Applications / Mortgage Analytics / Lenders / Pennsylvania / RMC Home Mortgage
Wexford, PA · Independent non-bank lender · CFPB · 2,020 loans in 2025
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2,020
loans originated, 2025
2,778
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
RMC Home Mortgage lends almost only to home buyers, and nearly half its loans carry government backing, chiefly from the Federal Housing Administration (FHA).
Purchases made up 99.0% of its 2,020 loans. FHA loans were 35.9%, against 22.0% at similar lenders, independent non-banks making between half and twice as many loans. Loans guaranteed by the Department of Veterans Affairs (VA) were 13.6%, higher than at about nine in ten of them. Its typical rate, 6.49%, was lower than at about four in five, and higher-priced loans (a rate well above the average for similar loans) were 1.2%, against 2.2%.
Its share rose 0.2 points to 1.2% in Pittsburgh, where it ranked 22 of 571 lenders and PNC Bank leads. In Palm Bay-Melbourne-Titusville it ranked 15 of 573, with a share up 0.4 points to 1.5%. Columbus went the other way, slipping 0.1 points to 0.5%, a small move that could reflect where it chose to put its effort.
16.6% of its loans went to low- and moderate-income (LMI) borrowers, against 28.3% at similar lenders, and 10.2% were in majority-minority neighborhoods, against 25.3%. Its loans run somewhat larger than peers' ($350,000 against $315,000), and the make-up of the markets it serves may differ from theirs; either could account for the gap.
Loans rose 5% in 2025, slower than at similar lenders (9%) and in the whole market (10%). It has made between 1,652 and 2,020 loans a year since it first reported in 2022.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. RMC Home Mortgage took 2,778 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.0% · Refinance 1.0%
Conventional 50.1% · FHA 35.9% · VA 13.6% · USDA (RHS or FSA) 0.3% · of 2,020 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 1,129 | 55.9% |
| Ohio | 338 | 16.7% |
| Pennsylvania | 309 | 15.3% |
| West Virginia | 127 | 6.3% |
| Georgia | 41 | 2.0% |
| Alabama | 36 | 1.8% |
| Virginia | 27 | 1.3% |
| Kentucky | 12 | 0.6% |
| Indiana | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 308 |
| Palm Bay-Melbourne-Titusville | 229 |
| Columbus | 218 |
| Tampa | 131 |
| Deltona-Daytona Beach-Ormond Beach | 115 |
| Cincinnati | 112 |
| Lakeland-Winter Haven | 94 |
| Orlando-Kissimmee-Sanford | 89 |
| Homosassa Springs | 88 |
| Port St. Lucie | 82 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XFPZ54Y2QPYR56 | 2022–2025 |
Established 11 January 2021. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: RMC Home Mortgage's data.
RMC Home Mortgage's data
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RMC Home Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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