ROCKY MOUNT Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Rocky Mount averaged
5.98%
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
5.7% and
one month ago for the week of 2023-04-20, the
average rate was 5.9%.
Rocky Mount's average rate one year ago was 4.56%.
For refis of the same type during the week of 2023-05-25, the average rate
was 5.99%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-05-25 | 6.57% |
| Rocky Mount 30 Year Fixed Rate | 2023-05-25 | 5.98% |
| Rocky Mount 30 Year Fixed Rate Refi | 2023-05-25 | 5.99% |
| Rocky Mount 15 Year Fixed Rate | 2023-05-25 | 5.68% |
| Rocky Mount 15 Year Fixed Rate Refi | 2023-05-25 | 5.27% |
| Rocky Mount 30 Year FHA | 2023-05-25 | 6.15% |
| Rocky Mount 30 Year FHA Refi | 2023-05-25 | 6.61% |
| Rocky Mount 30 Year USDA | 2023-05-25 | 6.53% |
| Rocky Mount 30 Year USDA Refi | 2023-05-25 | 6.63% |
| Rocky Mount 30 Year VA | 2023-05-25 | 5.99% |
| Rocky Mount 30 Year VA Refi | 2023-05-25 | 6.41% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ROCKY MOUNT, NC.
ROCKY MOUNT 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 ROCKY MOUNT, NC 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.).
ROCKY MOUNT Average Closing Costs & Other Stats
ROCKY MOUNT, NC's 138 lenders originated 3,346
loans during 2022. The total origination value was $623,560,000, with an average loan value of
$186,360.
ROCKY MOUNT's average closing costs are $4,667.
The top ROCKY MOUNT lender as defined by loan originations is STATE EMPLOYEES', with
318 loans originated. Their average total fees are
$3,792, which is $1,562
lower than the next largest lender,
ATLANTIC BAY MORTGAGE GROUP, L.L.C..
The lowest fee ROCKY MOUNT lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($2,948), Wells Fargo Bank ($3,179), NAVY FEDERAL CREDIT UNION ($3,345), COASTAL Federal Credit Union ($3,401) and First-Citizens Bank & Trust Company ($3,734).
The lowest rate ROCKY MOUNT lenders (with over 10 loans originated) are
STATE EMPLOYEES' (3.94%), LOCAL GOVERNMENT FEDERAL CREDIT UNION (4.01%), GUARANTEED RATE, INC. (4.13%), DHI MORTGAGE COMPANY, LTD. (4.18%) and First-Citizens Bank & Trust Company (4.43%).
ROCKY MOUNT, NC 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 |
|---|---|---|---|---|
| STATE EMPLOYEES' | $88,590,000 | $94,045,000 | 6.2% | 15.1% |
| Southern Bank and Trust Company | $60,355,000 | $49,660,000 | -17.7% | 8.0% |
| QUICKEN LOANS, LLC | $69,600,000 | $38,945,000 | -44.0% | 6.2% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $18,675,000 | $30,755,000 | 64.7% | 4.9% |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | $18,425,000 | $19,015,000 | 3.2% | 3.0% |
| Mortgage Research Center, LLC | $13,220,000 | $17,465,000 | 32.1% | 2.8% |
| Truist | $34,705,000 | $15,545,000 | -55.2% | 2.5% |
| Gateway First Bank | $13,565,000 | n/a | 2.2% | |
| DHI MORTGAGE COMPANY, LTD. | $13,525,000 | $12,200,000 | -9.8% | 2.0% |
| PNC Bank | $10,585,000 | $11,660,000 | 10.2% | 1.9% |
| GUARANTEED RATE, INC. | $11,475,000 | $10,090,000 | -12.1% | 1.6% |
| LOANDEPOT.COM, LLC | $10,940,000 | $9,815,000 | -10.3% | 1.6% |
| NAVY FEDERAL CREDIT UNION | $9,735,000 | $9,530,000 | -2.1% | 1.5% |
| First-Citizens Bank & Trust Company | $7,545,000 | $9,230,000 | 22.3% | 1.5% |
| MOVEMENT MORTGAGE, LLC | $13,915,000 | $9,090,000 | -34.7% | 1.5% |
| INSPIRE HOME LOANS INC. | $2,445,000 | $8,725,000 | 256.9% | 1.4% |
| NFM, INC. | $1,360,000 | $8,630,000 | 534.6% | 1.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $9,250,000 | $8,135,000 | -12.1% | 1.3% |
| Wells Fargo Bank | $15,190,000 | $7,255,000 | -52.2% | 1.2% |
| BROKER SOLUTIONS, INC. | $6,040,000 | $6,340,000 | 5.0% | 1.0% |
| CORNERSTONE HOME LENDING, INC. | $5,810,000 | $6,290,000 | 8.3% | 1.0% |
| COASTAL Federal Credit Union | $8,190,000 | $6,040,000 | -26.3% | 1.0% |
