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 6.63% 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 6.45% and one month ago for the week of 2023-04-20, the average rate was 6.05%.

Rome's average rate one year ago was 5.11%.

For refis of the same type during the week of 2023-05-25, the average rate was 5.78%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-05-25 6.57%
Rome 30 Year Fixed Rate 2023-05-25 6.63%
Rome 30 Year Fixed Rate Refi 2023-05-25 5.78%
Rome 15 Year Fixed Rate 2023-05-25 5.97%
Rome 15 Year Fixed Rate Refi 2023-05-25 5.97%
Rome 30 Year FHA 2023-05-25 6.12%
Rome 30 Year FHA Refi 2023-05-25 6.41%
Rome 30 Year USDA 2023-05-25 6.83%
Rome 30 Year USDA Refi 2023-05-25 6.63%
Rome 30 Year VA 2023-05-25 6.17%
Rome 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 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
QUICKEN LOANS, LLC 79 5.03% $5,639
HOMESTAR FINANCIAL CORPORATION 66 5.35% $4,850
FirstBank 58 5.31% $6,476
South State Bank 53 4.68% $5,942
United Community Bank 43 4.76% $4,343
Synovus Bank 38 5.14% $5,471
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 35 5.40% $5,027
Wells Fargo Bank 30 4.70% $3,681
SWBC MORTGAGE CORPORATION 25 4.33% $3,791
UNITED WHOLESALE MORTGAGE, LLC 22 5.07% $5,534
EVERETT FINANCIAL, INC. 18 5.29% $2,664
Truist 16 4.55% $3,973
THE MORTGAGE FIRM, INC. 16 5.53% $5,838
Ameris Bank 16 5.55% $7,546
PENNYMAC LOAN SERVICES, LLC 14 4.78% $5,423
FIRST COMMUNITY MORTGAGE, INC. 14 5.56% $4,531
Regions Bank 13 4.46% $4,778
CERTAINTY HOME LOANS, LLC 11 4.86% $5,529
MEMBER FIRST MORTGAGE, LLC 11 4.92% $4,538
MOVEMENT MORTGAGE, LLC 10 5.72% $5,627
VANDERBILT MORTGAGE AND FINANCE, INC. 9 5.92% $4,906
JPMorgan Chase Bank 9 4.54% $3,058
HOME POINT FINANCIAL CORPORATION 9 5.36% $7,027
BANKSOUTH MORTGAGE COMPANY, LLC 8 5.30% $6,471
DIRECT LENDERS, LLC 7 5.25% $2,788
Prosperity Home Mortgage, LLC 7 5.11% $5,278
LOANDEPOT.COM, LLC 7 4.52% $5,091
Renasant Bank 6 5.13% $5,839
CARDINAL FINANCIAL 6 4.31% $7,150
FREEDOM MORTGAGE CORPORATION 5 4.93% $5,233
Bank of America 5 4.30% $5,332
STOCKTON MORTGAGE CORPORATION 5 5.78% $6,185
BETTER MORTGAGE CORPORATION 5 3.98% $4,042
SOUTHEAST MORTGAGE OF GEORGIA, INC. 5 5.13% $5,733
Mr. Cooper ( Nationstar Mortgage ) 5 5.24% $5,607
AMERISAVE MORTGAGE CORPORATION 5 4.32% $6,359
NAVY FEDERAL CREDIT UNION 4 4.97% $5,669
ATLANTA POSTAL 4 3.47% $3,541
LAKEVIEW LOAN SERVICING, LLC 4 4.00% $2,695
Discover Bank 4 5.49% $0
SHELTER HOME MORTGAGE, LLC 3 5.13% $4,212
CALIBER HOME LOANS, INC. 3 5.46% $5,014
BROKER SOLUTIONS, INC. 3 6.16% $9,145
HOMESIDE FINANCIAL, LLC 3 3.91% $4,862
Mortgage Research Center, LLC 3 5.38% $6,747
GUILD MORTGAGE COMPANY 3 4.00% $5,188
CROSSCOUNTRY MORTGAGE, LLC 3 5.04% $6,012
DIRECT MORTGAGE LOANS, LLC 3 3.83% $6,131
