RMC Home Mortgage
We analyzed every closed loan from RMC Home Mortgage — 1.8k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 20 mkts
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,053)
Explore another lender or local market
Report Card
RMC Home Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+16.8 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 21 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 810 | 44.3% | +0.497%Above | $3,952Fees | ||||
FHA Loans | 736 | 40.3% | -0.018%Below | $4,294Fees | ||||
VA Loans | 274 | 15.0% | -0.589%Below | $3,540Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume810
Mix44.3%
Spread
+0.497%Above
Fees
$3,952Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume736
Mix40.3%
Spread
-0.018%Below
Fees
$4,294Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume274
Mix15.0%
Spread
-0.589%Below
Fees
$3,540Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,815 | 99.3% | +0.169%Above | $4,100Fees | ||||
Refinance | — | 12 | 0.7% | +0.021%Above | $1,272Credit |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,815
Mix99.3%
Spread
+0.169%Above
Fees
$4,100Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume12
Mix0.7%
Spread
+0.021%Above
Fees
$1,272Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,827
Applications
2,560
Volume
$647 million
Pricing & Closing
Avg Rate Spread
+0.168%
vs. market APOR
Avg Net Fees
$4,053
Origination − Credits
Pullthrough Rate
71.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$354,584
Avg Borrower Income
$124,402
Avg Property Value
$429,417
Geographic Coverage
Geographic Performance
Metro Areas
20
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
7Northeast1
PA
Midwest1
OH
South5
ALFLGAVAWV
Top Metro Areas by Place Specialization Score
Volume 51Mix 2.79% of portfolio
82/100
Exceptional
Volume 236Mix 12.92% of portfolio
81/100
Exceptional
Volume 144Mix 7.88% of portfolio
81/100
Exceptional
Volume 128Mix 7.01% of portfolio
80/100
Strong
Volume 240Mix 13.14% of portfolio
80/100
Strong
Volume 57Mix 3.12% of portfolio
79/100
Strong
Volume 138Mix 7.55% of portfolio
78/100
Strong
Volume 63Mix 3.45% of portfolio
75/100
Strong
Volume 111Mix 6.08% of portfolio
74/100
Strong
Volume 48Mix 2.63% of portfolio
69/100
StrongShowing 10 of 20 metro areas
Top States by Place Specialization Score
1
FloridaState
Volume 1,176Mix 64.37% of portfolio
82/100
Exceptional2
OhioState
Volume 311Mix 17.02% of portfolio
72/100
Strong3
PennsylvaniaState
Volume 237Mix 12.97% of portfolio
71/100
Strong4
West VirginiaState
Volume 49Mix 2.68% of portfolio
61/100
Strong5
AlabamaState
Volume 34Mix 1.86% of portfolio
51/100
Sound6
GeorgiaState
Volume 19Mix 1.04% of portfolio
42/100
SoundHow 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.