Toccoa 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 Toccoa averaged 6.24% for the week of 2023-05-25, compared to the national average of 6.57% for the same period.

    The average rate for the prior week (2023-05-18) was 5.96% and one month ago for the week of 2023-04-20, the average rate was 6.26%.

    Toccoa's average rate one year ago was 5.02%.

    For refis of the same type during the week of 2023-05-25, the average rate was 6.57%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-05-25 6.57%
    Toccoa 30 Year Fixed Rate 2023-05-25 6.24%
    Toccoa 30 Year Fixed Rate Refi 2023-05-25 6.57%
    Toccoa 15 Year Fixed Rate 2023-05-25 5.77%
    Toccoa 15 Year Fixed Rate Refi 2023-05-25 6.17%
    Toccoa 30 Year FHA 2023-05-25 6.43%
    Toccoa 30 Year FHA Refi 2023-05-25 6.61%
    Toccoa 30 Year USDA 2023-05-25 6.53%
    Toccoa 30 Year USDA Refi 2023-05-25 6.43%
    Toccoa 30 Year VA 2023-05-25 6.31%
    Toccoa 30 Year VA Refi 2023-05-25 6.31%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    HOMESTAR FINANCIAL CORPORATION 29 5.44% $5,468
    QUICKEN LOANS, LLC 23 4.70% $7,214
    Ameris Bank 10 4.91% $6,571
    HOMEOWNERS FINANCIAL GROUP USA, LLC 9 6.06% $5,818
    THE MORTGAGE FIRM, INC. 7 5.18% $3,992
    UNITED WHOLESALE MORTGAGE, LLC 6 5.77% $4,888
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 5.07% $6,732
    LOANDEPOT.COM, LLC 5 5.30% $5,067
    First-Citizens Bank & Trust Company 4 4.25% $4,316
    STOCKTON MORTGAGE CORPORATION 4 5.40% $5,703
    South State Bank 4 4.56% $6,819
    21ST MORTGAGE CORPORATION 4 6.41% $6,148
    Magnolia Bank 4 3.34% $5,012
    First Option Mortgage, LLC 4 6.75% $5,036
    PEACH STATE FEDERAL CREDIT UNION 3 4.92% $5,578
    Fifth Third Bank 3 4.33% $4,737
    Mr. Cooper ( Nationstar Mortgage ) 3 5.91% $7,471
    NAVY FEDERAL CREDIT UNION 3 4.42% $5,011
    Renasant Bank 3 4.13% $3,313
    VANDERBILT MORTGAGE AND FINANCE, INC. 3 4.42% $3,835
    GUARANTEED RATE, INC. 2 4.44% $5,084
    Regions Bank 2 4.69% $2,649
    ON Q FINANCIAL, INC. 2 5.75% $5,547
    RUOFF MORTGAGE COMPANY, INC. 2 4.94% $3,328
    CALIBER HOME LOANS, INC. 2 5.29% $6,435
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 2 5.50% $6,648
    PENNYMAC LOAN SERVICES, LLC 2 5.25% $6,317
    NEWREZ LLC 2 4.87% $6,373
    BROKER SOLUTIONS, INC. 2 5.25% $4,099
    AMERISAVE MORTGAGE CORPORATION 2 5.00% $4,294
    Prosperity Home Mortgage, LLC 2 4.69% $5,259
    Mortgage Research Center, LLC 1 3.63% $470
    MOVEMENT MORTGAGE, LLC 1 3.69% $0
    VAN DYK MORTGAGE CORPORATION 1 3.25% $4,056
    Wells Fargo Bank 1 3.25% $6,524
    NexBank 1 3.75% $4,241
    Northpointe Bank 1 7.00% $4,305
    Bank of England 1 6.63% $11,017
    PNC Bank 1 3.13% $5,037
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 4.38% $4,183
    Bank of America 1 4.00% $3,397
    Wyndham Capital Mortgage, Inc. 1 3.13% $11,058
    SIRVA MORTGAGE, INC. 1 5.50% $4,745
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 3.50% $3,910
    ATLANTA POSTAL 1 6.88% $4,629
    Synovus Bank 1 5.38% $4,817
    The Park National Bank 1 5.63% $2,748
    Third Federal Savings and Loan Association of Cleveland 1 1.99% $3,992
    Truist 1 3.49% $5,969
    United Community Bank 1 5.25% $3,482
    AMERICAN FINANCING CORPORATION 1 5.63% $4,463
    U.S. Bank 1 3.63% $2,695
    US MORTGAGE CORPORATION 1 5.50% $18,129
    ZILLOW HOME LOANS, LLC 1 5.13% $3,774
    EVERETT FINANCIAL, INC. 1 3.63% $2,915
    CROSSCOUNTRY MORTGAGE, LLC 1 6.38% $2,888
    FOUNDERS FEDERAL CREDIT UNION 1 3.13% $3,905
    GENEVA FINANCIAL, LLC 1 6.63% $7,510
    FREEDOM MORTGAGE CORPORATION 1 6.38% $8,406
    Goldwater Bank, N.A. 1 6.50% $9,174
    GUARANTY MORTGAGE SERVICES, L.L.C. 1 5.63% $7,699
    Coastal Carolina National Bank 1 5.25% $6,154
    HOMESIDE FINANCIAL, LLC 1 3.63% $2,098
    Capital City Home Loans, LLC 1 4.13% $11,176
    JPMorgan Chase Bank 1 3.50% $533
    KELLER MORTGAGE, LLC 1 4.88% $3,932
    KeyBank 1 2.63% $3,520
    Kwik Mortgage Corporation 1 3.38% $2,985
    MORTGAGE INVESTORS GROUP, INC. 1 6.50% $3,707

