Athens Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Athens averaged
6.17%
for the week of 2022-06-23, compared to the national average of
5.81% for the same period.
The average rate for the prior week (2022-06-16) was
6.24% and
one month ago for the week of 2022-05-19, the
average rate was 5.41%.
Athens's average rate one year ago was 3.1%.
For refis of the same type during the week of 2022-06-23, the average rate
was 6.11%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-23 | 5.81% |
| Athens 30 Year Fixed Rate | 2022-06-23 | 6.17% |
| Athens 30 Year Fixed Rate Refi | 2022-06-23 | 6.11% |
| Athens 15 Year Fixed Rate | 2022-06-23 | 6.01% |
| Athens 15 Year Fixed Rate Refi | 2022-06-23 | 5.09% |
| Athens 30 Year FHA | 2022-06-23 | 0.29% |
| Athens 30 Year FHA Refi | 2022-06-23 | 0.21% |
| Athens 30 Year USDA | 2022-06-23 | 0.05% |
| Athens 30 Year USDA Refi | 2022-06-23 | 0.12% |
| Athens 30 Year VA | 2022-06-23 | 0.07% |
| Athens 30 Year VA Refi | 2022-06-23 | -0.12% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Athens, TX.
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, TX 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, TX's 217 lenders originated 2,785
loans during 2021. The total origination value was $746,345,000, with an average loan value of
$267,987.
The top Athens lender as defined by loan originations is QUICKEN LOANS, LLC, with
96 loans originated. Their average total fees are
$5,282, which is $99
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Athens lenders (with over 10 loans originated) are
ALTRA ($3,142), VeraBank ($4,129), FINANCE OF AMERICA MORTGAGE LLC ($4,299), JPMorgan Chase Bank ($4,534) and INTEGRITY MORTGAGE CORPORATION OF TEXAS ($4,573).
The lowest rate Athens lenders (with over 10 loans originated) are
Bank of America (2.68%), Prosperity Bank (2.88%), ASPIRE FINANCIAL, INC. (2.89%), The American National Bank of Texas (2.90%) and Truist Bank (2.91%).
Athens, TX 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 |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $28,810,000 | $39,300,000 | 36.4% | 5.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $16,210,000 | $30,070,000 | 85.5% | 4.0% |
| First State Bank | $170,000 | $25,585,000 | 14,950.0% | 3.4% |
| Prosperity Bank | $7,600,000 | $22,360,000 | 194.2% | 3.0% |
| Veritex Community Bank | $12,930,000 | $22,350,000 | 72.9% | 3.0% |
| LEADERONE FINANCIAL CORPORATION | $26,655,000 | $20,245,000 | -24.0% | 2.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $12,800,000 | $17,255,000 | 34.8% | 2.3% |
| Bank of America | $13,360,000 | $16,825,000 | 25.9% | 2.3% |
| VeraBank | $9,030,000 | $16,030,000 | 77.5% | 2.1% |
| Gateway First Bank | $8,920,000 | $14,700,000 | 64.8% | 2.0% |
| LOANDEPOT.COM, LLC | $5,105,000 | $13,725,000 | 168.9% | 1.8% |
| ASPIRE FINANCIAL, INC. | $6,255,000 | $10,715,000 | 71.3% | 1.4% |
| CALIBER HOME LOANS, INC. | $18,075,000 | $10,185,000 | -43.7% | 1.4% |
| GUILD MORTGAGE COMPANY | $7,080,000 | $10,170,000 | 43.6% | 1.4% |
| FREEDOM MORTGAGE CORPORATION | $8,395,000 | $9,715,000 | 15.7% | 1.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $5,685,000 | $9,710,000 | 70.8% | 1.3% |
| 21ST MORTGAGE CORPORATION | $5,815,000 | $9,425,000 | 62.1% | 1.3% |
| Wells Fargo Bank | $9,970,000 | $9,080,000 | -8.9% | 1.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $13,010,000 | $8,735,000 | -32.9% | 1.2% |
| Southside Bank | $4,675,000 | $8,645,000 | 84.9% | 1.2% |
| Truist Bank | $1,170,000 | $8,600,000 | 635.0% | 1.2% |
| JPMorgan Chase Bank | $13,620,000 | $8,520,000 | -37.4% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $3,830,000 | $7,855,000 | 105.1% | 1.1% |
| Hometown Lenders, Inc. | $7,410,000 | n/a | 1.0% | |
| GUARANTEED RATE, INC. | $3,720,000 | $7,250,000 | 94.9% | 1.0% |
| BancorpSouth Bank | $3,135,000 | $7,180,000 | 129.0% | 1.0% |
| Mr. Cooper ( Nationstar Mortgage ) | $7,515,000 | $7,065,000 | -6.0% | 0.9% |
| First National Bank | $4,065,000 | $6,675,000 | 64.2% | 0.9% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $6,560,000 | n/a | 0.9% | |
