JOHNSON CITY Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Johnson City averaged
6.01%
for the week of 2022-05-19, compared to the national average of
5.25% for the same period.
The average rate for the prior week (2022-05-12) was
5.66% and
one month ago for the week of 2022-04-14, the
average rate was 5.56%.
Johnson City's average rate one year ago was 3.37%.
For refis of the same type during the week of 2022-05-19, the average rate
was 5.45%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-05-19 | 5.25% |
| Johnson City 30 Year Fixed Rate | 2022-05-19 | 6.01% |
| Johnson City 30 Year Fixed Rate Refi | 2022-05-19 | 5.45% |
| Johnson City 15 Year Fixed Rate | 2022-05-19 | 5.27% |
| Johnson City 15 Year Fixed Rate Refi | 2022-05-19 | 4.77% |
| Johnson City 30 Year FHA | 2022-05-19 | 5.59% |
| Johnson City 30 Year FHA Refi | 2022-05-19 | 5.3% |
| Johnson City 30 Year USDA | 2022-05-19 | 5.57% |
| Johnson City 30 Year USDA Refi | 2022-05-19 | 5.48% |
| Johnson City 30 Year VA | 2022-05-19 | 5.3% |
| Johnson City 30 Year VA Refi | 2022-05-19 | 5.05% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within JOHNSON CITY, TN.
JOHNSON CITY Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the JOHNSON CITY, 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.).
JOHNSON CITY, TN's 208 lenders originated 7,667
loans during 2021. The total origination value was $1,618,265,000, with an average loan value of
$211,069.
The top JOHNSON CITY lender as defined by loan originations is EASTMAN, with
620 loans originated. Their average total fees are
$3,278, which is $1,339
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee JOHNSON CITY lenders (with over 10 loans originated) are
NORTHEAST COMMUNITY ($1,762), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($2,772), A Mortgage Boutique, LLC ($2,909), BETTER MORTGAGE CORPORATION ($2,951) and FIRST BANCORP, INC. ($2,966).
The lowest rate JOHNSON CITY lenders (with over 10 loans originated) are
Bank of America (2.76%), A Mortgage Boutique, LLC (2.84%), HOME POINT FINANCIAL CORPORATION (2.90%), BETTER MORTGAGE CORPORATION (2.93%) and GMFS LLC (2.93%).
JOHNSON CITY, TN Lender 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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| EASTMAN | $283,485,000 | $259,600,000 | -8.4% | 16.0% |
| QUICKEN LOANS, LLC | $97,825,000 | $118,930,000 | 21.6% | 7.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $86,670,000 | $81,980,000 | -5.4% | 5.1% |
| Bank of Tennessee | $55,455,000 | $79,860,000 | 44.0% | 4.9% |
| MOVEMENT MORTGAGE, LLC | $51,745,000 | $54,575,000 | 5.5% | 3.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $25,645,000 | $44,885,000 | 75.0% | 2.8% |
| FREEDOM MORTGAGE CORPORATION | $45,520,000 | $42,965,000 | -5.6% | 2.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $39,690,000 | $38,905,000 | -2.0% | 2.4% |
| MORTGAGE INVESTORS GROUP, INC. | $41,245,000 | $38,010,000 | -7.8% | 2.3% |
| Sierra Pacific Mortgage Company, Inc. | $4,630,000 | $35,720,000 | 671.5% | 2.2% |
| First Horizon Bank | $41,155,000 | $29,855,000 | -27.5% | 1.8% |
| GUARANTEED RATE, INC. | $16,355,000 | $29,365,000 | 79.5% | 1.8% |
| Elizabethton Federal Savings Bank | $21,310,000 | $27,585,000 | 29.4% | 1.7% |
| LOANDEPOT.COM, LLC | $20,580,000 | $27,250,000 | 32.4% | 1.7% |
| PENNYMAC LOAN SERVICES, LLC | $11,675,000 | $25,975,000 | 122.5% | 1.6% |
| Regions Bank | $22,380,000 | $24,160,000 | 8.0% | 1.5% |
| Mortgage Research Center, LLC | $18,165,000 | $22,425,000 | 23.5% | 1.4% |
| Truist Bank | $23,200,000 | $20,795,000 | -10.4% | 1.3% |
| Wells Fargo Bank | $12,985,000 | $20,565,000 | 58.4% | 1.3% |
| CMG MORTGAGE, INC. | $9,265,000 | $17,365,000 | 87.4% | 1.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $15,595,000 | $16,425,000 | 5.3% | 1.0% |
| BETTER MORTGAGE CORPORATION | $3,885,000 | $15,660,000 | 303.1% | 1.0% |