    Toccoa Average Closing Costs & Other Stats

    Toccoa, GA's 69 lenders originated 555 loans during 2022. The total origination value was $114,445,000, with an average loan value of $206,207.

    Toccoa's average closing costs are $4,622.

    The top Toccoa lender as defined by loan originations is HOMESTAR FINANCIAL CORPORATION, with 29 loans originated. Their average total fees are $5,468, which is $1,746 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Toccoa lenders (with over 10 loans originated) are HOMESTAR FINANCIAL CORPORATION ($5,468), Ameris Bank ($6,571), QUICKEN LOANS, LLC ($7,214), .

    The lowest rate Toccoa lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (4.70%), Ameris Bank (4.91%), HOMESTAR FINANCIAL CORPORATION (5.44%), .

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    HOMESTAR FINANCIAL CORPORATION $22,125,000 $13,685,000 -38.1% 12.0%
    QUICKEN LOANS, LLC $19,450,000 $8,790,000 -54.8% 7.7%
    Ameris Bank $10,370,000 $5,755,000 -44.5% 5.0%
    Morgan Stanley Private Bank $5,255,000 n/a 4.6%
    First-Citizens Bank & Trust Company $4,895,000 $4,480,000 -8.5% 3.9%
    HOMEOWNERS FINANCIAL GROUP USA, LLC $2,490,000 $2,715,000 9.0% 2.4%
    LOANDEPOT.COM, LLC $1,835,000 $2,285,000 24.5% 2.0%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $3,500,000 $2,280,000 -34.9% 2.0%
    United Community Bank $1,050,000 $2,245,000 113.8% 2.0%
    South State Bank $3,915,000 $2,160,000 -44.8% 1.9%
    THE MORTGAGE FIRM, INC. $2,225,000 $2,095,000 -5.8% 1.8%
    Pinnacle Bank $3,150,000 $2,070,000 -34.3% 1.8%
    EVERETT FINANCIAL, INC. $535,000 $2,065,000 286.0% 1.8%
    21ST MORTGAGE CORPORATION $1,765,000 $2,055,000 16.4% 1.8%
    Mortgage Research Center, LLC $1,655,000 $1,835,000 10.9% 1.6%
    Regions Bank $2,760,000 $1,830,000 -33.7% 1.6%
    UNITED WHOLESALE MORTGAGE, LLC $4,085,000 $1,770,000 -56.7% 1.5%
    FREEDOM MORTGAGE CORPORATION $3,490,000 $1,530,000 -56.2% 1.3%
    AMERISAVE MORTGAGE CORPORATION $1,990,000 $1,330,000 -33.2% 1.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $350,000 $1,270,000 262.9% 1.1%
    Magnolia Bank $1,640,000 $1,210,000 -26.2% 1.1%
    Renasant Bank $1,705,000 $1,200,000 -29.6% 1.0%
    First Option Mortgage, LLC $370,000 $1,190,000 221.6% 1.0%
    NAVY FEDERAL CREDIT UNION $510,000 $1,160,000 127.5% 1.0%
    CALIBER HOME LOANS, INC. $1,550,000 $1,145,000 -26.1% 1.0%
    PENNYMAC LOAN SERVICES, LLC $2,730,000 $1,110,000 -59.3% 1.0%
    Mr. Cooper ( Nationstar Mortgage ) $2,040,000 $925,000 -54.7% 0.8%
    Synovus Bank $1,865,000 $915,000 -50.9% 0.8%
    PEACH STATE FEDERAL CREDIT UNION $1,340,000 $895,000 -33.2% 0.8%