| First United Bank and Trust Company | $1,605,000 | $6,545,000 | 307.8% | 0.9% |
| MORTGAGE FINANCIAL SERVICES, LLC | $9,425,000 | $6,490,000 | -31.1% | 0.9% |
| SFMC, LP | $5,525,000 | $6,430,000 | 16.4% | 0.9% |
| BOKF | $12,275,000 | $6,195,000 | -49.5% | 0.8% |
| Mortgage Research Center, LLC | $4,030,000 | $6,145,000 | 52.5% | 0.8% |
| CMG MORTGAGE, INC. | $3,430,000 | $5,960,000 | 73.8% | 0.8% |
| HOME POINT FINANCIAL CORPORATION | $4,360,000 | $5,855,000 | 34.3% | 0.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $10,625,000 | $5,825,000 | -45.2% | 0.8% |
| The American National Bank of Texas | $5,615,000 | $5,810,000 | 3.5% | 0.8% |
| Austin Bank, Texas | $4,650,000 | $5,415,000 | 16.5% | 0.7% |
| AMCAP MORTGAGE, LTD. | $4,205,000 | $5,350,000 | 27.2% | 0.7% |
| ALTRA | $3,780,000 | $4,975,000 | 31.6% | 0.7% |
| MID AMERICA MORTGAGE, INC. | $4,490,000 | $4,825,000 | 7.5% | 0.6% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $9,330,000 | $4,790,000 | -48.7% | 0.6% |
| FINANCE OF AMERICA MORTGAGE LLC | $7,140,000 | $4,675,000 | -34.5% | 0.6% |
| SWBC MORTGAGE CORPORATION | $6,710,000 | $4,205,000 | -37.3% | 0.6% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $2,450,000 | $4,120,000 | 68.2% | 0.6% |
| ACADEMY MORTGAGE CORPORATION | $3,155,000 | $4,065,000 | 28.8% | 0.5% |
| Independent Bank | $1,555,000 | $3,910,000 | 151.4% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $765,000 | $3,880,000 | 407.2% | 0.5% |
| Liberty National Bank | $2,015,000 | $3,870,000 | 92.1% | 0.5% |
| AMERISAVE MORTGAGE CORPORATION | $1,755,000 | $3,710,000 | 111.4% | 0.5% |
| AMERICAN FINANCIAL NETWORK, INC. | $11,615,000 | $3,560,000 | -69.3% | 0.5% |
| BETTER MORTGAGE CORPORATION | $710,000 | $3,530,000 | 397.2% | 0.5% |
| Flagstar Bank, FSB | $2,515,000 | $3,465,000 | 37.8% | 0.5% |
| TIB The Independent Bankersbank | $6,120,000 | $3,355,000 | -45.2% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,815,000 | $3,330,000 | 83.5% | 0.4% |
| First Bank | $95,000 | $3,295,000 | 3,368.4% | 0.4% |
| Citizens Bank | $2,575,000 | $3,280,000 | 27.4% | 0.4% |
| City Bank | $4,390,000 | $3,240,000 | -26.2% | 0.4% |
| THRIVE MORTGAGE, LLC | $4,280,000 | $3,190,000 | -25.5% | 0.4% |
| Prosperity Home Mortgage, LLC | $6,885,000 | $3,175,000 | -53.9% | 0.4% |
| U.S. Bank | $2,060,000 | $3,145,000 | 52.7% | 0.4% |
| NEWREZ LLC | $3,020,000 | $3,085,000 | 2.2% | 0.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $5,515,000 | $3,045,000 | -44.8% | 0.4% |
| Texas Bank and Trust Company | $1,560,000 | $2,840,000 | 82.1% | 0.4% |
| Citizens 1st Bank | $770,000 | $2,795,000 | 263.0% | 0.4% |
| AMERICA'S CHOICE HOME LOANS LP | $4,100,000 | $2,745,000 | -33.0% | 0.4% |
| First Horizon Bank | $2,740,000 | n/a | 0.4% | |
| TEXAS TRUST | $4,195,000 | $2,685,000 | -36.0% | 0.4% |
| SUMMIT FUNDING, INC. | $2,075,000 | $2,675,000 | 28.9% | 0.4% |
| SOUTHWEST STAGE FUNDING, LLC | $2,875,000 | $2,640,000 | -8.2% | 0.4% |
| Waterstone Mortgage Corporation | $245,000 | $2,635,000 | 975.5% | 0.4% |
| TEXAS TECH | $570,000 | $2,480,000 | 335.1% | 0.3% |
| NexBank | $2,200,000 | $2,450,000 | 11.4% | 0.3% |
| American National Bank & Trust | $265,000 | $2,425,000 | 815.1% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $905,000 | $2,250,000 | 148.6% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $3,510,000 | $2,205,000 | -37.2% | 0.3% |
| UNION HOME MORTGAGE CORP. | $275,000 | $2,130,000 | 674.5% | 0.3% |
| NTFN, INC. | $3,135,000 | $2,060,000 | -34.3% | 0.3% |
| GREAT WESTERN FINANCIAL SERVICES, INC. | $910,000 | $2,050,000 | 125.3% | 0.3% |
| Watermark Capital, Inc. | $1,695,000 | $2,045,000 | 20.6% | 0.3% |
| Colonial Savings, F.A. | $3,220,000 | $2,020,000 | -37.3% | 0.3% |
| CORNERSTONE HOME LENDING, INC. | $6,250,000 | $2,020,000 | -67.7% | 0.3% |
| Sunflower Bank | $1,515,000 | $2,015,000 | 33.0% | 0.3% |
| Spirit of Texas Bank, SSB | $2,215,000 | $1,995,000 | -9.9% | 0.3% |
| First Guaranty Mortgage Corporation | $620,000 | $1,960,000 | 216.1% | 0.3% |
| Farm Credit Mid-America, ACA | $935,000 | $1,850,000 | 97.9% | 0.2% |
