Rm Actual Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
29th15.9% deniedPricingmedian rate spread over APOR, weight 30%
38th0.36 ptsProcesswithdrawn + incomplete share, weight 15%
59th9.6%Closing coststotal loan costs ÷ loan amount, weight 10%
2nd6.22% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 334 | 236 | 16.5% | 18.8% | 6.75% | $27M |
| 2024 | 337 | 249 | 11.9% | 13.6% | 6.75% | $32M |
| 2025 | 396 | 301 | 14.4% | 15.9% | 6.25% | $44M |
What Rm Actual Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 6 investment properties.
Why Rm Actual Mortgage denies applications
Primary reason reported for each of the 57 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Rm Actual Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 247 | 192 | 13.9% |
| $50k – $100k | 112 | 79 | 21.8% |
| $100k – $150k | 26 | 21 | 8.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 30 | 26 | 7.1% |
| 25–34 | 187 | 147 | 15.5% |
| 35–44 | 96 | 75 | 12.8% |
| 45–54 | 42 | 28 | 17.7% |
| 55–64 | 29 | 18 | 25.0% |
Where Rm Actual Mortgage lends
1 states and 49 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Puerto Rico | 396 | 301 | 14.4% | 6.25% | #13 |
Frequently asked questions
Rm Actual Mortgage denied 15.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 29th percentile of small mortgage lenders.
The most common reason Rm Actual Mortgage gave in 2025 was "collateral", cited on 54.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Rm Actual Mortgage originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.36 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 95% of its applications were for home purchases, 5% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 10% conventional, 63% FHA, 7% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.