Athens Mortgage Rates

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

30 Year Fixed Rate mortgages in Athens averaged 5.94% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.05% and one month ago for the week of 2022-05-26, the average rate was 5.34%.

Athens's average rate one year ago was 3.26%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.69%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Athens 30 Year Fixed Rate 2022-06-30 5.94%
Athens 30 Year Fixed Rate Refi 2022-06-30 5.69%
Athens 15 Year Fixed Rate 2022-06-30 5.3%
Athens 15 Year Fixed Rate Refi 2022-06-30 5%
Athens 30 Year FHA 2022-06-30 5.88%
Athens 30 Year FHA Refi 2022-06-30 5.56%
Athens 30 Year USDA 2022-06-30 5.78%
Athens 30 Year USDA Refi 2022-06-30 5.26%
Athens 30 Year VA 2022-06-30 5.67%
Athens 30 Year VA Refi 2022-06-30 5.14%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
CapStar Bank 109 3.43% $2,978
QUICKEN LOANS, LLC 76 3.21% $4,438
MORTGAGE INVESTORS GROUP, INC. 53 3.21% $4,053
FIRST COMMUNITY MORTGAGE, INC. 31 3.27% $3,836
Simmons Bank 24 3.12% $3,258
Gateway First Bank 21 3.30% $3,298
UNITED WHOLESALE MORTGAGE, LLC 19 3.01% $5,078
Farm Credit Mid-America, ACA 16 3.59% $8,287
Bowater Employees Credit Union 14 3.41% $4,367
First Citizens National Bank 14 2.84% $2,589
LOANDEPOT.COM, LLC 14 3.29% $4,379
United Community Bank 13 3.35% $3,452
TJC Mortgage, Inc. 12 3.29% $5,759
TENNESSEE VALLEY 11 2.98% $3,839
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 11 3.41% $5,925
Citizens Bank 11 3.11% $2,942
Wells Fargo Bank 10 3.25% $2,930
CMG MORTGAGE, INC. 10 2.96% $4,961
Truist Bank 10 3.08% $3,218
ORNL Federal Credit Union 7 2.66% $4,442
HOME POINT FINANCIAL CORPORATION 6 3.50% $3,662
MOVEMENT MORTGAGE, LLC 6 3.12% $4,014
Regions Bank 6 3.23% $3,490
Renasant Bank 5 3.03% $3,404
FirstBank 5 3.37% $2,993
AMERISAVE MORTGAGE CORPORATION 5 2.85% $6,296
CALIBER HOME LOANS, INC. 5 3.46% $2,876
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 5 3.10% $3,998
Sierra Pacific Mortgage Company, Inc. 4 3.28% $5,079
STOCKTON MORTGAGE CORPORATION 4 3.00% $2,648
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 3.31% $2,718
CU COMMUNITY, LLC 4 3.34% $4,669
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 3.56% $5,101
Flagstar Bank, FSB 4 3.44% $3,823
U.S. Bank 4 3.22% $2,216
Pinnacle Bank 3 2.63% $3,083
FREEDOM MORTGAGE CORPORATION 3 3.46% $3,477
Mr. Cooper ( Nationstar Mortgage ) 3 3.63% $4,598
CHURCHILL MORTGAGE CORPORATION 3 3.21% $5,251
PENNYMAC LOAN SERVICES, LLC 3 2.83% $3,726
River Valley AgCredit, ACA 3 4.53% $7,822
InterContinental Capital Group, Inc 3 3.38% $4,082
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 3.33% $3,664
BETTER MORTGAGE CORPORATION 3 2.92% $3,752
Y-12 Federal Credit Union 2 3.50% $3,384
AMERICAN FINANCING CORPORATION 2 3.50% $2,448