| United Bank | $1,960,000 | $5,800,000 | 195.9% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $18,850,000 | $5,700,000 | -69.8% | 0.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $5,495,000 | $5,555,000 | 1.1% | 0.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $5,615,000 | $5,285,000 | -5.9% | 0.8% |
| INTERCOASTAL MORTGAGE COMPANY | $4,590,000 | $5,175,000 | 12.7% | 0.8% |
| AgCarolina Farm Credit, FLCA | $3,390,000 | $4,465,000 | 31.7% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $8,370,000 | $4,385,000 | -47.6% | 0.7% |
| LENDINGONE, LLC | $1,330,000 | $4,260,000 | 220.3% | 0.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,175,000 | $3,985,000 | 83.2% | 0.6% |
| ANGEL OAK HOME LOANS LLC | $7,245,000 | $3,725,000 | -48.6% | 0.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $23,900,000 | $3,650,000 | -84.7% | 0.6% |
| First Carolina Bank | $2,830,000 | $3,640,000 | 28.6% | 0.6% |
| AMERISAVE MORTGAGE CORPORATION | $5,490,000 | $3,405,000 | -38.0% | 0.5% |
| CIVIC FINANCIAL SERVICES, LLC | $4,585,000 | $3,345,000 | -27.0% | 0.5% |
| Alcova Mortgage LLC | $4,975,000 | $3,300,000 | -33.7% | 0.5% |
| FirstBank | $285,000 | $3,240,000 | 1,036.8% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $8,355,000 | $3,125,000 | -62.6% | 0.5% |
| LIMA ONE CAPITAL, LLC | $640,000 | $3,030,000 | 373.4% | 0.5% |
| LENDINGHOME FUNDING CORPORATION | $725,000 | $2,905,000 | 300.7% | 0.5% |
| EQUITY RESOURCES, INC. | $5,395,000 | $2,645,000 | -51.0% | 0.4% |
| Towne Bank | $2,660,000 | $2,610,000 | -1.9% | 0.4% |
| GoPrime Mortgage, Inc. | $3,435,000 | $2,545,000 | -25.9% | 0.4% |
| Flagstar Bank, FSB | $2,045,000 | $2,500,000 | 22.2% | 0.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $3,310,000 | $2,415,000 | -27.0% | 0.4% |
| First National Bank of Pennsylvania | $2,350,000 | $2,375,000 | 1.1% | 0.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,205,000 | $2,335,000 | 93.8% | 0.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,950,000 | $2,315,000 | 18.7% | 0.4% |
| NEW DAY FINANCIAL, LLC | $4,690,000 | $2,200,000 | -53.1% | 0.4% |
| American Security Mortgage Corp. | $985,000 | $2,170,000 | 120.3% | 0.3% |
| JPMorgan Chase Bank | $3,315,000 | $2,155,000 | -35.0% | 0.3% |
| CALIBER HOME LOANS, INC. | $6,045,000 | $2,145,000 | -64.5% | 0.3% |
| U.S. Bank | $1,310,000 | $2,095,000 | 59.9% | 0.3% |
| ACADEMY MORTGAGE CORPORATION | $890,000 | $2,090,000 | 134.8% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,140,000 | $2,080,000 | 82.5% | 0.3% |
| Towne Mortgage of the Carolinas, LLC | $3,045,000 | $2,000,000 | -34.3% | 0.3% |
| Prosperity Home Mortgage, LLC | $2,690,000 | $1,925,000 | -28.4% | 0.3% |
| 21ST MORTGAGE CORPORATION | $1,075,000 | $1,885,000 | 75.3% | 0.3% |
| HOMESPIRE MORTGAGE CORPORATION | $1,180,000 | $1,775,000 | 50.4% | 0.3% |
| Carrington Mortgage Services, LLC | $2,895,000 | $1,760,000 | -39.2% | 0.3% |
| USAA Federal Savings Bank | $2,555,000 | $1,710,000 | -33.1% | 0.3% |
| HOMESIDE FINANCIAL, LLC | $4,545,000 | $1,670,000 | -63.3% | 0.3% |
| SOUTHWEST STAGE FUNDING, LLC | $735,000 | $1,615,000 | 119.7% | 0.3% |
| Blue Ridge Bank | $765,000 | $1,610,000 | 110.5% | 0.3% |
| Victorian Finance, LLC | $920,000 | $1,575,000 | 71.2% | 0.3% |
| CMG MORTGAGE, INC. | $975,000 | $1,565,000 | 60.5% | 0.3% |
| The Federal Savings Bank | $970,000 | $1,505,000 | 55.2% | 0.2% |
| Hometown Lenders, Inc. | $770,000 | $1,495,000 | 94.2% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $1,055,000 | $1,455,000 | 37.9% | 0.2% |
| CAPITAL CENTER, L.L.C. | $3,185,000 | $1,415,000 | -55.6% | 0.2% |
| Touchstone Bank | $3,950,000 | $1,410,000 | -64.3% | 0.2% |
| FIRST BANCORP, INC. | $1,110,000 | $1,405,000 | 26.6% | 0.2% |
| Nations Lending Corporation | $1,010,000 | $1,400,000 | 38.6% | 0.2% |
| THRIVE MORTGAGE, LLC | $1,390,000 | n/a | 0.2% | |
| Equity Prime Mortgage LLC | $115,000 | $1,385,000 | 1,104.3% | 0.2% |
| LATINO COMMUNITY CREDIT UNION | $1,290,000 | $1,330,000 | 3.1% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $705,000 | $1,310,000 | 85.8% | 0.2% |
