Athens Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Athens averaged 6.71% for the week of 2024-06-06, compared to the national average of 6.99% for the same period.

The average rate for the prior week (2024-05-30) was 6.85% and one month ago for the week of 2024-05-02, the average rate was 7.24%.

Athens's average rate one year ago was 6.51%.

For refis of the same type during the week of 2024-06-06, the average rate was 7.59%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-06-06 6.99%
Athens 30 Year Fixed Rate 2024-06-06 6.71%
Athens 30 Year Fixed Rate Refi 2024-06-06 7.59%
Athens 15 Year Fixed Rate 2024-06-06 6.29%
Athens 15 Year Fixed Rate Refi 2024-06-06 6.69%
Athens 30 Year FHA 2024-06-06 6.43%
Athens 30 Year FHA Refi 2024-06-06 6.89%
Athens 30 Year USDA 2024-06-06 6.7%
Athens 30 Year USDA Refi 2024-06-06 6.6%
Athens 30 Year VA 2024-06-06 6.61%
Athens 30 Year VA Refi 2024-06-06 6.59%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Athens, TN.

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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
CapStar Bank 33 6.66% $3,591
MORTGAGE INVESTORS GROUP, INC. 30 6.60% $5,458
QUICKEN LOANS, LLC 26 6.71% $5,325
DHI MORTGAGE COMPANY, LTD. 24 5.50% $2,496
UNITED WHOLESALE MORTGAGE, LLC 22 7.03% $6,773
Farm Credit Mid-America, ACA 12 7.16% $7,944
Simmons Bank 11 6.73% $4,125
CMG MORTGAGE, INC. 10 6.44% $5,988
ORNL Federal Credit Union 9 6.15% $4,574
MOVEMENT MORTGAGE, LLC 8 6.92% $5,224
Truist 8 6.64% $3,959
Bowater Employees Credit Union 7 7.39% $4,410
VANDERBILT MORTGAGE AND FINANCE, INC. 6 7.79% $6,488
FIRST COMMUNITY MORTGAGE, INC. 6 6.60% $5,177
Citizens Bank 5 6.58% $7,342
Y-12 Federal Credit Union 4 6.44% $6,561
STOCKTON MORTGAGE CORPORATION 4 6.88% $6,282
TENNESSEE VALLEY 4 6.49% $5,158
LOANDEPOT.COM, LLC 4 6.53% $6,834
Mr. Cooper ( Nationstar Mortgage ) 4 6.71% $7,362
BancorpSouth 4 6.47% $3,962
ENRICHMENT 3 4.75% $5,626
CARDINAL FINANCIAL 3 6.29% $10,735
FirstBank 3 7.65% $4,037