AmeriHome Mortgage Company, LLC 2 3.18% $2,803
BancorpSouth Bank 2 3.31% $2,831
BROKER SOLUTIONS, INC. 2 3.31% $4,802
COMMUNITY MORTGAGE CORPORATION 2 3.13% $3,093
Fifth Third Bank 2 3.06% $8,606
First Horizon Bank 2 3.44% $2,780
GUILD MORTGAGE COMPANY 2 3.12% $5,330
HOMESIDE FINANCIAL, LLC 2 3.75% $6,045
Hometown Lenders, Inc. 2 3.31% $4,952
JPMorgan Chase Bank 2 3.25% $3,068
LAKEVIEW LOAN SERVICING, LLC 2 3.00% $5,421
MORIA DEVELOPMENT, INC. 2 3.75% $4,743
MORTGAGE FINANCIAL GROUP, INC. 2 3.00% $4,657
Nations Lending Corporation 2 3.19% $5,328
NAVY FEDERAL CREDIT UNION 2 3.88% $3,665
NBKC BANK 2 2.94% $1,895
NEWREZ LLC 2 3.50% $2,594
North American Savings Bank, F.S.B. 2 3.06% $1,929
PANORAMA MORTGAGE GROUP, LLC 2 3.69% $4,248
PENTAGON FEDERAL CREDIT UNION 2 2.88% $1,302
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.18% $6,194
ROYAL UNITED MORTGAGE LLC 2 3.44% $4,963
SmartBank 2 2.81% $2,760
AMERICAN PACIFIC MORTGAGE CORPORATION 1 2.75% $5,846
NATIONS RELIABLE LENDING, LLC 1 3.50% $6,846
Truity Federal Credit Union 1 2.75% $2,168
American Airlines Federal Credit Union 1 3.00% $0
NETWORK CAPITAL FUNDING CORPORATION 1 3.38% $3,852
UNITED PREMIER FUNDING, LLC 1 3.13% $4,013
Alcova Mortgage LLC 1 3.50% $3,321
Northpointe Bank 1 3.25% $3,620
OCEANSIDE MORTGAGE COMPANY 1 3.25% $2,277
First Home Bank 1 3.63% $10,558
AgFirst Farm Credit Bank 1 3.63% $2,889
First Guaranty Mortgage Corporation 1 3.13% $2,948
Valley National Bank 1 2.88% $3,201
FIRST BANCORP, INC. 1 4.00% $3,857
PLANET HOME LENDING, LLC 1 2.88% $1,187
ENDEAVOR CAPITAL, LLC. 1 3.38% $2,177
VANDERBILT MORTGAGE AND FINANCE, INC. 1 3.00% $3,336
CROSSCOUNTRY MORTGAGE, LLC 1 3.25% $2,855
Countybank 1 3.13% $2,777
Colten Mortgage, LLC 1 3.25% $3,026
RESIDENTIAL BANCORP. 1 2.38% $6,465
Carrington Mortgage Services, LLC 1 3.00% $3,137
ACOPIA, LLC 1 3.50% $4,118
CANOPY MORTGAGE, LLC 1 2.99% $3,260
BANKSOUTH MORTGAGE COMPANY, LLC 1 3.63% $3,996
21ST MORTGAGE CORPORATION 1 6.50% $4,631
Bank of America 1 3.00% $2,053
SUCCESS MORTGAGE PARTNERS, INC. 1 3.25% $3,870
SUN WEST MORTGAGE COMPANY, INC. 1 3.25% $1,062
Synovus Bank 1 3.13% $3,511
Arvest Bank 1 3.25% $3,538
The Federal Savings Bank 1 3.25% $4,413
The First National Bank of Middle Tennessee 1 3.00% $5,580
INTERLINC MORTGAGE SERVICES, LLC 1 3.12% $4,176
THE MORTGAGE FIRM, INC. 1 3.50% $4,079
KNOXVILLE TVA EMPLOYEES CREDIT UNION 1 3.38% $3,638
LADERA LENDING, INC. 1 2.88% $3,849
TIAA, FSB 1 3.88% $4,957
Independent Bank 1 2.88% $3,016
LOANPAL, LLC 1 2.88% $3,775
Manufacturers and Traders Trust Company 1 2.75% $3,125
Ameris Bank 1 4.75% $8,595
TOP FLITE FINANCIAL, INC. 1 3.63% $7,114
Honor Credit Union 1 3.13% $2,384
Mortgage Research Center, LLC 1 2.88% $3,259
HOMESTAR FINANCIAL CORPORATION 1 3.00% $2,697
First Internet Bank of Indiana 1 3.25% $2,954

