Toccoa Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Toccoa averaged 6.93% for the week of 2024-05-23, compared to the national average of 6.94% for the same period.

The average rate for the prior week (2024-05-16) was 7.31% and one month ago for the week of 2024-04-18, the average rate was 7.29%.

Toccoa's average rate one year ago was 6.78%.

For refis of the same type during the week of 2024-05-23, the average rate was 6.84%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-05-23 6.94%
Toccoa 30 Year Fixed Rate 2024-05-23 6.93%
Toccoa 30 Year Fixed Rate Refi 2024-05-23 6.84%
Toccoa 15 Year Fixed Rate 2024-05-23 6.34%
Toccoa 15 Year Fixed Rate Refi 2024-05-23 6.44%
Toccoa 30 Year FHA 2024-05-23 6.74%
Toccoa 30 Year FHA Refi 2024-05-23 6.75%
Toccoa 30 Year USDA 2024-05-23 6.54%
Toccoa 30 Year USDA Refi 2024-05-23 6.54%
Toccoa 30 Year VA 2024-05-23 6.57%
Toccoa 30 Year VA Refi 2024-05-23 6.57%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Toccoa, GA.

Toccoa 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 Toccoa, 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 17 7.15% $5,921
UNITED WHOLESALE MORTGAGE, LLC 14 7.11% $6,393
HOMESTAR FINANCIAL CORPORATION 10 6.51% $4,025
21ST MORTGAGE CORPORATION 6 7.96% $6,090
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.72% $7,219
VANDERBILT MORTGAGE AND FINANCE, INC. 4 6.16% $6,931
Regions Bank 4 7.19% $3,772
PENNYMAC LOAN SERVICES, LLC 4 6.75% $6,060
LOANDEPOT.COM, LLC 4 6.62% $5,733
HOMEOWNERS FINANCIAL GROUP USA, LLC 4 7.09% $6,972
PREMIER MORTGAGE RESOURCES, L.L.C. 3 7.33% $6,130
South State Bank 3 7.21% $4,604
Renasant Bank 3 6.58% $5,298
UNION HOME MORTGAGE CORP. 3 6.67% $8,794
Ameris Bank 3 6.67% $3,884
First Option Mortgage, LLC 3 7.33% $7,267
NAVY FEDERAL CREDIT UNION 2 6.75% $2,426
PEACH STATE FEDERAL CREDIT UNION 2 5.81% $5,504
JPMorgan Chase Bank 2 6.81% $5,578
BROKER SOLUTIONS, INC. 2 6.49% $6,582
Magnolia Bank 2 6.75% $4,999
Mortgage Research Center, LLC 2 7.44% $4,851
MOVEMENT MORTGAGE, LLC 2 6.68% $4,233
EVERETT FINANCIAL, INC. 2 7.49% $9,070
GENEVA FINANCIAL, LLC 2 6.94% $7,227
SWBC MORTGAGE CORPORATION 1 6.75% $6,224
The Huntington National Bank 1 8.13% $7,133
THE MORTGAGE FIRM, INC. 1 7.38% $5,193
Truist 1 6.99% $3,384
USAA Federal Savings Bank 1 6.38% $5,127
Wells Fargo Bank 1 6.13% $6,376
WEST COMMUNITY 1 7.38% $3,613
AMERICAN FINANCIAL NETWORK, INC. 1 6.63% $4,938
AMERICAN FINANCING CORPORATION 1 5.99% $6,300
Associated Credit Union 1 6.00% $10,748
Bank of America 1 6.38% $4,267
CALIBER HOME LOANS, INC. 1 6.99% $7,531
CARDINAL FINANCIAL 1 6.99% $5,453
Carrington Mortgage Services, LLC 1 6.25% $7,222
Colony Bank 1 8.00% $6,505
Fifth Third Bank 1 6.63% $4,715
First-Citizens Bank & Trust Company 1 6.72% $2,690
Flagstar Bank, FSB 1 6.13% $5,275
GUARANTEED RATE AFFINITY, LLC 1 6.95% $6,969
GUARANTEED RATE, INC. 1 6.99% $3,512
LEADERONE FINANCIAL CORPORATION 1 6.63% $3,636
Metro City Bank 1 7.25% $5,388
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.75% $4,352
NASA Federal Credit Union 1 6.63% $5,866
NATIONS DIRECT MORTGAGE, LLC 1 10.13% $10,885
NEWREZ LLC 1 7.63% $8,285
Prosperity Home Mortgage, LLC 1 6.88% $11,739
RELIANCE FIRST CAPITAL, LLC 1 6.99% $8,913
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 7.63% $19,165
STATE EMPLOYEES' 1 6.25% $5,631
STOCKTON MORTGAGE CORPORATION 1 5.50% $9,107

