What loan types does RMS & Associates offer?

RMS & Associates offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 9.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is RMS & Associates?

RMS & Associates is a Independent Mortgage Company headquartered in LAS VEGAS, NV.

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RMS & Associates

Independent Mortgage Company•Las Vegas, NVHQ•Direct•Reviews near you on Google

RMS & Associates has 148 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

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional

Place

Exceptional

5/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Things to Think About

Rates typically 69 basis points above market average
Higher than average fees ($5,037)

Explore another lender or local market

Report Card

RMS & Associates performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+68.6 bps above market avg

1/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

74 loans · 0.55% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

65 loans · 0.87% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

126 loans · 0.74% above market

Sound

Top 60% of lenders

3/5

Refinance

22 loans · 0.35% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Exceptional

Top 20% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Strong	74	50.0%	+0.552%Above	$4,855Fees
FHA Loans	Sound	Strong	Mediocre	Exceptional	65	43.9%	+0.873%Above	$5,128Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Strong

Volume74

Mix50.0%

Spread

+0.552%Above

Fees

$4,855Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Exceptional

Volume65

Mix43.9%

Spread

+0.873%Above

Fees

$5,128Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Mediocre	Strong	126	85.1%	+0.738%Above	$5,037Fees
Refinance	Sound	Acceptable	—	Strong	22	14.9%	+0.351%Above	$5,035Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Mediocre

Pull Through

Strong

Volume126

Mix85.1%

Spread

+0.738%Above

Fees

$5,037Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Strong

Volume22

Mix14.9%

Spread

+0.351%Above

Fees

$5,035Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

148

Applications

150

Volume

$52 million

Pricing & Closing

Avg Rate Spread

+0.686%

vs. market APOR

Avg Net Fees

$5,037

Origination − Credits

Pullthrough Rate

98.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$353,581

Avg Borrower Income

$113,730

Avg Property Value

$438,243

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 100100+None

West2

CANV

Top Metro Areas by Place Specialization Score

Las Vegas, NVMetro

Volume 140Mix 94.59% of portfolio

81/100

Exceptional

Top States by Place Specialization Score

NevadaState

Volume 145Mix 97.97% of portfolio

79/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

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.