Athens, TN's 116 lenders originated 1,883 loans during 2021. The total origination value was $339,985,000, with an average loan value of $180,555.

The top Athens lender as defined by loan originations is CapStar Bank, with 109 loans originated. Their average total fees are $2,978, which is $1,459 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Athens lenders (with over 10 loans originated) are First Citizens National Bank ($2,589), Wells Fargo Bank ($2,930), Citizens Bank ($2,942), CapStar Bank ($2,978) and Truist Bank ($3,218).

The lowest rate Athens lenders (with over 10 loans originated) are First Citizens National Bank (2.84%), CMG MORTGAGE, INC. (2.96%), TENNESSEE VALLEY (2.98%), UNITED WHOLESALE MORTGAGE, LLC (3.01%) and Truist Bank (3.08%).

Athens, TN Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
CapStar Bank $34,410,000 $34,320,000 -0.3% 10.1%
QUICKEN LOANS, LLC $20,065,000 $30,890,000 53.9% 9.1%
MORTGAGE INVESTORS GROUP, INC. $14,970,000 $22,885,000 52.9% 6.7%
FIRST COMMUNITY MORTGAGE, INC. $10,585,000 $11,465,000 8.3% 3.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $5,575,000 $8,805,000 57.9% 2.6%
Gateway First Bank $10,660,000 $8,625,000 -19.1% 2.5%
Farm Credit Mid-America, ACA $4,790,000 $8,155,000 70.3% 2.4%
Lakeland Bank $8,005,000 n/a 2.4%
FREEDOM MORTGAGE CORPORATION $10,165,000 $7,745,000 -23.8% 2.3%
TENNESSEE VALLEY $2,620,000 $7,285,000 178.1% 2.1%
CALIBER HOME LOANS, INC. $6,575,000 $7,180,000 9.2% 2.1%
UNITED WHOLESALE MORTGAGE, LLC $2,855,000 $6,835,000 139.4% 2.0%
Simmons Bank $8,510,000 $6,525,000 -23.3% 1.9%
Regions Bank $4,570,000 $6,275,000 37.3% 1.8%
TJC Mortgage, Inc. $3,065,000 $6,095,000 98.9% 1.8%
First Citizens National Bank $3,750,000 $5,975,000 59.3% 1.8%
Mortgage Research Center, LLC $4,075,000 $5,820,000 42.8% 1.7%
LOANDEPOT.COM, LLC $1,645,000 $5,495,000 234.0% 1.6%
Bowater Employees Credit Union $1,605,000 $5,045,000 214.3% 1.5%
PENNYMAC LOAN SERVICES, LLC $1,320,000 $4,960,000 275.8% 1.5%
CMG MORTGAGE, INC. $3,830,000 $4,950,000 29.2% 1.5%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,780,000 $4,665,000 67.8% 1.4%
Truist Bank $4,595,000 $4,445,000 -3.3% 1.3%
Citizens Bank $745,000 $3,890,000 422.1% 1.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,385,000 $3,750,000 170.8% 1.1%
United Community Bank $4,405,000 $3,695,000 -16.1% 1.1%
ORNL Federal Credit Union $2,015,000 $3,590,000 78.2% 1.1%
MOVEMENT MORTGAGE, LLC $1,980,000 $2,675,000 35.1% 0.8%
HOME POINT FINANCIAL CORPORATION $2,870,000 $2,660,000 -7.3% 0.8%
NEW DAY FINANCIAL, LLC $765,000 $2,555,000 234.0% 0.8%
Bank of Cleveland $2,050,000 $2,460,000 20.0% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $1,640,000 $2,400,000 46.3% 0.7%
AMERISAVE MORTGAGE CORPORATION $1,960,000 $2,370,000 20.9% 0.7%
Renasant Bank $2,680,000 $2,205,000 -17.7% 0.6%
Wells Fargo Bank $1,500,000 $2,080,000 38.7% 0.6%
BROKER SOLUTIONS, INC. $955,000 $2,065,000 116.2% 0.6%
Peoples Bank of East Tennessee $1,830,000 $2,000,000 9.3% 0.6%
LAKEVIEW LOAN SERVICING, LLC $805,000 $1,925,000 139.1% 0.6%
Sierra Pacific Mortgage Company, Inc. $2,215,000 $1,900,000 -14.2% 0.6%
STOCKTON MORTGAGE CORPORATION $930,000 $1,880,000 102.2% 0.6%
First Volunteer Bank $950,000 $1,875,000 97.4% 0.6%
1ST SIGNATURE LENDING, LLC $960,000 $1,800,000 87.5% 0.5%
21ST MORTGAGE CORPORATION $690,000 $1,645,000 138.4% 0.5%
NAVY FEDERAL CREDIT UNION $3,015,000 $1,455,000 -51.7% 0.4%
SUN WEST MORTGAGE COMPANY, INC. $1,200,000 $1,385,000 15.4% 0.4%
CHURCHILL MORTGAGE CORPORATION $445,000 $1,380,000 210.1% 0.4%
VILLAGE CAPITAL & INVESTMENT LLC $1,190,000 $1,335,000 12.2% 0.4%
First Horizon Bank $2,535,000 $1,315,000 -48.1% 0.4%
SouthEast Bank $1,395,000 $1,280,000 -8.2% 0.4%