CHURCHILL MORTGAGE CORPORATION 3 5.83% $5,844
NexBank 3 4.50% $4,994
Carrington Mortgage Services, LLC 3 4.54% $5,079
Alcova Mortgage LLC 2 5.63% $1,961
Ally Bank 2 3.94% $4,537
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 6.00% $4,747
BAY EQUITY LLC 2 5.81% $9,286
DELTA COMMUNITY CREDIT UNION 2 4.13% $4,412
First Option Mortgage, LLC 2 6.13% $5,463
Flagstar Bank, FSB 2 3.24% $3,627
GEORGIA UNITED 2 5.75% $4,182
GUARANTEED RATE AFFINITY, LLC 2 3.25% $1,432
GUARANTEED RATE, INC. 2 6.06% $6,793
Mortgage Assurance Inc. 2 5.56% $3,823
NEWREZ LLC 2 4.93% $3,940
PNC Bank 2 3.81% $5,093
TJC Mortgage, Inc. 2 4.13% $3,346
First National Bank of Pennsylvania 1 4.00% $5,220
Metro City Bank 1 4.38% $8,859
Midwest Community Bank 1 3.49% $4,196
MILEND, INC. 1 3.63% $4,787
Morgan Stanley Private Bank 1 5.35% $3,951
MORIA DEVELOPMENT, INC. 1 5.38% $8,198
AMERICAN INTERNET MORTGAGE, INC. 1 3.75% $14,696
First Horizon Bank 1 4.25% $7,212
First Guaranty Mortgage Corporation 1 3.50% $4,188
First American Bank and Trust Company 1 5.50% $3,779
MUTUAL OF OMAHA MORTGAGE, INC. 1 5.13% $5,701
Fifth Third Bank 1 3.63% $7,100
NBKC BANK 1 5.00% $7,667
AMERICAN FINANCING CORPORATION 1 3.63% $2,707
EMM LOANS LLC 1 3.25% $10,918
North American Savings Bank, F.S.B. 1 4.88% $2,602
Paramount Bank 1 5.38% $3,393
Patriot Bank 1 4.75% $7,666
East Coast Capital Corp. 1 6.13% $6,748
Wilson Bank And Trust 1 3.75% $12,387
PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.13% $6,174
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.63% $7,705
DELMAR FINANCIAL COMPANY 1 6.00% $7,606
COMMUNITYAMERICA 1 4.88% $3,616
Raymond James Bank 1 3.88% $7,814
Colony Bank 1 6.50% $3,209
Capitol Federal Savings Bank 1 6.38% $5,442
RESIDENTIAL BANCORP. 1 5.25% $6,889
RUOFF MORTGAGE COMPANY, INC. 1 4.00% $2,575
Capital City Home Loans, LLC 1 4.63% $4,902
CANOPY MORTGAGE, LLC 1 7.75% $5,902
SOUTHPOINT FINANCIAL SERVICES, INC. 1 4.13% $3,370
CALCON MUTUAL MORTGAGE LLC 1 7.04% $3,476
BANK OF LITTLE ROCK MORTGAGE CORPORATION 1 3.63% $6,108
SUMMIT FUNDING, INC. 1 5.63% $5,395
Bank of England 1 6.00% $8,745
BancorpSouth Bank 1 5.50% $4,108
TENNESSEE VALLEY 1 4.25% $3,373
The Federal Savings Bank 1 4.50% $7,594
Atlantic Union Bank 1 6.50% $6,784
ZILLOW HOME LOANS, LLC 1 3.38% $9,884
TOGETHER CREDIT UNION 1 3.88% $2,912
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 5.63% $4,651
Associated Credit Union 1 5.00% $3,293
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.50% $14,295
USAA Federal Savings Bank 1 5.25% $3,598
U.S. Bank 1 5.38% $5,030
US MORTGAGE CORPORATION 1 3.63% $3,383
ISERVE RESIDENTIAL LENDING, LLC 1 4.00% $6,345
GUARANTY HOME MORTGAGE CORPORATION 1 6.50% $7,485
Goldwater Bank, N.A. 1 7.25% $6,533
LOCAL GOVERNMENT FEDERAL CREDIT UNION 1 4.95% $5,500

