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 6.9% for the week of 2024-04-11, compared to the national average of 6.88% for the same period.

The average rate for the prior week (2024-04-04) was 6.64% and one month ago for the week of 2024-03-07, the average rate was 7.1%.

Rome's average rate one year ago was 6.2%.

For refis of the same type during the week of 2024-04-11, the average rate was 7.49%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-04-11 6.88%
Rome 30 Year Fixed Rate 2024-04-11 6.9%
Rome 30 Year Fixed Rate Refi 2024-04-11 7.49%
Rome 15 Year Fixed Rate 2024-04-11 6.36%
Rome 15 Year Fixed Rate Refi 2024-04-11 6.56%
Rome 30 Year FHA 2024-04-11 6.81%
Rome 30 Year FHA Refi 2024-04-11 6.54%
Rome 30 Year USDA 2024-04-11 6.51%
Rome 30 Year USDA Refi 2024-04-11 6.81%
Rome 30 Year VA 2024-04-11 6.65%
Rome 30 Year VA Refi 2024-04-11 6.77%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
QUICKEN LOANS, LLC 50 6.72% $6,893
Synovus Bank 43 6.40% $7,239
HOMESTAR FINANCIAL CORPORATION 34 6.66% $3,966
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 28 6.87% $5,570
FirstBank 26 6.84% $7,279
Ameris Bank 25 6.54% $7,831
United Community Bank 22 7.15% $5,681
BANKSOUTH MORTGAGE COMPANY, LLC 22 6.51% $7,257
UNITED WHOLESALE MORTGAGE, LLC 17 6.95% $7,684
EVERETT FINANCIAL, INC. 14 7.15% $7,642
STOCKTON MORTGAGE CORPORATION 12 6.56% $7,235
MEMBER FIRST MORTGAGE, LLC 11 6.78% $4,581
MOVEMENT MORTGAGE, LLC 11 6.78% $5,975
SWBC MORTGAGE CORPORATION 11 5.84% $2,132
Regions Bank 10 6.65% $6,155
GUARANTEED RATE, INC. 9 6.89% $6,074
Renasant Bank 9 6.78% $7,082
Truist 8 6.23% $5,008
Wells Fargo Bank 7 7.05% $4,294
VANDERBILT MORTGAGE AND FINANCE, INC. 6 7.06% $5,546
CARDINAL FINANCIAL 5 6.62% $9,282
CANOPY MORTGAGE, LLC 5 7.40% $10,613
DIRECT LENDERS, LLC 5 6.60% $3,783
JPMorgan Chase Bank 5 6.75% $2,153
CROSSCOUNTRY MORTGAGE, LLC 4 7.56% $5,934
Mr. Cooper ( Nationstar Mortgage ) 4 7.19% $5,556
Flagstar Bank, FSB 4 7.31% $7,253
NAVY FEDERAL CREDIT UNION 3 6.67% $2,433
PENNYMAC LOAN SERVICES, LLC 3 6.92% $4,532
Capital City Home Loans, LLC 3 7.04% $5,983
Mortgage Research Center, LLC 3 7.17% $2,558
CHURCHILL MORTGAGE CORPORATION 3 6.54% $3,925
USAA Federal Savings Bank 3 6.71% $4,720
HOMEOWNERS FINANCIAL GROUP USA, LLC 3 7.08% $5,222
ROYAL UNITED MORTGAGE LLC 3 7.38% $5,690
Ally Bank 3 6.79% $4,703
Bank of England 3 6.88% $6,532
CREDIT UNION FINANCIAL SERVICES, LLC 2 6.06% $5,977
UNION HOME MORTGAGE CORP. 2 7.38% $4,626
Mortgage Assurance Inc. 2 6.31% $3,747
U.S. Bank 2 6.25% $3,739
MILEND, INC. 2 7.00% $4,738
Magnolia Bank 2 6.94% $5,734
The Loan Store, Inc. 2 6.81% $6,325