| Inwood National Bank | $4,095,000 | $1,765,000 | -56.9% | 0.2% |
| Goldwater Bank, N.A. | $2,290,000 | $1,725,000 | -24.7% | 0.2% |
| Texas Security Bank | $530,000 | $1,720,000 | 224.5% | 0.2% |
| First Financial Bank | $5,050,000 | $1,680,000 | -66.7% | 0.2% |
| NATIONS RELIABLE LENDING, LLC | $290,000 | $1,675,000 | 477.6% | 0.2% |
| FIDELITY BANK | $2,125,000 | $1,645,000 | -22.6% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $735,000 | $1,640,000 | 123.1% | 0.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | $1,075,000 | $1,620,000 | 50.7% | 0.2% |
| InterContinental Capital Group, Inc | $435,000 | $1,605,000 | 269.0% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $2,030,000 | $1,585,000 | -21.9% | 0.2% |
| EVERETT FINANCIAL, INC. | $8,800,000 | $1,560,000 | -82.3% | 0.2% |
| The City National Bank of Sulphur Springs | $575,000 | $1,475,000 | 156.5% | 0.2% |
| Carrington Mortgage Services, LLC | $1,460,000 | n/a | 0.2% | |
| Town Square Mortgage & Investments, Inc. | $915,000 | $1,450,000 | 58.5% | 0.2% |
| Vista Bank | $695,000 | $1,445,000 | 107.9% | 0.2% |
| Simmons Bank | $2,100,000 | $1,430,000 | -31.9% | 0.2% |
| Bank of England | $410,000 | $1,415,000 | 245.1% | 0.2% |
| S1L, Inc. | $1,765,000 | $1,405,000 | -20.4% | 0.2% |
| AMERICAN FINANCING CORPORATION | $775,000 | $1,395,000 | 80.0% | 0.2% |
| Texas Bank Financial | $1,450,000 | $1,390,000 | -4.1% | 0.2% |
| Telco Plus Credit Union | $1,380,000 | n/a | 0.2% | |
| BROKER SOLUTIONS, INC. | $1,555,000 | $1,355,000 | -12.9% | 0.2% |
| COUNTRYPLACE MORTGAGE, LTD. | $905,000 | $1,350,000 | 49.2% | 0.2% |
| UBS Bank USA | $4,355,000 | $1,350,000 | -69.0% | 0.2% |
| KELLER MORTGAGE, LLC | $1,595,000 | $1,345,000 | -15.7% | 0.2% |
| North American Savings Bank, F.S.B. | $425,000 | $1,345,000 | 216.5% | 0.2% |
| Chicago Mortgage Solutions LLC | $1,335,000 | n/a | 0.2% | |
| Regions Bank | $1,925,000 | $1,335,000 | -30.6% | 0.2% |
| Happy State Bank | $1,310,000 | n/a | 0.2% | |
| CHERRY CREEK MORTGAGE, LLC | $660,000 | $1,300,000 | 97.0% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $1,055,000 | $1,290,000 | 22.3% | 0.2% |
| Network Funding, L.P. | $710,000 | $1,255,000 | 76.8% | 0.2% |
| Ally Bank | $345,000 | $1,245,000 | 260.9% | 0.2% |
| PNC Bank | $1,920,000 | $1,200,000 | -37.5% | 0.2% |
| LENDUS, LLC | $1,195,000 | n/a | 0.2% | |
| Raymond James Bank | $2,235,000 | $1,165,000 | -47.9% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $310,000 | $1,155,000 | 272.6% | 0.2% |
| LOANPAL, LLC | $185,000 | $1,155,000 | 524.3% | 0.2% |
| USAA Federal Savings Bank | $1,610,000 | $1,155,000 | -28.3% | 0.2% |
| ADVANCIAL | $885,000 | $1,095,000 | 23.7% | 0.1% |
| Reliant Bank | $55,000 | $1,080,000 | 1,863.6% | 0.1% |
| BBVA USA | $1,570,000 | $1,060,000 | -32.5% | 0.1% |
| INFINITY MORTGAGE HOLDINGS, LLC | $240,000 | $1,045,000 | 335.4% | 0.1% |
| NBKC BANK | $845,000 | $1,045,000 | 23.7% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $330,000 | $1,040,000 | 215.2% | 0.1% |
| Zions Bancorporation, N.A. | $205,000 | $1,035,000 | 404.9% | 0.1% |
| CERTAINTY HOME LOANS, LLC | $555,000 | $1,030,000 | 85.6% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $720,000 | $1,025,000 | 42.4% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $4,405,000 | $1,020,000 | -76.8% | 0.1% |
| CLEARPATH LENDING | $735,000 | $1,005,000 | 36.7% | 0.1% |
| Ennis State Bank | $680,000 | $990,000 | 45.6% | 0.1% |
| Texas Mortgage Lending, LLC | $205,000 | $990,000 | 382.9% | 0.1% |
| DAS Acquisition Company, LLC | $735,000 | $960,000 | 30.6% | 0.1% |
| First State Bank | $170,000 | $955,000 | 461.8% | 0.1% |
| NEW DAY FINANCIAL, LLC | $570,000 | $945,000 | 65.8% | 0.1% |
| AmeriHome Mortgage Company, LLC | $390,000 | $940,000 | 141.0% | 0.1% |
| UNITED MORTGAGE CORP. | $770,000 | $920,000 | 19.5% | 0.1% |
| KELLY COMMUNITY FEDERAL CREDIT UNION | $1,175,000 | $910,000 | -22.6% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $680,000 | $905,000 | 33.1% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $655,000 | $905,000 | 38.2% | 0.1% |