ROME Average Closing Costs & Other Stats

ROME, GA's 117 lenders originated 2,103 loans during 2022. The total origination value was $429,145,000, with an average loan value of $204,063.

ROME's average closing costs are $4,942.

The top ROME lender as defined by loan originations is QUICKEN LOANS, LLC, with 79 loans originated. Their average total fees are $5,639, which is $789 higher than the next largest lender, HOMESTAR FINANCIAL CORPORATION.

The lowest fee ROME lenders (with over 10 loans originated) are EVERETT FINANCIAL, INC. ($2,664), Wells Fargo Bank ($3,681), SWBC MORTGAGE CORPORATION ($3,791), Truist ($3,973) and United Community Bank ($4,343).

The lowest rate ROME lenders (with over 10 loans originated) are SWBC MORTGAGE CORPORATION (4.33%), Regions Bank (4.46%), Truist (4.55%), South State Bank (4.68%) and Wells Fargo Bank (4.70%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
HOMESTAR FINANCIAL CORPORATION $43,525,000 $34,620,000 -20.5% 8.1%
United Community Bank $38,820,000 $31,130,000 -19.8% 7.3%
QUICKEN LOANS, LLC $66,825,000 $28,140,000 -57.9% 6.6%
FirstBank $37,895,000 $23,040,000 -39.2% 5.4%
LIMA ONE CAPITAL, LLC $255,000 $22,800,000 8,841.2% 5.3%
South State Bank $42,265,000 $21,065,000 -50.2% 4.9%
Synovus Bank $23,705,000 $16,350,000 -31.0% 3.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $21,665,000 $14,825,000 -31.6% 3.5%
Truist $17,615,000 $11,430,000 -35.1% 2.7%
UNITED WHOLESALE MORTGAGE, LLC $7,510,000 $11,200,000 49.1% 2.6%
Wells Fargo Bank $14,770,000 $8,545,000 -42.1% 2.0%
Regions Bank $14,425,000 $8,380,000 -41.9% 2.0%
SWBC MORTGAGE CORPORATION $7,645,000 $7,965,000 4.2% 1.9%
THE MORTGAGE FIRM, INC. $9,170,000 $7,330,000 -20.1% 1.7%
Ameris Bank $8,510,000 $7,290,000 -14.3% 1.7%
Mortgage Research Center, LLC $6,780,000 $6,945,000 2.4% 1.6%
EVERETT FINANCIAL, INC. $1,345,000 $6,485,000 382.2% 1.5%
PENNYMAC LOAN SERVICES, LLC $10,415,000 $5,715,000 -45.1% 1.3%
BANKSOUTH MORTGAGE COMPANY, LLC $2,035,000 $5,680,000 179.1% 1.3%
CERTAINTY HOME LOANS, LLC $5,410,000 $5,385,000 -0.5% 1.3%
Mr. Cooper ( Nationstar Mortgage ) $7,600,000 $4,540,000 -40.3% 1.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,505,000 $4,400,000 75.6% 1.0%
FIRST COMMUNITY MORTGAGE, INC. $7,530,000 $4,245,000 -43.6% 1.0%
MOVEMENT MORTGAGE, LLC $1,805,000 $4,095,000 126.9% 1.0%
MEMBER FIRST MORTGAGE, LLC $4,585,000 $3,905,000 -14.8% 0.9%
HOME POINT FINANCIAL CORPORATION $5,440,000 $3,860,000 -29.0% 0.9%
STOCKTON MORTGAGE CORPORATION $1,565,000 $3,840,000 145.4% 0.9%
FREEDOM MORTGAGE CORPORATION $11,680,000 $3,400,000 -70.9% 0.8%
AMERISAVE MORTGAGE CORPORATION $5,215,000 $3,310,000 -36.5% 0.8%
DIRECT LENDERS, LLC $1,670,000 $3,235,000 93.7% 0.8%
Renasant Bank $1,700,000 $3,145,000 85.0% 0.7%
LOANDEPOT.COM, LLC $6,715,000 $3,140,000 -53.2% 0.7%
Coosa Valley Credit Union $7,110,000 $3,075,000 -56.8% 0.7%
BROKER SOLUTIONS, INC. $3,545,000 $3,030,000 -14.5% 0.7%