| Citizens Bank | $11,115,000 | $15,195,000 | 36.7% | 0.9% |
| Renasant Bank | $9,020,000 | $14,650,000 | 62.4% | 0.9% |
| AMERICAN FINANCIAL NETWORK, INC. | $970,000 | $13,890,000 | 1,332.0% | 0.9% |
| FIRST BANCORP, INC. | $19,560,000 | $13,890,000 | -29.0% | 0.9% |
| Mountain Commerce Bank | $13,910,000 | $13,040,000 | -6.3% | 0.8% |
| CONSUMER Credit Union | $5,790,000 | $12,955,000 | 123.7% | 0.8% |
| GREYSTONE SERVICING COMPANY LLC | $12,785,000 | n/a | 0.8% | |
| HANCOCK MORTGAGE PARTNERS, LLC | $10,220,000 | $12,555,000 | 22.8% | 0.8% |
| First Community Bank | $6,025,000 | $12,250,000 | 103.3% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $7,940,000 | $11,150,000 | 40.4% | 0.7% |
| AMERISAVE MORTGAGE CORPORATION | $5,920,000 | $10,580,000 | 78.7% | 0.7% |
| SUCCESS MORTGAGE PARTNERS, INC. | $9,155,000 | $10,540,000 | 15.1% | 0.7% |
| Farm Credit Mid-America, ACA | $7,810,000 | $10,340,000 | 32.4% | 0.6% |
| NORTHEAST COMMUNITY | $7,115,000 | $10,060,000 | 41.4% | 0.6% |
| STOCKTON MORTGAGE CORPORATION | $3,000,000 | $9,615,000 | 220.5% | 0.6% |
| Citizens Bank | $11,115,000 | $8,990,000 | -19.1% | 0.6% |
| Commercial Bank | $3,150,000 | $8,930,000 | 183.5% | 0.6% |
| LAKEVIEW LOAN SERVICING, LLC | $5,400,000 | $8,885,000 | 64.5% | 0.5% |
| HomeTrust Bank | $9,615,000 | $8,530,000 | -11.3% | 0.5% |
| USAA Federal Savings Bank | $8,585,000 | $7,845,000 | -8.6% | 0.5% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,445,000 | $7,565,000 | 423.5% | 0.5% |
| JPMorgan Chase Bank | $4,375,000 | $7,555,000 | 72.7% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $8,875,000 | $7,415,000 | -16.5% | 0.5% |
| U.S. Bank | $5,825,000 | $7,155,000 | 22.8% | 0.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $3,405,000 | $7,130,000 | 109.4% | 0.4% |
| Andrew Johnson Bank | $4,420,000 | $7,090,000 | 60.4% | 0.4% |
| Clinchfield Federal Credit Union | $8,520,000 | $7,065,000 | -17.1% | 0.4% |
| HOME POINT FINANCIAL CORPORATION | $1,275,000 | $6,990,000 | 448.2% | 0.4% |
| NEWREZ LLC | $3,025,000 | $6,675,000 | 120.7% | 0.4% |
| NEW DAY FINANCIAL, LLC | $4,955,000 | $6,295,000 | 27.0% | 0.4% |
| UNION HOME MORTGAGE CORP. | $1,745,000 | $6,080,000 | 248.4% | 0.4% |
| Appalachian Community Federal Credit Union | $1,830,000 | $5,775,000 | 215.6% | 0.4% |
| Bank of America | $4,000,000 | $5,735,000 | 43.4% | 0.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $6,860,000 | $5,735,000 | -16.4% | 0.4% |
| CALIBER HOME LOANS, INC. | $6,610,000 | $5,720,000 | -13.5% | 0.4% |
| GMFS LLC | $4,000,000 | $5,490,000 | 37.3% | 0.3% |
| BROKER SOLUTIONS, INC. | $1,650,000 | $5,305,000 | 221.5% | 0.3% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | $4,605,000 | $5,250,000 | 14.0% | 0.3% |
| Community First Bank, Inc. | $5,040,000 | n/a | 0.3% | |
| Gateway First Bank | $2,310,000 | $4,905,000 | 112.3% | 0.3% |
| PENTAGON FEDERAL CREDIT UNION | $1,265,000 | $4,905,000 | 287.7% | 0.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | $7,540,000 | $4,820,000 | -36.1% | 0.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | $3,115,000 | $4,770,000 | 53.1% | 0.3% |
| First Community Bank of East Tennessee | $3,070,000 | $4,765,000 | 55.2% | 0.3% |
| New Peoples Bank, Inc. | $1,025,000 | $4,755,000 | 363.9% | 0.3% |
| Pinnacle Bank | $6,070,000 | $4,300,000 | -29.2% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $6,805,000 | $4,160,000 | -38.9% | 0.3% |
| SUN WEST MORTGAGE COMPANY, INC. | $2,215,000 | $3,755,000 | 69.5% | 0.2% |
| First-Citizens Bank & Trust Company | $1,700,000 | $3,295,000 | 93.8% | 0.2% |
| INTERLINC MORTGAGE SERVICES, LLC | $185,000 | $3,280,000 | 1,673.0% | 0.2% |
| MORTGAGE ACCESS CORP. | $1,805,000 | $3,205,000 | 77.6% | 0.2% |
| STATE EMPLOYEES' | $3,645,000 | $2,930,000 | -19.6% | 0.2% |
| InterContinental Capital Group, Inc | $2,560,000 | $2,925,000 | 14.3% | 0.2% |
