Thomaston Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Thomaston averaged
6.88%
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
7.11% and
one month ago for the week of 2025-05-15, the
average rate was 6.78%.
Thomaston's average rate one year ago was 6.92%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.01%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Thomaston 30 Year Fixed Rate | 2025-06-18 | 6.88% |
| Thomaston 30 Year Fixed Rate Refi | 2025-06-18 | 7.01% |
| Thomaston 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Thomaston 15 Year Fixed Rate Refi | 2025-06-18 | 6.26% |
| Thomaston 30 Year FHA | 2025-06-18 | -0.07% |
| Thomaston 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Thomaston 30 Year USDA | 2025-06-18 | 0.2% |
| Thomaston 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Thomaston 30 Year VA | 2025-06-18 | 0.2% |
| Thomaston 30 Year VA Refi | 2025-06-18 | -0.1% |
Thomaston 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 Thomaston, 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.).
Thomaston Average Closing Costs & Other Stats
Thomaston, GA's 35 lenders originated 489
loans during 2024. The total origination value was $794,555,000, with an average loan value of
$1,624,857.
Thomaston's average closing costs are $5,417.
The top Thomaston lender as defined by loan originations is QUICKEN LOANS, LLC, with
19 loans originated. Their average total fees are
$6,507, which is $596
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Thomaston lenders (with over 10 loans originated) are
United Bank ($4,585), QUICKEN LOANS, LLC ($6,507), UNITED WHOLESALE MORTGAGE, LLC ($7,103), .
The lowest rate Thomaston lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (6.49%), QUICKEN LOANS, LLC (6.62%), United Bank (7.05%), .
Thomaston, 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| The Peoples Bank of Georgia | $9,370,000 | $718,810,000 | 7,571.4% | 90.5% |
| QUICKEN LOANS, LLC | $8,370,000 | $10,125,000 | 21.0% | 1.3% |
| United Bank | $10,875,000 | $9,205,000 | -15.4% | 1.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $6,015,000 | $7,695,000 | 27.9% | 1.0% |
| VAN DYK MORTGAGE CORPORATION | $2,405,000 | $4,355,000 | 81.1% | 0.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,355,000 | $2,570,000 | 9.1% | 0.3% |
| BROKER SOLUTIONS, INC. | $3,510,000 | $2,090,000 | -40.5% | 0.3% |
| Mortgage Research Center, LLC | $3,400,000 | $1,795,000 | -47.2% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $185,000 | $1,615,000 | 773.0% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $65,000 | $1,545,000 | 2,276.9% | 0.2% |
| Prosperity Home Mortgage, LLC | $725,000 | $1,525,000 | 110.3% | 0.2% |
| RADIUS FINANCIAL GROUP INC. | $1,210,000 | n/a | 0.2% | |
| Mr. Cooper ( Nationstar Mortgage ) | $1,205,000 | n/a | 0.2% | |
| Ameris Bank | $1,100,000 | $1,200,000 | 9.1% | 0.2% |
| GUILD MORTGAGE COMPANY | $275,000 | $1,140,000 | 314.5% | 0.1% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $2,305,000 | $1,005,000 | -56.4% | 0.1% |
| Equity Prime Mortgage LLC | $350,000 | $990,000 | 182.9% | 0.1% |
| NEWREZ LLC | $105,000 | $960,000 | 814.3% | 0.1% |
| PENNYMAC LOAN SERVICES, LLC | $660,000 | $915,000 | 38.6% | 0.1% |
| Carrington Mortgage Services, LLC | $430,000 | $800,000 | 86.0% | 0.1% |
| LOANDEPOT.COM, LLC | $1,185,000 | $790,000 | -33.3% | 0.1% |
| AgFirst Farm Credit Bank | $615,000 | $765,000 | 24.4% | 0.1% |
| The First, A National Banking Association | $735,000 | n/a | 0.1% | |
| Capital City Home Loans, LLC | $445,000 | $710,000 | 59.6% | 0.1% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $175,000 | $700,000 | 300.0% | 0.1% |
| NORWICH COMMERCIAL GROUP, INC. | $670,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $615,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $425,000 | $595,000 | 40.0% | 0.1% |
| BancorpSouth | $565,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $165,000 | $555,000 | 236.4% | 0.1% |
| Regions Bank | $550,000 | n/a | 0.1% | |
| DELTA COMMUNITY CREDIT UNION | $240,000 | $520,000 | 116.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $475,000 | $495,000 | 4.2% | 0.1% |
| Magnolia Bank | $495,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $460,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $395,000 | $450,000 | 13.9% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $215,000 | $430,000 | 100.0% | 0.1% |
| EMM LOANS LLC | $430,000 | n/a | 0.1% | |
| Citizens Bank | $75,000 | $425,000 | 466.7% | 0.1% |
| Talbot State Bank | $170,000 | $420,000 | 147.1% | 0.1% |
| NAVY FEDERAL CREDIT UNION | $210,000 | $385,000 | 83.3% | 0.0% |
| GUARANTEED RATE, INC. | $35,000 | $370,000 | 957.1% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $365,000 | n/a | 0.0% | |
| Exchange Bank | $325,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $910,000 | $320,000 | -64.8% | 0.0% |
| Synovus Bank | $320,000 | $315,000 | -1.6% | 0.0% |
| ROBINS FINANCIAL | $565,000 | $310,000 | -45.1% | 0.0% |
| Total Media Management, LLC | $305,000 | n/a | 0.0% | |
| First Option Mortgage, LLC | $300,000 | n/a | 0.0% | |
