Dayton Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Dayton averaged 7.45% for the week of 2024-05-09, compared to the national average of 7.09% for the same period.

The average rate for the prior week (2024-05-02) was 7.38% and one month ago for the week of 2024-04-04, the average rate was 7.08%.

Dayton's average rate one year ago was 6.75%.

For refis of the same type during the week of 2024-05-09, the average rate was 7.09%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-05-09 7.09%
Dayton 30 Year Fixed Rate 2024-05-09 7.45%
Dayton 30 Year Fixed Rate Refi 2024-05-09 7.09%
Dayton 15 Year Fixed Rate 2024-05-09 6.28%
Dayton 15 Year Fixed Rate Refi 2024-05-09 6.38%
Dayton 30 Year FHA 2024-05-09 6.83%
Dayton 30 Year FHA Refi 2024-05-09 6.59%
Dayton 30 Year USDA 2024-05-09 6.99%
Dayton 30 Year USDA Refi 2024-05-09 6.99%
Dayton 30 Year VA 2024-05-09 6.59%
Dayton 30 Year VA Refi 2024-05-09 6.59%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Dayton, TN.

Dayton 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 Dayton, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 15 7.43% $5,793
QUICKEN LOANS, LLC 12 6.91% $6,836
Citizens Bank 10 6.51% $4,875
FIRST COMMUNITY MORTGAGE, INC. 9 6.94% $6,679
MORTGAGE INVESTORS GROUP, INC. 9 6.36% $4,851
FirstBank 7 6.89% $5,011
CMG MORTGAGE, INC. 5 6.82% $4,745
Citizens Tri-County Bank 5 6.38% $4,563
MOVEMENT MORTGAGE, LLC 4 6.40% $6,691
TENNESSEE VALLEY 4 6.94% $4,659
VANDERBILT MORTGAGE AND FINANCE, INC. 4 7.81% $5,914
STOCKTON MORTGAGE CORPORATION 4 6.66% $7,904
Farm Credit Mid-America, ACA 3 6.79% $5,772
COMMUNITY MORTGAGE CORPORATION 3 6.71% $3,993
The First National Bank of Middle Tennessee 3 6.79% $4,619
Pinnacle Bank 3 7.08% $5,703
LOANDEPOT.COM, LLC 3 6.87% $7,338
SouthEast Bank 3 6.87% $1,387
NAVY FEDERAL CREDIT UNION 2 7.25% $3,776
AmeriHome Mortgage Company, LLC 2 6.94% $4,980
GUARANTEED RATE, INC. 2 7.25% $4,972
GUILD MORTGAGE COMPANY 2 7.81% $11,487
AMERISAVE MORTGAGE CORPORATION 2 6.50% $5,085
Regions Bank 2 7.69% $6,027
Renasant Bank 2 7.13% $5,490
