Athens Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Athens averaged
6.83%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.98% and
one month ago for the week of 2025-04-17, the
average rate was 6.9%.
Athens's average rate one year ago was 7.39%.
For refis of the same type during the week of 2025-05-22, the average rate
was 6.86%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Athens 30 Year Fixed Rate | 2025-05-22 | 6.83% |
| Athens 30 Year Fixed Rate Refi | 2025-05-22 | 6.86% |
| Athens 15 Year Fixed Rate | 2025-05-22 | 5.81% |
| Athens 15 Year Fixed Rate Refi | 2025-05-22 | 5.91% |
| Athens 30 Year FHA | 2025-05-22 | 6.4% |
| Athens 30 Year FHA Refi | 2025-05-22 | 6.51% |
| Athens 30 Year USDA | 2025-05-22 | 6.33% |
| Athens 30 Year USDA Refi | 2025-05-22 | 6.63% |
| Athens 30 Year VA | 2025-05-22 | 6.53% |
| Athens 30 Year VA Refi | 2025-05-22 | 6.52% |
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.).
Athens Average Closing Costs & Other Stats
Athens, TN's 82 lenders originated 1,209
loans during 2024. The total origination value was $248,205,000, with an average loan value of
$205,298.
Athens's average closing costs are $5,706.
The top Athens lender as defined by loan originations is QUICKEN LOANS, LLC, with
39 loans originated. Their average total fees are
$6,092, which is $794
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Athens lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($2,297), Old National Bank ($3,737), Bowater Employees Credit Union ($4,916), MORTGAGE INVESTORS GROUP, INC. ($5,289) and QUICKEN LOANS, LLC ($6,092).
The lowest rate Athens lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (6.38%), MORTGAGE INVESTORS GROUP, INC. (6.72%), UNITED WHOLESALE MORTGAGE, LLC (6.74%), Old National Bank (6.80%) and Bowater Employees Credit Union (6.82%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $13,215,000 | $25,290,000 | 91.4% | 10.2% |
| QUICKEN LOANS, LLC | $10,495,000 | $16,605,000 | 58.2% | 6.7% |
| MORTGAGE INVESTORS GROUP, INC. | $16,315,000 | $14,380,000 | -11.9% | 5.8% |
| Old National Bank | $13,575,000 | n/a | 5.5% | |
| DHI MORTGAGE COMPANY, LTD. | $21,020,000 | $10,015,000 | -52.4% | 4.0% |
| Mortgage Research Center, LLC | $7,260,000 | $9,125,000 | 25.7% | 3.7% |
| CMG MORTGAGE, INC. | $7,585,000 | $7,620,000 | 0.5% | 3.1% |
| Farm Credit Mid-America, ACA | $4,920,000 | $6,915,000 | 40.5% | 2.8% |
| TENNESSEE VALLEY | $4,525,000 | $5,100,000 | 12.7% | 2.1% |
| FREEDOM MORTGAGE CORPORATION | $2,010,000 | $4,865,000 | 142.0% | 2.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $4,190,000 | $4,840,000 | 15.5% | 2.0% |
| PENNYMAC LOAN SERVICES, LLC | $1,430,000 | $4,635,000 | 224.1% | 1.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $4,500,000 | $4,295,000 | -4.6% | 1.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $165,000 | $4,215,000 | 2,454.5% | 1.7% |
| First Citizens National Bank | $2,950,000 | $3,855,000 | 30.7% | 1.6% |
| SouthEast Bank | $2,455,000 | $3,680,000 | 49.9% | 1.5% |
| Simmons Bank | $6,145,000 | $3,375,000 | -45.1% | 1.4% |
