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 6.6% for the week of 2023-03-23, compared to the national average of 6.42% for the same period.

The average rate for the prior week (2023-03-16) was 6.88% and one month ago for the week of 2023-02-16, the average rate was 6.4%.

Dayton's average rate one year ago was 4.21%.

For refis of the same type during the week of 2023-03-23, the average rate was 6.5%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-03-23 6.42%
Dayton 30 Year Fixed Rate 2023-03-23 6.6%
Dayton 30 Year Fixed Rate Refi 2023-03-23 6.5%
Dayton 15 Year Fixed Rate 2023-03-23 5.85%
Dayton 15 Year Fixed Rate Refi 2023-03-23 6.4%
Dayton 30 Year FHA 2023-03-23 6.52%
Dayton 30 Year FHA Refi 2023-03-23 6.22%
Dayton 30 Year USDA 2023-03-23 6.38%
Dayton 30 Year USDA Refi 2023-03-23 5.81%
Dayton 30 Year VA 2023-03-23 5.95%
Dayton 30 Year VA Refi 2023-03-23 5.78%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
QUICKEN LOANS, LLC 33 5.18% $6,632
UNITED WHOLESALE MORTGAGE, LLC 16 5.76% $6,166
FIRST COMMUNITY MORTGAGE, INC. 12 5.21% $7,218
TENNESSEE VALLEY 12 4.40% $3,866
LOANDEPOT.COM, LLC 11 3.85% $5,361
MORTGAGE INVESTORS GROUP, INC. 10 4.36% $5,052
FirstBank 10 4.45% $4,448
MOVEMENT MORTGAGE, LLC 9 4.72% $3,480
Renasant Bank 9 4.90% $5,820
Wells Fargo Bank 8 4.59% $4,835
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 8 5.55% $9,039
The First National Bank of Middle Tennessee 8 4.86% $5,772
CMG MORTGAGE, INC. 7 5.12% $4,868
Citizens Tri-County Bank 6 4.92% $3,566
Gateway First Bank 6 5.29% $4,017
CALIBER HOME LOANS, INC. 5 4.87% $5,988
CHURCHILL MORTGAGE CORPORATION 4 4.28% $4,005
AMERISAVE MORTGAGE CORPORATION 4 4.78% $5,902
VANDERBILT MORTGAGE AND FINANCE, INC. 4 6.44% $5,848
TJC Mortgage, Inc. 4 4.72% $7,400
Farm Credit Mid-America, ACA 4 6.59% $8,483
Truist 3 4.43% $3,539
Flagstar Bank, FSB 3 4.24% $4,330
U.S. Bank 3 4.08% $3,141
AgFirst Farm Credit Bank 3 5.21% $4,070
NAVY FEDERAL CREDIT UNION 2 6.19% $2,498
Citizens Bank 2 7.00% $3,567
Regions Bank 2 4.44% $3,977
Mr. Cooper ( Nationstar Mortgage ) 2 4.56% $7,443
HOME POINT FINANCIAL CORPORATION 2 5.37% $7,444
River Valley AgCredit, ACA 2 8.02% $5,373
Simmons Bank 2 5.63% $4,201
SOUTHWEST FUNDING, LP 2 4.63% $8,505
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 4.88% $8,069
The Federal Savings Bank 2 5.50% $7,104
PNC Bank 2 3.06% $4,587
CapStar Bank 2 4.44% $2,503
Bank of America 2 3.44% $2,837
PREMIA MORTGAGE, LLC 1 2.99% $3,467
PROVIDENT FUNDING ASSOCIATES, L.P. 1 4.88% $3,980
SmartBank 1 3.50% $2,732
STOCKTON MORTGAGE CORPORATION 1 5.99% $10,415
Toyota Financial Savings Bank 1 5.88% $3,327
UNION HOME MORTGAGE CORP. 1 7.50% $9,311
United Community Bank 1 5.38% $3,913
USAA Federal Savings Bank 1 4.88% $4,458
Vibrant Credit Union 1 4.99% $3,191
Y-12 Federal Credit Union 1 5.38% $3,604
ZILLOW HOME LOANS, LLC 1 5.50% $6,328
Nations Lending Corporation 1 4.25% $9,571
AMERICAN FINANCING CORPORATION 1 3.99% $3,615
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 4.99% $10,323
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 5.88% $3,661
BancorpSouth Bank 1 6.75% $7,356
Bank of England 1 3.75% $800
Bowater Employees Credit Union 1 3.63% $4,112
CANOPY MORTGAGE, LLC 1 6.99% $13,778
Capital City Home Loans, LLC 1 4.75% $4,587
CHERRY CREEK MORTGAGE, LLC 1 6.13% $953
Chicago Mortgage Solutions LLC 1 3.48% $2,763
COMMUNITY MORTGAGE CORPORATION 1 5.25% $4,149
Countybank 1 3.75% $2,971
CROSSCOUNTRY MORTGAGE, LLC 1 6.88% $3,864
DEEPHAVEN MORTGAGE LLC 1 8.99% $7,674
EVERETT FINANCIAL, INC. 1 6.50% $1,499
First Citizens National Bank 1 5.75% $2,098
First Horizon Bank 1 2.88% $4,802
First National Bank 1 7.95% $994
First Savings Bank 1 5.00% $4,754
GEORGIA UNITED 1 6.88% $7,589
GUARANTEED RATE, INC. 1 3.38% $5,258
GUARANTY MORTGAGE SERVICES, L.L.C. 1 5.63% $7,648
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.88% $3,077
JPMorgan Chase Bank 1 3.88% $1,923
KNOXVILLE TVA EMPLOYEES CREDIT UNION 1 3.25% $3,967
Kwik Mortgage Corporation 1 6.63% $2,404
LAKEVIEW LOAN SERVICING, LLC 1 4.38% $2,623
LEADERONE FINANCIAL CORPORATION 1 6.00% $9,925
Loan Simple, Inc. 1 4.49% $3,958
MEMBER FIRST MORTGAGE, LLC 1 5.13% $3,170
Mortgage Research Center, LLC 1 5.13% $12,832
M&T Bank 1 5.50% $4,369
NETWORK CAPITAL FUNDING CORPORATION 1 6.13% $12,072
NexBank 1 4.38% $3,941
Northpointe Bank 1 6.75% $3,011
PHH Mortgage Corporation 1 6.25% $4,510
Plains Commerce Bank 1 6.63% $5,528

