Thomaston Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Thomaston averaged 6.72% 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 7% and one month ago for the week of 2023-02-16, the average rate was 6.52%.

    Thomaston's average rate one year ago was 4.02%.

    For refis of the same type during the week of 2023-03-23, the average rate was 7.09%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-23 6.42%
    Thomaston 30 Year Fixed Rate 2023-03-23 6.72%
    Thomaston 30 Year Fixed Rate Refi 2023-03-23 7.09%
    Thomaston 15 Year Fixed Rate 2023-03-23 5.87%
    Thomaston 15 Year Fixed Rate Refi 2023-03-23 5.86%
    Thomaston 30 Year FHA 2023-03-23 6.62%
    Thomaston 30 Year FHA Refi 2023-03-23 6.23%
    Thomaston 30 Year USDA 2023-03-23 6.58%
    Thomaston 30 Year USDA Refi 2023-03-23 6%
    Thomaston 30 Year VA 2023-03-23 6.48%
    Thomaston 30 Year VA Refi 2023-03-23 6.02%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Thomaston, GA.

    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.).

    Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    QUICKEN LOANS, LLC 29 4.67% $5,419
    United Bank 15 5.20% $5,006
    UNITED WHOLESALE MORTGAGE, LLC 10 4.91% $4,957
    HOMESTAR FINANCIAL CORPORATION 8 5.63% $3,241
    VAN DYK MORTGAGE CORPORATION 7 4.57% $2,692
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 4.98% $4,092
    Mr. Cooper ( Nationstar Mortgage ) 5 5.55% $6,222
    LOANDEPOT.COM, LLC 4 4.62% $4,801
    BROKER SOLUTIONS, INC. 4 5.78% $4,357
    Prosperity Home Mortgage, LLC 4 5.44% $4,407
    JPMorgan Chase Bank 3 5.29% $4,350
    Colony Bank 3 5.54% $5,192
    ZILLOW HOME LOANS, LLC 2 6.25% $4,390
    Ameris Bank 2 6.38% $7,378
    SOUTHPOINT FINANCIAL SERVICES, INC. 2 5.75% $7,782
    MOVEMENT MORTGAGE, LLC 2 5.69% $6,552
    AMERISAVE MORTGAGE CORPORATION 2 3.44% $6,780
    NAVY FEDERAL CREDIT UNION 2 5.81% $2,570
    VANDERBILT MORTGAGE AND FINANCE, INC. 2 5.50% $3,963
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 5.19% $5,990
    HOMESIDE FINANCIAL, LLC 2 5.75% $4,911
    ON Q FINANCIAL, INC. 1 5.25% $4,434
    ONY GLO, INC. 1 3.99% $3,840
    RADIUS FINANCIAL GROUP INC. 1 5.99% $4,314
    Renasant Bank 1 6.00% $16,882
    ROBINS FINANCIAL 1 5.38% $3,760
    ROYAL UNITED MORTGAGE LLC 1 7.13% $5,906
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 5.00% $7,613
    STATE EMPLOYEES' 1 4.00% $4,361
    STEARNS LENDING, LLC 1 2.99% $5,889
    Synovus Bank 1 5.88% $3,495
    Third Federal Savings and Loan Association of Cleveland 1 3.09% $3,035
    21ST MORTGAGE CORPORATION 1 6.05% $6,680
    U.S. Bank 1 5.38% $4,705
    Wells Fargo Bank 1 4.63% $0
    THRIVE MORTGAGE, LLC 1 6.75% $5,541
    AgFirst Farm Credit Bank 1 3.25% $3,790
    Bank of America 1 5.88% $3,854
    BETTER MORTGAGE CORPORATION 1 4.88% $5,384
    Capital City Home Loans, LLC 1 6.13% $9,791
    Chicago Mortgage Solutions LLC 1 5.45% $3,490
    Citizens Bank 1 3.88% $2,793
    DELTA COMMUNITY CREDIT UNION 1 5.00% $3,379
    Discover Bank 1 7.24% $0
    EMBRACE HOME LOANS, INC. 1 4.99% $4,206
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 7.00% $4,333
    EVERETT FINANCIAL, INC. 1 4.25% $2,245
    Evolve Bank & Trust 1 5.63% $11,217
    First Federal Bank, A FSB 1 3.88% $4,921
    First Option Mortgage, LLC 1 8.00% $6,807
    Flagstar Bank, FSB 1 7.13% $7,001
    JET HOMELOANS, LLC 1 5.75% $3,858
    LOANPAL, LLC 1 4.99% $3,360
    MILEND, INC. 1 5.38% $6,092
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.00% $3,653
    NATIONWIDE MORTGAGE BANKERS, INC. 1 7.38% $13,525