| Corporate Investors Mortgage Group, Inc. | $845,000 | $1,305,000 | 54.4% | 0.2% |
| Citizens Bank | $280,000 | $1,285,000 | 358.9% | 0.2% |
| North State Bank | $2,090,000 | $1,270,000 | -39.2% | 0.2% |
| Mid-Continent Funding, Inc. | $900,000 | $1,240,000 | 37.8% | 0.2% |
| HOME POINT FINANCIAL CORPORATION | $1,890,000 | $1,225,000 | -35.2% | 0.2% |
| RF Renovo Management Company, LLC | $1,215,000 | n/a | 0.2% | |
| Regions Bank | $900,000 | $1,205,000 | 33.9% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $3,475,000 | $1,185,000 | -65.9% | 0.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,020,000 | $1,070,000 | 4.9% | 0.2% |
| SIRVA MORTGAGE, INC. | $475,000 | $1,050,000 | 121.1% | 0.2% |
| NEWREZ LLC | $2,575,000 | $1,040,000 | -59.6% | 0.2% |
| EMBRACE HOME LOANS, INC. | $85,000 | $1,035,000 | 1,117.6% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,175,000 | $1,015,000 | -13.6% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,060,000 | $995,000 | -6.1% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $4,740,000 | $995,000 | -79.0% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $735,000 | $930,000 | 26.5% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,565,000 | $925,000 | -40.9% | 0.1% |
| AMERICAN FINANCING CORPORATION | $2,215,000 | $910,000 | -58.9% | 0.1% |
| GUILD MORTGAGE COMPANY | $255,000 | $860,000 | 237.3% | 0.1% |
| LOANPAL, LLC | $860,000 | n/a | 0.1% | |
| City National Bank | $855,000 | n/a | 0.1% | |
| KELLER MORTGAGE, LLC | $915,000 | $855,000 | -6.6% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $315,000 | $820,000 | 160.3% | 0.1% |
| Bank of America | $2,385,000 | $820,000 | -65.6% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $1,405,000 | $810,000 | -42.3% | 0.1% |
| SELF-HELP Credit Union | $415,000 | $805,000 | 94.0% | 0.1% |
| UNION HOME MORTGAGE CORP. | $370,000 | $800,000 | 116.2% | 0.1% |
| Wake Forest Federal Savings and Loan Association | $195,000 | $795,000 | 307.7% | 0.1% |
| RESOURCE FINANCIAL SERVICES, INC. | $125,000 | $770,000 | 516.0% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $765,000 | n/a | 0.1% | |
| Fifth Third Bank | $1,510,000 | $750,000 | -50.3% | 0.1% |
| CLEARPATH LENDING | $1,735,000 | $745,000 | -57.1% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,465,000 | $745,000 | -49.1% | 0.1% |
| FIRST HOME MORTGAGE CORPORATION | $740,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $735,000 | n/a | 0.1% | |
| Encompass Lending Group, LP | $720,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $4,375,000 | $705,000 | -83.9% | 0.1% |
| TD Bank | $410,000 | $700,000 | 70.7% | 0.1% |
| RiverHills Bank | $675,000 | n/a | 0.1% | |
| First Heritage Mortgage, LLC | $940,000 | $655,000 | -30.3% | 0.1% |
| T2 FINANCIAL LLC | $765,000 | $645,000 | -15.7% | 0.1% |
| Union Bank | $1,205,000 | $640,000 | -46.9% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $630,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $650,000 | $610,000 | -6.2% | 0.1% |
| American National Bank and Trust Company | $630,000 | $605,000 | -4.0% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $1,835,000 | $605,000 | -67.0% | 0.1% |
| SOUTHERN TRUST MORTGAGE, LLC | $1,440,000 | $600,000 | -58.3% | 0.1% |
| Alpha Mortgage Corporation | $155,000 | $585,000 | 277.4% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $560,000 | n/a | 0.1% | |
| JET HOMELOANS, LLC | $560,000 | n/a | 0.1% | |
| Northpointe Bank | $105,000 | $555,000 | 428.6% | 0.1% |
| CRESCENT MORTGAGE COMPANY | $1,475,000 | $540,000 | -63.4% | 0.1% |
| United Community Bank | $1,130,000 | $535,000 | -52.7% | 0.1% |
| Atlantic Coast Mortgage, LLC | $605,000 | $530,000 | -12.4% | 0.1% |
| BAYSHORE MORTGAGE FUNDING, LLC | $1,250,000 | $525,000 | -58.0% | 0.1% |
| Prudential Huntoon Paige Associates, LLC | $515,000 | n/a | 0.1% | |
| Ally Bank | $495,000 | n/a | 0.1% | |
