JOHNSON CITY Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Johnson City averaged
7.02%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.95% and
one month ago for the week of 2025-05-15, the
average rate was 7.02%.
Johnson City's average rate one year ago was 7.16%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.09%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Johnson City 30 Year Fixed Rate | 2025-06-18 | 7.02% |
| Johnson City 30 Year Fixed Rate Refi | 2025-06-18 | 7.09% |
| Johnson City 15 Year Fixed Rate | 2025-06-18 | 6.55% |
| Johnson City 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Johnson City 30 Year FHA | 2025-06-18 | -0.04% |
| Johnson City 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Johnson City 30 Year USDA | 2025-06-18 | 0% |
| Johnson City 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Johnson City 30 Year VA | 2025-06-18 | 0.26% |
| Johnson City 30 Year VA Refi | 2025-06-18 | -0.22% |
JOHNSON CITY 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 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 Average Closing Costs & Other Stats
JOHNSON CITY, TN's 155 lenders originated 4,440
loans during 2024. The total origination value was $1,179,310,000, with an average loan value of
$265,610.
JOHNSON CITY's average closing costs are $5,073.
The top JOHNSON CITY lender as defined by loan originations is EASTMAN, with
325 loans originated. Their average total fees are
$4,799, which is $60
lower than the next largest lender,
MOVEMENT MORTGAGE, LLC.
The lowest fee JOHNSON CITY lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($2,144), Regions Bank ($4,382), First Horizon Bank ($4,407), FIRST BANCORP ($4,621) and EASTMAN ($4,799).
The lowest rate JOHNSON CITY lenders (with over 10 loans originated) are
NAVY FEDERAL CREDIT UNION (6.11%), CONSUMER Credit Union (6.23%), DHI MORTGAGE COMPANY, LTD. (6.55%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.56%) and First Horizon Bank (6.58%).
JOHNSON CITY, 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 |
|---|---|---|---|---|
| EASTMAN | $173,210,000 | $199,655,000 | 15.3% | 16.9% |
| MOVEMENT MORTGAGE, LLC | $43,065,000 | $66,180,000 | 53.7% | 5.6% |
| WALKER & DUNLOP, LLC | $14,100,000 | $63,985,000 | 353.8% | 5.4% |
| QUICKEN LOANS, LLC | $45,775,000 | $55,415,000 | 21.1% | 4.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $26,975,000 | $50,170,000 | 86.0% | 4.3% |
| Citizens Bank | $2,655,000 | $43,750,000 | 1,547.8% | 3.7% |
| Bank of Tennessee | $37,045,000 | $37,460,000 | 1.1% | 3.2% |
| COLLIERS MORTGAGE LLC | $34,600,000 | n/a | 2.9% | |
| DHI MORTGAGE COMPANY, LTD. | $10,545,000 | $25,225,000 | 139.2% | 2.1% |
| Elizabethton Federal Savings Bank | $13,765,000 | $24,220,000 | 76.0% | 2.1% |
| Regions Bank | $16,125,000 | $23,295,000 | 44.5% | 2.0% |
| First Horizon Bank | $38,155,000 | $23,290,000 | -39.0% | 2.0% |
| MORTGAGE INVESTORS GROUP, INC. | $18,080,000 | $20,820,000 | 15.2% | 1.8% |
| Sierra Pacific Mortgage Company, Inc. | $17,090,000 | $20,370,000 | 19.2% | 1.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $18,395,000 | $20,090,000 | 9.2% | 1.7% |
| Mortgage Research Center, LLC | $17,080,000 | $19,695,000 | 15.3% | 1.7% |
| CARDINAL FINANCIAL | $21,040,000 | $15,820,000 | -24.8% | 1.3% |
| GVC MORTGAGE, INC. | $6,710,000 | $12,990,000 | 93.6% | 1.1% |
| FREEDOM MORTGAGE CORPORATION | $5,080,000 | $12,005,000 | 136.3% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $7,460,000 | $11,565,000 | 55.0% | 1.0% |
