Cedartown Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Cedartown averaged 6.89% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.88% and one month ago for the week of 2024-11-07, the average rate was 6.88%.

    Cedartown's average rate one year ago was 7.32%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.9%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Cedartown 30 Year Fixed Rate 2024-12-12 6.89%
    Cedartown 30 Year Fixed Rate Refi 2024-12-12 6.9%
    Cedartown 15 Year Fixed Rate 2024-12-12 5.64%
    Cedartown 15 Year Fixed Rate Refi 2024-12-12 6.34%
    Cedartown 30 Year FHA 2024-12-12 6.16%
    Cedartown 30 Year FHA Refi 2024-12-12 6.38%
    Cedartown 30 Year USDA 2024-12-12 6.2%
    Cedartown 30 Year USDA Refi 2024-12-12 6.2%
    Cedartown 30 Year VA 2024-12-12 5.88%
    Cedartown 30 Year VA Refi 2024-12-12 6.18%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Cedartown, GA.

    Cedartown 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 Cedartown, GA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    QUICKEN LOANS, LLC 26 6.70% $6,741
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 21 7.04% $5,791
    HOMESTAR FINANCIAL CORPORATION 20 6.63% $4,619
    UNITED WHOLESALE MORTGAGE, LLC 10 6.85% $6,866
    VANDERBILT MORTGAGE AND FINANCE, INC. 9 6.97% $5,379
    Truist 8 6.41% $3,905
    MEMBER FIRST MORTGAGE, LLC 7 6.20% $5,119
    Renasant Bank 6 6.94% $5,314
    MOVEMENT MORTGAGE, LLC 6 6.51% $6,743
    GUARANTEED RATE, INC. 4 6.56% $7,423
    Colony Bank 4 6.22% $3,376
    Regions Bank 4 6.50% $5,062
    Flagstar Bank, FSB 3 7.11% $5,676
    United Community Bank 3 7.08% $4,252
    ROYAL UNITED MORTGAGE LLC 3 6.88% $5,767
    Magnolia Bank 3 6.67% $8,898
    CROSSCOUNTRY MORTGAGE, LLC 3 6.73% $6,283
    BANKSOUTH MORTGAGE COMPANY, LLC 3 7.46% $6,491
    Mr. Cooper ( Nationstar Mortgage ) 3 7.58% $6,662
    MUTUAL OF OMAHA MORTGAGE, INC. 3 7.33% $6,841
    DIRECT LENDERS, LLC 3 7.33% $3,163
    FirstBank 3 7.00% $7,764
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 3 7.08% $4,687
    Ameris Bank 3 6.21% $6,956
    STOCKTON MORTGAGE CORPORATION 3 7.04% $4,758
    SWBC MORTGAGE CORPORATION 3 6.38% $11,750
    Carrington Mortgage Services, LLC 2 5.88% $7,222
    CREDIT UNION FINANCIAL SERVICES, LLC 2 6.13% $5,485
    EVERETT FINANCIAL, INC. 2 6.81% $4,504
    Wells Fargo Bank 2 6.69% $4,960
    CARDINAL FINANCIAL 2 6.88% $6,451
    BROKER SOLUTIONS, INC. 2 7.63% $4,883
    LOANDEPOT.COM, LLC 2 7.31% $8,497
    Mortgage Research Center, LLC 1 7.63% $2,478
    Alcova Mortgage LLC 1 6.99% $0
    AMERICAN FINANCING CORPORATION 1 6.38% $4,887
    AmeriHome Mortgage Company, LLC 1 6.88% $5,876
    AMERISAVE MORTGAGE CORPORATION 1 7.38% $5,441
    Associated Credit Union 1 6.13% $4,645
    BancorpSouth 1 6.88% $3,864
    Bank of America 1 5.75% $6,401
    BETTER MORTGAGE CORPORATION 1 7.00% $4,916
    CALIBER HOME LOANS, INC. 1 6.50% $4,516
    CASTLE & COOKE MORTGAGE, LLC 1 7.49% $3,507
    CONTOUR MORTGAGE CORPORATION 1 6.25% $6,538
    DAS Acquisition Company, LLC 1 7.99% $3,601
    DELMAR FINANCIAL COMPANY 1 7.00% $10,883
    First National Bank of America 1 9.63% $15,333
    First Option Mortgage, LLC 1 7.13% $5,559
    FREEDOM MORTGAGE CORPORATION 1 5.99% $7,753
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 6.63% $7,070
    LGE COMMUNITY 1 5.38% $3,231
    MORTGAGE INVESTORS GROUP, INC. 1 6.25% $7,304
    ACOPIA, LLC 1 6.38% $9,552
    PENNYMAC LOAN SERVICES, LLC 1 6.38% $4,709
    PREMIA MORTGAGE, LLC 1 6.50% $507
    Prosperity Home Mortgage, LLC 1 6.75% $8,481
    Quontic Bank 1 9.25% $8,560
    SECURITYNATIONAL MORTGAGE COMPANY 1 5.88% $3,803
    SHELTER HOME MORTGAGE, LLC 1 6.63% $6,012
    South State Bank 1 6.00% $12,569
    Synovus Bank 1 7.88% $3,494
    U.S. Bank 1 7.00% $2,868

