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 6.89% for the week of 2023-11-30, compared to the national average of 7.22% for the same period.

The average rate for the prior week (2023-11-22) was 7.06% and one month ago for the week of 2023-10-26, the average rate was 7.46%.

Athens's average rate one year ago was 6.35%.

For refis of the same type during the week of 2023-11-30, the average rate was 7.08%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-11-30 7.22%
Athens 30 Year Fixed Rate 2023-11-30 6.89%
Athens 30 Year Fixed Rate Refi 2023-11-30 7.08%
Athens 15 Year Fixed Rate 2023-11-30 6.46%
Athens 15 Year Fixed Rate Refi 2023-11-30 6.56%
Athens 30 Year FHA 2023-11-30 6.68%
Athens 30 Year FHA Refi 2023-11-30 6.95%
Athens 30 Year USDA 2023-11-30 7.1%
Athens 30 Year USDA Refi 2023-11-30 6.8%
Athens 30 Year VA 2023-11-30 6.6%
Athens 30 Year VA Refi 2023-11-30 6.67%
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 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.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
QUICKEN LOANS, LLC 80 5.03% $6,414
UNITED WHOLESALE MORTGAGE, LLC 50 5.20% $6,599
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 40 5.02% $7,510
LOANDEPOT.COM, LLC 32 5.48% $7,757
JPMorgan Chase Bank 23 4.66% $8,996
LEADERONE FINANCIAL CORPORATION 22 5.11% $8,187
CALIBER HOME LOANS, INC. 22 5.36% $8,503
Prosperity Bank 20 4.03% $4,843
Wells Fargo Bank 20 4.52% $7,323
EVERETT FINANCIAL, INC. 18 5.49% $3,575
CARDINAL FINANCIAL 18 5.09% $8,688
VeraBank 17 4.51% $4,655
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 14 4.99% $10,576
INTEGRITY MORTGAGE CORPORATION OF TEXAS 14 5.25% $6,491
FINANCE OF AMERICA MORTGAGE LLC 13 4.57% $5,920
CMG MORTGAGE, INC. 12 5.65% $6,390
Mr. Cooper ( Nationstar Mortgage ) 11 4.69% $8,519
ASPIRE FINANCIAL, INC. 11 5.63% $6,414
Hometown Lenders, Inc. 11 4.85% $4,637
Citizens Bank 11 4.64% $7,835
Gateway First Bank 10 4.96% $7,231
ALTRA 10 5.43% $4,915
Prosperity Home Mortgage, LLC 10 5.21% $7,343
BancorpSouth 10 4.44% $5,552
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 10 5.51% $6,342
First United Bank and Trust Company 10 5.29% $7,861
Bank of America 9 3.61% $9,194
Flagstar Bank, FSB 9 4.69% $6,163
GUILD MORTGAGE COMPANY 9 5.23% $7,684
TEXAS TRUST 9 4.61% $2,284
SFMC, LP 9 5.36% $8,681
AMCAP MORTGAGE, LTD. 8 5.17% $10,077
MORTGAGE FINANCIAL SERVICES, LLC 8 5.20% $9,180
Truist 8 4.73% $7,525
NATIONS RELIABLE LENDING, LLC 8 5.17% $7,383
THRIVE MORTGAGE, LLC 8 5.48% $8,877
ROYAL UNITED MORTGAGE LLC 7 5.25% $8,306
NexBank 7 4.88% $10,839
PENNYMAC LOAN SERVICES, LLC 7 4.86% $8,143
Southside Bank 7 4.55% $3,511
CHURCHILL MORTGAGE CORPORATION 7 5.52% $6,070
PRIMELENDING, A PLAINSCAPITAL COMPANY 7 5.04% $8,820
CORNERSTONE HOME LENDING, INC. 6 5.75% $12,236
ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 4.39% $7,130
The American National Bank of Texas 6 4.85% $7,214
FIDELITY BANK 6 5.06% $7,385
GUARANTEED RATE, INC. 6 4.42% $9,498
Origin Bank 5 5.25% $7,158
MID AMERICA MORTGAGE, INC. 5 4.85% $9,643
Morgan Stanley Private Bank 5 3.85% $9,792
U.S. Bank 5 3.65% $6,948
BROKER SOLUTIONS, INC. 5 4.62% $6,629
Austin Bank, Texas 5 4.94% $5,058
SWBC MORTGAGE CORPORATION 5 4.18% $5,954
First Bank 4 4.94% $7,603
MOVEMENT MORTGAGE, LLC 4 4.67% $5,939
CROSSCOUNTRY MORTGAGE, LLC 4 5.20% $8,249
First Financial Bank 4 5.46% $6,387
First Guaranty Mortgage Corporation 4 4.44% $6,675
BETTER MORTGAGE CORPORATION 4 3.72% $8,693
First National Bank 4 4.16% $8,083
Paramount Residential Mortgage Group, Inc. 4 5.09% $4,927
NTFN, INC. 4 5.47% $6,878
WILLOW BEND MORTGAGE COMPANY, LLC 4 4.97% $8,761
ANGEL OAK MORTGAGE SOLUTIONS LLC 4 7.06% $11,839
KELLY COMMUNITY FEDERAL CREDIT UNION 4 3.68% $1,826
SOUTHWEST FUNDING, LP 4 6.19% $10,189
NEWREZ LLC 4 4.62% $7,729
AmeriHome Mortgage Company, LLC 4 4.72% $6,997
AMERISAVE MORTGAGE CORPORATION 4 4.62% $5,562
ACADEMY MORTGAGE CORPORATION 4 4.97% $4,887
HOME POINT FINANCIAL CORPORATION 4 3.88% $12,463
21ST MORTGAGE CORPORATION 4 6.51% $6,824
S1L, Inc. 3 4.38% $5,754
Watermark Capital, Inc. 3 4.54% $7,250
Texas Bank and Trust Company 3 3.96% $6,094
Citibank 3 2.79% $7,514
CHERRY CREEK MORTGAGE, LLC 3 5.13% $717
