ROME Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Rome averaged 6.86% for the week of 2022-11-23, compared to the national average of 6.58% for the same period.

The average rate for the prior week (2022-11-17) was 6.69% and one month ago for the week of 2022-10-20, the average rate was 7.42%.

Rome's average rate one year ago was 3.5%.

For refis of the same type during the week of 2022-11-23, the average rate was 6.66%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-11-23 6.58%
Rome 30 Year Fixed Rate 2022-11-23 6.86%
Rome 30 Year Fixed Rate Refi 2022-11-23 6.66%
Rome 15 Year Fixed Rate 2022-11-23 6.25%
Rome 15 Year Fixed Rate Refi 2022-11-23 6.04%
Rome 30 Year FHA 2022-11-23 0.14%
Rome 30 Year FHA Refi 2022-11-23 0.03%
Rome 30 Year USDA 2022-11-23 -0.07%
Rome 30 Year USDA Refi 2022-11-23 -0.07%
Rome 30 Year VA 2022-11-23 0.43%
Rome 30 Year VA Refi 2022-11-23 0.06%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ROME, GA.

ROME 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 ROME, 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 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
QUICKEN LOANS, LLC 189 3.14% $4,379
South State Bank 114 2.98% $4,410
FirstBank 108 3.24% $5,308
HOMESTAR FINANCIAL CORPORATION 86 3.21% $2,996
United Community Bank 76 3.26% $3,979
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 56 3.28% $3,827
Synovus Bank 46 3.18% $4,419
Wells Fargo Bank 38 3.22% $2,873
THE MORTGAGE FIRM, INC. 32 3.43% $3,411
Regions Bank 29 3.13% $3,617
Truist 27 2.92% $4,130
SWBC MORTGAGE CORPORATION 21 3.24% $3,210
FIRST COMMUNITY MORTGAGE, INC. 19 3.18% $3,307
Ameris Bank 19 3.29% $4,556
UNITED WHOLESALE MORTGAGE, LLC 18 2.95% $4,700
AMERISAVE MORTGAGE CORPORATION 16 2.91% $4,025
LOANDEPOT.COM, LLC 16 3.03% $4,187
Mr. Cooper ( Nationstar Mortgage ) 16 3.41% $4,784
CERTAINTY HOME LOANS, LLC 12 3.06% $3,743
HOME POINT FINANCIAL CORPORATION 12 3.11% $5,811
MEMBER FIRST MORTGAGE, LLC 12 3.26% $4,110
BROKER SOLUTIONS, INC. 10 3.37% $3,921
VANDERBILT MORTGAGE AND FINANCE, INC. 9 3.49% $4,017
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 9 3.08% $4,033
PENNYMAC LOAN SERVICES, LLC 8 3.18% $5,066
GUILD MORTGAGE COMPANY 8 3.25% $4,663
CALIBER HOME LOANS, INC. 7 3.21% $3,822
Mortgage Assurance Inc. 7 2.88% $3,267
JPMorgan Chase Bank 7 3.07% $2,638
BETTER MORTGAGE CORPORATION 7 2.80% $3,020
DIRECT LENDERS, LLC 7 3.07% $2,668
Prosperity Home Mortgage, LLC 7 3.46% $4,147
INSPIRE HOME LOANS INC. 6 3.04% $3,927
Flagstar Bank, FSB 6 3.10% $5,422
TJC Mortgage, Inc. 5 3.15% $4,746
Bank of America 4 3.22% $4,332
BAY EQUITY LLC 4 3.37% $4,179
MOVEMENT MORTGAGE, LLC 4 3.09% $3,311
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 4 3.06% $3,777
MILEND, INC. 4 2.88% $5,471
ACOPIA, LLC 4 3.44% $3,722
EVERETT FINANCIAL, INC. 3 3.29% $2,461
Bank of England 3 3.58% $4,319
Capital City Home Loans, LLC 3 3.08% $4,201
STOCKTON MORTGAGE CORPORATION 3 3.38% $4,154
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 2.79% $5,802
LGE COMMUNITY 3 2.88% $5,097
NAVY FEDERAL CREDIT UNION 3 3.79% $3,888
ANGEL OAK HOME LOANS LLC 3 3.42% $2,929
Carrington Mortgage Services, LLC 3 4.29% $4,149
ATLANTA POSTAL 3 3.04% $3,026
Paramount Residential Mortgage Group, Inc. 3 3.33% $4,496
GUARANTEED RATE, INC. 3 2.91% $3,472
SOUTHEAST MORTGAGE OF GEORGIA, INC. 3 3.63% $4,324
SOFI LENDING CORP. 3 3.29% $3,314
Mortgage Research Center, LLC 3 2.79% $3,719
NEWREZ LLC 3 3.08% $3,346
ZILLOW HOME LOANS, LLC 2 2.94% $2,997
