Athens Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Athens averaged
7.15%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
7.15% and
one month ago for the week of 2025-05-29, the
average rate was 7.27%.
Athens's average rate one year ago was 7.04%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.77%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Athens 30 Year Fixed Rate | 2025-07-03 | 7.15% |
| Athens 30 Year Fixed Rate Refi | 2025-07-03 | 6.77% |
| Athens 15 Year Fixed Rate | 2025-07-03 | 6% |
| Athens 15 Year Fixed Rate Refi | 2025-07-03 | 6.1% |
| Athens 30 Year FHA | 2025-07-03 | 0.21% |
| Athens 30 Year FHA Refi | 2025-07-03 | -0.1% |
| Athens 30 Year USDA | 2025-07-03 | 0.1% |
| Athens 30 Year USDA Refi | 2025-07-03 | 0% |
| Athens 30 Year VA | 2025-07-03 | 0.13% |
| Athens 30 Year VA Refi | 2025-07-03 | 0.2% |
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, 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 Average Closing Costs & Other Stats
Athens, TX's 159 lenders originated 1,624
loans during 2024. The total origination value was $478,760,000, with an average loan value of
$294,803.
Athens's average closing costs are $6,588.
The top Athens lender as defined by loan originations is QUICKEN LOANS, LLC, with
64 loans originated. Their average total fees are
$7,497, which is $478
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Athens lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($2,433), LOANDEPOT.COM, LLC ($6,987), UNITED WHOLESALE MORTGAGE, LLC ($7,019), First United Bank and Trust Company ($7,364) and QUICKEN LOANS, LLC ($7,497).
The lowest rate Athens lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.65%), JPMorgan Chase Bank (6.71%), CMG MORTGAGE, INC. (6.78%), LOANDEPOT.COM, LLC (6.83%) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.86%).
Athens, TX 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 | $18,510,000 | $23,920,000 | 29.2% | 5.0% |
| QUICKEN LOANS, LLC | $16,445,000 | $22,900,000 | 39.3% | 4.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $13,970,000 | $16,615,000 | 18.9% | 3.5% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $4,725,000 | $12,930,000 | 173.7% | 2.7% |
| JPMorgan Chase Bank | $7,060,000 | $12,750,000 | 80.6% | 2.7% |
| First State Bank | $14,665,000 | $11,820,000 | -19.4% | 2.5% |
| 21ST MORTGAGE CORPORATION | $9,650,000 | $11,340,000 | 17.5% | 2.4% |
| CMG MORTGAGE, INC. | $7,645,000 | $11,005,000 | 44.0% | 2.3% |
| First United Bank and Trust Company | $3,910,000 | $9,975,000 | 155.1% | 2.1% |
| Bank of America | $7,400,000 | $8,810,000 | 19.1% | 1.8% |
| ALTRA | $4,315,000 | $7,795,000 | 80.6% | 1.6% |
| DHI MORTGAGE COMPANY, LTD. | $2,110,000 | $7,590,000 | 259.7% | 1.6% |
| CARDINAL FINANCIAL | $11,690,000 | $7,470,000 | -36.1% | 1.6% |
| LOANDEPOT.COM, LLC | $3,590,000 | $7,395,000 | 106.0% | 1.5% |
| Veritex Community Bank | $6,455,000 | $7,255,000 | 12.4% | 1.5% |
| First Financial Bank | $2,610,000 | $7,235,000 | 177.2% | 1.5% |
| GUILD MORTGAGE COMPANY | $6,365,000 | $6,745,000 | 6.0% | 1.4% |
| Mortgage Research Center, LLC | $8,420,000 | $6,555,000 | -22.1% | 1.4% |
| VeraBank | $10,325,000 | $6,110,000 | -40.8% | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,870,000 | $5,900,000 | 52.5% | 1.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $2,465,000 | $5,890,000 | 138.9% | 1.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,360,000 | $5,825,000 | 73.4% | 1.2% |