| AMERICAN FINANCING CORPORATION | $955,000 | $2,910,000 | 204.7% | 0.2% |
| DHI MORTGAGE COMPANY, LTD. | $2,550,000 | $2,700,000 | 5.9% | 0.2% |
| United Community Bank | $505,000 | $2,695,000 | 433.7% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,650,000 | $2,670,000 | 61.8% | 0.2% |
| A Mortgage Boutique, LLC | $6,020,000 | $2,665,000 | -55.7% | 0.2% |
| First Guaranty Mortgage Corporation | $745,000 | $2,650,000 | 255.7% | 0.2% |
| Arbor Realty Trust, Inc. | $2,345,000 | n/a | 0.1% | |
| Southern Bank | $4,240,000 | $2,305,000 | -45.6% | 0.1% |
| AmeriHome Mortgage Company, LLC | $1,685,000 | $2,180,000 | 29.4% | 0.1% |
| PNC Bank | $610,000 | $2,090,000 | 242.6% | 0.1% |
| CHERRY CREEK MORTGAGE, LLC | $690,000 | $1,990,000 | 188.4% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $405,000 | $1,990,000 | 391.4% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $900,000 | $1,985,000 | 120.6% | 0.1% |
| Powell Valley National Bank | $445,000 | $1,910,000 | 329.2% | 0.1% |
| Carrington Mortgage Services, LLC | $1,040,000 | $1,845,000 | 77.4% | 0.1% |
| CLEARPATH LENDING | $4,020,000 | $1,835,000 | -54.4% | 0.1% |
| Fifth Third Bank | $535,000 | $1,730,000 | 223.4% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $1,040,000 | $1,715,000 | 64.9% | 0.1% |
| Flagstar Bank, FSB | $2,150,000 | $1,650,000 | -23.3% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,240,000 | $1,640,000 | -26.8% | 0.1% |
| Ally Bank | $1,530,000 | $1,610,000 | 5.2% | 0.1% |
| The Federal Savings Bank | $3,545,000 | $1,570,000 | -55.7% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $1,915,000 | $1,565,000 | -18.3% | 0.1% |
| STEARNS LENDING, LLC | $1,895,000 | $1,490,000 | -21.4% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,455,000 | n/a | 0.1% | |
| Wyndham Capital Mortgage, Inc. | $1,540,000 | $1,440,000 | -6.5% | 0.1% |
| NBKC BANK | $425,000 | $1,410,000 | 231.8% | 0.1% |
| THE TENNESSEE CREDIT UNION | $470,000 | $1,390,000 | 195.7% | 0.1% |
| PLANET HOME LENDING, LLC | $915,000 | $1,345,000 | 47.0% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $760,000 | $1,295,000 | 70.4% | 0.1% |
| The Bank of Marion | $1,865,000 | $1,280,000 | -31.4% | 0.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $4,345,000 | $1,265,000 | -70.9% | 0.1% |
| Deere Employees Credit Union | $1,260,000 | n/a | 0.1% | |
| AMERICAN ADVISORS GROUP | $965,000 | $1,255,000 | 30.1% | 0.1% |
| Mid-Continent Funding, Inc. | $185,000 | $1,210,000 | 554.1% | 0.1% |
| KELLER MORTGAGE, LLC | $1,530,000 | $1,195,000 | -21.9% | 0.1% |
| Morgan Stanley Private Bank | $515,000 | $1,180,000 | 129.1% | 0.1% |
| SOFI LENDING CORP. | $305,000 | $1,155,000 | 278.7% | 0.1% |
| Northpointe Bank | $1,125,000 | n/a | 0.1% | |
| LIMA ONE CAPITAL, LLC | $1,110,000 | n/a | 0.1% | |
| City National Bank | $1,085,000 | n/a | 0.1% | |
| The Huntington National Bank | $510,000 | $1,065,000 | 108.8% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $1,030,000 | $1,050,000 | 1.9% | 0.1% |
| Cf Bank | $365,000 | $1,045,000 | 186.3% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $750,000 | $1,010,000 | 34.7% | 0.1% |
| NP, Inc. | $675,000 | $935,000 | 38.5% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $215,000 | $920,000 | 327.9% | 0.1% |
| ZILLOW HOME LOANS, LLC | $145,000 | $900,000 | 520.7% | 0.1% |
| CU COMMUNITY, LLC | $1,170,000 | $895,000 | -23.5% | 0.1% |
| Nations Lending Corporation | $1,535,000 | $890,000 | -42.0% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $855,000 | n/a | 0.1% | |
| NATIONAL BANKSHARES, INC. | $855,000 | n/a | 0.1% | |
| Discover Bank | $110,000 | $820,000 | 645.5% | 0.1% |
| NFM, INC. | $800,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $1,410,000 | $780,000 | -44.7% | 0.0% |