Ally Bank 2 3.63% $2,213
AmeriHome Mortgage Company, LLC 2 3.13% $3,837
Assurance Financial Group, L.L.C. 2 4.00% $3,216
BANKSOUTH MORTGAGE COMPANY, LLC 2 3.50% $4,980
CHURCHILL MORTGAGE CORPORATION 2 3.31% $7,484
Colony Bank 2 3.31% $4,586
CREDIT UNION FINANCIAL SERVICES, LLC 2 3.63% $3,648
DELTA COMMUNITY CREDIT UNION 2 3.50% $3,761
Fifth Third Bank 2 3.19% $3,152
First Guaranty Mortgage Corporation 2 3.56% $3,849
First Home Bank 2 3.31% $5,685
InterContinental Capital Group, Inc 2 3.88% $3,736
LEADERONE FINANCIAL CORPORATION 2 3.44% $3,593
LENDUS, LLC 2 2.69% $3,996
MORTGAGE INVESTORS GROUP, INC. 2 2.94% $5,687
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.69% $3,713
PREMIA MORTGAGE, LLC 2 2.94% $1,527
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 2.99% $3,536
Renasant Bank 2 2.87% $4,772
SHELTER HOME MORTGAGE, LLC 2 3.43% $4,354
STATE EMPLOYEES' 2 3.81% $3,396
SUCCESS MORTGAGE PARTNERS, INC. 2 3.19% $5,467
TOGETHER CREDIT UNION 2 3.00% $2,710
US MORTGAGE CORPORATION 2 3.38% $3,434
GENEVA FINANCIAL, LLC 1 3.38% $3,990
M&T Bank 1 4.13% $3,252
Baxter Credit Union 1 2.88% $3,233
Nations Lending Corporation 1 2.88% $10,294
FREEDOM MORTGAGE CORPORATION 1 2.88% $2,701
NBKC BANK 1 2.63% $2,366
First Option Mortgage, LLC 1 3.38% $4,591
NEXERA HOLDING LLC 1 4.00% $2,343
Old National Bank 1 2.88% $2,677
First National Bank of America 1 7.38% $7,220
First Federal Bank 1 2.88% $4,099
PENTAGON FEDERAL CREDIT UNION 1 3.50% $2,360
PHH Mortgage Corporation 1 4.50% $4,172
Platinum Home Mortgage Corporation 1 3.13% $10,407
PNC Bank 1 2.75% $4,184
POWERCO 1 2.95% $3,978
Axos Bank 1 2.88% $2,877
First American Bank and Trust Company 1 2.99% $3,023
UNITED PREMIER FUNDING, LLC 1 3.13% $3,570
FBC MORTGAGE, LLC 1 2.88% $3,988
PROVIDENT FUNDING ASSOCIATES, L.P. 1 2.88% $6,942
EMM LOANS LLC 1 3.13% $4,669
EMBRACE HOME LOANS, INC. 1 2.99% $6,151
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 6.13% $4,647
Republic Bank & Trust Company 1 3.38% $6,091
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.38% $2,371
RUOFF MORTGAGE COMPANY, INC. 1 3.25% $2,888
U.S. Bank 1 2.99% $3,532
DRAPER AND KRAMER MORTGAGE CORP. 1 3.38% $3,282
Discover Bank 1 4.75% $0
Southern First Bank 1 3.25% $3,360
SOUTHPOINT FINANCIAL SERVICES, INC. 1 3.13% $4,980
CRESCENT MORTGAGE COMPANY 1 2.88% $2,780
Southwest Airlines Federal Credit Union 1 2.75% $4,945
SOVEREIGN LENDING GROUP INCORPORATED 1 3.50% $4,445
SRP Federal Credit Union 1 3.13% $3,986
Alcova Mortgage LLC 1 3.63% $3,272
CONTOUR MORTGAGE CORPORATION 1 2.75% $4,700
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.00% $2,853
SUMMIT FUNDING, INC. 1 3.38% $3,604
Sunflower Bank 1 2.63% $2,960
Colonial Savings, F.A. 1 3.25% $5,659
CMG MORTGAGE, INC. 1 2.99% $7,803
The Central Trust Bank 1 2.88% $2,555
The Huntington National Bank 1 2.75% $2,531
CityWorth Mortgage LLC 1 3.25% $5,517
Chicago Mortgage Solutions LLC 1 2.74% $2,070
IVY MORTGAGE, INC. 1 2.88% $2,104
HOMESIDE FINANCIAL, LLC 1 2.99% $3,635
LOANPAL, LLC 1 2.75% $5,610
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 2.63% $5,087
Midwest BankCentre 1 3.13% $2,576
HANCOCK MORTGAGE PARTNERS, LLC 1 2.88% $6,086
GUARANTEED RATE AFFINITY, LLC 1 2.88% $3,354
AMERICAN FINANCIAL RESOURCES, INC. 1 3.25% $3,554
GMFS LLC 1 3.63% $6,161
GEORGIA UNITED 1 3.38% $3,465

ROME Average Closing Costs & Other Stats

ROME, GA's 139 lenders originated 3,130 loans during 2021. The total origination value was $619,210,000, with an average loan value of $197,831.