Northpointe Bank 3 5.08% $16,919
NBH Bank 3 4.87% $2,440
KELLER MORTGAGE, LLC 3 3.96% $5,479
NAVY FEDERAL CREDIT UNION 3 5.83% $7,311
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 5.83% $8,142
Simmons Bank 3 5.13% $7,101
American Bank of Oklahoma 3 5.71% $4,796
Inwood National Bank 2 3.49% $5,480
AMERICAN INTERNET MORTGAGE, INC. 2 3.81% $4,163
AMERICAN PACIFIC MORTGAGE CORPORATION 2 5.06% $6,631
Charles Schwab Bank, SSB 2 3.44% $1,942
Chicago Mortgage Solutions LLC 2 4.09% $2,938
City Bank 2 4.81% $8,078
EECU 2 3.88% $3,827
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 5.19% $8,413
Farm Credit Mid-America, ACA 2 5.00% $6,792
FIRST COMMUNITY CREDIT UNION 2 4.31% $9,949
FREEDOM MORTGAGE CORPORATION 2 6.13% $4,557
GUARANTEED RATE AFFINITY, LLC 2 5.56% $4,639
HOMESIDE FINANCIAL, LLC 2 4.68% $9,383
LAKEVIEW LOAN SERVICING, LLC 2 5.13% $5,072
Mortgage Research Center, LLC 2 5.99% $8,548
Paramount Bank 2 3.94% $5,455
PLANET HOME LENDING, LLC 2 6.12% $5,524
PNC Bank 2 3.50% $5,597
Raymond James Bank 2 3.25% $7,552
RELIANCE FIRST CAPITAL, LLC 2 7.06% $11,047
Stifel Bank and Trust 2 3.56% $4,832
Sunflower Bank 2 5.13% $5,962
Texas Mortgage Lending, LLC 2 5.06% $5,939
THE MORTGAGE LINK, INC. 2 4.81% $5,893
TIB The Independent Bankersbank 2 3.50% $4,167
Town Square Mortgage & Investments, Inc. 2 5.69% $4,992
UNITED MORTGAGE CORP 2 5.44% $11,209
UNIVERSITY Federal Credit Union 2 4.27% $5,273
VAN DYK MORTGAGE CORPORATION 2 6.13% $6,596
Veritex Community Bank 2 5.13% $15,236
Great Plains National Bank 1 5.13% $3,213
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 5.75% $14,795
Florida Capital Bank 1 3.13% $7,400
OPEN MORTGAGE, LLC 1 5.88% $4,419
First Option Mortgage, LLC 1 4.50% $5,459
UNION SQUARE 1 5.75% $3,565
First National Bank Texas 1 4.50% $5,454
First National Bank of Omaha 1 6.63% $4,201
PHH Mortgage Corporation 1 5.00% $6,814
Plains Commerce Bank 1 6.00% $7,155
United Fidelity Funding Corp. 1 4.25% $7,484
A+ Federal Credit Union 1 2.88% $3,893
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.99% $4,674
First Internet Bank of Indiana 1 3.38% $3,646
First Horizon Bank 1 4.50% $7,031
First-Citizens Bank & Trust Company 1 3.08% $8,689
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 5.88% $9,521
RANDOLPH-BROOKS 1 5.75% $770
Barrington Bank & Trust Company, N.A. 1 5.13% $13,424
Regions Bank 1 5.63% $6,071
ACOPIA, LLC 1 5.63% $4,754
RelyOn Credit Union 1 6.13% $5,412
Encompass Lending Group, LP 1 4.50% $10,712
EASTMAN 1 6.25% $5,655
SANDIA AREA 1 3.88% $8,837
SECURITYNATIONAL MORTGAGE COMPANY 1 5.62% $4,785
DRAPER AND KRAMER MORTGAGE CORP. 1 4.75% $5,347
DEEPHAVEN MORTGAGE LLC 1 6.88% $19,171
Community First National Bank 1 6.25% $5,915
Commercial Bank of Texas 1 6.25% $4,426
USAA Federal Savings Bank 1 6.25% $4,067
Strong Home Mortgage, LLC 1 3.88% $3,950
AXIA FINANCIAL, LLC 1 3.25% $11,545
SUN WEST MORTGAGE COMPANY, INC. 1 5.88% $11,071
Commerce Home Mortgage, Inc. 1 4.13% $6,643
Comerica Bank 1 7.13% $3,864
Wyndham Capital Mortgage, Inc. 1 6.13% $11,214
Colonial Savings, F.A. 1 4.25% $2,009
CITIZENS EQUITY FIRST 1 4.00% $0
The Home Loan Expert LLC 1 4.50% $8,507
THE MORTGAGE FIRM, INC. 1 3.99% $5,842
Arvest Bank 1 6.00% $4,944
The Northern Trust Company 1 3.50% $10,297
Carrington Mortgage Services, LLC 1 3.88% $5,908
ZILLOW HOME LOANS, LLC 1 3.25% $4,058
TOGETHER CREDIT UNION 1 2.99% $3,313
AMERICAN FINANCING CORPORATION 1 5.75% $7,643
Trinity Oaks Mortgage, LLC 1 4.75% $4,501
BOKF 1 4.38% $5,384
UBS Bank USA 1 4.50% $10,537
Loan Simple, Inc. 1 3.99% $5,352
MEMBER ADVANTAGE MORTGAGE, LLC 1 4.13% $5,536
METROPLEX MORTGAGE SERVICES, INC. 1 5.00% $4,639
LOANPAL, LLC 1 6.99% $6,025
LHM FINANCIAL CORPORATION 1 3.25% $3,904
INFINITY MORTGAGE HOLDINGS, LLC 1 4.00% $5,246
UNION HOME MORTGAGE CORP. 1 5.63% $7,682
HOMEXPRESS MORTGAGE CORP. 1 8.63% $4,891
HOMETRUST MORTGAGE COMPANY 1 4.13% $5,042
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 5.00% $12,173
HIGHLAND HOMELOANS, LLC 1 4.13% $7,746
GUARANTY HOME MORTGAGE CORPORATION 1 5.38% $7,584
NBKC BANK 1 4.13% $3,484
Neighborhood Loans, Inc. 1 6.13% $2,739
Network Funding, L.P. 1 4.50% $16,390
GSF Mortgage Corporation 1 4.25% $19,882