    Cedartown Average Closing Costs & Other Stats

    Cedartown, GA's 63 lenders originated 750 loans during 2023. The total origination value was $138,640,000, with an average loan value of $184,853.

    Cedartown's average closing costs are $5,426.

    The top Cedartown lender as defined by loan originations is QUICKEN LOANS, LLC, with 26 loans originated. Their average total fees are $6,741, which is $950 higher than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

    The lowest fee Cedartown lenders (with over 10 loans originated) are HOMESTAR FINANCIAL CORPORATION ($4,619), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($5,791), QUICKEN LOANS, LLC ($6,741), UNITED WHOLESALE MORTGAGE, LLC ($6,866) and .

    The lowest rate Cedartown lenders (with over 10 loans originated) are HOMESTAR FINANCIAL CORPORATION (6.63%), QUICKEN LOANS, LLC (6.70%), UNITED WHOLESALE MORTGAGE, LLC (6.85%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (7.04%) and .

    Cedartown, GA Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $11,285,000 $13,285,000 17.7% 9.6%
    HOMESTAR FINANCIAL CORPORATION $21,730,000 $10,665,000 -50.9% 7.7%
    QUICKEN LOANS, LLC $11,750,000 $10,090,000 -14.1% 7.3%
    UNITED WHOLESALE MORTGAGE, LLC $5,160,000 $6,360,000 23.3% 4.6%
    VANDERBILT MORTGAGE AND FINANCE, INC. $3,230,000 $5,120,000 58.5% 3.7%
    Regions Bank $5,120,000 $3,570,000 -30.3% 2.6%
    CROSSCOUNTRY MORTGAGE, LLC $1,110,000 $3,450,000 210.8% 2.5%
    United Community Bank $9,045,000 $3,385,000 -62.6% 2.4%
    Truist $6,430,000 $3,175,000 -50.6% 2.3%
    FAMILY SAVINGS $3,250,000 $3,140,000 -3.4% 2.3%
    MOVEMENT MORTGAGE, LLC $2,300,000 $2,985,000 29.8% 2.2%
    GUARANTEED RATE, INC. $510,000 $2,730,000 435.3% 2.0%
    SWBC MORTGAGE CORPORATION $3,390,000 $2,710,000 -20.1% 2.0%
    Renasant Bank $2,430,000 $2,650,000 9.1% 1.9%
    BROKER SOLUTIONS, INC. $1,435,000 $2,395,000 66.9% 1.7%
    Mortgage Research Center, LLC $5,915,000 $2,370,000 -59.9% 1.7%
    EVERETT FINANCIAL, INC. $5,085,000 $2,175,000 -57.2% 1.6%
    MEMBER FIRST MORTGAGE, LLC $2,690,000 $2,075,000 -22.9% 1.5%
    PENNYMAC LOAN SERVICES, LLC $2,945,000 $2,045,000 -30.6% 1.5%
    Magnolia Bank $1,675,000 $1,870,000 11.6% 1.3%
    Flagstar Bank, FSB $1,850,000 $1,655,000 -10.5% 1.2%
    Ameris Bank $2,645,000 $1,535,000 -42.0% 1.1%
    STOCKTON MORTGAGE CORPORATION $675,000 $1,510,000 123.7% 1.1%
    Colony Bank $755,000 $1,410,000 86.8% 1.0%
    FREEDOM MORTGAGE CORPORATION $3,015,000 $1,335,000 -55.7% 1.0%
    LOANDEPOT.COM, LLC $1,890,000 $1,310,000 -30.7% 0.9%
    CARDINAL FINANCIAL $1,065,000 $1,290,000 21.1% 0.9%
    AMERISAVE MORTGAGE CORPORATION $1,580,000 $1,220,000 -22.8% 0.9%
    NAVY FEDERAL CREDIT UNION $1,420,000 $1,115,000 -21.5% 0.8%