ROME's average closing costs are $4,597.

The top ROME lender as defined by loan originations is QUICKEN LOANS, LLC, with 189 loans originated. Their average total fees are $4,379, which is $31 lower than the next largest lender, South State Bank.

The lowest fee ROME lenders (with over 10 loans originated) are Wells Fargo Bank ($2,873), HOMESTAR FINANCIAL CORPORATION ($2,996), SWBC MORTGAGE CORPORATION ($3,210), FIRST COMMUNITY MORTGAGE, INC. ($3,307) and THE MORTGAGE FIRM, INC. ($3,411).

The lowest rate ROME lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.91%), Truist (2.92%), UNITED WHOLESALE MORTGAGE, LLC (2.95%), South State Bank (2.98%) and LOANDEPOT.COM, LLC (3.03%).

ROME, 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $48,190,000 $66,825,000 38.7% 10.8%
HOMESTAR FINANCIAL CORPORATION $44,070,000 $43,525,000 -1.2% 7.0%
South State Bank $43,450,000 $42,265,000 -2.7% 6.8%
WALKER & DUNLOP, LLC $6,385,000 $41,840,000 555.3% 6.8%
United Community Bank $32,115,000 $38,820,000 20.9% 6.3%
FirstBank $26,865,000 $37,895,000 41.1% 6.1%
Synovus Bank $26,375,000 $23,705,000 -10.1% 3.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $15,420,000 $21,665,000 40.5% 3.5%
Truist Bank $9,390,000 $17,615,000 87.6% 2.8%
Wells Fargo Bank $8,505,000 $14,770,000 73.7% 2.4%
Regions Bank $9,060,000 $14,425,000 59.2% 2.3%
FREEDOM MORTGAGE CORPORATION $6,670,000 $11,680,000 75.1% 1.9%
PENNYMAC LOAN SERVICES, LLC $2,055,000 $10,415,000 406.8% 1.7%
THE MORTGAGE FIRM, INC. $11,240,000 $9,170,000 -18.4% 1.5%
Ameris Bank $4,625,000 $8,510,000 84.0% 1.4%
SWBC MORTGAGE CORPORATION $6,690,000 $7,645,000 14.3% 1.2%
Mr. Cooper ( Nationstar Mortgage ) $3,195,000 $7,600,000 137.9% 1.2%
FIRST COMMUNITY MORTGAGE, INC. $8,065,000 $7,530,000 -6.6% 1.2%
UNITED WHOLESALE MORTGAGE, LLC $3,980,000 $7,510,000 88.7% 1.2%
Coosa Valley Credit Union $13,125,000 $7,110,000 -45.8% 1.1%
Mortgage Research Center, LLC $3,870,000 $6,780,000 75.2% 1.1%
LOANDEPOT.COM, LLC $4,465,000 $6,715,000 50.4% 1.1%
HOME POINT FINANCIAL CORPORATION $2,970,000 $5,440,000 83.2% 0.9%
CERTAINTY HOME LOANS, LLC $3,115,000 $5,410,000 73.7% 0.9%
AMERISAVE MORTGAGE CORPORATION $3,220,000 $5,215,000 62.0% 0.8%
BETTER MORTGAGE CORPORATION $4,495,000 $5,205,000 15.8% 0.8%
MEMBER FIRST MORTGAGE, LLC $185,000 $4,585,000 2,378.4% 0.7%
Colony Bank $245,000 $4,425,000 1,706.1% 0.7%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $3,805,000 $3,850,000 1.2% 0.6%
BROKER SOLUTIONS, INC. $1,380,000 $3,545,000 156.9% 0.6%
JPMorgan Chase Bank $1,625,000 $3,475,000 113.8% 0.6%
LENDUS, LLC $2,650,000 $3,175,000 19.8% 0.5%
Bank of America $1,595,000 $3,035,000 90.3% 0.5%
LAKEVIEW LOAN SERVICING, LLC $1,260,000 $2,885,000 129.0% 0.5%
First Federal Bank $380,000 $2,860,000 652.6% 0.5%
INSPIRE HOME LOANS INC. $330,000 $2,825,000 756.1% 0.5%
CALIBER HOME LOANS, INC. $1,560,000 $2,750,000 76.3% 0.4%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,965,000 $2,505,000 -15.5% 0.4%
GUILD MORTGAGE COMPANY $890,000 $2,230,000 150.6% 0.4%
Prosperity Home Mortgage, LLC $660,000 $2,100,000 218.2% 0.3%
BANKSOUTH MORTGAGE COMPANY, LLC $920,000 $2,035,000 121.2% 0.3%
