R M K Financial Corp. Mortgage Rates, Fees & Info

ONTARIO, CA

LEI: 549300X72Q5WKCW2QQ95

Tax ID: 33-0750812

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

R M K Financial Corp. is a smaller mortgage company specializing in Refi, Cash Out Refi, and Home Purchase loans. R M K Financial Corp. has an average proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Riverside, Atlanta, Washington, and Tampa among others. We have data for 194 markets. (Some data included below & more in-depth data is available with an active subscription.)

R M K Financial Corp. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	6.27%	12/16/24
30 Year Conventional Refi	6.27%	12/16/24
30 Year Cash-out Refi	6.27%	12/16/24
30 Year FHA Purchase	6.27%	12/16/24
30 Year FHA Refi	6.27%	12/16/24
30 Year VA Purchase	6.27%	12/16/24
15 Year Conventional Purchase	5.68%	12/16/24
15 Year Conventional Refi	5.68%	12/16/24
15 Year Cash-out Refi	5.68%	12/16/24
15 Year FHA Refi	5.68%	12/16/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

R M K Financial Corp. Mortgage Calculator

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This is not an official calculator from R M K Financial Corp.. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

806

Origination Dollar Volume (All Markets)

$178,510,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	60	$21,940,000	$365,667	$0	4.60%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	71	$19,205,000	$270,493	$0	4.60%
Outside of Metro Areas	40	$6,400,000	$160,000	$0	4.03%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	28	$5,870,000	$209,643	$0	4.17%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	19	$5,335,000	$280,789	$0	4.05%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	24	$5,040,000	$210,000	$0	3.94%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	22	$4,880,000	$221,818	$0	3.76%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	19	$4,565,000	$240,263	$0	4.09%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	17	$4,405,000	$259,118	$0	4.21%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	19	$4,365,000	$229,737	$0	3.81%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	19	$3,425,000	$180,263	$0	4.00%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	16	$3,320,000	$207,500	$0	4.29%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	10	$2,670,000	$267,000	$0	3.65%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	12	$2,650,000	$220,833	$0	4.42%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	11	$2,385,000	$216,818	$0	4.88%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	7	$2,175,000	$310,714	$0	4.11%
KNOXVILLE, TN (FHA\|USDA\|VA)	16	$2,170,000	$135,625	$0	4.84%
JACKSONVILLE, FL (FHA\|USDA\|VA)	11	$2,055,000	$186,818	$0	4.34%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	10	$1,890,000	$189,000	$0	3.94%
STOCKTON, CA (FHA\|USDA\|VA)	6	$1,620,000	$270,000	$0	4.33%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	7	$1,525,000	$217,857	$0	4.29%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	7	$1,465,000	$209,286	$0	3.80%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	8	$1,420,000	$177,500	$0	3.89%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	6	$1,410,000	$235,000	$0	4.56%
MODESTO, CA (FHA\|USDA\|VA)	7	$1,345,000	$192,143	$0	4.92%
BAKERSFIELD, CA (FHA\|USDA\|VA)	6	$1,340,000	$223,333	$0	4.77%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	5	$1,275,000	$255,000	$0	4.33%
FRESNO, CA (FHA\|USDA\|VA)	7	$1,245,000	$177,857	$0	4.13%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	4	$1,210,000	$302,500	$0	3.72%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	5	$1,175,000	$235,000	$0	3.38%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	5	$1,155,000	$231,000	$0	4.18%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	6	$1,150,000	$191,667	$0	4.17%
RICHMOND, VA (FHA\|USDA\|VA)	7	$1,105,000	$157,857	$0	4.41%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	6	$1,100,000	$183,333	$0	4.63%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	5	$1,085,000	$217,000	$0	3.30%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	4	$970,000	$242,500	$0	4.34%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	3	$965,000	$321,667	$0	4.71%
HUNTSVILLE, AL (FHA\|USDA\|VA)	5	$955,000	$191,000	$0	4.13%
JACKSONVILLE, NC (FHA\|USDA\|VA)	5	$945,000	$189,000	$0	3.05%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	5	$885,000	$177,000	$0	3.50%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	3	$865,000	$288,333	$0	3.88%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	5	$855,000	$171,000	$0	3.70%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	3	$845,000	$281,667	$0	3.75%
SAVANNAH, GA (FHA\|USDA\|VA)	5	$835,000	$167,000	$0	3.73%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	4	$830,000	$207,500	$0	4.13%
VALLEJO, CA (FHA\|USDA\|VA)	4	$820,000	$205,000	$0	4.00%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	4	$780,000	$195,000	$0	4.03%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	3	$775,000	$258,333	$0	3.42%
