ROME Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Rome averaged
6.67%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.1% and
one month ago for the week of 2025-05-15, the
average rate was 7.07%.
Rome's average rate one year ago was 7.21%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.11%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Rome 30 Year Fixed Rate | 2025-06-18 | 6.67% |
| Rome 30 Year Fixed Rate Refi | 2025-06-18 | 7.11% |
| Rome 15 Year Fixed Rate | 2025-06-18 | 6.16% |
| Rome 15 Year Fixed Rate Refi | 2025-06-18 | 6.56% |
| Rome 30 Year FHA | 2025-06-18 | -0.21% |
| Rome 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Rome 30 Year USDA | 2025-06-18 | 0.1% |
| Rome 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Rome 30 Year VA | 2025-06-18 | 0.34% |
| Rome 30 Year VA Refi | 2025-06-18 | 0% |
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.).
ROME Average Closing Costs & Other Stats
ROME, GA's 108 lenders originated 1,844
loans during 2024. The total origination value was $415,440,000, with an average loan value of
$225,293.
ROME's average closing costs are $5,607.
The top ROME lender as defined by loan originations is QUICKEN LOANS, LLC, with
101 loans originated. Their average total fees are
$6,965, which is $1,562
higher than the next largest lender,
United Community Bank.
The lowest fee ROME lenders (with over 10 loans originated) are
Regions Bank ($4,274), MEMBER FIRST MORTGAGE, LLC ($4,937), United Community Bank ($5,403), AMERICAN PACIFIC MORTGAGE CORPORATION ($5,981) and SWBC MORTGAGE CORPORATION ($6,149).
The lowest rate ROME lenders (with over 10 loans originated) are
NJ LENDERS CORP. (6.38%), Renasant Bank (6.38%), MOVEMENT MORTGAGE, LLC (6.40%), SWBC MORTGAGE CORPORATION (6.51%) and QUICKEN LOANS, LLC (6.54%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $19,255,000 | $39,370,000 | 104.5% | 9.5% |
| United Community Bank | $22,025,000 | $20,520,000 | -6.8% | 4.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $12,700,000 | $19,500,000 | 53.5% | 4.7% |
| Farmers Bank & Trust Company | $14,975,000 | n/a | 3.6% | |
| MOVEMENT MORTGAGE, LLC | $5,275,000 | $12,500,000 | 137.0% | 3.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $16,965,000 | $11,420,000 | -32.7% | 2.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $235,000 | $9,830,000 | 4,083.0% | 2.4% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $10,375,000 | $9,340,000 | -10.0% | 2.2% |
| First National Community Bank | $3,910,000 | $8,080,000 | 106.6% | 1.9% |
| LGE COMMUNITY | $75,000 | $7,910,000 | 10,446.7% | 1.9% |
| NJ LENDERS CORP. | $7,875,000 | n/a | 1.9% | |
| PENNYMAC LOAN SERVICES, LLC | $4,180,000 | $7,430,000 | 77.8% | 1.8% |
| River City Bank | $4,840,000 | $7,395,000 | 52.8% | 1.8% |
| Ameris Bank | $13,675,000 | $7,085,000 | -48.2% | 1.7% |
| Mortgage Research Center, LLC | $6,525,000 | $6,730,000 | 3.1% | 1.6% |
| Renasant Bank | $3,830,000 | $6,275,000 | 63.8% | 1.5% |
| Synovus Bank | $20,240,000 | $6,170,000 | -69.5% | 1.5% |
| CANOPY MORTGAGE, LLC | $2,095,000 | $6,165,000 | 194.3% | 1.5% |
| EVERETT FINANCIAL, INC. | $4,660,000 | $6,095,000 | 30.8% | 1.5% |
| Regions Bank | $5,860,000 | $5,600,000 | -4.4% | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $5,045,000 | $5,265,000 | 4.4% | 1.3% |
| SWBC MORTGAGE CORPORATION | $6,620,000 | $5,260,000 | -20.5% | 1.3% |
| Truist | $5,930,000 | $5,240,000 | -11.6% | 1.3% |
| FREEDOM MORTGAGE CORPORATION | $1,675,000 | $5,035,000 | 200.6% | 1.2% |