GUILD MORTGAGE COMPANY $320,000 $1,270,000 296.9% 0.4%
CU COMMUNITY, LLC $2,000,000 $1,195,000 -40.3% 0.4%
River Valley AgCredit, ACA $580,000 $1,140,000 96.6% 0.3%
Fifth Third Bank $375,000 $1,115,000 197.3% 0.3%
BETTER MORTGAGE CORPORATION $595,000 $1,105,000 85.7% 0.3%
JPMorgan Chase Bank $440,000 $1,105,000 151.1% 0.3%
FirstBank $1,210,000 $1,080,000 -10.7% 0.3%
Pinnacle Bank $905,000 $1,080,000 19.3% 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $300,000 $1,055,000 251.7% 0.3%
PLANET HOME LENDING, LLC $1,040,000 n/a 0.3%
Carrington Mortgage Services, LLC $1,045,000 $985,000 -5.7% 0.3%
Nations Lending Corporation $75,000 $975,000 1,200.0% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $960,000 n/a 0.3%
NEWREZ LLC $460,000 $950,000 106.5% 0.3%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $590,000 $945,000 60.2% 0.3%
PENTAGON FEDERAL CREDIT UNION $55,000 $925,000 1,581.8% 0.3%
InterContinental Capital Group, Inc $410,000 $915,000 123.2% 0.3%
BancorpSouth Bank $1,380,000 $895,000 -35.1% 0.3%
RELIANCE FIRST CAPITAL, LLC $460,000 $885,000 92.4% 0.3%
TRIAD FINANCIAL SERVICES, INC. $845,000 $885,000 4.7% 0.3%
GENEVA FINANCIAL, LLC $615,000 $865,000 40.7% 0.3%
Hometown Lenders, Inc. $270,000 $845,000 213.0% 0.2%
U.S. Bank $630,000 $830,000 31.7% 0.2%
Flagstar Bank, FSB $1,230,000 $825,000 -32.9% 0.2%
First Guaranty Mortgage Corporation $220,000 $815,000 270.5% 0.2%
LOANPAL, LLC $805,000 n/a 0.2%
SUCCESS MORTGAGE PARTNERS, INC. $790,000 n/a 0.2%
HOMESTAR FINANCIAL CORPORATION $235,000 $770,000 227.7% 0.2%
SmartBank $205,000 $770,000 275.6% 0.2%
Andrew Johnson Bank $495,000 $715,000 44.4% 0.2%
AmeriHome Mortgage Company, LLC $705,000 $710,000 0.7% 0.2%
North American Savings Bank, F.S.B. $480,000 $710,000 47.9% 0.2%
BAY EQUITY LLC $285,000 $695,000 143.9% 0.2%
AgFirst Farm Credit Bank $765,000 $685,000 -10.5% 0.2%
Barrington Bank & Trust Company, N.A. $1,165,000 $670,000 -42.5% 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $825,000 $665,000 -19.4% 0.2%
Paramount Residential Mortgage Group, Inc. $460,000 $650,000 41.3% 0.2%
NETWORK CAPITAL FUNDING CORPORATION $645,000 n/a 0.2%
AMERICAN FINANCIAL NETWORK, INC. $95,000 $635,000 568.4% 0.2%
Northpointe Bank $510,000 $635,000 24.5% 0.2%
NBKC BANK $605,000 n/a 0.2%
PANORAMA MORTGAGE GROUP, LLC $360,000 $600,000 66.7% 0.2%
Y-12 Federal Credit Union $650,000 $590,000 -9.2% 0.2%
ACOPIA, LLC $580,000 n/a 0.2%
Countybank $240,000 $580,000 141.7% 0.2%
INTERLINC MORTGAGE SERVICES, LLC $530,000 n/a 0.2%
Wolfe Financial, Inc $240,000 $495,000 106.3% 0.1%
SOUTHWEST STAGE FUNDING, LLC $605,000 $485,000 -19.8% 0.1%
COMMUNITY MORTGAGE CORPORATION $475,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $175,000 $460,000 162.9% 0.1%
Ameris Bank $390,000 $445,000 14.1% 0.1%
FIRST BANCORP, INC. $425,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $790,000 $425,000 -46.2% 0.1%
Bank of America $505,000 $405,000 -19.8% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $370,000 n/a 0.1%
PHH Mortgage Corporation $295,000 $350,000 18.6% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $320,000 $340,000 6.3% 0.1%
Home Federal Bank of Tennessee $105,000 $340,000 223.8% 0.1%
LADERA LENDING, INC. $325,000 n/a 0.1%
Mountain Valley Bank $325,000 n/a 0.1%
United Fidelity Funding Corp. $325,000 n/a 0.1%
Honor Credit Union $320,000 n/a 0.1%
The Federal Savings Bank $275,000 $320,000 16.4% 0.1%
STANDARD MORTGAGE CORPORATION $315,000 n/a 0.1%
Commerce Home Mortgage, Inc. $305,000 n/a 0.1%
SOFI LENDING CORP. $305,000 n/a 0.1%
Low VA Rates, LLC $660,000 $300,000 -54.5% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $295,000 n/a 0.1%