Athens Average Closing Costs & Other Stats

Athens, TX's 181 lenders originated 2,152 loans during 2022. The total origination value was $639,620,000, with an average loan value of $297,221.

Athens's average closing costs are $6,001.

The top Athens lender as defined by loan originations is QUICKEN LOANS, LLC, with 80 loans originated. Their average total fees are $6,414, which is $185 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Athens lenders (with over 10 loans originated) are EVERETT FINANCIAL, INC. ($3,575), Hometown Lenders, Inc. ($4,637), VeraBank ($4,655), Prosperity Bank ($4,843) and ALTRA ($4,915).

The lowest rate Athens lenders (with over 10 loans originated) are Prosperity Bank (4.03%), BancorpSouth (4.44%), VeraBank (4.51%), Wells Fargo Bank (4.52%) and FINANCE OF AMERICA MORTGAGE LLC (4.57%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
First State Bank $955,000 $29,970,000 3,038.2% 4.7%
QUICKEN LOANS, LLC $39,300,000 $27,985,000 -28.8% 4.4%
JPMorgan Chase Bank $8,520,000 $23,715,000 178.3% 3.7%
UNITED WHOLESALE MORTGAGE, LLC $30,070,000 $17,055,000 -43.3% 2.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $17,255,000 $16,515,000 -4.3% 2.6%
VeraBank $16,030,000 $16,230,000 1.2% 2.5%
Simmons Bank $1,430,000 $14,705,000 928.3% 2.3%
Prosperity Bank $22,360,000 $14,460,000 -35.3% 2.3%
Wells Fargo Bank $9,080,000 $14,375,000 58.3% 2.2%
LOANDEPOT.COM, LLC $13,725,000 $12,350,000 -10.0% 1.9%
LEADERONE FINANCIAL CORPORATION $20,245,000 $11,875,000 -41.3% 1.9%
Veritex Community Bank $22,350,000 $10,750,000 -51.9% 1.7%
Bank of America $16,825,000 $10,190,000 -39.4% 1.6%
The American National Bank of Texas $5,810,000 $9,390,000 61.6% 1.5%
CALIBER HOME LOANS, INC. $10,185,000 $9,035,000 -11.3% 1.4%
21ST MORTGAGE CORPORATION $9,425,000 $8,995,000 -4.6% 1.4%
EVERETT FINANCIAL, INC. $1,560,000 $8,330,000 434.0% 1.3%
Mortgage Research Center, LLC $6,145,000 $8,120,000 32.1% 1.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $9,710,000 $7,785,000 -19.8% 1.2%
The City National Bank of Sulphur Springs $1,475,000 $7,660,000 419.3% 1.2%
First United Bank and Trust Company $6,545,000 $6,680,000 2.1% 1.0%
Gateway First Bank $14,700,000 $6,530,000 -55.6% 1.0%
NexBank $2,450,000 $6,505,000 165.5% 1.0%
AMCAP MORTGAGE, LTD. $5,350,000 $6,165,000 15.2% 1.0%
Morgan Stanley Private Bank $815,000 $6,120,000 650.9% 1.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $8,735,000 $5,960,000 -31.8% 0.9%
BancorpSouth Bank $7,180,000 $5,725,000 -20.3% 0.9%
FINANCE OF AMERICA MORTGAGE LLC $4,675,000 $5,710,000 22.1% 0.9%
CMG MORTGAGE, INC. $5,960,000 $5,650,000 -5.2% 0.9%
Austin Bank, Texas $5,415,000 $5,155,000 -4.8% 0.8%
Truist $8,600,000 $5,085,000 -40.9% 0.8%
GUARANTEED RATE, INC. $7,250,000 $5,055,000 -30.3% 0.8%
First Bankers Trust Company $5,005,000 n/a 0.8%
Zions Bancorporation, N.A. $1,035,000 $4,595,000 344.0% 0.7%
INTEGRITY MORTGAGE CORPORATION OF TEXAS $4,120,000 $4,585,000 11.3% 0.7%
GUILD MORTGAGE COMPANY $10,170,000 $4,510,000 -55.7% 0.7%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $6,560,000 $4,470,000 -31.9% 0.7%
ALTRA $4,975,000 $4,460,000 -10.4% 0.7%
Texas Bank and Trust Company $2,840,000 $4,305,000 51.6% 0.7%
PENNYMAC LOAN SERVICES, LLC $7,855,000 $4,280,000 -45.5% 0.7%
Inwood National Bank $1,765,000 $4,015,000 127.5% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $7,065,000 $3,910,000 -44.7% 0.6%