Mortgage Assurance Inc. $595,000 $2,035,000 242.0% 0.3%
Carrington Mortgage Services, LLC $835,000 $1,995,000 138.9% 0.3%
NAVY FEDERAL CREDIT UNION $2,670,000 $1,970,000 -26.2% 0.3%
NEW DAY FINANCIAL, LLC $3,140,000 $1,950,000 -37.9% 0.3%
NEWREZ LLC $1,900,000 $1,920,000 1.1% 0.3%
Flagstar Bank, FSB $855,000 $1,850,000 116.4% 0.3%
MOVEMENT MORTGAGE, LLC $435,000 $1,805,000 314.9% 0.3%
MILEND, INC. $510,000 $1,760,000 245.1% 0.3%
Renasant Bank $765,000 $1,700,000 122.2% 0.3%
DIRECT LENDERS, LLC $685,000 $1,670,000 143.8% 0.3%
BankSouth $1,635,000 n/a 0.3%
ATLANTA POSTAL $1,415,000 $1,595,000 12.7% 0.3%
STOCKTON MORTGAGE CORPORATION $435,000 $1,565,000 259.8% 0.3%
First Guaranty Mortgage Corporation $1,850,000 $1,470,000 -20.5% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $780,000 $1,405,000 80.1% 0.2%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $610,000 $1,395,000 128.7% 0.2%
Paramount Residential Mortgage Group, Inc. $1,370,000 n/a 0.2%
ZILLOW HOME LOANS, LLC $255,000 $1,355,000 431.4% 0.2%
EVERETT FINANCIAL, INC. $2,190,000 $1,345,000 -38.6% 0.2%
AmeriHome Mortgage Company, LLC $1,190,000 $1,330,000 11.8% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $1,505,000 $1,290,000 -14.3% 0.2%
Capital City Home Loans, LLC $475,000 $1,275,000 168.4% 0.2%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $165,000 $1,220,000 639.4% 0.2%
ISERVE RESIDENTIAL LENDING, LLC $1,230,000 $1,205,000 -2.0% 0.2%
TJC Mortgage, Inc. $2,285,000 $1,190,000 -47.9% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $475,000 $1,150,000 142.1% 0.2%
SOUTHPOINT FINANCIAL SERVICES, INC. $715,000 $1,115,000 55.9% 0.2%
CHURCHILL MORTGAGE CORPORATION $885,000 $1,050,000 18.6% 0.2%
BAY EQUITY LLC $760,000 $1,045,000 37.5% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $875,000 $1,045,000 19.4% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,820,000 $1,010,000 -44.5% 0.2%
GUARANTEED RATE, INC. $340,000 $970,000 185.3% 0.2%
ACOPIA, LLC $350,000 $960,000 174.3% 0.2%
DELTA COMMUNITY CREDIT UNION $460,000 $945,000 105.4% 0.2%
MORTGAGE INVESTORS GROUP, INC. $935,000 n/a 0.2%
Ally Bank $920,000 n/a 0.1%
FAMILY SAVINGS $575,000 $905,000 57.4% 0.1%
CRESCENT MORTGAGE COMPANY $460,000 $895,000 94.6% 0.1%
Bank of England $1,200,000 $865,000 -27.9% 0.1%
Fifth Third Bank $815,000 n/a 0.1%
First Home Bank $155,000 $765,000 393.5% 0.1%
SOFI LENDING CORP. $730,000 n/a 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $715,000 n/a 0.1%
First-Citizens Bank & Trust Company $690,000 n/a 0.1%
USAA Federal Savings Bank $2,060,000 $685,000 -66.7% 0.1%
SHELTER HOME MORTGAGE, LLC $215,000 $675,000 214.0% 0.1%
Barrington Bank & Trust Company, N.A. $405,000 $655,000 61.7% 0.1%
U.S. Bank $300,000 $635,000 111.7% 0.1%
ANGEL OAK HOME LOANS LLC $885,000 $625,000 -29.4% 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $2,770,000 $625,000 -77.4% 0.1%
21ST MORTGAGE CORPORATION $395,000 $615,000 55.7% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $190,000 $590,000 210.5% 0.1%
The Federal Savings Bank $645,000 $590,000 -8.5% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $580,000 n/a 0.1%
