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Meriwest Mortgage Company

Independent Mortgage Company•San Jose, CAHQ•Direct•Reviews near you on Google

Meriwest Mortgage Company has 71 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Single State · 4 mkts

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Meriwest Mortgage Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+27.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Sound
Volume56
Mix78.9%
Spread
+0.353%Above
Fees
$2,881Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through—
Volume15
Mix21.1%
Spread
-0.099%Below
Fees
$2,577Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Sound
Volume58
Mix81.7%
Spread
+0.334%Above
Fees
$3,196Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through—
Volume13
Mix18.3%
Spread
-0.004%Below
Fees
$1,035Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
71
Applications
91
Volume
$53 million
Pricing & Closing
Avg Rate Spread
+0.277%
vs. market APOR
Avg Net Fees
$2,830
Origination − Credits
Pullthrough Rate
78.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$751,761
Avg Borrower Income
$303,014
Avg Property Value
$1,130,493

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West1
CA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 23Mix 32.39% of portfolio
56/100
Sound
2© Basil D Soufi · CC BY-SA 4.0
San Francisco, CAMetro
Volume 15Mix 21.13% of portfolio
56/100
Sound
3© Basil D Soufi · CC BY-SA 3.0
Oakland, CAMetro
Volume 13Mix 18.31% of portfolio
51/100
Sound
4© Ben Loomis · CC BY 2.0
San Jose, CAMetro
Volume 11Mix 15.49% of portfolio
50/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 71Mix 100.00% of portfolio
62/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.