First Financial Bank $1,680,000 $3,735,000 122.3% 0.6%
Southside Bank $8,645,000 $3,730,000 -56.9% 0.6%
NATIONS RELIABLE LENDING, LLC $1,675,000 $3,625,000 116.4% 0.6%
MORTGAGE FINANCIAL SERVICES, LLC $6,490,000 $3,580,000 -44.8% 0.6%
CIVIC FINANCIAL SERVICES, LLC $700,000 $3,575,000 410.7% 0.6%
Citizens Bank $3,280,000 $3,545,000 8.1% 0.6%
Citibank $3,475,000 n/a 0.5%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,020,000 $3,435,000 236.8% 0.5%
Origin Bank $740,000 $3,315,000 348.0% 0.5%
THRIVE MORTGAGE, LLC $3,190,000 $3,255,000 2.0% 0.5%
U.S. Bank $3,145,000 $3,235,000 2.9% 0.5%
Flagstar Bank, FSB $3,465,000 $3,230,000 -6.8% 0.5%
CORNERSTONE HOME LENDING, INC. $2,020,000 $3,200,000 58.4% 0.5%
ASPIRE FINANCIAL, INC. $10,715,000 $3,100,000 -71.1% 0.5%
BROKER SOLUTIONS, INC. $1,355,000 $3,065,000 126.2% 0.5%
Prosperity Home Mortgage, LLC $3,175,000 $2,795,000 -12.0% 0.4%
SOUTHWEST STAGE FUNDING, LLC $2,640,000 $2,700,000 2.3% 0.4%
SFMC, LP $6,430,000 $2,685,000 -58.2% 0.4%
MID AMERICA MORTGAGE, INC. $4,825,000 $2,670,000 -44.7% 0.4%
VANDERBILT MORTGAGE AND FINANCE, INC. $3,045,000 $2,630,000 -13.6% 0.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $5,825,000 $2,580,000 -55.7% 0.4%
BOKF $6,195,000 $2,490,000 -59.8% 0.4%
CROSSCOUNTRY MORTGAGE, LLC $3,330,000 $2,485,000 -25.4% 0.4%
FIDELITY BANK $1,645,000 $2,480,000 50.8% 0.4%
Hometown Lenders, Inc. $7,410,000 $2,475,000 -66.6% 0.4%
FREEDOM MORTGAGE CORPORATION $9,715,000 $2,470,000 -74.6% 0.4%
SOUTHWEST FUNDING, LP $885,000 $2,460,000 178.0% 0.4%
CrossFirst Bank $345,000 $2,445,000 608.7% 0.4%
WILLOW BEND MORTGAGE COMPANY, LLC $4,790,000 $2,325,000 -51.5% 0.4%
TEXAS TRUST $2,685,000 $2,315,000 -13.8% 0.4%
First National Bank $6,675,000 $2,305,000 -65.5% 0.4%
SWBC MORTGAGE CORPORATION $4,205,000 $2,295,000 -45.4% 0.4%
North Dallas Bank & Trust Co. $2,280,000 n/a 0.4%
S1L, Inc. $1,405,000 $2,250,000 60.1% 0.4%
CHURCHILL MORTGAGE CORPORATION $905,000 $2,185,000 141.4% 0.3%
OAKTREE FUNDING CORP. $2,155,000 n/a 0.3%
RANDOLPH-BROOKS $200,000 $2,145,000 972.5% 0.3%
LENDINGHOME FUNDING CORPORATION $870,000 $2,090,000 140.2% 0.3%
Town Square Mortgage & Investments, Inc. $1,450,000 $2,070,000 42.8% 0.3%
Barrington Bank & Trust Company, N.A. $1,155,000 $2,050,000 77.5% 0.3%
AMERISAVE MORTGAGE CORPORATION $3,710,000 $1,990,000 -46.4% 0.3%
PNC Bank $1,200,000 $1,905,000 58.8% 0.3%
SUN WEST MORTGAGE COMPANY, INC. $550,000 $1,865,000 239.1% 0.3%
Strong Home Mortgage, LLC $450,000 $1,830,000 306.7% 0.3%
BETTER MORTGAGE CORPORATION $3,530,000 $1,825,000 -48.3% 0.3%
HOME POINT FINANCIAL CORPORATION $5,855,000 $1,785,000 -69.5% 0.3%
MOVEMENT MORTGAGE, LLC $435,000 $1,735,000 298.9% 0.3%
ROYAL UNITED MORTGAGE LLC $1,290,000 $1,735,000 34.5% 0.3%
Arvest Bank $1,705,000 n/a 0.3%
Raymond James Bank $1,165,000 $1,660,000 42.5% 0.3%
Texas National Bank of Jacksonville $870,000 $1,645,000 89.1% 0.3%
Watermark Capital, Inc. $2,045,000 $1,575,000 -23.0% 0.2%
AmeriHome Mortgage Company, LLC $940,000 $1,530,000 62.8% 0.2%
Northpointe Bank $75,000 $1,510,000 1,913.3% 0.2%
Affiliated Bank $475,000 $1,505,000 216.8% 0.2%
Comerica Bank $480,000 $1,505,000 213.5% 0.2%
First Bank $3,295,000 $1,455,000 -55.8% 0.2%
1ST SIGNATURE LENDING, LLC $1,450,000 n/a 0.2%
KELLY COMMUNITY FEDERAL CREDIT UNION $910,000 $1,420,000 56.0% 0.2%
NTFN, INC. $2,060,000 $1,410,000 -31.6% 0.2%
NAVY FEDERAL CREDIT UNION $2,250,000 $1,405,000 -37.6% 0.2%