COLUMBIA, SC (FHA\|USDA\|VA)	4	$770,000	$192,500	$0	4.25%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	3	$765,000	$255,000	$0	3.96%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	3	$745,000	$248,333	$0	4.17%
MOBILE, AL (FHA\|USDA\|VA)	5	$745,000	$149,000	$0	3.28%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	4	$740,000	$185,000	$0	3.19%
EL PASO, TX (FHA\|USDA\|VA)	5	$715,000	$143,000	$0	4.95%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	2	$690,000	$345,000	$0	3.75%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	3	$665,000	$221,667	$0	3.58%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	4	$660,000	$165,000	$0	3.96%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	4	$660,000	$165,000	$0	3.94%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	3	$585,000	$195,000	$0	4.46%
PITTSBURGH, PA (FHA\|USDA\|VA)	3	$555,000	$185,000	$0	4.92%
PUEBLO, CO (FHA\|USDA\|VA)	2	$530,000	$265,000	$0	4.19%
DOVER, DE (FHA\|USDA\|VA)	2	$520,000	$260,000	$0	4.38%
SALISBURY, MD-DE (FHA\|USDA\|VA)	2	$520,000	$260,000	$0	3.56%
GREENVILLE, NC (FHA\|USDA\|VA)	3	$475,000	$158,333	$0	4.08%
ALBANY-LEBANON, OR (FHA\|USDA\|VA)	2	$470,000	$235,000	$0	3.50%
ASHEVILLE, NC (FHA\|USDA\|VA)	2	$460,000	$230,000	$0	4.56%
Durango, CO (FHA\|USDA\|VA)	2	$430,000	$215,000	$0	4.88%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	2	$430,000	$215,000	$0	3.50%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	1	$425,000	$425,000	$0	5.25%
Coos Bay, OR (FHA\|USDA\|VA)	2	$410,000	$205,000	$0	3.25%
MORRISTOWN, TN (FHA\|USDA\|VA)	3	$405,000	$135,000	$0	5.17%
OCALA, FL (FHA\|USDA\|VA)	3	$405,000	$135,000	$0	3.92%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	3	$405,000	$135,000	$0	3.46%
MEDFORD, OR (FHA\|USDA\|VA)	2	$400,000	$200,000	$0	4.56%
Red Bluff, CA (FHA\|USDA\|VA)	2	$390,000	$195,000	$0	4.56%
Aberdeen, WA (FHA\|USDA\|VA)	1	$385,000	$385,000	$0	4.75%
Taos, NM (FHA\|USDA\|VA)	2	$380,000	$190,000	$0	5.19%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	2	$380,000	$190,000	$0	3.56%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	2	$380,000	$190,000	$0	4.25%
OLYMPIA-LACEY-TUMWATER, WA (FHA\|USDA\|VA)	2	$380,000	$190,000	$0	5.06%
THE VILLAGES, FL (FHA\|USDA\|VA)	2	$370,000	$185,000	$0	3.31%
St. Marys, GA (FHA\|USDA\|VA)	2	$370,000	$185,000	$0	4.06%
Ukiah, CA (FHA\|USDA\|VA)	1	$365,000	$365,000	$0	4.50%
Crescent City, CA (FHA\|USDA\|VA)	2	$360,000	$180,000	$0	4.75%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	2	$360,000	$180,000	$0	5.25%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	2	$360,000	$180,000	$0	4.38%
MONTGOMERY, AL (FHA\|USDA\|VA)	2	$360,000	$180,000	$0	4.00%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	2	$350,000	$175,000	$0	3.31%
MADERA, CA (FHA\|USDA\|VA)	1	$345,000	$345,000	$0	5.38%
NEW BERN, NC (FHA\|USDA\|VA)	3	$345,000	$115,000	$0	4.50%
Payson, AZ (FHA\|USDA\|VA)	2	$340,000	$170,000	$0	4.50%
SALEM, OR (FHA\|USDA\|VA)	2	$330,000	$165,000	$0	4.63%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	2	$320,000	$160,000	$0	4.50%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	2	$320,000	$160,000	$0	4.00%
MOUNT VERNON-ANACORTES, WA (FHA\|USDA\|VA)	1	$315,000	$315,000	$0	3.88%
MERCED, CA (FHA\|USDA\|VA)	2	$310,000	$155,000	$0	4.81%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	1	$305,000	$305,000	$0	4.88%
YUBA CITY, CA (FHA\|USDA\|VA)	1	$305,000	$305,000	$0	4.50%
LEBANON, PA (FHA\|USDA\|VA)	2	$300,000	$150,000	$0	2.75%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	3	$295,000	$98,333	$0	4.06%
BOULDER, CO (FHA\|USDA\|VA)	1	$295,000	$295,000	$0	2.75%
TUSCALOOSA, AL (FHA\|USDA\|VA)	2	$290,000	$145,000	$0	3.56%
Sayre, PA (FHA\|USDA\|VA)	2	$290,000	$145,000	$0	4.56%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	2	$290,000	$145,000	$0	3.25%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	5.38%
Kill Devil Hills, NC (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	5.25%
VICTORIA, TX (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	3.25%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	3.25%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	2	$280,000	$140,000	$0	5.25%
BLOOMSBURG-BERWICK, PA (FHA\|USDA\|VA)	1	$275,000	$275,000	$0	2.25%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	1	$275,000	$275,000	$0	4.25%
BATON ROUGE, LA (FHA\|USDA\|VA)	1	$275,000	$275,000	$0	4.88%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	1	$275,000	$275,000	$0	5.13%
Minden, LA (FHA\|USDA\|VA)	3	$275,000	$91,667	$0	5.08%
Sebastian-Vero Beach, FL (FHA\|USDA\|VA)	1	$265,000	$265,000	$0	4.38%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	2	$260,000	$130,000	$0	3.25%
SALINAS, CA (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	4.38%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	8.25%
GOLDSBORO, NC (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	4.38%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	4.38%
YAKIMA, WA (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	2.75%
FLORENCE-MUSCLE SHOALS, AL (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	4.25%
STATE COLLEGE, PA (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	4.25%
ANN ARBOR, MI (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	3.75%