| SOUTHWEST FUNDING, LP | $1,195,000 | $885,000 | -25.9% | 0.1% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $835,000 | $880,000 | 5.4% | 0.1% |
| International Bank of Commerce | $800,000 | $875,000 | 9.4% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $85,000 | $870,000 | 923.5% | 0.1% |
| Texas National Bank of Jacksonville | $310,000 | $870,000 | 180.6% | 0.1% |
| The Northern Trust Company | $865,000 | n/a | 0.1% | |
| Generations Bank | $860,000 | n/a | 0.1% | |
| Lamar National Bank | $215,000 | $860,000 | 300.0% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $235,000 | $850,000 | 261.7% | 0.1% |
| LHM FINANCIAL CORPORATION | $265,000 | $835,000 | 215.1% | 0.1% |
| STEARNS LENDING, LLC | $1,250,000 | $835,000 | -33.2% | 0.1% |
| Cooperative Teachers Credit Union | $520,000 | $820,000 | 57.7% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $815,000 | n/a | 0.1% | |
| Morgan Stanley Private Bank | $535,000 | $815,000 | 52.3% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $1,105,000 | $805,000 | -27.1% | 0.1% |
| SECURITY SERVICE | $520,000 | $770,000 | 48.1% | 0.1% |
| AMPLIFY | $45,000 | $765,000 | 1,600.0% | 0.1% |
| Trinity Oaks Mortgage, LLC | $1,865,000 | $765,000 | -59.0% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $935,000 | $760,000 | -18.7% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $755,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $525,000 | $755,000 | 43.8% | 0.1% |
| Frost Bank | $375,000 | $750,000 | 100.0% | 0.1% |
| Origin Bank | $2,185,000 | $740,000 | -66.1% | 0.1% |
| Loan Simple, Inc. | $400,000 | $735,000 | 83.8% | 0.1% |
| DRAPER AND KRAMER MORTGAGE CORP. | $715,000 | n/a | 0.1% | |
| Nations Lending Corporation | $1,135,000 | $705,000 | -37.9% | 0.1% |
| CIVIC FINANCIAL SERVICES, LLC | $700,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $135,000 | $700,000 | 418.5% | 0.1% |
| Austin Capital Bank SSB | $290,000 | $690,000 | 137.9% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,370,000 | $685,000 | -50.0% | 0.1% |
| BTH Bank | $1,840,000 | $680,000 | -63.0% | 0.1% |
| Paramount Bank | $315,000 | $675,000 | 114.3% | 0.1% |
| UNITED BUILT HOMES, L.L.C. | $3,800,000 | $675,000 | -82.2% | 0.1% |
| INTERLINC MORTGAGE SERVICES, LLC | $670,000 | n/a | 0.1% | |
| SENTE MORTGAGE, INC. | $670,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,270,000 | $660,000 | -48.0% | 0.1% |
| ZILLOW HOME LOANS, LLC | $735,000 | $655,000 | -10.9% | 0.1% |
| LRS FINANCIAL NETWORK, INC. | $645,000 | n/a | 0.1% | |
| MORIA DEVELOPMENT, INC. | $630,000 | n/a | 0.1% | |
| ARC HOME LLC | $650,000 | $620,000 | -4.6% | 0.1% |
| CERTIFIED FUNDING, L.P. | $575,000 | $610,000 | 6.1% | 0.1% |
| EAST TEXAS PROFESSIONAL Credit Union | $340,000 | $570,000 | 67.6% | 0.1% |
| Lakeview Community Capital, LLC | $410,000 | $555,000 | 35.4% | 0.1% |
| HOMESTEAD FUNDING CORP. | $550,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $1,430,000 | $550,000 | -61.5% | 0.1% |
| Encompass Lending Group, LP | $435,000 | $540,000 | 24.1% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $215,000 | $535,000 | 148.8% | 0.1% |
| Low VA Rates, LLC | $885,000 | $535,000 | -39.5% | 0.1% |
| Charles Schwab Bank, SSB | $1,165,000 | $525,000 | -54.9% | 0.1% |
| Pioneer Bank, SSB | $525,000 | n/a | 0.1% | |
| The First National Bank of Tom Bean | $520,000 | $525,000 | 1.0% | 0.1% |
| Citizens National Bank, N.A. | $275,000 | $520,000 | 89.1% | 0.1% |
| BNY Mellon | $1,305,000 | $515,000 | -60.5% | 0.1% |
| Wallick & Volk, Inc. | $280,000 | $515,000 | 83.9% | 0.1% |
| First Bank & Trust | $165,000 | $500,000 | 203.0% | 0.1% |
| AMERICAN ADVISORS GROUP | $695,000 | $480,000 | -30.9% | 0.1% |
| Comerica Bank | $870,000 | $480,000 | -44.8% | 0.1% |
| Affiliated Bank | $1,195,000 | $475,000 | -60.3% | 0.1% |
| STANDARD MORTGAGE CORPORATION | $475,000 | n/a | 0.1% | |
| HIGHLAND HOMELOANS, LLC | $470,000 | n/a | 0.1% | |
| KS StateBank | $455,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $450,000 | n/a | 0.1% | |
| Strong Home Mortgage, LLC | $450,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $2,190,000 | $435,000 | -80.1% | 0.1% |