    Fifth Third Bank $855,000 n/a 0.7%
    STOCKTON MORTGAGE CORPORATION $1,015,000 $805,000 -20.7% 0.7%
    MOVEMENT MORTGAGE, LLC $380,000 $775,000 103.9% 0.7%
    VAN DYK MORTGAGE CORPORATION $165,000 $770,000 366.7% 0.7%
    BROKER SOLUTIONS, INC. $605,000 $745,000 23.1% 0.7%
    ON Q FINANCIAL, INC. $1,875,000 $745,000 -60.3% 0.7%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $720,000 n/a 0.6%
    GUARANTEED RATE, INC. $1,405,000 $680,000 -51.6% 0.6%
    Capital City Home Loans, LLC $185,000 $670,000 262.2% 0.6%
    NEWREZ LLC $515,000 $670,000 30.1% 0.6%
    Prosperity Home Mortgage, LLC $535,000 $655,000 22.4% 0.6%
    CRESCENT MORTGAGE COMPANY $645,000 n/a 0.6%
    Truist $765,000 $645,000 -15.7% 0.6%
    US MORTGAGE CORPORATION $265,000 $570,000 115.1% 0.5%
    CERTAINTY HOME LOANS, LLC $115,000 $530,000 360.9% 0.5%
    Nations Lending Corporation $395,000 $520,000 31.6% 0.5%
    Bank of England $515,000 n/a 0.4%
    NEW DAY FINANCIAL, LLC $1,140,000 $510,000 -55.3% 0.4%
    U.S. Bank $420,000 $505,000 20.2% 0.4%
    LAKEVIEW LOAN SERVICING, LLC $865,000 $490,000 -43.4% 0.4%
    KeyBank $485,000 n/a 0.4%
    1ST SIGNATURE LENDING, LLC $475,000 n/a 0.4%
    ACOPIA, LLC $470,000 n/a 0.4%
    MORTGAGE INVESTORS GROUP, INC. $470,000 n/a 0.4%
    MEMBER FIRST MORTGAGE, LLC $460,000 n/a 0.4%
    Goldwater Bank, N.A. $455,000 n/a 0.4%
    HOME POINT FINANCIAL CORPORATION $935,000 $455,000 -51.3% 0.4%
    GEORGIA'S OWN $445,000 n/a 0.4%
    JPMorgan Chase Bank $1,375,000 $430,000 -68.7% 0.4%
    KELLER MORTGAGE, LLC $1,370,000 $430,000 -68.6% 0.4%
    Bank of America $1,075,000 $425,000 -60.5% 0.4%
    NexBank $425,000 n/a 0.4%
    PNC Bank $425,000 n/a 0.4%
    GENEVA FINANCIAL, LLC $185,000 $420,000 127.0% 0.4%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $740,000 $420,000 -43.2% 0.4%
    SOUTHEAST MORTGAGE OF GEORGIA, INC. $820,000 $420,000 -48.8% 0.4%
    RUOFF MORTGAGE COMPANY, INC. $390,000 n/a 0.3%
    Wyndham Capital Mortgage, Inc. $385,000 n/a 0.3%
    Wells Fargo Bank $1,370,000 $380,000 -72.3% 0.3%
    Community First Bank, Inc. $525,000 $375,000 -28.6% 0.3%
    Colten Mortgage, LLC $365,000 n/a 0.3%
    CityWorth Mortgage LLC $355,000 n/a 0.3%
    Paramount Residential Mortgage Group, Inc. $915,000 $340,000 -62.8% 0.3%
    CREDIT UNION OF GEORGIA $325,000 n/a 0.3%
    GUARANTY MORTGAGE SERVICES, L.L.C. $315,000 n/a 0.3%
    The Federal Savings Bank $315,000 n/a 0.3%
    RADIUS FINANCIAL GROUP INC. $155,000 $310,000 100.0% 0.3%
    AMERICAN ADVISORS GROUP $295,000 n/a 0.3%
    Kwik Mortgage Corporation $295,000 n/a 0.3%
    MILEND, INC. $105,000 $295,000 181.0% 0.3%
