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 6.52% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.71% and one month ago for the week of 2024-11-07, the average rate was 6.71%.

    Athens's average rate one year ago was 6.85%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.7%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Athens 30 Year Fixed Rate 2024-12-12 6.52%
    Athens 30 Year Fixed Rate Refi 2024-12-12 6.7%
    Athens 15 Year Fixed Rate 2024-12-12 5.84%
    Athens 15 Year Fixed Rate Refi 2024-12-12 6.14%
    Athens 30 Year FHA 2024-12-12 5.92%
    Athens 30 Year FHA Refi 2024-12-12 6.18%
    Athens 30 Year USDA 2024-12-12 6.4%
    Athens 30 Year USDA Refi 2024-12-12 6.4%
    Athens 30 Year VA 2024-12-12 6.3%
    Athens 30 Year VA Refi 2024-12-12 6.18%
    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
    2024-06-01 $325,000 (1.3%) $379,676 (-8.6%) 0.00 166
    2024-07-01 $321,900 (7.3%) $371,980 (-7.8%) 0.00 182
    2024-08-01 $325,000 (-5.3%) $370,230 (-16.5%) 0.00 180
    2024-09-01 $321,950 (-2.3%) $364,496 (-14.0%) 0.00 190
    2024-10-01 $315,000 (2.0%) $351,038 (-12.8%) 0.00 206
    2024-11-01 $312,500 (3.4%) $394,135 (1.3%) 0.00 210
    Athens's median listing price for 2024-11-01 was $312,500, a difference of $10,400 (3.4%) versus the prior year and $-2,500 versus the prior month.

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

    Athens's average listing price for 2024-11-01 was $394,135, a difference of $5,032 (1.3%) versus the prior year and $43,097 versus the prior month.

    For the 2024-11-01 period, Athens had 210 MLS listings, a difference of 4 listings (2%) versus the prior month and 36 listings (21%) 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
    2024-06-01 0 days 1,584 sqft
    2024-07-01 0 days 1,568 sqft
    2024-08-01 0 days 1,772 sqft
    2024-09-01 0 days 1,703 sqft
    2024-10-01 0 days 1,601 sqft
    2024-11-01 0 days 1,608 sqft
    Athens's median listing age (time on market) for 2024-11-01 was 0 days.

    Athens's median square footage for active listings during the 2024-11-01 period was 1,608 sqft. One year prior, the average listing was 1,698 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.