Flagstar Bank, FSB $1,850,000 $3,000,000 62.2% 0.7%
JPMorgan Chase Bank $3,475,000 $2,960,000 -14.8% 0.7%
Bank of America $3,035,000 $2,535,000 -16.5% 0.6%
LENDINGONE, LLC $220,000 $2,110,000 859.1% 0.5%
Prosperity Home Mortgage, LLC $2,100,000 $2,060,000 -1.9% 0.5%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $3,850,000 $2,035,000 -47.1% 0.5%
Carrington Mortgage Services, LLC $1,995,000 $1,910,000 -4.3% 0.4%
BETTER MORTGAGE CORPORATION $5,205,000 $1,885,000 -63.8% 0.4%
NAVY FEDERAL CREDIT UNION $1,970,000 $1,835,000 -6.9% 0.4%
The Federal Savings Bank $590,000 $1,605,000 172.0% 0.4%
GUARANTEED RATE AFFINITY, LLC $440,000 $1,475,000 235.2% 0.3%
COREVEST AMERICAN FINANCE LENDER LLC $1,395,000 n/a 0.3%
Raymond James Bank $1,305,000 n/a 0.3%
NEW DAY FINANCIAL, LLC $1,950,000 $1,280,000 -34.4% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $210,000 $1,220,000 481.0% 0.3%
FAMILY SAVINGS $905,000 $1,205,000 33.1% 0.3%
First Horizon Bank $505,000 $1,205,000 138.6% 0.3%
LAKEVIEW LOAN SERVICING, LLC $2,885,000 $1,195,000 -58.6% 0.3%
ATLANTA POSTAL $1,595,000 $1,170,000 -26.6% 0.3%
CIVIC FINANCIAL SERVICES, LLC $105,000 $1,165,000 1,009.5% 0.3%
Discover Bank $215,000 $1,165,000 441.9% 0.3%
PNC Bank $550,000 $1,155,000 110.0% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $465,000 $1,110,000 138.7% 0.3%
ACOPIA, LLC $960,000 $1,100,000 14.6% 0.3%
GUILD MORTGAGE COMPANY $2,230,000 $1,100,000 -50.7% 0.3%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $1,395,000 $1,100,000 -21.1% 0.3%
SOUTHWEST STAGE FUNDING, LLC $155,000 $1,025,000 561.3% 0.2%
Ally Bank $920,000 $1,000,000 8.7% 0.2%
NEWREZ LLC $1,920,000 $985,000 -48.7% 0.2%
USAA Federal Savings Bank $685,000 $980,000 43.1% 0.2%
Colony Bank $4,425,000 $950,000 -78.5% 0.2%
GENEVA FINANCIAL, LLC $175,000 $930,000 431.4% 0.2%
HOMESIDE FINANCIAL, LLC $115,000 $930,000 708.7% 0.2%
CALIBER HOME LOANS, INC. $2,750,000 $920,000 -66.5% 0.2%
NexBank $845,000 n/a 0.2%
DIRECT MORTGAGE LOANS, LLC $345,000 $825,000 139.1% 0.2%
AMERICAN INTERNET MORTGAGE, INC. $580,000 $810,000 39.7% 0.2%
TJC Mortgage, Inc. $1,190,000 $790,000 -33.6% 0.2%
PENTAGON FEDERAL CREDIT UNION $515,000 $785,000 52.4% 0.2%
Wilson Bank And Trust $765,000 n/a 0.2%
GUARANTEED RATE, INC. $970,000 $755,000 -22.2% 0.2%
GEORGIA UNITED $170,000 $745,000 338.2% 0.2%
FINANCE OF AMERICA MORTGAGE LLC $725,000 n/a 0.2%
21ST MORTGAGE CORPORATION $615,000 $720,000 17.1% 0.2%
LENDINGHOME FUNDING CORPORATION $290,000 $710,000 144.8% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,010,000 $700,000 -30.7% 0.2%
Paramount Residential Mortgage Group, Inc. $1,370,000 $670,000 -51.1% 0.2%
MILEND, INC. $1,760,000 $665,000 -62.2% 0.2%
Citizens Bank & Trust, Inc. $655,000 n/a 0.2%
DAS Acquisition Company, LLC $355,000 $645,000 81.7% 0.2%
PLANET HOME LENDING, LLC $530,000 $645,000 21.7% 0.2%
VILLAGE CAPITAL MORTGAGE $1,405,000 $625,000 -55.5% 0.1%
