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 6.98% for the week of 2024-11-07, compared to the national average of 6.79% for the same period.

    The average rate for the prior week (2024-10-31) was 6.91% and one month ago for the week of 2024-10-03, the average rate was 6.41%.

    Toccoa's average rate one year ago was 7.85%.

    For refis of the same type during the week of 2024-11-07, the average rate was 7.39%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-07 6.79%
    Toccoa 30 Year Fixed Rate 2024-11-07 6.98%
    Toccoa 30 Year Fixed Rate Refi 2024-11-07 7.39%
    Toccoa 15 Year Fixed Rate 2024-11-07 6%
    Toccoa 15 Year Fixed Rate Refi 2024-11-07 6.5%
    Toccoa 30 Year FHA 2024-11-07 6.42%
    Toccoa 30 Year FHA Refi 2024-11-07 6.63%
    Toccoa 30 Year USDA 2024-11-07 6.68%
    Toccoa 30 Year USDA Refi 2024-11-07 6.68%
    Toccoa 30 Year VA 2024-11-07 6.24%
    Toccoa 30 Year VA Refi 2024-11-07 6.54%
    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
    2024-05-01 $349,900 (4.1%) $471,408 (23.1%) 0.00 75
    2024-06-01 $324,900 (-4.1%) $461,868 (11.5%) 0.00 86
    2024-07-01 $308,675 (-9.2%) $421,645 (-1.5%) 0.00 103
    2024-08-01 $294,900 (-10.0%) $416,769 (2.6%) 0.00 108
    2024-09-01 $277,450 (-10.5%) $419,353 (6.1%) 0.00 116
    2024-10-01 $284,950 (-13.0%) $439,332 (6.0%) 0.00 121
    Toccoa's median listing price for 2024-10-01 was $284,950, a difference of $-42,550 (-13.0%) versus the prior year and $7,500 versus the prior month.

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

    Toccoa's average listing price for 2024-10-01 was $439,332, a difference of $25,019 (6.0%) versus the prior year and $19,979 versus the prior month.

    For the 2024-10-01 period, Toccoa had 121 MLS listings, a difference of 5 listings (4%) versus the prior month and 46 listings (61%) 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
    2024-05-01 0 days 1,718 sqft
    2024-06-01 0 days 1,734 sqft
    2024-07-01 0 days 1,762 sqft
    2024-08-01 0 days 1,734 sqft
    2024-09-01 0 days 1,553 sqft
    2024-10-01 0 days 1,600 sqft
    Toccoa's median listing age (time on market) for 2024-10-01 was 0 days.

    Toccoa's median square footage for active listings during the 2024-10-01 period was 1,600 sqft. One year prior, the average listing was 1,770 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.