| RAPID MORTGAGE COMPANY | $290,000 | $490,000 | 69.0% | 0.1% |
| REVERSE MORTGAGE FUNDING LLC | $115,000 | $490,000 | 326.1% | 0.1% |
| Magnolia Bank | $475,000 | n/a | 0.1% | |
| 1ST SIGNATURE LENDING, LLC | $525,000 | $460,000 | -12.4% | 0.1% |
| First Savings Bank | $460,000 | n/a | 0.1% | |
| Lakeview Community Capital, LLC | $2,180,000 | $460,000 | -78.9% | 0.1% |
| Stifel Bank and Trust | $470,000 | $460,000 | -2.1% | 0.1% |
| AMWEST FUNDING CORP. | $455,000 | n/a | 0.1% | |
| Truliant Federal Credit Union | $135,000 | $455,000 | 237.0% | 0.1% |
| M&T Bank | $355,000 | $445,000 | 25.4% | 0.1% |
| SHARONVIEW FEDERAL CREDIT UNION | $420,000 | n/a | 0.1% | |
| MERCK EMPLOYEES FEDERAL CREDIT UNION | $415,000 | $415,000 | 0.0% | 0.1% |
| Plains Commerce Bank | $415,000 | n/a | 0.1% | |
| Colten Mortgage, LLC | $430,000 | $410,000 | -4.7% | 0.1% |
| Strong Home Mortgage, LLC | $1,205,000 | $405,000 | -66.4% | 0.1% |
| Figure Lending LLC | $670,000 | $390,000 | -41.8% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $340,000 | $390,000 | 14.7% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $410,000 | $390,000 | -4.9% | 0.1% |
| UIF CORPORATION | $390,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $385,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $1,010,000 | $380,000 | -62.4% | 0.1% |
| MEMBER HOME LOAN, L.L.C. | $365,000 | n/a | 0.1% | |
| MORTGAGE ACCESS CORP. | $215,000 | $360,000 | 67.4% | 0.1% |
| FBC MORTGAGE, LLC | $275,000 | $345,000 | 25.5% | 0.1% |
| PLANET HOME LENDING, LLC | $930,000 | $335,000 | -64.0% | 0.1% |
| Dollar Bank, Federal Savings Bank | $345,000 | $325,000 | -5.8% | 0.1% |
| EMM LOANS LLC | $450,000 | $320,000 | -28.9% | 0.1% |
| First Guaranty Mortgage Corporation | $1,185,000 | $315,000 | -73.4% | 0.1% |
| Secured Investment Corp. | $300,000 | n/a | 0.0% | |
| AMERICAN ADVISORS GROUP | $230,000 | $295,000 | 28.3% | 0.0% |
| First Home Bank | $560,000 | $295,000 | -47.3% | 0.0% |
| SeaTrust Mortgage Company | $295,000 | n/a | 0.0% | |
| FINANCE OF AMERICA MORTGAGE LLC | $95,000 | $285,000 | 200.0% | 0.0% |
| Peoples Bank | $145,000 | $285,000 | 96.6% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $285,000 | n/a | 0.0% | |
| THE MORTGAGE FIRM, INC. | $1,175,000 | $285,000 | -75.7% | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $405,000 | $275,000 | -32.1% | 0.0% |
| BETTER MORTGAGE CORPORATION | $3,015,000 | $275,000 | -90.9% | 0.0% |
| First Federal Bank | $610,000 | $275,000 | -54.9% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $845,000 | $275,000 | -67.5% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $265,000 | n/a | 0.0% | |
| Christian Community Credit Union | $255,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $155,000 | $255,000 | 64.5% | 0.0% |
| Benchmark Community Bank | $375,000 | $245,000 | -34.7% | 0.0% |
| NBKC BANK | $530,000 | $245,000 | -53.8% | 0.0% |
| Discover Bank | $205,000 | $235,000 | 14.6% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $235,000 | n/a | 0.0% | |
| Apple Federal Credit Union | $230,000 | n/a | 0.0% | |
| Peoples Bank | $145,000 | $230,000 | 58.6% | 0.0% |
| Ameris Bank | $1,320,000 | $225,000 | -83.0% | 0.0% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $225,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $215,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $155,000 | $215,000 | 38.7% | 0.0% |
| Southern First Bank | $965,000 | $215,000 | -77.7% | 0.0% |
| Colonial Savings, F.A. | $155,000 | $205,000 | 32.3% | 0.0% |
| MIDLAND MORTGAGE CORPORATION | $205,000 | n/a | 0.0% | |
| South State Bank | $45,000 | $200,000 | 344.4% | 0.0% |
| AmeriHome Mortgage Company, LLC | $1,045,000 | $195,000 | -81.3% | 0.0% |
| FAIR WAY LENDING LLC | $270,000 | $195,000 | -27.8% | 0.0% |
| MICHIGAN MUTUAL, INC. | $195,000 | n/a | 0.0% | |
| MILEND, INC. | $485,000 | $195,000 | -59.8% | 0.0% |
| Towne Mortgage, LLC | $195,000 | n/a | 0.0% | |