| AMWEST FUNDING CORP. | $235,000 | $425,000 | 80.9% | 0.1% |
| Cf Bank | $440,000 | $425,000 | -3.4% | 0.1% |
| CRESTMARK MORTGAGE COMPANY, LTD. | $425,000 | n/a | 0.1% | |
| GUARANTY HOME MORTGAGE CORPORATION | $410,000 | n/a | 0.1% | |
| Amerifirst Financial, Inc. | $145,000 | $405,000 | 179.3% | 0.1% |
| Ixonia Bank | $325,000 | $405,000 | 24.6% | 0.1% |
| Citizens Bank & Trust Company of Vivian, Louisiana | $335,000 | $395,000 | 17.9% | 0.1% |
| PLANET HOME LENDING, LLC | $575,000 | $395,000 | -31.3% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $735,000 | $370,000 | -49.7% | 0.0% |
| GREATER TEXAS FEDERAL CREDIT UNION | $365,000 | n/a | 0.0% | |
| Great Southern Bank | $560,000 | $365,000 | -34.8% | 0.0% |
| American State Bank | $130,000 | $355,000 | 173.1% | 0.0% |
| Citizens National Bank of Texas | $845,000 | $355,000 | -58.0% | 0.0% |
| MOBILOIL | $355,000 | n/a | 0.0% | |
| Texas Republic Bank | $1,245,000 | $355,000 | -71.5% | 0.0% |
| The Federal Savings Bank | $195,000 | $355,000 | 82.1% | 0.0% |
| The First National Bank of Albany | $355,000 | n/a | 0.0% | |
| A+ Federal Credit Union | $300,000 | $350,000 | 16.7% | 0.0% |
| Flanagan State Bank | $400,000 | $350,000 | -12.5% | 0.0% |
| Servion, Inc. | $350,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $855,000 | $350,000 | -59.1% | 0.0% |
| CrossFirst Bank | $1,305,000 | $345,000 | -73.6% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $345,000 | n/a | 0.0% | |
| First Guaranty Bank | $335,000 | n/a | 0.0% | |
| TEXAS DOW EMPLOYEES CREDIT UNION | $255,000 | $335,000 | 31.4% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $330,000 | n/a | 0.0% | |
| First National Bank Texas | $330,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,245,000 | $320,000 | -74.3% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $315,000 | n/a | 0.0% | |
| JSC | $315,000 | n/a | 0.0% | |
| Kwik Mortgage Corporation | $315,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $315,000 | n/a | 0.0% | |
| EASTMAN | $590,000 | $310,000 | -47.5% | 0.0% |
| ASSOCIATED CREDIT UNION OF TEXAS | $305,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $305,000 | n/a | 0.0% | |
| Commercial Bank of Texas | $1,050,000 | $300,000 | -71.4% | 0.0% |
| American Airlines Federal Credit Union | $115,000 | $290,000 | 152.2% | 0.0% |
| Manufacturers and Traders Trust Company | $290,000 | n/a | 0.0% | |
| AMERICA'S CREDIT UNION | $280,000 | n/a | 0.0% | |
| Mineola Community Bank, S.S.B. | $175,000 | $275,000 | 57.1% | 0.0% |
| FirstBank | $270,000 | n/a | 0.0% | |
| HANCOCK MORTGAGE PARTNERS, LLC | $265,000 | n/a | 0.0% | |
| InterBank | $705,000 | $265,000 | -62.4% | 0.0% |
| The First National Bank of Anson | $265,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $145,000 | $260,000 | 79.3% | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | $255,000 | n/a | 0.0% | |
| GSB MORTGAGE, INC. | $220,000 | $255,000 | 15.9% | 0.0% |
| American Mortgage Bank, LLC | $615,000 | $245,000 | -60.2% | 0.0% |
| Guaranty Bank & Trust, N.A. | $105,000 | $245,000 | 133.3% | 0.0% |
| HOMETRUST MORTGAGE COMPANY | $680,000 | $245,000 | -64.0% | 0.0% |
| INTELLILOAN, INC. | $245,000 | n/a | 0.0% | |
| Republic State Mortgage Co. | $985,000 | $245,000 | -75.1% | 0.0% |
| T2 FINANCIAL LLC | $245,000 | n/a | 0.0% | |
| EECU | $235,000 | $240,000 | 2.1% | 0.0% |
| Atlantic Union Bank | $235,000 | n/a | 0.0% | |
| Baxter Credit Union | $235,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $325,000 | $235,000 | -27.7% | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | $225,000 | n/a | 0.0% | |
| Discover Bank | $215,000 | $220,000 | 2.3% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $215,000 | n/a | 0.0% | |
| LIBERTYONE Credit Union | $215,000 | n/a | 0.0% | |
| NATIONS DIRECT MORTGAGE, LLC | $155,000 | $215,000 | 38.7% | 0.0% |
| SOFI LENDING CORP. | $195,000 | $215,000 | 10.3% | 0.0% |
| WEBSTER FIRST Federal Credit Union | $215,000 | n/a | 0.0% | |
| ALAMEDA MORTGAGE CORPORATION | $205,000 | n/a | 0.0% | |