    ACOPIA, LLC $590,000 $1,095,000 85.6% 0.8%
    FirstBank $925,000 $1,075,000 16.2% 0.8%
    Hometown Equity Mortgage, LLC $470,000 $1,075,000 128.7% 0.8%
    SOUTHEAST MORTGAGE OF GEORGIA, INC. $1,145,000 $1,075,000 -6.1% 0.8%
    ORIX REAL ESTATE CAPITAL, LLC $1,025,000 n/a 0.7%
    Carrington Mortgage Services, LLC $1,295,000 $1,015,000 -21.6% 0.7%
    Wells Fargo Bank $1,665,000 $975,000 -41.4% 0.7%
    USAA Federal Savings Bank $970,000 n/a 0.7%
    BANKSOUTH MORTGAGE COMPANY, LLC $280,000 $920,000 228.6% 0.7%
    MORTGAGE INVESTORS GROUP, INC. $350,000 $880,000 151.4% 0.6%
    TRIAD FINANCIAL SERVICES, INC. $1,095,000 $840,000 -23.3% 0.6%
    DIRECT LENDERS, LLC $950,000 $795,000 -16.3% 0.6%
    SECURITYNATIONAL MORTGAGE COMPANY $1,050,000 $750,000 -28.6% 0.5%
    Century Bank of Georgia $735,000 n/a 0.5%
    South State Bank $1,900,000 $730,000 -61.6% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $3,435,000 $700,000 -79.6% 0.5%
    LIMA ONE CAPITAL, LLC $75,000 $670,000 793.3% 0.5%
    CONTOUR MORTGAGE CORPORATION $175,000 $665,000 280.0% 0.5%
    AMERICAN FINANCIAL NETWORK, INC. $630,000 n/a 0.5%
    MUTUAL OF OMAHA MORTGAGE, INC. $350,000 $580,000 65.7% 0.4%
    ZILLOW HOME LOANS, LLC $215,000 $570,000 165.1% 0.4%
    First Option Mortgage, LLC $490,000 $540,000 10.2% 0.4%
    TOWNE MORTGAGE COMPANY $540,000 n/a 0.4%
    HOMEOWNERS FINANCIAL GROUP USA, LLC $805,000 $485,000 -39.8% 0.3%
    SOUTHWEST STAGE FUNDING, LLC $230,000 $485,000 110.9% 0.3%
    DAS Acquisition Company, LLC $820,000 $475,000 -42.1% 0.3%
    LAKEVIEW LOAN SERVICING, LLC $1,435,000 $470,000 -67.2% 0.3%
    Prosperity Home Mortgage, LLC $615,000 $470,000 -23.6% 0.3%
    FIRST COMMUNITY MORTGAGE, INC. $1,685,000 $440,000 -73.9% 0.3%
    Goldwater Bank, N.A. $185,000 $440,000 137.8% 0.3%
    PREMIA MORTGAGE, LLC $425,000 n/a 0.3%
    CREDIT UNION FINANCIAL SERVICES, LLC $45,000 $420,000 833.3% 0.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $615,000 $420,000 -31.7% 0.3%
    HOMESIDE FINANCIAL, LLC $205,000 $410,000 100.0% 0.3%
    PLANET HOME LENDING, LLC $645,000 $395,000 -38.8% 0.3%
    Coosa Valley Credit Union $585,000 $380,000 -35.0% 0.3%
    ROYAL UNITED MORTGAGE LLC $370,000 $380,000 2.7% 0.3%
    CANOPY MORTGAGE, LLC $365,000 n/a 0.3%
    GUARANTEED RATE AFFINITY, LLC $430,000 $360,000 -16.3% 0.3%
    LGE COMMUNITY $325,000 $360,000 10.8% 0.3%
    First National Bank of America $355,000 n/a 0.3%
    LENDINGHOME FUNDING CORPORATION $625,000 $340,000 -45.6% 0.2%
    21ST MORTGAGE CORPORATION $795,000 $335,000 -57.9% 0.2%
    Alcova Mortgage LLC $125,000 $320,000 156.0% 0.2%
    SHELTER HOME MORTGAGE, LLC $315,000 n/a 0.2%
    DELMAR FINANCIAL COMPANY $305,000 n/a 0.2%