| GREYSTONE SERVICING COMPANY LLC | $1,675,000 | $11,505,000 | 586.9% | 1.0% |
| FIRST BANCORP | $9,545,000 | $11,305,000 | 18.4% | 1.0% |
| Truist | $6,805,000 | $10,865,000 | 59.7% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $5,040,000 | $10,655,000 | 111.4% | 0.9% |
| ROSS MORTGAGE CORPORATION | $5,935,000 | $10,190,000 | 71.7% | 0.9% |
| Farm Credit Mid-America, ACA | $6,760,000 | $9,840,000 | 45.6% | 0.8% |
| Mountain Commerce Bank | $3,920,000 | $8,330,000 | 112.5% | 0.7% |
| ALAMEDA MORTGAGE CORPORATION | $8,735,000 | $8,305,000 | -4.9% | 0.7% |
| Renasant Bank | $7,370,000 | $8,015,000 | 8.8% | 0.7% |
| CONSUMER Credit Union | $8,470,000 | $7,950,000 | -6.1% | 0.7% |
| USAA Federal Savings Bank | $3,785,000 | $7,275,000 | 92.2% | 0.6% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $7,455,000 | $6,400,000 | -14.2% | 0.5% |
| ORIX REAL ESTATE CAPITAL, LLC | $6,245,000 | n/a | 0.5% | |
| Commercial Bank | $15,365,000 | $6,160,000 | -59.9% | 0.5% |
| CMG MORTGAGE, INC. | $7,445,000 | $6,075,000 | -18.4% | 0.5% |
| LOANDEPOT.COM, LLC | $4,705,000 | $6,000,000 | 27.5% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,395,000 | $5,605,000 | 134.0% | 0.5% |
| Valley National Bank | $3,405,000 | $5,505,000 | 61.7% | 0.5% |
| HomeTrust Bank | $3,905,000 | $5,415,000 | 38.7% | 0.5% |
| Appalachian Community Federal Credit Union | $2,100,000 | $5,295,000 | 152.1% | 0.4% |
| Clinchfield Federal Credit Union | $3,625,000 | $5,220,000 | 44.0% | 0.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $145,000 | $5,100,000 | 3,417.2% | 0.4% |
| Andrew Johnson Bank | $5,965,000 | $5,070,000 | -15.0% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,450,000 | $4,810,000 | 96.3% | 0.4% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $4,645,000 | n/a | 0.4% | |
| GUARANTEED RATE, INC. | $4,330,000 | $4,550,000 | 5.1% | 0.4% |
| Century Mortgage Company DBA Century Lending Company | $3,075,000 | $4,510,000 | 46.7% | 0.4% |
| DELMAR FINANCIAL COMPANY | $1,095,000 | $4,295,000 | 292.2% | 0.4% |
| NORTHEAST COMMUNITY | $8,290,000 | $4,225,000 | -49.0% | 0.4% |
| Bank of America | $1,730,000 | $4,150,000 | 139.9% | 0.4% |
| BROKER SOLUTIONS, INC. | $2,245,000 | $4,035,000 | 79.7% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $9,205,000 | $3,980,000 | -56.8% | 0.3% |
| EVERETT FINANCIAL, INC. | $2,975,000 | $3,860,000 | 29.7% | 0.3% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | $3,555,000 | $3,670,000 | 3.2% | 0.3% |
| GUILD MORTGAGE COMPANY | $305,000 | $3,615,000 | 1,085.2% | 0.3% |
| Wells Fargo Bank | $5,875,000 | $3,490,000 | -40.6% | 0.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $3,640,000 | $3,370,000 | -7.4% | 0.3% |
| STATE EMPLOYEES' | $2,140,000 | $3,125,000 | 46.0% | 0.3% |
| NEWREZ LLC | $1,005,000 | $3,045,000 | 203.0% | 0.3% |
| U.S. Bank | $2,050,000 | $3,035,000 | 48.0% | 0.3% |
| 21ST MORTGAGE CORPORATION | $1,180,000 | $2,945,000 | 149.6% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $605,000 | $2,860,000 | 372.7% | 0.2% |
| First-Citizens Bank & Trust Company | $1,280,000 | $2,785,000 | 117.6% | 0.2% |
| SECURITYNATIONAL MORTGAGE COMPANY | $2,395,000 | $2,755,000 | 15.0% | 0.2% |
| NEW DAY FINANCIAL, LLC | $2,405,000 | $2,705,000 | 12.5% | 0.2% |
| Carrington Mortgage Services, LLC | $2,405,000 | $2,600,000 | 8.1% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,310,000 | $2,520,000 | 9.1% | 0.2% |
| FIRST INTEGRITY MORTGAGE SERVICES, INC. | $475,000 | $2,495,000 | 425.3% | 0.2% |
| Skyline National Bank | $2,480,000 | n/a | 0.2% | |