| NexBank | $1,225,000 | $5,385,000 | 339.6% | 1.1% |
| Citibank | $6,365,000 | $5,010,000 | -21.3% | 1.0% |
| BancorpSouth | $3,135,000 | $4,530,000 | 44.5% | 0.9% |
| EVERETT FINANCIAL, INC. | $2,420,000 | $4,345,000 | 79.5% | 0.9% |
| Farm Credit Mid-America, ACA | $395,000 | $4,345,000 | 1,000.0% | 0.9% |
| Prosperity Bank | $14,445,000 | $3,980,000 | -72.4% | 0.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $2,075,000 | $3,950,000 | 90.4% | 0.8% |
| HALLMARK HOME MORTGAGE, LLC | $2,945,000 | $3,890,000 | 32.1% | 0.8% |
| Wells Fargo Bank | $2,280,000 | $3,775,000 | 65.6% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $1,880,000 | $3,625,000 | 92.8% | 0.8% |
| Community National Bank & Trust of Texas | $255,000 | $3,480,000 | 1,264.7% | 0.7% |
| ARC HOME LLC | $245,000 | $3,385,000 | 1,281.6% | 0.7% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $3,680,000 | $3,175,000 | -13.7% | 0.7% |
| Charles Schwab Bank, SSB | $3,165,000 | n/a | 0.7% | |
| MORTGAGE FINANCIAL SERVICES, LLC | $1,825,000 | $3,120,000 | 71.0% | 0.7% |
| CORNERSTONE HOME LENDING, INC. | $745,000 | $3,065,000 | 311.4% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,685,000 | $3,015,000 | 12.3% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $3,875,000 | $2,980,000 | -23.1% | 0.6% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $3,370,000 | $2,980,000 | -11.6% | 0.6% |
| SWBC MORTGAGE CORPORATION | $1,665,000 | $2,950,000 | 77.2% | 0.6% |
| Florida Capital Bank | $2,875,000 | n/a | 0.6% | |
| SFMC, LP | $3,095,000 | $2,720,000 | -12.1% | 0.6% |
| S1L, Inc. | $375,000 | $2,630,000 | 601.3% | 0.5% |
| UBS Bank USA | $2,595,000 | n/a | 0.5% | |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $2,540,000 | n/a | 0.5% | |
| Frost Bank | $1,450,000 | $2,505,000 | 72.8% | 0.5% |
| ITHINK FINANCIAL Credit Union | $2,485,000 | n/a | 0.5% | |
| Vista Bank | $185,000 | $2,360,000 | 1,175.7% | 0.5% |
| Texas Bank and Trust Company | $2,590,000 | $2,325,000 | -10.2% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $1,265,000 | $2,310,000 | 82.6% | 0.5% |
| City Bank | $860,000 | $2,220,000 | 158.1% | 0.5% |
| Gateway First Bank | $1,335,000 | $2,210,000 | 65.5% | 0.5% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $2,040,000 | n/a | 0.4% | |
| VILLAGE CAPITAL MORTGAGE | $2,010,000 | n/a | 0.4% | |
| THE MORTGAGE LINK, INC. | $425,000 | $1,925,000 | 352.9% | 0.4% |
| LENDINGHOME FUNDING CORPORATION | $1,720,000 | $1,915,000 | 11.3% | 0.4% |
| The American National Bank of Texas | $2,560,000 | $1,860,000 | -27.3% | 0.4% |
| Origin Bank | $5,615,000 | $1,805,000 | -67.9% | 0.4% |
| Prosperity Home Mortgage, LLC | $2,975,000 | $1,760,000 | -40.8% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $735,000 | $1,755,000 | 138.8% | 0.4% |
| The Northern Trust Company | $1,745,000 | n/a | 0.4% | |
| MEMBER FIRST MORTGAGE, LLC | $205,000 | $1,740,000 | 748.8% | 0.4% |
| Morgan Stanley Private Bank | $2,065,000 | $1,740,000 | -15.7% | 0.4% |
| Flagstar Bank, FSB | $2,470,000 | $1,720,000 | -30.4% | 0.4% |
| Texas National Bank of Jacksonville | $1,015,000 | $1,705,000 | 68.0% | 0.4% |
| Third Coast Bank SSB | $455,000 | $1,685,000 | 270.3% | 0.4% |
| Southside Bank | $3,235,000 | $1,655,000 | -48.8% | 0.3% |
| GUARANTEED RATE, INC. | $7,260,000 | $1,615,000 | -77.8% | 0.3% |
| PNC Bank | $1,315,000 | $1,595,000 | 21.3% | 0.3% |