    Talbot State Bank $295,000 n/a 0.2%
    Bank of America $535,000 $285,000 -46.7% 0.2%
    Century Mortgage Company DBA Century Lending Company $155,000 $285,000 83.9% 0.2%
    DEEPHAVEN MORTGAGE LLC $540,000 $285,000 -47.2% 0.2%
    Paramount Residential Mortgage Group, Inc. $285,000 n/a 0.2%
    BancorpSouth $280,000 n/a 0.2%
    First National Community Bank $280,000 n/a 0.2%
    Loan Simple, Inc. $255,000 $265,000 3.9% 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $255,000 n/a 0.2%
    CMG MORTGAGE, INC. $245,000 n/a 0.2%
    DOMINION FINANCIAL SERVICES, LLC $235,000 n/a 0.2%
    Morris Bank $235,000 n/a 0.2%
    SOUTHPOINT FINANCIAL SERVICES, INC. $215,000 $235,000 9.3% 0.2%
    The Huntington National Bank $225,000 n/a 0.2%
    MILEND, INC. $445,000 $215,000 -51.7% 0.2%
    NEW DAY FINANCIAL, LLC $400,000 $215,000 -46.3% 0.2%
    Quontic Bank $215,000 n/a 0.2%
    Synovus Bank $545,000 $215,000 -60.6% 0.2%
    VILLAGE CAPITAL MORTGAGE $230,000 $215,000 -6.5% 0.2%
    Bank of England $115,000 $205,000 78.3% 0.1%
    UNION HOME MORTGAGE CORP. $365,000 $195,000 -46.6% 0.1%
    CHURCHILL MORTGAGE CORPORATION $190,000 n/a 0.1%
    Nations Lending Corporation $1,015,000 $190,000 -81.3% 0.1%
    CALCON MUTUAL MORTGAGE LLC $385,000 $185,000 -51.9% 0.1%
    Discover Bank $185,000 n/a 0.1%
    GEORGIA'S OWN $55,000 $180,000 227.3% 0.1%
    AmeriHome Mortgage Company, LLC $175,000 n/a 0.1%
    EMM LOANS LLC $175,000 n/a 0.1%
    Associated Credit Union $280,000 $165,000 -41.1% 0.1%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $165,000 n/a 0.1%
    CALIBER HOME LOANS, INC. $770,000 $155,000 -79.9% 0.1%
    Capital City Home Loans, LLC $380,000 $155,000 -59.2% 0.1%
    Figure Lending LLC $230,000 $150,000 -34.8% 0.1%
    CIVIC FINANCIAL SERVICES, LLC $620,000 $145,000 -76.6% 0.1%
    NATIONS DIRECT MORTGAGE, LLC $145,000 n/a 0.1%
    RELIANCE FIRST CAPITAL, LLC $145,000 n/a 0.1%
    TOP FLITE FINANCIAL, INC. $175,000 $145,000 -17.1% 0.1%
    U.S. Bank $145,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $1,805,000 $140,000 -92.2% 0.1%
    Citizens Bank $135,000 n/a 0.1%
    River City Bank $135,000 n/a 0.1%
    ITHINK FINANCIAL Credit Union $25,000 $115,000 360.0% 0.1%
    LOANPAL, LLC $195,000 $105,000 -46.2% 0.1%
    AMERICAN FINANCING CORPORATION $325,000 $100,000 -69.2% 0.1%
    BETTER MORTGAGE CORPORATION $185,000 $95,000 -48.6% 0.1%
    CASTLE & COOKE MORTGAGE, LLC $95,000 n/a 0.1%
    PNC Bank $90,000 n/a 0.1%
    DELTA COMMUNITY CREDIT UNION $25,000 $60,000 140.0% 0.0%
    Oconee State Bank $55,000 n/a 0.0%
    CREDIT UNION OF GEORGIA $435,000 $45,000 -89.7% 0.0%
    Union Savings Bank $25,000 n/a 0.0%
    MID AMERICA MORTGAGE, INC. $175,000 $5,000 -97.1% 0.0%