| LEADERONE FINANCIAL CORPORATION | $3,065,000 | $2,310,000 | -24.6% | 0.2% |
| NFM, INC. | $425,000 | $2,225,000 | 423.5% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $2,225,000 | $2,225,000 | 0.0% | 0.2% |
| SUMMIT FUNDING, INC. | $2,190,000 | n/a | 0.2% | |
| JPMorgan Chase Bank | $5,420,000 | $2,105,000 | -61.2% | 0.2% |
| 1ST SIGNATURE LENDING, LLC | $2,070,000 | n/a | 0.2% | |
| The Central Trust Bank | $2,055,000 | n/a | 0.2% | |
| PLAZA HOME MORTGAGE, INC. | $2,170,000 | $2,010,000 | -7.4% | 0.2% |
| MORTGAGE ACCESS CORP. | $1,715,000 | $2,000,000 | 16.6% | 0.2% |
| Discover Bank | $1,270,000 | $1,965,000 | 54.7% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,485,000 | $1,945,000 | 31.0% | 0.2% |
| UNION HOME MORTGAGE CORP. | $4,130,000 | $1,905,000 | -53.9% | 0.2% |
| Powell Valley National Bank | $1,620,000 | $1,830,000 | 13.0% | 0.2% |
| Equity Prime Mortgage LLC | $115,000 | $1,750,000 | 1,421.7% | 0.1% |
| United Community Bank | $765,000 | $1,715,000 | 124.2% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $990,000 | $1,675,000 | 69.2% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $390,000 | $1,645,000 | 321.8% | 0.1% |
| Flagstar Bank, FSB | $695,000 | $1,640,000 | 136.0% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $1,275,000 | $1,585,000 | 24.3% | 0.1% |
| Oconee State Bank | $1,550,000 | n/a | 0.1% | |
| First Community Bank of East Tennessee | $4,015,000 | $1,530,000 | -61.9% | 0.1% |
| CIBC Bank USA | $1,475,000 | n/a | 0.1% | |
| Figure Lending LLC | $795,000 | $1,450,000 | 82.4% | 0.1% |
| Fifth Third Bank | $1,575,000 | $1,440,000 | -8.6% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $990,000 | $1,435,000 | 44.9% | 0.1% |
| CU COMMUNITY, LLC | $240,000 | $1,330,000 | 454.2% | 0.1% |
| Citizens Bank | $2,655,000 | $1,310,000 | -50.7% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $2,005,000 | $1,290,000 | -35.7% | 0.1% |
| Prosperity Home Mortgage, LLC | $745,000 | $1,285,000 | 72.5% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $3,205,000 | $1,245,000 | -61.2% | 0.1% |
| BETTER MORTGAGE CORPORATION | $490,000 | $1,245,000 | 154.1% | 0.1% |
| AmeriHome Mortgage Company, LLC | $225,000 | $1,190,000 | 428.9% | 0.1% |
| Charles Schwab Bank, SSB | $1,175,000 | n/a | 0.1% | |
| Morgan Stanley Private Bank | $245,000 | $1,160,000 | 373.5% | 0.1% |
| First Federal Bank | $510,000 | $1,145,000 | 124.5% | 0.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $1,120,000 | $1,140,000 | 1.8% | 0.1% |
| Blue Ridge Bank | $1,075,000 | n/a | 0.1% | |
| PNC Bank | $330,000 | $1,050,000 | 218.2% | 0.1% |
| The Bank of Marion | $3,045,000 | $1,050,000 | -65.5% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,830,000 | $1,040,000 | -43.2% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,925,000 | $1,005,000 | -47.8% | 0.1% |
| ORNL Federal Credit Union | $485,000 | $995,000 | 105.2% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $370,000 | $990,000 | 167.6% | 0.1% |
| Farmers Bank & Trust | $940,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $190,000 | $935,000 | 392.1% | 0.1% |
| Deere Employees Credit Union | $810,000 | $920,000 | 13.6% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $485,000 | $910,000 | 87.6% | 0.1% |
| GMFS LLC | $300,000 | $890,000 | 196.7% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $175,000 | $890,000 | 408.6% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $135,000 | $880,000 | 551.9% | 0.1% |
| INTERCOASTAL MORTGAGE COMPANY | $915,000 | $860,000 | -6.0% | 0.1% |