| Simmons Bank | $1,345,000 | $1,595,000 | 18.6% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,355,000 | $1,590,000 | 17.3% | 0.3% |
| U.S. Bank | $1,800,000 | $1,585,000 | -11.9% | 0.3% |
| Goldman Sachs Bank USA | $1,540,000 | n/a | 0.3% | |
| Service Federal Credit Union | $1,525,000 | n/a | 0.3% | |
| HOMEXPRESS MORTGAGE CORP. | $275,000 | $1,500,000 | 445.5% | 0.3% |
| BROKER SOLUTIONS, INC. | $490,000 | $1,490,000 | 204.1% | 0.3% |
| DEEPHAVEN MORTGAGE LLC | $975,000 | $1,435,000 | 47.2% | 0.3% |
| AMWEST FUNDING CORP. | $315,000 | $1,415,000 | 349.2% | 0.3% |
| Independent Bank | $895,000 | $1,410,000 | 57.5% | 0.3% |
| UNION HOME MORTGAGE CORP. | $330,000 | $1,395,000 | 322.7% | 0.3% |
| Citizens National Bank of Texas | $215,000 | $1,385,000 | 544.2% | 0.3% |
| Ennis State Bank | $615,000 | $1,370,000 | 122.8% | 0.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $2,720,000 | $1,360,000 | -50.0% | 0.3% |
| Equity Prime Mortgage LLC | $370,000 | $1,340,000 | 262.2% | 0.3% |
| RANDOLPH-BROOKS | $1,065,000 | $1,340,000 | 25.8% | 0.3% |
| Network Funding, L.P. | $400,000 | $1,270,000 | 217.5% | 0.3% |
| NATIONS RELIABLE LENDING, LLC | $1,255,000 | n/a | 0.3% | |
| MID AMERICA MORTGAGE, INC. | $1,295,000 | $1,240,000 | -4.2% | 0.3% |
| ROYAL UNITED MORTGAGE LLC | $245,000 | $1,175,000 | 379.6% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $395,000 | $1,130,000 | 186.1% | 0.2% |
| SOUTHWEST STAGE FUNDING, LLC | $860,000 | $1,130,000 | 31.4% | 0.2% |
| Zions Bank | $315,000 | $1,130,000 | 258.7% | 0.2% |
| AMERICAN FINANCING CORPORATION | $1,105,000 | n/a | 0.2% | |
| Austin Bank, Texas | $3,005,000 | $1,045,000 | -65.2% | 0.2% |
| The Central Trust Bank | $1,045,000 | n/a | 0.2% | |
| Central National Bank | $1,485,000 | $1,015,000 | -31.6% | 0.2% |
| AmeriHome Mortgage Company, LLC | $950,000 | $995,000 | 4.7% | 0.2% |
| Plains Commerce Bank | $340,000 | $975,000 | 186.8% | 0.2% |
| NEWREZ LLC | $1,550,000 | $960,000 | -38.1% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $105,000 | $950,000 | 804.8% | 0.2% |
| SUMMIT FUNDING, INC. | $555,000 | $950,000 | 71.2% | 0.2% |
| Extraco Banks | $1,520,000 | $940,000 | -38.2% | 0.2% |
| First-Citizens Bank & Trust Company | $925,000 | n/a | 0.2% | |
| UNITED BUILT HOMES, L.L.C. | $1,980,000 | $925,000 | -53.3% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $560,000 | $875,000 | 56.3% | 0.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $840,000 | n/a | 0.2% | |
| Town Square Mortgage & Investments, Inc. | $1,570,000 | $840,000 | -46.5% | 0.2% |
| SOUTHWEST FUNDING, LP | $815,000 | n/a | 0.2% | |
| Discover Bank | $700,000 | $780,000 | 11.4% | 0.2% |
| T2 FINANCIAL LLC | $1,095,000 | $770,000 | -29.7% | 0.2% |
| 1ST SIGNATURE LENDING, LLC | $1,015,000 | $765,000 | -24.6% | 0.2% |
| NP, Inc. | $225,000 | $765,000 | 240.0% | 0.2% |
| V.I.P. MORTGAGE, INC. | $255,000 | $765,000 | 200.0% | 0.2% |
| Mid-Continent Funding, Inc. | $195,000 | $760,000 | 289.7% | 0.2% |
| Ixonia Bank | $870,000 | $750,000 | -13.8% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $550,000 | $745,000 | 35.5% | 0.2% |
| EASTMAN | $1,980,000 | $730,000 | -63.1% | 0.2% |
| Northpointe Bank | $790,000 | $725,000 | -8.2% | 0.2% |
| NBH Bank | $825,000 | $720,000 | -12.7% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $95,000 | $715,000 | 652.6% | 0.1% |
| RF Renovo Management Company, LLC | $585,000 | $710,000 | 21.4% | 0.1% |