AmRes Corporation $295,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $410,000 $295,000 -28.0% 0.1%
UNITED PREMIER FUNDING, LLC $295,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $135,000 $295,000 118.5% 0.1%
MORTGAGE FINANCIAL GROUP, INC. $375,000 $290,000 -22.7% 0.1%
Valley National Bank $265,000 n/a 0.1%
MORIA DEVELOPMENT, INC. $260,000 n/a 0.1%
Colonial Savings, F.A. $255,000 n/a 0.1%
First Federal Bank $265,000 $255,000 -3.8% 0.1%
First Home Bank $255,000 n/a 0.1%
THE MORTGAGE FIRM, INC. $255,000 n/a 0.1%
OCEANSIDE MORTGAGE COMPANY $410,000 $245,000 -40.2% 0.1%
ALLIED MORTGAGE GROUP, INC. $235,000 n/a 0.1%
First Federal Bank of Kansas City $135,000 $235,000 74.1% 0.1%
Independent Bank $165,000 $235,000 42.4% 0.1%
Magnolia Bank $175,000 $235,000 34.3% 0.1%
AMERICAN ADVISORS GROUP $165,000 $230,000 39.4% 0.1%
KNOXVILLE TVA EMPLOYEES CREDIT UNION $510,000 $230,000 -54.9% 0.1%
The First National Bank of Middle Tennessee $225,000 n/a 0.1%
TOWNE MORTGAGE COMPANY $705,000 $220,000 -68.8% 0.1%
OCMBC, INC. $215,000 n/a 0.1%
RESIDENTIAL BANCORP. $205,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $200,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $200,000 n/a 0.1%
Bank of Tennessee $195,000 n/a 0.1%
Bank of the West $195,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $195,000 n/a 0.1%
Simply Bank $2,500,000 $195,000 -92.2% 0.1%
AMERICAN MORTGAGE SERVICE COMPANY $185,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $145,000 $185,000 27.6% 0.1%
LENDINGHOME FUNDING CORPORATION $185,000 n/a 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $180,000 n/a 0.1%
Bank of England $305,000 $175,000 -42.6% 0.1%
ENDEAVOR CAPITAL, LLC. $175,000 n/a 0.1%
GUARANTEED RATE, INC. $595,000 $175,000 -70.6% 0.1%
ISERVE RESIDENTIAL LENDING, LLC $1,405,000 $175,000 -87.5% 0.1%
NATIONS RELIABLE LENDING, LLC $175,000 n/a 0.1%
SWBC MORTGAGE CORPORATION $165,000 $175,000 6.1% 0.1%
Alcova Mortgage LLC $165,000 n/a 0.0%
Arvest Bank $180,000 $165,000 -8.3% 0.0%
CANOPY MORTGAGE, LLC $165,000 n/a 0.0%
First Century Bank $165,000 n/a 0.0%
SUMMIT FUNDING, INC. $235,000 $165,000 -29.8% 0.0%
Watermark Capital, Inc. $165,000 n/a 0.0%
NATIONS DIRECT MORTGAGE, LLC $145,000 $155,000 6.9% 0.0%
TOP FLITE FINANCIAL, INC. $125,000 $155,000 24.0% 0.0%
ANGEL OAK HOME LOANS LLC $860,000 $145,000 -83.1% 0.0%
COLORADO CREDIT UNION $105,000 $145,000 38.1% 0.0%
Figure Lending LLC $120,000 $145,000 20.8% 0.0%
First Internet Bank of Indiana $115,000 $145,000 26.1% 0.0%
Mid-Continent Funding, Inc. $195,000 $145,000 -25.6% 0.0%
MIDLAND MORTGAGE CORPORATION $145,000 n/a 0.0%
Synovus Bank $710,000 $145,000 -79.6% 0.0%
TENNESSEE TRUST MORTGAGE, INC $145,000 n/a 0.0%
AMERICAN FINANCING CORPORATION $675,000 $140,000 -79.3% 0.0%
CIVIC FINANCIAL SERVICES, LLC $135,000 n/a 0.0%
Manufacturers and Traders Trust Company $135,000 n/a 0.0%
TIAA, FSB $135,000 n/a 0.0%
American Airlines Federal Credit Union $125,000 n/a 0.0%
AMERIFIRST FINANCIAL CORPORATION $135,000 $125,000 -7.4% 0.0%
LAND HOME FINANCIAL SERVICES, INC. $145,000 $125,000 -13.8% 0.0%
BANKSOUTH MORTGAGE COMPANY, LLC $115,000 n/a 0.0%
Colten Mortgage, LLC $115,000 n/a 0.0%
Commercial Bank $105,000 n/a 0.0%
South State Bank $105,000 n/a 0.0%
Truity Federal Credit Union $105,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $95,000 $95,000 0.0% 0.0%
Discover Bank $135,000 $90,000 -33.3% 0.0%
Citizens Bank $745,000 $85,000 -88.6% 0.0%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $75,000 n/a 0.0%
Reliant Bank $375,000 $75,000 -80.0% 0.0%
Citibank $65,000 n/a 0.0%
Equity Prime Mortgage LLC $65,000 n/a 0.0%
First National Bank of Omaha $65,000 n/a 0.0%
Baxter Credit Union $55,000 n/a 0.0%
Community Trust Bank, Inc. $175,000 $15,000 -91.4% 0.0%