First Bank $355,000 $610,000 71.8% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,050,000 $605,000 -42.4% 0.1%
Patriot Bank $605,000 n/a 0.1%
U.S. Bank $635,000 $590,000 -7.1% 0.1%
First American Bank and Trust Company $265,000 $580,000 118.9% 0.1%
Capitol Federal Savings Bank $555,000 n/a 0.1%
BAY EQUITY LLC $1,045,000 $550,000 -47.4% 0.1%
DELTA COMMUNITY CREDIT UNION $945,000 $550,000 -41.8% 0.1%
Figure Lending LLC $170,000 $545,000 220.6% 0.1%
SPRING EQ, LLC $90,000 $525,000 483.3% 0.1%
SOUTHPOINT FINANCIAL SERVICES, INC. $1,115,000 $520,000 -53.4% 0.1%
Morgan Stanley Private Bank $515,000 n/a 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $715,000 $505,000 -29.4% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $205,000 $495,000 141.5% 0.1%
First Option Mortgage, LLC $370,000 $495,000 33.8% 0.1%
Metro City Bank $185,000 $495,000 167.6% 0.1%
SHELTER HOME MORTGAGE, LLC $675,000 $485,000 -28.1% 0.1%
TRIAD FINANCIAL SERVICES, INC. $425,000 $470,000 10.6% 0.1%
Bank of England $865,000 $455,000 -47.4% 0.1%
HOMESPIRE MORTGAGE CORPORATION $450,000 n/a 0.1%
Mortgage Assurance Inc. $2,035,000 $420,000 -79.4% 0.1%
NBKC BANK $295,000 $405,000 37.3% 0.1%
Sunflower Bank $355,000 $405,000 14.1% 0.1%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $385,000 n/a 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $385,000 n/a 0.1%
First Guaranty Mortgage Corporation $1,470,000 $375,000 -74.5% 0.1%
US MORTGAGE CORPORATION $285,000 $370,000 29.8% 0.1%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $1,220,000 $355,000 -70.9% 0.1%
The Union Bank Company $355,000 n/a 0.1%
AMERICAN ADVISORS GROUP $355,000 $345,000 -2.8% 0.1%
Capital City Home Loans, LLC $1,275,000 $345,000 -72.9% 0.1%
Barrington Bank & Trust Company, N.A. $655,000 $340,000 -48.1% 0.1%
Baxter Credit Union $155,000 $340,000 119.4% 0.1%
Alcova Mortgage LLC $380,000 $320,000 -15.8% 0.1%
ANGEL OAK HOME LOANS LLC $625,000 $320,000 -48.8% 0.1%
Fifth Third Bank $815,000 $305,000 -62.6% 0.1%
Sierra Pacific Mortgage Company, Inc. $305,000 n/a 0.1%
ALLIANT CREDIT UNION $300,000 n/a 0.1%
SUMMIT FUNDING, INC. $275,000 $290,000 5.5% 0.1%
NATIONS DIRECT MORTGAGE, LLC $285,000 n/a 0.1%
Atlantic Union Bank $275,000 n/a 0.1%
DELMAR FINANCIAL COMPANY $275,000 n/a 0.1%
Shamrock Home Loans, Inc. $175,000 $275,000 57.1% 0.1%
AMERICAN FINANCING CORPORATION $370,000 $270,000 -27.0% 0.1%
OAKTREE FUNDING CORP. $270,000 n/a 0.1%
North American Savings Bank, F.S.B. $265,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $320,000 $260,000 -18.8% 0.1%
BancorpSouth Bank $255,000 n/a 0.1%
CRESCENT MORTGAGE COMPANY $895,000 $255,000 -71.5% 0.1%
MID AMERICA MORTGAGE, INC. $115,000 $255,000 121.7% 0.1%
Plains Commerce Bank $255,000 n/a 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $250,000 n/a 0.1%
Northpointe Bank $245,000 n/a 0.1%
PANORAMA MORTGAGE GROUP, LLC $165,000 $245,000 48.5% 0.1%
VAN DYK MORTGAGE CORPORATION $245,000 n/a 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $185,000 $240,000 29.7% 0.1%