| Florida Capital Bank | $145,000 | $770,000 | 431.0% | 0.0% |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | $65,000 | $760,000 | 1,069.2% | 0.0% |
| CapStar Bank | $745,000 | n/a | 0.0% | |
| Axos Bank | $425,000 | $740,000 | 74.1% | 0.0% |
| ENRICHMENT | $735,000 | n/a | 0.0% | |
| Low VA Rates, LLC | $1,220,000 | $735,000 | -39.8% | 0.0% |
| Legacy Home Loans, LLC | $725,000 | n/a | 0.0% | |
| ISERVE RESIDENTIAL LENDING, LLC | $1,980,000 | $715,000 | -63.9% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $545,000 | $700,000 | 28.4% | 0.0% |
| 21ST MORTGAGE CORPORATION | $270,000 | $695,000 | 157.4% | 0.0% |
| Baxter Credit Union | $695,000 | n/a | 0.0% | |
| Community Bank of Mississippi | $690,000 | n/a | 0.0% | |
| ROSS MORTGAGE CORPORATION | $685,000 | n/a | 0.0% | |
| Kingsport Press Credit Union | $630,000 | $675,000 | 7.1% | 0.0% |
| TJC Mortgage, Inc. | $445,000 | $670,000 | 50.6% | 0.0% |
| Bank of England | $410,000 | $665,000 | 62.2% | 0.0% |
| THOMPSON KANE & COMPANY, LLC | $665,000 | n/a | 0.0% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $655,000 | n/a | 0.0% | |
| FirstBank | $1,480,000 | $655,000 | -55.7% | 0.0% |
| The Park National Bank | $655,000 | n/a | 0.0% | |
| Strong Home Mortgage, LLC | $650,000 | n/a | 0.0% | |
| ANGEL OAK HOME LOANS LLC | $215,000 | $645,000 | 200.0% | 0.0% |
| TOWNE MORTGAGE COMPANY | $55,000 | $615,000 | 1,018.2% | 0.0% |
| LADERA LENDING, INC. | $610,000 | n/a | 0.0% | |
| LENDUS, LLC | $600,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $1,420,000 | $570,000 | -59.9% | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $390,000 | $565,000 | 44.9% | 0.0% |
| Watermark Capital, Inc. | $565,000 | n/a | 0.0% | |
| BNC National Bank | $680,000 | $560,000 | -17.6% | 0.0% |
| ACCELERATE MORTGAGE, LLC | $550,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $545,000 | n/a | 0.0% | |
| Y-12 Federal Credit Union | $1,065,000 | $540,000 | -49.3% | 0.0% |
| Colonial Savings, F.A. | $535,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $165,000 | $520,000 | 215.2% | 0.0% |
| GENEVA FINANCIAL, LLC | $4,060,000 | $520,000 | -87.2% | 0.0% |
| MILEND, INC. | $520,000 | n/a | 0.0% | |
| ENDEAVOR CAPITAL, LLC. | $625,000 | $505,000 | -19.2% | 0.0% |
| SmartBank | $515,000 | $490,000 | -4.9% | 0.0% |
| GUILD MORTGAGE COMPANY | $465,000 | $485,000 | 4.3% | 0.0% |
| Magnolia Bank | $790,000 | $480,000 | -39.2% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $610,000 | $470,000 | -23.0% | 0.0% |
| EMBRACE HOME LOANS, INC. | $410,000 | $450,000 | 9.8% | 0.0% |
| Chicago Mortgage Solutions LLC | $445,000 | n/a | 0.0% | |
| WINNPOINTE CORPORATION | $455,000 | $445,000 | -2.2% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $1,475,000 | $440,000 | -70.2% | 0.0% |
| North American Savings Bank, F.S.B. | $2,145,000 | $440,000 | -79.5% | 0.0% |
| APCI Federal Credit Union | $215,000 | $425,000 | 97.7% | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | $425,000 | n/a | 0.0% | |
| Bank of the West | $415,000 | n/a | 0.0% | |
| First National Bank of Pennsylvania | $235,000 | $415,000 | 76.6% | 0.0% |
| KeyBank | $415,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $465,000 | $410,000 | -11.8% | 0.0% |
| FIRST NORTHERN Credit Union | $405,000 | n/a | 0.0% | |
| Georgia Banking Company | $405,000 | n/a | 0.0% | |
| Progress Bank and Trust | $405,000 | n/a | 0.0% | |
| First Mortgage Solutions, LLC | $265,000 | $395,000 | 49.1% | 0.0% |
| Reliant Bank | $395,000 | n/a | 0.0% | |
| First Federal Bank | $975,000 | $390,000 | -60.0% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $390,000 | n/a | 0.0% | |
| BAY EQUITY LLC | $135,000 | $385,000 | 185.2% | 0.0% |
| CRESCENT MORTGAGE COMPANY | $1,590,000 | $380,000 | -76.1% | 0.0% |
| KS StateBank | $490,000 | $380,000 | -22.4% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $175,000 | $380,000 | 117.1% | 0.0% |