| The Huntington National Bank | $1,170,000 | $850,000 | -27.4% | 0.1% |
| STOCKTON MORTGAGE CORPORATION | $4,955,000 | $835,000 | -83.1% | 0.1% |
| Kingsport Press Credit Union | $170,000 | $830,000 | 388.2% | 0.1% |
| LENDSURE MORTGAGE CORP. | $480,000 | $820,000 | 70.8% | 0.1% |
| The Federal Savings Bank | $1,375,000 | $820,000 | -40.4% | 0.1% |
| TruPoint Bank | $990,000 | $805,000 | -18.7% | 0.1% |
| VERITAS FUNDING, LLC | $1,085,000 | $785,000 | -27.6% | 0.1% |
| Citibank | $420,000 | $755,000 | 79.8% | 0.1% |
| Dollar Bank, Federal Savings Bank | $725,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $2,045,000 | $710,000 | -65.3% | 0.1% |
| JMAC LENDING, INC. | $700,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $85,000 | $675,000 | 694.1% | 0.1% |
| AMERICAN FINANCING CORPORATION | $620,000 | $670,000 | 8.1% | 0.1% |
| MILEND, INC. | $1,420,000 | $660,000 | -53.5% | 0.1% |
| EMBRACE HOME LOANS, INC. | $650,000 | n/a | 0.1% | |
| Nations Lending Corporation | $1,780,000 | $635,000 | -64.3% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $335,000 | $630,000 | 88.1% | 0.1% |
| Peoples Bank of the South | $175,000 | $630,000 | 260.0% | 0.1% |
| HOMESTEAD FUNDING CORP. | $625,000 | n/a | 0.1% | |
| ISERVE RESIDENTIAL LENDING, LLC | $1,810,000 | $620,000 | -65.7% | 0.1% |
| T2 FINANCIAL LLC | $620,000 | n/a | 0.1% | |
| MORIA DEVELOPMENT, INC. | $585,000 | n/a | 0.0% | |
| American Security Mortgage Corp. | $580,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $580,000 | n/a | 0.0% | |
| IDB Global Federal Credit Union | $575,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $520,000 | $560,000 | 7.7% | 0.0% |
| AXIA FINANCIAL, LLC | $145,000 | $515,000 | 255.2% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $515,000 | $505,000 | -1.9% | 0.0% |
| Horizon Credit Union | $495,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $425,000 | $490,000 | 15.3% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $465,000 | $485,000 | 4.3% | 0.0% |
| Plains Commerce Bank | $195,000 | $480,000 | 146.2% | 0.0% |
| USAlliance Federal Credit Union | $105,000 | $475,000 | 352.4% | 0.0% |
| Y-12 Federal Credit Union | $4,205,000 | $475,000 | -88.7% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $2,400,000 | $460,000 | -80.8% | 0.0% |
| M&T Bank | $460,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $855,000 | $455,000 | -46.8% | 0.0% |
| Ally Bank | $765,000 | $450,000 | -41.2% | 0.0% |
| One Bank of Tennessee | $445,000 | n/a | 0.0% | |
| Bell Bank | $435,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $435,000 | n/a | 0.0% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $335,000 | $430,000 | 28.4% | 0.0% |
| CANOPY MORTGAGE, LLC | $155,000 | $425,000 | 174.2% | 0.0% |
| Leader Bank | $245,000 | $425,000 | 73.5% | 0.0% |
| SWBC MORTGAGE CORPORATION | $395,000 | $425,000 | 7.6% | 0.0% |
| Alcova Mortgage LLC | $420,000 | n/a | 0.0% | |
| LOANFLIGHT LENDING, LLC | $415,000 | n/a | 0.0% | |
| Ixonia Bank | $215,000 | $410,000 | 90.7% | 0.0% |
| FirstBank | $315,000 | $390,000 | 23.8% | 0.0% |
| ZILLOW HOME LOANS, LLC | $995,000 | $390,000 | -60.8% | 0.0% |
| AMERICAN FINANCE HOUSE LARIBA | $385,000 | n/a | 0.0% | |
| FIRST HOME MORTGAGE CORPORATION | $385,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $380,000 | n/a | 0.0% | |
| Pinnacle Bank | $380,000 | n/a | 0.0% | |
| Apex Bank | $275,000 | $360,000 | 30.9% | 0.0% |
| PLANET HOME LENDING, LLC | $1,300,000 | $360,000 | -72.3% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $225,000 | $345,000 | 53.3% | 0.0% |