| FirstBank | $13,830,000 | $4,885,000 | -64.7% | 1.2% |
| NAVY FEDERAL CREDIT UNION | $2,530,000 | $4,660,000 | 84.2% | 1.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $4,245,000 | $4,345,000 | 2.4% | 1.0% |
| DIRECT LENDERS, LLC | $1,360,000 | $3,565,000 | 162.1% | 0.9% |
| GUARANTEED RATE, INC. | $5,175,000 | $3,395,000 | -34.4% | 0.8% |
| Mortgage Assurance Inc. | $1,025,000 | $3,355,000 | 227.3% | 0.8% |
| AMERICAN FINANCIAL RESOURCES, INC. | $205,000 | $3,300,000 | 1,509.8% | 0.8% |
| LOANDEPOT.COM, LLC | $1,075,000 | $3,165,000 | 194.4% | 0.8% |
| Wells Fargo Bank | $1,910,000 | $2,890,000 | 51.3% | 0.7% |
| First Horizon Bank | $590,000 | $2,865,000 | 385.6% | 0.7% |
| UNION HOME MORTGAGE CORP. | $450,000 | $2,700,000 | 500.0% | 0.6% |
| LENDINGHOME FUNDING CORPORATION | $780,000 | $2,695,000 | 245.5% | 0.6% |
| JPMorgan Chase Bank | $1,825,000 | $2,555,000 | 40.0% | 0.6% |
| TOWNE MORTGAGE COMPANY | $2,495,000 | n/a | 0.6% | |
| MEMBER FIRST MORTGAGE, LLC | $3,610,000 | $2,485,000 | -31.2% | 0.6% |
| NVR Mortgage Finance, Inc. | $2,480,000 | n/a | 0.6% | |
| Coosa Valley Credit Union | $2,770,000 | $2,335,000 | -15.7% | 0.6% |
| DOMINION FINANCIAL SERVICES, LLC | $2,840,000 | $2,210,000 | -22.2% | 0.5% |
| FAMILY SAVINGS | $1,070,000 | $2,165,000 | 102.3% | 0.5% |
| BROKER SOLUTIONS, INC. | $1,350,000 | $2,145,000 | 58.9% | 0.5% |
| ZILLOW HOME LOANS, LLC | $370,000 | $1,880,000 | 408.1% | 0.5% |
| NEWREZ LLC | $510,000 | $1,830,000 | 258.8% | 0.4% |
| MILEND, INC. | $1,440,000 | $1,740,000 | 20.8% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,690,000 | $1,675,000 | -37.7% | 0.4% |
| Flagstar Bank, FSB | $1,780,000 | $1,665,000 | -6.5% | 0.4% |
| Equity Prime Mortgage LLC | $855,000 | $1,650,000 | 93.0% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $275,000 | $1,465,000 | 432.7% | 0.4% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $1,275,000 | $1,430,000 | 12.2% | 0.3% |
| PLANET HOME LENDING, LLC | $945,000 | $1,410,000 | 49.2% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $450,000 | $1,380,000 | 206.7% | 0.3% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $665,000 | $1,350,000 | 103.0% | 0.3% |
| CMG MORTGAGE, INC. | $1,315,000 | n/a | 0.3% | |
| US MORTGAGE CORPORATION | $1,305,000 | n/a | 0.3% | |
| Prosperity Home Mortgage, LLC | $1,265,000 | $1,260,000 | -0.4% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $365,000 | $1,250,000 | 242.5% | 0.3% |
| Morgan Stanley Private Bank | $1,200,000 | n/a | 0.3% | |
| Bank OZK | $130,000 | $1,185,000 | 811.5% | 0.3% |
| STOCKTON MORTGAGE CORPORATION | $5,380,000 | $1,185,000 | -78.0% | 0.3% |
| UBS Bank USA | $755,000 | $1,175,000 | 55.6% | 0.3% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $690,000 | $1,150,000 | 66.7% | 0.3% |
| NexBank | $85,000 | $1,145,000 | 1,247.1% | 0.3% |
| Citizens Bank & Trust, Inc. | $155,000 | $1,140,000 | 635.5% | 0.3% |
| LEADERONE FINANCIAL CORPORATION | $215,000 | $1,105,000 | 414.0% | 0.3% |
| AgFirst Farm Credit Bank | $1,095,000 | n/a | 0.3% | |
| Century Mortgage Company DBA Century Lending Company | $665,000 | $1,085,000 | 63.2% | 0.3% |
| Carrington Mortgage Services, LLC | $820,000 | $1,065,000 | 29.9% | 0.3% |
| Figure Lending LLC | $450,000 | $1,050,000 | 133.3% | 0.3% |
| NEW DAY FINANCIAL, LLC | $1,025,000 | $1,050,000 | 2.4% | 0.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $220,000 | $1,045,000 | 375.0% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,320,000 | $1,040,000 | -21.2% | 0.3% |
