Rocky Mountain Mortgage Company
We analyzed every closed loan from Rocky Mountain Mortgage Company — 524 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Summary
What They Do Well
- Offers rates 18.40 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in FHA and VA loans
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Report Card
Rocky Mountain Mortgage Company performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 57 | 10.9% | +0.129%Above | $1,613Fees | ||||
FHA Loans | 263 | 50.2% | -0.035%Below | $1,986Fees | ||||
VA Loans | 204 | 38.9% | -0.831%Below | $1,007Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 523 | 99.8% | -0.188%Below | $1,700Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
2Full-year 2024 · HMDATop Metro Areas 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)
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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