    Thomaston Average Closing Costs & Other Stats

    Thomaston, GA's 56 lenders originated 642 loans during 2022. The total origination value was $103,050,000, with an average loan value of $160,514.

    Thomaston's average closing costs are $4,858.

    The top Thomaston lender as defined by loan originations is QUICKEN LOANS, LLC, with 29 loans originated. Their average total fees are $5,419, which is $413 higher than the next largest lender, United Bank.

    The lowest fee Thomaston lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($4,957), United Bank ($5,006), QUICKEN LOANS, LLC ($5,419), .

    The lowest rate Thomaston lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (4.67%), UNITED WHOLESALE MORTGAGE, LLC (4.91%), United Bank (5.20%), .

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    The Peoples Bank of Georgia $12,660,000 $11,535,000 -8.9% 11.2%
    QUICKEN LOANS, LLC $19,130,000 $11,350,000 -40.7% 11.0%
    United Bank $12,760,000 $10,670,000 -16.4% 10.4%
    VAN DYK MORTGAGE CORPORATION $7,680,000 $7,365,000 -4.1% 7.1%
    UNITED WHOLESALE MORTGAGE, LLC $5,380,000 $5,220,000 -3.0% 5.1%
    HOMESTAR FINANCIAL CORPORATION $5,435,000 $3,700,000 -31.9% 3.6%
    BROKER SOLUTIONS, INC. $5,855,000 $3,645,000 -37.7% 3.5%
    Mortgage Research Center, LLC $1,110,000 $2,475,000 123.0% 2.4%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,000,000 $2,370,000 18.5% 2.3%
    ServisFirst Bank $1,855,000 n/a 1.8%
    AMERISAVE MORTGAGE CORPORATION $210,000 $1,570,000 647.6% 1.5%
    Prosperity Home Mortgage, LLC $815,000 $1,440,000 76.7% 1.4%
    SOUTHPOINT FINANCIAL SERVICES, INC. $3,580,000 $1,420,000 -60.3% 1.4%
    RADIUS FINANCIAL GROUP INC. $1,400,000 n/a 1.4%
    Capital City Home Loans, LLC $540,000 $1,115,000 106.5% 1.1%
    Ameris Bank $1,165,000 $1,015,000 -12.9% 1.0%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,585,000 $970,000 -38.8% 0.9%
    NAVY FEDERAL CREDIT UNION $625,000 $915,000 46.4% 0.9%
    21ST MORTGAGE CORPORATION $730,000 $900,000 23.3% 0.9%
    Flagstar Bank, FSB $1,295,000 $900,000 -30.5% 0.9%
    Mr. Cooper ( Nationstar Mortgage ) $1,210,000 $885,000 -26.9% 0.9%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $2,370,000 $870,000 -63.3% 0.8%
    Equity Prime Mortgage LLC $835,000 n/a 0.8%
    CROSSCOUNTRY MORTGAGE, LLC $830,000 n/a 0.8%
    Carrington Mortgage Services, LLC $1,840,000 $815,000 -55.7% 0.8%
    SOUTHEAST MORTGAGE OF GEORGIA, INC. $475,000 $790,000 66.3% 0.8%
    JPMorgan Chase Bank $360,000 $770,000 113.9% 0.7%