WARNER ROBINS, GA (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	3.75%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	2	$240,000	$120,000	$0	4.56%
MADISON, WI (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	5.38%
GAINESVILLE, GA (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	4.88%
Cullman, AL (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	4.75%
Ruston, LA (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	5.25%
REDDING, CA (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	5.63%
LAWTON, OK (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	4.88%
EL CENTRO, CA (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	3.25%
NEW HAVEN-MILFORD, CT (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	3.75%
VALDOSTA, GA (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	2.25%
KALAMAZOO-PORTAGE, MI (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	4.38%
GAINESVILLE, FL (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	3.75%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	3.75%
ELKHART-GOSHEN, IN (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	3.75%
Elizabeth City, NC (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	3.75%
HINESVILLE, GA (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	3.75%
COLUMBUS, OH (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	4.88%
BLOOMINGTON, IL (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	4.88%
Cambridge, MD (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	4.38%
FORT WAYNE, IN (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	4.75%
LANCASTER, PA (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	5.25%
Klamath Falls, OR (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	3.75%
Roseburg, OR (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	2.75%
SANTA FE, NM (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	4.88%
Toccoa, GA (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	2.75%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	2	$190,000	$95,000	$0	4.44%
HANFORD-CORCORAN, CA (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	4.50%
VISALIA, CA (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	2.25%
Huntington, IN (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	4.88%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	4.88%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	4.25%
PUNTA GORDA, FL (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	2.75%
CHICO, CA (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	3.75%
ALEXANDRIA, LA (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	3.75%
RENO, NV (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	3.25%
DOTHAN, AL (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	2.25%
LOUISVILLE, KY (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	4.38%
TULSA, OK (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	4.00%
ATHENS-CLARKE COUNTY, GA (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	4.88%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	2.75%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	5.25%
Ludington, MI (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	3.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	4.25%
Henderson, NC (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	3.75%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	2.25%
READING, PA (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	2.75%
ELIZABETHTOWN-FORT KNOX, KY (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	3.25%
Sevierville, TN (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	3.75%
Kinston, NC (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	3.25%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	4.38%
Jasper, AL (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	2.75%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	4.25%
YORK-HANOVER, PA (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	3.25%
HAMMOND, LA (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	4.25%
Morehead City, NC (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	5.38%
PANAMA CITY, FL (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	3.25%
ROCKY MOUNT, NC (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	2.75%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	2.75%
Jesup, GA (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	3.75%
Athens, TN (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	3.88%
Somerset, PA (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	3.75%
Ellensburg, WA (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	2.75%
Searcy, AR (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	3.75%
Greeneville, TN (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	3.25%
MONROE, LA (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	3.75%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	4.13%
Bennettsville, SC (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	5.25%
TERRE HAUTE, IN (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	3.88%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	5.25%