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.49% $10,267
ROYAL UNITED MORTGAGE LLC 2 7.38% $5,794
SUMMIT FUNDING, INC. 2 7.00% $4,954
UNION HOME MORTGAGE CORP. 2 7.56% $4,975
U.S. Bank 2 7.50% $3,397
First Citizens National Bank 2 6.93% $2,382
NexBank 1 6.50% $4,136
ORNL Federal Credit Union 1 6.63% $3,374
Paramount Residential Mortgage Group, Inc. 1 6.50% $4,705
PENNYMAC LOAN SERVICES, LLC 1 5.50% $9,652
Plains Commerce Bank 1 6.25% $2,454
PNC Bank 1 8.38% $4,391
Princeton Mortgage Corporation 1 6.50% $6,058
Prosperity Home Mortgage, LLC 1 7.63% $17,816
River Valley AgCredit, ACA 1 7.65% $8,415
Shamrock Home Loans, Inc. 1 7.63% $12,201
SmartBank 1 8.63% $2,820
The State Bank 1 7.25% $3,781
United Community Bank 1 7.75% $4,031
Wells Fargo Bank 1 7.88% $4,466
ZILLOW HOME LOANS, LLC 1 6.88% $4,334
NETWORK CAPITAL FUNDING CORPORATION 1 6.38% $16,459
AgFirst Farm Credit Bank 1 7.50% $3,259
ALAMEDA MORTGAGE CORPORATION 1 6.63% $4,613
ALTRA 1 6.93% $3,413
AMERICAN FEDERAL MORTGAGE CORPORATION 1 6.00% $3,877
AMERICAN INTERNET MORTGAGE, INC. 1 6.50% $3,078
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.99% $3,610
Bank of England 1 5.75% $11,524
Bank of Springfield 1 6.21% $3,223
BROKER SOLUTIONS, INC. 1 7.63% $7,461
Charles Schwab Bank, SSB 1 4.93% $4,145
Chattanooga Federal Emp. Credit Union 1 6.13% $3,961
CITIZENS EQUITY FIRST 1 6.38% $4,221
Countybank 1 6.00% $3,197
CROSSCOUNTRY MORTGAGE, LLC 1 7.99% $5,244
DAS Acquisition Company, LLC 1 7.63% $6,807
DEEPHAVEN MORTGAGE LLC 1 9.63% $8,414
EASTMAN 1 10.00% $4,727
EMBRACE HOME LOANS, INC. 1 7.63% $3,148
EVERETT FINANCIAL, INC. 1 8.00% $14,002
Flagstar Bank, FSB 1 7.57% $5,681
Franklin Loan Corporation 1 7.25% $5,526
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 7.63% $8,539
Independent Bank 1 6.50% $3,991
Johnson Bank 1 7.75% $7,839
KNOXVILLE TVA EMPLOYEES CREDIT UNION 1 6.75% $4,504
LEADERONE FINANCIAL CORPORATION 1 6.50% $11,447
MEMBER FIRST MORTGAGE, LLC 1 7.63% $4,033
Mortgage Research Center, LLC 1 7.25% $9,605
NBKC BANK 1 6.75% $4,214
21ST MORTGAGE CORPORATION 1 7.95% $5,960