Paramount Residential Mortgage Group, Inc. $1,585,000 $1,405,000 -11.4% 0.2%
ANGEL OAK MORTGAGE SOLUTIONS LLC $755,000 $1,400,000 85.4% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,205,000 $1,340,000 -39.2% 0.2%
FIRST NATIONAL BANK OF WEATHERFORD $1,245,000 n/a 0.2%
American National Bank & Trust $2,425,000 $1,235,000 -49.1% 0.2%
Regions Bank $1,335,000 $1,220,000 -8.6% 0.2%
Stifel Bank and Trust $755,000 $1,210,000 60.3% 0.2%
Credit Union of Texas $80,000 $1,200,000 1,400.0% 0.2%
Sunflower Bank $2,015,000 $1,180,000 -41.4% 0.2%
Cooperative Teachers Credit Union $820,000 $1,175,000 43.3% 0.2%
KELLER MORTGAGE, LLC $1,345,000 $1,160,000 -13.8% 0.2%
The Northern Trust Company $865,000 $1,155,000 33.5% 0.2%
AMERICAN HERITAGE LENDING, INC. $1,145,000 n/a 0.2%
ACADEMY MORTGAGE CORPORATION $4,065,000 $1,135,000 -72.1% 0.2%
RF Renovo Management Company, LLC $1,135,000 n/a 0.2%
VAN DYK MORTGAGE CORPORATION $805,000 $1,120,000 39.1% 0.2%
UBS Bank USA $1,350,000 $1,115,000 -17.4% 0.2%
UNIVERSITY Federal Credit Union $1,105,000 n/a 0.2%
Texas Regional Bank $1,085,000 n/a 0.2%
UNITED BUILT HOMES, L.L.C. $675,000 $1,080,000 60.0% 0.2%
HOMESIDE FINANCIAL, LLC $700,000 $1,075,000 53.6% 0.2%
Texas Bank $1,065,000 n/a 0.2%
City Bank $3,240,000 $1,055,000 -67.4% 0.2%
TRIAD FINANCIAL SERVICES, INC. $1,640,000 $1,055,000 -35.7% 0.2%
LAKEVIEW LOAN SERVICING, LLC $3,880,000 $1,000,000 -74.2% 0.2%
NEWREZ LLC $3,085,000 $995,000 -67.7% 0.2%
Colonial Savings, F.A. $2,020,000 $990,000 -51.0% 0.2%
Plains Commerce Bank $980,000 n/a 0.2%
USAA Federal Savings Bank $1,155,000 $970,000 -16.0% 0.2%
American Bank of Oklahoma $955,000 n/a 0.1%
First-Citizens Bank & Trust Company $955,000 n/a 0.1%
Commerce Home Mortgage, Inc. $205,000 $910,000 343.9% 0.1%
NBH Bank $900,000 n/a 0.1%
Centennial Bank $895,000 n/a 0.1%
First Guaranty Mortgage Corporation $1,960,000 $880,000 -55.1% 0.1%
Commercial Bank of Texas $300,000 $850,000 183.3% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $850,000 n/a 0.1%
FIRST COMMUNITY CREDIT UNION $830,000 n/a 0.1%
GSF Mortgage Corporation $830,000 n/a 0.1%
Texas Mortgage Lending, LLC $990,000 $825,000 -16.7% 0.1%
CHERRY CREEK MORTGAGE, LLC $1,300,000 $815,000 -37.3% 0.1%
Charles Schwab Bank, SSB $525,000 $800,000 52.4% 0.1%
Incommons Bank, N.A. $800,000 n/a 0.1%
AMERICAN ADVISORS GROUP $480,000 $795,000 65.6% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,040,000 $775,000 -25.5% 0.1%
THE MORTGAGE LINK, INC. $765,000 n/a 0.1%
American Airlines Federal Credit Union $290,000 $760,000 162.1% 0.1%
First Internet Bank of Indiana $750,000 n/a 0.1%
FINANCE OF AMERICA REVERSE LLC $535,000 $740,000 38.3% 0.1%
BTH Bank $680,000 $735,000 8.1% 0.1%
Loan Simple, Inc. $735,000 $725,000 -1.4% 0.1%
First Horizon Bank $2,740,000 $710,000 -74.1% 0.1%
Frost Bank $750,000 $705,000 -6.0% 0.1%
Paramount Bank $675,000 $685,000 1.5% 0.1%
UNION HOME MORTGAGE CORP. $2,130,000 $685,000 -67.8% 0.1%
ZILLOW HOME LOANS, LLC $655,000 $650,000 -0.8% 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $645,000 n/a 0.1%
Security State Bank & Trust $645,000 n/a 0.1%
Lamar National Bank $860,000 $630,000 -26.7% 0.1%
PlainsCapital Bank $615,000 n/a 0.1%
American State Bank $355,000 $610,000 71.8% 0.1%
EUSTIS AND AMERICAN MORTGAGE COMPANY $880,000 $610,000 -30.7% 0.1%
Nations Lending Corporation $705,000 $610,000 -13.5% 0.1%
