ROME Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Rome averaged
5.78%
for the week of 2022-05-12, compared to the national average of
5.3% for the same period.
The average rate for the prior week (2022-05-05) was
5.35% and
one month ago for the week of 2022-04-07, the
average rate was 5.1%.
Rome's average rate one year ago was 3.16%.
For refis of the same type during the week of 2022-05-12, the average rate
was 5.58%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-05-12 | 5.3% |
| Rome 30 Year Fixed Rate | 2022-05-12 | 5.78% |
| Rome 30 Year Fixed Rate Refi | 2022-05-12 | 5.58% |
| Rome 15 Year Fixed Rate | 2022-05-12 | 4.73% |
| Rome 15 Year Fixed Rate Refi | 2022-05-12 | 4.92% |
| Rome 30 Year FHA | 2022-05-12 | 5.3% |
| Rome 30 Year FHA Refi | 2022-05-12 | 5.69% |
| Rome 30 Year USDA | 2022-05-12 | 5.62% |
| Rome 30 Year USDA Refi | 2022-05-12 | 4.82% |
| Rome 30 Year VA | 2022-05-12 | 5.59% |
| Rome 30 Year VA Refi | 2022-05-12 | 4.91% |
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 lendor, 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, 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.
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 Bank (2.92%), UNITED WHOLESALE MORTGAGE, LLC (2.95%), South State Bank (2.98%) and LOANDEPOT.COM, LLC (3.03%).
ROME, GA Lender 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 third place, with 6.8%, is WALKER & DUNLOP, LLC, having originated $41,840,000 in loans. In third place, with 6.3%, is United Community Bank, having originated $38,820,000 in loans.
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.
Market Conditions (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 | $192,000 (28.0%) | $244,307 (13.2%) | 0.00 | 460 |
| 2018-02-01 | $174,000 (16.1%) | $228,900 (13.3%) | 0.00 | 478 |
| 2018-03-01 | $179,900 (20.4%) | $232,799 (14.1%) | 0.00 | 500 |
| 2018-04-01 | $187,450 (20.9%) | $250,223 (14.9%) | 0.00 | 529 |
| 2018-05-01 | $199,900 (25.4%) | $261,049 (17.7%) | 0.00 | 495 |
| 2018-06-01 | $199,900 (19.4%) | $267,214 (15.9%) | 0.00 | 506 |
| 2018-07-01 | $197,400 (16.2%) | $262,163 (12.3%) | 0.00 | 558 |
| 2018-08-01 | $179,950 (1.7%) | $253,906 (6.3%) | 0.00 | 604 |
| 2018-09-01 | $174,900 (-1.7%) | $262,565 (9.0%) | 0.00 | 577 |
| 2018-10-01 | $169,950 (-5.5%) | $252,859 (2.6%) | 0.00 | 611 |
| 2018-11-01 | $173,950 (-5.7%) | $254,712 (5.3%) | 0.00 | 617 |
| 2018-12-01 | $170,000 (-8.1%) | $255,459 (5.3%) | 0.00 | 596 |
| 2019-01-01 | $167,500 (-12.8%) | $259,631 (6.3%) | 0.00 | 538 |
| 2019-02-01 | $172,400 (-0.9%) | $272,421 (19.0%) | 0.00 | 540 |
| 2019-03-01 | $182,157 (1.3%) | $279,452 (20.0%) | 0.00 | 517 |
| 2019-04-01 | $179,707 (-4.1%) | $278,884 (11.5%) | 0.00 | 544 |
