (63%) 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 | 1,568 sqft |
| 2018-02-01 | 0 days | 1,590 sqft |
| 2018-03-01 | 0 days | 1,704 sqft |
| 2018-04-01 | 0 days | 1,779 sqft |
| 2018-05-01 | 0 days | 1,798 sqft |
| 2018-06-01 | 0 days | 1,816 sqft |
| 2018-07-01 | 0 days | 1,846 sqft |
| 2018-08-01 | 0 days | 1,843 sqft |
| 2018-09-01 | 0 days | 1,826 sqft |
| 2018-10-01 | 0 days | 1,857 sqft |
| 2018-11-01 | 0 days | 1,799 sqft |
| 2018-12-01 | 0 days | 1,768 sqft |
| 2019-01-01 | 0 days | 1,756 sqft |
| 2019-02-01 | 0 days | 1,757 sqft |
| 2019-03-01 | 0 days | 1,792 sqft |
| 2019-04-01 | 0 days | 1,818 sqft |
| 2019-05-01 | 0 days | 1,878 sqft |
| 2019-06-01 | 0 days | 1,909 sqft |
| 2019-07-01 | 0 days | 1,843 sqft |
| 2019-08-01 | 0 days | 1,830 sqft |
| 2019-09-01 | 0 days | 1,746 sqft |
| 2019-10-01 | 0 days | 1,689 sqft |
| 2019-11-01 | 0 days | 1,528 sqft |
| 2019-12-01 | 0 days | 1,586 sqft |
| 2020-01-01 | 0 days | 1,650 sqft |
| 2020-02-01 | 0 days | 1,820 sqft |
| 2020-03-01 | 0 days | 1,834 sqft |
| 2020-04-01 | 0 days | 1,830 sqft |
| 2020-05-01 | 0 days | 1,917 sqft |
| 2020-06-01 | 0 days | 2,010 sqft |
| 2020-07-01 | 0 days | 1,910 sqft |
| 2020-08-01 | 0 days | 1,991 sqft |
| 2020-09-01 | 0 days | 2,108 sqft |
| 2020-10-01 | 0 days | 2,016 sqft |
| 2020-11-01 | 0 days | 1,900 sqft |
| 2020-12-01 | 0 days | 1,798 sqft |
| 2021-01-01 | 0 days | 1,791 sqft |
| 2021-02-01 | 0 days | 1,806 sqft |
| 2021-03-01 | 0 days | 1,833 sqft |
| 2021-04-01 | 0 days | 1,824 sqft |
| 2021-05-01 | 0 days | 1,889 sqft |
| 2021-06-01 | 0 days | 1,846 sqft |
| 2021-07-01 | 0 days | 2,000 sqft |
| 2021-08-01 | 0 days | 1,934 sqft |
| 2021-09-01 | 0 days | 1,832 sqft |
| 2021-10-01 | 0 days | 1,768 sqft |
| 2021-11-01 | 0 days | 1,897 sqft |
| 2021-12-01 | 0 days | 1,861 sqft |
| 2022-01-01 | 0 days | 1,873 sqft |
| 2022-02-01 | 0 days | 2,001 sqft |
| 2022-03-01 | 0 days | 1,920 sqft |
| 2022-04-01 | 0 days | 1,927 sqft |
| 2022-05-01 | 0 days | 1,932 sqft |
| 2022-06-01 | 0 days | 1,847 sqft |
| 2022-07-01 | 0 days | 1,774 sqft |
| 2022-08-01 | 0 days | 1,813 sqft |
| 2022-09-01 | 0 days | 1,880 sqft |
| 2022-10-01 | 0 days | 1,991 sqft |
| 2022-11-01 | 0 days | 2,027 sqft |
| 2022-12-01 | 0 days | 1,994 sqft |
| 2023-01-01 | 0 days | 2,044 sqft |
| 2023-02-01 | 0 days | 1,997 sqft |
Athens's median square footage for active listings during the 2023-02-01 period was 1,997 sqft. One year prior, the average listing was 2,001 sqft.
Athens, TN Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 768 | $171,460,000 | $223,255 |
| Cash Out Refi | 300 | $51,170,000 | $170,567 |
| Refi | 174 | $35,370,000 | $203,276 |
| Other | 114 | $11,550,000 | $101,316 |
| Home Improvement | 79 | $7,255,000 | $91,835 |
Athens's most frequently cited loan purpose was Home Purchase, with 768 originations. The 2nd most popular reason was Cash Out Refi, with 300 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 343 | $75,555,000 | $220,277 |
| 5-6% | 338 | $70,010,000 | $207,130 |
| 3-4% | 301 | $56,275,000 | $186,960 |
| 6-7% | 199 | $35,055,000 | $176,156 |
| 2.5-3% | 71 | $13,395,000 | $188,662 |
| 7-8% | 55 | $7,005,000 | $127,364 |
| <2.5% | 26 | $3,580,000 | $137,692 |
| Over 8% | 24 | $2,350,000 | $97,917 |
During 2022, Athens's most frequently originated rate bucket was 4-5%, with 343 originations.
Loan Sizing (Athens, TN MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 587 | $87,515,000 | $149,089 |
| $200k-400k | 461 | $124,985,000 | $271,117 |
| $100,000 or less | 310 | $19,100,000 | $61,613 |
| $400k-600k | 61 | $28,275,000 | $463,525 |
| $600k-1000k | 13 | $9,015,000 | $693,462 |
| $Over $1MM | 3 | $7,915,000 | $2,638,333 |
Athens's loan sizing saw the bucket of loans from $100k-200k with 587 originations, totaling $87,515,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 592 | $134,240,000 | $226,757 |
| 60-80% | 344 | $71,310,000 | $207,297 |
| 40-60% | 150 | $29,290,000 | $195,267 |
| 20-40% | 139 | $15,175,000 | $109,173 |
| Under 20% | 99 | $4,435,000 | $44,798 |
| Over 100% | 25 | $7,375,000 | $295,000 |
Athens's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 592 originations, totaling $134,240,000 in origination value.