| South State Bank | $390,000 | $1,035,000 | 165.4% | 0.2% |
| GMFS LLC | $155,000 | $1,000,000 | 545.2% | 0.2% |
| LENDINGONE, LLC | $1,000,000 | $1,000,000 | 0.0% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $450,000 | $920,000 | 104.4% | 0.2% |
| SUMMIT FUNDING, INC. | $520,000 | $920,000 | 76.9% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $125,000 | $915,000 | 632.0% | 0.2% |
| Third Federal Savings and Loan Association of Cleveland | $185,000 | $900,000 | 386.5% | 0.2% |
| Fifth Third Bank | $320,000 | $860,000 | 168.8% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $115,000 | $850,000 | 639.1% | 0.2% |
| NBKC BANK | $830,000 | n/a | 0.2% | |
| PREMIA MORTGAGE, LLC | $825,000 | n/a | 0.2% | |
| ACOPIA, LLC | $455,000 | $815,000 | 79.1% | 0.2% |
| First Option Mortgage, LLC | $260,000 | $815,000 | 213.5% | 0.2% |
| GEORGIA'S OWN | $275,000 | $810,000 | 194.5% | 0.2% |
| USAA Federal Savings Bank | $2,640,000 | $780,000 | -70.5% | 0.2% |
| OAKTREE FUNDING CORP. | $775,000 | n/a | 0.2% | |
| PNC Bank | $1,230,000 | $755,000 | -38.6% | 0.2% |
| EVANSVILLE TEACHERS | $750,000 | n/a | 0.2% | |
| Discover Bank | $770,000 | $720,000 | -6.5% | 0.2% |
| ATLANTA POSTAL | $125,000 | $705,000 | 464.0% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $710,000 | $675,000 | -4.9% | 0.2% |
| MORTGAGE INVESTORS GROUP, INC. | $665,000 | n/a | 0.2% | |
| Trustmark National Bank | $665,000 | n/a | 0.2% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $530,000 | $645,000 | 21.7% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $645,000 | n/a | 0.2% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $530,000 | $645,000 | 21.7% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $445,000 | $640,000 | 43.8% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $135,000 | $625,000 | 363.0% | 0.2% |
| CSL Financial, LLC | $610,000 | n/a | 0.1% | |
| SouthPoint Bank | $600,000 | n/a | 0.1% | |
| LIMA ONE CAPITAL, LLC | $685,000 | $585,000 | -14.6% | 0.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $1,760,000 | $570,000 | -67.6% | 0.1% |
| NP, Inc. | $245,000 | $565,000 | 130.6% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $135,000 | $565,000 | 318.5% | 0.1% |
| Bank of America | $685,000 | $540,000 | -21.2% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $170,000 | $530,000 | 211.8% | 0.1% |
| MICHIGAN MUTUAL, INC. | $520,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $495,000 | n/a | 0.1% | |
| Mid-Continent Funding, Inc. | $490,000 | n/a | 0.1% | |
| First National Bank of America | $945,000 | $485,000 | -48.7% | 0.1% |
| GEORGIA UNITED | $485,000 | n/a | 0.1% | |
| Metro City Bank | $480,000 | n/a | 0.1% | |
| Loan Simple, Inc. | $235,000 | $465,000 | 97.9% | 0.1% |
| First Federal Bank | $430,000 | $460,000 | 7.0% | 0.1% |
| AMWEST FUNDING CORP. | $415,000 | $455,000 | 9.6% | 0.1% |
| Capital City Home Loans, LLC | $1,505,000 | $430,000 | -71.4% | 0.1% |
| AMERICAN FINANCING CORPORATION | $185,000 | $420,000 | 127.0% | 0.1% |
| U.S. Bank | $790,000 | $420,000 | -46.8% | 0.1% |
| ISERVE RESIDENTIAL LENDING, LLC | $855,000 | $415,000 | -51.5% | 0.1% |
| Ally Bank | $465,000 | $405,000 | -12.9% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $495,000 | $405,000 | -18.2% | 0.1% |
| CARDINAL FINANCIAL | $3,135,000 | $400,000 | -87.2% | 0.1% |
| Northpointe Bank | $395,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $270,000 | $385,000 | 42.6% | 0.1% |
| Commerce Home Mortgage, Inc. | $380,000 | n/a | 0.1% | |
