Dayton Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Dayton averaged
6.88%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
7.03% and
one month ago for the week of 2025-04-17, the
average rate was 7.15%.
Dayton's average rate one year ago was 7.24%.
For refis of the same type during the week of 2025-05-22, the average rate
was 6.96%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Dayton 30 Year Fixed Rate | 2025-05-22 | 6.88% |
| Dayton 30 Year Fixed Rate Refi | 2025-05-22 | 6.96% |
| Dayton 15 Year Fixed Rate | 2025-05-22 | 5.91% |
| Dayton 15 Year Fixed Rate Refi | 2025-05-22 | 6.51% |
| Dayton 30 Year FHA | 2025-05-22 | 6.34% |
| Dayton 30 Year FHA Refi | 2025-05-22 | 6.61% |
| Dayton 30 Year USDA | 2025-05-22 | 6.23% |
| Dayton 30 Year USDA Refi | 2025-05-22 | 6.63% |
| Dayton 30 Year VA | 2025-05-22 | 6.52% |
| Dayton 30 Year VA Refi | 2025-05-22 | 6.32% |
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.).
Dayton Average Closing Costs & Other Stats
Dayton, TN's 68 lenders originated 723
loans during 2024. The total origination value was $164,455,000, with an average loan value of
$227,462.
Dayton's average closing costs are $5,716.
The top Dayton lender as defined by loan originations is QUICKEN LOANS, LLC, with
21 loans originated. Their average total fees are
$9,423, which is $992
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Dayton lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($2,534), TENNESSEE VALLEY ($5,321), UNITED WHOLESALE MORTGAGE, LLC ($8,431), QUICKEN LOANS, LLC ($9,423) and .
The lowest rate Dayton lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.62%), TENNESSEE VALLEY (6.59%), QUICKEN LOANS, LLC (6.69%), UNITED WHOLESALE MORTGAGE, LLC (6.83%) and .
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $10,480,000 | $14,385,000 | 37.3% | 8.7% |
| QUICKEN LOANS, LLC | $6,220,000 | $12,560,000 | 101.9% | 7.6% |
| SouthEast Bank | $4,985,000 | $8,485,000 | 70.2% | 5.2% |
| DHI MORTGAGE COMPANY, LTD. | $7,785,000 | n/a | 4.7% | |
| FIRST COMMUNITY MORTGAGE, INC. | $4,720,000 | $5,990,000 | 26.9% | 3.6% |
| Mortgage Research Center, LLC | $1,940,000 | $5,740,000 | 195.9% | 3.5% |
| TENNESSEE VALLEY | $2,510,000 | $5,305,000 | 111.4% | 3.2% |
| Regions Bank | $3,090,000 | $5,100,000 | 65.0% | 3.1% |
| WesBanco | $4,405,000 | n/a | 2.7% | |
| FirstBank | $3,755,000 | $3,480,000 | -7.3% | 2.1% |
| MORTGAGE INVESTORS GROUP, INC. | $6,400,000 | $3,205,000 | -49.9% | 1.9% |
| CMG MORTGAGE, INC. | $1,690,000 | $3,125,000 | 84.9% | 1.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,705,000 | $2,570,000 | 50.7% | 1.6% |
| MOVEMENT MORTGAGE, LLC | $2,730,000 | $2,465,000 | -9.7% | 1.5% |
| UNION HOME MORTGAGE CORP. | $980,000 | $2,380,000 | 142.9% | 1.4% |
| Truist | $525,000 | $1,975,000 | 276.2% | 1.2% |
| First Financial Bank | $1,955,000 | n/a | 1.2% | |
| First Volunteer Bank | $1,930,000 | n/a | 1.2% | |
| Equity Prime Mortgage LLC | $975,000 | $1,915,000 | 96.4% | 1.2% |
| LOANDEPOT.COM, LLC | $1,535,000 | $1,710,000 | 11.4% | 1.0% |
| TJC Mortgage, Inc. | $350,000 | $1,710,000 | 388.6% | 1.0% |
| Farm Credit Mid-America, ACA | $950,000 | $1,655,000 | 74.2% | 1.0% |
| ORNL Federal Credit Union | $770,000 | $1,535,000 | 99.4% | 0.9% |
| USAA Federal Savings Bank | $395,000 | $1,350,000 | 241.8% | 0.8% |
| ZILLOW HOME LOANS, LLC | $225,000 | $1,300,000 | 477.8% | 0.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $530,000 | $1,295,000 | 144.3% | 0.8% |