Dayton Average Closing Costs & Other Stats

Dayton, TN's 77 lenders originated 569 loans during 2023. The total origination value was $120,345,000, with an average loan value of $211,503.

Dayton's average closing costs are $5,379.

The top Dayton lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 15 loans originated. Their average total fees are $5,793, which is $1,043 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Dayton lenders (with over 10 loans originated) are Citizens Bank ($4,875), UNITED WHOLESALE MORTGAGE, LLC ($5,793), QUICKEN LOANS, LLC ($6,836), .

The lowest rate Dayton lenders (with over 10 loans originated) are Citizens Bank (6.51%), QUICKEN LOANS, LLC (6.91%), UNITED WHOLESALE MORTGAGE, LLC (7.43%), .

Dayton, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
UNITED WHOLESALE MORTGAGE, LLC $8,075,000 $10,480,000 29.8% 8.7%
MORTGAGE INVESTORS GROUP, INC. $5,965,000 $6,400,000 7.3% 5.3%
QUICKEN LOANS, LLC $10,485,000 $6,220,000 -40.7% 5.2%
SouthEast Bank $9,105,000 $4,985,000 -45.2% 4.1%
FIRST COMMUNITY MORTGAGE, INC. $6,185,000 $4,720,000 -23.7% 3.9%
FirstBank $13,150,000 $3,755,000 -71.4% 3.1%
Regions Bank $3,145,000 $3,090,000 -1.7% 2.6%
Citizens Bank $770,000 $2,985,000 287.7% 2.5%
MOVEMENT MORTGAGE, LLC $2,770,000 $2,730,000 -1.4% 2.3%
TENNESSEE VALLEY $6,445,000 $2,510,000 -61.1% 2.1%
Pinnacle Bank $435,000 $2,025,000 365.5% 1.7%
First Citizens National Bank $185,000 $1,960,000 959.5% 1.6%
Mortgage Research Center, LLC $4,805,000 $1,940,000 -59.6% 1.6%
Renasant Bank $5,000,000 $1,850,000 -63.0% 1.5%
Citizens Tri-County Bank $2,330,000 $1,805,000 -22.5% 1.5%
VANDERBILT MORTGAGE AND FINANCE, INC. $3,515,000 $1,705,000 -51.5% 1.4%
CMG MORTGAGE, INC. $3,145,000 $1,690,000 -46.3% 1.4%
AMERICAN FINANCIAL RESOURCES, INC. $610,000 $1,615,000 164.8% 1.3%
LOANDEPOT.COM, LLC $3,805,000 $1,535,000 -59.7% 1.3%
Flagstar Bank, FSB $1,445,000 $1,350,000 -6.6% 1.1%
GUILD MORTGAGE COMPANY $105,000 $1,295,000 1,133.3% 1.1%
Simply Bank $1,705,000 $1,245,000 -27.0% 1.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,780,000 $1,190,000 -33.1% 1.0%
NAVY FEDERAL CREDIT UNION $855,000 $1,190,000 39.2% 1.0%
1ST SIGNATURE LENDING, LLC $105,000 $1,115,000 961.9% 0.9%
STOCKTON MORTGAGE CORPORATION $800,000 $1,030,000 28.8% 0.9%
AMERISAVE MORTGAGE CORPORATION $1,760,000 $1,010,000 -42.6% 0.8%
SUMMIT FUNDING, INC. $270,000 $1,010,000 274.1% 0.8%
UNION HOME MORTGAGE CORP. $255,000 $980,000 284.3% 0.8%
Charles Schwab Bank, SSB $975,000 n/a 0.8%
Equity Prime Mortgage LLC $975,000 n/a 0.8%