Dayton Average Closing Costs & Other Stats

Dayton, TN's 87 lenders originated 806 loans during 2022. The total origination value was $169,710,000, with an average loan value of $210,558.

Dayton's average closing costs are $5,068.

The top Dayton lender as defined by loan originations is QUICKEN LOANS, LLC, with 33 loans originated. Their average total fees are $6,632, which is $466 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Dayton lenders (with over 10 loans originated) are TENNESSEE VALLEY ($3,866), FirstBank ($4,448), MORTGAGE INVESTORS GROUP, INC. ($5,052), LOANDEPOT.COM, LLC ($5,361) and UNITED WHOLESALE MORTGAGE, LLC ($6,166).

The lowest rate Dayton lenders (with over 10 loans originated) are LOANDEPOT.COM, LLC (3.85%), MORTGAGE INVESTORS GROUP, INC. (4.36%), TENNESSEE VALLEY (4.40%), FirstBank (4.45%) and QUICKEN LOANS, LLC (5.18%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
FirstBank $9,325,000 $13,150,000 41.0% 7.7%
QUICKEN LOANS, LLC $21,650,000 $10,485,000 -51.6% 6.2%
SouthEast Bank $3,645,000 $9,105,000 149.8% 5.4%
UNITED WHOLESALE MORTGAGE, LLC $3,230,000 $8,075,000 150.0% 4.8%
TENNESSEE VALLEY $5,230,000 $6,445,000 23.2% 3.8%
FIRST COMMUNITY MORTGAGE, INC. $9,835,000 $6,185,000 -37.1% 3.6%
MORTGAGE INVESTORS GROUP, INC. $6,020,000 $5,965,000 -0.9% 3.5%
Renasant Bank $2,985,000 $5,000,000 67.5% 2.9%
Mortgage Research Center, LLC $4,310,000 $4,805,000 11.5% 2.8%
LOANDEPOT.COM, LLC $3,860,000 $3,805,000 -1.4% 2.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,610,000 $3,515,000 34.7% 2.1%
TJC Mortgage, Inc. $5,745,000 $3,470,000 -39.6% 2.0%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $3,320,000 $3,370,000 1.5% 2.0%
CMG MORTGAGE, INC. $2,025,000 $3,145,000 55.3% 1.9%
Regions Bank $5,955,000 $3,145,000 -47.2% 1.9%
CALIBER HOME LOANS, INC. $6,425,000 $3,080,000 -52.1% 1.8%
MOVEMENT MORTGAGE, LLC $3,040,000 $2,770,000 -8.9% 1.6%
The First National Bank of Middle Tennessee $2,090,000 $2,650,000 26.8% 1.6%
Citizens Tri-County Bank $2,415,000 $2,330,000 -3.5% 1.4%
AgFirst Farm Credit Bank $1,890,000 $2,115,000 11.9% 1.2%
Wells Fargo Bank $1,150,000 $1,820,000 58.3% 1.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $180,000 $1,780,000 888.9% 1.0%
PENNYMAC LOAN SERVICES, LLC $2,600,000 $1,775,000 -31.7% 1.0%
AMERISAVE MORTGAGE CORPORATION $730,000 $1,760,000 141.1% 1.0%
HOME POINT FINANCIAL CORPORATION $4,345,000 $1,745,000 -59.8% 1.0%
Simply Bank $2,350,000 $1,705,000 -27.4% 1.0%
MILLENNIUM BANK $2,840,000 $1,600,000 -43.7% 0.9%
U.S. Bank $670,000 $1,595,000 138.1% 0.9%
Farm Credit Mid-America, ACA $1,540,000 n/a 0.9%
Gateway First Bank $1,735,000 $1,530,000 -11.8% 0.9%
CapStar Bank $335,000 $1,460,000 335.8% 0.9%
Flagstar Bank, FSB $1,920,000 $1,445,000 -24.7% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $2,775,000 $1,420,000 -48.8% 0.8%
FREEDOM MORTGAGE CORPORATION $5,300,000 $1,260,000 -76.2% 0.7%
