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RMC HOME MORTGAGE, LLC
Independent Mortgage Company|TALLAHASSEE, FL|Multi-Region
Loans Originated
1,827
Applications
2,560
Volume
$647 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.168%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,053
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.4%
Percentage of applications that result in closed loans
Safe Rate's 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)
Report Card
RMC HOME MORTGAGE, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Strong | Multi-Regional · 21 metro areas · 7 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$354,584
Average Borrower Income
$124,402
Average Property Value
$429,417
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Strong | Mediocre | Sound | 810 | 44.3% | +0.497% | $3,952 |
FHA Loans | Strong | Exceptional | Sound | Strong | 736 | 40.3% | -0.018% | $4,294 |
VA Loans | Strong | Strong | Sound | Strong | 274 | 15.0% | -0.589% | $3,540 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Sound | 1,815 | 99.3% | +0.169% | $4,100 |
Refinance | Acceptable | Acceptable | N/A | Acceptable | 12 | 0.7% | +0.021% | -$1,272 |
Geographic Coverage
Metro Areas
20
States Served
7
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALFLGAOHPAVAWV
Top Metro Areas by Place Specialization Score
1
Sebastian, FLMSA
Volume: 51Mix: 2.79%
Place Specialization
Exceptional
2
Pittsburgh, PA, PAMSA
Volume: 236Mix: 12.92%
Place Specialization
Exceptional
3
Deltona, FLMSA
Volume: 144Mix: 7.88%
Place Specialization
Exceptional
4
Port St. Lucie, FL, FLMSA
Volume: 128Mix: 7.01%
Place Specialization
Strong
5
Columbus, OH, OHMSA
Volume: 240Mix: 13.14%
Place Specialization
Strong
6
Homosassa Springs, FL, FLMSA
Volume: 57Mix: 3.12%
Place Specialization
Strong
7
Palm Bay, FLMSA
Volume: 138Mix: 7.55%
Place Specialization
Strong
8
Punta Gorda, FL, FLMSA
Volume: 63Mix: 3.45%
Place Specialization
Strong
9
Lakeland, FLMSA
Volume: 111Mix: 6.08%
Place Specialization
Strong
10
Gainesville, FL, FLMSA
Volume: 48Mix: 2.63%
Place Specialization
Strong
Showing 10 of 20 metro areas
Top States by Place Specialization Score
1
FLState
Volume: 1,176Mix: 64.37%
Place Specialization
Exceptional
2
OHState
Volume: 311Mix: 17.02%
Place Specialization
Strong
3
PAState
Volume: 237Mix: 12.97%
Place Specialization
Strong
4
WVState
Volume: 49Mix: 2.68%
Place Specialization
Strong
5
ALState
Volume: 34Mix: 1.86%
Place Specialization
Sound
6
GAState
Volume: 19Mix: 1.04%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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