LOANFLIGHT LENDING, LLC $235,000 n/a 0.1%
MILLENNIUM BANK $235,000 n/a 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $235,000 n/a 0.1%
ATHAS CAPITAL GROUP, INC. $230,000 n/a 0.1%
ISERVE RESIDENTIAL LENDING, LLC $1,205,000 $225,000 -81.3% 0.1%
LOANPAL, LLC $115,000 $220,000 91.3% 0.1%
First National Bank of Pennsylvania $215,000 n/a 0.1%
Goldwater Bank, N.A. $215,000 n/a 0.1%
Midwest Community Bank $215,000 n/a 0.1%
NATIONS RELIABLE LENDING, LLC $215,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $1,355,000 $215,000 -84.1% 0.1%
EMM LOANS LLC $145,000 $205,000 41.4% 0.0%
INTERLINC MORTGAGE SERVICES, LLC $105,000 $205,000 95.2% 0.0%
CLEARPATH LENDING $245,000 $195,000 -20.4% 0.0%
OPEN MORTGAGE, LLC $165,000 $195,000 18.2% 0.0%
Paramount Bank $235,000 $195,000 -17.0% 0.0%
GUARANTY HOME MORTGAGE CORPORATION $145,000 $185,000 27.6% 0.0%
LOANLEADERS OF AMERICA, INC. $185,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $210,000 $185,000 -11.9% 0.0%
TOWER $185,000 n/a 0.0%
Evolve Bank & Trust $175,000 n/a 0.0%
Mid-Continent Funding, Inc. $265,000 $175,000 -34.0% 0.0%
MORIA DEVELOPMENT, INC. $175,000 n/a 0.0%
Waterstone Mortgage Corporation $175,000 n/a 0.0%
BANK OF LITTLE ROCK MORTGAGE CORPORATION $165,000 n/a 0.0%
BELEM SERVICING LLC $215,000 $165,000 -23.3% 0.0%
COMMUNITYAMERICA $165,000 n/a 0.0%
COUNTRYPLACE MORTGAGE, LTD. $145,000 $165,000 13.8% 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $625,000 $165,000 -73.6% 0.0%
CANOPY MORTGAGE, LLC $155,000 n/a 0.0%
CREDIT UNION FINANCIAL SERVICES, LLC $185,000 $155,000 -16.2% 0.0%
DOMINION FINANCIAL SERVICES, LLC $155,000 n/a 0.0%
RELIANCE FIRST CAPITAL, LLC $155,000 n/a 0.0%
RESIDENTIAL BANCORP. $155,000 n/a 0.0%
UNION HOME MORTGAGE CORP. $395,000 $155,000 -60.8% 0.0%
East Coast Capital Corp. $145,000 n/a 0.0%
CREDIT UNION OF GEORGIA $140,000 n/a 0.0%
TOGETHER CREDIT UNION $360,000 $140,000 -61.1% 0.0%
AMWEST FUNDING CORP. $155,000 $135,000 -12.9% 0.0%
Nations Lending Corporation $370,000 $135,000 -63.5% 0.0%
TENNESSEE VALLEY $135,000 n/a 0.0%
Associated Credit Union $125,000 n/a 0.0%
Hometown Equity Mortgage, LLC $125,000 $125,000 0.0% 0.0%
MUTUAL OF OMAHA MORTGAGE, INC. $1,290,000 $125,000 -90.3% 0.0%
PHH Mortgage Corporation $325,000 $115,000 -64.6% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $105,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $105,000 n/a 0.0%
Truliant Federal Credit Union $95,000 n/a 0.0%
State Department Federal Credit Union $85,000 n/a 0.0%
GEORGIA'S OWN $75,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $125,000 $75,000 -40.0% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $590,000 $55,000 -90.7% 0.0%
CALCON MUTUAL MORTGAGE LLC $55,000 n/a 0.0%
Citizens Bank $255,000 $55,000 -78.4% 0.0%
ITHINK FINANCIAL Credit Union $55,000 n/a 0.0%
MidFirst Bank $55,000 n/a 0.0%
1st Franklin Financial Corporation $25,000 n/a 0.0%