| Plains Commerce Bank | $370,000 | $1,295,000 | 250.0% | 0.8% |
| Citizens Bank | $2,985,000 | $1,280,000 | -57.1% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $710,000 | $1,215,000 | 71.1% | 0.7% |
| The First National Bank of Middle Tennessee | $690,000 | $1,210,000 | 75.4% | 0.7% |
| NEW DAY FINANCIAL, LLC | $185,000 | $1,190,000 | 543.2% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $360,000 | $1,185,000 | 229.2% | 0.7% |
| Mountain Valley Bank | $955,000 | $1,125,000 | 17.8% | 0.7% |
| River Valley AgCredit, ACA | $540,000 | $1,120,000 | 107.4% | 0.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,110,000 | n/a | 0.7% | |
| Citizens Tri-County Bank | $1,805,000 | $1,070,000 | -40.7% | 0.7% |
| Fifth Third Bank | $1,045,000 | n/a | 0.6% | |
| NAVY FEDERAL CREDIT UNION | $1,190,000 | $1,010,000 | -15.1% | 0.6% |
| NFM, INC. | $205,000 | $1,000,000 | 387.8% | 0.6% |
| PLANET HOME LENDING, LLC | $235,000 | $980,000 | 317.0% | 0.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,190,000 | $965,000 | -18.9% | 0.6% |
| EVANSVILLE TEACHERS | $950,000 | n/a | 0.6% | |
| GUARANTEED RATE, INC. | $765,000 | $950,000 | 24.2% | 0.6% |
| Century Mortgage Company DBA Century Lending Company | $940,000 | n/a | 0.6% | |
| SOUTHWEST STAGE FUNDING, LLC | $225,000 | $940,000 | 317.8% | 0.6% |
| Andrew Johnson Bank | $385,000 | $910,000 | 136.4% | 0.6% |
| SmartBank | $900,000 | $895,000 | -0.6% | 0.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $280,000 | $855,000 | 205.4% | 0.5% |
| 1ST SIGNATURE LENDING, LLC | $1,115,000 | $835,000 | -25.1% | 0.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,615,000 | $835,000 | -48.3% | 0.5% |
| Bank of America | $165,000 | $830,000 | 403.0% | 0.5% |
| Flagstar Bank, FSB | $1,350,000 | $800,000 | -40.7% | 0.5% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | $460,000 | $790,000 | 71.7% | 0.5% |
| Simply Bank | $1,245,000 | $775,000 | -37.8% | 0.5% |
| NEWREZ LLC | $545,000 | $705,000 | 29.4% | 0.4% |
| BROKER SOLUTIONS, INC. | $320,000 | $695,000 | 117.2% | 0.4% |
| Ixonia Bank | $660,000 | n/a | 0.4% | |
| MID AMERICA MORTGAGE, INC. | $725,000 | $625,000 | -13.8% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $600,000 | $620,000 | 3.3% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $775,000 | $615,000 | -20.6% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $860,000 | $600,000 | -30.2% | 0.4% |
| The Loan Store, Inc. | $580,000 | n/a | 0.4% | |
| DAS Acquisition Company, LLC | $155,000 | $545,000 | 251.6% | 0.3% |
| Home Mortgage Alliance Corp | $545,000 | n/a | 0.3% | |
| GUARANTY MORTGAGE SERVICES, L.L.C. | $530,000 | n/a | 0.3% | |
| Gateway First Bank | $510,000 | n/a | 0.3% | |
| LOANPAL, LLC | $510,000 | n/a | 0.3% | |
| Magnolia Bank | $505,000 | n/a | 0.3% | |
| VILLAGE CAPITAL MORTGAGE | $490,000 | n/a | 0.3% | |
| First Horizon Bank | $705,000 | $485,000 | -31.2% | 0.3% |
| PNC Bank | $280,000 | $480,000 | 71.4% | 0.3% |
| Bowater Employees Credit Union | $470,000 | n/a | 0.3% | |
| Y-12 Federal Credit Union | $610,000 | $440,000 | -27.9% | 0.3% |
| RELIANCE FIRST CAPITAL, LLC | $430,000 | n/a | 0.3% | |
| Bank of Cleveland | $830,000 | $410,000 | -50.6% | 0.2% |
| Firefighters First Federal Credit Union | $405,000 | n/a | 0.2% | |
| Legends Bank | $395,000 | n/a | 0.2% | |
| SUMMIT FUNDING, INC. | $1,010,000 | $395,000 | -60.9% | 0.2% |