| BROKER SOLUTIONS, INC. | $755,000 | $3,040,000 | 302.6% | 1.2% |
| Regions Bank | $3,045,000 | $3,025,000 | -0.7% | 1.2% |
| CapStar Bank | $14,180,000 | $2,915,000 | -79.4% | 1.2% |
| Bank of Cleveland | $1,675,000 | $2,755,000 | 64.5% | 1.1% |
| NEWREZ LLC | $4,260,000 | $2,650,000 | -37.8% | 1.1% |
| MOVEMENT MORTGAGE, LLC | $4,040,000 | $2,480,000 | -38.6% | 1.0% |
| UNION HOME MORTGAGE CORP. | $730,000 | $2,450,000 | 235.6% | 1.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,730,000 | $2,125,000 | 22.8% | 0.9% |
| ORNL Federal Credit Union | $2,455,000 | $2,120,000 | -13.6% | 0.9% |
| Bowater Employees Credit Union | $1,300,000 | $2,050,000 | 57.7% | 0.8% |
| LOANDEPOT.COM, LLC | $3,930,000 | $2,045,000 | -48.0% | 0.8% |
| Peoples Bank of East Tennessee | $760,000 | $2,035,000 | 167.8% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $1,375,000 | $1,960,000 | 42.5% | 0.8% |
| VILLAGE CAPITAL MORTGAGE | $510,000 | $1,905,000 | 273.5% | 0.8% |
| STOCKTON MORTGAGE CORPORATION | $1,170,000 | $1,825,000 | 56.0% | 0.7% |
| First Volunteer Bank | $1,520,000 | $1,800,000 | 18.4% | 0.7% |
| FirstBank | $1,365,000 | $1,720,000 | 26.0% | 0.7% |
| First Horizon Bank | $2,835,000 | $1,690,000 | -40.4% | 0.7% |
| CARDINAL FINANCIAL | $4,925,000 | $1,670,000 | -66.1% | 0.7% |
| Truist | $3,035,000 | $1,555,000 | -48.8% | 0.6% |
| BancorpSouth | $980,000 | $1,495,000 | 52.6% | 0.6% |
| GUARANTEED RATE, INC. | $1,485,000 | n/a | 0.6% | |
| United Community Bank | $2,060,000 | $1,410,000 | -31.6% | 0.6% |
| PHH Mortgage Corporation | $1,165,000 | $1,355,000 | 16.3% | 0.5% |
| 1ST SIGNATURE LENDING, LLC | $2,310,000 | $1,335,000 | -42.2% | 0.5% |
| TJC Mortgage, Inc. | $1,485,000 | $1,285,000 | -13.5% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,880,000 | $1,235,000 | -34.3% | 0.5% |
| TOWNE MORTGAGE COMPANY | $415,000 | $1,210,000 | 191.6% | 0.5% |
| Citizens National Bank | $1,575,000 | $1,165,000 | -26.0% | 0.5% |
| River Valley AgCredit, ACA | $610,000 | $1,105,000 | 81.1% | 0.4% |
| SUN WEST MORTGAGE COMPANY, INC. | $185,000 | $1,050,000 | 467.6% | 0.4% |
| Union Savings Bank | $1,030,000 | n/a | 0.4% | |
| Carrington Mortgage Services, LLC | $185,000 | $1,000,000 | 440.5% | 0.4% |
| EVANSVILLE TEACHERS | $1,000,000 | n/a | 0.4% | |
| NEW DAY FINANCIAL, LLC | $420,000 | $990,000 | 135.7% | 0.4% |
| ZILLOW HOME LOANS, LLC | $155,000 | $970,000 | 525.8% | 0.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $350,000 | $950,000 | 171.4% | 0.4% |
| NFM, INC. | $630,000 | $950,000 | 50.8% | 0.4% |
| Sierra Pacific Mortgage Company, Inc. | $1,845,000 | $925,000 | -49.9% | 0.4% |
| JPMorgan Chase Bank | $210,000 | $915,000 | 335.7% | 0.4% |
| PLANET HOME LENDING, LLC | $465,000 | $910,000 | 95.7% | 0.4% |
| RELIANCE FIRST CAPITAL, LLC | $280,000 | $905,000 | 223.2% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $390,000 | $875,000 | 124.4% | 0.4% |
| Equity Prime Mortgage LLC | $915,000 | $870,000 | -4.9% | 0.4% |
| Bell Bank | $825,000 | n/a | 0.3% | |
| COMMUNITY MORTGAGE CORPORATION | $2,285,000 | $810,000 | -64.6% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $780,000 | n/a | 0.3% | |