First National Community Bank $970,000 n/a 0.8%
Mountain Valley Bank $155,000 $955,000 516.1% 0.8%
Farm Credit Mid-America, ACA $1,540,000 $950,000 -38.3% 0.8%
EVERETT FINANCIAL, INC. $205,000 $910,000 343.9% 0.8%
SmartBank $260,000 $900,000 246.2% 0.7%
U.S. Bank $1,595,000 $875,000 -45.1% 0.7%
CROSSCOUNTRY MORTGAGE, LLC $1,155,000 $860,000 -25.5% 0.7%
COMMUNITY MORTGAGE CORPORATION $665,000 $850,000 27.8% 0.7%
LEADERONE FINANCIAL CORPORATION $545,000 $840,000 54.1% 0.7%
Bank of Cleveland $920,000 $830,000 -9.8% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $1,420,000 $775,000 -45.4% 0.6%
ORNL Federal Credit Union $395,000 $770,000 94.9% 0.6%
GUARANTEED RATE, INC. $665,000 $765,000 15.0% 0.6%
ALAMEDA MORTGAGE CORPORATION $740,000 n/a 0.6%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $975,000 $740,000 -24.1% 0.6%
MID AMERICA MORTGAGE, INC. $725,000 n/a 0.6%
FREEDOM MORTGAGE CORPORATION $1,260,000 $710,000 -43.7% 0.6%
First Horizon Bank $660,000 $705,000 6.8% 0.6%
The First National Bank of Middle Tennessee $2,650,000 $690,000 -74.0% 0.6%
United Community Bank $1,005,000 $660,000 -34.3% 0.5%
F&M Bank $655,000 n/a 0.5%
Prosperity Home Mortgage, LLC $645,000 n/a 0.5%
Y-12 Federal Credit Union $460,000 $610,000 32.6% 0.5%
Wilson Bank And Trust $55,000 $605,000 1,000.0% 0.5%
MUTUAL OF OMAHA MORTGAGE, INC. $600,000 n/a 0.5%
Nations Lending Corporation $340,000 $575,000 69.1% 0.5%
NEWREZ LLC $205,000 $545,000 165.9% 0.5%
River Valley AgCredit, ACA $675,000 $540,000 -20.0% 0.4%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $345,000 $530,000 53.6% 0.4%
Truist $1,145,000 $525,000 -54.1% 0.4%
NBKC BANK $520,000 n/a 0.4%
NETWORK CAPITAL FUNDING CORPORATION $510,000 $515,000 1.0% 0.4%
The Federal Savings Bank $695,000 $510,000 -26.6% 0.4%
Shamrock Home Loans, Inc. $495,000 n/a 0.4%
CITIZENS EQUITY FIRST $475,000 n/a 0.4%
Bank of England $195,000 $460,000 135.9% 0.4%
KNOXVILLE TVA EMPLOYEES CREDIT UNION $480,000 $460,000 -4.2% 0.4%
CARDINAL FINANCIAL $3,370,000 $450,000 -86.6% 0.4%
AmeriHome Mortgage Company, LLC $430,000 n/a 0.4%
MEMBER FIRST MORTGAGE, LLC $215,000 $420,000 95.3% 0.3%
USAA Federal Savings Bank $510,000 $395,000 -22.5% 0.3%
Andrew Johnson Bank $385,000 n/a 0.3%
HOMESIDE FINANCIAL, LLC $35,000 $385,000 1,000.0% 0.3%
Figure Lending LLC $90,000 $370,000 311.1% 0.3%
Plains Commerce Bank $515,000 $370,000 -28.2% 0.3%
Franklin Loan Corporation $365,000 n/a 0.3%
PENNYMAC LOAN SERVICES, LLC $1,775,000 $360,000 -79.7% 0.3%
ALTRA $355,000 n/a 0.3%
The State Bank $355,000 n/a 0.3%
TJC Mortgage, Inc. $3,470,000 $350,000 -89.9% 0.3%