| CANOPY MORTGAGE, LLC | $105,000 | $705,000 | 571.4% | 0.1% |
| Republic State Mortgage Co. | $185,000 | $695,000 | 275.7% | 0.1% |
| Regions Bank | $1,010,000 | $690,000 | -31.7% | 0.1% |
| ADVANCIAL | $800,000 | $675,000 | -15.6% | 0.1% |
| UNITED MORTGAGE CORP | $675,000 | n/a | 0.1% | |
| American Airlines Federal Credit Union | $115,000 | $670,000 | 482.6% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $245,000 | $660,000 | 169.4% | 0.1% |
| Magnolia Bank | $255,000 | $660,000 | 158.8% | 0.1% |
| GENEVA FINANCIAL, LLC | $360,000 | $655,000 | 81.9% | 0.1% |
| EAST TEXAS PROFESSIONAL Credit Union | $105,000 | $625,000 | 495.2% | 0.1% |
| GARDNER FINANCIAL SERVICES, LTD. | $235,000 | $615,000 | 161.7% | 0.1% |
| Telco Plus Credit Union | $655,000 | $610,000 | -6.9% | 0.1% |
| COUNTRYPLACE MORTGAGE, LTD. | $350,000 | $600,000 | 71.4% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $1,260,000 | $600,000 | -52.4% | 0.1% |
| AMPLIFY | $590,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $585,000 | n/a | 0.1% | |
| Texas Security Bank | $435,000 | $580,000 | 33.3% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $575,000 | n/a | 0.1% | |
| SECURITY SERVICE | $360,000 | $565,000 | 56.9% | 0.1% |
| Watermark Capital, Inc. | $435,000 | $565,000 | 29.9% | 0.1% |
| Waterstone Mortgage Corporation | $565,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $240,000 | $555,000 | 131.3% | 0.1% |
| BETTER MORTGAGE CORPORATION | $540,000 | n/a | 0.1% | |
| Citizens 1st Bank | $540,000 | n/a | 0.1% | |
| OCMBC, INC. | $360,000 | $535,000 | 48.6% | 0.1% |
| UNIVERSITY Federal Credit Union | $530,000 | n/a | 0.1% | |
| OAKTREE FUNDING CORP. | $195,000 | $525,000 | 169.2% | 0.1% |
| FIDELITY BANK | $765,000 | $520,000 | -32.0% | 0.1% |
| First Bank | $355,000 | $520,000 | 46.5% | 0.1% |
| First Horizon Bank | $1,045,000 | $520,000 | -50.2% | 0.1% |
| LOANPEOPLE, LLC | $980,000 | $520,000 | -46.9% | 0.1% |
| USAA Federal Savings Bank | $735,000 | $520,000 | -29.3% | 0.1% |
| Affiliated Bank | $3,005,000 | $510,000 | -83.0% | 0.1% |
| CommunityBank of Texas, N.A. | $505,000 | n/a | 0.1% | |
| Nations Lending Corporation | $685,000 | $500,000 | -27.0% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $390,000 | $495,000 | 26.9% | 0.1% |
| NEXERA HOLDING LLC | $175,000 | $490,000 | 180.0% | 0.1% |
| Sunflower Bank | $385,000 | $490,000 | 27.3% | 0.1% |
| Trinity Oaks Mortgage, LLC | $965,000 | $490,000 | -49.2% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $215,000 | $485,000 | 125.6% | 0.1% |
| The Loan Store, Inc. | $300,000 | $480,000 | 60.0% | 0.1% |
| HomeBank Texas | $65,000 | $475,000 | 630.8% | 0.1% |
| International Bank of Commerce | $255,000 | $465,000 | 82.4% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $465,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $210,000 | $450,000 | 114.3% | 0.1% |
| Commercial Bank of Texas | $285,000 | $445,000 | 56.1% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $445,000 | n/a | 0.1% | |
| Strong Home Mortgage, LLC | $465,000 | $445,000 | -4.3% | 0.1% |
| KELLY COMMUNITY FEDERAL CREDIT UNION | $1,300,000 | $435,000 | -66.5% | 0.1% |
| Credit Union of Texas | $790,000 | $430,000 | -45.6% | 0.1% |
| Citadel Servicing Corporation | $205,000 | $425,000 | 107.3% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,075,000 | $410,000 | -61.9% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $405,000 | n/a | 0.1% | |