| OCMBC, INC. | $340,000 | $345,000 | 1.5% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $335,000 | n/a | 0.0% | |
| POINT Mortgage | $335,000 | n/a | 0.0% | |
| DELTA COMMUNITY CREDIT UNION | $280,000 | $325,000 | 16.1% | 0.0% |
| First Federal Savings and Loan Association of Lakewood | $325,000 | n/a | 0.0% | |
| First Merchants Bank | $325,000 | n/a | 0.0% | |
| Grow Financial Federal Credit Union | $325,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $325,000 | n/a | 0.0% | |
| FAIRWAY FUNDING GROUP, INC. | $315,000 | n/a | 0.0% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $135,000 | $315,000 | 133.3% | 0.0% |
| New Peoples Bank, Inc. | $685,000 | $310,000 | -54.7% | 0.0% |
| GERSHMAN INVESTMENT CORP. | $305,000 | n/a | 0.0% | |
| Raymond James Bank | $305,000 | n/a | 0.0% | |
| Strong Home Mortgage, LLC | $305,000 | n/a | 0.0% | |
| Coastal Community Bank | $275,000 | $300,000 | 9.1% | 0.0% |
| Ameris Bank | $175,000 | $295,000 | 68.6% | 0.0% |
| First National Bank of Pennsylvania | $65,000 | $295,000 | 353.8% | 0.0% |
| Magnolia Bank | $765,000 | $295,000 | -61.4% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $205,000 | $290,000 | 41.5% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $460,000 | $285,000 | -38.0% | 0.0% |
| LOANPAL, LLC | $285,000 | n/a | 0.0% | |
| NBKC BANK | $285,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $285,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $275,000 | n/a | 0.0% | |
| Farmers and Miners Bank | $275,000 | n/a | 0.0% | |
| NMSI, INC. | $275,000 | n/a | 0.0% | |
| SeaTrust Mortgage Company | $275,000 | n/a | 0.0% | |
| Capital City Home Loans, LLC | $265,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $265,000 | n/a | 0.0% | |
| Willamette Valley Bank | $175,000 | $265,000 | 51.4% | 0.0% |
| LEGEND LENDING CORPORATION | $255,000 | n/a | 0.0% | |
| Suncoast Credit Union | $255,000 | n/a | 0.0% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $245,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $235,000 | n/a | 0.0% | |
| CHEVRON | $235,000 | n/a | 0.0% | |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $235,000 | n/a | 0.0% | |
| CLEARPATH LENDING | $225,000 | n/a | 0.0% | |
| U. T. | $375,000 | $225,000 | -40.0% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $800,000 | $215,000 | -73.1% | 0.0% |
| POLARIS HOME FUNDING CORP. | $205,000 | n/a | 0.0% | |
| CIS Financial Services, Inc. | $105,000 | $200,000 | 90.5% | 0.0% |
| Arvest Bank | $180,000 | $195,000 | 8.3% | 0.0% |
| ENDEAVOR CAPITAL, LLC. | $195,000 | n/a | 0.0% | |
| NexBank | $760,000 | $195,000 | -74.3% | 0.0% |
| Paramount Residential Mortgage Group, Inc. | $620,000 | $195,000 | -68.5% | 0.0% |
| TOWNE MORTGAGE COMPANY | $195,000 | n/a | 0.0% | |
| Granite Community Bank | $185,000 | n/a | 0.0% | |
| Kwik Mortgage Corporation | $185,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $135,000 | $185,000 | 37.0% | 0.0% |
| SPRING EQ, LLC | $120,000 | $180,000 | 50.0% | 0.0% |
| East Coast Capital Corp. | $175,000 | n/a | 0.0% | |
| ASCEND FEDERAL CREDIT UNION | $550,000 | $165,000 | -70.0% | 0.0% |
| Bank of England | $305,000 | $165,000 | -45.9% | 0.0% |
| Bethpage Federal Credit Union | $35,000 | $165,000 | 371.4% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $1,690,000 | $165,000 | -90.2% | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,160,000 | $165,000 | -85.8% | 0.0% |