    BETTER MORTGAGE CORPORATION $1,585,000 $285,000 -82.0% 0.2%
    USAA Federal Savings Bank $305,000 $275,000 -9.8% 0.2%
    Coastal Carolina National Bank $265,000 n/a 0.2%
    Preston Home Loans Inc $265,000 n/a 0.2%
    CROSSCOUNTRY MORTGAGE, LLC $1,175,000 $255,000 -78.3% 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $255,000 n/a 0.2%
    Associated Credit Union $245,000 n/a 0.2%
    HOMESPIRE MORTGAGE CORPORATION $295,000 $245,000 -16.9% 0.2%
    SIRVA MORTGAGE, INC. $245,000 n/a 0.2%
    Flagstar Bank, FSB $240,000 n/a 0.2%
    Third Federal Savings and Loan Association of Cleveland $55,000 $240,000 336.4% 0.2%
    AMERICAN FINANCING CORPORATION $230,000 n/a 0.2%
    FINANCE OF AMERICA REVERSE LLC $225,000 n/a 0.2%
    The Park National Bank $415,000 $225,000 -45.8% 0.2%
    ZILLOW HOME LOANS, LLC $225,000 n/a 0.2%
    AMWEST FUNDING CORP. $215,000 n/a 0.2%
    DELTA COMMUNITY CREDIT UNION $605,000 $205,000 -66.1% 0.2%
    First American Bank and Trust Company $380,000 $185,000 -51.3% 0.2%
    Barrington Bank & Trust Company, N.A. $570,000 $175,000 -69.3% 0.2%
    First Federal Bank $780,000 $175,000 -77.6% 0.2%
    Honor Credit Union $175,000 n/a 0.2%
    LIBERTY HOME MORTGAGE CORPORATION $175,000 n/a 0.2%
    PREMIER MORTGAGE RESOURCES, L.L.C. $175,000 n/a 0.2%
    Home State Bank $165,000 n/a 0.1%
    ATLANTA POSTAL $155,000 n/a 0.1%
    First Guaranty Mortgage Corporation $105,000 $155,000 47.6% 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $145,000 n/a 0.1%
    LENDINGHOME FUNDING CORPORATION $350,000 $145,000 -58.6% 0.1%
    NFM, INC. $145,000 n/a 0.1%
    Oconee State Bank $145,000 n/a 0.1%
    VILLAGE CAPITAL MORTGAGE $85,000 $145,000 70.6% 0.1%
    Figure Lending LLC $140,000 n/a 0.1%
    Carrington Mortgage Services, LLC $890,000 $135,000 -84.8% 0.1%
    Citibank $145,000 $135,000 -6.9% 0.1%
    Citizens Bank $115,000 $135,000 17.4% 0.1%
    HOMESIDE FINANCIAL, LLC $335,000 $135,000 -59.7% 0.1%
    ROYAL UNITED MORTGAGE LLC $65,000 $135,000 107.7% 0.1%
    TOP FLITE FINANCIAL, INC. $125,000 n/a 0.1%
    Northpointe Bank $975,000 $115,000 -88.2% 0.1%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $105,000 n/a 0.1%
    CREDIT UNION FINANCIAL SERVICES, LLC $255,000 $105,000 -58.8% 0.1%
    Mortgage Assurance Inc. $145,000 $105,000 -27.6% 0.1%
    Southwest Airlines Federal Credit Union $105,000 n/a 0.1%
    Truliant Federal Credit Union $105,000 n/a 0.1%
    FOUNDERS FEDERAL CREDIT UNION $95,000 n/a 0.1%
    First National Bank of Brookfield $75,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $55,000 n/a 0.0%
    VYSTAR $55,000 n/a 0.0%