    Cedartown's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 9.6% market share. In second place, with 7.7%, is HOMESTAR FINANCIAL CORPORATION, having originated $10,665,000 in loans. In third place, with 7.3%, is QUICKEN LOANS, LLC, having originated $10,090,000 in loans. In fourth place, with 4.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $6,360,000 in loans. In fifth place, with 3.7%, is VANDERBILT MORTGAGE AND FINANCE, INC., having originated $5,120,000 in loans.

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

    Realtor.com - Cedartown (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 $146,175 (12.8%) $182,011 (2.6%) 0.00 132
    2018-02-01 $144,225 (8.9%) $179,949 (-6.2%) 0.00 130
    2018-03-01 $149,000 (14.6%) $197,781 (6.2%) 0.00 127
    2018-04-01 $169,900 (21.5%) $290,756 (55.0%) 0.00 113
    2018-05-01 $185,887 (24.0%) $296,363 (51.3%) 0.00 122
    2018-06-01 $175,900 (19.4%) $297,132 (58.9%) 0.00 133
    2018-07-01 $181,738 (29.9%) $313,781 (72.9%) 0.00 125
    2018-08-01 $177,908 (36.9%) $309,551 (86.5%) 0.00 136
    2018-09-01 $174,500 (29.4%) $301,174 (72.0%) 0.00 139
    2018-10-01 $152,100 (1.8%) $259,381 (32.7%) 0.00 181
    2018-11-01 $147,450 (-0.7%) $264,992 (37.1%) 0.00 170
    2018-12-01 $147,400 (1.0%) $267,741 (42.1%) 0.00 153
    2019-01-01 $139,900 (-4.3%) $267,206 (46.8%) 0.00 150
    2019-02-01 $159,925 (10.9%) $311,346 (73.0%) 0.00 123
    2019-03-01 $148,329 (-0.5%) $301,116 (52.3%) 0.00 125
    2019-04-01 $133,900 (-21.2%) $270,615 (-6.9%) 0.00 128
    2019-05-01 $134,425 (-27.7%) $252,505 (-14.8%) 0.00 147
    2019-06-01 $132,250 (-24.8%) $245,802 (-17.3%) 0.00 141
    2019-07-01 $143,000 (-21.3%) $250,416 (-20.2%) 0.00 148
    2019-08-01 $139,759 (-21.4%) $254,521 (-17.8%) 0.00 149
    2019-09-01 $146,898 (-15.8%) $257,478 (-14.5%) 0.00 146
    2019-10-01 $168,675 (10.9%) $293,521 (13.2%) 0.00 130
    2019-11-01 $187,700 (27.3%) $311,865 (17.7%) 0.00 119
    2019-12-01 $191,775 (30.1%) $305,890 (14.3%) 0.00 124
    2020-01-01 $193,330 (38.2%) $313,228 (17.2%) 0.00 116
    2020-02-01 $186,815 (16.8%) $319,289 (2.6%) 0.00 105
    2020-03-01 $174,900 (17.9%) $306,452 (1.8%) 0.00 100
    2020-04-01 $169,900 (26.9%) $300,286 (11.0%) 0.00 92
    2020-05-01 $179,900 (33.8%) $330,796 (31.0%) 0.00 67
    2020-06-01 $192,200 (45.3%) $347,707 (41.5%) 0.00 66
    2020-07-01 $194,250 (35.8%) $369,739 (47.7%) 0.00 53
    2020-08-01 $189,900 (35.9%) $353,335 (38.8%) 0.00 54
    2020-09-01 $223,662 (52.3%) $416,662 (61.8%) 0.00 51
    2020-10-01 $219,950 (30.4%) $387,090 (31.9%) 0.00 63
    2020-11-01 $197,400 (5.2%) $363,255 (16.5%) 0.00 73
    2020-12-01 $199,950 (4.3%) $377,107 (23.3%) 0.00 70
    2021-01-01 $215,000 (11.2%) $397,001 (26.8%) 0.00 63