InterContinental Capital Group, Inc $625,000 $570,000 -8.8% 0.1%
PNC Bank $230,000 $550,000 139.1% 0.1%
LGE COMMUNITY $135,000 $540,000 300.0% 0.1%
Arvest Bank $385,000 $530,000 37.7% 0.1%
PLANET HOME LENDING, LLC $300,000 $530,000 76.7% 0.1%
Financial Federal Bank $515,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $720,000 $515,000 -28.5% 0.1%
PREMIA MORTGAGE, LLC $510,000 n/a 0.1%
First Horizon Bank $505,000 n/a 0.1%
EMBRACE HOME LOANS, INC. $550,000 $500,000 -9.1% 0.1%
Magnolia Bank $95,000 $490,000 415.8% 0.1%
HANCOCK MORTGAGE PARTNERS, LLC $485,000 n/a 0.1%
IMPAC MORTGAGE CORP. $475,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $800,000 $465,000 -41.9% 0.1%
Equity Prime Mortgage LLC $450,000 n/a 0.1%
Platinum Home Mortgage Corporation $445,000 n/a 0.1%
GUARANTEED RATE AFFINITY, LLC $225,000 $440,000 95.6% 0.1%
Low VA Rates, LLC $345,000 $435,000 26.1% 0.1%
Axos Bank $425,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $85,000 $425,000 400.0% 0.1%
City Bank $415,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $515,000 $410,000 -20.4% 0.1%
FINANCE OF AMERICA COMMERCIAL LLC $410,000 n/a 0.1%
Lakeview Community Capital, LLC $410,000 n/a 0.1%
TOTAL MORTGAGE SERVICES, LLC $400,000 n/a 0.1%
UNION HOME MORTGAGE CORP. $395,000 n/a 0.1%
Alcova Mortgage LLC $380,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $370,000 n/a 0.1%
CMG MORTGAGE, INC. $370,000 n/a 0.1%
First Option Mortgage, LLC $370,000 n/a 0.1%
Nations Lending Corporation $155,000 $370,000 138.7% 0.1%
TOGETHER CREDIT UNION $345,000 $360,000 4.3% 0.1%
AMERICAN ADVISORS GROUP $160,000 $355,000 121.9% 0.1%
DAS Acquisition Company, LLC $290,000 $355,000 22.4% 0.1%
First Bank $905,000 $355,000 -60.8% 0.1%
Sunflower Bank $355,000 n/a 0.1%
DIRECT MORTGAGE LOANS, LLC $345,000 n/a 0.1%
SOUTH CENTRAL BANK, INC. $335,000 n/a 0.1%
PHH Mortgage Corporation $310,000 $325,000 4.8% 0.1%
Third Federal Savings and Loan Association of Cleveland $430,000 $320,000 -25.6% 0.1%
Meridian Bank Corporation $305,000 n/a 0.0%
STATE EMPLOYEES' $300,000 n/a 0.0%
CELEBRITY HOME LOANS, LLC $295,000 n/a 0.0%
NBKC BANK $295,000 n/a 0.0%
Southern First Bank $295,000 n/a 0.0%
Cornerstone First Mortgage, Inc $290,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $540,000 $290,000 -46.3% 0.0%
Chicago Mortgage Solutions LLC $285,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $285,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $285,000 n/a 0.0%
US MORTGAGE CORPORATION $740,000 $285,000 -61.5% 0.0%
First Federal Bank, A FSB $275,000 n/a 0.0%
SUMMIT FUNDING, INC. $275,000 n/a 0.0%
First American Bank and Trust Company $265,000 n/a 0.0%
Mid-Continent Funding, Inc. $265,000 n/a 0.0%
The Huntington National Bank $265,000 n/a 0.0%
UNITED PREMIER FUNDING, LLC $265,000 n/a 0.0%
Capital City Bank $255,000 n/a 0.0%
Citizens Bank $825,000 $255,000 -69.1% 0.0%
LIMA ONE CAPITAL, LLC $255,000 n/a 0.0%
CLEARPATH LENDING $175,000 $245,000 40.0% 0.0%
Colonial Savings, F.A. $245,000 n/a 0.0%
IVY MORTGAGE, INC. $245,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $235,000 n/a 0.0%
Paramount Bank $235,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $235,000 n/a 0.0%