| FIRST SOUTH FINANCIAL | $375,000 | n/a | 0.0% | |
| ACOPIA, LLC | $370,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $370,000 | n/a | 0.0% | |
| Wolfe Financial, Inc | $370,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $350,000 | n/a | 0.0% | |
| Apex Bank | $320,000 | $345,000 | 7.8% | 0.0% |
| Rock Canyon Bank | $345,000 | n/a | 0.0% | |
| TIAA, FSB | $875,000 | $345,000 | -60.6% | 0.0% |
| JLB CORPORATION | $340,000 | n/a | 0.0% | |
| Atlantic Coast Mortgage, LLC | $315,000 | n/a | 0.0% | |
| BKCO MORTGAGE, LLC | $315,000 | n/a | 0.0% | |
| GUIDANCE RESIDENTIAL, LLC | $245,000 | $315,000 | 28.6% | 0.0% |
| Horizon Credit Union | $65,000 | $305,000 | 369.2% | 0.0% |
| RADIUS FINANCIAL GROUP INC. | $305,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $105,000 | $305,000 | 190.5% | 0.0% |
| WESTERN EXPRESS LENDING | $205,000 | $305,000 | 48.8% | 0.0% |
| Alcova Mortgage LLC | $300,000 | n/a | 0.0% | |
| Citibank | $465,000 | $300,000 | -35.5% | 0.0% |
| ORNL Federal Credit Union | $1,650,000 | $300,000 | -81.8% | 0.0% |
| LENDINGONE, LLC | $295,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $285,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $285,000 | n/a | 0.0% | |
| DRAPER AND KRAMER MORTGAGE CORP. | $760,000 | $285,000 | -62.5% | 0.0% |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $285,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $285,000 | n/a | 0.0% | |
| American Security Mortgage Corp. | $265,000 | n/a | 0.0% | |
| Amerifirst Financial, Inc. | $265,000 | n/a | 0.0% | |
| Austin Capital Bank SSB | $265,000 | n/a | 0.0% | |
| Prime Choice Funding Inc. | $235,000 | $265,000 | 12.8% | 0.0% |
| SIRVA MORTGAGE, INC. | $265,000 | n/a | 0.0% | |
| SRE MORTGAGE ALLIANCE INC. | $480,000 | $265,000 | -44.8% | 0.0% |
| Community Trust Bank, Inc. | $255,000 | n/a | 0.0% | |
| COMPASS MORTGAGE, INC. | $255,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $255,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $110,000 | $250,000 | 127.3% | 0.0% |
| 1st Franklin Financial Corporation | $75,000 | $245,000 | 226.7% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $590,000 | $240,000 | -59.3% | 0.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $235,000 | n/a | 0.0% | |
| Bank & Trust Company | $235,000 | n/a | 0.0% | |
| Manufacturers and Traders Trust Company | $105,000 | $235,000 | 123.8% | 0.0% |
| Palmetto Citizens Federal Credit Union | $235,000 | n/a | 0.0% | |
| CIVIC FINANCIAL SERVICES, LLC | $310,000 | $230,000 | -25.8% | 0.0% |
| SeaTrust Mortgage Company | $230,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $75,000 | $215,000 | 186.7% | 0.0% |
| Peoples Bank of the South | $245,000 | $210,000 | -14.3% | 0.0% |
| ACADEMY MORTGAGE CORPORATION | $285,000 | $205,000 | -28.1% | 0.0% |
| City Bank | $205,000 | n/a | 0.0% | |
| Countybank | $280,000 | $205,000 | -26.8% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $430,000 | $205,000 | -52.3% | 0.0% |
| RANLIFE, INC. | $155,000 | $205,000 | 32.3% | 0.0% |
| Sunflower Bank | $205,000 | n/a | 0.0% | |
| Tyndall Federal Credit Union | $205,000 | n/a | 0.0% | |
| Arvest Bank | $195,000 | n/a | 0.0% | |
| ATHAS CAPITAL GROUP, INC. | $185,000 | n/a | 0.0% | |
| First Bank & Trust | $185,000 | n/a | 0.0% | |
| Plains Commerce Bank | $155,000 | $185,000 | 19.4% | 0.0% |
| Prosperity Home Mortgage, LLC | $105,000 | $185,000 | 76.2% | 0.0% |
| Waterstone Mortgage Corporation | $185,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $175,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $175,000 | n/a | 0.0% | |
| SOUTHWEST FUNDING, LP | $235,000 | $175,000 | -25.5% | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | $175,000 | n/a | 0.0% | |
| U. T. | $175,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $165,000 | n/a | 0.0% | |
| Associated Credit Union | $165,000 | n/a | 0.0% | |