    CMG MORTGAGE, INC. $500,000 $725,000 45.0% 0.7%
    NEWREZ LLC $385,000 $690,000 79.2% 0.7%
    THRIVE MORTGAGE, LLC $685,000 n/a 0.7%
    LOANDEPOT.COM, LLC $1,865,000 $665,000 -64.3% 0.6%
    NBKC BANK $105,000 $645,000 514.3% 0.6%
    FREEDOM MORTGAGE CORPORATION $2,315,000 $635,000 -72.6% 0.6%
    EVERETT FINANCIAL, INC. $210,000 $620,000 195.2% 0.6%
    HOMEOWNERS FINANCIAL GROUP USA, LLC $360,000 $620,000 72.2% 0.6%
    Colony Bank $380,000 $615,000 61.8% 0.6%
    HOMESIDE FINANCIAL, LLC $175,000 $550,000 214.3% 0.5%
    Armed Forces Bank $535,000 n/a 0.5%
    ON Q FINANCIAL, INC. $495,000 n/a 0.5%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $615,000 $455,000 -26.0% 0.4%
    Renasant Bank $160,000 $455,000 184.4% 0.4%
    ZILLOW HOME LOANS, LLC $455,000 n/a 0.4%
    Nations Lending Corporation $485,000 $440,000 -9.3% 0.4%
    Platinum Home Mortgage Corporation $185,000 $440,000 137.8% 0.4%
    Plains Commerce Bank $430,000 n/a 0.4%
    THE MORTGAGE FIRM, INC. $730,000 $425,000 -41.8% 0.4%
    ROBINS FINANCIAL $245,000 $410,000 67.3% 0.4%
    BETTER MORTGAGE CORPORATION $380,000 n/a 0.4%
    LAKEVIEW LOAN SERVICING, LLC $425,000 $370,000 -12.9% 0.4%
    ONY GLO, INC. $365,000 n/a 0.4%
    Third Federal Savings and Loan Association of Cleveland $135,000 $365,000 170.4% 0.4%
    Wells Fargo Bank $1,350,000 $365,000 -73.0% 0.4%
    MOVEMENT MORTGAGE, LLC $360,000 n/a 0.3%
    Regions Bank $295,000 $355,000 20.3% 0.3%
    GUARANTY HOME MORTGAGE CORPORATION $325,000 n/a 0.3%
    NATIONWIDE MORTGAGE BANKERS, INC. $315,000 n/a 0.3%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $55,000 $305,000 454.5% 0.3%
    AMERICAN FINANCING CORPORATION $300,000 n/a 0.3%
    SUCCESS MORTGAGE PARTNERS, INC. $300,000 n/a 0.3%
    TRIAD FINANCIAL SERVICES, INC. $250,000 $285,000 14.0% 0.3%
    HOME POINT FINANCIAL CORPORATION $1,620,000 $280,000 -82.7% 0.3%
    Chicago Mortgage Solutions LLC $245,000 $265,000 8.2% 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $260,000 n/a 0.3%
    PENNYMAC LOAN SERVICES, LLC $2,280,000 $255,000 -88.8% 0.2%
    Evolve Bank & Trust $325,000 $245,000 -24.6% 0.2%
    LIMA ONE CAPITAL, LLC $245,000 n/a 0.2%
    CALIBER HOME LOANS, INC. $210,000 $240,000 14.3% 0.2%
    ROYAL UNITED MORTGAGE LLC $115,000 $230,000 100.0% 0.2%
    ASPIRE FINANCIAL, INC. $225,000 n/a 0.2%
    FIRST COMMUNITY MORTGAGE, INC. $175,000 $225,000 28.6% 0.2%
    DELTA COMMUNITY CREDIT UNION $45,000 $220,000 388.9% 0.2%
    Bank of England $270,000 $215,000 -20.4% 0.2%