| Paramount Residential Mortgage Group, Inc. | $775,000 | n/a | 0.3% | |
| AmeriHome Mortgage Company, LLC | $730,000 | n/a | 0.3% | |
| LAKEVIEW LOAN SERVICING, LLC | $665,000 | $730,000 | 9.8% | 0.3% |
| 21ST MORTGAGE CORPORATION | $1,235,000 | $720,000 | -41.7% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $270,000 | $710,000 | 163.0% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $440,000 | $695,000 | 58.0% | 0.3% |
| NexBank | $655,000 | n/a | 0.3% | |
| AMERICAN FINANCIAL NETWORK, INC. | $645,000 | $645,000 | 0.0% | 0.3% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | $555,000 | $630,000 | 13.5% | 0.3% |
| Flagstar Bank, FSB | $655,000 | $605,000 | -7.6% | 0.2% |
| Gateway First Bank | $1,835,000 | $605,000 | -67.0% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $95,000 | $580,000 | 510.5% | 0.2% |
| SOUTHWEST STAGE FUNDING, LLC | $535,000 | $580,000 | 8.4% | 0.2% |
| SUCCESS MORTGAGE PARTNERS, INC. | $565,000 | n/a | 0.2% | |
| AgFirst Farm Credit Bank | $545,000 | n/a | 0.2% | |
| U.S. Bank | $710,000 | $535,000 | -24.6% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $400,000 | $510,000 | 27.5% | 0.2% |
| Andrew Johnson Bank | $505,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $645,000 | $490,000 | -24.0% | 0.2% |
| ALLIANT CREDIT UNION | $480,000 | n/a | 0.2% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $220,000 | $470,000 | 113.6% | 0.2% |
| AXIA FINANCIAL, LLC | $465,000 | n/a | 0.2% | |
| TNBANK | $465,000 | n/a | 0.2% | |
| Citizens Bank | $2,110,000 | $430,000 | -79.6% | 0.2% |
| USAA Federal Savings Bank | $750,000 | $425,000 | -43.3% | 0.2% |
| GUILD MORTGAGE COMPANY | $125,000 | $405,000 | 224.0% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $395,000 | n/a | 0.2% | |
| Renasant Bank | $720,000 | $395,000 | -45.1% | 0.2% |
| ENRICHMENT | $1,015,000 | $360,000 | -64.5% | 0.1% |
| Capital City Home Loans, LLC | $355,000 | n/a | 0.1% | |
| SmartBank | $360,000 | $355,000 | -1.4% | 0.1% |
| PNC Bank | $105,000 | $350,000 | 233.3% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $1,085,000 | $335,000 | -69.1% | 0.1% |
| Peoples Bank of the South | $335,000 | n/a | 0.1% | |
| American Airlines Federal Credit Union | $330,000 | n/a | 0.1% | |
| Magnolia Bank | $245,000 | $330,000 | 34.7% | 0.1% |
| Discover Bank | $145,000 | $325,000 | 124.1% | 0.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,455,000 | $315,000 | -78.4% | 0.1% |
| Charles Schwab Bank, SSB | $305,000 | n/a | 0.1% | |
| Peoples Bank | $305,000 | n/a | 0.1% | |
| SUMMIT FUNDING, INC. | $495,000 | $305,000 | -38.4% | 0.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $295,000 | n/a | 0.1% | |
| Texana Bank | $295,000 | n/a | 0.1% | |
| TruHome Solutions, LLC | $295,000 | n/a | 0.1% | |
| Y-12 Federal Credit Union | $1,635,000 | $295,000 | -82.0% | 0.1% |
| CLEARPATH LENDING | $285,000 | n/a | 0.1% | |
| CU COMMUNITY, LLC | $285,000 | n/a | 0.1% | |
| Home Federal Bank Corporation | $285,000 | n/a | 0.1% | |
