Residential Wholesale Mortgage
We analyzed every closed loan from Residential Wholesale Mortgage — 914 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Multi-Region · 17 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Residential Wholesale Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+28.6 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
541 loans · 0.28% above market
Strong
Top 40% of lenders
4/5
FHA
236 loans · 0.51% above market
Strong
Top 40% of lenders
4/5
VA
93 loans · 0.22% below market
Strong
Top 40% of lenders
4/5
Jumbo
26 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
USDA
18 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
807 loans · 0.30% above market
Strong
Top 40% of lenders
4/5
Refinance
107 loans · 0.17% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 18 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 541 | 59.2% | +0.276%Above | $2,988Fees | ||||
FHA Loans | 236 | 25.8% | +0.512%Above | $3,645Fees | ||||
VA Loans | 93 | 10.2% | -0.223%Below | $2,227Fees | ||||
Jumbo Loans | — | 26 | 2.8% | +0.318%Above | $2,280Fees | |||
USDA Loans | — | 18 | 2.0% | +0.346%Above | $1,986Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume541
Mix59.2%
Spread
+0.276%Above
Fees
$2,988Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume236
Mix25.8%
Spread
+0.512%Above
Fees
$3,645Fees
VA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume93
Mix10.2%
Spread
-0.223%Below
Fees
$2,227Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume26
Mix2.8%
Spread
+0.318%Above
Fees
$2,280Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume18
Mix2.0%
Spread
+0.346%Above
Fees
$1,986Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 807 | 88.3% | +0.304%Above | $3,196Fees | ||||
Refinance | 107 | 11.7% | +0.174%Above | $2,112Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume807
Mix88.3%
Spread
+0.304%Above
Fees
$3,196Fees
Refinance
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume107
Mix11.7%
Spread
+0.174%Above
Fees
$2,112Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
914
Applications
1,310
Volume
$425 million
Pricing & Closing
Avg Rate Spread
+0.286%
vs. market APOR
Avg Net Fees
$3,047
Origination − Credits
Pullthrough Rate
69.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$465,503
Avg Borrower Income
$166,925
Avg Property Value
$621,761
Geographic Coverage
Geographic Performance
Metro Areas
17
markets with activity
States Served
22
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
22Full-year 2024 · HMDALoans originated
< 2020–5050+None
Midwest5
ILINMIMNOH
South9
ALARFLGAKYNCSCTNTX
West8
AZCACOIDNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 17 metro areas
Top States by Place Specialization Score
Showing 10 of 13 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
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 SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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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.