R M K Financial Corp.'s top markets include Los Angeles, Riverside, Atlanta, Washington, and Tampa among others.

Their top states include:

California (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Georgia (FHA|USDA|VA)

North Carolina (FHA|USDA|VA)

Virginia (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
VA	465	$101,575,000	$218,441	$0	3.86%
Conventional	196	$43,590,000	$222,398	$0	4.63%
FHA	145	$33,345,000	$229,966	$0	4.70%

For 2018, R M K Financial Corp.'s most frequently originated type of loan was VA, with 465 originations. Their 2nd most popular type was Conventional, with 196 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	300	$64,350,000	$214,500	$0	3.48%
Cash Out Refi	280	$69,940,000	$249,786	$0	4.54%
Home Purchase	226	$44,220,000	$195,664	$0	4.73%

For 2018, R M K Financial Corp.'s most frequently cited loan purpose was Refi, with 300 originations. The 2nd most popular reason was Cash Out Refi, with 280 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	758	$169,010,000	$222,968	$0	4.19%
Other	26	$5,660,000	$217,692	$0	4.13%
15 Year	14	$2,360,000	$168,571	$0	4.02%
20 Year	8	$1,480,000	$185,000	$0	4.03%

For 2018, R M K Financial Corp.'s most frequently cited loan duration was 30 Year, with 758 originations. The 2nd most popular length was Other, with 26 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	252	$41,360,000	$164,127
$1k-2k	199	$38,595,000	$193,945
$5k+	123	$44,925,000	$365,244
$2k-3k	107	$22,785,000	$212,944
$3k-4k	66	$16,290,000	$246,818
$4k-5k	59	$14,555,000	$246,695

R M K Financial Corp.'s average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 252 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	304	$72,130,000	$237,270
3-4%	193	$42,665,000	$221,062
5-6%	149	$41,895,000	$281,174
2.5-3%	66	$12,110,000	$183,485
<2.5%	65	$8,875,000	$136,538
6-7%	2	$270,000	$135,000
Over 8%	1	$255,000	$255,000