CROSSCOUNTRY MORTGAGE, LLC $1,970,000 $1,155,000 -41.4% 0.7%
Truist $2,355,000 $1,145,000 -51.4% 0.7%
United Community Bank $185,000 $1,005,000 443.2% 0.6%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $2,155,000 $975,000 -54.8% 0.6%
Bank of Cleveland $415,000 $920,000 121.7% 0.5%
PNC Bank $435,000 $860,000 97.7% 0.5%
NAVY FEDERAL CREDIT UNION $1,770,000 $855,000 -51.7% 0.5%
Capital City Home Loans, LLC $815,000 n/a 0.5%
LAKEVIEW LOAN SERVICING, LLC $380,000 $805,000 111.8% 0.5%
SUCCESS MORTGAGE PARTNERS, INC. $805,000 n/a 0.5%
SOUTHWEST FUNDING, LP $115,000 $800,000 595.7% 0.5%
STOCKTON MORTGAGE CORPORATION $1,315,000 $800,000 -39.2% 0.5%
CHURCHILL MORTGAGE CORPORATION $1,545,000 $790,000 -48.9% 0.5%
Citizens Bank $3,190,000 $770,000 -75.9% 0.5%
The Federal Savings Bank $125,000 $695,000 456.0% 0.4%
River Valley AgCredit, ACA $675,000 n/a 0.4%
COMMUNITY MORTGAGE CORPORATION $360,000 $665,000 84.7% 0.4%
GUARANTEED RATE, INC. $665,000 n/a 0.4%
First Horizon Bank $650,000 $660,000 1.5% 0.4%
Home Federal Bank of Tennessee $1,000,000 $645,000 -35.5% 0.4%
BROKER SOLUTIONS, INC. $1,795,000 $640,000 -64.3% 0.4%
AMERICAN FINANCIAL RESOURCES, INC. $1,245,000 $610,000 -51.0% 0.4%
Bank of America $560,000 $605,000 8.0% 0.4%
ANGEL OAK MORTGAGE SOLUTIONS LLC $595,000 n/a 0.4%
PLANET HOME LENDING, LLC $1,725,000 $575,000 -66.7% 0.3%
Carrington Mortgage Services, LLC $455,000 $560,000 23.1% 0.3%
LEADERONE FINANCIAL CORPORATION $175,000 $545,000 211.4% 0.3%
Plains Commerce Bank $515,000 n/a 0.3%
NETWORK CAPITAL FUNDING CORPORATION $510,000 n/a 0.3%
USAA Federal Savings Bank $480,000 $510,000 6.3% 0.3%
Chicago Mortgage Solutions LLC $505,000 n/a 0.3%
ZILLOW HOME LOANS, LLC $510,000 $505,000 -1.0% 0.3%
NFM, INC. $490,000 n/a 0.3%
KNOXVILLE TVA EMPLOYEES CREDIT UNION $370,000 $480,000 29.7% 0.3%
JAMES B. NUTTER & COMPANY $465,000 n/a 0.3%
Y-12 Federal Credit Union $275,000 $460,000 67.3% 0.3%
Countybank $335,000 $455,000 35.8% 0.3%
Pinnacle Bank $1,795,000 $435,000 -75.8% 0.3%
Synovus Bank $435,000 n/a 0.3%
GUARANTEED RATE AFFINITY, LLC $430,000 n/a 0.3%
ISERVE RESIDENTIAL LENDING, LLC $940,000 $430,000 -54.3% 0.3%
LENDINGHOME FUNDING CORPORATION $105,000 $430,000 309.5% 0.3%
Simmons Bank $145,000 $430,000 196.6% 0.3%
NEW DAY FINANCIAL, LLC $770,000 $420,000 -45.5% 0.2%
AMERICAN ADVISORS GROUP $360,000 $410,000 13.9% 0.2%
CLEARPATH LENDING $300,000 $400,000 33.3% 0.2%
ORNL Federal Credit Union $2,770,000 $395,000 -85.7% 0.2%
GUARANTY HOME MORTGAGE CORPORATION $215,000 $380,000 76.7% 0.2%
Loan Simple, Inc. $365,000 n/a 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $355,000 n/a 0.2%
LONGBRIDGE FINANCIAL, LLC $65,000 $350,000 438.5% 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $330,000 $345,000 4.5% 0.2%
GENEVA FINANCIAL, LLC $755,000 $345,000 -54.3% 0.2%
Nations Lending Corporation $325,000 $340,000 4.6% 0.2%
PHH Mortgage Corporation $340,000 n/a 0.2%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $335,000 n/a 0.2%