| 2019-05-01 | $194,400 (-2.8%) | $286,704 (9.8%) | 0.00 | 563 |
| 2019-06-01 | $199,900 (0.0%) | $278,533 (4.2%) | 0.00 | 590 |
| 2019-07-01 | $202,200 (2.4%) | $276,773 (5.6%) | 0.00 | 617 |
| 2019-08-01 | $208,143 (15.7%) | $273,855 (7.9%) | 0.00 | 613 |
| 2019-09-01 | $200,593 (14.7%) | $267,866 (2.0%) | 0.00 | 607 |
| 2019-10-01 | $219,750 (29.3%) | $283,031 (11.9%) | 0.00 | 566 |
| 2019-11-01 | $222,000 (27.6%) | $287,033 (12.7%) | 0.00 | 517 |
| 2019-12-01 | $219,450 (29.1%) | $284,709 (11.5%) | 0.00 | 511 |
| 2020-01-01 | $219,900 (31.3%) | $279,794 (7.8%) | 0.00 | 452 |
| 2020-02-01 | $234,500 (36.0%) | $287,726 (5.6%) | 0.00 | 450 |
| 2020-03-01 | $229,900 (26.2%) | $276,473 (-1.1%) | 0.00 | 440 |
| 2020-04-01 | $217,450 (21.0%) | $282,554 (1.3%) | 0.00 | 439 |
| 2020-05-01 | $239,500 (23.2%) | $298,243 (4.0%) | 0.00 | 413 |
| 2020-06-01 | $239,900 (20.0%) | $304,691 (9.4%) | 0.00 | 375 |
| 2020-07-01 | $242,200 (19.8%) | $316,065 (14.2%) | 0.00 | 344 |
| 2020-08-01 | $249,900 (20.1%) | $341,672 (24.8%) | 0.00 | 314 |
| 2020-09-01 | $235,750 (17.5%) | $308,358 (15.1%) | 0.00 | 328 |
| 2020-10-01 | $219,900 (0.1%) | $282,117 (-0.3%) | 0.00 | 335 |
| 2020-11-01 | $214,750 (-3.3%) | $282,752 (-1.5%) | 0.00 | 310 |
| 2020-12-01 | $222,400 (1.3%) | $279,836 (-1.7%) | 0.00 | 283 |
| 2021-01-01 | $225,000 (2.3%) | $301,004 (7.6%) | 0.00 | 235 |
| 2021-02-01 | $229,900 (-2.0%) | $314,730 (9.4%) | 0.00 | 219 |
| 2021-03-01 | $246,750 (7.3%) | $323,188 (16.9%) | 0.00 | 193 |
| 2021-04-01 | $239,700 (10.2%) | $312,213 (10.5%) | 0.00 | 173 |
| 2021-05-01 | $243,500 (1.7%) | $327,680 (9.9%) | 0.00 | 178 |
| 2021-06-01 | $239,450 (-0.2%) | $329,591 (8.2%) | 0.00 | 230 |
| 2021-07-01 | $239,450 (-1.1%) | $324,857 (2.8%) | 0.00 | 254 |
| 2021-08-01 | $217,400 (-13.0%) | $307,793 (-9.9%) | 0.00 | 271 |
| 2021-09-01 | $207,000 (-12.2%) | $308,373 (0.0%) | 0.00 | 243 |
| 2021-10-01 | $208,000 (-5.4%) | $308,731 (9.4%) | 0.00 | 243 |
| 2021-11-01 | $207,500 (-3.4%) | $321,192 (13.6%) | 0.00 | 224 |
| 2021-12-01 | $229,900 (3.4%) | $328,058 (17.2%) | 0.00 | 199 |
| 2022-01-01 | $240,000 (6.7%) | $357,224 (18.7%) | 0.00 | 158 |
| 2022-02-01 | $244,950 (6.6%) | $364,879 (15.9%) | 0.00 | 160 |
| 2022-03-01 | $239,900 (-2.8%) | $354,026 (9.5%) | 0.00 | 196 |
| 2022-04-01 | $259,000 (8.1%) | $348,170 (11.5%) | 0.00 | 203 |
ROME's median listing price for 2022-04-01 was $259,000, a difference of
$19,300
(8.1%) versus the prior year and
$19,100 versus the prior month.
ROME's median listing price comes in at 0% of the national average.
ROME's average listing price for 2022-04-01 was $348,170, a difference of $35,957 (11.5%) versus the prior year and $-5,856 versus the prior month.
