Athens Mortgage Rates
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% |
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.).
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 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 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.