| INTERLINC MORTGAGE SERVICES, LLC | $125,000 | $400,000 | 220.0% | 0.1% |
| LONE STAR | $160,000 | $400,000 | 150.0% | 0.1% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $395,000 | n/a | 0.1% | |
| The First National Bank of Anson | $375,000 | n/a | 0.1% | |
| DOMINION FINANCIAL SERVICES, LLC | $445,000 | $370,000 | -16.9% | 0.1% |
| HOMESPIRE MORTGAGE CORPORATION | $365,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $365,000 | n/a | 0.1% | |
| Commerce Home Mortgage, Inc. | $185,000 | $345,000 | 86.5% | 0.1% |
| Texas Mortgage Lending, LLC | $715,000 | $345,000 | -51.7% | 0.1% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $135,000 | $340,000 | 151.9% | 0.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $340,000 | n/a | 0.1% | |
| UBank | $775,000 | $330,000 | -57.4% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $320,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $275,000 | $320,000 | 16.4% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $315,000 | n/a | 0.1% | |
| Legend Bank, N.A. | $315,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $430,000 | $310,000 | -27.9% | 0.1% |
| Leader Bank | $445,000 | $305,000 | -31.5% | 0.1% |
| NBKC BANK | $695,000 | $305,000 | -56.1% | 0.1% |
| TEXAS TRUST | $1,580,000 | $305,000 | -80.7% | 0.1% |
| Citizens Bank & Trust Company of Vivian, Louisiana | $295,000 | n/a | 0.1% | |
| GMFS LLC | $295,000 | n/a | 0.1% | |
| The Federal Savings Bank | $295,000 | $295,000 | 0.0% | 0.1% |
| BELEM SERVICING LLC | $285,000 | n/a | 0.1% | |
| COMPEER FINANCIAL, FLCA | $275,000 | n/a | 0.1% | |
| LRS FINANCIAL NETWORK, INC. | $565,000 | $275,000 | -51.3% | 0.1% |
| American Mortgage Bank, LLC | $255,000 | n/a | 0.1% | |
| Firefighters First Federal Credit Union | $255,000 | n/a | 0.1% | |
| First National Bank of East Texas | $255,000 | n/a | 0.1% | |
| INTERCAP LENDING INC. | $250,000 | n/a | 0.1% | |
| AMERITRUST MORTGAGE CORPORATION | $245,000 | n/a | 0.1% | |
| NFM, INC. | $820,000 | $245,000 | -70.1% | 0.1% |
| AXIA FINANCIAL, LLC | $235,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $235,000 | n/a | 0.0% | |
| SeaTrust Mortgage Company | $235,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $410,000 | $235,000 | -42.7% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $270,000 | $225,000 | -16.7% | 0.0% |
| Performance Financial, Inc. | $225,000 | n/a | 0.0% | |
| Truist | $265,000 | $225,000 | -15.1% | 0.0% |
| CERTIFIED FUNDING, L.P. | $220,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $310,000 | $215,000 | -30.6% | 0.0% |
| Lamar National Bank | $215,000 | n/a | 0.0% | |
| RB MORTGAGE LLC | $215,000 | n/a | 0.0% | |
| Alliance Bank | $205,000 | n/a | 0.0% | |
| American National Bank & Trust | $65,000 | $205,000 | 215.4% | 0.0% |
| First State Bank of St. Charles, Missouri | $205,000 | n/a | 0.0% | |
| Home Mortgage Alliance Corp | $205,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $435,000 | $195,000 | -55.2% | 0.0% |
| Midwest Mortgage Associates Corporation | $165,000 | $195,000 | 18.2% | 0.0% |
| MOBILITY Credit Union | $55,000 | $185,000 | 236.4% | 0.0% |
| Ciera Bank | $175,000 | n/a | 0.0% | |
| First Bank | $355,000 | $175,000 | -50.7% | 0.0% |
| InterBank | $175,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $830,000 | $165,000 | -80.1% | 0.0% |
| Texas Bank | $65,000 | $165,000 | 153.8% | 0.0% |