PLAZA HOME MORTGAGE, INC. $905,000 $610,000 -32.6% 0.1%
Chicago Mortgage Solutions LLC $1,335,000 $595,000 -55.4% 0.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $590,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $590,000 n/a 0.1%
Armstrong Bank $585,000 n/a 0.1%
UNITED MORTGAGE CORP. $920,000 $580,000 -37.0% 0.1%
PHH Mortgage Corporation $575,000 n/a 0.1%
Farm Credit Mid-America, ACA $1,850,000 $570,000 -69.2% 0.1%
First Savings Bank $560,000 n/a 0.1%
HomeBank Texas $125,000 $555,000 344.0% 0.1%
CERTAINTY HOME LOANS, LLC $1,030,000 $540,000 -47.6% 0.1%
Carrington Mortgage Services, LLC $1,460,000 $535,000 -63.4% 0.1%
Citizens 1st Bank $2,795,000 $535,000 -80.9% 0.1%
AXIA FINANCIAL, LLC $505,000 n/a 0.1%
Network Funding, L.P. $1,255,000 $505,000 -59.8% 0.1%
Third Coast Bank SSB $500,000 n/a 0.1%
DEEPHAVEN MORTGAGE LLC $485,000 n/a 0.1%
SECURITY SERVICE $770,000 $465,000 -39.6% 0.1%
UBank $65,000 $465,000 615.4% 0.1%
PLANET HOME LENDING, LLC $395,000 $460,000 16.5% 0.1%
CERTIFIED FUNDING, L.P. $610,000 $445,000 -27.0% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $850,000 $440,000 -48.2% 0.1%
Citizens Bank & Trust Company of Vivian, Louisiana $395,000 $435,000 10.1% 0.1%
GUARANTY HOME MORTGAGE CORPORATION $410,000 $435,000 6.1% 0.1%
TOWNE MORTGAGE COMPANY $425,000 n/a 0.1%
THE MORTGAGE FIRM, INC. $415,000 n/a 0.1%
AMERICA'S CHOICE HOME LOANS LP $2,745,000 $410,000 -85.1% 0.1%
Ennis State Bank $990,000 $405,000 -59.1% 0.1%
Equity Prime Mortgage LLC $405,000 n/a 0.1%
HOMETRUST MORTGAGE COMPANY $245,000 $405,000 65.3% 0.1%
TIB The Independent Bankersbank $3,355,000 $400,000 -88.1% 0.1%
MEMBER ADVANTAGE MORTGAGE, LLC $395,000 n/a 0.1%
SANDIA AREA $395,000 n/a 0.1%
GUARANTEED RATE AFFINITY, LLC $195,000 $390,000 100.0% 0.1%
EECU $240,000 $380,000 58.3% 0.1%
Amerifirst Financial, Inc. $405,000 $365,000 -9.9% 0.1%
HIGHLAND HOMELOANS, LLC $470,000 $365,000 -22.3% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $370,000 $360,000 -2.7% 0.1%
COUNTRYPLACE MORTGAGE, LTD. $1,350,000 $355,000 -73.7% 0.1%
Hometown Equity Mortgage, LLC $355,000 n/a 0.1%
North American Savings Bank, F.S.B. $1,345,000 $355,000 -73.6% 0.1%
OPEN MORTGAGE, LLC $95,000 $350,000 268.4% 0.1%
BECKAM FUNDING CORP. $345,000 n/a 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $215,000 $345,000 60.5% 0.1%
International Bank of Commerce $875,000 $345,000 -60.6% 0.1%
MORIA DEVELOPMENT, INC. $630,000 $345,000 -45.2% 0.1%
Wyndham Capital Mortgage, Inc. $1,025,000 $345,000 -66.3% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $315,000 $340,000 7.9% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $660,000 $340,000 -48.5% 0.1%
A+ Federal Credit Union $350,000 $335,000 -4.3% 0.1%
Independent Bank $3,910,000 $335,000 -91.4% 0.1%
Southwest Airlines Federal Credit Union $335,000 n/a 0.1%
SPRING EQ, LLC $320,000 n/a 0.1%
CITIZENS EQUITY FIRST $315,000 n/a 0.0%
First National Bank of Omaha $135,000 $315,000 133.3% 0.0%
The Home Loan Expert LLC $315,000 n/a 0.0%
BNC National Bank $305,000 n/a 0.0%
STOCKTON MORTGAGE CORPORATION $305,000 n/a 0.0%
NETWORK CAPITAL FUNDING CORPORATION $300,000 n/a 0.0%
Assurance Financial Group, L.L.C. $295,000 n/a 0.0%
First Option Mortgage, LLC $135,000 $295,000 118.5% 0.0%
LONGBRIDGE FINANCIAL, LLC $305,000 $295,000 -3.3% 0.0%
EASTMAN $310,000 $270,000 -12.9% 0.0%
A&D Mortgage LLC $265,000 n/a 0.0%