| Pinnacle Bank | $65,000 | $285,000 | 338.5% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $135,000 | $285,000 | 111.1% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $695,000 | $280,000 | -59.7% | 0.1% |
| NEXERA HOLDING LLC | $270,000 | n/a | 0.1% | |
| DIRECT LENDERS, LLC | $265,000 | n/a | 0.1% | |
| Plains Commerce Bank | $405,000 | $260,000 | -35.8% | 0.1% |
| Legacy Home Loans, LLC | $255,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $95,000 | $245,000 | 157.9% | 0.1% |
| Wells Fargo Bank | $530,000 | $245,000 | -53.8% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $235,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $235,000 | n/a | 0.1% | |
| LOANPAL, LLC | $75,000 | $230,000 | 206.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $205,000 | $215,000 | 4.9% | 0.1% |
| Ixonia Bank | $215,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $140,000 | $215,000 | 53.6% | 0.1% |
| Nations Lending Corporation | $330,000 | $215,000 | -34.8% | 0.1% |
| SIRVA MORTGAGE, INC. | $365,000 | $205,000 | -43.8% | 0.1% |
| AMERICAN FINANCING CORPORATION | $205,000 | $195,000 | -4.9% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $195,000 | n/a | 0.1% | |
| VERITAS FUNDING, LLC | $195,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $185,000 | n/a | 0.1% | |
| FLAT BRANCH MORTGAGE, INC. | $305,000 | $185,000 | -39.3% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $185,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $615,000 | $185,000 | -69.9% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $400,000 | $175,000 | -56.3% | 0.1% |
| RANLIFE, INC. | $175,000 | n/a | 0.1% | |
| Waterstone Mortgage Corporation | $275,000 | $175,000 | -36.4% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $380,000 | $170,000 | -55.3% | 0.1% |
| EMM LOANS LLC | $155,000 | $165,000 | 6.5% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $470,000 | $165,000 | -64.9% | 0.1% |
| HOMESTEAD FUNDING CORP. | $165,000 | n/a | 0.1% | |
| KeyBank | $165,000 | n/a | 0.1% | |
| THE TENNESSEE CREDIT UNION | $165,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $165,000 | $165,000 | 0.0% | 0.1% |
| Ally Bank | $145,000 | n/a | 0.1% | |
| Trustmark National Bank | $145,000 | n/a | 0.1% | |
| Figure Lending LLC | $150,000 | $140,000 | -6.7% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $85,000 | $135,000 | 58.8% | 0.1% |
| Prosperity Home Mortgage, LLC | $355,000 | $135,000 | -62.0% | 0.1% |
| MILLENNIUM BANK | $125,000 | n/a | 0.1% | |
| CSL Financial, LLC | $115,000 | n/a | 0.0% | |
| First Century Bank | $115,000 | n/a | 0.0% | |
| Home Federal Bank of Tennessee | $105,000 | n/a | 0.0% | |
| NBKC BANK | $105,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $95,000 | n/a | 0.0% | |
| Coastal Community Bank | $435,000 | $80,000 | -81.6% | 0.0% |
| Fifth Third Bank | $70,000 | n/a | 0.0% | |
| The Federal Savings Bank | $45,000 | $55,000 | 22.2% | 0.0% |
| EvaBank | $45,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $185,000 | $45,000 | -75.7% | 0.0% |
| ASCEND FEDERAL CREDIT UNION | $25,000 | n/a | 0.0% |
