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 score and performance metrics.

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

R. F. Mortgage & Investment Corporation has an overall pricing score of 14.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

R. F. Mortgage & Investment Corporation is a Independent Mortgage Company headquartered in San Juan, PR.

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R. F. Mortgage & Investment Corporation

Independent Mortgage Company•San Juan, PRHQ•Direct•Reviews near you on Google

R. F. Mortgage & Investment Corporation has 260 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

Exceptional

5/5

closing strength

Product

Strong

4/5

FHA · Conventional · USDA

Place

Exceptional

5/5

unknown · 1 mkts

Summary

What They Do Well

Strong pull through performance
Particularly strong in FHA and USDA loans

Things to Think About

Rates typically 94 basis points above market average

Explore another lender or local market

Report Card

R. F. Mortgage & Investment Corporation performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+93.8 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Strong

Top 40% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Varies · 2 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	—	Exceptional	119	45.8%	+1.262%Above	$4,004Fees
FHA Loans	Strong	Strong	—	Exceptional	100	38.5%	+0.896%Above	$3,542Fees
USDA Loans	Exceptional	Strong	—	Exceptional	29	11.2%	—	—

Conventional

Overall

Strong

Product

Sound

Pricing—

Pull Through

Exceptional

Volume119

Mix45.8%

Spread

+1.262%Above

Fees

$4,004Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Exceptional

Volume100

Mix38.5%

Spread

+0.896%Above

Fees

$3,542Fees

USDA Loans

Overall

Exceptional

Product

Strong

Pricing—

Pull Through

Exceptional

Volume29

Mix11.2%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Mediocre	Exceptional	240	92.3%	+0.988%Above	$3,698Fees
Refinance	Strong	Sound	—	Strong	20	7.7%	+0.536%Above	$2,432Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Mediocre

Pull Through

Exceptional

Volume240

Mix92.3%

Spread

+0.988%Above

Fees

$3,698Fees

Refinance

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume20

Mix7.7%

Spread

+0.536%Above

Fees

$2,432Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

260

Applications

314

Volume

$48 million

Pricing & Closing

Avg Rate Spread

+0.938%

vs. market APOR

Avg Net Fees

$3,557

Origination − Credits

Pullthrough Rate

82.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$186,962

Avg Borrower Income

$100,742

Avg Property Value

$242,923

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

Top Metro Areas by Place Specialization Score

San Juan, PRMetro

Volume 234Mix 90.00% of portfolio

82/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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.