Athens's top lender by overall market share is CapStar Bank, with 10.1% market share. In second place, with 9.1%, is QUICKEN LOANS, LLC, having originated $30,890,000 in loans. In third place, with 6.7%, is MORTGAGE INVESTORS GROUP, INC., having originated $22,885,000 in loans. In third place, with 3.4%, is FIRST COMMUNITY MORTGAGE, INC., having originated $11,465,000 in loans. In third place, with 2.6%, is CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP, having originated $8,805,000 in loans.


Athens, TN Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 882 $180,090,000 $204,184
Refi 550 $88,800,000 $161,455
Cash Out Refi 376 $64,160,000 $170,638
Home Improvement 40 $4,040,000 $101,000
Other 34 $2,860,000 $84,118
NA 1 $35,000 $35,000

Athens's most frequently cited loan purpose was Home Purchase, with 882 originations. The 2nd most popular reason was Refi, with 550 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 665 $116,305,000 $174,895
2.5-3% 637 $127,615,000 $200,338
<2.5% 321 $60,425,000 $188,240
4-5% 105 $17,035,000 $162,238
5-6% 32 $2,980,000 $93,125
6-7% 32 $3,500,000 $109,375
Over 8% 20 $1,550,000 $77,500
7-8% 15 $1,475,000 $98,333

During 2021, Athens's most frequently originated rate bucket was 3-4%, with 665 originations.