ROME's top lender by overall market share is HOMESTAR FINANCIAL CORPORATION, with 8.1% market share. In second place, with 7.3%, is United Community Bank, having originated $31,130,000 in loans. In third place, with 6.6%, is QUICKEN LOANS, LLC, having originated $28,140,000 in loans. In fourth place, with 5.4%, is FirstBank, having originated $23,040,000 in loans. In fifth place, with 5.3%, is LIMA ONE CAPITAL, LLC, having originated $22,800,000 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 $169,900 (-2.9%) $271,007 (15.9%) 0.00 400
2019-04-01 $172,350 (-4.2%) $276,656 (11.1%) 0.00 408
2019-05-01 $187,425 (-1.1%) $290,686 (11.6%) 0.00 414
2019-06-01 $189,900 (-4.6%) $275,990 (2.9%) 0.00 430
2019-07-01 $195,279 (1.5%) $277,209 (4.8%) 0.00 443
2019-08-01 $209,900 (18.3%) $280,067 (9.6%) 0.00 419
2019-09-01 $217,400 (24.3%) $284,156 (7.6%) 0.00 400
2019-10-01 $217,400 (36.2%) $286,636 (18.7%) 0.00 382
2019-11-01 $219,900 (34.3%) $290,946 (19.3%) 0.00 344
2019-12-01 $219,900 (37.5%) $287,387 (16.9%) 0.00 348
2020-01-01 $219,675 (39.7%) $283,184 (14.3%) 0.00 308
2020-02-01 $232,500 (36.9%) $289,491 (5.4%) 0.00 317
2020-03-01 $230,750 (35.8%) $284,290 (4.9%) 0.00 307
2020-04-01 $222,200 (28.9%) $288,409 (4.3%) 0.00 307
2020-05-01 $239,900 (28.0%) $307,120 (5.7%) 0.00 286
2020-06-01 $248,200 (30.7%) $312,405 (13.2%) 0.00 254
2020-07-01 $245,925 (25.9%) $318,620 (14.9%) 0.00 228
2020-08-01 $246,950 (17.7%) $334,284 (19.4%) 0.00 219
2020-09-01 $234,950 (8.1%) $307,416 (8.2%) 0.00 221
2020-10-01 $219,950 (1.2%) $288,505 (0.7%) 0.00 218
2020-11-01 $220,000 (0.1%) $287,644 (-1.1%) 0.00 207
2020-12-01 $231,200 (5.1%) $299,369 (4.2%) 0.00 194
2021-01-01 $231,200 (5.3%) $319,735 (12.9%) 0.00 162
2021-02-01 $237,000 (1.9%) $341,119 (17.8%) 0.00 148
2021-03-01 $245,875 (6.6%) $342,749 (20.6%) 0.00 133
2021-04-01 $240,425 (8.2%) $339,622 (17.8%) 0.00 119
2021-05-01 $249,450 (4.0%) $370,879 (20.8%) 0.00 121
2021-06-01 $244,631 (-1.4%) $359,343 (15.0%) 0.00 158
2021-07-01 $234,900 (-4.5%) $344,706 (8.2%) 0.00 172
2021-08-01 $217,400 (-12.0%) $319,712 (-4.4%) 0.00 184
2021-09-01 $212,175 (-9.7%) $321,896 (4.7%) 0.00 165
2021-10-01 $210,000 (-4.5%) $319,739 (10.8%) 0.00 163
2021-11-01 $200,000 (-9.1%) $333,201 (15.8%) 0.00 155
2021-12-01 $226,200 (-2.2%) $339,259 (13.3%) 0.00 141
2022-01-01 $234,900 (1.6%) $369,939 (15.7%) 0.00 109
2022-02-01 $244,675 (3.2%) $381,733 (11.9%) 0.00 114
2022-03-01 $241,750 (-1.7%) $361,541 (5.5%) 0.00 138
2022-04-01 $249,000 (3.6%) $353,260 (4.0%) 0.00 141
2022-05-01 $249,614 (0.1%) $338,345 (-8.8%) 0.00 168
2022-06-01 $250,000 (2.2%) $375,022 (4.4%) 0.00 169
2022-07-01 $257,900 (9.8%) $366,534 (6.3%) 0.00 194
2022-08-01 $249,950 (15.0%) $364,442 (14.0%) 0.00 190
2022-09-01 $259,000 (22.1%) $370,186 (15.0%) 0.00 188
2022-10-01 $242,500 (15.5%) $338,710 (5.9%) 0.00 209
2022-11-01 $238,250 (19.1%) $343,787 (3.2%) 0.00 218
2022-12-01 $240,000 (6.1%) $342,293 (0.9%) 0.00 199
2023-01-01 $242,450 (3.2%) $329,922 (-10.8%) 0.00 194
2023-02-01 $245,750 (0.4%) $320,297 (-16.1%) 0.00 199
2023-03-01 $259,500 (7.3%) $338,718 (-6.3%) 0.00 182
2023-04-01 $264,000 (6.0%) $330,786 (-6.4%) 0.00 171
ROME's median listing price for 2023-04-01 was $264,000, a difference of $15,000 (6.0%) versus the prior year and $4,500 versus the prior month.