| BankPlus | $165,000 | n/a | 0.0% | |
| DIRECT LENDERS, LLC | $165,000 | n/a | 0.0% | |
| First American Bank | $165,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $165,000 | n/a | 0.0% | |
| NASA Federal Credit Union | $165,000 | n/a | 0.0% | |
| Towne Bank | $670,000 | $165,000 | -75.4% | 0.0% |
| Wilson Bank And Trust | $165,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $165,000 | $160,000 | -3.0% | 0.0% |
| Atlantic Union Bank | $265,000 | $155,000 | -41.5% | 0.0% |
| DUPACO COMMUNITY | $155,000 | n/a | 0.0% | |
| First Savings Bank | $155,000 | n/a | 0.0% | |
| GREAT LAKES | $155,000 | n/a | 0.0% | |
| Home Federal Bank of Tennessee | $375,000 | $155,000 | -58.7% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $155,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $155,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $310,000 | $145,000 | -53.2% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $145,000 | n/a | 0.0% | |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $145,000 | n/a | 0.0% | |
| Trustmark National Bank | $310,000 | $145,000 | -53.2% | 0.0% |
| UNIFY FINANCIAL Credit Union | $145,000 | n/a | 0.0% | |
| UNITED | $560,000 | $145,000 | -74.1% | 0.0% |
| Ameris Bank | $1,195,000 | $135,000 | -88.7% | 0.0% |
| Princeton Mortgage Corporation | $135,000 | n/a | 0.0% | |
| AmRes Corporation | $125,000 | n/a | 0.0% | |
| ARC HOME LLC | $125,000 | n/a | 0.0% | |
| BancorpSouth Bank | $750,000 | $125,000 | -83.3% | 0.0% |
| First Community Bank | $6,025,000 | $125,000 | -97.9% | 0.0% |
| Fortress Bank | $125,000 | n/a | 0.0% | |
| GFA Federal Credit Union | $125,000 | n/a | 0.0% | |
| POLARIS HOME FUNDING CORP. | $125,000 | n/a | 0.0% | |
| Republic Bank & Trust Company | $425,000 | $125,000 | -70.6% | 0.0% |
| STANDARD MORTGAGE CORPORATION | $125,000 | n/a | 0.0% | |
| CASTLE & COOKE MORTGAGE, LLC | $115,000 | n/a | 0.0% | |
| STANFORD Federal Credit Union | $105,000 | n/a | 0.0% | |
| WESCOM CENTRAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| BOKF | $95,000 | n/a | 0.0% | |
| CANOPY MORTGAGE, LLC | $85,000 | n/a | 0.0% | |
| LOANPAL, LLC | $85,000 | n/a | 0.0% | |
| MCLEAN MORTGAGE CORPORATION | $85,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $85,000 | n/a | 0.0% | |
| SHARONVIEW FEDERAL CREDIT UNION | $75,000 | n/a | 0.0% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $145,000 | $65,000 | -55.2% | 0.0% |
| Figure Lending LLC | $300,000 | $50,000 | -83.3% | 0.0% |
JOHNSON CITY's top lender by overall market share is EASTMAN, with 16.0% market share. In second place, with 7.3%, is QUICKEN LOANS, LLC, having originated $118,930,000 in loans. In third place, with 5.1%, is CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP, having originated $81,980,000 in loans. In third place, with 4.9%, is Bank of Tennessee, having originated $79,860,000 in loans. In third place, with 3.4%, is MOVEMENT MORTGAGE, LLC, having originated $54,575,000 in loans.
JOHNSON CITY, TN Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 3,300 | $829,470,000 | $251,355 |
| Refi | 2,287 | $461,375,000 | $201,738 |
| Cash Out Refi | 1,450 | $270,460,000 | $186,524 |
| Home Improvement | 360 | $30,720,000 | $85,333 |
| Other | 270 | $26,240,000 | $97,185 |
Johnson City's most frequently cited loan purpose was Home Purchase, with 3,300 originations. The 2nd most popular reason was Refi, with 2,287 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 2,979 | $612,435,000 | $205,584 |
| 2.5-3% | 2,450 | $530,060,000 | $216,351 |
| <2.5% | 1,097 | $245,045,000 | $223,377 |
| 4-5% | 562 | $117,430,000 | $208,950 |
| 5-6% | 119 | $16,035,000 | $134,748 |
| Over 8% | 58 | $4,140,000 | $71,379 |
| 6-7% | 40 | $4,370,000 | $109,250 |
| 7-8% | 17 | $1,565,000 | $92,059 |
During 2021, Johnson City's most frequently originated rate bucket was 3-4%, with 2,979 originations.