| Waterstone Mortgage Corporation | $265,000 | $165,000 | -37.7% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $405,000 | $155,000 | -61.7% | 0.0% |
| BMO Harris Bank | $1,005,000 | $155,000 | -84.6% | 0.0% |
| Countybank | $155,000 | n/a | 0.0% | |
| General Mortgage Capital Corporation | $155,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $630,000 | $140,000 | -77.8% | 0.0% |
| First Community Bank | $1,940,000 | $135,000 | -93.0% | 0.0% |
| LADERA LENDING, INC. | $135,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $135,000 | n/a | 0.0% | |
| Sound Bank | $130,000 | n/a | 0.0% | |
| Connexus Credit Union | $95,000 | $125,000 | 31.6% | 0.0% |
| Trustmark National Bank | $125,000 | n/a | 0.0% | |
| UNITED | $115,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $105,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $75,000 | $105,000 | 40.0% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $95,000 | n/a | 0.0% | |
| ALTRA | $95,000 | n/a | 0.0% | |
| Leaders Credit Union | $95,000 | n/a | 0.0% | |
| UBANK | $885,000 | $85,000 | -90.4% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $675,000 | $75,000 | -88.9% | 0.0% |
| Fortera Federal Credit Union | $65,000 | n/a | 0.0% | |
| THE TENNESSEE CREDIT UNION | $945,000 | $40,000 | -95.8% | 0.0% |
| GFA Federal Credit Union | $25,000 | n/a | 0.0% |
JOHNSON CITY's top lender by overall market share is EASTMAN, with 16.9% market share. In second place, with 5.6%, is MOVEMENT MORTGAGE, LLC, having originated $66,180,000 in loans. In third place, with 5.4%, is WALKER & DUNLOP, LLC, having originated $63,985,000 in loans. In fourth place, with 4.7%, is QUICKEN LOANS, LLC, having originated $55,415,000 in loans. In fifth place, with 4.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $50,170,000 in loans.
JOHNSON CITY, TN Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,382 | $741,850,000 | $311,440 |
| Cash Out Refi | 702 | $137,990,000 | $196,567 |
| Other | 504 | $89,110,000 | $176,806 |
| Home Improvement | 468 | $43,430,000 | $92,799 |
| Refi | 384 | $166,930,000 | $434,714 |
Johnson City's most frequently cited loan purpose was Home Purchase, with 2,382 originations. The 2nd most popular reason was Cash Out Refi, with 702 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,714 | $472,320,000 | $275,566 |
| 7-8% | 990 | $206,240,000 | $208,323 |
| Over 8% | 837 | $106,655,000 | $127,425 |
| 5-6% | 482 | $259,440,000 | $538,257 |
| 4-5% | 32 | $10,030,000 | $313,438 |
| <2.5% | 15 | $1,095,000 | $73,000 |
| 2.5-3% | 4 | $910,000 | $227,500 |
During 2024, Johnson City's most frequently originated rate bucket was 6-7%, with 1,714 originations.
Loan Sizing (JOHNSON CITY, TN MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,547 | $433,135,000 | $279,984 |
| $100k-200k | 1,294 | $192,500,000 | $148,764 |
| $100,000 or less | 1,082 | $60,120,000 | $55,564 |
| $400k-600k | 354 | $169,040,000 | $477,514 |
| $600k-1000k | 112 | $80,070,000 | $714,911 |
| $Over $1MM | 51 | $244,445,000 | $4,793,039 |
JOHNSON CITY's loan sizing saw the bucket of loans from $200k-400k with 1,547 originations, totaling $433,135,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,531 | $454,715,000 | $297,005 |
| 60-80% | 837 | $297,655,000 | $355,621 |
| Under 20% | 579 | $30,805,000 | $53,204 |
| 20-40% | 572 | $68,420,000 | $119,615 |
| 40-60% | 435 | $89,045,000 | $204,701 |
| Over 100% | 65 | $90,905,000 | $1,398,538 |
JOHNSON CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,531 originations, totaling $454,715,000 in origination value.