    STATE EMPLOYEES' $215,000 n/a 0.2%
    VILLAGE CAPITAL MORTGAGE $410,000 $215,000 -47.6% 0.2%
    Truist $300,000 $210,000 -30.0% 0.2%
    Mid-Continent Funding, Inc. $355,000 $205,000 -42.3% 0.2%
    STEARNS LENDING, LLC $395,000 $195,000 -50.6% 0.2%
    LENDINGHOME FUNDING CORPORATION $85,000 $190,000 123.5% 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $105,000 $185,000 76.2% 0.2%
    ACOPIA, LLC $180,000 n/a 0.2%
    UTILITIES EMPLOYEES CREDIT UNION $180,000 n/a 0.2%
    1ST SIGNATURE LENDING, LLC $155,000 $175,000 12.9% 0.2%
    U.S. Bank $85,000 $175,000 105.9% 0.2%
    CERTAINTY HOME LOANS, LLC $165,000 n/a 0.2%
    First Option Mortgage, LLC $165,000 n/a 0.2%
    GUARANTEED RATE, INC. $165,000 n/a 0.2%
    The Federal Savings Bank $185,000 $165,000 -10.8% 0.2%
    PHH Mortgage Corporation $75,000 $160,000 113.3% 0.2%
    CIVIC FINANCIAL SERVICES, LLC $155,000 n/a 0.2%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $155,000 n/a 0.2%
    Peoples Bank $155,000 n/a 0.2%
    PREMIA MORTGAGE, LLC $155,000 n/a 0.2%
    1ST PREFERENCE MORTGAGE CORP. $145,000 n/a 0.1%
    Barrington Bank & Trust Company, N.A. $145,000 n/a 0.1%
    Magnolia Bank $225,000 $145,000 -35.6% 0.1%
    MILEND, INC. $400,000 $145,000 -63.8% 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $415,000 $145,000 -65.1% 0.1%
    TOP FLITE FINANCIAL, INC. $145,000 n/a 0.1%
    Bank of America $155,000 $135,000 -12.9% 0.1%
    First Federal Bank, A FSB $135,000 n/a 0.1%
    OCEANSIDE MORTGAGE COMPANY $135,000 n/a 0.1%
    AgFirst Farm Credit Bank $3,445,000 $115,000 -96.7% 0.1%
    Synovus Bank $830,000 $115,000 -86.1% 0.1%
    Figure Lending LLC $15,000 $105,000 600.0% 0.1%
    JET HOMELOANS, LLC $105,000 n/a 0.1%
    LAND HOME FINANCIAL SERVICES, INC. $105,000 n/a 0.1%
    Citizens Bank $165,000 $95,000 -42.4% 0.1%
    Discover Bank $85,000 n/a 0.1%
    LIBERTY HOME MORTGAGE CORPORATION $155,000 $85,000 -45.2% 0.1%
    NEW DAY FINANCIAL, LLC $85,000 n/a 0.1%
    WINGS FINANCIAL $85,000 n/a 0.1%
    Woodford State Bank $85,000 n/a 0.1%
    EMBRACE HOME LOANS, INC. $75,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $75,000 n/a 0.1%
    LONGBRIDGE FINANCIAL, LLC $75,000 n/a 0.1%
    SPRING EQ, LLC $75,000 n/a 0.1%
    Gateway First Bank $65,000 n/a 0.1%
    Hometown Equity Mortgage, LLC $65,000 n/a 0.1%
    LOANPAL, LLC $65,000 n/a 0.1%
    First National Bank of Griffin $145,000 $55,000 -62.1% 0.1%
    CREDIT UNION OF GEORGIA $35,000 n/a 0.0%
    BancorpSouth Bank $25,000 n/a 0.0%