Prosperity Home Mortgage, LLC 2 7.25% $4,925
First Option Mortgage, LLC 2 8.88% $4,614
Associated Credit Union 2 5.81% $3,924
Colony Bank 2 6.50% $8,440
First National Bank of America 2 11.25% $8,119
First Horizon Bank 2 6.31% $4,117
NEXERA HOLDING LLC 2 8.75% $10,852
FREEDOM MORTGAGE CORPORATION 2 7.94% $5,977
Bank of America 2 6.63% $4,652
ABSOLUTE HOME MORTGAGE CORPORATION 1 7.50% $3,906
ZILLOW HOME LOANS, LLC 1 7.25% $6,342
ACOPIA, LLC 1 5.75% $5,490
Alcova Mortgage LLC 1 6.00% $2,585
American Airlines Federal Credit Union 1 5.50% $0
AMERICAN FINANCIAL NETWORK, INC. 1 8.13% $6,260
AMERICAN INTERNET MORTGAGE, INC. 1 6.75% $5,336
AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.25% $10,427
AMERISAVE MORTGAGE CORPORATION 1 7.63% $9,262
Assurance Financial Group, L.L.C. 1 7.50% $3,939
ATLANTA POSTAL 1 6.88% $3,758
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.38% $5,073
BETTER MORTGAGE CORPORATION 1 5.25% $6,051
BROKER SOLUTIONS, INC. 1 7.13% $5,571
Citibank 1 7.13% $4,718
CONTOUR MORTGAGE CORPORATION 1 7.50% $8,716
DEEPHAVEN MORTGAGE LLC 1 8.63% $7,098
DELTA COMMUNITY CREDIT UNION 1 6.88% $4,288
Discover Bank 1 6.99% $0
Fifth Third Bank 1 8.00% $7,495
FIRST COMMUNITY MORTGAGE, INC. 1 6.13% $5,968
First Federal Bank 1 5.88% $4,626
First Heritage Mortgage, LLC 1 7.25% $3,478
GENEVA FINANCIAL, LLC 1 7.38% $23,024
GEORGIA'S OWN 1 6.88% $2,679
GUARANTEED RATE AFFINITY, LLC 1 6.63% $3,616
ITHINK FINANCIAL Credit Union 1 7.00% $3,494
LAKEVIEW LOAN SERVICING, LLC 1 7.13% $7,379
LENDSURE MORTGAGE CORP. 1 9.00% $11,826
LOANDEPOT.COM, LLC 1 6.99% $4,785
M&T Bank 1 6.75% $4,975
MUTUAL OF OMAHA MORTGAGE, INC. 1 7.50% $4,065
NEWREZ LLC 1 6.63% $3,259
NexBank 1 6.75% $6,343
NFM, INC. 1 6.63% $12,787
North American Savings Bank, F.S.B. 1 6.25% $2,356
NP, Inc. 1 10.50% $170
PANORAMA MORTGAGE GROUP, LLC 1 6.25% $4,981
Paramount Residential Mortgage Group, Inc. 1 7.88% $24,707
PLAZA HOME MORTGAGE, INC. 1 7.50% $3,475
PNC Bank 1 5.63% $4,795
PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.88% $4,030
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.50% $5,469
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.50% $6,268
PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.50% $3,621
RELIANCE FIRST CAPITAL, LLC 1 7.50% $4,691
SHELTER HOME MORTGAGE, LLC 1 6.13% $5,612
SIRVA MORTGAGE, INC. 1 6.38% $0
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 6.50% $10,420
SOUTHPOINT FINANCIAL SERVICES, INC. 1 8.00% $9,984
South State Bank 1 6.75% $4,390
TJC Mortgage, Inc. 1 6.50% $7,864
TOGETHER CREDIT UNION 1 7.38% $3,098
UBS Bank USA 1 5.75% $5,890