| AmeriHome Mortgage Company, LLC | $430,000 | $380,000 | -11.6% | 0.2% |
| Bell Bank | $375,000 | n/a | 0.2% | |
| Discover Bank | $90,000 | $365,000 | 305.6% | 0.2% |
| INTERCOASTAL MORTGAGE COMPANY | $365,000 | n/a | 0.2% | |
| OCMBC, INC. | $340,000 | n/a | 0.2% | |
| MILLENNIUM BANK | $325,000 | n/a | 0.2% | |
| NORTHERN MORTGAGE SERVICES, LLC | $325,000 | n/a | 0.2% | |
| Peoples Bank | $325,000 | n/a | 0.2% | |
| VAN DYK MORTGAGE CORPORATION | $155,000 | $320,000 | 106.5% | 0.2% |
| JPMorgan Chase Bank | $315,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $385,000 | $310,000 | -19.5% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $305,000 | n/a | 0.2% | |
| CIS Financial Services, Inc. | $290,000 | n/a | 0.2% | |
| 21ST MORTGAGE CORPORATION | $290,000 | $280,000 | -3.4% | 0.2% |
| Carrington Mortgage Services, LLC | $320,000 | $280,000 | -12.5% | 0.2% |
| LEADERONE FINANCIAL CORPORATION | $840,000 | $275,000 | -67.3% | 0.2% |
| Wolfe Financial, Inc | $275,000 | n/a | 0.2% | |
| GUILD MORTGAGE COMPANY | $1,295,000 | $270,000 | -79.2% | 0.2% |
| GMFS LLC | $265,000 | n/a | 0.2% | |
| Bethpage Federal Credit Union | $260,000 | n/a | 0.2% | |
| Pinnacle Bank | $2,025,000 | $235,000 | -88.4% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $225,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $225,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $215,000 | n/a | 0.1% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $740,000 | $215,000 | -70.9% | 0.1% |
| HALLMARK HOME MORTGAGE, LLC | $205,000 | n/a | 0.1% | |
| CIBM Bank | $195,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $200,000 | $185,000 | -7.5% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $185,000 | n/a | 0.1% | |
| US MORTGAGE CORPORATION | $175,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $155,000 | n/a | 0.1% | |
| Coastal Community Bank | $50,000 | $150,000 | 200.0% | 0.1% |
| LADERA LENDING, INC. | $145,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $205,000 | $145,000 | -29.3% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $135,000 | n/a | 0.1% | |
| U.S. Bank | $875,000 | $135,000 | -84.6% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $130,000 | $130,000 | 0.0% | 0.1% |
| United Community Bank | $660,000 | $130,000 | -80.3% | 0.1% |
| Nations Lending Corporation | $575,000 | $125,000 | -78.3% | 0.1% |
| Priority Bank | $125,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $85,000 | $115,000 | 35.3% | 0.1% |
| TOWER | $115,000 | n/a | 0.1% | |
| Wells Fargo Bank | $275,000 | $115,000 | -58.2% | 0.1% |
| Clearview Federal Credit Union | $105,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $220,000 | $105,000 | -52.3% | 0.1% |
| USAlliance Federal Credit Union | $105,000 | n/a | 0.1% | |
| ENRICHMENT | $75,000 | $85,000 | 13.3% | 0.1% |
| First Federal Bank | $85,000 | n/a | 0.1% | |
| NexBank | $105,000 | $85,000 | -19.0% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $85,000 | n/a | 0.1% | |
| GTE Federal Credit Union | $65,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $65,000 | n/a | 0.0% | |
| Figure Lending LLC | $370,000 | $55,000 | -85.1% | 0.0% |
| REDSTONE Federal Credit Union | $55,000 | n/a | 0.0% | |
| Renasant Bank | $1,850,000 | $55,000 | -97.0% | 0.0% |
| Fortera Federal Credit Union | $25,000 | n/a | 0.0% | |