Loan Sizing (JOHNSON CITY, TN MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 3,339 | $490,385,000 | $146,866 |
| $200k-400k | 2,384 | $641,110,000 | $268,922 |
| $100,000 or less | 1,387 | $89,615,000 | $64,611 |
| $400k-600k | 398 | $188,780,000 | $474,322 |
| $600k-1000k | 115 | $85,885,000 | $746,826 |
| $Over $1MM | 44 | $122,490,000 | $2,783,864 |
JOHNSON CITY's loan sizing saw the bucket of loans from $100k-200k with 3,339 originations, totaling $490,385,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 2,883 | $658,215,000 | $228,309 |
| 60-80% | 2,241 | $533,595,000 | $238,106 |
| 40-60% | 926 | $170,410,000 | $184,028 |
| 20-40% | 505 | $51,615,000 | $102,208 |
| Under 20% | 307 | $16,155,000 | $52,622 |
| Over 100% | 122 | $35,170,000 | $288,279 |
JOHNSON CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,883 originations, totaling $658,215,000 in origination value.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - JOHNSON CITY (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 | $197,450 (8.3%) | $274,809 (12.3%) | 0.73 | 764 |
| 2018-02-01 | $199,900 (8.1%) | $274,711 (10.7%) | 0.72 | 735 |
| 2018-03-01 | $202,500 (9.5%) | $283,425 (14.5%) | 0.70 | 746 |
| 2018-04-01 | $210,000 (10.6%) | $291,238 (15.0%) | 0.70 | 733 |
| 2018-05-01 | $224,900 (18.4%) | $297,311 (16.7%) | 0.75 | 742 |
| 2018-06-01 | $225,000 (18.5%) | $298,019 (17.0%) | 0.75 | 802 |
| 2018-07-01 | $218,450 (12.1%) | $292,758 (13.1%) | 0.73 | 826 |
| 2018-08-01 | $215,000 (8.0%) | $293,925 (13.0%) | 0.72 | 859 |
| 2018-09-01 | $215,000 (7.6%) | $288,686 (10.3%) | 0.72 | 887 |
| 2018-10-01 | $208,350 (3.8%) | $280,287 (4.7%) | 0.70 | 891 |
| 2018-11-01 | $208,000 (4.4%) | $274,901 (4.4%) | 0.70 | 907 |
| 2018-12-01 | $198,250 (-0.8%) | $269,603 (-0.1%) | 0.68 | 857 |
| 2019-01-01 | $192,400 (-2.6%) | $268,504 (-2.3%) | 0.66 | 791 |
| 2019-02-01 | $189,000 (-5.5%) | $264,153 (-3.8%) | 0.63 | 785 |
| 2019-03-01 | $198,943 (-1.8%) | $281,508 (-0.7%) | 0.65 | 705 |
| 2019-04-01 | $217,450 (3.6%) | $302,027 (3.7%) | 0.68 | 617 |
| 2019-05-01 | $231,950 (3.1%) | $308,373 (3.7%) | 0.71 | 632 |
| 2019-06-01 | $229,900 (2.2%) | $318,283 (6.8%) | 0.71 | 634 |
| 2019-07-01 | $229,900 (5.2%) | $316,954 (8.3%) | 0.71 | 661 |
| 2019-08-01 | $229,043 (6.5%) | $314,298 (6.9%) | 0.72 | 657 |
| 2019-09-01 | $228,543 (6.3%) | $315,808 (9.4%) | 0.73 | 652 |
| 2019-10-01 | $237,450 (14.0%) | $321,288 (14.6%) | 0.76 | 661 |
| 2019-11-01 | $215,000 (3.4%) | $290,366 (5.6%) | 0.69 | 834 |
| 2019-12-01 | $229,900 (16.0%) | $318,286 (18.1%) | 0.77 | 578 |
| 2020-01-01 | $238,900 (24.2%) | $322,531 (20.1%) | 0.80 | 516 |
| 2020-02-01 | $245,000 (29.6%) | $331,494 (25.5%) | 0.79 | 480 |
| 2020-03-01 | $249,700 (25.5%) | $341,353 (21.3%) | 0.78 | 440 |
| 2020-04-01 | $258,950 (19.1%) | $337,902 (11.9%) | 0.81 | 402 |
| 2020-05-01 | $274,900 (18.5%) | $348,254 (12.9%) | 0.83 | 362 |
| 2020-06-01 | $265,000 (15.3%) | $344,406 (8.2%) | 0.77 | 346 |
| 2020-07-01 | $264,900 (15.2%) | $373,268 (17.8%) | 0.76 | 328 |
| 2020-08-01 | $284,000 (24.0%) | $388,725 (23.7%) | 0.81 | 315 |
| 2020-09-01 | $288,000 (26.0%) | $404,285 (28.0%) | 0.82 | 304 |
| 2020-10-01 | $279,900 (17.9%) | $395,722 (23.2%) | 0.80 | 323 |
| 2020-11-01 | $279,950 (30.2%) | $407,943 (40.5%) | 0.80 | 292 |
| 2020-12-01 | $281,950 (22.6%) | $401,788 (26.2%) | 0.83 | 279 |
| 2021-01-01 | $275,000 (15.1%) | $385,452 (19.5%) | 0.81 | 223 |
| 2021-02-01 | $277,000 (13.1%) | $412,043 (24.3%) | 0.80 | 168 |
| 2021-03-01 | $299,900 (20.1%) | $449,121 (31.6%) | 0.84 | 152 |
| 2021-04-01 | $309,900 (19.7%) | $462,756 (37.0%) | 0.83 | 156 |
| 2021-05-01 | $299,900 (9.1%) | $475,080 (36.4%) | 0.79 | 173 |
| 2021-06-01 | $298,000 (12.5%) | $422,014 (22.5%) | 0.77 | 197 |
| 2021-07-01 | $262,000 (-1.1%) | $413,135 (10.7%) | 0.68 | 201 |
| 2021-08-01 | $299,000 (5.3%) | $457,153 (17.6%) | 0.79 | 236 |
| 2021-09-01 | $294,450 (2.2%) | $470,286 (16.3%) | 0.77 | 244 |
| 2021-10-01 | $299,900 (7.2%) | $449,921 (13.7%) | 0.79 | 278 |
| 2021-11-01 | $317,450 (13.4%) | $482,898 (18.4%) | 0.84 | 229 |
| 2021-12-01 | $315,000 (11.7%) | $482,984 (20.2%) | 0.84 | 191 |
| 2022-01-01 | $324,900 (18.2%) | $507,493 (31.7%) | 0.87 | 142 |
| 2022-02-01 | $372,450 (34.5%) | $550,689 (33.7%) | 0.95 | 116 |
| 2022-03-01 | $350,000 (16.7%) | $513,265 (14.3%) | 0.86 | 138 |
| 2022-04-01 | $364,900 (17.8%) | $528,413 (14.2%) | 0.86 | 150 |
JOHNSON CITY's median listing price for 2022-04-01 was $364,900, a difference of
$55,000
(17.8%) versus the prior year and
$14,900 versus the prior month.