ROME Average Closing Costs & Other Stats

ROME, GA's 107 lenders originated 1,709 loans during 2023. The total origination value was $335,515,000, with an average loan value of $196,322.

ROME's average closing costs are $5,291.

The top ROME lender as defined by loan originations is QUICKEN LOANS, LLC, with 50 loans originated. Their average total fees are $6,893, which is $346 lower than the next largest lender, Synovus Bank.

The lowest fee ROME lenders (with over 10 loans originated) are SWBC MORTGAGE CORPORATION ($2,132), HOMESTAR FINANCIAL CORPORATION ($3,966), MEMBER FIRST MORTGAGE, LLC ($4,581), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($5,570) and United Community Bank ($5,681).

The lowest rate ROME lenders (with over 10 loans originated) are SWBC MORTGAGE CORPORATION (5.84%), Synovus Bank (6.40%), BANKSOUTH MORTGAGE COMPANY, LLC (6.51%), Ameris Bank (6.54%) and STOCKTON MORTGAGE CORPORATION (6.56%).

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
United Community Bank $31,130,000 $22,025,000 -29.2% 6.6%
Synovus Bank $16,350,000 $20,240,000 23.8% 6.0%
QUICKEN LOANS, LLC $28,140,000 $19,255,000 -31.6% 5.7%
HOMESTAR FINANCIAL CORPORATION $34,620,000 $18,760,000 -45.8% 5.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $14,825,000 $16,965,000 14.4% 5.1%
FirstBank $23,040,000 $13,830,000 -40.0% 4.1%
Ameris Bank $7,290,000 $13,675,000 87.6% 4.1%
UNITED WHOLESALE MORTGAGE, LLC $11,200,000 $12,700,000 13.4% 3.8%
BANKSOUTH MORTGAGE COMPANY, LLC $5,680,000 $10,375,000 82.7% 3.1%
WALKER & DUNLOP, LLC $7,310,000 n/a 2.2%
SWBC MORTGAGE CORPORATION $7,965,000 $6,620,000 -16.9% 2.0%
Mortgage Research Center, LLC $6,945,000 $6,525,000 -6.0% 1.9%
Truist $11,430,000 $5,930,000 -48.1% 1.8%
Regions Bank $8,380,000 $5,860,000 -30.1% 1.7%
STOCKTON MORTGAGE CORPORATION $3,840,000 $5,380,000 40.1% 1.6%
MOVEMENT MORTGAGE, LLC $4,095,000 $5,275,000 28.8% 1.6%
GUARANTEED RATE, INC. $755,000 $5,175,000 585.4% 1.5%
CROSSCOUNTRY MORTGAGE, LLC $1,220,000 $5,045,000 313.5% 1.5%
River City Bank $4,840,000 n/a 1.4%
EVERETT FINANCIAL, INC. $6,485,000 $4,660,000 -28.1% 1.4%
VANDERBILT MORTGAGE AND FINANCE, INC. $4,400,000 $4,245,000 -3.5% 1.3%
PENNYMAC LOAN SERVICES, LLC $5,715,000 $4,180,000 -26.9% 1.2%
First National Community Bank $3,910,000 n/a 1.2%
Renasant Bank $3,145,000 $3,830,000 21.8% 1.1%
MEMBER FIRST MORTGAGE, LLC $3,905,000 $3,610,000 -7.6% 1.1%
CARDINAL FINANCIAL $2,035,000 $3,135,000 54.1% 0.9%
Greater Community Bank $2,970,000 n/a 0.9%
DOMINION FINANCIAL SERVICES, LLC $155,000 $2,840,000 1,732.3% 0.8%
Coosa Valley Credit Union $3,075,000 $2,770,000 -9.9% 0.8%
Mr. Cooper ( Nationstar Mortgage ) $4,540,000 $2,690,000 -40.7% 0.8%
USAA Federal Savings Bank $980,000 $2,640,000 169.4% 0.8%
NAVY FEDERAL CREDIT UNION $1,835,000 $2,530,000 37.9% 0.8%
CANOPY MORTGAGE, LLC $155,000 $2,095,000 1,251.6% 0.6%
Wells Fargo Bank $8,545,000 $1,910,000 -77.6% 0.6%
JPMorgan Chase Bank $2,960,000 $1,825,000 -38.3% 0.5%
Flagstar Bank, FSB $3,000,000 $1,780,000 -40.7% 0.5%
TEMPLE VIEW CAPITAL FUNDING, LP $1,760,000 n/a 0.5%
FREEDOM MORTGAGE CORPORATION $3,400,000 $1,675,000 -50.7% 0.5%
Capital City Home Loans, LLC $345,000 $1,505,000 336.2% 0.4%
MILEND, INC. $665,000 $1,440,000 116.5% 0.4%
DIRECT LENDERS, LLC $3,235,000 $1,360,000 -58.0% 0.4%
BROKER SOLUTIONS, INC. $3,030,000 $1,350,000 -55.4% 0.4%
MUTUAL OF OMAHA MORTGAGE, INC. $125,000 $1,320,000 956.0% 0.4%
HOMEOWNERS FINANCIAL GROUP USA, LLC $505,000 $1,275,000 152.5% 0.4%
Prosperity Home Mortgage, LLC $2,060,000 $1,265,000 -38.6% 0.4%
PNC Bank $1,155,000 $1,230,000 6.5% 0.4%
RELIANCE FIRST CAPITAL, LLC $155,000 $1,125,000 625.8% 0.3%
First Volunteer Bank $1,105,000 n/a 0.3%
LOANDEPOT.COM, LLC $3,140,000 $1,075,000 -65.8% 0.3%