First Citizens National Bank 3 6.79% $2,969
Sierra Pacific Mortgage Company, Inc. 3 6.71% $6,909
First Horizon Bank 3 7.00% $14,659
Mortgage Research Center, LLC 3 6.42% $5,212
Gateway First Bank 3 6.88% $4,000
COMMUNITY MORTGAGE CORPORATION 3 6.83% $4,572
21ST MORTGAGE CORPORATION 2 7.75% $5,229
PENNYMAC LOAN SERVICES, LLC 2 6.62% $10,420
Renasant Bank 2 6.75% $5,195
SouthEast Bank 2 6.45% $1,810
UNION HOME MORTGAGE CORP. 2 6.38% $6,557
MICHIGAN MUTUAL, INC. 1 6.63% $7,119
Grow Financial Federal Credit Union 1 7.38% $5,157
Flagstar Bank, FSB 1 6.13% $5,969
DAS Acquisition Company, LLC 1 6.38% $4,153
CROSSCOUNTRY MORTGAGE, LLC 1 6.88% $4,855
NAVY FEDERAL CREDIT UNION 1 7.13% $2,004
NEWREZ LLC 1 6.13% $2,422
NFM, INC. 1 6.99% $3,741
NORTHERN MORTGAGE SERVICES, LLC 1 7.50% $3,842
Commercial Bank 1 6.74% $0
Wells Fargo Bank 1 7.50% $3,797
Pinnacle Bank 1 7.88% $3,856
Princeton Mortgage Corporation 1 7.38% $14,791
Prosperity Home Mortgage, LLC 1 6.25% $9,191
CHURCHILL MORTGAGE CORPORATION 1 6.63% $3,296
Regions Bank 1 7.00% $3,759
RELIANCE FIRST CAPITAL, LLC 1 6.75% $7,321
Wolfe Financial, Inc 1 6.75% $3,915
River Valley AgCredit, ACA 1 7.75% $8,636
ROYAL UNITED MORTGAGE LLC 1 8.13% $10,397
S1L, Inc. 1 7.99% $4,468
BROKER SOLUTIONS, INC. 1 7.88% $8,335
Bank of America 1 7.25% $3,844
ACADEMY MORTGAGE CORPORATION 1 6.88% $5,667
Armed Forces Bank 1 6.00% $11,613
SUMMIT FUNDING, INC. 1 8.13% $8,296
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.99% $5,049
TJC Mortgage, Inc. 1 6.13% $7,382
AMERISAVE MORTGAGE CORPORATION 1 5.88% $5,906
ZILLOW HOME LOANS, LLC 1 7.38% $4,266
UNITED 1 6.88% $3,580
United Community Bank 1 7.75% $7,039
AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.88% $3,436
U.S. Bank 1 6.63% $2,877
AMERICAN FINANCIAL NETWORK, INC. 1 6.63% $5,306
HOMESIDE FINANCIAL, LLC 1 6.88% $10,456
INTERNATIONAL CITY MORTGAGE, INC. 1 6.50% $3,776
JPMorgan Chase Bank 1 6.99% $3,500
GUARANTY MORTGAGE SERVICES, L.L.C. 1 7.13% $4,969