| SCIENT Federal Credit Union | $25,000 | 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 7.6%, is QUICKEN LOANS, LLC, having originated $12,560,000 in loans. In third place, with 5.2%, is SouthEast Bank, having originated $8,485,000 in loans. In fourth place, with 4.7%, is DHI MORTGAGE COMPANY, LTD., having originated $7,785,000 in loans. In fifth place, with 3.6%, is FIRST COMMUNITY MORTGAGE, INC., having originated $5,990,000 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 |
| 2024-05-01 | $399,575 (10.2%) | $525,820 (19.7%) | 0.00 | 84 |
| 2024-06-01 | $362,500 (-7.8%) | $495,421 (2.1%) | 0.00 | 100 |
| 2024-07-01 | $346,950 (-10.7%) | $472,801 (-10.6%) | 0.00 | 111 |
| 2024-08-01 | $355,000 (-14.2%) | $462,983 (-9.9%) | 0.00 | 107 |
| 2024-09-01 | $376,899 (-10.3%) | $496,418 (-3.7%) | 0.00 | 109 |
| 2024-10-01 | $381,901 (1.7%) | $483,512 (-0.5%) | 0.00 | 108 |
| 2024-11-01 | $378,958 (-5.2%) | $468,175 (-7.2%) | 0.00 | 94 |
| 2024-12-01 | $399,000 (0.8%) | $479,300 (-5.4%) | 0.00 | 93 |
Dayton's median listing price comes in at 0% of the national average.
Dayton's average listing price for 2024-12-01 was $479,300, a difference of $-27,456 (-5.4%) versus the prior year and $11,125 versus the prior month.
For the 2024-12-01 period, Dayton had 93 MLS listings, a difference of -1 listings (-1%) versus the prior month and 17 listings (22%) 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 |
| 2024-05-01 | 0 days | 1,998 sqft |
| 2024-06-01 | 0 days | 1,992 sqft |
| 2024-07-01 | 0 days | 1,823 sqft |
| 2024-08-01 | 0 days | 1,960 sqft |
| 2024-09-01 | 0 days | 1,988 sqft |
| 2024-10-01 | 0 days | 1,992 sqft |
| 2024-11-01 | 0 days | 1,969 sqft |
| 2024-12-01 | 0 days | 2,032 sqft |
Dayton's median square footage for active listings during the 2024-12-01 period was 2,032 sqft. One year prior, the average listing was 2,016 sqft.
Dayton, TN Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 367 | $101,125,000 | $275,545 |
| Cash Out Refi | 130 | $28,350,000 | $218,077 |
| Refi | 89 | $21,935,000 | $246,461 |
| Other | 82 | $7,660,000 | $93,415 |
| Home Improvement | 55 | $5,385,000 | $97,909 |
Dayton's most frequently cited loan purpose was Home Purchase, with 367 originations. The 2nd most popular reason was Cash Out Refi, with 130 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 286 | $72,220,000 | $252,517 |
| Over 8% | 148 | $22,410,000 | $151,419 |
| 7-8% | 128 | $29,120,000 | $227,500 |
| 5-6% | 106 | $26,590,000 | $250,849 |
| 4-5% | 15 | $4,105,000 | $273,667 |
| <2.5% | 2 | $10,000 | $5,000 |
| 3-4% | 1 | $135,000 | $135,000 |
| 2.5-3% | 1 | $105,000 | $105,000 |
During 2024, Dayton's most frequently originated rate bucket was 6-7%, with 286 originations.
Loan Sizing (Dayton, TN MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 281 | $78,755,000 | $280,267 |
| $100k-200k | 215 | $32,245,000 | $149,977 |
| $100,000 or less | 158 | $8,800,000 | $55,696 |
| $400k-600k | 44 | $21,150,000 | $480,682 |
| $600k-1000k | 21 | $15,495,000 | $737,857 |
| $Over $1MM | 4 | $8,010,000 | $2,002,500 |
Dayton's loan sizing saw the bucket of loans from $200k-400k with 281 originations, totaling $78,755,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 257 | $70,805,000 | $275,506 |
| 60-80% | 145 | $44,635,000 | $307,828 |
| 20-40% | 93 | $11,045,000 | $118,763 |
| Under 20% | 93 | $4,605,000 | $49,516 |
| 40-60% | 75 | $16,905,000 | $225,400 |
| Over 100% | 14 | $3,430,000 | $245,000 |
Dayton's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 257 originations, totaling $70,805,000 in origination value.