FAMILY SAVINGS $1,205,000 $1,070,000 -11.2% 0.3%
CRESCENT MORTGAGE COMPANY $255,000 $1,065,000 317.6% 0.3%
Mortgage Assurance Inc. $420,000 $1,025,000 144.0% 0.3%
NEW DAY FINANCIAL, LLC $1,280,000 $1,025,000 -19.9% 0.3%
Bank of England $455,000 $1,020,000 124.2% 0.3%
LENDINGONE, LLC $2,110,000 $1,000,000 -52.6% 0.3%
First National Bank of America $945,000 n/a 0.3%
PLANET HOME LENDING, LLC $645,000 $945,000 46.5% 0.3%
Alcova Mortgage LLC $320,000 $865,000 170.3% 0.3%
Equity Prime Mortgage LLC $855,000 n/a 0.3%
ISERVE RESIDENTIAL LENDING, LLC $225,000 $855,000 280.0% 0.3%
Carrington Mortgage Services, LLC $1,910,000 $820,000 -57.1% 0.2%
Colony Bank $950,000 $810,000 -14.7% 0.2%
U.S. Bank $590,000 $790,000 33.9% 0.2%
LENDINGHOME FUNDING CORPORATION $710,000 $780,000 9.9% 0.2%
Paramount Residential Mortgage Group, Inc. $670,000 $780,000 16.4% 0.2%
Discover Bank $1,165,000 $770,000 -33.9% 0.2%
UBS Bank USA $755,000 n/a 0.2%
AMERICAN FINANCIAL NETWORK, INC. $710,000 n/a 0.2%
Nations Lending Corporation $135,000 $705,000 422.2% 0.2%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $1,100,000 $690,000 -37.3% 0.2%
Bank of America $2,535,000 $685,000 -73.0% 0.2%
LIMA ONE CAPITAL, LLC $22,800,000 $685,000 -97.0% 0.2%
Century Mortgage Company DBA Century Lending Company $665,000 n/a 0.2%
SOUTHPOINT FINANCIAL SERVICES, INC. $520,000 $665,000 27.9% 0.2%
NFM, INC. $620,000 n/a 0.2%
First Horizon Bank $1,205,000 $590,000 -51.0% 0.2%
Citizens Bank $55,000 $580,000 954.5% 0.2%
Cornerstone First Mortgage, Inc $560,000 n/a 0.2%
ServisFirst Bank $555,000 n/a 0.2%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $355,000 $530,000 49.3% 0.2%
MORTGAGE SOLUTIONS OF COLORADO, LLC $385,000 $530,000 37.7% 0.2%
American Airlines Federal Credit Union $525,000 n/a 0.2%
SUMMIT FUNDING, INC. $290,000 $520,000 79.3% 0.2%
NEWREZ LLC $985,000 $510,000 -48.2% 0.2%
NEXERA HOLDING LLC $510,000 n/a 0.2%
First Southern Bank $505,000 n/a 0.2%
TRIAD FINANCIAL SERVICES, INC. $470,000 $495,000 5.3% 0.1%
City National Bank $485,000 n/a 0.1%
GENEVA FINANCIAL, LLC $930,000 $485,000 -47.8% 0.1%
The Freedom Bank of Virginia $485,000 n/a 0.1%
Ally Bank $1,000,000 $465,000 -53.5% 0.1%
Magnolia Bank $465,000 n/a 0.1%
ACOPIA, LLC $1,100,000 $455,000 -58.6% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $450,000 n/a 0.1%
EMM LOANS LLC $205,000 $450,000 119.5% 0.1%
Figure Lending LLC $545,000 $450,000 -17.4% 0.1%
MID AMERICA MORTGAGE, INC. $255,000 $450,000 76.5% 0.1%
UNION HOME MORTGAGE CORP. $155,000 $450,000 190.3% 0.1%
Barrington Bank & Trust Company, N.A. $340,000 $445,000 30.9% 0.1%
TJC Mortgage, Inc. $790,000 $445,000 -43.7% 0.1%
First Federal Bank $430,000 n/a 0.1%
GUILD MORTGAGE COMPANY $1,100,000 $430,000 -60.9% 0.1%
GUARANTEED RATE AFFINITY, LLC $1,475,000 $420,000 -71.5% 0.1%
AMWEST FUNDING CORP. $135,000 $415,000 207.4% 0.1%
PENTAGON FEDERAL CREDIT UNION $785,000 $405,000 -48.4% 0.1%
Associated Credit Union $125,000 $400,000 220.0% 0.1%
Waterstone Mortgage Corporation $175,000 $395,000 125.7% 0.1%
First Heritage Mortgage, LLC $390,000 n/a 0.1%
South State Bank $21,065,000 $390,000 -98.1% 0.1%
CREDIT UNION FINANCIAL SERVICES, LLC $155,000 $380,000 145.2% 0.1%
21ST MORTGAGE CORPORATION $720,000 $375,000 -47.9% 0.1%
The Huntington National Bank $375,000 n/a 0.1%
FIRST COMMUNITY MORTGAGE, INC. $4,245,000 $370,000 -91.3% 0.1%
ZILLOW HOME LOANS, LLC $215,000 $370,000 72.1% 0.1%
AMERISAVE MORTGAGE CORPORATION $3,310,000 $365,000 -89.0% 0.1%
CHURCHILL MORTGAGE CORPORATION $605,000 $365,000 -39.7% 0.1%
The Federal Savings Bank $1,605,000 $345,000 -78.5% 0.1%
Fifth Third Bank $305,000 $320,000 4.9% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $320,000 n/a 0.1%