| Alliance Bank | $205,000 | n/a | 0.0% | |
| Amarillo National Bank | $205,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $205,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $365,000 | $205,000 | -43.8% | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | $200,000 | n/a | 0.0% | |
| RANDOLPH-BROOKS | $1,365,000 | $200,000 | -85.3% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $4,240,000 | $195,000 | -95.4% | 0.0% |
| CELEBRITY HOME LOANS, LLC | $185,000 | n/a | 0.0% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $185,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $895,000 | $185,000 | -79.3% | 0.0% |
| BAY EQUITY LLC | $175,000 | n/a | 0.0% | |
| FBC MORTGAGE, LLC | $615,000 | $175,000 | -71.5% | 0.0% |
| MEMBER HOME LOAN, L.L.C. | $175,000 | n/a | 0.0% | |
| UNIVERSAL LENDING CORPORATION | $175,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $165,000 | n/a | 0.0% | |
| Community National Bank & Trust of Texas | $1,295,000 | $160,000 | -87.6% | 0.0% |
| LIMA ONE CAPITAL, LLC | $155,000 | n/a | 0.0% | |
| OCMBC, INC. | $155,000 | n/a | 0.0% | |
| NFM, INC. | $515,000 | $145,000 | -71.8% | 0.0% |
| INTERCAP LENDING INC. | $140,000 | n/a | 0.0% | |
| CLM MORTGAGE, INC | $135,000 | n/a | 0.0% | |
| DIRECTIONS EQUITY, LLC | $135,000 | n/a | 0.0% | |
| First Federal Bank | $395,000 | $135,000 | -65.8% | 0.0% |
| First National Bank of Omaha | $75,000 | $135,000 | 80.0% | 0.0% |
| First Option Mortgage, LLC | $245,000 | $135,000 | -44.9% | 0.0% |
| MICHIGAN MUTUAL, INC. | $345,000 | $135,000 | -60.9% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $105,000 | $135,000 | 28.6% | 0.0% |
| THRIVENT Federal Credit Union | $135,000 | n/a | 0.0% | |
| HomeBank Texas | $65,000 | $125,000 | 92.3% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $595,000 | $125,000 | -79.0% | 0.0% |
| MOBILITY Credit Union | $405,000 | $115,000 | -71.6% | 0.0% |
| Platinum Home Mortgage Corporation | $145,000 | $115,000 | -20.7% | 0.0% |
| RED RIVER EMPLOYEES | $560,000 | $115,000 | -79.5% | 0.0% |
| Sabine State Bank and Trust Company | $115,000 | n/a | 0.0% | |
| AgFirst Farm Credit Bank | $105,000 | n/a | 0.0% | |
| IMPAC MORTGAGE CORP. | $305,000 | $105,000 | -65.6% | 0.0% |
| WINGS FINANCIAL | $105,000 | n/a | 0.0% | |
| DIRECT MORTGAGE LOANS, LLC | $95,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $300,000 | $95,000 | -68.3% | 0.0% |
| Credit Union of Texas | $425,000 | $80,000 | -81.2% | 0.0% |
| DATCU | $75,000 | n/a | 0.0% | |
| DUGOOD FEDERAL CREDIT UNION | $75,000 | n/a | 0.0% | |
| Northpointe Bank | $95,000 | $75,000 | -21.1% | 0.0% |
| FORT WORTH COMMUNITY | $65,000 | n/a | 0.0% | |
| UBank | $200,000 | $65,000 | -67.5% | 0.0% |
| TOGETHER CREDIT UNION | $35,000 | n/a | 0.0% |
Athens's top lender by overall market share is QUICKEN LOANS, LLC, with 5.3% market share. In second place, with 4.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $30,070,000 in loans. In third place, with 3.4%, is First State Bank, having originated $25,585,000 in loans. In third place, with 3.0%, is Prosperity Bank, having originated $22,360,000 in loans. In third place, with 3.0%, is Veritex Community Bank, having originated $22,350,000 in loans.
Athens, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,569 | $460,555,000 | $293,534 |
| Refi | 768 | $179,170,000 | $233,294 |
| Cash Out Refi | 364 | $88,400,000 | $242,857 |
| Other | 49 | $12,845,000 | $262,143 |
| Home Improvement | 35 | $5,375,000 | $153,571 |
Athens's most frequently cited loan purpose was Home Purchase, with 1,569 originations. The 2nd most popular reason was Refi, with 768 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 982 | $276,520,000 | $281,589 |
| 2.5-3% | 860 | $249,230,000 | $289,802 |
| <2.5% | 379 | $96,175,000 | $253,760 |
| 4-5% | 161 | $33,185,000 | $206,118 |
| Over 8% | 90 | $8,720,000 | $96,889 |
| 5-6% | 55 | $6,685,000 | $121,545 |
| 6-7% | 37 | $4,615,000 | $124,730 |
| 7-8% | 36 | $3,540,000 | $98,333 |
During 2021, Athens's most frequently originated rate bucket was 3-4%, with 982 originations.