Athens Average Closing Costs & Other Stats

Athens, TN's 74 lenders originated 1,150 loans during 2023. The total origination value was $223,300,000, with an average loan value of $194,174.

Athens's average closing costs are $5,409.

The top Athens lender as defined by loan originations is CapStar Bank, with 33 loans originated. Their average total fees are $3,591, which is $1,867 lower than the next largest lender, MORTGAGE INVESTORS GROUP, INC..

The lowest fee Athens lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($2,496), CapStar Bank ($3,591), Simmons Bank ($4,125), QUICKEN LOANS, LLC ($5,325) and MORTGAGE INVESTORS GROUP, INC. ($5,458).

The lowest rate Athens lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.50%), CMG MORTGAGE, INC. (6.44%), MORTGAGE INVESTORS GROUP, INC. (6.60%), CapStar Bank (6.66%) and QUICKEN LOANS, LLC (6.71%).

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
DHI MORTGAGE COMPANY, LTD. $5,605,000 $21,020,000 275.0% 9.4%
MORTGAGE INVESTORS GROUP, INC. $16,325,000 $16,315,000 -0.1% 7.3%
CapStar Bank $26,400,000 $14,180,000 -46.3% 6.4%
UNITED WHOLESALE MORTGAGE, LLC $9,690,000 $13,215,000 36.4% 5.9%
QUICKEN LOANS, LLC $16,425,000 $10,495,000 -36.1% 4.7%
CMG MORTGAGE, INC. $5,735,000 $7,585,000 32.3% 3.4%
Mortgage Research Center, LLC $9,335,000 $7,260,000 -22.2% 3.3%
Simmons Bank $8,670,000 $6,145,000 -29.1% 2.8%
CARDINAL FINANCIAL $10,455,000 $4,925,000 -52.9% 2.2%
Farm Credit Mid-America, ACA $5,890,000 $4,920,000 -16.5% 2.2%
TENNESSEE VALLEY $7,255,000 $4,525,000 -37.6% 2.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $3,075,000 $4,500,000 46.3% 2.0%
NEWREZ LLC $1,385,000 $4,260,000 207.6% 1.9%
FIRST COMMUNITY MORTGAGE, INC. $8,005,000 $4,190,000 -47.7% 1.9%
MOVEMENT MORTGAGE, LLC $4,300,000 $4,040,000 -6.0% 1.8%
LOANDEPOT.COM, LLC $3,105,000 $3,930,000 26.6% 1.8%
Regions Bank $4,670,000 $3,045,000 -34.8% 1.4%
Truist $4,760,000 $3,035,000 -36.2% 1.4%
First Citizens National Bank $1,605,000 $2,950,000 83.8% 1.3%
First Horizon Bank $1,180,000 $2,835,000 140.3% 1.3%
ORNL Federal Credit Union $2,470,000 $2,455,000 -0.6% 1.1%
SouthEast Bank $3,065,000 $2,455,000 -19.9% 1.1%
1ST SIGNATURE LENDING, LLC $1,440,000 $2,310,000 60.4% 1.0%
COMMUNITY MORTGAGE CORPORATION $2,655,000 $2,285,000 -13.9% 1.0%
Citizens Bank $205,000 $2,110,000 929.3% 0.9%
United Community Bank $3,020,000 $2,060,000 -31.8% 0.9%
FREEDOM MORTGAGE CORPORATION $3,475,000 $2,010,000 -42.2% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $3,430,000 $1,880,000 -45.2% 0.8%
Sierra Pacific Mortgage Company, Inc. $1,250,000 $1,845,000 47.6% 0.8%
Gateway First Bank $5,275,000 $1,835,000 -65.2% 0.8%
AMERICAN FINANCIAL RESOURCES, INC. $425,000 $1,730,000 307.1% 0.8%
Bank of Cleveland $2,325,000 $1,675,000 -28.0% 0.8%
Y-12 Federal Credit Union $355,000 $1,635,000 360.6% 0.7%
Citizens National Bank $1,885,000 $1,575,000 -16.4% 0.7%
First Volunteer Bank $1,680,000 $1,520,000 -9.5% 0.7%
