# RMS & ASSOCIATES

> **Canonical URL:** https://saferate.com/lenders/rms-associates


> **📋 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


RMS & ASSOCIATES is a independent mortgage company, headquartered in LAS VEGAS, NV, serving borrowers across 2 states, with 148 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 90% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900FSIRD1E5MR0U30
- **Headquarters:** LAS VEGAS, NV
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** CA, NV
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 10/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.686%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,037
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 148
- **Dollar Volume:** $52 million
- **Applications Received:** 150
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $353,581
- **Average Borrower Income:** $113,730
- **Average Property Value:** $438,243

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 32/100 | 74 | +0.552% | $4,855 | Acceptable 🙂 |
| FHA | 62/100 | 65 | +0.873% | $5,128 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 60 loans, Score: 32/100 (Acceptable)

**FHA:**
- Purchase: 57 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 126 | $47M | +0.738% | Sound ☺️ |
| Refinance | 36/100 | 22 | $5M | +0.351% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NV | 145 | 0.36% | 79/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Las Vegas | NV | 140 | 81/100 |

## Frequently Asked Questions

### What loan types does RMS & ASSOCIATES offer?

RMS & ASSOCIATES offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 10/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.686% above market average.

### What type of lender is RMS & ASSOCIATES?

RMS & ASSOCIATES is a non-depository lender that specializes in mortgage origination, headquartered in LAS VEGAS, NV.

### What is RMS & ASSOCIATES's loan approval success rate?

RMS & ASSOCIATES has a pull-through score of 60/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/rms-associates

### How to Cite

> "RMS & ASSOCIATES Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/rms-associates

---

**[View Interactive Profile →](https://saferate.com/lenders/rms-associates)**