POWERCO $230,000 n/a 0.0%
MIDLAND MORTGAGE CORPORATION $225,000 n/a 0.0%
Southwest Airlines Federal Credit Union $255,000 $225,000 -11.8% 0.0%
LENDINGONE, LLC $220,000 n/a 0.0%
Manufacturers and Traders Trust Company $45,000 $220,000 388.9% 0.0%
BELEM SERVICING LLC $215,000 n/a 0.0%
Discover Bank $185,000 $215,000 16.2% 0.0%
Victorian Finance, LLC $215,000 n/a 0.0%
CROSSCOUNTRY MORTGAGE, LLC $570,000 $210,000 -63.2% 0.0%
RUOFF MORTGAGE COMPANY, INC. $275,000 $210,000 -23.6% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $205,000 n/a 0.0%
First Mortgage Solutions, LLC $205,000 n/a 0.0%
Mid-Missouri Bank $205,000 n/a 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $200,000 n/a 0.0%
CityWorth Mortgage LLC $195,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $185,000 n/a 0.0%
CREDIT UNION FINANCIAL SERVICES, LLC $280,000 $185,000 -33.9% 0.0%
DEVELOPER'S MORTGAGE COMPANY $185,000 n/a 0.0%
Metro City Bank $185,000 n/a 0.0%
NP, Inc. $185,000 n/a 0.0%
Bryant Bank $175,000 n/a 0.0%
GENEVA FINANCIAL, LLC $75,000 $175,000 133.3% 0.0%
KELLER MORTGAGE, LLC $860,000 $175,000 -79.7% 0.0%
Midwest BankCentre $175,000 n/a 0.0%
Shamrock Home Loans, Inc. $175,000 n/a 0.0%
Stifel Bank and Trust $175,000 n/a 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $95,000 $175,000 84.2% 0.0%
Figure Lending LLC $170,000 n/a 0.0%
GEORGIA UNITED $655,000 $170,000 -74.0% 0.0%
LEADERONE FINANCIAL CORPORATION $170,000 n/a 0.0%
FBC MORTGAGE, LLC $165,000 n/a 0.0%
GMFS LLC $385,000 $165,000 -57.1% 0.0%
OPEN MORTGAGE, LLC $165,000 n/a 0.0%
PANORAMA MORTGAGE GROUP, LLC $195,000 $165,000 -15.4% 0.0%
AMWEST FUNDING CORP. $155,000 n/a 0.0%
Baxter Credit Union $155,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $505,000 $155,000 -69.3% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $150,000 n/a 0.0%
Assurance Financial Group, L.L.C. $245,000 $150,000 -38.8% 0.0%
COUNTRYPLACE MORTGAGE, LTD. $145,000 n/a 0.0%
EMM LOANS LLC $145,000 n/a 0.0%
GUARANTY HOME MORTGAGE CORPORATION $145,000 n/a 0.0%
Old National Bank $135,000 n/a 0.0%
Republic Bank & Trust Company $360,000 $135,000 -62.5% 0.0%
ROYAL UNITED MORTGAGE LLC $135,000 n/a 0.0%
SRP Federal Credit Union $135,000 n/a 0.0%
Colten Mortgage, LLC $125,000 n/a 0.0%
Hometown Equity Mortgage, LLC $330,000 $125,000 -62.1% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $115,000 $125,000 8.7% 0.0%
NEXERA HOLDING LLC $125,000 n/a 0.0%
The Central Trust Bank $125,000 n/a 0.0%
TIAA, FSB $300,000 $125,000 -58.3% 0.0%
First National Bank of America $115,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $250,000 $115,000 -54.0% 0.0%
LOANPAL, LLC $115,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $1,050,000 $115,000 -89.0% 0.0%
AuburnBank $125,000 $105,000 -16.0% 0.0%
CIVIC FINANCIAL SERVICES, LLC $205,000 $105,000 -48.8% 0.0%
INTERLINC MORTGAGE SERVICES, LLC $105,000 n/a 0.0%
SIRVA MORTGAGE, INC. $105,000 n/a 0.0%
STEARNS LENDING, LLC $790,000 $105,000 -86.7% 0.0%
SPRING EQ, LLC $85,000 $90,000 5.9% 0.0%
ROBINS FINANCIAL $35,000 $85,000 142.9% 0.0%
CONTOUR MORTGAGE CORPORATION $75,000 n/a 0.0%
The Bank of LaFayette, Georgia $75,000 n/a 0.0%