Bethpage Federal Credit Union $315,000 n/a 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $165,000 $295,000 78.8% 0.1%
Meridian Bank Corporation $285,000 n/a 0.1%
SOUTHWEST STAGE FUNDING, LLC $1,025,000 $285,000 -72.2% 0.1%
FBC MORTGAGE, LLC $275,000 n/a 0.1%
GEORGIA'S OWN $75,000 $275,000 266.7% 0.1%
LAKEVIEW LOAN SERVICING, LLC $1,195,000 $275,000 -77.0% 0.1%
The Loan Store, Inc. $270,000 n/a 0.1%
First Savings Bank $265,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $265,000 n/a 0.1%
DELTA COMMUNITY CREDIT UNION $550,000 $260,000 -52.7% 0.1%
First Option Mortgage, LLC $495,000 $260,000 -47.5% 0.1%
Wolfe Financial, Inc $255,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $105,000 $250,000 138.1% 0.1%
NP, Inc. $245,000 n/a 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $235,000 n/a 0.1%
CONTOUR MORTGAGE CORPORATION $235,000 n/a 0.1%
ITHINK FINANCIAL Credit Union $55,000 $235,000 327.3% 0.1%
Loan Simple, Inc. $235,000 n/a 0.1%
HOMEXPRESS MORTGAGE CORP. $230,000 n/a 0.1%
AMERICAN INTERNET MORTGAGE, INC. $810,000 $225,000 -72.2% 0.1%
CLEARPATH LENDING $195,000 $225,000 15.4% 0.1%
SIRVA MORTGAGE, INC. $225,000 n/a 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $250,000 $220,000 -12.0% 0.1%
ABSOLUTE HOME MORTGAGE CORPORATION $215,000 n/a 0.1%
American Mortgage & Equity Consultants, Inc. $215,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $215,000 n/a 0.1%
LENDSURE MORTGAGE CORP. $215,000 n/a 0.1%
TOGETHER CREDIT UNION $140,000 $210,000 50.0% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $55,000 $205,000 272.7% 0.1%
Hometown Equity Mortgage, LLC $125,000 $205,000 64.0% 0.1%
Lakeview Community Capital, LLC $205,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $1,885,000 $195,000 -89.7% 0.1%
DAS Acquisition Company, LLC $645,000 $195,000 -69.8% 0.1%
EASTMAN $195,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $270,000 $185,000 -31.5% 0.1%
DELMAR FINANCIAL COMPANY $275,000 $185,000 -32.7% 0.1%
SHELTER HOME MORTGAGE, LLC $485,000 $185,000 -61.9% 0.1%
SouthEast Bank $185,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $260,000 $185,000 -28.8% 0.1%
Citibank $175,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $700,000 $170,000 -75.7% 0.1%
CIS Financial Services, Inc. $165,000 n/a 0.0%
TOTAL MORTGAGE SERVICES, LLC $165,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $185,000 $160,000 -13.5% 0.0%
ALL IN $155,000 n/a 0.0%
Citizens Bank & Trust, Inc. $655,000 $155,000 -76.3% 0.0%
GMFS LLC $155,000 n/a 0.0%
North American Savings Bank, F.S.B. $265,000 $155,000 -41.5% 0.0%
SOUTHEAST FIRST NATIONAL BANK $155,000 n/a 0.0%
The Piedmont Bank $145,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $135,000 n/a 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $135,000 n/a 0.0%
Bank OZK $130,000 n/a 0.0%
Assurance Financial Group, L.L.C. $125,000 n/a 0.0%
ATLANTA POSTAL $1,170,000 $125,000 -89.3% 0.0%
LOANPAL, LLC $220,000 $125,000 -43.2% 0.0%
PANORAMA MORTGAGE GROUP, LLC $245,000 $125,000 -49.0% 0.0%
VILLAGE CAPITAL MORTGAGE $625,000 $125,000 -80.0% 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,110,000 $115,000 -89.6% 0.0%
Citadel Servicing Corporation $105,000 n/a 0.0%
DEEPHAVEN MORTGAGE LLC $105,000 n/a 0.0%
Deere Employees Credit Union $105,000 n/a 0.0%
M&T Bank $105,000 n/a 0.0%
POWERCO $105,000 n/a 0.0%
CHERRY CREEK MORTGAGE, LLC $95,000 n/a 0.0%
Connexus Credit Union $95,000 n/a 0.0%
AuburnBank $85,000 n/a 0.0%
NexBank $845,000 $85,000 -89.9% 0.0%
LGE COMMUNITY $75,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $75,000 n/a 0.0%
SPRING EQ, LLC $525,000 $65,000 -87.6% 0.0%
Talbot State Bank $65,000 n/a 0.0%
Arvest Bank $35,000 n/a 0.0%
MEMBER ONE $15,000 n/a 0.0%
STATE EMPLOYEES' $15,000 n/a 0.0%