HALLMARK HOME MORTGAGE, LLC $265,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $715,000 $260,000 -63.6% 0.0%
LHM FINANCIAL CORPORATION $835,000 $260,000 -68.9% 0.0%
AMWEST FUNDING CORP. $425,000 $255,000 -40.0% 0.0%
LENDINGONE, LLC $255,000 n/a 0.0%
Tradition Capital Bank $255,000 n/a 0.0%
Florida Capital Bank $245,000 n/a 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $685,000 $240,000 -65.0% 0.0%
GENEVA FINANCIAL, LLC $235,000 n/a 0.0%
INFINITY MORTGAGE HOLDINGS, LLC $1,045,000 $235,000 -77.5% 0.0%
T2 FINANCIAL LLC $245,000 $235,000 -4.1% 0.0%
DOMINION FINANCIAL SERVICES, LLC $225,000 n/a 0.0%
HOMEXPRESS MORTGAGE CORP. $165,000 $225,000 36.4% 0.0%
UNION SQUARE $225,000 n/a 0.0%
EAST TEXAS PROFESSIONAL Credit Union $570,000 $220,000 -61.4% 0.0%
MICHIGAN MUTUAL, INC. $135,000 $220,000 63.0% 0.0%
American Mortgage & Equity Consultants, Inc. $215,000 n/a 0.0%
ENVOY MORTGAGE, LTD $215,000 n/a 0.0%
NBKC BANK $1,045,000 $215,000 -79.4% 0.0%
ALL REVERSE MORTGAGE, INC. $205,000 n/a 0.0%
METROPLEX MORTGAGE SERVICES, INC. $205,000 n/a 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $125,000 $205,000 64.0% 0.0%
VILLAGE CAPITAL MORTGAGE $1,620,000 $205,000 -87.3% 0.0%
Neighborhood Loans, Inc. $200,000 n/a 0.0%
Midwest Mortgage Associates Corporation $195,000 n/a 0.0%
Discover Bank $220,000 $190,000 -13.6% 0.0%
First Savings Bank $190,000 n/a 0.0%
BM Real Estate Services, Inc. $185,000 n/a 0.0%
Encompass Lending Group, LP $540,000 $185,000 -65.7% 0.0%
INTERLINC MORTGAGE SERVICES, LLC $670,000 $185,000 -72.4% 0.0%
AMERICAN FINANCING CORPORATION $1,395,000 $175,000 -87.5% 0.0%
DAS Acquisition Company, LLC $960,000 $175,000 -81.8% 0.0%
First National Bank of East Texas $175,000 n/a 0.0%
Trinity Oaks Mortgage, LLC $765,000 $175,000 -77.1% 0.0%
TRUWEST Credit Union $175,000 n/a 0.0%
Vantage Bank Texas $175,000 n/a 0.0%
First National Bank Texas $330,000 $165,000 -50.0% 0.0%
Mid-Continent Funding, Inc. $165,000 n/a 0.0%
REVERSE MORTGAGE FUNDING LLC $165,000 n/a 0.0%
TOGETHER CREDIT UNION $35,000 $165,000 371.4% 0.0%
United Fidelity Funding Corp. $165,000 n/a 0.0%
InterBank $265,000 $155,000 -41.5% 0.0%
MOBILITY Credit Union $115,000 $150,000 30.4% 0.0%
Bank of England $1,415,000 $145,000 -89.8% 0.0%
Great Plains National Bank $145,000 n/a 0.0%
The First National Bank of Granbury $145,000 n/a 0.0%
GREAT WESTERN FINANCIAL SERVICES, INC. $2,050,000 $135,000 -93.4% 0.0%
Guaranty Bank & Trust, N.A. $245,000 $135,000 -44.9% 0.0%
United Community Bank $130,000 n/a 0.0%
Community First National Bank $125,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $125,000 n/a 0.0%
The First National Bank of Anson $265,000 $125,000 -52.8% 0.0%
ACOPIA, LLC $115,000 n/a 0.0%
CITY $115,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $760,000 $115,000 -84.9% 0.0%
RelyOn Credit Union $115,000 n/a 0.0%
CLEARPATH LENDING $1,005,000 $105,000 -89.6% 0.0%
First National Bank of America $105,000 n/a 0.0%
LOANPAL, LLC $1,155,000 $105,000 -90.9% 0.0%
Community National Bank & Trust of Texas $160,000 $95,000 -40.6% 0.0%
CAPITOL CREDIT UNION $85,000 n/a 0.0%
Mineola Community Bank, S.S.B. $275,000 $85,000 -69.1% 0.0%
GREATER TEXAS FEDERAL CREDIT UNION $365,000 $80,000 -78.1% 0.0%
FORT WORTH COMMUNITY $65,000 $75,000 15.4% 0.0%
FirstBank $270,000 $55,000 -79.6% 0.0%
NEXUS SERIES B, LLC $55,000 n/a 0.0%
CHARTWAY FEDERAL CREDIT UNION $35,000 n/a 0.0%
Deere Employees Credit Union $35,000 n/a 0.0%