| TEXANS | $615,000 | $155,000 | -74.8% | 0.0% |
| United Heritage Credit Union | $210,000 | $155,000 | -26.2% | 0.0% |
| EECU | $375,000 | $140,000 | -62.7% | 0.0% |
| ENERGY CAPITAL CREDIT UNION | $135,000 | n/a | 0.0% | |
| LIBERTYONE Credit Union | $75,000 | $135,000 | 80.0% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $405,000 | $135,000 | -66.7% | 0.0% |
| Preston Home Loans Inc | $135,000 | n/a | 0.0% | |
| STANDARD MORTGAGE CORPORATION | $135,000 | n/a | 0.0% | |
| Cooperative Teachers Credit Union | $385,000 | $120,000 | -68.8% | 0.0% |
| FirstBank | $115,000 | n/a | 0.0% | |
| Encompass Lending Group, LP | $340,000 | $105,000 | -69.1% | 0.0% |
| PLANET HOME LENDING, LLC | $265,000 | $105,000 | -60.4% | 0.0% |
| SPRING EQ, LLC | $105,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $105,000 | n/a | 0.0% | |
| Ally Bank | $75,000 | n/a | 0.0% | |
| DATCU | $235,000 | $75,000 | -68.1% | 0.0% |
| CSL Financial, LLC | $65,000 | n/a | 0.0% | |
| LOANPAL, LLC | $285,000 | $65,000 | -77.2% | 0.0% |
| MOBILOIL | $65,000 | n/a | 0.0% | |
| Figure Lending LLC | $55,000 | n/a | 0.0% | |
| BOKF | $740,000 | $45,000 | -93.9% | 0.0% |
| CHEVRON | $45,000 | n/a | 0.0% | |
| FORT WORTH COMMUNITY | $35,000 | n/a | 0.0% |
Athens's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 5.0% market share. In second place, with 4.8%, is QUICKEN LOANS, LLC, having originated $22,900,000 in loans. In third place, with 3.5%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $16,615,000 in loans. In fourth place, with 2.7%, is WILLOW BEND MORTGAGE COMPANY, LLC, having originated $12,930,000 in loans. In fifth place, with 2.7%, is JPMorgan Chase Bank, having originated $12,750,000 in loans.
Athens, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,173 | $353,855,000 | $301,667 |
| Refi | 171 | $55,165,000 | $322,602 |
| Cash Out Refi | 133 | $36,755,000 | $276,353 |
| Other | 90 | $23,430,000 | $260,333 |
| Home Improvement | 57 | $9,555,000 | $167,632 |
Athens's most frequently cited loan purpose was Home Purchase, with 1,173 originations. The 2nd most popular reason was Refi, with 171 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 571 | $189,165,000 | $331,287 |
| 7-8% | 417 | $129,275,000 | $310,012 |
| Over 8% | 285 | $52,455,000 | $184,053 |
| 5-6% | 175 | $56,875,000 | $325,000 |
| 4-5% | 26 | $11,850,000 | $455,769 |
| <2.5% | 19 | $95,000 | $5,000 |
| 3-4% | 3 | $765,000 | $255,000 |
During 2024, Athens's most frequently originated rate bucket was 6-7%, with 571 originations.
Loan Sizing (Athens, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 595 | $164,105,000 | $275,807 |
| $100k-200k | 515 | $77,025,000 | $149,563 |
| $100,000 or less | 227 | $13,845,000 | $60,991 |
| $400k-600k | 146 | $71,180,000 | $487,534 |
| $600k-1000k | 86 | $63,200,000 | $734,884 |
| $Over $1MM | 55 | $89,405,000 | $1,625,545 |
Athens's loan sizing saw the bucket of loans from $200k-400k with 595 originations, totaling $164,105,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 680 | $193,250,000 | $284,191 |
| 60-80% | 413 | $158,705,000 | $384,274 |
| 40-60% | 167 | $46,605,000 | $279,072 |
| 20-40% | 98 | $19,830,000 | $202,347 |
| Under 20% | 98 | $5,210,000 | $53,163 |
| Over 100% | 30 | $11,200,000 | $373,333 |
Athens's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 680 originations, totaling $193,250,000 in origination value.