ROME's top lender by overall market share is United Community Bank, with 6.6% market share. In second place, with 6.0%, is Synovus Bank, having originated $20,240,000 in loans. In third place, with 5.7%, is QUICKEN LOANS, LLC, having originated $19,255,000 in loans. In fourth place, with 5.6%, is HOMESTAR FINANCIAL CORPORATION, having originated $18,760,000 in loans. In fifth place, with 5.1%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $16,965,000 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%) $240,117 (-1.9%) 0.00 447
2018-11-01 $164,900 (-5.8%) $242,640 (0.0%) 0.00 459
2018-12-01 $160,000 (-8.5%) $244,447 (1.8%) 0.00 440
2019-01-01 $158,563 (-11.8%) $246,323 (1.0%) 0.00 399
2019-02-01 $169,900 (-0.4%) $274,795 (19.9%) 0.00 385
2019-03-01 $175,614 (0.4%) $281,539 (20.4%) 0.00 376
2019-04-01 $171,264 (-4.8%) $277,041 (11.3%) 0.00 405
2019-05-01 $187,425 (-1.1%) $290,157 (11.4%) 0.00 416
2019-06-01 $189,900 (-4.6%) $275,752 (2.8%) 0.00 431
2019-07-01 $195,279 (1.5%) $277,182 (4.8%) 0.00 443
2019-08-01 $207,950 (17.2%) $279,353 (9.3%) 0.00 433
2019-09-01 $209,075 (19.5%) $278,034 (5.3%) 0.00 413
2019-10-01 $217,325 (36.1%) $286,841 (19.5%) 0.00 382
2019-11-01 $219,900 (33.4%) $290,946 (19.9%) 0.00 344
2019-12-01 $219,900 (37.4%) $287,387 (17.6%) 0.00 348
2020-01-01 $219,675 (38.5%) $283,184 (15.0%) 0.00 308
2020-02-01 $232,500 (36.9%) $289,491 (5.4%) 0.00 317
2020-03-01 $230,750 (31.4%) $284,290 (1.0%) 0.00 307
2020-04-01 $222,200 (29.7%) $288,409 (4.1%) 0.00 307
2020-05-01 $239,900 (28.0%) $307,120 (5.9%) 0.00 286
2020-06-01 $248,200 (30.7%) $312,405 (13.3%) 0.00 254
2020-07-01 $245,925 (25.9%) $318,620 (15.0%) 0.00 229
2020-08-01 $246,950 (18.8%) $334,284 (19.7%) 0.00 219
2020-09-01 $234,950 (12.4%) $307,416 (10.6%) 0.00 221
2020-10-01 $219,950 (1.2%) $288,505 (0.6%) 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 $247,528 (-0.8%) $337,838 (-8.9%) 0.00 168
2022-06-01 $250,000 (2.2%) $373,231 (3.9%) 0.00 170
2022-07-01 $257,900 (9.8%) $366,431 (6.3%) 0.00 195
2022-08-01 $251,200 (15.6%) $364,409 (14.0%) 0.00 191
2022-09-01 $259,450 (22.3%) $370,306 (15.0%) 0.00 189
2022-10-01 $243,750 (16.1%) $339,233 (6.1%) 0.00 210
2022-11-01 $239,500 (19.8%) $344,146 (3.3%) 0.00 219
2022-12-01 $242,475 (7.2%) $342,854 (1.1%) 0.00 200
2023-01-01 $244,912 (4.3%) $330,321 (-10.7%) 0.00 195
2023-02-01 $247,100 (1.0%) $320,176 (-16.1%) 0.00 200
2023-03-01 $261,230 (8.1%) $338,343 (-6.4%) 0.00 183
2023-04-01 $265,450 (6.6%) $334,318 (-5.4%) 0.00 166
2023-05-01 $285,000 (15.1%) $345,872 (2.4%) 0.00 156
2023-06-01 $280,000 (12.0%) $340,470 (-8.8%) 0.00 152
2023-07-01 $289,000 (12.1%) $360,199 (-1.7%) 0.00 159
2023-08-01 $286,750 (14.2%) $357,529 (-1.9%) 0.00 164
2023-09-01 $285,000 (9.9%) $355,756 (-3.9%) 0.00 174
2023-10-01 $288,200 (18.2%) $350,573 (3.3%) 0.00 215
2023-11-01 $284,900 (19.0%) $348,137 (1.2%) 0.00 227
2023-12-01 $289,900 (19.6%) $345,898 (0.9%) 0.00 225
2024-01-01 $275,000 (12.3%) $345,980 (4.7%) 0.00 209
2024-02-01 $268,750 (8.8%) $331,938 (3.7%) 0.00 221
2024-03-01 $274,950 (5.3%) $328,975 (-2.8%) 0.00 226
ROME's median listing price for 2024-03-01 was $274,950, a difference of $13,720 (5.3%) versus the prior year and $6,200 versus the prior month.

