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William Raveis Mortgage

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

We analyzed every closed loan from William Raveis Mortgage — 756 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Strong
4/5
Multi-Region · 11 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA loans

Explore another lender or local market

Report Card

William Raveis Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+20.2 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
694 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
FHA
58 loans · 0.62% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
732 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
Refinance
24 loans · 0.20% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 12 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume694
Mix91.8%
Spread
+0.170%Above
Fees
$2,299Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume58
Mix7.7%
Spread
+0.620%Above
Fees
$2,510Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume732
Mix96.8%
Spread
+0.202%Above
Fees
$2,310Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Sound
Pull Through
Sound
Volume24
Mix3.2%
Spread
+0.201%Above
Fees
$2,382Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
756
Applications
1,029
Volume
$295 million
Pricing & Closing
Avg Rate Spread
+0.202%
vs. market APOR
Avg Net Fees
$2,312
Origination − Credits
Pullthrough Rate
73.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$390,979
Avg Borrower Income
$170,081
Avg Property Value
$549,048

Geographic Coverage

Geographic Performance

Metro Areas
11
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

10Full-year 2024 · HMDA
10 states with loan originations
Loans originated
< 5050–200200+None
Northeast8
CTMEMANHNJNYRIVT
South2
FLSC

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0
Hartford, CTMetro
Volume 176Mix 23.28% of portfolio
81/100
Exceptional
2© Quintin Soloviev · CC BY 4.0
Bridgeport, CTMetro
Volume 109Mix 14.42% of portfolio
80/100
Exceptional
3© Roman Eugeniusz · CC BY-SA 3.0
New Haven, CTMetro
Volume 84Mix 11.11% of portfolio
77/100
Strong
4© Daniel Case · CC BY-SA 3.0
Waterbury, CTMetro
Volume 63Mix 8.33% of portfolio
73/100
Strong
5© Bobphoenix · CC BY-SA 4.0
Norwich, CTMetro
Volume 33Mix 4.37% of portfolio
67/100
Strong
6© Luciof · CC BY-SA 3.0
Boston, MAMetro
Volume 74Mix 9.79% of portfolio
67/100
Strong
7© Percival Kestreltail · CC BY-SA 3.0
Cambridge, MAMetro
Volume 49Mix 6.48% of portfolio
60/100
Strong
8© John Phelan · CC BY 3.0
Barnstable Town, MAMetro
Volume 26Mix 3.44% of portfolio
55/100
Sound
9© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 38Mix 5.03% of portfolio
55/100
Sound
10© P,TO 19104 · CC BY-SA 4.0
Naples, FLMetro
Volume 17Mix 2.25% of portfolio
55/100
Sound
Showing 10 of 11 metro areas

Top States by Place Specialization Score

Connecticut
Connecticut
1
ConnecticutState
Volume 481Mix 63.62% of portfolio
86/100
Exceptional
Massachusetts
Massachusetts
2
MassachusettsState
Volume 181Mix 23.94% of portfolio
71/100
Strong
New York
New York
3
New YorkState
Volume 43Mix 5.69% of portfolio
53/100
Sound
Florida
Florida
4
FloridaState
Volume 34Mix 4.50% of portfolio
46/100
Sound

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
Champion(80%+ = 40-50 points)
Superstar
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.