Toccoa Average Closing Costs & Other Stats

Toccoa, GA's 56 lenders originated 462 loans during 2023. The total origination value was $89,540,000, with an average loan value of $193,810.

Toccoa's average closing costs are $5,010.

The top Toccoa lender as defined by loan originations is QUICKEN LOANS, LLC, with 17 loans originated. Their average total fees are $5,921, which is $472 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Toccoa lenders (with over 10 loans originated) are HOMESTAR FINANCIAL CORPORATION ($4,025), QUICKEN LOANS, LLC ($5,921), UNITED WHOLESALE MORTGAGE, LLC ($6,393), .

The lowest rate Toccoa lenders (with over 10 loans originated) are HOMESTAR FINANCIAL CORPORATION (6.51%), UNITED WHOLESALE MORTGAGE, LLC (7.11%), QUICKEN LOANS, LLC (7.15%), .

Toccoa, 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
UNITED WHOLESALE MORTGAGE, LLC $1,770,000 $6,315,000 256.8% 7.1%
QUICKEN LOANS, LLC $8,790,000 $6,275,000 -28.6% 7.0%
HOMESTAR FINANCIAL CORPORATION $13,685,000 $4,835,000 -64.7% 5.4%
21ST MORTGAGE CORPORATION $2,055,000 $4,000,000 94.6% 4.5%
Mortgage Research Center, LLC $1,835,000 $3,915,000 113.4% 4.4%
HOMEOWNERS FINANCIAL GROUP USA, LLC $2,715,000 $3,775,000 39.0% 4.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,270,000 $3,230,000 154.3% 3.6%
Ameris Bank $5,755,000 $2,495,000 -56.6% 2.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,280,000 $2,430,000 6.6% 2.7%
Pinnacle Bank $2,070,000 $2,030,000 -1.9% 2.3%
Regions Bank $1,830,000 $1,950,000 6.6% 2.2%
First-Citizens Bank & Trust Company $4,480,000 $1,945,000 -56.6% 2.2%
PENNYMAC LOAN SERVICES, LLC $1,110,000 $1,780,000 60.4% 2.0%
Magnolia Bank $1,210,000 $1,470,000 21.5% 1.6%
South State Bank $2,160,000 $1,365,000 -36.8% 1.5%
PREMIER MORTGAGE RESOURCES, L.L.C. $175,000 $1,350,000 671.4% 1.5%
United Community Bank $2,245,000 $1,350,000 -39.9% 1.5%
UNION HOME MORTGAGE CORP. $1,315,000 n/a 1.5%
GREENVILLE FEDERAL CREDIT UNION $1,205,000 n/a 1.3%
STOCKTON MORTGAGE CORPORATION $805,000 $1,070,000 32.9% 1.2%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $420,000 $1,015,000 141.7% 1.1%
The Commercial Bank $1,005,000 n/a 1.1%
JPMorgan Chase Bank $430,000 $940,000 118.6% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $925,000 $940,000 1.6% 1.0%