    2021-02-01 $259,900 (39.1%) $415,424 (30.1%) 0.00 53
    2021-03-01 $246,175 (40.8%) $433,808 (41.6%) 0.00 40
    2021-04-01 $199,500 (17.4%) $447,128 (48.9%) 0.00 44
    2021-05-01 $214,900 (19.5%) $482,804 (46.0%) 0.00 48
    2021-06-01 $209,925 (9.2%) $458,666 (31.9%) 0.00 54
    2021-07-01 $217,500 (12.0%) $517,804 (40.1%) 0.00 51
    2021-08-01 $216,225 (13.9%) $511,380 (44.7%) 0.00 60
    2021-09-01 $205,550 (-8.1%) $474,156 (13.8%) 0.00 62
    2021-10-01 $222,994 (1.4%) $471,777 (21.9%) 0.00 62
    2021-11-01 $224,925 (13.9%) $454,616 (25.2%) 0.00 64
    2021-12-01 $228,650 (14.4%) $437,833 (16.1%) 0.00 70
    2022-01-01 $269,900 (25.5%) $374,072 (-5.8%) 0.00 62
    2022-02-01 $262,450 (1.0%) $369,202 (-11.1%) 0.00 49
    2022-03-01 $279,725 (13.6%) $360,819 (-16.8%) 0.00 51
    2022-04-01 $277,675 (39.2%) $372,134 (-16.8%) 0.00 47
    2022-05-01 $289,675 (34.8%) $370,195 (-23.3%) 0.00 54
    2022-06-01 $285,875 (36.2%) $364,718 (-20.5%) 0.00 78
    2022-07-01 $280,000 (28.7%) $379,336 (-26.7%) 0.00 86
    2022-08-01 $289,675 (34.0%) $356,942 (-30.2%) 0.00 101
    2022-09-01 $277,225 (34.9%) $351,625 (-25.8%) 0.00 103
    2022-10-01 $269,000 (20.6%) $336,716 (-28.6%) 0.00 103
    2022-11-01 $274,850 (22.2%) $358,771 (-21.1%) 0.00 101
    2022-12-01 $271,750 (18.9%) $358,289 (-18.2%) 0.00 93
    2023-01-01 $274,950 (1.9%) $370,756 (-0.9%) 0.00 87
    2023-02-01 $259,927 (-1.0%) $360,339 (-2.4%) 0.00 72
    2023-03-01 $259,988 (-7.1%) $354,072 (-1.9%) 0.00 69
    2023-04-01 $299,900 (8.0%) $471,430 (26.7%) 0.00 85
    2023-05-01 $299,950 (3.6%) $497,305 (34.3%) 0.00 77
    2023-06-01 $318,575 (11.4%) $491,279 (34.7%) 0.00 84
    2023-07-01 $309,450 (10.5%) $458,719 (20.9%) 0.00 95
    2023-08-01 $297,000 (2.5%) $394,323 (10.5%) 0.00 96
    2023-09-01 $299,999 (8.2%) $442,784 (25.9%) 0.00 93
    2023-10-01 $319,950 (18.9%) $426,540 (26.7%) 0.00 117
    2023-11-01 $315,000 (14.6%) $424,396 (18.3%) 0.00 120
    2023-12-01 $319,950 (17.7%) $427,517 (19.3%) 0.00 118
    2024-01-01 $308,975 (12.4%) $425,545 (14.8%) 0.00 110
    2024-02-01 $302,250 (16.3%) $353,440 (-1.9%) 0.00 98
    2024-03-01 $299,500 (15.2%) $356,948 (0.8%) 0.00 91
    2024-04-01 $309,500 (3.2%) $364,209 (-22.7%) 0.00 103
    2024-05-01 $309,475 (3.2%) $376,782 (-24.2%) 0.00 115
    2024-06-01 $299,900 (-5.9%) $362,874 (-26.1%) 0.00 106
    2024-07-01 $279,325 (-9.7%) $332,388 (-27.5%) 0.00 112
    2024-08-01 $279,900 (-5.8%) $332,361 (-15.7%) 0.00 130
    2024-09-01 $282,450 (-5.9%) $328,700 (-25.8%) 0.00 154
    2024-10-01 $285,450 (-10.8%) $327,342 (-23.3%) 0.00 153
    2024-11-01 $285,000 (-9.5%) $333,758 (-21.4%) 0.00 166
    Cedartown's median listing price for 2024-11-01 was $285,000, a difference of $-30,000 (-9.5%) versus the prior year and $-450 versus the prior month.