    Thomaston's top lender by overall market share is The Peoples Bank of Georgia, with 11.2% market share. In second place, with 11.0%, is QUICKEN LOANS, LLC, having originated $11,350,000 in loans. In third place, with 10.4%, is United Bank, having originated $10,670,000 in loans. In fourth place, with 7.1%, is VAN DYK MORTGAGE CORPORATION, having originated $7,365,000 in loans. In fifth place, with 5.1%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $5,220,000 in loans.

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

    Realtor.com - Thomaston (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 $116,875 (12.7%) $178,756 (20.6%) 0.00 102
    2018-02-01 $114,475 (16.8%) $177,982 (26.9%) 0.00 101
    2018-03-01 $109,950 (16.3%) $172,557 (28.2%) 0.00 90
    2018-04-01 $119,750 (33.2%) $188,357 (40.5%) 0.00 82
    2018-05-01 $125,125 (39.2%) $193,265 (42.0%) 0.00 83
    2018-06-01 $119,450 (33.0%) $188,278 (38.8%) 0.00 81
    2018-07-01 $125,125 (25.3%) $198,906 (38.1%) 0.00 87
    2018-08-01 $123,500 (8.5%) $190,138 (19.5%) 0.00 91
    2018-09-01 $118,500 (3.3%) $180,028 (10.1%) 0.00 92
    2018-10-01 $143,325 (21.6%) $202,570 (28.7%) 0.00 88
    2018-11-01 $154,450 (28.8%) $212,239 (23.3%) 0.00 86
    2018-12-01 $140,000 (17.0%) $245,127 (38.5%) 0.00 85
    2019-01-01 $152,725 (30.7%) $256,646 (43.6%) 0.00 86
    2019-02-01 $149,900 (31.0%) $246,354 (38.4%) 0.00 93
    2019-03-01 $149,900 (36.3%) $262,902 (52.4%) 0.00 83
    2019-04-01 $151,200 (26.3%) $274,497 (45.7%) 0.00 80
    2019-05-01 $148,700 (18.8%) $275,327 (42.5%) 0.00 84
    2019-06-01 $156,499 (31.0%) $247,851 (31.6%) 0.00 107
    2019-07-01 $151,999 (21.5%) $231,836 (16.6%) 0.00 102
    2019-08-01 $154,181 (24.8%) $224,803 (18.2%) 0.00 96
    2019-09-01 $155,204 (31.0%) $214,780 (19.3%) 0.00 92
    2019-10-01 $153,885 (7.4%) $203,190 (0.3%) 0.00 90
    2019-11-01 $149,900 (-3.0%) $197,010 (-7.2%) 0.00 96
    2019-12-01 $147,425 (5.3%) $187,188 (-23.6%) 0.00 92
    2020-01-01 $147,450 (-3.5%) $197,151 (-23.2%) 0.00 89
    2020-02-01 $149,900 (0.0%) $212,606 (-13.7%) 0.00 78
    2020-03-01 $145,000 (-3.3%) $212,511 (-19.2%) 0.00 77