Johnson Bank $325,000 n/a 0.3%
BROKER SOLUTIONS, INC. $640,000 $320,000 -50.0% 0.3%
Carrington Mortgage Services, LLC $560,000 $320,000 -42.9% 0.3%
Chattanooga Area Schools Federal Credit Union $305,000 n/a 0.3%
Mountain Commerce Bank $305,000 n/a 0.3%
AMCAP MORTGAGE, LTD. $295,000 n/a 0.2%
MILEND, INC. $295,000 n/a 0.2%
Paramount Residential Mortgage Group, Inc. $295,000 n/a 0.2%
21ST MORTGAGE CORPORATION $265,000 $290,000 9.4% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $280,000 n/a 0.2%
PNC Bank $860,000 $280,000 -67.4% 0.2%
FirstTrust Home Loans, Inc. $275,000 n/a 0.2%
Wells Fargo Bank $1,820,000 $275,000 -84.9% 0.2%
DEEPHAVEN MORTGAGE LLC $125,000 $245,000 96.0% 0.2%
EMBRACE HOME LOANS, INC. $245,000 n/a 0.2%
MICHIGAN MUTUAL, INC. $245,000 n/a 0.2%
PLANET HOME LENDING, LLC $575,000 $235,000 -59.1% 0.2%
SOUTHWEST STAGE FUNDING, LLC $105,000 $225,000 114.3% 0.2%
ZILLOW HOME LOANS, LLC $505,000 $225,000 -55.4% 0.2%
LENDINGHOME FUNDING CORPORATION $430,000 $220,000 -48.8% 0.2%
AMERICAN FEDERAL MORTGAGE CORPORATION $215,000 n/a 0.2%
Blue Ridge Bank $215,000 n/a 0.2%
GUARANTY HOME MORTGAGE CORPORATION $380,000 $215,000 -43.4% 0.2%
COMPASS MORTGAGE, INC. $205,000 n/a 0.2%
Independent Bank $205,000 n/a 0.2%
NFM, INC. $490,000 $205,000 -58.2% 0.2%
PHH Mortgage Corporation $340,000 $205,000 -39.7% 0.2%
Princeton Mortgage Corporation $205,000 n/a 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $155,000 $200,000 29.0% 0.2%
AgFirst Farm Credit Bank $2,115,000 $195,000 -90.8% 0.2%
Bank of Springfield $195,000 n/a 0.2%
CLEARPATH LENDING $400,000 $195,000 -51.3% 0.2%
EASTMAN $195,000 n/a 0.2%
NEW DAY FINANCIAL, LLC $420,000 $185,000 -56.0% 0.2%
Countybank $455,000 $175,000 -61.5% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $165,000 n/a 0.1%
ASCEND FEDERAL CREDIT UNION $165,000 n/a 0.1%
Bank of America $605,000 $165,000 -72.7% 0.1%
ENDEAVOR CAPITAL, LLC. $165,000 n/a 0.1%
Baxter Credit Union $155,000 n/a 0.1%
DAS Acquisition Company, LLC $155,000 n/a 0.1%
Home Federal Bank of Tennessee $645,000 $155,000 -76.0% 0.1%
VAN DYK MORTGAGE CORPORATION $215,000 $155,000 -27.9% 0.1%
ROYAL UNITED MORTGAGE LLC $130,000 n/a 0.1%
Bank OZK $105,000 n/a 0.1%
Chattanooga Federal Emp. Credit Union $105,000 n/a 0.1%
NexBank $305,000 $105,000 -65.6% 0.1%
Discover Bank $140,000 $90,000 -35.7% 0.1%
TOP FLITE FINANCIAL, INC. $85,000 n/a 0.1%
ENRICHMENT $75,000 n/a 0.1%
The Huntington National Bank $75,000 n/a 0.1%
CU COMMUNITY, LLC $65,000 n/a 0.1%
Coastal Community Bank $50,000 n/a 0.0%
CHEVRON $45,000 n/a 0.0%