TJC Mortgage, Inc. $4,025,000 $1,485,000 -63.1% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $645,000 $1,455,000 125.6% 0.7%
PENNYMAC LOAN SERVICES, LLC $2,825,000 $1,430,000 -49.4% 0.6%
NAVY FEDERAL CREDIT UNION $930,000 $1,375,000 47.8% 0.6%
FirstBank $1,535,000 $1,365,000 -11.1% 0.6%
Bowater Employees Credit Union $4,555,000 $1,300,000 -71.5% 0.6%
21ST MORTGAGE CORPORATION $2,520,000 $1,235,000 -51.0% 0.6%
STOCKTON MORTGAGE CORPORATION $1,430,000 $1,170,000 -18.2% 0.5%
PHH Mortgage Corporation $95,000 $1,165,000 1,126.3% 0.5%
LEADERONE FINANCIAL CORPORATION $1,085,000 n/a 0.5%
ENRICHMENT $255,000 $1,015,000 298.0% 0.5%
BancorpSouth $1,175,000 $980,000 -16.6% 0.4%
Equity Prime Mortgage LLC $115,000 $915,000 695.7% 0.4%
Peoples Bank of East Tennessee $1,935,000 $760,000 -60.7% 0.3%
BROKER SOLUTIONS, INC. $1,225,000 $755,000 -38.4% 0.3%
USAA Federal Savings Bank $945,000 $750,000 -20.6% 0.3%
UNION HOME MORTGAGE CORP. $205,000 $730,000 256.1% 0.3%
Renasant Bank $2,515,000 $720,000 -71.4% 0.3%
U.S. Bank $1,010,000 $710,000 -29.7% 0.3%
Bank of America $540,000 $705,000 30.6% 0.3%
MID AMERICA MORTGAGE, INC. $455,000 $695,000 52.7% 0.3%
LAKEVIEW LOAN SERVICING, LLC $690,000 $665,000 -3.6% 0.3%
Flagstar Bank, FSB $1,230,000 $655,000 -46.7% 0.3%
AMERICAN FINANCIAL NETWORK, INC. $645,000 n/a 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $245,000 $645,000 163.3% 0.3%
NFM, INC. $630,000 n/a 0.3%
LENDINGHOME FUNDING CORPORATION $250,000 $615,000 146.0% 0.3%
River Valley AgCredit, ACA $610,000 n/a 0.3%
MICHIGAN MUTUAL, INC. $595,000 $605,000 1.7% 0.3%
KNOXVILLE TVA EMPLOYEES CREDIT UNION $525,000 $555,000 5.7% 0.2%
SOUTHWEST STAGE FUNDING, LLC $1,280,000 $535,000 -58.2% 0.2%
Wells Fargo Bank $1,735,000 $530,000 -69.5% 0.2%
VILLAGE CAPITAL MORTGAGE $135,000 $510,000 277.8% 0.2%
SUMMIT FUNDING, INC. $205,000 $495,000 141.5% 0.2%
HOMESIDE FINANCIAL, LLC $175,000 $470,000 168.6% 0.2%
ISERVE RESIDENTIAL LENDING, LLC $490,000 $470,000 -4.1% 0.2%
PLANET HOME LENDING, LLC $675,000 $465,000 -31.1% 0.2%
Princeton Mortgage Corporation $930,000 $445,000 -52.2% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $1,055,000 $440,000 -58.3% 0.2%
Coastal Community Bank $435,000 n/a 0.2%
NEW DAY FINANCIAL, LLC $1,215,000 $420,000 -65.4% 0.2%
TOWNE MORTGAGE COMPANY $415,000 n/a 0.2%
Plains Commerce Bank $405,000 n/a 0.2%
Affiliated Bank $400,000 n/a 0.2%
MORTGAGE SOLUTIONS OF COLORADO, LLC $500,000 $400,000 -20.0% 0.2%
ROYAL UNITED MORTGAGE LLC $435,000 $400,000 -8.0% 0.2%
First Financial Bank $395,000 n/a 0.2%
AMERISAVE MORTGAGE CORPORATION $560,000 $390,000 -30.4% 0.2%
PANORAMA MORTGAGE GROUP, LLC $380,000 n/a 0.2%
Ameris Bank $375,000 $365,000 -2.7% 0.2%
SIRVA MORTGAGE, INC. $365,000 n/a 0.2%
SmartBank $360,000 n/a 0.2%
Prosperity Home Mortgage, LLC $355,000 n/a 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,420,000 $350,000 -75.4% 0.2%
BMO Harris Bank $340,000 n/a 0.2%
Nations Lending Corporation $175,000 $330,000 88.6% 0.1%