Loan Sizing (Athens, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 994 | $148,170,000 | $149,064 |
| $200k-400k | 956 | $262,400,000 | $274,477 |
| $100,000 or less | 398 | $27,340,000 | $68,693 |
| $400k-600k | 292 | $143,420,000 | $491,164 |
| $600k-1000k | 93 | $69,095,000 | $742,957 |
| $Over $1MM | 52 | $95,920,000 | $1,844,615 |
Athens's loan sizing saw the bucket of loans from $100k-200k with 994 originations, totaling $148,170,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,037 | $247,695,000 | $238,857 |
| 60-80% | 827 | $266,565,000 | $322,328 |
| 40-60% | 409 | $105,475,000 | $257,885 |
| 20-40% | 151 | $31,005,000 | $205,331 |
| Under 20% | 56 | $3,430,000 | $61,250 |
| Over 100% | 46 | $9,850,000 | $214,130 |
Athens's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,037 originations, totaling $247,695,000 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 | $259,900 (2.5%) | $407,882 (5.4%) | 0.00 | 799 |
| 2018-02-01 | $267,450 (5.9%) | $414,904 (10.2%) | 0.00 | 813 |
| 2018-03-01 | $285,000 (7.3%) | $412,864 (4.1%) | 0.00 | 851 |
| 2018-04-01 | $289,500 (7.6%) | $406,906 (1.9%) | 0.00 | 894 |
| 2018-05-01 | $294,450 (8.3%) | $419,778 (-0.3%) | 0.00 | 911 |
| 2018-06-01 | $289,500 (4.5%) | $421,818 (-0.4%) | 0.00 | 972 |
| 2018-07-01 | $277,000 (-0.7%) | $402,197 (-3.9%) | 0.00 | 945 |
| 2018-08-01 | $260,900 (-1.3%) | $381,195 (-8.0%) | 0.00 | 963 |
| 2018-09-01 | $250,000 (-9.1%) | $383,994 (-9.5%) | 0.00 | 973 |
| 2018-10-01 | $246,950 (-7.5%) | $379,175 (-7.5%) | 0.00 | 973 |
| 2018-11-01 | $241,500 (-10.6%) | $386,303 (-5.0%) | 0.00 | 935 |
| 2018-12-01 | $239,000 (-10.8%) | $387,755 (-3.9%) | 0.00 | 914 |
| 2019-01-01 | $241,950 (-6.9%) | $395,443 (-3.1%) | 0.00 | 837 |
| 2019-02-01 | $254,900 (-4.7%) | $393,308 (-5.2%) | 0.00 | 853 |
| 2019-03-01 | $269,000 (-5.6%) | $412,770 (0.0%) | 0.00 | 788 |
| 2019-04-01 | $271,250 (-6.3%) | $407,869 (0.2%) | 0.00 | 822 |
| 2019-05-01 | $289,000 (-1.9%) | $406,714 (-3.1%) | 0.00 | 808 |
| 2019-06-01 | $295,500 (2.1%) | $411,859 (-2.4%) | 0.00 | 820 |
| 2019-07-01 | $279,950 (1.1%) | $403,494 (0.3%) | 0.00 | 807 |
| 2019-08-01 | $274,714 (5.3%) | $408,370 (7.1%) | 0.00 | 786 |
| 2019-09-01 | $269,450 (7.8%) | $411,304 (7.1%) | 0.00 | 774 |
| 2019-10-01 | $267,500 (8.3%) | $416,752 (9.9%) | 0.00 | 765 |
| 2019-11-01 | $265,000 (9.7%) | $414,613 (7.3%) | 0.00 | 724 |
| 2019-12-01 | $265,000 (10.9%) | $385,255 (-0.6%) | 0.00 | 686 |
| 2020-01-01 | $254,500 (5.2%) | $388,590 (-1.7%) | 0.00 | 623 |
| 2020-02-01 | $249,000 (-2.3%) | $384,857 (-2.2%) | 0.00 | 666 |
| 2020-03-01 | $244,500 (-9.1%) | $379,346 (-8.1%) | 0.00 | 700 |
| 2020-04-01 | $239,450 (-11.7%) | $366,667 (-10.1%) | 0.00 | 721 |
| 2020-05-01 | $242,000 (-16.3%) | $397,456 (-2.3%) | 0.00 | 632 |
| 2020-06-01 | $239,000 (-19.1%) | $384,183 (-6.7%) | 0.00 | 499 |
| 2020-07-01 | $234,450 (-16.3%) | $391,072 (-3.1%) | 0.00 | 461 |
| 2020-08-01 | $229,900 (-16.3%) | $422,264 (3.4%) | 0.00 | 452 |
| 2020-09-01 | $229,900 (-14.7%) | $447,346 (8.8%) | 0.00 | 447 |
| 2020-10-01 | $239,000 (-10.7%) | $462,659 (11.0%) | 0.00 | 449 |
| 2020-11-01 | $244,250 (-7.8%) | $478,390 (15.4%) | 0.00 | 467 |
| 2020-12-01 | $240,950 (-9.1%) | $461,762 (19.9%) | 0.00 | 449 |
| 2021-01-01 | $239,000 (-6.1%) | $449,990 (15.8%) | 0.00 | 407 |
| 2021-02-01 | $253,400 (1.8%) | $485,870 (26.3%) | 0.00 | 328 |
| 2021-03-01 | $282,500 (15.5%) | $469,254 (23.7%) | 0.00 | 285 |
| 2021-04-01 | $304,950 (27.4%) | $490,269 (33.7%) | 0.00 | 277 |
| 2021-05-01 | $332,000 (37.2%) | $521,683 (31.3%) | 0.00 | 272 |
| 2021-06-01 | $332,500 (39.1%) | $592,593 (54.3%) | 0.00 | 301 |
| 2021-07-01 | $344,500 (46.9%) | $599,921 (53.4%) | 0.00 | 364 |
| 2021-08-01 | $377,000 (64.0%) | $590,393 (39.8%) | 0.00 | 419 |
| 2021-09-01 | $359,999 (56.6%) | $537,984 (20.3%) | 0.00 | 441 |
| 2021-10-01 | $339,000 (41.8%) | $534,793 (15.6%) | 0.00 | 426 |
| 2021-11-01 | $349,500 (43.1%) | $548,175 (14.6%) | 0.00 | 401 |
| 2021-12-01 | $327,500 (35.9%) | $533,201 (15.5%) | 0.00 | 389 |
| 2022-01-01 | $327,900 (37.2%) | $523,713 (16.4%) | 0.00 | 342 |
| 2022-02-01 | $345,000 (36.2%) | $611,179 (25.8%) | 0.00 | 285 |
| 2022-03-01 | $399,000 (41.2%) | $731,617 (55.9%) | 0.00 | 282 |
| 2022-04-01 | $399,000 (30.8%) | $733,580 (49.6%) | 0.00 | 322 |
| 2022-05-01 | $404,250 (21.8%) | $777,385 (49.0%) | 0.00 | 411 |
Athens's median listing price for 2022-05-01 was $404,250, a difference of
$72,250
(21.8%) versus the prior year and
$5,250 versus the prior month.