GENEVA FINANCIAL, LLC $420,000 $900,000 114.3% 1.0%
AMERICAN FINANCIAL NETWORK, INC. $890,000 n/a 1.0%
EVERETT FINANCIAL, INC. $2,065,000 $890,000 -56.9% 1.0%
Wells Fargo Bank $380,000 $850,000 123.7% 0.9%
Northpointe Bank $115,000 $845,000 634.8% 0.9%
PNC Bank $425,000 $825,000 94.1% 0.9%
BROKER SOLUTIONS, INC. $745,000 $780,000 4.7% 0.9%
Flagstar Bank, FSB $240,000 $780,000 225.0% 0.9%
LOANDEPOT.COM, LLC $2,285,000 $750,000 -67.2% 0.8%
First Option Mortgage, LLC $1,190,000 $680,000 -42.9% 0.8%
Prosperity Home Mortgage, LLC $655,000 $675,000 3.1% 0.8%
GUARANTEED RATE, INC. $680,000 $635,000 -6.6% 0.7%
NEWREZ LLC $670,000 $590,000 -11.9% 0.7%
Renasant Bank $1,200,000 $585,000 -51.3% 0.7%
MORTGAGE INVESTORS GROUP, INC. $470,000 $580,000 23.4% 0.6%
NAVY FEDERAL CREDIT UNION $1,160,000 $560,000 -51.7% 0.6%
NEW DAY FINANCIAL, LLC $510,000 $530,000 3.9% 0.6%
MOVEMENT MORTGAGE, LLC $775,000 $525,000 -32.3% 0.6%
STATE EMPLOYEES' $515,000 n/a 0.6%
TRIAD FINANCIAL SERVICES, INC. $470,000 n/a 0.5%
PEACH STATE FEDERAL CREDIT UNION $895,000 $450,000 -49.7% 0.5%
AMERISAVE MORTGAGE CORPORATION $1,330,000 $420,000 -68.4% 0.5%
CAPITAL CENTER, L.L.C. $405,000 n/a 0.5%
WEST COMMUNITY $375,000 n/a 0.4%
FIRST COMMUNITY MORTGAGE, INC. $370,000 n/a 0.4%
TOWNE MORTGAGE COMPANY $370,000 n/a 0.4%
Carrington Mortgage Services, LLC $135,000 $345,000 155.6% 0.4%
Metro City Bank $330,000 n/a 0.4%
Associated Credit Union $245,000 $325,000 32.7% 0.4%
The Huntington National Bank $315,000 n/a 0.4%
CROSSCOUNTRY MORTGAGE, LLC $255,000 $295,000 15.7% 0.3%
NP, Inc. $295,000 n/a 0.3%
NASA Federal Credit Union $285,000 n/a 0.3%
DAS Acquisition Company, LLC $275,000 n/a 0.3%
GUILD MORTGAGE COMPANY $275,000 n/a 0.3%
SWBC MORTGAGE CORPORATION $275,000 n/a 0.3%
Colony Bank $265,000 n/a 0.3%
ACOPIA, LLC $470,000 $255,000 -45.7% 0.3%
CALIBER HOME LOANS, INC. $1,145,000 $255,000 -77.7% 0.3%
GEORGIA UNITED $255,000 n/a 0.3%
Lend Smart Mortgage, LLC $255,000 n/a 0.3%
RADIUS FINANCIAL GROUP INC. $310,000 $250,000 -19.4% 0.3%
PROVIDENT FUNDING ASSOCIATES, L.P. $245,000 n/a 0.3%
The Federal Savings Bank $315,000 $245,000 -22.2% 0.3%
THE MORTGAGE FIRM, INC. $2,095,000 $245,000 -88.3% 0.3%
GUARANTEED RATE AFFINITY, LLC $235,000 n/a 0.3%
Paramount Residential Mortgage Group, Inc. $340,000 $215,000 -36.8% 0.2%