| CAROLINAS TELCO FEDERAL CREDIT UNION | $185,000 | n/a | 0.0% | |
| C & F Mortgage Corporation | $185,000 | n/a | 0.0% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $325,000 | $185,000 | -43.1% | 0.0% |
| Shamrock Home Loans, Inc. | $460,000 | $185,000 | -59.8% | 0.0% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $275,000 | $185,000 | -32.7% | 0.0% |
| THRIVENT Federal Credit Union | $185,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $180,000 | n/a | 0.0% | |
| Armed Forces Bank | $75,000 | $175,000 | 133.3% | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | $175,000 | n/a | 0.0% | |
| DEPARTMENT OF COMMERCE | $175,000 | n/a | 0.0% | |
| DEVELOPER'S MORTGAGE COMPANY | $175,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $255,000 | $175,000 | -31.4% | 0.0% |
| ON Q FINANCIAL, INC. | $105,000 | $175,000 | 66.7% | 0.0% |
| CityWorth Mortgage LLC | $660,000 | $165,000 | -75.0% | 0.0% |
| Evolve Bank & Trust | $175,000 | $165,000 | -5.7% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $65,000 | $165,000 | 153.8% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $205,000 | $165,000 | -19.5% | 0.0% |
| Bank OZK | $455,000 | $155,000 | -65.9% | 0.0% |
| CORNING | $55,000 | $155,000 | 181.8% | 0.0% |
| POLARIS HOME FUNDING CORP. | $155,000 | n/a | 0.0% | |
| The Central Trust Bank | $675,000 | $145,000 | -78.5% | 0.0% |
| Pinnacle Bank | $4,905,000 | $135,000 | -97.2% | 0.0% |
| GENEVA FINANCIAL, LLC | $360,000 | $130,000 | -63.9% | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | $125,000 | n/a | 0.0% | |
| FineMark National Bank & Trust | $125,000 | n/a | 0.0% | |
| HOMESTAR FINANCIAL CORPORATION | $145,000 | $125,000 | -13.8% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $355,000 | $125,000 | -64.8% | 0.0% |
| First Bank | $710,000 | $115,000 | -83.8% | 0.0% |
| Park Lane Finance Solutions, LLC | $125,000 | $110,000 | -12.0% | 0.0% |
| Bank of England | $115,000 | $105,000 | -8.7% | 0.0% |
| SPRING EQ, LLC | $280,000 | $100,000 | -64.3% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $95,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $95,000 | n/a | 0.0% | |
| NexBank | $85,000 | n/a | 0.0% | |
| SOUTHWEST FUNDING, LP | $85,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $155,000 | $75,000 | -51.6% | 0.0% |
| AFFINITY | $400,000 | $70,000 | -82.5% | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | $95,000 | $65,000 | -31.6% | 0.0% |
| Centra Credit Union | $300,000 | $65,000 | -78.3% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $785,000 | $65,000 | -91.7% | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | $55,000 | n/a | 0.0% | |
| KS Bank, Inc. | $390,000 | $55,000 | -85.9% | 0.0% |
| SCIENT Federal Credit Union | $35,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $15,000 | $25,000 | 66.7% | 0.0% |
ROCKY MOUNT's top lender by overall market share is STATE EMPLOYEES', with 15.1% market share. In second place, with 8.0%, is Southern Bank and Trust Company, having originated $49,660,000 in loans. In third place, with 6.2%, is QUICKEN LOANS, LLC, having originated $38,945,000 in loans. In fourth place, with 4.9%, is ATLANTIC BAY MORTGAGE GROUP, L.L.C., having originated $30,755,000 in loans. In fifth place, with 3.0%, is LOCAL GOVERNMENT FEDERAL CREDIT UNION, having originated $19,015,000 in loans.
ROCKY MOUNT Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - ROCKY MOUNT (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 | $133,490 (11.3%) | $170,429 (11.0%) | 0.50 | 520 |
| 2018-02-01 | $132,500 (20.6%) | $170,486 (-7.3%) | 0.48 | 494 |
| 2018-03-01 | $135,000 (22.8%) | $174,645 (8.0%) | 0.47 | 482 |
| 2018-04-01 | $141,000 (22.7%) | $178,086 (6.6%) | 0.48 | 489 |
| 2018-05-01 | $133,948 (16.6%) | $171,498 (1.9%) | 0.45 | 528 |
| 2018-06-01 | $135,200 (14.2%) | $170,730 (6.8%) | 0.45 | 525 |
| 2018-07-01 | $135,900 (13.3%) | $172,533 (9.4%) | 0.45 | 499 |