JOHNSON CITY's median listing price comes in at 86% of the national average.
JOHNSON CITY's average listing price for 2022-04-01 was $528,413, a difference of $65,657 (14.2%) versus the prior year and $15,148 versus the prior month.
For the 2022-04-01 period, JOHNSON CITY had 150 MLS listings, a difference of 12 listings (9%) versus the prior month and -6 listings (-4%) versus the prior year.
JOHNSON CITY's median listing price comes in at 86% of the national average.
JOHNSON CITY's average listing price for 2022-04-01 was $528,413, a difference of $65,657 (14.2%) versus the prior year and $15,148 versus the prior month.
For the 2022-04-01 period, JOHNSON CITY had 150 MLS listings, a difference of 12 listings (9%) versus the prior month and -6 listings (-4%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - JOHNSON CITY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 96 days | 1,997 sqft |
| 2018-02-01 | 93 days | 1,965 sqft |
| 2018-03-01 | 74 days | 1,958 sqft |
| 2018-04-01 | 68 days | 1,999 sqft |
| 2018-05-01 | 68 days | 2,048 sqft |
| 2018-06-01 | 58 days | 2,100 sqft |
| 2018-07-01 | 65 days | 2,106 sqft |
| 2018-08-01 | 68 days | 2,042 sqft |
| 2018-09-01 | 68 days | 2,061 sqft |
| 2018-10-01 | 75 days | 2,028 sqft |
| 2018-11-01 | 79 days | 1,915 sqft |
| 2018-12-01 | 92 days | 1,904 sqft |
| 2019-01-01 | 99 days | 1,833 sqft |
| 2019-02-01 | 99 days | 1,834 sqft |
| 2019-03-01 | 78 days | 1,910 sqft |
| 2019-04-01 | 64 days | 1,994 sqft |
| 2019-05-01 | 56 days | 2,056 sqft |
| 2019-06-01 | 62 days | 2,069 sqft |
| 2019-07-01 | 63 days | 2,072 sqft |
| 2019-08-01 | 63 days | 2,035 sqft |
| 2019-09-01 | 67 days | 2,026 sqft |
| 2019-10-01 | 67 days | 2,083 sqft |
| 2019-11-01 | 67 days | 2,028 sqft |
| 2019-12-01 | 83 days | 2,090 sqft |
| 2020-01-01 | 96 days | 2,095 sqft |
| 2020-02-01 | 93 days | 2,047 sqft |
| 2020-03-01 | 63 days | 2,032 sqft |
| 2020-04-01 | 59 days | 2,040 sqft |
| 2020-05-01 | 67 days | 2,028 sqft |
| 2020-06-01 | 54 days | 1,991 sqft |
| 2020-07-01 | 52 days | 1,996 sqft |
| 2020-08-01 | 46 days | 2,030 sqft |
| 2020-09-01 | 44 days | 2,040 sqft |
| 2020-10-01 | 43 days | 2,000 sqft |
| 2020-11-01 | 47 days | 2,043 sqft |
| 2020-12-01 | 53 days | 1,988 sqft |
| 2021-01-01 | 64 days | 1,949 sqft |
| 2021-02-01 | 50 days | 1,915 sqft |
| 2021-03-01 | 33 days | 2,078 sqft |
| 2021-04-01 | 29 days | 2,157 sqft |
| 2021-05-01 | 21 days | 2,056 sqft |
| 2021-06-01 | 26 days | 1,987 sqft |
| 2021-07-01 | 25 days | 1,850 sqft |
| 2021-08-01 | 25 days | 1,936 sqft |
| 2021-09-01 | 31 days | 1,922 sqft |
| 2021-10-01 | 34 days | 1,821 sqft |
| 2021-11-01 | 45 days | 1,802 sqft |
| 2021-12-01 | 56 days | 1,844 sqft |
| 2022-01-01 | 60 days | 1,790 sqft |
| 2022-02-01 | 40 days | 1,919 sqft |
| 2022-03-01 | 27 days | 1,896 sqft |
| 2022-04-01 | 25 days | 1,894 sqft |
JOHNSON CITY's median listing age (time on market) for 2022-04-01 was 25 days.
This
is -12%
shorter
than the same period one year ago.
JOHNSON CITY's median square footage for active listings during the 2022-04-01 period was 1,894 sqft. One year prior, the average listing was 2,157 sqft.
JOHNSON CITY's median square footage for active listings during the 2022-04-01 period was 1,894 sqft. One year prior, the average listing was 2,157 sqft.