PLANET HOME LENDING, LLC $215,000 n/a 0.2%
AMERICAN HERITAGE LENDING, INC. $205,000 n/a 0.2%
LENDINGHOME FUNDING CORPORATION $145,000 $205,000 41.4% 0.2%
LOANLEADERS OF AMERICA, INC. $205,000 n/a 0.2%
MILEND, INC. $295,000 $205,000 -30.5% 0.2%
NATIONS DIRECT MORTGAGE, LLC $205,000 n/a 0.2%
RELIANCE FIRST CAPITAL, LLC $205,000 n/a 0.2%
Truist $645,000 $205,000 -68.2% 0.2%
US MORTGAGE CORPORATION $570,000 $205,000 -64.0% 0.2%
MORTGAGE SOLUTIONS OF COLORADO, LLC $195,000 n/a 0.2%
USAA Federal Savings Bank $275,000 $195,000 -29.1% 0.2%
1ST SIGNATURE LENDING, LLC $475,000 $185,000 -61.1% 0.2%
Bank of England $515,000 $185,000 -64.1% 0.2%
First Federal Bank $175,000 $185,000 5.7% 0.2%
GMFS LLC $180,000 n/a 0.2%
BANKSOUTH MORTGAGE COMPANY, LLC $175,000 n/a 0.2%
Equity Prime Mortgage LLC $175,000 n/a 0.2%
OCMBC, INC. $170,000 n/a 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $145,000 $165,000 13.8% 0.2%
FREEDOM MORTGAGE CORPORATION $1,530,000 $165,000 -89.2% 0.2%
ZILLOW HOME LOANS, LLC $225,000 $165,000 -26.7% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $255,000 $155,000 -39.2% 0.2%
SOUTHPOINT FINANCIAL SERVICES, INC. $155,000 n/a 0.2%
Fifth Third Bank $855,000 $135,000 -84.2% 0.2%
HALLCO COMMUNITY CREDIT UNION $135,000 n/a 0.2%
U.S. Bank $505,000 $130,000 -74.3% 0.1%
AMERICAN FINANCING CORPORATION $230,000 $125,000 -45.7% 0.1%
FINANCE OF AMERICA REVERSE LLC $225,000 $125,000 -44.4% 0.1%
Peoples Bank & Trust $125,000 n/a 0.1%
Peach State Bank & Trust $115,000 n/a 0.1%
Citizens Bank $135,000 $110,000 -18.5% 0.1%
Bank of America $425,000 $105,000 -75.3% 0.1%
MEMBER FIRST MORTGAGE, LLC $460,000 $95,000 -79.3% 0.1%
Pinnacle Bank $2,070,000 $95,000 -95.4% 0.1%
CARDINAL FINANCIAL $85,000 n/a 0.1%
RUOFF MORTGAGE COMPANY, INC. $390,000 $85,000 -78.2% 0.1%
Synovus Bank $915,000 $80,000 -91.3% 0.1%
Community First Bank, Inc. $375,000 $75,000 -80.0% 0.1%
Discover Bank $75,000 n/a 0.1%
LOANPAL, LLC $75,000 n/a 0.1%
LONGBRIDGE FINANCIAL, LLC $75,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $55,000 $75,000 36.4% 0.1%
Figure Lending LLC $140,000 $70,000 -50.0% 0.1%
LEADERONE FINANCIAL CORPORATION $65,000 n/a 0.1%
Lakeview Community Capital, LLC $35,000 n/a 0.0%
ROBINS FINANCIAL $35,000 n/a 0.0%