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

ROME's average listing price for 2023-04-01 was $330,786, a difference of $-22,474 (-6.4%) versus the prior year and $-7,932 versus the prior month.

For the 2023-04-01 period, ROME had 171 MLS listings, a difference of -11 listings (-6%) versus the prior month and 30 listings (21%) 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 2,005 sqft
2018-02-01 0 days 1,830 sqft
2018-03-01 0 days 1,840 sqft
2018-04-01 0 days 1,881 sqft
2018-05-01 0 days 1,903 sqft
2018-06-01 0 days 1,936 sqft
2018-07-01 0 days 1,857 sqft
2018-08-01 0 days 1,816 sqft
2018-09-01 0 days 1,815 sqft
2018-10-01 0 days 1,859 sqft
2018-11-01 0 days 1,871 sqft
2018-12-01 0 days 1,871 sqft
2019-01-01 0 days 1,871 sqft
2019-02-01 0 days 1,827 sqft
2019-03-01 0 days 1,890 sqft
2019-04-01 0 days 1,972 sqft
2019-05-01 0 days 2,028 sqft
2019-06-01 0 days 2,154 sqft
2019-07-01 0 days 2,093 sqft
2019-08-01 0 days 2,090 sqft
2019-09-01 0 days 2,009 sqft
2019-10-01 0 days 2,002 sqft
2019-11-01 0 days 2,020 sqft
2019-12-01 0 days 1,957 sqft
2020-01-01 0 days 2,002 sqft
2020-02-01 0 days 2,026 sqft
2020-03-01 0 days 1,961 sqft
2020-04-01 0 days 2,006 sqft
2020-05-01 0 days 2,187 sqft
2020-06-01 0 days 2,240 sqft
2020-07-01 0 days 2,172 sqft
2020-08-01 0 days 2,147 sqft
2020-09-01 0 days 1,909 sqft
2020-10-01 0 days 1,833 sqft
2020-11-01 0 days 1,837 sqft
2020-12-01 0 days 1,814 sqft
2021-01-01 0 days 1,848 sqft
2021-02-01 0 days 1,840 sqft
2021-03-01 0 days 1,910 sqft
2021-04-01 0 days 1,875 sqft
2021-05-01 0 days 2,028 sqft
2021-06-01 0 days 1,879 sqft
2021-07-01 0 days 1,868 sqft
2021-08-01 0 days 1,727 sqft
2021-09-01 0 days 1,682 sqft
2021-10-01 0 days 1,670 sqft
2021-11-01 0 days 1,550 sqft
2021-12-01 0 days 1,618 sqft
2022-01-01 0 days 1,647 sqft
2022-02-01 0 days 1,714 sqft
2022-03-01 0 days 1,619 sqft
2022-04-01 0 days 1,745 sqft
2022-05-01 0 days 1,682 sqft
2022-06-01 0 days 1,850 sqft
2022-07-01 0 days 1,741 sqft
2022-08-01 0 days 1,703 sqft
2022-09-01 0 days 1,716 sqft
2022-10-01 0 days 1,695 sqft
2022-11-01 0 days 1,683 sqft
2022-12-01 0 days 1,642 sqft
2023-01-01 0 days 1,609 sqft
2023-02-01 0 days 1,635 sqft
2023-03-01 0 days 1,699 sqft
2023-04-01 0 days 1,686 sqft
ROME's median listing age (time on market) for 2023-04-01 was 0 days.

ROME's median square footage for active listings during the 2023-04-01 period was 1,686 sqft. One year prior, the average listing was 1,745 sqft.

ROME, GA 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.

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 1,232 $295,710,000 $240,024
Cash Out Refi 402 $73,640,000 $183,184
Refi 231 $40,235,000 $174,177
Other 142 $12,560,000 $88,451
Home Improvement 96 $7,000,000 $72,917

Rome's most frequently cited loan purpose was Home Purchase, with 1,232 originations. The 2nd most popular reason was Cash Out Refi, with 402 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 591 $122,025,000 $206,472
4-5% 484 $102,340,000 $211,446
3-4% 430 $85,720,000 $199,349
6-7% 264 $72,430,000 $274,356
7-8% 95 $16,525,000 $173,947
2.5-3% 94 $15,690,000 $166,915
Over 8% 55 $4,705,000 $85,545
<2.5% 44 $4,130,000 $93,864

During 2022, Rome's most frequently originated rate bucket was 5-6%, with 591 originations.

Loan Sizing (ROME, GA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 905 $135,155,000 $149,343
$200k-400k 669 $177,655,000 $265,553
$100,000 or less 404 $24,370,000 $60,322
$400k-600k 89 $42,745,000 $480,281
$600k-1000k 24 $16,770,000 $698,750
$Over $1MM 12 $32,450,000 $2,704,167

ROME's loan sizing saw the bucket of loans from $100k-200k with 905 originations, totaling $135,155,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 951 $219,405,000 $230,710
60-80% 550 $137,680,000 $250,327
40-60% 243 $38,835,000 $159,815
20-40% 157 $14,835,000 $94,490
Under 20% 138 $5,770,000 $41,812
Over 100% 20 $6,660,000 $333,000

ROME's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 951 originations, totaling $219,405,000 in origination value.