Athens's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 10.2% market share. In second place, with 6.7%, is QUICKEN LOANS, LLC, having originated $16,605,000 in loans. In third place, with 5.8%, is MORTGAGE INVESTORS GROUP, INC., having originated $14,380,000 in loans. In fourth place, with 5.5%, is Old National Bank, having originated $13,575,000 in loans. In fifth place, with 4.0%, is DHI MORTGAGE COMPANY, LTD., having originated $10,015,000 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 | $149,125 (0.9%) | $213,987 (9.9%) | 0.00 | 242 |
| 2018-02-01 | $150,875 (1.0%) | $222,578 (11.0%) | 0.00 | 223 |
| 2018-03-01 | $159,400 (2.9%) | $227,378 (9.3%) | 0.00 | 227 |
| 2018-04-01 | $164,800 (9.9%) | $232,086 (14.4%) | 0.00 | 241 |
| 2018-05-01 | $179,650 (15.2%) | $243,246 (18.3%) | 0.00 | 256 |
| 2018-06-01 | $174,950 (7.4%) | $236,760 (12.7%) | 0.00 | 282 |
| 2018-07-01 | $175,700 (9.1%) | $238,949 (15.7%) | 0.00 | 281 |
| 2018-08-01 | $187,000 (17.8%) | $238,239 (14.6%) | 0.00 | 297 |
| 2018-09-01 | $182,500 (14.1%) | $239,496 (13.5%) | 0.00 | 289 |
| 2018-10-01 | $186,750 (21.2%) | $245,408 (19.6%) | 0.00 | 287 |
| 2018-11-01 | $172,450 (15.7%) | $239,173 (21.9%) | 0.00 | 282 |
| 2018-12-01 | $169,900 (17.2%) | $223,537 (4.8%) | 0.00 | 264 |
| 2019-01-01 | $169,900 (13.9%) | $220,873 (3.2%) | 0.00 | 261 |
| 2019-02-01 | $179,175 (18.8%) | $225,411 (1.3%) | 0.00 | 256 |
| 2019-03-01 | $186,329 (16.9%) | $227,554 (0.1%) | 0.00 | 237 |
| 2019-04-01 | $197,400 (19.8%) | $235,998 (1.7%) | 0.00 | 230 |
| 2019-05-01 | $217,000 (20.8%) | $246,339 (1.3%) | 0.00 | 243 |
| 2019-06-01 | $224,950 (28.6%) | $249,170 (5.2%) | 0.00 | 240 |
| 2019-07-01 | $204,725 (16.5%) | $240,314 (0.6%) | 0.00 | 242 |
| 2019-08-01 | $199,900 (6.9%) | $240,929 (1.1%) | 0.00 | 237 |
| 2019-09-01 | $188,650 (3.4%) | $237,349 (-0.9%) | 0.00 | 245 |
| 2019-10-01 | $184,700 (-1.1%) | $236,885 (-3.5%) | 0.00 | 244 |
| 2019-11-01 | $169,900 (-1.5%) | $234,147 (-2.1%) | 0.00 | 231 |
| 2019-12-01 | $175,675 (3.4%) | $231,178 (3.4%) | 0.00 | 215 |
| 2020-01-01 | $178,175 (4.9%) | $233,092 (5.5%) | 0.00 | 208 |
| 2020-02-01 | $189,900 (6.0%) | $250,702 (11.2%) | 0.00 | 193 |
| 2020-03-01 | $198,400 (6.5%) | $255,397 (12.2%) | 0.00 | 168 |
| 2020-04-01 | $184,950 (-6.3%) | $250,972 (6.4%) | 0.00 | 158 |
| 2020-05-01 | $229,950 (6.0%) | $273,109 (10.9%) | 0.00 | 138 |
| 2020-06-01 | $229,900 (2.2%) | $281,268 (12.9%) | 0.00 | 127 |
| 2020-07-01 | $218,550 (6.8%) | $258,251 (7.5%) | 0.00 | 124 |
| 2020-08-01 | $219,900 (10.0%) | $266,786 (10.7%) | 0.00 | 115 |
| 2020-09-01 | $219,900 (16.6%) | $287,358 (21.1%) | 0.00 | 99 |
| 2020-10-01 | $220,750 (19.5%) | $269,858 (13.9%) | 0.00 | 101 |
| 2020-11-01 | $214,950 (26.5%) | $273,542 (16.8%) | 0.00 | 102 |
| 2020-12-01 | $196,500 (11.9%) | $268,032 (15.9%) | 0.00 | 94 |
| 2021-01-01 | $190,000 (6.6%) | $286,260 (22.8%) | 0.00 | 73 |
| 2021-02-01 | $236,197 (24.4%) | $309,330 (23.4%) | 0.00 | 62 |
| 2021-03-01 | $256,175 (29.1%) | $330,492 (29.4%) | 0.00 | 57 |
| 2021-04-01 | $272,400 (47.3%) | $358,077 (42.7%) | 0.00 | 52 |
| 2021-05-01 | $287,500 (25.0%) | $403,574 (47.8%) | 0.00 | 76 |
| 2021-06-01 | $266,175 (15.8%) | $391,185 (39.1%) | 0.00 | 94 |