Toccoa's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 7.1% market share. In second place, with 7.0%, is QUICKEN LOANS, LLC, having originated $6,275,000 in loans. In third place, with 5.4%, is HOMESTAR FINANCIAL CORPORATION, having originated $4,835,000 in loans. In fourth place, with 4.5%, is 21ST MORTGAGE CORPORATION, having originated $4,000,000 in loans. In fifth place, with 4.4%, is Mortgage Research Center, LLC, having originated $3,915,000 in loans.


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

Realtor.com - Toccoa (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 $216,000 (0.7%) $291,172 (6.4%) 0.00 124
2018-02-01 $216,000 (-1.9%) $287,059 (4.1%) 0.00 130
2018-03-01 $229,450 (1.8%) $289,124 (3.0%) 0.00 142
2018-04-01 $243,475 (8.2%) $298,603 (6.9%) 0.00 144
2018-05-01 $235,375 (3.7%) $297,791 (8.7%) 0.00 153
2018-06-01 $229,000 (-3.8%) $292,674 (4.4%) 0.00 158
2018-07-01 $250,000 (0.0%) $304,483 (2.9%) 0.00 149
2018-08-01 $250,000 (0.1%) $302,984 (1.4%) 0.00 136
2018-09-01 $235,000 (-6.0%) $292,799 (-4.0%) 0.00 135
2018-10-01 $225,000 (-0.4%) $282,041 (-6.4%) 0.00 146
2018-11-01 $220,000 (-10.6%) $303,628 (-0.5%) 0.00 143
2018-12-01 $239,000 (1.1%) $315,162 (3.3%) 0.00 129
2019-01-01 $244,950 (13.4%) $321,139 (10.3%) 0.00 123
2019-02-01 $224,000 (3.7%) $312,671 (8.9%) 0.00 115
2019-03-01 $200,143 (-12.8%) $284,988 (-1.4%) 0.00 118
2019-04-01 $191,818 (-21.2%) $267,286 (-10.5%) 0.00 123
2019-05-01 $214,175 (-9.0%) $278,289 (-6.6%) 0.00 111
2019-06-01 $199,900 (-12.7%) $270,920 (-7.4%) 0.00 115
2019-07-01 $205,825 (-17.7%) $270,769 (-11.1%) 0.00 123
2019-08-01 $179,655 (-28.1%) $264,438 (-12.7%) 0.00 121
2019-09-01 $186,711 (-20.6%) $267,007 (-8.8%) 0.00 122
2019-10-01 $215,350 (-4.3%) $275,868 (-2.2%) 0.00 116
2019-11-01 $250,000 (13.6%) $299,474 (-1.4%) 0.00 101
2019-12-01 $252,200 (5.5%) $302,360 (-4.1%) 0.00 89
2020-01-01 $252,450 (3.1%) $301,616 (-6.1%) 0.00 82
2020-02-01 $254,900 (13.8%) $297,139 (-5.0%) 0.00 78
2020-03-01 $247,000 (23.4%) $282,910 (-0.7%) 0.00 78
2020-04-01 $244,700 (27.6%) $281,015 (5.1%) 0.00 85
2020-05-01 $247,000 (15.3%) $292,465 (5.1%) 0.00 76
2020-06-01 $270,750 (35.4%) $314,663 (16.2%) 0.00 66
2020-07-01 $249,250 (21.1%) $307,401 (13.5%) 0.00 54
2020-08-01 $257,400 (43.3%) $308,117 (16.5%) 0.00 52
2020-09-01 $281,150 (50.6%) $320,551 (20.1%) 0.00 55
2020-10-01 $279,900 (30.0%) $321,748 (16.6%) 0.00 53