| FBC MORTGAGE, LLC | $275,000 | $370,000 | 34.5% | 0.1% |
| AmeriHome Mortgage Company, LLC | $365,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $365,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $215,000 | $355,000 | 65.1% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $780,000 | $350,000 | -55.1% | 0.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $345,000 | n/a | 0.1% | |
| LOANPAL, LLC | $125,000 | $335,000 | 168.0% | 0.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $335,000 | n/a | 0.1% | |
| First Heritage Mortgage, LLC | $390,000 | $325,000 | -16.7% | 0.1% |
| STATE EMPLOYEES' | $15,000 | $325,000 | 2,066.7% | 0.1% |
| Ixonia Bank | $315,000 | n/a | 0.1% | |
| The Bank of LaFayette, Georgia | $315,000 | n/a | 0.1% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $305,000 | n/a | 0.1% | |
| Colony Bank | $810,000 | $305,000 | -62.3% | 0.1% |
| GENEVA FINANCIAL, LLC | $485,000 | $305,000 | -37.1% | 0.1% |
| 21ST MORTGAGE CORPORATION | $375,000 | $290,000 | -22.7% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $265,000 | $290,000 | 9.4% | 0.1% |
| CREDIT UNION FINANCIAL SERVICES, LLC | $380,000 | $285,000 | -25.0% | 0.1% |
| IAA Credit Union | $285,000 | n/a | 0.1% | |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $280,000 | n/a | 0.1% | |
| Associated Credit Union | $400,000 | $275,000 | -31.3% | 0.1% |
| GUILD MORTGAGE COMPANY | $430,000 | $270,000 | -37.2% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $270,000 | n/a | 0.1% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $255,000 | n/a | 0.1% | |
| QUORUM FEDERAL CREDIT UNION | $255,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $205,000 | $250,000 | 22.0% | 0.1% |
| TOGETHER CREDIT UNION | $210,000 | $250,000 | 19.0% | 0.1% |
| First Western Trust Bank | $245,000 | n/a | 0.1% | |
| SOUTHWEST STAGE FUNDING, LLC | $285,000 | $245,000 | -14.0% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $365,000 | $235,000 | -35.6% | 0.1% |
| CLEARPATH LENDING | $225,000 | $235,000 | 4.4% | 0.1% |
| RF Renovo Management Company, LLC | $235,000 | n/a | 0.1% | |
| SIRVA MORTGAGE, INC. | $225,000 | $235,000 | 4.4% | 0.1% |
| EMM LOANS LLC | $450,000 | $225,000 | -50.0% | 0.1% |
| GSF Mortgage Corporation | $225,000 | n/a | 0.1% | |
| HOMESPIRE MORTGAGE CORPORATION | $225,000 | n/a | 0.1% | |
| ALL REVERSE MORTGAGE, INC. | $215,000 | n/a | 0.1% | |
| AMERITRUST MORTGAGE CORPORATION | $215,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $250,000 | $215,000 | -14.0% | 0.1% |
| ServisFirst Bank | $555,000 | $215,000 | -61.3% | 0.1% |
| TJC Mortgage, Inc. | $445,000 | $215,000 | -51.7% | 0.1% |
| Peoples Bank | $210,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $105,000 | $205,000 | 95.2% | 0.0% |
| Evolve Bank & Trust | $205,000 | n/a | 0.0% | |
| Guardian Bank | $205,000 | n/a | 0.0% | |
| ITHINK FINANCIAL Credit Union | $235,000 | $205,000 | -12.8% | 0.0% |
| SOUTHEAST FIRST NATIONAL BANK | $155,000 | $205,000 | 32.3% | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | $165,000 | $205,000 | 24.2% | 0.0% |
| Wolfe Financial, Inc | $255,000 | $205,000 | -19.6% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $195,000 | n/a | 0.0% | |
| NFM, INC. | $620,000 | $195,000 | -68.5% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $295,000 | $195,000 | -33.9% | 0.0% |
| ENVOY MORTGAGE, LTD | $185,000 | n/a | 0.0% | |
| Flanagan State Bank | $185,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $195,000 | $175,000 | -10.3% | 0.0% |