| 2021-07-01 | $279,900 (28.1%) | $430,029 (66.5%) | 0.00 | 101 |
| 2021-08-01 | $249,925 (13.7%) | $391,090 (46.6%) | 0.00 | 109 |
| 2021-09-01 | $250,700 (14.0%) | $396,811 (38.1%) | 0.00 | 112 |
| 2021-10-01 | $259,900 (17.7%) | $406,626 (50.7%) | 0.00 | 98 |
| 2021-11-01 | $257,300 (19.7%) | $381,959 (39.6%) | 0.00 | 82 |
| 2021-12-01 | $282,175 (43.6%) | $404,444 (50.9%) | 0.00 | 85 |
| 2022-01-01 | $319,900 (68.4%) | $427,234 (49.3%) | 0.00 | 73 |
| 2022-02-01 | $326,323 (38.2%) | $442,525 (43.1%) | 0.00 | 74 |
| 2022-03-01 | $324,975 (26.9%) | $470,311 (42.3%) | 0.00 | 75 |
| 2022-04-01 | $320,000 (17.5%) | $418,265 (16.8%) | 0.00 | 84 |
| 2022-05-01 | $327,000 (13.7%) | $424,153 (5.1%) | 0.00 | 105 |
| 2022-06-01 | $322,475 (21.2%) | $414,897 (6.1%) | 0.00 | 118 |
| 2022-07-01 | $311,500 (11.3%) | $403,250 (-6.2%) | 0.00 | 160 |
| 2022-08-01 | $337,425 (35.0%) | $414,681 (6.0%) | 0.00 | 157 |
| 2022-09-01 | $345,999 (38.0%) | $452,105 (13.9%) | 0.00 | 162 |
| 2022-10-01 | $344,645 (32.6%) | $457,314 (12.5%) | 0.00 | 172 |
| 2022-11-01 | $336,564 (30.8%) | $442,300 (15.8%) | 0.00 | 192 |
| 2022-12-01 | $336,500 (19.3%) | $464,095 (14.8%) | 0.00 | 181 |
| 2023-01-01 | $344,810 (7.8%) | $484,938 (13.5%) | 0.00 | 142 |
| 2023-02-01 | $344,998 (5.7%) | $446,468 (0.9%) | 0.00 | 128 |
| 2023-03-01 | $345,245 (6.2%) | $447,546 (-4.8%) | 0.00 | 119 |
| 2023-04-01 | $349,900 (9.3%) | $486,966 (16.4%) | 0.00 | 107 |
| 2023-05-01 | $323,750 (-1.0%) | $437,123 (3.1%) | 0.00 | 149 |
| 2023-06-01 | $345,088 (7.0%) | $455,470 (9.8%) | 0.00 | 152 |
| 2023-07-01 | $325,000 (4.3%) | $451,995 (12.1%) | 0.00 | 157 |
| 2023-08-01 | $362,500 (7.4%) | $481,706 (16.2%) | 0.00 | 171 |
| 2023-09-01 | $349,000 (0.9%) | $468,849 (3.7%) | 0.00 | 181 |
| 2023-10-01 | $345,778 (0.3%) | $445,046 (-2.7%) | 0.00 | 195 |
| 2023-11-01 | $336,000 (-0.2%) | $426,986 (-3.5%) | 0.00 | 208 |
| 2023-12-01 | $325,000 (-3.4%) | $446,064 (-3.9%) | 0.00 | 205 |
| 2024-01-01 | $338,100 (-2.0%) | $437,804 (-9.7%) | 0.00 | 184 |
| 2024-02-01 | $364,750 (5.7%) | $466,105 (4.4%) | 0.00 | 178 |
| 2024-03-01 | $379,900 (10.0%) | $470,983 (5.2%) | 0.00 | 172 |
| 2024-04-01 | $333,450 (-4.7%) | $436,156 (-10.4%) | 0.00 | 163 |
| 2024-05-01 | $325,450 (0.5%) | $424,761 (-2.8%) | 0.00 | 189 |
| 2024-06-01 | $325,000 (-5.8%) | $425,342 (-6.6%) | 0.00 | 218 |
| 2024-07-01 | $327,000 (0.6%) | $423,638 (-6.3%) | 0.00 | 230 |
| 2024-08-01 | $331,900 (-8.4%) | $437,604 (-9.2%) | 0.00 | 226 |
| 2024-09-01 | $327,450 (-6.2%) | $414,651 (-11.6%) | 0.00 | 241 |
| 2024-10-01 | $325,000 (-6.0%) | $405,911 (-8.8%) | 0.00 | 260 |
| 2024-11-01 | $325,000 (-3.3%) | $429,150 (0.5%) | 0.00 | 258 |
| 2024-12-01 | $324,950 (0.0%) | $436,844 (-2.1%) | 0.00 | 250 |
| 2025-01-01 | $322,225 (-4.7%) | $435,862 (-0.4%) | 0.00 | 241 |
| 2025-02-01 | $319,950 (-12.3%) | $433,553 (-7.0%) | 0.00 | 237 |
| 2025-03-01 | $328,900 (-13.4%) | $448,912 (-4.7%) | 0.00 | 236 |
| 2025-04-01 | $328,925 (-1.4%) | $449,850 (3.1%) | 0.00 | 245 |
Athens's median listing price comes in at 0% of the national average.