Loan Sizing (Athens, TN MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 924 $135,950,000 $147,132
$200k-400k 521 $138,655,000 $266,132
$100,000 or less 375 $26,725,000 $71,267
$400k-600k 57 $26,865,000 $471,316
$600k-1000k 4 $2,630,000 $657,500
$Over $1MM 2 $9,160,000 $4,580,000

Athens's loan sizing saw the bucket of loans from $100k-200k with 924 originations, totaling $135,950,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 774 $151,940,000 $196,305
60-80% 553 $110,315,000 $199,485
40-60% 261 $37,895,000 $145,192
20-40% 89 $7,885,000 $88,596
Under 20% 38 $1,370,000 $36,053
Over 100% 33 $7,975,000 $241,667

Athens's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 774 originations, totaling $151,940,000 in origination value.


Market Conditions (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 $139,450 (-0.4%) $242,514 (33.0%) 0.00 253
2018-02-01 $142,400 (1.4%) $249,192 (33.7%) 0.00 236
2018-03-01 $149,000 (5.7%) $254,726 (35.7%) 0.00 242
2018-04-01 $161,950 (17.8%) $252,055 (41.7%) 0.00 268
2018-05-01 $171,000 (20.5%) $254,534 (44.0%) 0.00 297
2018-06-01 $179,900 (22.1%) $248,997 (40.1%) 0.00 324
2018-07-01 $177,450 (22.4%) $254,760 (43.8%) 0.00 328
2018-08-01 $185,000 (27.6%) $257,772 (43.0%) 0.00 329
2018-09-01 $184,000 (27.8%) $259,781 (42.5%) 0.00 328
2018-10-01 $183,750 (31.3%) $262,408 (42.0%) 0.00 331
2018-11-01 $175,000 (27.7%) $260,929 (39.8%) 0.00 329
2018-12-01 $177,000 (28.7%) $220,987 (-6.1%) 0.00 300
2019-01-01 $169,900 (21.8%) $216,453 (-10.8%) 0.00 286
2019-02-01 $169,950 (19.4%) $213,342 (-14.4%) 0.00 276
2019-03-01 $174,657 (17.2%) $211,002 (-17.2%) 0.00 256
2019-04-01 $185,450 (14.5%) $219,698 (-12.8%) 0.00 243
2019-05-01 $194,750 (13.9%) $225,814 (-11.3%) 0.00 265
2019-06-01 $198,700 (10.5%) $227,364 (-8.7%) 0.00 264
2019-07-01 $180,000 (1.4%) $213,320 (-16.3%) 0.00 257
2019-08-01 $177,857 (-3.9%) $214,211 (-16.9%) 0.00 239
2019-09-01 $173,500 (-5.7%) $205,713 (-20.8%) 0.00 251
2019-10-01 $177,250 (-3.5%) $218,749 (-16.6%) 0.00 268
2019-11-01 $162,900 (-6.9%) $209,575 (-19.7%) 0.00 260
2019-12-01 $168,250 (-4.9%) $214,321 (-3.0%) 0.00 259
2020-01-01 $172,000 (1.2%) $217,813 (0.6%) 0.00 247
2020-02-01 $179,900 (5.9%) $233,237 (9.3%) 0.00 223
2020-03-01 $179,900 (3.0%) $230,405 (9.2%) 0.00 196
2020-04-01 $169,700 (-8.5%) $224,710 (2.3%) 0.00 181
2020-05-01 $194,500 (-0.1%) $241,997 (7.2%) 0.00 162
2020-06-01 $207,450 (4.4%) $251,092 (10.4%) 0.00 149
2020-07-01 $219,500 (21.9%) $243,084 (14.0%) 0.00 143
2020-08-01 $219,900 (23.6%) $261,674 (22.2%) 0.00 134
2020-09-01 $225,000 (29.7%) $280,042 (36.1%) 0.00 129
2020-10-01 $222,500 (25.5%) $267,057 (22.1%) 0.00 122
2020-11-01 $218,000 (33.8%) $261,057 (24.6%) 0.00 109
2020-12-01 $182,200 (8.3%) $254,229 (18.6%) 0.00 98
2021-01-01 $175,000 (1.7%) $268,245 (23.2%) 0.00 81
2021-02-01 $194,500 (8.1%) $299,797 (28.5%) 0.00 69
2021-03-01 $212,250 (18.0%) $296,275 (28.6%) 0.00 63
2021-04-01 $239,900 (41.4%) $319,405 (42.1%) 0.00 58
2021-05-01 $279,900 (43.9%) $381,366 (57.6%) 0.00 97
2021-06-01 $264,995 (27.7%) $363,859 (44.9%) 0.00 115
2021-07-01 $259,450 (18.2%) $404,496 (66.4%) 0.00 126
2021-08-01 $235,000 (6.9%) $376,580 (43.9%) 0.00 145
2021-09-01 $239,900 (6.6%) $386,982 (38.2%) 0.00 147
2021-10-01 $224,900 (1.1%) $395,573 (48.1%) 0.00 124
2021-11-01 $247,250 (13.4%) $399,000 (52.8%) 0.00 112
2021-12-01 $280,450 (53.9%) $425,511 (67.4%) 0.00 117
2022-01-01 $325,000 (85.7%) $498,843 (86.0%) 0.00 99
2022-02-01 $314,950 (61.9%) $505,109 (68.5%) 0.00 89
2022-03-01 $320,000 (50.8%) $513,119 (73.2%) 0.00 97
2022-04-01 $309,900 (29.2%) $427,588 (33.9%) 0.00 110
2022-05-01 $334,900 (19.7%) $431,834 (13.2%) 0.00 133
2022-06-01 $320,000 (20.8%) $388,281 (6.7%) 0.00 148
Athens's median listing price for 2022-06-01 was $320,000, a difference of $55,005 (20.8%) versus the prior year and $-14,900 versus the prior month.

