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 7.08% for the week of 2023-09-21, compared to the national average of 7.19% for the same period.

The average rate for the prior week (2023-09-14) was 6.97% and one month ago for the week of 2023-08-17, the average rate was 6.88%.

Athens's average rate one year ago was 5.81%.

For refis of the same type during the week of 2023-09-21, the average rate was 7.29%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-21 7.19%
Athens 30 Year Fixed Rate 2023-09-21 7.08%
Athens 30 Year Fixed Rate Refi 2023-09-21 7.29%
Athens 15 Year Fixed Rate 2023-09-21 6.44%
Athens 15 Year Fixed Rate Refi 2023-09-21 6.64%
Athens 30 Year FHA 2023-09-21 6.62%
Athens 30 Year FHA Refi 2023-09-21 7.14%
Athens 30 Year USDA 2023-09-21 7.12%
Athens 30 Year USDA Refi 2023-09-21 6.82%
Athens 30 Year VA 2023-09-21 6.7%
Athens 30 Year VA Refi 2023-09-21 6.62%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
CapStar Bank 38 4.47% $3,366
QUICKEN LOANS, LLC 36 4.89% $5,863
MORTGAGE INVESTORS GROUP, INC. 27 5.42% $4,861
UNITED WHOLESALE MORTGAGE, LLC 23 5.29% $6,688
FIRST COMMUNITY MORTGAGE, INC. 23 4.88% $5,702
Simmons Bank 20 4.54% $4,919
Bowater Employees Credit Union 19 4.16% $4,631
CARDINAL FINANCIAL 14 4.39% $8,399
Gateway First Bank 14 5.11% $4,061
TENNESSEE VALLEY 14 4.36% $4,113
CALIBER HOME LOANS, INC. 13 5.25% $5,554
DHI MORTGAGE COMPANY, LTD. 12 5.01% $4,011
MOVEMENT MORTGAGE, LLC 12 4.84% $4,298
Farm Credit Mid-America, ACA 11 5.28% $8,407
CMG MORTGAGE, INC. 11 5.52% $5,663
United Community Bank 9 4.41% $4,221
ORNL Federal Credit Union 9 4.17% $4,870
HOME POINT FINANCIAL CORPORATION 8 4.48% $5,509
Truist 8 4.69% $4,573
LOANDEPOT.COM, LLC 8 4.00% $6,244
Mr. Cooper ( Nationstar Mortgage ) 7 5.57% $6,314
Mortgage Research Center, LLC 7 4.18% $3,456
Regions Bank 6 4.35% $4,167
VANDERBILT MORTGAGE AND FINANCE, INC. 6 6.62% $8,951
TJC Mortgage, Inc. 5 5.40% $6,277
Renasant Bank 5 5.80% $3,691
PENNYMAC LOAN SERVICES, LLC 4 4.84% $6,455
Wells Fargo Bank 4 6.03% $4,949
FREEDOM MORTGAGE CORPORATION 4 6.09% $6,856
Citizens Bank 4 4.28% $4,279
21ST MORTGAGE CORPORATION 4 7.26% $6,111
JPMorgan Chase Bank 3 5.00% $5,423
AgFirst Farm Credit Bank 3 5.58% $4,736
ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 5.25% $7,020
BancorpSouth 3 4.88% $4,356
BETTER MORTGAGE CORPORATION 3 4.08% $4,039
COMMUNITY MORTGAGE CORPORATION 3 4.29% $3,005
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.00% $4,230
FINANCE OF AMERICA MORTGAGE LLC 3 4.71% $9,631
First Horizon Bank 3 5.71% $4,105
Flagstar Bank, FSB 3 4.64% $4,547
Pinnacle Bank 3 4.63% $3,610
T2 FINANCIAL LLC 2 5.44% $5,161
NEWREZ LLC 2 6.13% $3,821
HOMESTAR FINANCIAL CORPORATION 2 4.94% $4,581
First Citizens National Bank 2 5.06% $2,932
MICHIGAN MUTUAL, INC. 2 6.00% $6,261
ROYAL UNITED MORTGAGE LLC 2 5.19% $8,175
AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.56% $10,254
Sierra Pacific Mortgage Company, Inc. 2 6.25% $11,487
Home Federal Bank of Tennessee 2 3.25% $6,312
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 5.63% $4,512