| 2018-08-01 | $144,245 (16.4%) | $178,849 (13.9%) | 0.48 | 489 |
| 2018-09-01 | $144,695 (16.2%) | $177,598 (13.2%) | 0.49 | 474 |
| 2018-10-01 | $142,035 (10.4%) | $174,595 (7.2%) | 0.48 | 457 |
| 2018-11-01 | $135,500 (4.1%) | $169,930 (1.5%) | 0.46 | 449 |
| 2018-12-01 | $138,900 (4.6%) | $172,172 (2.0%) | 0.48 | 417 |
| 2019-01-01 | $133,900 (0.3%) | $171,315 (0.5%) | 0.46 | 422 |
| 2019-02-01 | $134,050 (1.2%) | $170,168 (-0.2%) | 0.45 | 431 |
| 2019-03-01 | $134,950 (0.0%) | $176,681 (1.2%) | 0.45 | 430 |
| 2019-04-01 | $133,445 (-5.4%) | $179,188 (0.6%) | 0.42 | 421 |
| 2019-05-01 | $134,468 (0.4%) | $182,115 (6.2%) | 0.42 | 424 |
| 2019-06-01 | $134,900 (-0.2%) | $190,683 (11.7%) | 0.42 | 398 |
| 2019-07-01 | $135,948 (0.0%) | $196,195 (13.7%) | 0.43 | 392 |
| 2019-08-01 | $134,995 (-6.4%) | $194,665 (8.8%) | 0.42 | 390 |
| 2019-09-01 | $132,250 (-8.6%) | $187,805 (5.8%) | 0.42 | 377 |
| 2019-10-01 | $129,947 (-8.5%) | $177,256 (1.5%) | 0.42 | 395 |
| 2019-11-01 | $134,900 (-0.4%) | $177,940 (4.7%) | 0.44 | 382 |
| 2019-12-01 | $149,700 (7.8%) | $185,567 (7.8%) | 0.50 | 325 |
| 2020-01-01 | $148,195 (10.7%) | $185,271 (8.2%) | 0.50 | 317 |
| 2020-02-01 | $149,900 (11.8%) | $190,738 (12.1%) | 0.49 | 314 |
| 2020-03-01 | $156,900 (16.3%) | $198,001 (12.1%) | 0.49 | 305 |
| 2020-04-01 | $150,000 (12.4%) | $197,357 (10.1%) | 0.47 | 297 |
| 2020-05-01 | $151,950 (13.0%) | $198,607 (9.1%) | 0.46 | 269 |
| 2020-06-01 | $160,000 (18.6%) | $206,900 (8.5%) | 0.47 | 216 |
| 2020-07-01 | $160,000 (17.7%) | $217,464 (10.8%) | 0.46 | 191 |
| 2020-08-01 | $164,000 (21.5%) | $212,454 (9.1%) | 0.47 | 170 |
| 2020-09-01 | $165,499 (25.1%) | $216,864 (15.5%) | 0.47 | 151 |
| 2020-10-01 | $199,900 (53.8%) | $229,874 (29.7%) | 0.57 | 172 |
| 2020-11-01 | $201,200 (49.2%) | $222,917 (25.3%) | 0.59 | 170 |
| 2020-12-01 | $204,800 (36.8%) | $229,744 (23.8%) | 0.61 | 176 |
| 2021-01-01 | $199,000 (34.3%) | $227,323 (22.7%) | 0.59 | 164 |
| 2021-02-01 | $194,650 (29.9%) | $231,039 (21.1%) | 0.57 | 139 |
| 2021-03-01 | $202,000 (28.7%) | $238,601 (20.5%) | 0.57 | 125 |
| 2021-04-01 | $217,875 (45.3%) | $249,986 (26.7%) | 0.59 | 117 |
| 2021-05-01 | $225,000 (48.1%) | $256,192 (29.0%) | 0.60 | 113 |
| 2021-06-01 | $219,850 (37.4%) | $251,471 (21.5%) | 0.58 | 144 |
| 2021-07-01 | $202,450 (26.5%) | $239,356 (10.1%) | 0.53 | 167 |
| 2021-08-01 | $202,995 (23.8%) | $252,582 (18.9%) | 0.54 | 201 |
| 2021-09-01 | $199,900 (20.8%) | $252,590 (16.5%) | 0.53 | 210 |
| 2021-10-01 | $212,450 (6.3%) | $263,621 (14.7%) | 0.57 | 188 |
| 2021-11-01 | $202,998 (0.9%) | $250,108 (12.2%) | 0.54 | 210 |
| 2021-12-01 | $211,895 (3.5%) | $254,605 (10.8%) | 0.57 | 186 |
| 2022-01-01 | $224,900 (13.0%) | $263,973 (16.1%) | 0.61 | 152 |
| 2022-02-01 | $219,900 (13.0%) | $247,101 (7.0%) | 0.57 | 111 |
| 2022-03-01 | $218,500 (8.2%) | $249,015 (4.4%) | 0.55 | 91 |
| 2022-04-01 | $220,320 (1.1%) | $246,415 (-1.4%) | 0.53 | 108 |
| 2022-05-01 | $233,575 (3.8%) | $259,543 (1.3%) | 0.53 | 148 |
| 2022-06-01 | $249,925 (13.7%) | $278,043 (10.6%) | 0.56 | 156 |
| 2022-07-01 | $254,900 (25.9%) | $281,594 (17.7%) | 0.58 | 199 |
| 2022-08-01 | $275,000 (35.5%) | $286,962 (13.6%) | 0.64 | 241 |
| 2022-09-01 | $288,250 (44.2%) | $294,286 (16.5%) | 0.67 | 254 |
| 2022-10-01 | $279,900 (31.8%) | $292,539 (11.0%) | 0.66 | 296 |
| 2022-11-01 | $279,900 (37.9%) | $292,039 (16.8%) | 0.67 | 321 |
| 2022-12-01 | $269,950 (27.4%) | $294,660 (15.7%) | 0.67 | 304 |
| 2023-01-01 | $278,095 (23.7%) | $303,734 (15.1%) | 0.69 | 272 |
| 2023-02-01 | $277,995 (26.4%) | $301,935 (22.2%) | 0.67 | 264 |
| 2023-03-01 | $289,900 (32.7%) | $309,260 (24.2%) | 0.68 | 250 |
| 2023-04-01 | $293,249 (33.1%) | $309,546 (25.6%) | 0.68 | 236 |
ROCKY MOUNT's median listing price for 2023-04-01 was $293,249, a difference of
$72,929
(33.1%) versus the prior year and
$3,349 versus the prior month.
ROCKY MOUNT's median listing price comes in at 68% of the national average.