Athens's median listing price comes in at 0% of the national average.
Athens's average listing price for 2022-05-01 was $777,385, a difference of $255,702 (49.0%) versus the prior year and $43,805 versus the prior month.
For the 2022-05-01 period, Athens had 411 MLS listings, a difference of 89 listings (28%) versus the prior month and 139 listings (51%) versus the prior year.
Athens's median listing price comes in at 0% of the national average.
Athens's average listing price for 2022-05-01 was $777,385, a difference of $255,702 (49.0%) versus the prior year and $43,805 versus the prior month.
For the 2022-05-01 period, Athens had 411 MLS listings, a difference of 89 listings (28%) versus the prior month and 139 listings (51%) 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 | 2,015 sqft |
| 2018-02-01 | 0 days | 1,986 sqft |
| 2018-03-01 | 0 days | 2,017 sqft |
| 2018-04-01 | 0 days | 2,037 sqft |
| 2018-05-01 | 0 days | 2,064 sqft |
| 2018-06-01 | 0 days | 2,050 sqft |
| 2018-07-01 | 0 days | 2,048 sqft |
| 2018-08-01 | 0 days | 2,000 sqft |
| 2018-09-01 | 0 days | 1,924 sqft |
| 2018-10-01 | 0 days | 1,908 sqft |
| 2018-11-01 | 0 days | 1,941 sqft |
| 2018-12-01 | 0 days | 1,894 sqft |
| 2019-01-01 | 0 days | 1,894 sqft |
| 2019-02-01 | 0 days | 1,918 sqft |
| 2019-03-01 | 0 days | 1,988 sqft |
| 2019-04-01 | 0 days | 1,971 sqft |
| 2019-05-01 | 0 days | 2,037 sqft |
| 2019-06-01 | 0 days | 2,067 sqft |
| 2019-07-01 | 0 days | 2,014 sqft |
| 2019-08-01 | 0 days | 1,980 sqft |
| 2019-09-01 | 0 days | 1,947 sqft |
| 2019-10-01 | 0 days | 1,983 sqft |
| 2019-11-01 | 0 days | 1,950 sqft |
| 2019-12-01 | 0 days | 1,937 sqft |
| 2020-01-01 | 0 days | 1,912 sqft |
| 2020-02-01 | 0 days | 1,888 sqft |
| 2020-03-01 | 0 days | 1,858 sqft |
| 2020-04-01 | 0 days | 1,847 sqft |
| 2020-05-01 | 0 days | 1,850 sqft |
| 2020-06-01 | 0 days | 1,850 sqft |
| 2020-07-01 | 0 days | 1,848 sqft |
| 2020-08-01 | 0 days | 1,848 sqft |
| 2020-09-01 | 0 days | 1,845 sqft |
| 2020-10-01 | 0 days | 1,831 sqft |
| 2020-11-01 | 0 days | 1,809 sqft |
| 2020-12-01 | 0 days | 1,773 sqft |
| 2021-01-01 | 0 days | 1,775 sqft |
| 2021-02-01 | 0 days | 1,843 sqft |
| 2021-03-01 | 0 days | 1,864 sqft |
| 2021-04-01 | 0 days | 1,970 sqft |
| 2021-05-01 | 0 days | 1,972 sqft |
| 2021-06-01 | 0 days | 1,965 sqft |
| 2021-07-01 | 0 days | 1,934 sqft |
| 2021-08-01 | 0 days | 1,910 sqft |
| 2021-09-01 | 0 days | 1,878 sqft |
| 2021-10-01 | 0 days | 1,862 sqft |
| 2021-11-01 | 0 days | 1,854 sqft |
| 2021-12-01 | 0 days | 1,800 sqft |
| 2022-01-01 | 0 days | 1,810 sqft |
| 2022-02-01 | 0 days | 1,897 sqft |
| 2022-03-01 | 0 days | 1,901 sqft |
| 2022-04-01 | 0 days | 1,931 sqft |
| 2022-05-01 | 0 days | 1,989 sqft |
Athens's median listing age (time on market) for 2022-05-01 was 0 days.
Athens's median square footage for active listings during the 2022-05-01 period was 1,989 sqft. One year prior, the average listing was 1,972 sqft.
Athens's median square footage for active listings during the 2022-05-01 period was 1,989 sqft. One year prior, the average listing was 1,972 sqft.