Dayton's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 8.7% market share. In second place, with 5.3%, is MORTGAGE INVESTORS GROUP, INC., having originated $6,400,000 in loans. In third place, with 5.2%, is QUICKEN LOANS, LLC, having originated $6,220,000 in loans. In fourth place, with 4.1%, is SouthEast Bank, having originated $4,985,000 in loans. In fifth place, with 3.9%, is FIRST COMMUNITY MORTGAGE, INC., having originated $4,720,000 in loans.


Dayton Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Dayton (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 $182,500 (7.3%) $282,940 (8.9%) 0.00 184
2018-02-01 $182,100 (4.1%) $266,430 (0.2%) 0.00 197
2018-03-01 $178,900 (3.5%) $275,056 (1.8%) 0.00 183
2018-04-01 $193,875 (9.5%) $284,019 (0.7%) 0.00 186
2018-05-01 $198,500 (2.8%) $296,069 (3.2%) 0.00 190
2018-06-01 $195,500 (-5.8%) $298,635 (-0.3%) 0.00 187
2018-07-01 $213,038 (-4.1%) $305,936 (0.6%) 0.00 181
2018-08-01 $216,075 (-8.5%) $306,385 (-2.1%) 0.00 185
2018-09-01 $219,000 (-0.3%) $309,101 (0.1%) 0.00 176
2018-10-01 $202,475 (3.0%) $306,205 (3.4%) 0.00 173
2018-11-01 $213,725 (11.8%) $310,112 (7.2%) 0.00 167
2018-12-01 $225,000 (20.6%) $304,844 (7.9%) 0.00 152
2019-01-01 $223,625 (22.5%) $307,982 (8.9%) 0.00 142
2019-02-01 $226,225 (24.2%) $314,776 (18.2%) 0.00 133
2019-03-01 $231,200 (29.2%) $320,188 (16.4%) 0.00 127
2019-04-01 $226,038 (16.6%) $313,414 (10.4%) 0.00 130
2019-05-01 $238,125 (20.0%) $339,029 (14.5%) 0.00 141
2019-06-01 $224,500 (14.8%) $317,062 (6.2%) 0.00 147
2019-07-01 $239,000 (12.2%) $324,206 (6.0%) 0.00 147
2019-08-01 $227,509 (5.3%) $315,968 (3.1%) 0.00 150
2019-09-01 $220,473 (0.7%) $310,559 (0.5%) 0.00 148
2019-10-01 $214,975 (6.2%) $306,106 (0.0%) 0.00 146
2019-11-01 $199,900 (-6.5%) $300,333 (-3.2%) 0.00 135
2019-12-01 $199,925 (-11.1%) $305,521 (0.2%) 0.00 128
2020-01-01 $209,950 (-6.1%) $316,459 (2.8%) 0.00 113
2020-02-01 $219,950 (-2.8%) $330,768 (5.1%) 0.00 108
2020-03-01 $233,325 (0.9%) $345,515 (7.9%) 0.00 93
2020-04-01 $236,950 (4.8%) $341,104 (8.8%) 0.00 94
2020-05-01 $249,900 (4.9%) $342,218 (0.9%) 0.00 92
2020-06-01 $239,000 (6.5%) $330,209 (4.2%) 0.00 85
2020-07-01 $219,275 (-8.3%) $326,521 (0.7%) 0.00 67
2020-08-01 $249,000 (9.5%) $391,193 (23.8%) 0.00 65
2020-09-01 $244,750 (11.0%) $396,923 (27.8%) 0.00 52
2020-10-01 $277,400 (29.0%) $421,411 (37.7%) 0.00 54