ROCKY MOUNT's average listing price for 2023-04-01 was $309,546, a difference of $63,131 (25.6%) versus the prior year and $286 versus the prior month.
For the 2023-04-01 period, ROCKY MOUNT had 236 MLS listings, a difference of -14 listings (-6%) versus the prior month and 128 listings (119%) versus the prior year.
ROCKY MOUNT's median listing price comes in at 68% of the national average.
ROCKY MOUNT's average listing price for 2023-04-01 was $309,546, a difference of $63,131 (25.6%) versus the prior year and $286 versus the prior month.
For the 2023-04-01 period, ROCKY MOUNT had 236 MLS listings, a difference of -14 listings (-6%) versus the prior month and 128 listings (119%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - ROCKY MOUNT (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 136 days | 1,768 sqft |
| 2018-02-01 | 136 days | 1,737 sqft |
| 2018-03-01 | 129 days | 1,778 sqft |
| 2018-04-01 | 110 days | 1,859 sqft |
| 2018-05-01 | 81 days | 1,720 sqft |
| 2018-06-01 | 86 days | 1,740 sqft |
| 2018-07-01 | 88 days | 1,728 sqft |
| 2018-08-01 | 99 days | 1,803 sqft |
| 2018-09-01 | 107 days | 1,792 sqft |
| 2018-10-01 | 113 days | 1,769 sqft |
| 2018-11-01 | 111 days | 1,763 sqft |
| 2018-12-01 | 115 days | 1,766 sqft |
| 2019-01-01 | 117 days | 1,756 sqft |
| 2019-02-01 | 101 days | 1,730 sqft |
| 2019-03-01 | 79 days | 1,748 sqft |
| 2019-04-01 | 90 days | 1,718 sqft |
| 2019-05-01 | 93 days | 1,700 sqft |
| 2019-06-01 | 97 days | 1,700 sqft |
| 2019-07-01 | 103 days | 1,700 sqft |
| 2019-08-01 | 103 days | 1,677 sqft |
| 2019-09-01 | 107 days | 1,672 sqft |
| 2019-10-01 | 87 days | 1,632 sqft |
| 2019-11-01 | 94 days | 1,658 sqft |
| 2019-12-01 | 92 days | 1,750 sqft |
| 2020-01-01 | 104 days | 1,700 sqft |
| 2020-02-01 | 95 days | 1,819 sqft |
| 2020-03-01 | 74 days | 1,864 sqft |
| 2020-04-01 | 74 days | 1,846 sqft |
| 2020-05-01 | 85 days | 1,770 sqft |
| 2020-06-01 | 99 days | 1,875 sqft |
| 2020-07-01 | 87 days | 1,889 sqft |
| 2020-08-01 | 79 days | 1,772 sqft |
| 2020-09-01 | 64 days | 1,806 sqft |
| 2020-10-01 | 47 days | 1,777 sqft |
| 2020-11-01 | 55 days | 1,834 sqft |
| 2020-12-01 | 66 days | 1,790 sqft |
| 2021-01-01 | 69 days | 1,789 sqft |
| 2021-02-01 | 49 days | 1,863 sqft |
| 2021-03-01 | 50 days | 1,810 sqft |
| 2021-04-01 | 43 days | 1,929 sqft |
| 2021-05-01 | 43 days | 1,943 sqft |
| 2021-06-01 | 36 days | 1,985 sqft |
| 2021-07-01 | 43 days | 1,892 sqft |
| 2021-08-01 | 42 days | 1,823 sqft |
| 2021-09-01 | 43 days | 1,774 sqft |
| 2021-10-01 | 44 days | 1,818 sqft |
| 2021-11-01 | 45 days | 1,752 sqft |
| 2021-12-01 | 50 days | 1,757 sqft |
| 2022-01-01 | 56 days | 1,776 sqft |
| 2022-02-01 | 66 days | 1,660 sqft |
| 2022-03-01 | 42 days | 1,692 sqft |
| 2022-04-01 | 33 days | 1,684 sqft |
| 2022-05-01 | 31 days | 1,707 sqft |
| 2022-06-01 | 35 days | 1,673 sqft |
| 2022-07-01 | 38 days | 1,692 sqft |
| 2022-08-01 | 44 days | 1,719 sqft |
| 2022-09-01 | 52 days | 1,840 sqft |
| 2022-10-01 | 54 days | 1,878 sqft |
| 2022-11-01 | 57 days | 1,826 sqft |
| 2022-12-01 | 71 days | 1,823 sqft |
| 2023-01-01 | 87 days | 1,874 sqft |
| 2023-02-01 | 87 days | 1,882 sqft |
| 2023-03-01 | 70 days | 1,926 sqft |
| 2023-04-01 | 59 days | 1,894 sqft |
ROCKY MOUNT's median listing age (time on market) for 2023-04-01 was 59 days.
This
is 79%
longer
than the same period one year ago.
ROCKY MOUNT's median square footage for active listings during the 2023-04-01 period was 1,894 sqft. One year prior, the average listing was 1,684 sqft.
ROCKY MOUNT's median square footage for active listings during the 2023-04-01 period was 1,894 sqft. One year prior, the average listing was 1,684 sqft.