ROME's top lender by overall market share is QUICKEN LOANS, LLC, with 10.8% market share. In second place, with 7.0%, is HOMESTAR FINANCIAL CORPORATION, having originated $43,525,000 in loans. In third place, with 6.8%, is South State Bank, having originated $42,265,000 in loans. In fourth place, with 6.8%, is WALKER & DUNLOP, LLC, having originated $41,840,000 in loans. In fifth place, with 6.3%, is United Community Bank, having originated $38,820,000 in loans.


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

Realtor.com - ROME (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 $179,700 (15.5%) $243,993 (5.7%) 0.00 320
2018-02-01 $170,575 (12.9%) $229,231 (5.2%) 0.00 326
2018-03-01 $175,000 (16.7%) $233,905 (5.9%) 0.00 339
2018-04-01 $179,900 (13.9%) $249,023 (8.9%) 0.00 362
2018-05-01 $189,500 (18.5%) $260,546 (11.6%) 0.00 353
2018-06-01 $199,000 (18.5%) $268,334 (13.5%) 0.00 353
2018-07-01 $192,350 (16.7%) $264,456 (13.6%) 0.00 381
2018-08-01 $177,400 (4.4%) $255,653 (7.2%) 0.00 427
2018-09-01 $174,950 (3.0%) $264,159 (11.8%) 0.00 402
2018-10-01 $159,683 (-8.7%) $241,565 (-1.3%) 0.00 449
2018-11-01 $163,779 (-6.4%) $243,986 (0.6%) 0.00 462
2018-12-01 $159,950 (-8.6%) $245,852 (2.4%) 0.00 443
2019-01-01 $157,225 (-12.5%) $247,861 (1.6%) 0.00 402
2019-02-01 $169,900 (-0.4%) $274,795 (19.9%) 0.00 385
2019-03-01 $175,614 (0.4%) $281,718 (20.4%) 0.00 375
2019-04-01 $171,264 (-4.8%) $277,412 (11.4%) 0.00 403
2019-05-01 $187,425 (-1.1%) $290,702 (11.6%) 0.00 415
2019-06-01 $189,900 (-4.6%) $276,005 (2.9%) 0.00 431
2019-07-01 $195,108 (1.4%) $276,964 (4.7%) 0.00 444
2019-08-01 $206,264 (16.3%) $279,091 (9.2%) 0.00 434
2019-09-01 $208,309 (19.1%) $277,647 (5.1%) 0.00 414
2019-10-01 $217,400 (36.2%) $287,166 (18.9%) 0.00 384
2019-11-01 $219,900 (34.3%) $291,508 (19.5%) 0.00 346
2019-12-01 $219,900 (37.5%) $287,961 (17.1%) 0.00 350
2020-01-01 $219,675 (39.7%) $283,824 (14.5%) 0.00 310
2020-02-01 $232,500 (36.9%) $290,095 (5.6%) 0.00 319
2020-03-01 $230,750 (31.4%) $284,955 (1.2%) 0.00 309
2020-04-01 $222,200 (29.7%) $289,040 (4.2%) 0.00 309
2020-05-01 $239,900 (28.0%) $307,688 (5.8%) 0.00 288
2020-06-01 $248,200 (30.7%) $312,961 (13.4%) 0.00 256
2020-07-01 $245,925 (26.1%) $319,181 (15.2%) 0.00 230
2020-08-01 $246,950 (19.7%) $334,764 (20.0%) 0.00 221
2020-09-01 $234,950 (12.8%) $308,115 (11.0%) 0.00 223
2020-10-01 $219,950 (1.2%) $289,404 (0.8%) 0.00 220
2020-11-01 $220,000 (0.1%) $288,551 (-1.0%) 0.00 209
2020-12-01 $231,200 (5.1%) $300,244 (4.3%) 0.00 196
2021-01-01 $231,200 (5.3%) $320,483 (12.9%) 0.00 164
2021-02-01 $237,000 (1.9%) $341,735 (17.8%) 0.00 150
2021-03-01 $245,875 (6.6%) $343,379 (20.5%) 0.00 135
2021-04-01 $240,425 (8.2%) $340,358 (17.8%) 0.00 121
2021-05-01 $249,450 (4.0%) $371,179 (20.6%) 0.00 123
2021-06-01 $244,631 (-1.4%) $359,692 (14.9%) 0.00 160
2021-07-01 $234,900 (-4.5%) $345,208 (8.2%) 0.00 174
2021-08-01 $217,400 (-12.0%) $320,409 (-4.3%) 0.00 186
2021-09-01 $212,175 (-9.7%) $322,635 (4.7%) 0.00 167
2021-10-01 $210,000 (-4.5%) $320,499 (10.7%) 0.00 165
2021-11-01 $200,000 (-9.1%) $333,878 (15.7%) 0.00 157
2021-12-01 $226,200 (-2.2%) $339,912 (13.2%) 0.00 143
2022-01-01 $234,900 (1.6%) $370,299 (15.5%) 0.00 111
2022-02-01 $244,675 (3.2%) $381,895 (11.8%) 0.00 116
2022-03-01 $241,750 (-1.7%) $361,943 (5.4%) 0.00 140
2022-04-01 $249,000 (3.6%) $353,759 (3.9%) 0.00 143
2022-05-01 $249,614 (0.1%) $338,910 (-8.7%) 0.00 170
2022-06-01 $250,000 (2.2%) $375,209 (4.3%) 0.00 171
2022-07-01 $257,900 (9.8%) $366,800 (6.3%) 0.00 196
2022-08-01 $249,950 (15.0%) $364,712 (13.8%) 0.00 192
2022-09-01 $259,000 (22.1%) $370,399 (14.8%) 0.00 190
2022-10-01 $242,500 (15.5%) $339,171 (5.8%) 0.00 211
ROME's median listing price for 2022-10-01 was $242,500, a difference of $32,500 (15.5%) versus the prior year and $-16,500 versus the prior month.

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

ROME's average listing price for 2022-10-01 was $339,171, a difference of $18,672 (5.8%) versus the prior year and $-31,228 versus the prior month.