| NBKC BANK | $295,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $295,000 | n/a | 0.0% | |
| MOVEMENT MORTGAGE, LLC | $610,000 | $265,000 | -56.6% | 0.0% |
| Capital City Bank | $255,000 | n/a | 0.0% | |
| CMG MORTGAGE, INC. | $815,000 | $255,000 | -68.7% | 0.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $355,000 | $255,000 | -28.2% | 0.0% |
| Plains Commerce Bank | $710,000 | $255,000 | -64.1% | 0.0% |
| GEORGIA UNITED | $235,000 | n/a | 0.0% | |
| AMERISAVE MORTGAGE CORPORATION | $190,000 | $230,000 | 21.1% | 0.0% |
| Bank of America | $195,000 | $230,000 | 17.9% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $225,000 | n/a | 0.0% | |
| Discover Bank | $85,000 | $220,000 | 158.8% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $245,000 | $220,000 | -10.2% | 0.0% |
| Colony Bank | $585,000 | $210,000 | -64.1% | 0.0% |
| ATLANTA POSTAL | $205,000 | n/a | 0.0% | |
| LAKEVIEW LOAN SERVICING, LLC | $175,000 | $205,000 | 17.1% | 0.0% |
| STOCKTON MORTGAGE CORPORATION | $330,000 | $205,000 | -37.9% | 0.0% |
| Oconee State Bank | $195,000 | n/a | 0.0% | |
| MORTGAGE INVESTORS GROUP, INC. | $490,000 | $185,000 | -62.2% | 0.0% |
| MILEND, INC. | $175,000 | n/a | 0.0% | |
| Bank of England | $165,000 | n/a | 0.0% | |
| DIRECT LENDERS, LLC | $165,000 | n/a | 0.0% | |
| PNC Bank | $45,000 | $165,000 | 266.7% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $145,000 | $165,000 | 13.8% | 0.0% |
| Bethpage Federal Credit Union | $160,000 | n/a | 0.0% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $155,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $345,000 | $155,000 | -55.1% | 0.0% |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | $155,000 | n/a | 0.0% | |
| Pinnacle Bank | $155,000 | n/a | 0.0% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $85,000 | $150,000 | 76.5% | 0.0% |
| CANOPY MORTGAGE, LLC | $145,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $145,000 | n/a | 0.0% | |
| Wells Fargo Bank | $635,000 | $145,000 | -77.2% | 0.0% |
| Paramount Residential Mortgage Group, Inc. | $135,000 | n/a | 0.0% | |
| Presidential Bank, FSB | $125,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $480,000 | $125,000 | -74.0% | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $120,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $150,000 | $120,000 | -20.0% | 0.0% |
| Nations Lending Corporation | $115,000 | n/a | 0.0% | |
| Georgia Community Bank | $105,000 | n/a | 0.0% | |
| THE SOUTHERN Credit Union | $100,000 | n/a | 0.0% | |
| JPMorgan Chase Bank | $255,000 | $95,000 | -62.7% | 0.0% |
| First National Bank of Griffin | $65,000 | n/a | 0.0% | |
| Associated Credit Union | $55,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $45,000 | $55,000 | 22.2% | 0.0% |
| Pinnacle Bank | $45,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $35,000 | n/a | 0.0% | |
| Figure Lending LLC | $120,000 | $25,000 | -79.2% | 0.0% |
Thomaston's top lender by overall market share is The Peoples Bank of Georgia, with 90.5% market share. In second place, with 1.3%, is QUICKEN LOANS, LLC, having originated $10,125,000 in loans. In third place, with 1.2%, is United Bank, having originated $9,205,000 in loans. In fourth place, with 1.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $7,695,000 in loans. In fifth place, with 0.5%, is VAN DYK MORTGAGE CORPORATION, having originated $4,355,000 in loans.
Thomaston, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 258 | $762,460,000 | $2,955,271 |
| Refi | 87 | $14,435,000 | $165,920 |
| Cash Out Refi | 63 | $11,565,000 | $183,571 |
| Home Improvement | 42 | $3,250,000 | $77,381 |
| Other | 39 | $2,845,000 | $72,949 |
Thomaston's most frequently cited loan purpose was Home Purchase, with 258 originations. The 2nd most popular reason was Refi, with 87 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 153 | $32,105,000 | $209,837 |
| Over 8% | 87 | $9,955,000 | $114,425 |
| 7-8% | 84 | $14,430,000 | $171,786 |
| 5-6% | 78 | $16,230,000 | $208,077 |
| <2.5% | 7 | $355,000 | $50,714 |
| 4-5% | 5 | $715,000 | $143,000 |
| 3-4% | 1 | $225,000 | $225,000 |
During 2024, Thomaston's most frequently originated rate bucket was 6-7%, with 153 originations.
Loan Sizing (Thomaston, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 185 | $28,175,000 | $152,297 |
| $200k-400k | 146 | $38,480,000 | $263,562 |
| $100,000 or less | 139 | $7,905,000 | $56,871 |
| $400k-600k | 13 | $6,295,000 | $484,231 |
| $600k-1000k | 5 | $3,405,000 | $681,000 |
| $Over $1MM | 1 | $710,295,000 | $710,295,000 |
Thomaston's loan sizing saw the bucket of loans from $100k-200k with 185 originations, totaling $28,175,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 183 | $41,905,000 | $228,989 |
| 60-80% | 92 | $16,960,000 | $184,348 |
| Under 20% | 46 | $1,780,000 | $38,696 |
| 40-60% | 45 | $6,855,000 | $152,333 |
| 20-40% | 42 | $3,520,000 | $83,810 |
| Over 100% | 4 | $1,130,000 | $282,500 |
Thomaston's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 183 originations, totaling $41,905,000 in origination value.