Northpointe Bank $310,000 n/a 0.2%
CANOPY MORTGAGE, LLC $305,000 n/a 0.2%
NexBank $305,000 n/a 0.2%
CORNERSTONE HOME LENDING, INC. $275,000 n/a 0.2%
SUMMIT FUNDING, INC. $85,000 $270,000 217.6% 0.2%
21ST MORTGAGE CORPORATION $75,000 $265,000 253.3% 0.2%
Bowater Employees Credit Union $260,000 n/a 0.2%
SmartBank $365,000 $260,000 -28.8% 0.2%
HomePromise Corporation $255,000 n/a 0.2%
UNION HOME MORTGAGE CORP. $680,000 $255,000 -62.5% 0.2%
BancorpSouth Bank $355,000 $245,000 -31.0% 0.1%
First Savings Bank $245,000 n/a 0.1%
Kwik Mortgage Corporation $235,000 n/a 0.1%
Low VA Rates, LLC $135,000 $235,000 74.1% 0.1%
Amerifirst Financial, Inc. $225,000 n/a 0.1%
CIS Financial Services, Inc. $225,000 n/a 0.1%
GUARANTY MORTGAGE SERVICES, L.L.C. $145,000 $225,000 55.2% 0.1%
Toyota Financial Savings Bank $225,000 n/a 0.1%
KEMBA FINANCIAL $215,000 n/a 0.1%
MEMBER FIRST MORTGAGE, LLC $370,000 $215,000 -41.9% 0.1%
Mid-Continent Funding, Inc. $355,000 $215,000 -39.4% 0.1%
VAN DYK MORTGAGE CORPORATION $1,085,000 $215,000 -80.2% 0.1%
Vibrant Credit Union $215,000 n/a 0.1%
EVERETT FINANCIAL, INC. $205,000 n/a 0.1%
First National Bank $205,000 n/a 0.1%
NEWREZ LLC $675,000 $205,000 -69.6% 0.1%
Third Federal Savings and Loan Association of Cleveland $205,000 n/a 0.1%
ACOPIA, LLC $195,000 n/a 0.1%
Bank of England $795,000 $195,000 -75.5% 0.1%
CHERRY CREEK MORTGAGE, LLC $195,000 n/a 0.1%
PREMIA MORTGAGE, LLC $195,000 n/a 0.1%
First Citizens National Bank $1,535,000 $185,000 -87.9% 0.1%
OPEN MORTGAGE, LLC $185,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $310,000 $175,000 -43.5% 0.1%
M&T Bank $175,000 n/a 0.1%
Hometown Lenders, Inc. $455,000 $165,000 -63.7% 0.1%
Legends Bank $165,000 n/a 0.1%
Mountain Valley Bank $295,000 $155,000 -47.5% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $600,000 $155,000 -74.2% 0.1%
TRIAD FINANCIAL SERVICES, INC. $205,000 $155,000 -24.4% 0.1%
CONTOUR MORTGAGE CORPORATION $145,000 n/a 0.1%
Discover Bank $140,000 n/a 0.1%
Texana Bank $135,000 n/a 0.1%
DEEPHAVEN MORTGAGE LLC $125,000 n/a 0.1%
GEORGIA UNITED $125,000 n/a 0.1%
JPMorgan Chase Bank $805,000 $125,000 -84.5% 0.1%
RELIANCE FIRST CAPITAL, LLC $175,000 $125,000 -28.6% 0.1%
1ST SIGNATURE LENDING, LLC $105,000 $105,000 0.0% 0.1%
GUILD MORTGAGE COMPANY $105,000 $105,000 0.0% 0.1%
JLB CORPORATION $125,000 $105,000 -16.0% 0.1%
SOUTHWEST STAGE FUNDING, LLC $480,000 $105,000 -78.1% 0.1%
VERITAS FUNDING, LLC $105,000 n/a 0.1%
Wyndham Capital Mortgage, Inc. $95,000 n/a 0.1%
Figure Lending LLC $35,000 $90,000 157.1% 0.1%
First Bank $75,000 n/a 0.0%
Peoples Bank of East Tennessee $75,000 n/a 0.0%
U. T. $75,000 n/a 0.0%
First Volunteer Bank $55,000 n/a 0.0%
Georgia Banking Company $55,000 n/a 0.0%
THE TENNESSEE CREDIT UNION $55,000 n/a 0.0%
Wilson Bank And Trust $55,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $175,000 $35,000 -80.0% 0.0%
Bethpage Federal Credit Union $25,000 n/a 0.0%

