Athens Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Athens averaged 6.88% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 7.01% and one month ago for the week of 2025-05-15, the average rate was 6.78%.

Athens's average rate one year ago was 7.02%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.21%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Athens 30 Year Fixed Rate 2025-06-18 6.88%
Athens 30 Year Fixed Rate Refi 2025-06-18 7.21%
Athens 15 Year Fixed Rate 2025-06-18 5.96%
Athens 15 Year Fixed Rate Refi 2025-06-18 6.16%
Athens 30 Year FHA 2025-06-18 -0.12%
Athens 30 Year FHA Refi 2025-06-18 0.1%
Athens 30 Year USDA 2025-06-18 -0.1%
Athens 30 Year USDA Refi 2025-06-18 0.1%
Athens 30 Year VA 2025-06-18 0.41%
Athens 30 Year VA Refi 2025-06-18 0.1%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 39 6.97% $6,092
UNITED WHOLESALE MORTGAGE, LLC 38 6.74% $6,886
Old National Bank 25 6.80% $3,737
MORTGAGE INVESTORS GROUP, INC. 23 6.72% $5,289
DHI MORTGAGE COMPANY, LTD. 15 6.38% $2,297
Farm Credit Mid-America, ACA 11 7.18% $8,390
Bowater Employees Credit Union 11 6.82% $4,916
CMG MORTGAGE, INC. 11 7.01% $6,307
FIRST COMMUNITY MORTGAGE, INC. 9 6.61% $5,406
CapStar Bank 8 6.80% $3,308
VANDERBILT MORTGAGE AND FINANCE, INC. 6 8.46% $7,465
First Citizens National Bank 6 6.80% $2,885
ORNL Federal Credit Union 5 6.31% $5,428
TENNESSEE VALLEY 5 6.48% $4,771
MOVEMENT MORTGAGE, LLC 5 6.70% $4,559
AMERICAN PACIFIC MORTGAGE CORPORATION 5 6.70% $8,986
NEWREZ LLC 4 6.63% $5,319
JPMorgan Chase Bank 4 6.93% $3,886
Simmons Bank 4 7.09% $4,942
River Valley AgCredit, ACA 4 6.99% $6,450
FirstBank 4 7.67% $5,910
United Community Bank 4 7.44% $5,033
UNION HOME MORTGAGE CORP. 4 6.31% $8,923
NFM, INC. 3 7.25% $7,454
LOANDEPOT.COM, LLC 3 6.37% $5,599
ZILLOW HOME LOANS, LLC 3 7.17% $7,164
BROKER SOLUTIONS, INC. 3 6.75% $5,855
SouthEast Bank 3 7.92% $2,919
NexBank 3 6.25% $7,984
21ST MORTGAGE CORPORATION 2 8.70% $5,357
AMERICAN FINANCIAL NETWORK, INC. 2 7.06% $2,956
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 7.18% $5,591
BancorpSouth 2 7.06% $3,493
COMMUNITY MORTGAGE CORPORATION 2 6.49% $3,265
First Horizon Bank 2 6.88% $6,147
GUARANTEED RATE, INC. 2 6.58% $10,973
Mr. Cooper ( Nationstar Mortgage ) 2 7.81% $11,565
NAVY FEDERAL CREDIT UNION 2 6.44% $2,576
PENNYMAC LOAN SERVICES, LLC 2 6.56% $7,420
PLAZA HOME MORTGAGE, INC. 2 6.68% $4,217
Regions Bank 2 7.25% $2,705
RELIANCE FIRST CAPITAL, LLC 2 7.31% $6,892
ROYAL UNITED MORTGAGE LLC 2 6.56% $14,794
STOCKTON MORTGAGE CORPORATION 2 7.06% $6,512
Truist 2 7.30% $2,718
FLAT BRANCH MORTGAGE, INC. 1 6.50% $3,997
CU COMMUNITY, LLC 1 8.13% $7,641
CROSSCOUNTRY MORTGAGE, LLC 1 7.99% $10,512
AMERISAVE MORTGAGE CORPORATION 1 7.13% $6,634
Pinnacle Bank 1 5.88% $7,622
AmeriHome Mortgage Company, LLC 1 6.88% $3,746
PNC Bank 1 6.13% $6,314
Prosperity Home Mortgage, LLC 1 7.63% $7,149
CHURCHILL MORTGAGE CORPORATION 1 6.63% $4,605
AMERICAN FINANCING CORPORATION 1 5.63% $7,212
Waterstone Mortgage Corporation 1 7.63% $7,863
Renasant Bank 1 5.75% $4,876
Charles Schwab Bank, SSB 1 5.13% $4,367
Wells Fargo Bank 1 7.00% $5,708
Sierra Pacific Mortgage Company, Inc. 1 6.50% $5,481
Carrington Mortgage Services, LLC 1 6.13% $4,816
SIRVA MORTGAGE, INC. 1 7.00% $0
CARDINAL FINANCIAL 1 6.99% $8,174
Y-12 Federal Credit Union 1 6.13% $3,723
SUCCESS MORTGAGE PARTNERS, INC. 1 5.99% $11,241
SUMMIT FUNDING, INC. 1 7.13% $6,024
Capital City Home Loans, LLC 1 7.00% $3,732
The Loan Store, Inc. 1 6.38% $8,835
Third Federal Savings and Loan Association of Cleveland 1 7.59% $0
TJC Mortgage, Inc. 1 7.00% $8,159
TOWNE MORTGAGE COMPANY 1 7.88% $4,951
Ally Bank 1 5.88% $6,843
Trustmark National Bank 1 6.38% $3,588
LOANPAL, LLC 1 5.88% $6,114
Legacy Home Loans, LLC 1 7.38% $4,692
Mortgage Research Center, LLC 1 6.88% $3,414
KeyBank 1 5.88% $3,280
AXIA FINANCIAL, LLC 1 7.63% $5,325
MUTUAL OF OMAHA MORTGAGE, INC. 1 7.63% $4,694
Union Savings Bank 1 7.50% $4,284
GUILD MORTGAGE COMPANY 1 7.88% $7,375
Gateway First Bank 1 7.63% $6,270

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, 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.