STOCKTON MORTGAGE CORPORATION 2 6.19% $4,513
Princeton Mortgage Corporation 2 5.25% $8,689
FirstBank 2 6.50% $4,897
DAS Acquisition Company, LLC 1 6.12% $6,013
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.25% $6,714
NAVY FEDERAL CREDIT UNION 1 6.75% $1,266
Northpointe Bank 1 5.63% $9,094
CROSSCOUNTRY MORTGAGE, LLC 1 5.88% $4,176
Commercial Bank 1 3.74% $0
Y-12 Federal Credit Union 1 4.38% $3,635
Citibank 1 4.25% $6,290
RANLIFE, INC. 1 4.75% $6,116
BROKER SOLUTIONS, INC. 1 4.25% $3,788
RELIANCE FIRST CAPITAL, LLC 1 4.38% $5,579
GUILD MORTGAGE COMPANY 1 4.25% $17,588
BAY EQUITY LLC 1 3.63% $3,684
SOUTHWEST FUNDING, LP 1 7.13% $6,713
SUCCESS MORTGAGE PARTNERS, INC. 1 4.63% $9,432
SUMMIT FUNDING, INC. 1 5.63% $4,670
Baxter Credit Union 1 4.88% $2,539
THE MORTGAGE FIRM, INC. 1 4.50% $4,332
Ameris Bank 1 5.13% $3,783
AMERISAVE MORTGAGE CORPORATION 1 2.99% $13,227
UNION HOME MORTGAGE CORP. 1 3.50% $3,562
AMERICAN FINANCING CORPORATION 1 3.25% $5,793
U.S. Bank 1 4.50% $3,061
AMERICAN FINANCIAL RESOURCES, INC. 1 5.75% $2,612
ALAMEDA MORTGAGE CORPORATION 1 6.99% $5,602
Wyndham Capital Mortgage, Inc. 1 6.13% $2,086
GUARANTY HOME MORTGAGE CORPORATION 1 5.25% $5,811
Bethpage Federal Credit Union 1 4.50% $3,719
GREAT WESTERN FINANCIAL SERVICES, INC. 1 4.00% $3,495
HOMESIDE FINANCIAL, LLC 1 4.25% $3,806
KELLER MORTGAGE, LLC 1 6.13% $6,908
KNOXVILLE TVA EMPLOYEES CREDIT UNION 1 5.38% $6,078
LAKEVIEW LOAN SERVICING, LLC 1 5.50% $6,759
LIBERTY HOME MORTGAGE CORPORATION 1 5.50% $3,068
MEMBER FIRST MORTGAGE, LLC 1 5.38% $6,039
Meridian Bank Corporation 1 5.75% $4,438
Morgan Stanley Private Bank 1 4.15% $4,093
Fifth Third Bank 1 5.88% $2,842
EVERETT FINANCIAL, INC. 1 7.25% $2,873
ENRICHMENT 1 3.13% $5,274

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 (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%) $227,398 (30.8%) 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 (-2.5%) 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%) $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%) $469,641 (12.1%) 0.00 89
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
Athens's median listing price for 2023-08-01 was $343,228, a difference of $33,328 (10.8%) versus the prior year and $43,328 versus the prior month.

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

Athens's average listing price for 2023-08-01 was $443,200, a difference of $49,413 (12.6%) versus the prior year and $39,841 versus the prior month.

For the 2023-08-01 period, Athens had 139 MLS listings, a difference of 9 listings (7%) versus the prior month and 15 listings (12%) 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 1,796 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 1,934 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
Athens's median listing age (time on market) for 2023-08-01 was 0 days.

Athens's median square footage for active listings during the 2023-08-01 period was 1,817 sqft. One year prior, the average listing was 1,813 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.