2020-11-01 $325,000 (62.6%) $430,667 (43.4%) 0.00 51
2020-12-01 $325,000 (62.6%) $465,034 (52.2%) 0.00 46
2021-01-01 $294,500 (40.3%) $476,656 (50.6%) 0.00 49
2021-02-01 $312,450 (42.1%) $480,687 (45.3%) 0.00 47
2021-03-01 $305,620 (31.0%) $474,638 (37.4%) 0.00 44
2021-04-01 $295,500 (24.7%) $484,013 (41.9%) 0.00 38
2021-05-01 $295,000 (18.1%) $524,444 (53.3%) 0.00 32
2021-06-01 $276,600 (15.7%) $449,568 (36.2%) 0.00 43
2021-07-01 $252,500 (15.2%) $442,480 (35.5%) 0.00 58
2021-08-01 $272,225 (9.3%) $478,178 (22.2%) 0.00 52
2021-09-01 $279,375 (14.2%) $396,194 (-0.2%) 0.00 57
2021-10-01 $286,200 (3.2%) $410,946 (-2.5%) 0.00 50
2021-11-01 $272,200 (-16.3%) $401,248 (-6.8%) 0.00 43
2021-12-01 $280,500 (-13.7%) $434,124 (-6.7%) 0.00 38
2022-01-01 $287,450 (-2.4%) $452,404 (-5.1%) 0.00 32
2022-02-01 $308,070 (-1.4%) $453,731 (-5.6%) 0.00 25
2022-03-01 $341,795 (11.8%) $493,387 (4.0%) 0.00 31
2022-04-01 $354,400 (19.9%) $477,424 (-1.4%) 0.00 39
2022-05-01 $354,900 (20.3%) $453,950 (-13.4%) 0.00 57
2022-06-01 $363,725 (31.5%) $439,506 (-2.2%) 0.00 66
2022-07-01 $375,000 (48.5%) $427,084 (-3.5%) 0.00 67
2022-08-01 $399,450 (46.7%) $455,665 (-4.7%) 0.00 72
2022-09-01 $429,000 (53.6%) $481,152 (21.4%) 0.00 75
2022-10-01 $429,000 (49.9%) $492,633 (19.9%) 0.00 78
2022-11-01 $418,850 (53.9%) $484,121 (20.7%) 0.00 80
2022-12-01 $374,900 (33.7%) $467,677 (7.7%) 0.00 89
2023-01-01 $367,850 (28.0%) $458,789 (1.4%) 0.00 74
2023-02-01 $389,000 (26.3%) $469,860 (3.6%) 0.00 67
2023-03-01 $399,500 (16.9%) $465,270 (-5.7%) 0.00 57
2023-04-01 $399,500 (12.7%) $446,678 (-6.4%) 0.00 53
2023-05-01 $362,500 (2.1%) $439,158 (-3.3%) 0.00 74
2023-06-01 $393,000 (8.1%) $485,247 (10.4%) 0.00 81
2023-07-01 $388,500 (3.6%) $529,064 (23.9%) 0.00 87
2023-08-01 $413,750 (3.6%) $513,934 (12.8%) 0.00 91
2023-09-01 $420,000 (-2.1%) $515,667 (7.2%) 0.00 87
2023-10-01 $375,600 (-12.5%) $485,787 (-1.4%) 0.00 84
2023-11-01 $399,700 (-4.6%) $504,645 (4.2%) 0.00 83
2023-12-01 $395,700 (5.6%) $506,756 (8.4%) 0.00 76
2024-01-01 $357,450 (-2.8%) $500,974 (9.2%) 0.00 72
2024-02-01 $371,000 (-4.6%) $493,374 (5.0%) 0.00 66
2024-03-01 $404,450 (1.2%) $503,708 (8.3%) 0.00 64
2024-04-01 $381,477 (-4.5%) $513,836 (15.0%) 0.00 74
Dayton's median listing price for 2024-04-01 was $381,477, a difference of $-18,023 (-4.5%) versus the prior year and $-22,973 versus the prior month.

