# RESIDENTIAL WHOLESALE MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/residential-wholesale-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


RESIDENTIAL WHOLESALE MORTGAGE, INC. is a independent mortgage company, headquartered in SAN DIEGO, CA, serving borrowers across 22 states, with 914 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 69% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300MUXFVZKH4XLG17
- **Headquarters:** SAN DIEGO, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 22
- **State List:** AL, AR, AZ, CA, CO, FL, GA, ID, IL, IN, KY, MI, MN, NC, NV, OH, OR, SC, TN, TX, UT, WA
- **Markets (MSAs):** 18
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.286%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,047
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 914
- **Dollar Volume:** $425 million
- **Applications Received:** 1,310
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $465,503
- **Average Borrower Income:** $166,925
- **Average Property Value:** $621,761

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 541 | +0.276% | $2,988 | Strong 😀 |
| FHA | 72/100 | 236 | +0.512% | $3,645 | Strong 😀 |
| VA | 69/100 | 93 | -0.223% | $2,227 | Strong 😀 |
| Jumbo | 67/100 | 26 | +0.318% | $2,280 | Strong 😀 |
| USDA | 76/100 | 18 | +0.346% | $1,986 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 463 loans, Score: 65/100 (Strong)
- Refinance: 78 loans, Score: 54/100 (Sound)

**FHA:**
- Purchase: 215 loans, Score: 72/100 (Strong)
- Refinance: 21 loans, Score: 69/100 (Strong)

**VA:**
- Purchase: 88 loans, Score: 69/100 (Strong)

**Jumbo:**
- Purchase: 23 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 807 | $377M | +0.304% | Strong 😀 |
| Refinance | 54/100 | 107 | $49M | +0.174% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 438 | 0.15% | 73/100 |
| WA | 79 | 0.09% | 62/100 |
| AZ | 64 | 0.06% | 58/100 |
| CO | 52 | 0.06% | 55/100 |
| UT | 44 | 0.10% | 56/100 |
| NC | 37 | 0.03% | 49/100 |
| NV | 34 | 0.08% | 54/100 |
| OH | 27 | 0.02% | 47/100 |
| TX | 27 | 0.01% | 43/100 |
| TN | 24 | 0.03% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Diego | CA | 161 | 74/100 |
| Riverside | CA | 117 | 68/100 |
| Non |  | 59 | 43/100 |
| Visalia, CA | CA | 52 | 69/100 |
| Bellingham, WA | WA | 50 | 71/100 |
| Fresno, CA | CA | 36 | 59/100 |
| Las Vegas | NV | 26 | 52/100 |
| Colorado Springs, CO | CO | 23 | 51/100 |
| Lake Havasu City | AZ | 22 | 57/100 |
| Yuma, AZ | AZ | 22 | 55/100 |
| Denver | CO | 17 | 45/100 |
| Phoenix | AZ | 17 | 44/100 |
| Nashville | TN | 15 | 44/100 |
| Los Angeles | CA | 14 | 42/100 |
| Sacramento | CA | 13 | 43/100 |

## Where This Lender Ranks

RESIDENTIAL WHOLESALE MORTGAGE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Yuma, AZ for USDA Loans
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/usda-loans)
- 🏆 **#6** in Yuma, AZ for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#8** in Bellingham, WA for FHA Loans
  - [View Full Rankings](https://saferate.com/bellingham-wa/best-mortgage-lenders/fha-loans)
- 🏆 **#8** in Bellingham, WA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bellingham-wa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in Bellingham, WA Mortgage Companies
  - [View Full Rankings](https://saferate.com/bellingham-wa/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Visalia, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Yuma, AZ Mortgage Companies
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Yuma, AZ for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Yuma, AZ for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#14** in Yuma, AZ for FHA Loans
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/fha-loans)
- 🏆 **#15** in Visalia, CA
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders)
- 🏆 **#15** in Bellingham, WA
  - [View Full Rankings](https://saferate.com/bellingham-wa/best-mortgage-lenders)
- 🏆 **#16** in Yuma, AZ
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders)
- 🏆 **#17** in Visalia, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#17** in Visalia, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Yuma, AZ for Conventional Loans
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Lake Havasu City Mortgage Companies
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/mortgage-companies)
- 🏆 **#19** in Lake Havasu City for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#20** in Bellingham, WA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bellingham-wa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#20** in Lake Havasu City for FHA Loans
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does RESIDENTIAL WHOLESALE MORTGAGE, INC. offer?

RESIDENTIAL WHOLESALE MORTGAGE, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does RESIDENTIAL WHOLESALE MORTGAGE, INC. offer mortgages?

RESIDENTIAL WHOLESALE MORTGAGE, INC. offers mortgages in 22 states: AL, AR, AZ, CA, CO, FL, GA, ID, IL, IN, KY, MI, MN, NC, NV, OH, OR, SC, TN, TX, UT, WA.

### How competitive are RESIDENTIAL WHOLESALE MORTGAGE, INC.'s mortgage rates?

RESIDENTIAL WHOLESALE MORTGAGE, INC. has a pricing score of 31/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.286% above market average.

### What type of lender is RESIDENTIAL WHOLESALE MORTGAGE, INC.?

RESIDENTIAL WHOLESALE MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in SAN DIEGO, CA.

### What is RESIDENTIAL WHOLESALE MORTGAGE, INC.'s loan approval success rate?

RESIDENTIAL WHOLESALE MORTGAGE, INC. has a pull-through score of 60/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/residential-wholesale-mortgage

### How to Cite

> "RESIDENTIAL WHOLESALE MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/residential-wholesale-mortgage

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