Armed Forces Bank $315,000 n/a 0.1%
FLAT BRANCH MORTGAGE, INC. $305,000 n/a 0.1%
Grow Financial Federal Credit Union $285,000 n/a 0.1%
UNITED $285,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $345,000 $280,000 -18.8% 0.1%
CONTOUR MORTGAGE CORPORATION $275,000 n/a 0.1%
Waterstone Mortgage Corporation $275,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $270,000 n/a 0.1%
Commercial Bank $340,000 $255,000 -25.0% 0.1%
HOMESTAR FINANCIAL CORPORATION $420,000 $255,000 -39.3% 0.1%
FirstTrust Home Loans, Inc. $245,000 n/a 0.1%
GMFS LLC $245,000 n/a 0.1%
Magnolia Bank $245,000 n/a 0.1%
VAN DYK MORTGAGE CORPORATION $195,000 $235,000 20.5% 0.1%
ALAMEDA MORTGAGE CORPORATION $370,000 $225,000 -39.2% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $315,000 $220,000 -30.2% 0.1%
ACADEMY MORTGAGE CORPORATION $215,000 n/a 0.1%
BAYSHORE MORTGAGE FUNDING, LLC $215,000 n/a 0.1%
Pinnacle Bank $660,000 $215,000 -67.4% 0.1%
S1L, Inc. $215,000 n/a 0.1%
JPMorgan Chase Bank $1,160,000 $210,000 -81.9% 0.1%
AMERICAN FINANCING CORPORATION $365,000 $205,000 -43.8% 0.1%
Bank of England $165,000 $205,000 24.2% 0.1%
Barrington Bank & Trust Company, N.A. $755,000 $205,000 -72.8% 0.1%
CALCON MUTUAL MORTGAGE LLC $205,000 n/a 0.1%
INTERNATIONAL CITY MORTGAGE, INC. $195,000 n/a 0.1%
Carrington Mortgage Services, LLC $645,000 $185,000 -71.3% 0.1%
SOUTHPOINT FINANCIAL SERVICES, INC. $145,000 $185,000 27.6% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $325,000 $185,000 -43.1% 0.1%
TRIAD FINANCIAL SERVICES, INC. $185,000 n/a 0.1%
CITYWIDE HOME LOANS, LLC $175,000 n/a 0.1%
Wolfe Financial, Inc $175,000 n/a 0.1%
AMCAP MORTGAGE, LTD. $225,000 $170,000 -24.4% 0.1%
AMERICAN HERITAGE LENDING, INC. $165,000 n/a 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $800,000 $165,000 -79.4% 0.1%
MILEND, INC. $165,000 n/a 0.1%
TOP FLITE FINANCIAL, INC. $145,000 $165,000 13.8% 0.1%
Baxter Credit Union $225,000 $155,000 -31.1% 0.1%
EMM LOANS LLC $155,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $155,000 n/a 0.1%
Apex Bank $400,000 $150,000 -62.5% 0.1%
Figure Lending LLC $120,000 $150,000 25.0% 0.1%
Discover Bank $105,000 $145,000 38.1% 0.1%
GUARANTY MORTGAGE SERVICES, L.L.C. $145,000 n/a 0.1%
LONGBRIDGE FINANCIAL, LLC $165,000 $140,000 -15.2% 0.1%
NORTHERN MORTGAGE SERVICES, LLC $135,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,060,000 $135,000 -87.3% 0.1%
GUILD MORTGAGE COMPANY $1,145,000 $125,000 -89.1% 0.1%
DAS Acquisition Company, LLC $470,000 $105,000 -77.7% 0.0%
DEEPHAVEN MORTGAGE LLC $105,000 n/a 0.0%
PNC Bank $110,000 $105,000 -4.5% 0.0%
CHURCHILL MORTGAGE CORPORATION $95,000 n/a 0.0%
Citadel Servicing Corporation $95,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $85,000 n/a 0.0%
Honor Credit Union $85,000 n/a 0.0%
LOANPAL, LLC $75,000 n/a 0.0%
Pinnacle Bank $660,000 $65,000 -90.2% 0.0%
F&M Bank $45,000 n/a 0.0%
The Federal Savings Bank $660,000 $45,000 -93.2% 0.0%