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

    Cedartown's average listing price for 2024-11-01 was $333,758, a difference of $-90,638 (-21.4%) versus the prior year and $6,416 versus the prior month.

    For the 2024-11-01 period, Cedartown had 166 MLS listings, a difference of 13 listings (8%) versus the prior month and 46 listings (38%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Cedartown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,797 sqft
    2018-02-01 0 days 1,801 sqft
    2018-03-01 0 days 1,781 sqft
    2018-04-01 0 days 1,752 sqft
    2018-05-01 0 days 1,897 sqft
    2018-06-01 0 days 1,922 sqft
    2018-07-01 0 days 1,939 sqft
    2018-08-01 0 days 1,899 sqft
    2018-09-01 0 days 1,798 sqft
    2018-10-01 0 days 1,734 sqft
    2018-11-01 0 days 1,702 sqft
    2018-12-01 0 days 1,692 sqft
    2019-01-01 0 days 1,792 sqft
    2019-02-01 0 days 1,814 sqft
    2019-03-01 0 days 1,808 sqft
    2019-04-01 0 days 1,802 sqft
    2019-05-01 0 days 1,822 sqft
    2019-06-01 0 days 1,824 sqft
    2019-07-01 0 days 1,900 sqft
    2019-08-01 0 days 1,870 sqft
    2019-09-01 0 days 1,826 sqft
    2019-10-01 0 days 1,840 sqft
    2019-11-01 0 days 2,064 sqft
    2019-12-01 0 days 1,928 sqft
    2020-01-01 0 days 1,918 sqft
    2020-02-01 0 days 1,923 sqft
    2020-03-01 0 days 1,915 sqft
    2020-04-01 0 days 1,912 sqft
    2020-05-01 0 days 1,914 sqft
    2020-06-01 0 days 2,058 sqft
    2020-07-01 0 days 2,326 sqft
    2020-08-01 0 days 2,199 sqft
    2020-09-01 0 days 2,040 sqft
    2020-10-01 0 days 2,160 sqft
    2020-11-01 0 days 1,962 sqft
    2020-12-01 0 days 1,998 sqft
    2021-01-01 0 days 1,901 sqft
    2021-02-01 0 days 1,952 sqft
    2021-03-01 0 days 1,934 sqft
    2021-04-01 0 days 1,854 sqft
    2021-05-01 0 days 1,783 sqft
    2021-06-01 0 days 1,523 sqft
    2021-07-01 0 days 1,843 sqft
    2021-08-01 0 days 1,775 sqft
    2021-09-01 0 days 1,685 sqft
    2021-10-01 0 days 1,710 sqft
    2021-11-01 0 days 1,750 sqft
    2021-12-01 0 days 1,797 sqft
    2022-01-01 0 days 1,867 sqft
    2022-02-01 0 days 1,809 sqft
    2022-03-01 0 days 1,810 sqft
    2022-04-01 0 days 1,776 sqft
    2022-05-01 0 days 1,761 sqft
    2022-06-01 0 days 1,773 sqft
    2022-07-01 0 days 1,746 sqft
    2022-08-01 0 days 1,744 sqft
    2022-09-01 0 days 1,739 sqft
    2022-10-01 0 days 1,731 sqft
    2022-11-01 0 days 1,708 sqft
    2022-12-01 0 days 1,794 sqft
    2023-01-01 0 days 1,842 sqft
    2023-02-01 0 days 1,736 sqft
