# R. F. Mortgage & Investment Corporation

> **Canonical URL:** https://saferate.com/lenders/r-f-mortgage-investment


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


R. F. Mortgage & Investment Corporation is a independent mortgage company, headquartered in San Juan, PR, with 260 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 85% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 14% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300EEBMJ68MB8P551
- **Headquarters:** San Juan, PR
- **Geographic Reach:** unknown
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 15/100
- Rating: ●○○○○ (1/5)

### Pull Through: Exceptional 🤩
- Score: 86/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.938%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,557
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 260
- **Dollar Volume:** $49 million
- **Applications Received:** 314
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $186,962
- **Average Borrower Income:** $100,742
- **Average Property Value:** $242,923

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 119 | +1.262% | $4,004 | Sound ☺️ |
| FHA | 68/100 | 100 | +0.896% | $3,542 | Strong 😀 |
| USDA | 78/100 | 29 | - | - | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 108 loans, Score: 52/100 (Sound)

**FHA:**
- Purchase: 93 loans, Score: 67/100 (Strong)

**USDA:**
- Purchase: 29 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 59/100 | 240 | $42M | +0.988% | Sound ☺️ |
| Refinance | 44/100 | 20 | $7M | +0.536% | Sound ☺️ |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Juan | PR | 234 | 82/100 |
| Non |  | 11 | 23/100 |

## Where This Lender Ranks

R. F. Mortgage & Investment Corporation appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in San Juan for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#4** in San Juan for Jumbo Loans
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/jumbo-loans)
- 🏆 **#7** in San Juan for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in San Juan for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#9** in San Juan Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/mortgage-companies)
- 🏆 **#9** in San Juan for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in San Juan for Conventional Loans
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in San Juan for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#11** in San Juan for USDA Loans
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/usda-loans)
- 🏆 **#12** in San Juan for FHA Loans
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in San Juan
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders)
- 🏆 **#15** in San Juan for VA Loans
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does R. F. Mortgage & Investment Corporation offer?

R. F. Mortgage & Investment Corporation offers the following mortgage loan types: FHA, Conventional, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### How competitive are R. F. Mortgage & Investment Corporation's mortgage rates?

R. F. Mortgage & Investment Corporation has a pricing score of 15/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.938% above market average.

### What type of lender is R. F. Mortgage & Investment Corporation?

R. F. Mortgage & Investment Corporation is a non-depository lender that specializes in mortgage origination, headquartered in San Juan, PR.

### What is R. F. Mortgage & Investment Corporation's loan approval success rate?

R. F. Mortgage & Investment Corporation has a pull-through score of 86/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/r-f-mortgage-investment

### How to Cite

> "R. F. Mortgage & Investment Corporation Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/r-f-mortgage-investment

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