    2020-04-01 $154,100 (1.9%) $202,595 (-26.2%) 0.00 74
    2020-05-01 $152,999 (2.9%) $200,582 (-27.2%) 0.00 65
    2020-06-01 $161,999 (3.5%) $216,308 (-12.7%) 0.00 56
    2020-07-01 $163,450 (7.5%) $212,262 (-8.4%) 0.00 51
    2020-08-01 $164,900 (7.0%) $232,466 (3.4%) 0.00 43
    2020-09-01 $156,425 (0.8%) $236,206 (10.0%) 0.00 45
    2020-10-01 $174,450 (13.4%) $239,309 (17.8%) 0.00 45
    2020-11-01 $164,999 (10.1%) $225,133 (14.3%) 0.00 47
    2020-12-01 $149,900 (1.7%) $201,872 (7.8%) 0.00 49
    2021-01-01 $134,950 (-8.5%) $204,429 (3.7%) 0.00 48
    2021-02-01 $134,925 (-10.0%) $256,993 (20.9%) 0.00 43
    2021-03-01 $137,500 (-5.2%) $226,699 (6.7%) 0.00 31
    2021-04-01 $160,000 (3.8%) $253,973 (25.4%) 0.00 30
    2021-05-01 $183,700 (20.1%) $251,279 (25.3%) 0.00 24
    2021-06-01 $198,675 (22.6%) $277,293 (28.2%) 0.00 36
    2021-07-01 $204,950 (25.4%) $312,544 (47.2%) 0.00 34
    2021-08-01 $202,450 (22.8%) $331,240 (42.5%) 0.00 35
    2021-09-01 $194,900 (24.6%) $302,881 (28.2%) 0.00 49
    2021-10-01 $199,900 (14.6%) $316,985 (32.5%) 0.00 47
    2021-11-01 $194,400 (17.8%) $280,690 (24.7%) 0.00 34
    2021-12-01 $193,150 (28.9%) $282,174 (39.8%) 0.00 29
    2022-01-01 $199,900 (48.1%) $309,015 (51.2%) 0.00 24
    2022-02-01 $229,900 (70.4%) $333,846 (29.9%) 0.00 29
    2022-03-01 $213,900 (55.6%) $289,830 (27.9%) 0.00 39
    2022-04-01 $215,000 (34.4%) $275,807 (8.6%) 0.00 41
    2022-05-01 $203,500 (10.8%) $285,733 (13.7%) 0.00 47
    2022-06-01 $198,625 (0.0%) $264,280 (-4.7%) 0.00 63
    2022-07-01 $199,500 (-2.7%) $269,163 (-13.9%) 0.00 80
    2022-08-01 $202,875 (0.2%) $270,574 (-18.3%) 0.00 97
    2022-09-01 $219,950 (12.9%) $280,032 (-7.5%) 0.00 102
    2022-10-01 $221,000 (10.6%) $279,521 (-11.8%) 0.00 108
    2022-11-01 $207,550 (6.8%) $267,118 (-4.8%) 0.00 115
    2022-12-01 $215,000 (11.3%) $277,697 (-1.6%) 0.00 102
    2023-01-01 $198,650 (-0.6%) $268,788 (-13.0%) 0.00 90
    2023-02-01 $179,900 (-21.8%) $257,744 (-22.8%) 0.00 88
    Thomaston's median listing price for 2023-02-01 was $179,900, a difference of $-50,000 (-21.8%) versus the prior year and $-18,750 versus the prior month.