Athens's average listing price for 2025-04-01 was $449,850, a difference of $13,694 (3.1%) versus the prior year and $938 versus the prior month.
For the 2025-04-01 period, Athens had 245 MLS listings, a difference of 9 listings (4%) versus the prior month and 82 listings (50%) 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 | 1,617 sqft |
| 2018-02-01 | 0 days | 1,675 sqft |
| 2018-03-01 | 0 days | 1,751 sqft |
| 2018-04-01 | 0 days | 1,778 sqft |
| 2018-05-01 | 0 days | 1,809 sqft |
| 2018-06-01 | 0 days | 1,816 sqft |
| 2018-07-01 | 0 days | 1,856 sqft |
| 2018-08-01 | 0 days | 1,867 sqft |
| 2018-09-01 | 0 days | 1,828 sqft |
| 2018-10-01 | 0 days | 1,863 sqft |
| 2018-11-01 | 0 days | 1,816 sqft |
| 2018-12-01 | 0 days | 1,784 sqft |
| 2019-01-01 | 0 days | 1,763 sqft |
| 2019-02-01 | 0 days | 1,773 sqft |
| 2019-03-01 | 0 days | 1,801 sqft |
| 2019-04-01 | 0 days | 1,822 sqft |
| 2019-05-01 | 0 days | 1,902 sqft |
| 2019-06-01 | 0 days | 1,932 sqft |
| 2019-07-01 | 0 days | 1,897 sqft |
| 2019-08-01 | 0 days | 1,869 sqft |
| 2019-09-01 | 0 days | 1,830 sqft |
| 2019-10-01 | 0 days | 1,819 sqft |
| 2019-11-01 | 0 days | 1,695 sqft |
| 2019-12-01 | 0 days | 1,602 sqft |
| 2020-01-01 | 0 days | 1,665 sqft |
| 2020-02-01 | 0 days | 1,829 sqft |
| 2020-03-01 | 0 days | 1,837 sqft |
| 2020-04-01 | 0 days | 1,829 sqft |
| 2020-05-01 | 0 days | 1,877 sqft |
| 2020-06-01 | 0 days | 1,959 sqft |
| 2020-07-01 | 0 days | 1,922 sqft |
| 2020-08-01 | 0 days | 1,998 sqft |
| 2020-09-01 | 0 days | 2,044 sqft |
| 2020-10-01 | 0 days | 2,074 sqft |
| 2020-11-01 | 0 days | 1,934 sqft |
| 2020-12-01 | 0 days | 1,832 sqft |
| 2021-01-01 | 0 days | 1,800 sqft |
| 2021-02-01 | 0 days | 1,870 sqft |
| 2021-03-01 | 0 days | 1,884 sqft |
| 2021-04-01 | 0 days | 1,849 sqft |
| 2021-05-01 | 0 days | 1,920 sqft |
| 2021-06-01 | 0 days | 1,845 sqft |
| 2021-07-01 | 0 days | 2,007 sqft |
| 2021-08-01 | 0 days | 1,966 sqft |
| 2021-09-01 | 0 days | 1,890 sqft |
| 2021-10-01 | 0 days | 1,842 sqft |
| 2021-11-01 | 0 days | 1,904 sqft |
| 2021-12-01 | 0 days | 1,895 sqft |
| 2022-01-01 | 0 days | 1,908 sqft |
| 2022-02-01 | 0 days | 1,965 sqft |
| 2022-03-01 | 0 days | 1,898 sqft |
| 2022-04-01 | 0 days | 1,927 sqft |
| 2022-05-01 | 0 days | 1,916 sqft |
| 2022-06-01 | 0 days | 1,840 sqft |
| 2022-07-01 | 0 days | 1,778 sqft |
| 2022-08-01 | 0 days | 1,872 sqft |
| 2022-09-01 | 0 days | 1,900 sqft |
| 2022-10-01 | 0 days | 1,949 sqft |
| 2022-11-01 | 0 days | 1,999 sqft |
| 2022-12-01 | 0 days | 1,991 sqft |
| 2023-01-01 | 0 days | 2,072 sqft |
| 2023-02-01 | 0 days | 2,049 sqft |
| 2023-03-01 | 0 days | 2,047 sqft |
| 2023-04-01 | 0 days | 1,991 sqft |
