RMC Home Mortgage
We analyzed every closed loan from RMC Home Mortgage — 1.8k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 20 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,053)
Explore another lender or local market
Report Card
RMC Home Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+16.8 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
810 loans · 0.50% above market
Strong
Top 40% of lenders
4/5
FHA
736 loans · 0.02% below market
Exceptional
Top 20% of lenders
5/5
VA
274 loans · 0.59% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,815 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
Refinance
12 loans · 0.02% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 21 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 810 | 44.3% | +0.497%Above | $3,952Fees | ||||
FHA Loans | 736 | 40.3% | -0.018%Below | $4,294Fees | ||||
VA Loans | 274 | 15.0% | -0.589%Below | $3,540Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume810
Mix44.3%
Spread
+0.497%Above
Fees
$3,952Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume736
Mix40.3%
Spread
-0.018%Below
Fees
$4,294Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume274
Mix15.0%
Spread
-0.589%Below
Fees
$3,540Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,815 | 99.3% | +0.169%Above | $4,100Fees | ||||
Refinance | — | 12 | 0.7% | +0.021%Above | $1,272Credit |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,815
Mix99.3%
Spread
+0.169%Above
Fees
$4,100Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume12
Mix0.7%
Spread
+0.021%Above
Fees
$1,272Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,827
Applications
2,560
Volume
$647 million
Pricing & Closing
Avg Rate Spread
+0.168%
vs. market APOR
Avg Net Fees
$4,053
Origination − Credits
Pullthrough Rate
71.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$354,584
Avg Borrower Income
$124,402
Avg Property Value
$429,417
Geographic Coverage
Geographic Performance
Metro Areas
20
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
7Full-year 2024 · HMDALoans originated
< 5050–200200–500500+None
Northeast1
PA
Midwest1
OH
South5
ALFLGAVAWV
Top Metro Areas by Place Specialization Score
Showing 10 of 20 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.