During 2018, R M K Financial Corp.'s average interest rate for loans was 4.19%, while their most frequently originated rate bucket for loans was 4-5%, with 304 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	368	$100,990,000	$274,429	$0	4.25%
$100k-200k	288	$45,090,000	$156,563	$0	4.13%
$100,000 or less	101	$4,415,000	$43,713	$0	3.67%
$400k-600k	40	$17,860,000	$446,500	$0	4.73%
$600k-1MM	7	$4,645,000	$663,571	$0	4.77%
$1MM+	2	$5,510,000	$2,755,000	$0	5.25%

2018 saw R M K Financial Corp. place emphasis on $200k-400k loans with 368 originations, totaling $100,990,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	178	$44,630,000	$250,730	$0	4.59%
$50k-75k	125	$22,305,000	$178,440	$0	4.66%
$75k-100k	113	$25,025,000	$221,460	$0	4.59%
$50k or less	57	$7,165,000	$125,702	$0	4.83%
$150k-250k	52	$17,640,000	$339,231	$0	4.80%
$250k+	5	$6,905,000	$1,381,000	$0	4.98%

R M K Financial Corp. lent most frequently to those with incomes in the $100k-150k range, with 178 originations. The second most popular income band? $50k-75k, with 125 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
<20%	299	$56,385,000	$188,579	$0	3.26%
30-36%	69	$17,325,000	$251,087	$0	4.64%
50-60%	68	$17,670,000	$259,853	$0	4.58%
20-30%	55	$13,105,000	$238,273	$0	4.65%
44%	50	$11,900,000	$238,000	$0	4.87%
43%	30	$7,500,000	$250,000	$0	4.61%
41%	29	$6,865,000	$236,724	$0	4.96%
39%	27	$5,685,000	$210,556	$0	4.62%
42%	25	$6,085,000	$243,400	$0	4.72%
45%	25	$5,535,000	$221,400	$0	4.53%
49%	22	$5,650,000	$256,818	$0	4.63%
46%	19	$4,345,000	$228,684	$0	4.74%
40%	18	$4,150,000	$230,556	$0	4.81%
38%	17	$3,105,000	$182,647	$0	4.89%
37%	17	$3,785,000	$222,647	$0	4.91%
47%	12	$3,410,000	$284,167	$0	4.53%
48%	11	$2,805,000	$255,000	$0	4.99%
36%	9	$2,135,000	$237,222	$0	4.82%
>60%	4	$1,070,000	$267,500	$0	4.41%

R M K Financial Corp. lent most frequently to those with DTI ratios of <20%, with 299 originations. The next most common DTI ratio? 30-36%, with 69 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	358	$73,400,000	$205,028	$0	4.31%
Not provided	292	$64,530,000	$220,993	$0	3.91%
Black	120	$24,750,000	$206,250	$0	4.30%
Asian	31	$14,075,000	$454,032	$0	4.84%
Native Hawaiian or Islander	3	$1,335,000	$445,000	$0	5.08%
American Indian	2	$420,000	$210,000	$0	4.31%

Approval Rates

Total approvals of all applications
82.46%

R M K Financial Corp. has a below average approval rate.

Pick Rate

Approvals leading to origination
-89.58%

R M K Financial Corp. has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	806	$178,510,000	$221,476

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Single Family (1-4 Units):Manufactured	69	$11,115,000	$161,087
Single Family (1-4 Units):Site-Built	737	$167,395,000	$227,130

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	7	$925,000	$132,143	$0	4.93%
40-60%	24	$10,260,000	$427,500	$0	4.56%
60-80%	96	$24,150,000	$251,563	$0	4.77%
80-100%	426	$96,510,000	$226,549	$0	4.49%
Over 100%	196	$45,960,000	$234,490	$0	3.39%
Under 20%	57	$705,000	$12,368	$0	2.60%