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

Athens's average listing price for 2022-06-01 was $388,281, a difference of $24,422 (6.7%) versus the prior year and $-43,553 versus the prior month.

For the 2022-06-01 period, Athens had 148 MLS listings, a difference of 15 listings (11%) versus the prior month and 33 listings (29%) 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 1,632 sqft
2018-02-01 0 days 1,677 sqft
2018-03-01 0 days 1,764 sqft
2018-04-01 0 days 1,803 sqft
2018-05-01 0 days 1,792 sqft
2018-06-01 0 days 1,818 sqft
2018-07-01 0 days 1,861 sqft
2018-08-01 0 days 1,869 sqft
2018-09-01 0 days 1,856 sqft
2018-10-01 0 days 1,859 sqft
2018-11-01 0 days 1,818 sqft
2018-12-01 0 days 1,792 sqft
2019-01-01 0 days 1,827 sqft
2019-02-01 0 days 1,768 sqft
2019-03-01 0 days 1,791 sqft
2019-04-01 0 days 1,821 sqft
2019-05-01 0 days 1,898 sqft
2019-06-01 0 days 1,928 sqft
2019-07-01 0 days 1,887 sqft
2019-08-01 0 days 1,861 sqft
2019-09-01 0 days 1,800 sqft
2019-10-01 0 days 1,738 sqft
2019-11-01 0 days 1,534 sqft
2019-12-01 0 days 1,600 sqft
2020-01-01 0 days 1,660 sqft
2020-02-01 0 days 1,833 sqft
2020-03-01 0 days 1,838 sqft
2020-04-01 0 days 1,801 sqft
2020-05-01 0 days 1,917 sqft
2020-06-01 0 days 1,994 sqft
2020-07-01 0 days 1,935 sqft
2020-08-01 0 days 1,983 sqft
2020-09-01 0 days 2,166 sqft
2020-10-01 0 days 2,106 sqft
2020-11-01 0 days 2,046 sqft
2020-12-01 0 days 1,935 sqft
2021-01-01 0 days 1,800 sqft
2021-02-01 0 days 1,837 sqft
2021-03-01 0 days 1,866 sqft
2021-04-01 0 days 1,855 sqft
2021-05-01 0 days 1,849 sqft
2021-06-01 0 days 1,846 sqft
2021-07-01 0 days 1,918 sqft
2021-08-01 0 days 1,936 sqft
2021-09-01 0 days 1,876 sqft
2021-10-01 0 days 1,842 sqft
2021-11-01 0 days 1,897 sqft
2021-12-01 0 days 1,887 sqft
2022-01-01 0 days 2,096 sqft
2022-02-01 0 days 2,111 sqft
2022-03-01 0 days 2,051 sqft
2022-04-01 0 days 1,943 sqft
2022-05-01 0 days 1,960 sqft
2022-06-01 0 days 1,915 sqft
Athens's median listing age (time on market) for 2022-06-01 was 0 days.

Athens's median square footage for active listings during the 2022-06-01 period was 1,915 sqft. One year prior, the average listing was 1,846 sqft.