2020-11-01 $277,975 (11.2%) $313,730 (4.8%) 0.00 51
2020-12-01 $207,450 (-17.7%) $272,516 (-9.9%) 0.00 46
2021-01-01 $279,450 (10.7%) $304,661 (1.0%) 0.00 57
2021-02-01 $264,900 (3.9%) $334,119 (12.5%) 0.00 65
2021-03-01 $324,450 (31.4%) $386,218 (36.5%) 0.00 57
2021-04-01 $324,450 (32.6%) $393,109 (39.9%) 0.00 52
2021-05-01 $329,450 (33.4%) $401,060 (37.1%) 0.00 52
2021-06-01 $329,900 (21.9%) $383,757 (22.0%) 0.00 55
2021-07-01 $349,900 (40.4%) $431,142 (40.3%) 0.00 54
2021-08-01 $324,450 (26.1%) $364,725 (18.4%) 0.00 52
2021-09-01 $314,250 (11.8%) $339,940 (6.1%) 0.00 67
2021-10-01 $299,950 (7.2%) $330,551 (2.7%) 0.00 59
2021-11-01 $275,600 (-0.9%) $297,738 (-5.1%) 0.00 59
2021-12-01 $281,200 (35.6%) $307,148 (12.7%) 0.00 55
2022-01-01 $294,900 (5.5%) $318,000 (4.4%) 0.00 41
2022-02-01 $286,725 (8.2%) $300,579 (-10.0%) 0.00 40
2022-03-01 $289,950 (-10.6%) $321,792 (-16.7%) 0.00 43
2022-04-01 $307,500 (-5.2%) $326,739 (-16.9%) 0.00 38
2022-05-01 $278,475 (-15.5%) $339,034 (-15.5%) 0.00 54
2022-06-01 $277,000 (-16.0%) $334,770 (-12.8%) 0.00 49
2022-07-01 $268,900 (-23.2%) $311,806 (-27.7%) 0.00 65
2022-08-01 $281,200 (-13.3%) $310,385 (-14.9%) 0.00 85
2022-09-01 $284,900 (-9.3%) $317,232 (-6.7%) 0.00 78
2022-10-01 $269,750 (-10.1%) $310,999 (-5.9%) 0.00 79
2022-11-01 $282,400 (2.5%) $322,629 (8.4%) 0.00 75
2022-12-01 $309,900 (10.2%) $355,663 (15.8%) 0.00 64
2023-01-01 $328,650 (11.4%) $360,189 (13.3%) 0.00 59
2023-02-01 $334,950 (16.8%) $393,526 (30.9%) 0.00 55
2023-03-01 $331,250 (14.2%) $390,733 (21.4%) 0.00 61
2023-04-01 $330,000 (7.3%) $410,528 (25.6%) 0.00 66
2023-05-01 $336,175 (20.7%) $383,016 (13.0%) 0.00 74
2023-06-01 $338,675 (22.3%) $414,098 (23.7%) 0.00 67
2023-07-01 $339,900 (26.4%) $428,148 (37.3%) 0.00 76
2023-08-01 $327,475 (16.5%) $406,085 (30.8%) 0.00 82
2023-09-01 $309,950 (8.8%) $395,367 (24.6%) 0.00 72
2023-10-01 $327,500 (21.4%) $414,313 (33.2%) 0.00 75
2023-11-01 $289,900 (2.7%) $389,749 (20.8%) 0.00 85
2023-12-01 $286,000 (-7.7%) $376,426 (5.8%) 0.00 79
2024-01-01 $299,950 (-8.7%) $387,196 (7.5%) 0.00 78
2024-02-01 $305,950 (-8.7%) $432,782 (10.0%) 0.00 76
2024-03-01 $297,400 (-10.2%) $437,121 (11.9%) 0.00 78
2024-04-01 $299,225 (-9.3%) $415,515 (1.2%) 0.00 73
Toccoa's median listing price for 2024-04-01 was $299,225, a difference of $-30,775 (-9.3%) versus the prior year and $1,825 versus the prior month.