ROCKY MOUNT, NC Average Rent (2023)
Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.
| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 27557 | Rocky Mount, NC | $920 | $950 | $1,080 | $1,360 | $1,760 |
| 27597 | Rocky Mount, NC | $920 | $950 | $1,080 | $1,360 | $1,760 |
| 27801 | Rocky Mount, NC | $620 | $630 | $800 | $1,090 | $1,180 |
| 27802 | Rocky Mount, NC | $580 | $600 | $760 | $1,030 | $1,120 |
| 27803 | Rocky Mount, NC | $660 | $680 | $860 | $1,170 | $1,270 |
| 27804 | Rocky Mount, NC | $700 | $720 | $910 | $1,240 | $1,340 |
| 27807 | Rocky Mount, NC | $580 | $600 | $760 | $1,030 | $1,120 |
| 27809 | Rocky Mount, NC | $580 | $590 | $750 | $1,020 | $1,100 |
| 27812 | Rocky Mount, NC | $630 | $640 | $790 | $1,100 | $1,370 |
| 27815 | Rocky Mount, NC | $580 | $600 | $760 | $1,030 | $1,120 |
| 27816 | Rocky Mount, NC | $920 | $950 | $1,080 | $1,360 | $1,760 |
| 27819 | Rocky Mount, NC | $560 | $570 | $720 | $990 | $1,080 |
| 27822 | Rocky Mount, NC | $580 | $600 | $760 | $1,030 | $1,120 |
| 27829 | Rocky Mount, NC | $670 | $670 | $840 | $1,150 | $1,410 |
| 27834 | Rocky Mount, NC | $730 | $730 | $910 | $1,250 | $1,560 |
| 27843 | Rocky Mount, NC | $750 | $760 | $970 | $1,320 | $1,430 |
| 27852 | Rocky Mount, NC | $630 | $640 | $790 | $1,100 | $1,370 |
| 27856 | Rocky Mount, NC | $630 | $640 | $820 | $1,120 | $1,210 |
| 27864 | Rocky Mount, NC | $560 | $570 | $720 | $990 | $1,080 |
| 27868 | Rocky Mount, NC | $650 | $670 | $850 | $1,160 | $1,250 |
| 27878 | Rocky Mount, NC | $610 | $620 | $790 | $1,070 | $1,160 |
| 27880 | Rocky Mount, NC | $560 | $570 | $720 | $990 | $1,080 |
| 27881 | Rocky Mount, NC | $720 | $730 | $930 | $1,260 | $1,370 |
| 27882 | Rocky Mount, NC | $920 | $950 | $1,080 | $1,360 | $1,760 |
| 27886 | Rocky Mount, NC | $630 | $640 | $790 | $1,100 | $1,370 |
| 27891 | Rocky Mount, NC | $690 | $710 | $900 | $1,220 | $1,330 |
| 27896 | Rocky Mount, NC | $730 | $750 | $950 | $1,290 | $1,400 |
2022 Average & Median Rent Data Statistics
ROCKY MOUNT, NC average 1BR rent: $694, median: $640
ROCKY MOUNT, NC average 2BR rent: $858, median: $820
ROCKY MOUNT, NC average 3BR rent: $1,155, median: $1,120
ROCKY MOUNT, NC Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,812 | $412,570,000 | $227,688 |
| Refi | 518 | $81,670,000 | $157,664 |
| Cash Out Refi | 476 | $85,040,000 | $178,655 |
| Other | 320 | $28,950,000 | $90,469 |
| Home Improvement | 220 | $15,330,000 | $69,682 |
Rocky Mount's most frequently cited loan purpose was Home Purchase, with 1,812 originations. The 2nd most popular reason was Refi, with 518 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 1,015 | $182,155,000 | $179,463 |
| 5-6% | 716 | $154,590,000 | $215,908 |
| 4-5% | 694 | $144,680,000 | $208,473 |
| 2.5-3% | 329 | $45,325,000 | $137,766 |
| 6-7% | 291 | $53,425,000 | $183,591 |
| 7-8% | 104 | $14,600,000 | $140,385 |
| Over 8% | 77 | $10,065,000 | $130,714 |
| <2.5% | 76 | $8,160,000 | $107,368 |
During 2022, Rocky Mount's most frequently originated rate bucket was 3-4%, with 1,015 originations.
Loan Sizing (ROCKY MOUNT, NC MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 1,227 | $182,825,000 | $149,002 |
| $200k-400k | 1,089 | $289,715,000 | $266,038 |
| $100,000 or less | 872 | $50,700,000 | $58,142 |
| $400k-600k | 127 | $59,275,000 | $466,732 |
| $600k-1000k | 25 | $18,395,000 | $735,800 |
| $Over $1MM | 6 | $22,650,000 | $3,775,000 |
ROCKY MOUNT's loan sizing saw the bucket of loans from $100k-200k with 1,227 originations, totaling $182,825,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,537 | $347,385,000 | $226,015 |
| 60-80% | 734 | $141,090,000 | $192,221 |
| 20-40% | 332 | $28,220,000 | $85,000 |
| 40-60% | 324 | $59,440,000 | $183,457 |
| Under 20% | 293 | $11,945,000 | $40,768 |
| Over 100% | 86 | $22,670,000 | $263,605 |
ROCKY MOUNT's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,537 originations, totaling $347,385,000 in origination value.