For the 2022-04-01 period, ROME had 203 MLS listings, a difference of 7 listings (4%) versus the prior month and 30 listings (17%) versus the prior year.
ROME's median listing price comes in at 0% of the national average.
ROME's average listing price for 2022-04-01 was $348,170, a difference of $35,957 (11.5%) versus the prior year and $-5,856 versus the prior month.
For the 2022-04-01 period, ROME had 203 MLS listings, a difference of 7 listings (4%) versus the prior month and 30 listings (17%) 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 | 2,090 sqft |
| 2018-02-01 | 0 days | 2,000 sqft |
| 2018-03-01 | 0 days | 1,992 sqft |
| 2018-04-01 | 0 days | 2,026 sqft |
| 2018-05-01 | 0 days | 2,033 sqft |
| 2018-06-01 | 0 days | 2,101 sqft |
| 2018-07-01 | 0 days | 2,051 sqft |
| 2018-08-01 | 0 days | 1,958 sqft |
| 2018-09-01 | 0 days | 1,931 sqft |
| 2018-10-01 | 0 days | 1,924 sqft |
| 2018-11-01 | 0 days | 1,904 sqft |
| 2018-12-01 | 0 days | 1,901 sqft |
| 2019-01-01 | 0 days | 1,903 sqft |
| 2019-02-01 | 0 days | 1,872 sqft |
| 2019-03-01 | 0 days | 1,942 sqft |
| 2019-04-01 | 0 days | 2,003 sqft |
| 2019-05-01 | 0 days | 2,032 sqft |
| 2019-06-01 | 0 days | 2,144 sqft |
| 2019-07-01 | 0 days | 2,109 sqft |
| 2019-08-01 | 0 days | 2,033 sqft |
| 2019-09-01 | 0 days | 1,950 sqft |
| 2019-10-01 | 0 days | 1,980 sqft |
| 2019-11-01 | 0 days | 2,015 sqft |
| 2019-12-01 | 0 days | 2,015 sqft |
| 2020-01-01 | 0 days | 2,021 sqft |
| 2020-02-01 | 0 days | 2,038 sqft |
| 2020-03-01 | 0 days | 2,000 sqft |
| 2020-04-01 | 0 days | 1,976 sqft |
| 2020-05-01 | 0 days | 2,175 sqft |
| 2020-06-01 | 0 days | 2,219 sqft |
| 2020-07-01 | 0 days | 2,255 sqft |
| 2020-08-01 | 0 days | 2,297 sqft |
| 2020-09-01 | 0 days | 2,087 sqft |
| 2020-10-01 | 0 days | 1,844 sqft |
| 2020-11-01 | 0 days | 1,873 sqft |
| 2020-12-01 | 0 days | 1,712 sqft |
| 2021-01-01 | 0 days | 1,631 sqft |
| 2021-02-01 | 0 days | 1,721 sqft |
| 2021-03-01 | 0 days | 1,943 sqft |
| 2021-04-01 | 0 days | 1,870 sqft |
| 2021-05-01 | 0 days | 1,921 sqft |
| 2021-06-01 | 0 days | 1,712 sqft |
| 2021-07-01 | 0 days | 1,737 sqft |
| 2021-08-01 | 0 days | 1,686 sqft |
| 2021-09-01 | 0 days | 1,671 sqft |
| 2021-10-01 | 0 days | 1,670 sqft |
| 2021-11-01 | 0 days | 1,633 sqft |
| 2021-12-01 | 0 days | 1,705 sqft |
| 2022-01-01 | 0 days | 1,570 sqft |
| 2022-02-01 | 0 days | 1,700 sqft |
| 2022-03-01 | 0 days | 1,626 sqft |
| 2022-04-01 | 0 days | 1,742 sqft |
ROME's median listing age (time on market) for 2022-04-01 was 0 days.
ROME's median square footage for active listings during the 2022-04-01 period was 1,742 sqft. One year prior, the average listing was 1,870 sqft.
ROME's median square footage for active listings during the 2022-04-01 period was 1,742 sqft. One year prior, the average listing was 1,870 sqft.