    Toccoa's top lender by overall market share is HOMESTAR FINANCIAL CORPORATION, with 12.0% market share. In second place, with 7.7%, is QUICKEN LOANS, LLC, having originated $8,790,000 in loans. In third place, with 5.0%, is Ameris Bank, having originated $5,755,000 in loans. In fourth place, with 4.6%, is Morgan Stanley Private Bank, having originated $5,255,000 in loans. In fifth place, with 3.9%, is First-Citizens Bank & Trust Company, having originated $4,480,000 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 $193,750 (-15.6%) $297,931 (-1.4%) 0.00 123
    2019-04-01 $208,675 (-14.3%) $270,472 (-10.5%) 0.00 122
    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 $174,900 (-30.0%) $253,387 (-12.7%) 0.00 123
    2019-09-01 $199,000 (-15.3%) $272,340 (-8.8%) 0.00 113
    2019-10-01 $230,500 (2.4%) $279,589 (-2.2%) 0.00 115
    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 (27.5%) $282,910 (-0.7%) 0.00 78
    2020-04-01 $244,700 (17.3%) $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 (47.2%) $308,117 (16.5%) 0.00 52
    2020-09-01 $281,150 (41.3%) $320,551 (20.1%) 0.00 55
    2020-10-01 $279,900 (21.4%) $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 (0.0%) 0.00 68
    Toccoa's median listing price for 2023-04-01 was $330,000, a difference of $22,500 (7.3%) versus the prior year and $-1,250 versus the prior month.