    2023-03-01 0 days 1,618 sqft
    2023-04-01 0 days 1,731 sqft
    2023-05-01 0 days 1,739 sqft
    2023-06-01 0 days 1,764 sqft
    2023-07-01 0 days 1,778 sqft
    2023-08-01 0 days 1,743 sqft
    2023-09-01 0 days 1,820 sqft
    2023-10-01 0 days 1,825 sqft
    2023-11-01 0 days 1,792 sqft
    2023-12-01 0 days 1,778 sqft
    2024-01-01 0 days 1,761 sqft
    2024-02-01 0 days 1,775 sqft
    2024-03-01 0 days 1,750 sqft
    2024-04-01 0 days 1,771 sqft
    2024-05-01 0 days 1,775 sqft
    2024-06-01 0 days 1,774 sqft
    2024-07-01 0 days 1,775 sqft
    2024-08-01 0 days 1,753 sqft
    2024-09-01 0 days 1,691 sqft
    2024-10-01 0 days 1,703 sqft
    2024-11-01 0 days 1,600 sqft
    Cedartown's median listing age (time on market) for 2024-11-01 was 0 days.

    Cedartown's median square footage for active listings during the 2024-11-01 period was 1,600 sqft. One year prior, the average listing was 1,792 sqft.

    Cedartown, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 450 $99,220,000 $220,489
    Cash Out Refi 131 $20,925,000 $159,733
    Other 80 $5,360,000 $67,000
    Refi 50 $10,630,000 $212,600
    Home Improvement 39 $2,505,000 $64,231

    Cedartown's most frequently cited loan purpose was Home Purchase, with 450 originations. The 2nd most popular reason was Cash Out Refi, with 131 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 276 $59,320,000 $214,928
    7-8% 195 $37,915,000 $194,436
    Over 8% 132 $12,580,000 $95,303
    5-6% 108 $24,460,000 $226,481
    <2.5% 14 $1,160,000 $82,857
    4-5% 3 $915,000 $305,000
    3-4% 1 $175,000 $175,000

    During 2023, Cedartown's most frequently originated rate bucket was 6-7%, with 276 originations.

    Loan Sizing (Cedartown, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 280 $43,420,000 $155,071
    $200k-400k 252 $66,370,000 $263,373
    $100,000 or less 182 $9,710,000 $53,352
    $400k-600k 31 $14,735,000 $475,323
    $600k-1000k 3 $2,205,000 $735,000
    $Over $1MM 2 $2,200,000 $1,100,000

    Cedartown's loan sizing saw the bucket of loans from $100k-200k with 280 originations, totaling $43,420,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 350 $83,410,000 $238,314
    60-80% 146 $30,540,000 $209,178
    Under 20% 84 $3,010,000 $35,833
    40-60% 74 $10,150,000 $137,162
    20-40% 63 $5,515,000 $87,540
    Over 100% 10 $3,510,000 $351,000

    Cedartown's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 350 originations, totaling $83,410,000 in origination value.