For the 2022-10-01 period, ROME had 211 MLS listings, a difference of 21 listings (11%) versus the prior month and 46 listings (28%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - ROME (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,007 sqft
2018-02-01 0 days 1,830 sqft
2018-03-01 0 days 1,840 sqft
2018-04-01 0 days 1,885 sqft
2018-05-01 0 days 1,898 sqft
2018-06-01 0 days 1,915 sqft
2018-07-01 0 days 1,835 sqft
2018-08-01 0 days 1,789 sqft
2018-09-01 0 days 1,806 sqft
2018-10-01 0 days 1,833 sqft
2018-11-01 0 days 1,845 sqft
2018-12-01 0 days 1,851 sqft
2019-01-01 0 days 1,870 sqft
2019-02-01 0 days 1,836 sqft
2019-03-01 0 days 1,878 sqft
2019-04-01 0 days 1,891 sqft
2019-05-01 0 days 1,999 sqft
2019-06-01 0 days 2,140 sqft
2019-07-01 0 days 2,095 sqft
2019-08-01 0 days 2,051 sqft
2019-09-01 0 days 2,022 sqft
2019-10-01 0 days 2,008 sqft
2019-11-01 0 days 2,033 sqft
2019-12-01 0 days 1,990 sqft
2020-01-01 0 days 2,013 sqft
2020-02-01 0 days 2,030 sqft
2020-03-01 0 days 2,000 sqft
2020-04-01 0 days 2,006 sqft
2020-05-01 0 days 2,200 sqft
2020-06-01 0 days 2,249 sqft
2020-07-01 0 days 2,135 sqft
2020-08-01 0 days 2,088 sqft
2020-09-01 0 days 1,937 sqft
2020-10-01 0 days 1,846 sqft
2020-11-01 0 days 1,855 sqft
2020-12-01 0 days 1,858 sqft
2021-01-01 0 days 1,848 sqft
2021-02-01 0 days 1,875 sqft
2021-03-01 0 days 1,926 sqft
2021-04-01 0 days 1,944 sqft
2021-05-01 0 days 2,034 sqft
2021-06-01 0 days 1,896 sqft
2021-07-01 0 days 1,944 sqft
2021-08-01 0 days 1,749 sqft
2021-09-01 0 days 1,682 sqft
2021-10-01 0 days 1,671 sqft
2021-11-01 0 days 1,567 sqft
2021-12-01 0 days 1,627 sqft
2022-01-01 0 days 1,627 sqft
2022-02-01 0 days 1,731 sqft
2022-03-01 0 days 1,625 sqft
2022-04-01 0 days 1,742 sqft
2022-05-01 0 days 1,688 sqft
2022-06-01 0 days 1,854 sqft
2022-07-01 0 days 1,748 sqft
2022-08-01 0 days 1,718 sqft
2022-09-01 0 days 1,714 sqft
2022-10-01 0 days 1,700 sqft
ROME's median listing age (time on market) for 2022-10-01 was 0 days.

ROME's median square footage for active listings during the 2022-10-01 period was 1,700 sqft. One year prior, the average listing was 1,671 sqft.

ROME, GA Average Rent (2022)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
30103 Rome, GA $810 $830 $950 $1,180 $1,440
30104 Rome, GA $710 $710 $920 $1,220 $1,420
30105 Rome, GA $640 $650 $800 $1,060 $1,270
30124 Rome, GA $640 $640 $840 $1,120 $1,300
30125 Rome, GA $610 $620 $810 $1,080 $1,250
30129 Rome, GA $650 $660 $860 $1,150 $1,330
30145 Rome, GA $910 $930 $1,090 $1,370 $1,650
30147 Rome, GA $630 $630 $830 $1,110 $1,280
30149 Rome, GA $670 $670 $880 $1,180 $1,360
30161 Rome, GA $610 $620 $810 $1,080 $1,250
30162 Rome, GA $650 $660 $860 $1,150 $1,330
30164 Rome, GA $650 $660 $860 $1,150 $1,330
30165 Rome, GA $670 $670 $880 $1,180 $1,360
30172 Rome, GA $650 $660 $860 $1,150 $1,330
30173 Rome, GA $620 $620 $820 $1,100 $1,270
30701 Rome, GA $580 $580 $760 $1,020 $1,170
30733 Rome, GA $760 $770 $1,010 $1,350 $1,560
30747 Rome, GA $570 $590 $700 $930 $1,110

2022 Average & Median Rent Data Statistics
ROME, GA average 1BR rent: $676, median: $660
ROME, GA average 2BR rent: $863, median: $860
ROME, GA average 3BR rent: $1,143, median: $1,150

ROME, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,375 $278,225,000 $202,345
Refi 908 $198,370,000 $218,469
Cash Out Refi 645 $116,835,000 $181,140
Home Improvement 124 $18,690,000 $150,726
Other 78 $7,090,000 $90,897

Rome's most frequently cited loan purpose was Home Purchase, with 1,375 originations. The 2nd most popular reason was Refi, with 908 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,202 $229,160,000 $190,649
2.5-3% 1,164 $265,350,000 $227,964
<2.5% 454 $89,520,000 $197,181
4-5% 114 $14,640,000 $128,421
Over 8% 93 $7,735,000 $83,172
5-6% 13 $945,000 $72,692
6-7% 11 $1,335,000 $121,364
7-8% 9 $665,000 $73,889

During 2021, Rome's most frequently originated rate bucket was 3-4%, with 1,202 originations.

Loan Sizing (ROME, GA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,484 $217,100,000 $146,294
$200k-400k 911 $241,095,000 $264,649
$100,000 or less 587 $38,805,000 $66,107
$400k-600k 124 $58,570,000 $472,339
$600k-1000k 13 $8,925,000 $686,538
$Over $1MM 11 $54,715,000 $4,974,091

ROME's loan sizing saw the bucket of loans from $100k-200k with 1,484 originations, totaling $217,100,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,249 $271,585,000 $217,442
60-80% 993 $209,345,000 $210,821
40-60% 413 $62,975,000 $152,482
20-40% 176 $20,620,000 $117,159
Under 20% 114 $4,130,000 $36,228
Over 100% 26 $16,050,000 $617,308

ROME's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,249 originations, totaling $271,585,000 in origination value.