| 2023-05-01 | 0 days | 1,965 sqft |
| 2023-06-01 | 0 days | 1,963 sqft |
| 2023-07-01 | 0 days | 1,900 sqft |
| 2023-08-01 | 0 days | 1,848 sqft |
| 2023-09-01 | 0 days | 1,819 sqft |
| 2023-10-01 | 0 days | 1,736 sqft |
| 2023-11-01 | 0 days | 1,699 sqft |
| 2023-12-01 | 0 days | 1,698 sqft |
| 2024-01-01 | 0 days | 1,712 sqft |
| 2024-02-01 | 0 days | 1,743 sqft |
| 2024-03-01 | 0 days | 1,809 sqft |
| 2024-04-01 | 0 days | 1,680 sqft |
| 2024-05-01 | 0 days | 1,680 sqft |
| 2024-06-01 | 0 days | 1,643 sqft |
| 2024-07-01 | 0 days | 1,612 sqft |
| 2024-08-01 | 0 days | 1,758 sqft |
| 2024-09-01 | 0 days | 1,696 sqft |
| 2024-10-01 | 0 days | 1,644 sqft |
| 2024-11-01 | 0 days | 1,675 sqft |
| 2024-12-01 | 0 days | 1,650 sqft |
| 2025-01-01 | 0 days | 1,662 sqft |
| 2025-02-01 | 0 days | 1,749 sqft |
| 2025-03-01 | 0 days | 1,800 sqft |
| 2025-04-01 | 0 days | 1,767 sqft |
Athens's median square footage for active listings during the 2025-04-01 period was 1,767 sqft. One year prior, the average listing was 1,680 sqft.
Athens, TN Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 639 | $153,985,000 | $240,978 |
| Cash Out Refi | 229 | $41,305,000 | $180,371 |
| Refi | 161 | $35,655,000 | $221,460 |
| Home Improvement | 93 | $8,685,000 | $93,387 |
| Other | 87 | $8,575,000 | $98,563 |
Athens's most frequently cited loan purpose was Home Purchase, with 639 originations. The 2nd most popular reason was Cash Out Refi, with 229 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 519 | $117,155,000 | $225,732 |
| Over 8% | 216 | $22,450,000 | $103,935 |
| 7-8% | 207 | $46,925,000 | $226,691 |
| 5-6% | 187 | $46,565,000 | $249,011 |
| 4-5% | 16 | $4,570,000 | $285,625 |
| <2.5% | 6 | $870,000 | $145,000 |
During 2024, Athens's most frequently originated rate bucket was 6-7%, with 519 originations.
Loan Sizing (Athens, TN MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 484 | $130,640,000 | $269,917 |
| $100k-200k | 400 | $60,740,000 | $151,850 |
| $100,000 or less | 246 | $13,650,000 | $55,488 |
| $400k-600k | 59 | $27,775,000 | $470,763 |
| $600k-1000k | 17 | $12,135,000 | $713,824 |
| $Over $1MM | 3 | $3,265,000 | $1,088,333 |
Athens's loan sizing saw the bucket of loans from $200k-400k with 484 originations, totaling $130,640,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 496 | $127,830,000 | $257,722 |
| 60-80% | 232 | $56,770,000 | $244,698 |
| 20-40% | 136 | $13,990,000 | $102,868 |
| 40-60% | 121 | $22,275,000 | $184,091 |
| Under 20% | 118 | $5,330,000 | $45,169 |
| Over 100% | 19 | $5,315,000 | $279,737 |
Athens's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 496 originations, totaling $127,830,000 in origination value.