Athens's top lender by overall market share is DHI MORTGAGE COMPANY, LTD., with 9.4% market share. In second place, with 7.3%, is MORTGAGE INVESTORS GROUP, INC., having originated $16,315,000 in loans. In third place, with 6.4%, is CapStar Bank, having originated $14,180,000 in loans. In fourth place, with 5.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $13,215,000 in loans. In fifth place, with 4.7%, is QUICKEN LOANS, LLC, having originated $10,495,000 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 $135,350 (3.6%) $204,617 (17.0%) 0.00 190
2018-02-01 $138,450 (2.2%) $212,635 (16.7%) 0.00 176
2018-03-01 $148,450 (6.6%) $216,332 (16.8%) 0.00 180
2018-04-01 $155,000 (14.8%) $217,071 (25.9%) 0.00 200
2018-05-01 $166,800 (20.1%) $227,205 (30.7%) 0.00 211
2018-06-01 $169,900 (16.9%) $221,615 (25.1%) 0.00 230
2018-07-01 $167,175 (15.4%) $224,525 (28.8%) 0.00 229
2018-08-01 $169,900 (18.3%) $223,349 (24.3%) 0.00 234
2018-09-01 $169,950 (14.1%) $225,544 (22.9%) 0.00 232
2018-10-01 $175,975 (25.8%) $233,086 (25.8%) 0.00 239
2018-11-01 $165,200 (22.4%) $229,045 (26.9%) 0.00 233
2018-12-01 $160,000 (23.1%) $207,727 (3.2%) 0.00 214
2019-01-01 $159,900 (18.1%) $205,098 (0.2%) 0.00 211
2019-02-01 $165,000 (19.2%) $205,802 (-3.2%) 0.00 203
2019-03-01 $171,914 (15.8%) $205,981 (-4.8%) 0.00 186
2019-04-01 $177,450 (14.5%) $211,105 (-2.8%) 0.00 177
2019-05-01 $192,325 (15.3%) $221,858 (-2.4%) 0.00 190
2019-06-01 $189,900 (11.8%) $219,647 (-0.9%) 0.00 184
2019-07-01 $179,900 (7.6%) $209,178 (-6.8%) 0.00 182
2019-08-01 $177,173 (4.3%) $211,112 (-5.5%) 0.00 177
2019-09-01 $173,082 (1.8%) $210,634 (-6.6%) 0.00 188
2019-10-01 $172,855 (-1.8%) $211,465 (-9.3%) 0.00 191
2019-11-01 $160,000 (-3.2%) $206,257 (-10.0%) 0.00 184
2019-12-01 $162,900 (1.8%) $211,440 (1.8%) 0.00 184
2020-01-01 $168,450 (5.4%) $216,276 (5.5%) 0.00 178
2020-02-01 $170,000 (3.0%) $228,221 (10.9%) 0.00 158
2020-03-01 $176,125 (2.5%) $228,824 (11.1%) 0.00 140
2020-04-01 $165,125 (-7.0%) $222,863 (5.6%) 0.00 133
2020-05-01 $189,950 (-1.2%) $251,107 (13.2%) 0.00 120
2020-06-01 $204,325 (7.6%) $260,984 (18.8%) 0.00 107
2020-07-01 $197,250 (9.6%) $241,656 (15.5%) 0.00 101
2020-08-01 $209,950 (18.5%) $257,256 (21.9%) 0.00 92
2020-09-01 $214,475 (23.9%) $268,089 (27.3%) 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%) $415,887 (13.1%) 0.00 131
2022-10-01 $324,950 (44.5%) $440,068 (18.0%) 0.00 143
2022-11-01 $329,950 (31.9%) $438,882 (18.8%) 0.00 164
2022-12-01 $331,893 (21.8%) $447,421 (14.5%) 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
2023-03-01 $344,620 (7.7%) $437,641 (-8.9%) 0.00 101
2023-04-01 $347,000 (11.9%) $471,775 (12.6%) 0.00 88
2023-05-01 $316,635 (-2.9%) $412,847 (-2.6%) 0.00 128
2023-06-01 $321,000 (0.3%) $415,279 (4.7%) 0.00 130
2023-07-01 $299,900 (0.0%) $403,359 (5.7%) 0.00 130
2023-08-01 $343,228 (10.8%) $443,200 (12.6%) 0.00 139
2023-09-01 $329,500 (3.8%) $423,846 (1.9%) 0.00 147
2023-10-01 $308,900 (-4.9%) $402,343 (-8.6%) 0.00 161
2023-11-01 $302,100 (-8.4%) $389,103 (-11.3%) 0.00 174
2023-12-01 $309,000 (-6.9%) $406,867 (-9.1%) 0.00 175
2024-01-01 $320,250 (-5.2%) $403,851 (-11.4%) 0.00 158
2024-02-01 $337,450 (-1.9%) $426,313 (1.9%) 0.00 150
2024-03-01 $349,999 (1.6%) $434,228 (-0.8%) 0.00 141
2024-04-01 $325,000 (-6.3%) $381,739 (-19.1%) 0.00 124
2024-05-01 $325,000 (2.6%) $379,109 (-8.2%) 0.00 151
Athens's median listing price for 2024-05-01 was $325,000, a difference of $8,365 (2.6%) versus the prior year and $0 versus the prior month.