| CIS Financial Services, Inc. | $165,000 | $175,000 | 6.1% | 0.0% |
| CityWorth Mortgage LLC | $175,000 | n/a | 0.0% | |
| IVY MORTGAGE, INC. | $175,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $175,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $175,000 | n/a | 0.0% | |
| FIRST COLONY MORTGAGE CORPORATION | $165,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $155,000 | n/a | 0.0% | |
| ENDEAVOR CAPITAL, LLC. | $155,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $155,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $1,125,000 | $145,000 | -87.1% | 0.0% |
| First Volunteer Bank | $1,105,000 | $135,000 | -87.8% | 0.0% |
| M&T Bank | $105,000 | $135,000 | 28.6% | 0.0% |
| COMMUNITY MORTGAGE CORPORATION | $125,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $160,000 | $115,000 | -28.1% | 0.0% |
| Citibank | $175,000 | $85,000 | -51.4% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $85,000 | n/a | 0.0% | |
| CDC Federal Credit Union | $65,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $65,000 | n/a | 0.0% | |
| BancorpSouth | $35,000 | n/a | 0.0% | |
| Citizens Bank | $580,000 | $35,000 | -94.0% | 0.0% |
| MEMBER ONE | $15,000 | $35,000 | 133.3% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $405,000 | $35,000 | -91.4% | 0.0% |
ROME's top lender by overall market share is QUICKEN LOANS, LLC, with 9.5% market share. In second place, with 4.9%, is United Community Bank, having originated $20,520,000 in loans. In third place, with 4.7%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $19,500,000 in loans. In fourth place, with 3.6%, is Farmers Bank & Trust Company, having originated $14,975,000 in loans. In fifth place, with 3.0%, is MOVEMENT MORTGAGE, LLC, having originated $12,500,000 in loans.
ROME, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,102 | $276,730,000 | $251,116 |
| Cash Out Refi | 271 | $50,175,000 | $185,148 |
| Refi | 206 | $62,550,000 | $303,641 |
| Other | 155 | $15,015,000 | $96,871 |
| Home Improvement | 109 | $10,845,000 | $99,495 |
| NA | 1 | $125,000 | $125,000 |
Rome's most frequently cited loan purpose was Home Purchase, with 1,102 originations. The 2nd most popular reason was Cash Out Refi, with 271 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 756 | $177,640,000 | $234,974 |
| 7-8% | 346 | $88,840,000 | $256,763 |
| Over 8% | 303 | $35,495,000 | $117,145 |
| 5-6% | 277 | $67,545,000 | $243,845 |
| <2.5% | 32 | $670,000 | $20,938 |
| 4-5% | 13 | $3,095,000 | $238,077 |
| 3-4% | 1 | $175,000 | $175,000 |
During 2024, Rome's most frequently originated rate bucket was 6-7%, with 756 originations.
Loan Sizing (ROME, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 704 | $188,100,000 | $267,188 |
| $100k-200k | 594 | $90,690,000 | $152,677 |
| $100,000 or less | 399 | $21,225,000 | $53,195 |
| $400k-600k | 97 | $45,205,000 | $466,031 |
| $600k-1000k | 38 | $27,510,000 | $723,947 |
| $Over $1MM | 12 | $42,710,000 | $3,559,167 |
ROME's loan sizing saw the bucket of loans from $200k-400k with 704 originations, totaling $188,100,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 774 | $200,620,000 | $259,199 |
| 60-80% | 375 | $85,665,000 | $228,440 |
| Under 20% | 192 | $7,020,000 | $36,563 |
| 20-40% | 174 | $18,110,000 | $104,080 |
| 40-60% | 161 | $45,575,000 | $283,075 |
| Over 100% | 24 | $9,100,000 | $379,167 |
ROME's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 774 originations, totaling $200,620,000 in origination value.