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

    Toccoa's average listing price for 2023-04-01 was $410,528, a difference of $83,789 (0.0%) versus the prior year and $19,795 versus the prior month.

    For the 2023-04-01 period, Toccoa had 68 MLS listings, a difference of 7 listings (11%) versus the prior month and 30 listings (79%) 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 1,923 sqft
    2018-02-01 0 days 1,917 sqft
    2018-03-01 0 days 2,060 sqft
    2018-04-01 0 days 2,026 sqft
    2018-05-01 0 days 2,005 sqft
    2018-06-01 0 days 1,950 sqft
    2018-07-01 0 days 2,113 sqft
    2018-08-01 0 days 2,122 sqft
    2018-09-01 0 days 2,022 sqft
    2018-10-01 0 days 1,868 sqft
    2018-11-01 0 days 1,909 sqft
    2018-12-01 0 days 1,950 sqft
    2019-01-01 0 days 1,979 sqft
    2019-02-01 0 days 1,843 sqft
    2019-03-01 0 days 1,856 sqft
    2019-04-01 0 days 1,785 sqft
    2019-05-01 0 days 1,758 sqft
    2019-06-01 0 days 1,726 sqft
    2019-07-01 0 days 1,745 sqft
    2019-08-01 0 days 1,760 sqft
    2019-09-01 0 days 1,813 sqft
    2019-10-01 0 days 1,839 sqft
    2019-11-01 0 days 1,989 sqft
    2019-12-01 0 days 2,089 sqft
    2020-01-01 0 days 2,124 sqft
    2020-02-01 0 days 2,142 sqft
    2020-03-01 0 days 1,978 sqft
    2020-04-01 0 days 1,985 sqft
    2020-05-01 0 days 1,888 sqft
    2020-06-01 0 days 2,160 sqft
    2020-07-01 0 days 1,779 sqft
    2020-08-01 0 days 1,688 sqft
    2020-09-01 0 days 1,680 sqft
    2020-10-01 0 days 1,650 sqft
    2020-11-01 0 days 1,706 sqft
    2020-12-01 0 days 1,604 sqft
    2021-01-01 0 days 1,623 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 1,672 sqft
    2021-06-01 0 days 1,734 sqft
    2021-07-01 0 days 1,852 sqft
    2021-08-01 0 days 1,960 sqft
    2021-09-01 0 days 1,777 sqft
    2021-10-01 0 days 1,802 sqft
    2021-11-01 0 days 1,568 sqft
    2021-12-01 0 days 1,683 sqft
    2022-01-01 0 days 1,660 sqft
    2022-02-01 0 days 1,663 sqft
    2022-03-01 0 days 1,678 sqft
    2022-04-01 0 days 1,642 sqft
    2022-05-01 0 days 1,760 sqft
    2022-06-01 0 days 1,751 sqft
    2022-07-01 0 days 1,697 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 1,800 sqft
    2023-02-01 0 days 1,791 sqft
    2023-03-01 0 days 1,764 sqft
    2023-04-01 0 days 1,788 sqft
    Toccoa's median listing age (time on market) for 2023-04-01 was 0 days.

    Toccoa's median square footage for active listings during the 2023-04-01 period was 1,788 sqft. One year prior, the average listing was 1,642 sqft.

    Toccoa, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 339 $71,485,000 $210,870
    Cash Out Refi 98 $24,170,000 $246,633
    Refi 61 $12,695,000 $208,115
    Home Improvement 32 $2,700,000 $84,375
    Other 25 $3,395,000 $135,800

    Toccoa's most frequently cited loan purpose was Home Purchase, with 339 originations. The 2nd most popular reason was Cash Out Refi, with 98 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 141 $33,535,000 $237,837
    3-4% 114 $23,370,000 $205,000
    4-5% 109 $21,385,000 $196,193
    6-7% 74 $16,350,000 $220,946
    2.5-3% 31 $6,555,000 $211,452
    7-8% 27 $4,515,000 $167,222
    <2.5% 18 $1,750,000 $97,222
    Over 8% 7 $835,000 $119,286

    During 2022, Toccoa's most frequently originated rate bucket was 5-6%, with 141 originations.

    Loan Sizing (Toccoa, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 244 $36,450,000 $149,385
    $200k-400k 171 $45,535,000 $266,287
    $100,000 or less 100 $5,950,000 $59,500
    $400k-600k 29 $13,535,000 $466,724
    $600k-1000k 8 $5,710,000 $713,750
    $Over $1MM 3 $7,265,000 $2,421,667

    Toccoa's loan sizing saw the bucket of loans from $100k-200k with 244 originations, totaling $36,450,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 238 $53,390,000 $224,328
    60-80% 133 $33,435,000 $251,391
    40-60% 70 $12,740,000 $182,000
    20-40% 35 $4,095,000 $117,000
    Under 20% 35 $1,955,000 $55,857
    Over 100% 10 $2,680,000 $268,000

    Toccoa's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 238 originations, totaling $53,390,000 in origination value.