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

ROME's average listing price for 2024-03-01 was $328,975, a difference of $-9,368 (-2.8%) versus the prior year and $-2,963 versus the prior month.

For the 2024-03-01 period, ROME had 226 MLS listings, a difference of 5 listings (2%) versus the prior month and 43 listings (23%) 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 2,002 sqft
2018-02-01 0 days 1,816 sqft
2018-03-01 0 days 1,833 sqft
2018-04-01 0 days 1,907 sqft
2018-05-01 0 days 1,926 sqft
2018-06-01 0 days 1,938 sqft
2018-07-01 0 days 1,869 sqft
2018-08-01 0 days 1,820 sqft
2018-09-01 0 days 1,817 sqft
2018-10-01 0 days 1,877 sqft
2018-11-01 0 days 1,876 sqft
2018-12-01 0 days 1,872 sqft
2019-01-01 0 days 1,873 sqft
2019-02-01 0 days 1,854 sqft
2019-03-01 0 days 1,897 sqft
2019-04-01 0 days 1,914 sqft
2019-05-01 0 days 2,025 sqft
2019-06-01 0 days 2,156 sqft
2019-07-01 0 days 2,129 sqft
2019-08-01 0 days 2,079 sqft
2019-09-01 0 days 2,034 sqft
2019-10-01 0 days 2,011 sqft
2019-11-01 0 days 2,047 sqft
2019-12-01 0 days 1,958 sqft
2020-01-01 0 days 2,013 sqft
2020-02-01 0 days 2,026 sqft
2020-03-01 0 days 1,987 sqft
2020-04-01 0 days 1,974 sqft
2020-05-01 0 days 2,187 sqft
2020-06-01 0 days 2,242 sqft
2020-07-01 0 days 2,143 sqft
2020-08-01 0 days 2,081 sqft
2020-09-01 0 days 1,922 sqft
2020-10-01 0 days 1,837 sqft
2020-11-01 0 days 1,851 sqft
2020-12-01 0 days 1,820 sqft
2021-01-01 0 days 1,844 sqft
2021-02-01 0 days 1,840 sqft
2021-03-01 0 days 1,901 sqft
2021-04-01 0 days 1,878 sqft
2021-05-01 0 days 2,033 sqft
2021-06-01 0 days 1,860 sqft
2021-07-01 0 days 1,925 sqft
2021-08-01 0 days 1,748 sqft
2021-09-01 0 days 1,677 sqft
2021-10-01 0 days 1,670 sqft
2021-11-01 0 days 1,553 sqft
2021-12-01 0 days 1,627 sqft
2022-01-01 0 days 1,637 sqft
2022-02-01 0 days 1,744 sqft
2022-03-01 0 days 1,631 sqft
2022-04-01 0 days 1,800 sqft
2022-05-01 0 days 1,690 sqft
2022-06-01 0 days 1,871 sqft
2022-07-01 0 days 1,800 sqft
2022-08-01 0 days 1,752 sqft
2022-09-01 0 days 1,758 sqft
2022-10-01 0 days 1,733 sqft
2022-11-01 0 days 1,694 sqft
2022-12-01 0 days 1,659 sqft
2023-01-01 0 days 1,616 sqft
2023-02-01 0 days 1,638 sqft
2023-03-01 0 days 1,701 sqft
2023-04-01 0 days 1,686 sqft
2023-05-01 0 days 1,840 sqft
2023-06-01 0 days 1,850 sqft
2023-07-01 0 days 1,850 sqft
2023-08-01 0 days 1,894 sqft
2023-09-01 0 days 1,846 sqft
2023-10-01 0 days 1,807 sqft
2023-11-01 0 days 1,721 sqft
2023-12-01 0 days 1,778 sqft
2024-01-01 0 days 1,750 sqft
2024-02-01 0 days 1,660 sqft
2024-03-01 0 days 1,650 sqft
ROME's median listing age (time on market) for 2024-03-01 was 0 days.