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

Athens's average listing price for 2024-05-01 was $379,109, a difference of $-33,738 (-8.2%) versus the prior year and $-2,630 versus the prior month.

For the 2024-05-01 period, Athens had 151 MLS listings, a difference of 27 listings (22%) versus the prior month and 23 listings (18%) 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 1,567 sqft
2018-02-01 0 days 1,589 sqft
2018-03-01 0 days 1,708 sqft
2018-04-01 0 days 1,784 sqft
2018-05-01 0 days 1,800 sqft
2018-06-01 0 days 1,817 sqft
2018-07-01 0 days 1,849 sqft
2018-08-01 0 days 1,848 sqft
2018-09-01 0 days 1,826 sqft
2018-10-01 0 days 1,860 sqft
2018-11-01 0 days 1,805 sqft
2018-12-01 0 days 1,772 sqft
2019-01-01 0 days 1,761 sqft
2019-02-01 0 days 1,759 sqft
2019-03-01 0 days 1,797 sqft
2019-04-01 0 days 1,821 sqft
2019-05-01 0 days 1,888 sqft
2019-06-01 0 days 1,909 sqft
2019-07-01 0 days 1,848 sqft
2019-08-01 0 days 1,831 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 1,934 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 1,976 sqft
2022-11-01 0 days 2,023 sqft
2022-12-01 0 days 1,994 sqft
2023-01-01 0 days 2,044 sqft
2023-02-01 0 days 2,012 sqft
2023-03-01 0 days 2,092 sqft
2023-04-01 0 days 1,994 sqft
2023-05-01 0 days 1,964 sqft
2023-06-01 0 days 1,962 sqft
2023-07-01 0 days 1,895 sqft
2023-08-01 0 days 1,817 sqft
2023-09-01 0 days 1,725 sqft
2023-10-01 0 days 1,699 sqft
2023-11-01 0 days 1,698 sqft
2023-12-01 0 days 1,690 sqft
2024-01-01 0 days 1,702 sqft
2024-02-01 0 days 1,734 sqft
2024-03-01 0 days 1,779 sqft
2024-04-01 0 days 1,655 sqft
2024-05-01 0 days 1,660 sqft
Athens's median listing age (time on market) for 2024-05-01 was 0 days.

Athens's median square footage for active listings during the 2024-05-01 period was 1,660 sqft. One year prior, the average listing was 1,964 sqft.

Athens, TN Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 711 $163,605,000 $230,105
Cash Out Refi 163 $28,305,000 $173,650
Other 100 $7,900,000 $79,000
Refi 90 $15,080,000 $167,556
Home Improvement 86 $8,410,000 $97,791

Athens's most frequently cited loan purpose was Home Purchase, with 711 originations. The 2nd most popular reason was Cash Out Refi, with 163 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 363 $81,895,000 $225,606
7-8% 250 $53,120,000 $212,480
Over 8% 226 $22,200,000 $98,230
5-6% 224 $51,540,000 $230,089
4-5% 35 $8,535,000 $243,857
<2.5% 7 $35,000 $5,000
3-4% 2 $280,000 $140,000

During 2023, Athens's most frequently originated rate bucket was 6-7%, with 363 originations.

Loan Sizing (Athens, TN MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 416 $110,460,000 $265,529
$100k-200k 394 $60,020,000 $152,335
$100,000 or less 264 $13,910,000 $52,689
$400k-600k 68 $31,780,000 $467,353
$600k-1000k 6 $4,350,000 $725,000
$Over $1MM 2 $2,780,000 $1,390,000

Athens's loan sizing saw the bucket of loans from $200k-400k with 416 originations, totaling $110,460,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 504 $126,560,000 $251,111
60-80% 214 $47,020,000 $219,720
Under 20% 140 $5,840,000 $41,714
20-40% 113 $10,605,000 $93,850
40-60% 111 $19,875,000 $179,054
Over 100% 26 $7,370,000 $283,462

Athens's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 504 originations, totaling $126,560,000 in origination value.