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

    Thomaston's average listing price for 2023-02-01 was $257,744, a difference of $-76,102 (-22.8%) versus the prior year and $-11,044 versus the prior month.

    For the 2023-02-01 period, Thomaston had 88 MLS listings, a difference of -2 listings (-2%) versus the prior month and 59 listings (203%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Thomaston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,941 sqft
    2018-02-01 0 days 1,933 sqft
    2018-03-01 0 days 1,946 sqft
    2018-04-01 0 days 1,985 sqft
    2018-05-01 0 days 1,921 sqft
    2018-06-01 0 days 1,922 sqft
    2018-07-01 0 days 1,945 sqft
    2018-08-01 0 days 1,882 sqft
    2018-09-01 0 days 1,710 sqft
    2018-10-01 0 days 1,723 sqft
    2018-11-01 0 days 1,843 sqft
    2018-12-01 0 days 1,953 sqft
    2019-01-01 0 days 1,979 sqft
    2019-02-01 0 days 1,972 sqft
    2019-03-01 0 days 2,007 sqft
    2019-04-01 0 days 2,023 sqft
    2019-05-01 0 days 2,032 sqft
    2019-06-01 0 days 1,972 sqft
    2019-07-01 0 days 1,930 sqft
    2019-08-01 0 days 1,902 sqft
    2019-09-01 0 days 1,871 sqft
    2019-10-01 0 days 1,803 sqft
    2019-11-01 0 days 1,777 sqft
    2019-12-01 0 days 1,716 sqft
    2020-01-01 0 days 1,750 sqft
    2020-02-01 0 days 1,772 sqft
    2020-03-01 0 days 1,750 sqft
    2020-04-01 0 days 1,809 sqft
    2020-05-01 0 days 1,737 sqft
    2020-06-01 0 days 1,752 sqft
    2020-07-01 0 days 1,825 sqft
    2020-08-01 0 days 1,968 sqft
    2020-09-01 0 days 1,763 sqft
    2020-10-01 0 days 1,972 sqft
    2020-11-01 0 days 1,890 sqft
    2020-12-01 0 days 1,640 sqft
    2021-01-01 0 days 1,632 sqft
    2021-02-01 0 days 1,665 sqft
    2021-03-01 0 days 1,602 sqft
    2021-04-01 0 days 1,698 sqft
    2021-05-01 0 days 1,748 sqft
    2021-06-01 0 days 1,837 sqft
    2021-07-01 0 days 1,775 sqft
    2021-08-01 0 days 1,921 sqft
    2021-09-01 0 days 1,750 sqft
    2021-10-01 0 days 1,799 sqft
    2021-11-01 0 days 1,672 sqft
    2021-12-01 0 days 1,820 sqft
    2022-01-01 0 days 1,765 sqft
    2022-02-01 0 days 1,877 sqft
    2022-03-01 0 days 1,540 sqft
    2022-04-01 0 days 1,616 sqft
    2022-05-01 0 days 1,664 sqft
    2022-06-01 0 days 1,578 sqft
    2022-07-01 0 days 1,609 sqft
    2022-08-01 0 days 1,626 sqft
    2022-09-01 0 days 1,618 sqft
    2022-10-01 0 days 1,604 sqft
    2022-11-01 0 days 1,585 sqft
    2022-12-01 0 days 1,573 sqft
    2023-01-01 0 days 1,539 sqft
    2023-02-01 0 days 1,438 sqft
    Thomaston's median listing age (time on market) for 2023-02-01 was 0 days.

    Thomaston's median square footage for active listings during the 2023-02-01 period was 1,438 sqft. One year prior, the average listing was 1,877 sqft.

    Thomaston, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 368 $69,870,000 $189,864
    Cash Out Refi 130 $18,490,000 $142,231
    Refi 79 $10,275,000 $130,063
    Other 42 $2,640,000 $62,857
    Home Improvement 23 $1,775,000 $77,174

    Thomaston's most frequently cited loan purpose was Home Purchase, with 368 originations. The 2nd most popular reason was Cash Out Refi, with 130 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 157 $27,175,000 $173,089
    4-5% 135 $22,725,000 $168,333
    3-4% 103 $16,245,000 $157,718
    6-7% 85 $12,615,000 $148,412
    7-8% 34 $5,140,000 $151,176
    2.5-3% 29 $4,215,000 $145,345
    Over 8% 13 $1,465,000 $112,692
    <2.5% 9 $1,795,000 $199,444

    During 2022, Thomaston's most frequently originated rate bucket was 5-6%, with 157 originations.

    Loan Sizing (Thomaston, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 285 $41,565,000 $145,842
    $100,000 or less 193 $11,965,000 $61,995
    $200k-400k 138 $35,390,000 $256,449
    $400k-600k 22 $10,280,000 $467,273
    $600k-1000k 3 $1,995,000 $665,000
    $Over $1MM 1 $1,855,000 $1,855,000

    Thomaston's loan sizing saw the bucket of loans from $100k-200k with 285 originations, totaling $41,565,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 267 $50,675,000 $189,794
    60-80% 135 $25,035,000 $185,444
    40-60% 74 $8,560,000 $115,676
    20-40% 48 $3,560,000 $74,167
    Under 20% 30 $990,000 $33,000
    Over 100% 10 $2,470,000 $247,000

    Thomaston's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 267 originations, totaling $50,675,000 in origination value.