Dayton's median listing price comes in at 0% of the national average.

Dayton's average listing price for 2024-04-01 was $513,836, a difference of $67,158 (15.0%) versus the prior year and $10,128 versus the prior month.

For the 2024-04-01 period, Dayton had 74 MLS listings, a difference of 10 listings (16%) versus the prior month and 21 listings (40%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Dayton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,792 sqft
2018-02-01 0 days 1,781 sqft
2018-03-01 0 days 1,692 sqft
2018-04-01 0 days 1,853 sqft
2018-05-01 0 days 1,878 sqft
2018-06-01 0 days 1,888 sqft
2018-07-01 0 days 1,904 sqft
2018-08-01 0 days 1,982 sqft
2018-09-01 0 days 2,000 sqft
2018-10-01 0 days 1,914 sqft
2018-11-01 0 days 1,871 sqft
2018-12-01 0 days 1,955 sqft
2019-01-01 0 days 1,898 sqft
2019-02-01 0 days 1,872 sqft
2019-03-01 0 days 1,974 sqft
2019-04-01 0 days 2,024 sqft
2019-05-01 0 days 2,055 sqft
2019-06-01 0 days 2,056 sqft
2019-07-01 0 days 2,168 sqft
2019-08-01 0 days 2,078 sqft
2019-09-01 0 days 2,012 sqft
2019-10-01 0 days 1,947 sqft
2019-11-01 0 days 1,920 sqft
2019-12-01 0 days 1,960 sqft
2020-01-01 0 days 1,964 sqft
2020-02-01 0 days 1,934 sqft
2020-03-01 0 days 1,940 sqft
2020-04-01 0 days 1,931 sqft
2020-05-01 0 days 1,946 sqft
2020-06-01 0 days 1,884 sqft
2020-07-01 0 days 1,860 sqft
2020-08-01 0 days 2,092 sqft
2020-09-01 0 days 2,083 sqft
2020-10-01 0 days 2,258 sqft
2020-11-01 0 days 2,484 sqft
2020-12-01 0 days 2,560 sqft
2021-01-01 0 days 2,520 sqft
2021-02-01 0 days 2,346 sqft
2021-03-01 0 days 1,989 sqft
2021-04-01 0 days 2,120 sqft
2021-05-01 0 days 1,719 sqft
2021-06-01 0 days 1,829 sqft
2021-07-01 0 days 1,762 sqft
2021-08-01 0 days 1,820 sqft
2021-09-01 0 days 1,888 sqft
2021-10-01 0 days 1,899 sqft
2021-11-01 0 days 1,846 sqft
2021-12-01 0 days 1,748 sqft
2022-01-01 0 days 1,863 sqft
2022-02-01 0 days 2,195 sqft
2022-03-01 0 days 1,896 sqft
2022-04-01 0 days 1,940 sqft
2022-05-01 0 days 1,811 sqft
2022-06-01 0 days 1,838 sqft
2022-07-01 0 days 1,866 sqft
2022-08-01 0 days 2,040 sqft
2022-09-01 0 days 2,040 sqft
2022-10-01 0 days 1,986 sqft
2022-11-01 0 days 1,893 sqft
2022-12-01 0 days 1,893 sqft
2023-01-01 0 days 1,853 sqft
2023-02-01 0 days 1,901 sqft
2023-03-01 0 days 1,893 sqft
2023-04-01 0 days 1,902 sqft
2023-05-01 0 days 1,823 sqft
2023-06-01 0 days 1,965 sqft
2023-07-01 0 days 1,973 sqft
2023-08-01 0 days 1,807 sqft
2023-09-01 0 days 1,918 sqft
2023-10-01 0 days 1,825 sqft
2023-11-01 0 days 1,937 sqft
2023-12-01 0 days 2,016 sqft
2024-01-01 0 days 1,894 sqft
2024-02-01 0 days 1,966 sqft
2024-03-01 0 days 2,022 sqft
2024-04-01 0 days 2,000 sqft
Dayton's median listing age (time on market) for 2024-04-01 was 0 days.

Dayton's median square footage for active listings during the 2024-04-01 period was 2,000 sqft. One year prior, the average listing was 1,902 sqft.

Dayton, TN Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 331 $81,935,000 $247,538
Cash Out Refi 89 $17,375,000 $195,225
Home Improvement 52 $5,500,000 $105,769
Refi 50 $11,570,000 $231,400
Other 47 $3,965,000 $84,362

Dayton's most frequently cited loan purpose was Home Purchase, with 331 originations. The 2nd most popular reason was Cash Out Refi, with 89 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 207 $50,325,000 $243,116
7-8% 150 $35,480,000 $236,533
Over 8% 109 $11,935,000 $109,495
5-6% 72 $14,740,000 $204,722
4-5% 6 $1,750,000 $291,667
<2.5% 2 $20,000 $10,000
2.5-3% 1 $175,000 $175,000

During 2023, Dayton's most frequently originated rate bucket was 6-7%, with 207 originations.

Loan Sizing (Dayton, TN MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 219 $58,625,000 $267,694
$100k-200k 169 $26,065,000 $154,231
$100,000 or less 130 $6,970,000 $53,615
$400k-600k 35 $16,865,000 $481,857
$600k-1000k 15 $10,635,000 $709,000
$Over $1MM 1 $1,185,000 $1,185,000

Dayton's loan sizing saw the bucket of loans from $200k-400k with 219 originations, totaling $58,625,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 219 $54,565,000 $249,155
60-80% 124 $32,520,000 $262,258
20-40% 64 $7,770,000 $121,406
Under 20% 64 $3,020,000 $47,188
40-60% 60 $11,930,000 $198,833
Over 100% 14 $4,060,000 $290,000

Dayton's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 219 originations, totaling $54,565,000 in origination value.