Dayton's top lender by overall market share is FirstBank, with 7.7% market share. In second place, with 6.2%, is QUICKEN LOANS, LLC, having originated $10,485,000 in loans. In third place, with 5.4%, is SouthEast Bank, having originated $9,105,000 in loans. In fourth place, with 4.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $8,075,000 in loans. In fifth place, with 3.8%, is TENNESSEE VALLEY, having originated $6,445,000 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 (6.5%) $282,940 (6.3%) 0.00 184
2018-02-01 $182,100 (4.1%) $266,430 (-2.2%) 0.00 197
2018-03-01 $178,900 (2.2%) $275,056 (-0.7%) 0.00 183
2018-04-01 $193,875 (8.0%) $284,019 (-1.5%) 0.00 186
2018-05-01 $198,500 (1.3%) $296,069 (1.0%) 0.00 190
2018-06-01 $195,500 (-8.5%) $298,635 (-2.3%) 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 (1.9%) $309,101 (0.3%) 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
Dayton's median listing price for 2023-02-01 was $389,000, a difference of $80,930 (26.3%) versus the prior year and $21,150 versus the prior month.

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

Dayton's average listing price for 2023-02-01 was $469,860, a difference of $16,129 (3.6%) versus the prior year and $11,071 versus the prior month.

For the 2023-02-01 period, Dayton had 67 MLS listings, a difference of -7 listings (-9%) versus the prior month and 42 listings (168%) 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
Dayton's median listing age (time on market) for 2023-02-01 was 0 days.

Dayton's median square footage for active listings during the 2023-02-01 period was 1,901 sqft. One year prior, the average listing was 2,195 sqft.

Dayton, TN Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 404 $96,860,000 $239,752
Cash Out Refi 173 $33,305,000 $192,514
Refi 120 $29,160,000 $243,000
Home Improvement 57 $5,435,000 $95,351
Other 52 $4,950,000 $95,192

Dayton's most frequently cited loan purpose was Home Purchase, with 404 originations. The 2nd most popular reason was Cash Out Refi, with 173 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 210 $49,960,000 $237,905
3-4% 168 $38,740,000 $230,595
4-5% 160 $33,620,000 $210,125
6-7% 82 $17,110,000 $208,659
7-8% 39 $6,065,000 $155,513
2.5-3% 32 $6,820,000 $213,125
Over 8% 15 $2,235,000 $149,000
<2.5% 6 $1,120,000 $186,667

During 2022, Dayton's most frequently originated rate bucket was 5-6%, with 210 originations.

Loan Sizing (Dayton, TN MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 319 $47,255,000 $148,135
$200k-400k 262 $70,010,000 $267,214
$100,000 or less 158 $9,690,000 $61,329
$400k-600k 47 $22,475,000 $478,191
$600k-1000k 15 $10,725,000 $715,000
$Over $1MM 5 $9,555,000 $1,911,000

Dayton's loan sizing saw the bucket of loans from $100k-200k with 319 originations, totaling $47,255,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 305 $75,685,000 $248,148
60-80% 179 $47,935,000 $267,793
40-60% 107 $20,205,000 $188,832
20-40% 60 $6,680,000 $111,333
Under 20% 47 $2,465,000 $52,447
Over 100% 14 $2,840,000 $202,857

Dayton's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 305 originations, totaling $75,685,000 in origination value.