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

Toccoa's average listing price for 2024-04-01 was $415,515, a difference of $4,987 (1.2%) versus the prior year and $-21,606 versus the prior month.

For the 2024-04-01 period, Toccoa had 73 MLS listings, a difference of -5 listings (-6%) versus the prior month and 7 listings (11%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Toccoa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,933 sqft
2018-02-01 0 days 1,926 sqft
2018-03-01 0 days 2,098 sqft
2018-04-01 0 days 2,063 sqft
2018-05-01 0 days 2,053 sqft
2018-06-01 0 days 2,014 sqft
2018-07-01 0 days 2,148 sqft
2018-08-01 0 days 2,134 sqft
2018-09-01 0 days 2,049 sqft
2018-10-01 0 days 1,920 sqft
2018-11-01 0 days 1,967 sqft
2018-12-01 0 days 2,039 sqft
2019-01-01 0 days 2,048 sqft
2019-02-01 0 days 1,864 sqft
2019-03-01 0 days 1,809 sqft
2019-04-01 0 days 1,791 sqft
2019-05-01 0 days 1,777 sqft
2019-06-01 0 days 1,733 sqft
2019-07-01 0 days 1,749 sqft
2019-08-01 0 days 1,747 sqft
2019-09-01 0 days 1,765 sqft
2019-10-01 0 days 1,806 sqft
2019-11-01 0 days 2,030 sqft
2019-12-01 0 days 2,122 sqft
2020-01-01 0 days 2,151 sqft
2020-02-01 0 days 2,161 sqft
2020-03-01 0 days 1,978 sqft
2020-04-01 0 days 1,974 sqft
2020-05-01 0 days 1,899 sqft
2020-06-01 0 days 2,161 sqft
2020-07-01 0 days 1,792 sqft
2020-08-01 0 days 1,708 sqft
2020-09-01 0 days 1,707 sqft
2020-10-01 0 days 1,686 sqft
2020-11-01 0 days 1,737 sqft
2020-12-01 0 days 1,616 sqft
2021-01-01 0 days 1,625 sqft
2021-02-01 0 days 1,545 sqft
2021-03-01 0 days 1,693 sqft
2021-04-01 0 days 1,517 sqft
2021-05-01 0 days 1,648 sqft
2021-06-01 0 days 1,682 sqft
2021-07-01 0 days 1,852 sqft
2021-08-01 0 days 1,927 sqft
2021-09-01 0 days 1,756 sqft
2021-10-01 0 days 1,762 sqft
2021-11-01 0 days 1,555 sqft
2021-12-01 0 days 1,678 sqft
2022-01-01 0 days 1,668 sqft
2022-02-01 0 days 1,663 sqft
2022-03-01 0 days 1,696 sqft
2022-04-01 0 days 1,642 sqft
2022-05-01 0 days 1,740 sqft
2022-06-01 0 days 1,751 sqft
2022-07-01 0 days 1,672 sqft
2022-08-01 0 days 1,611 sqft
2022-09-01 0 days 1,683 sqft
2022-10-01 0 days 1,607 sqft
2022-11-01 0 days 1,634 sqft
2022-12-01 0 days 1,745 sqft
2023-01-01 0 days 1,793 sqft
2023-02-01 0 days 1,792 sqft
2023-03-01 0 days 1,762 sqft
2023-04-01 0 days 1,784 sqft
2023-05-01 0 days 1,800 sqft
2023-06-01 0 days 1,900 sqft
2023-07-01 0 days 1,875 sqft
2023-08-01 0 days 1,781 sqft
2023-09-01 0 days 1,848 sqft
2023-10-01 0 days 1,770 sqft
2023-11-01 0 days 1,657 sqft
2023-12-01 0 days 1,576 sqft
2024-01-01 0 days 1,658 sqft
2024-02-01 0 days 1,650 sqft
2024-03-01 0 days 1,646 sqft
2024-04-01 0 days 1,590 sqft
Toccoa's median listing age (time on market) for 2024-04-01 was 0 days.

Toccoa's median square footage for active listings during the 2024-04-01 period was 1,590 sqft. One year prior, the average listing was 1,784 sqft.

Toccoa, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 313 $69,025,000 $220,527
Cash Out Refi 60 $10,350,000 $172,500
Other 39 $3,825,000 $98,077
Home Improvement 28 $2,600,000 $92,857
Refi 22 $3,740,000 $170,000

Toccoa's most frequently cited loan purpose was Home Purchase, with 313 originations. The 2nd most popular reason was Cash Out Refi, with 60 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 180 $38,980,000 $216,556
7-8% 115 $24,135,000 $209,870
Over 8% 73 $9,905,000 $135,685
5-6% 56 $11,170,000 $199,464
4-5% 3 $505,000 $168,333

During 2023, Toccoa's most frequently originated rate bucket was 6-7%, with 180 originations.

Loan Sizing (Toccoa, GA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 182 $27,550,000 $151,374
$200k-400k 150 $39,990,000 $266,600
$100,000 or less 102 $6,230,000 $61,078
$400k-600k 20 $9,410,000 $470,500
$600k-1000k 7 $5,155,000 $736,429
$Over $1MM 1 $1,205,000 $1,205,000

Toccoa's loan sizing saw the bucket of loans from $100k-200k with 182 originations, totaling $27,550,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 219 $47,695,000 $217,785
60-80% 91 $21,815,000 $239,725
40-60% 41 $8,535,000 $208,171
20-40% 40 $4,640,000 $116,000
Under 20% 35 $1,425,000 $40,714
Over 100% 4 $960,000 $240,000

Toccoa's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 219 originations, totaling $47,695,000 in origination value.