What loan types does RMS & Associates offer?

RMS & Associates offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does RMS & Associates offer mortgages?

RMS & Associates offers mortgages in 2 states: CA, NV.

How competitive are RMS & Associates's mortgage rates?

RMS & Associates has an overall pricing score of 9.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is RMS & Associates?

RMS & Associates is a Independent Mortgage Company headquartered in LAS VEGAS, NV.

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RMS & Associates

Independent Mortgage Company•Las Vegas, NVHQ•Direct•Reviews near you on Google

RMS & Associates has 148 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional

Place

Exceptional

5/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Things to Think About

Rates typically 69 basis points above market average
Higher than average fees ($5,037)

Explore another lender or local market

Report Card

RMS & Associates performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+68.6 bps above market avg

1/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

74 loans · 0.55% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

65 loans · 0.87% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

126 loans · 0.74% above market

Sound

Top 60% of lenders

3/5

Refinance

22 loans · 0.35% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Exceptional

Top 20% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Strong	74	50.0%	+0.552%Above	$4,855Fees
FHA Loans	Sound	Strong	Mediocre	Exceptional	65	43.9%	+0.873%Above	$5,128Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Strong

Volume74

Mix50.0%

Spread

+0.552%Above

Fees

$4,855Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Exceptional

Volume65

Mix43.9%

Spread

+0.873%Above

Fees

$5,128Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Mediocre	Strong	126	85.1%	+0.738%Above	$5,037Fees
Refinance	Sound	Acceptable	—	Strong	22	14.9%	+0.351%Above	$5,035Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Mediocre

Pull Through

Strong

Volume126

Mix85.1%

Spread

+0.738%Above

Fees

$5,037Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Strong

Volume22

Mix14.9%

Spread

+0.351%Above

Fees

$5,035Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

148

Applications

150

Volume

$52 million

Pricing & Closing

Avg Rate Spread

+0.686%

vs. market APOR

Avg Net Fees

$5,037

Origination − Credits

Pullthrough Rate

98.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$353,581

Avg Borrower Income

$113,730

Avg Property Value

$438,243

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 100100+None

West2

CANV

Top Metro Areas by Place Specialization Score

Las Vegas, NVMetro

Volume 140Mix 94.59% of portfolio

81/100

Exceptional

Top States by Place Specialization Score

NevadaState

Volume 145Mix 97.97% of portfolio

79/100

Strong

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.