ROME's median square footage for active listings during the 2024-03-01 period was 1,650 sqft. One year prior, the average listing was 1,701 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 MSA $1,010 $1,030 $1,170 $1,420 $1,740
30104 Rome, GA MSA $770 $780 $1,000 $1,290 $1,550
30105 Rome, GA MSA $690 $690 $860 $1,120 $1,330
30124 Rome, GA MSA $720 $720 $950 $1,240 $1,480
30125 Rome, GA MSA $660 $670 $880 $1,150 $1,370
30129 Rome, GA MSA $720 $730 $960 $1,250 $1,500
30145 Rome, GA MSA $950 $970 $1,120 $1,390 $1,690
30147 Rome, GA MSA $710 $710 $940 $1,230 $1,470
30149 Rome, GA MSA $740 $740 $980 $1,280 $1,530
30161 Rome, GA MSA $680 $690 $900 $1,170 $1,400
30162 Rome, GA MSA $720 $730 $960 $1,250 $1,500
30164 Rome, GA MSA $730 $730 $960 $1,250 $1,500
30165 Rome, GA MSA $740 $740 $980 $1,280 $1,530
30172 Rome, GA MSA $720 $730 $960 $1,250 $1,500
30173 Rome, GA MSA $700 $710 $930 $1,210 $1,450
30701 Rome, GA MSA $640 $650 $850 $1,110 $1,330
30733 Rome, GA MSA $890 $900 $1,180 $1,540 $1,840
30747 Rome, GA MSA $670 $680 $790 $1,020 $1,200

2022 Average & Median Rent Data Statistics
ROME, GA average 1BR rent: $756, median: $730
ROME, GA average 2BR rent: $965, median: $960
ROME, GA average 3BR rent: $1,247, median: $1,250

ROME, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,091 $242,485,000 $222,259
Cash Out Refi 215 $36,535,000 $169,930
Refi 188 $39,070,000 $207,819
Other 116 $8,800,000 $75,862
Home Improvement 99 $8,625,000 $87,121

Rome's most frequently cited loan purpose was Home Purchase, with 1,091 originations. The 2nd most popular reason was Cash Out Refi, with 215 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 667 $143,425,000 $215,030
7-8% 423 $84,605,000 $200,012
Over 8% 243 $26,285,000 $108,169
5-6% 238 $54,690,000 $229,790
<2.5% 28 $540,000 $19,286
4-5% 12 $8,690,000 $724,167
2.5-3% 2 $400,000 $200,000
3-4% 1 $75,000 $75,000

During 2023, Rome's most frequently originated rate bucket was 6-7%, with 667 originations.

Loan Sizing (ROME, GA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 618 $93,400,000 $151,133
$200k-400k 616 $164,170,000 $266,510
$100,000 or less 382 $20,700,000 $54,188
$400k-600k 67 $31,705,000 $473,209
$600k-1000k 24 $16,750,000 $697,917
$Over $1MM 2 $8,790,000 $4,395,000

ROME's loan sizing saw the bucket of loans from $100k-200k with 618 originations, totaling $93,400,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 766 $186,390,000 $243,329
60-80% 359 $75,105,000 $209,206
Under 20% 173 $6,985,000 $40,376
20-40% 155 $14,535,000 $93,774
40-60% 138 $29,470,000 $213,551
Over 100% 20 $5,340,000 $267,000

ROME's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 766 originations, totaling $186,390,000 in origination value.