Athens's top lender by overall market share is First State Bank, with 4.7% market share. In second place, with 4.4%, is QUICKEN LOANS, LLC, having originated $27,985,000 in loans. In third place, with 3.7%, is JPMorgan Chase Bank, having originated $23,715,000 in loans. In fourth place, with 2.7%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $17,055,000 in loans. In fifth place, with 2.6%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $16,515,000 in loans.

Athens, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,396 $450,450,000 $322,672
Cash Out Refi 340 $83,560,000 $245,765
Refi 270 $71,630,000 $265,296
Other 77 $26,115,000 $339,156
Home Improvement 67 $7,165,000 $106,940
NA 2 $700,000 $350,000

Athens's most frequently cited loan purpose was Home Purchase, with 1,396 originations. The 2nd most popular reason was Cash Out Refi, with 340 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 490 $131,290,000 $267,939
4-5% 450 $156,980,000 $348,844
3-4% 409 $149,985,000 $366,711
6-7% 307 $74,205,000 $241,710
Over 8% 99 $14,295,000 $144,394
7-8% 98 $18,380,000 $187,551
2.5-3% 93 $33,975,000 $365,323
<2.5% 56 $13,230,000 $236,250

During 2022, Athens's most frequently originated rate bucket was 5-6%, with 490 originations.

Loan Sizing (Athens, TX MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 739 $202,145,000 $273,539
$100k-200k 699 $104,555,000 $149,578
$100,000 or less 325 $21,005,000 $64,631
$400k-600k 217 $104,475,000 $481,452
$600k-1000k 119 $85,595,000 $719,286
$Over $1MM 53 $121,845,000 $2,298,962

Athens's loan sizing saw the bucket of loans from $200k-400k with 739 originations, totaling $202,145,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 846 $223,090,000 $263,700
60-80% 610 $228,530,000 $374,639
40-60% 264 $93,690,000 $354,886
20-40% 169 $34,435,000 $203,757
Under 20% 90 $5,360,000 $59,556
Over 100% 25 $6,725,000 $269,000

Athens's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 846 originations, totaling $223,090,000 in origination value.