P
Pulte Mortgage's 19.3k closed loans and 27k applications, benchmarked against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Exceptional
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
Near-National · 50 mkts
Safe Rate Awards💎Conventional Champion💎FHA Champion💎Purchase Champion⭐VA Superstar⭐Jumbo Superstar
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Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
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Report Card
Pulte Mortgage LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Market Leader +10.2 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
USDA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Near-National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 14,050 | 72.7% | +0.138%Above | $169Fees | ||||
FHA Loans | 3,032 | 15.7% | -0.231%Below | $319Fees | ||||
VA Loans | 1,984 | 10.3% | -0.359%Below | $297Fees | ||||
Jumbo Loans | 231 | 1.2% | +0.098%Above | $176Credit | ||||
USDA Loans | — | 30 | 0.2% | — | — |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 19,327 | 100.0% | +0.102%Above | $173Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
19,327
Applications
27,168
Volume
$8 billion
Pricing & Closing
Avg Rate Spread
+0.102%
vs. market APOR
Avg Net Fees
$173
Origination − Credits
Pullthrough Rate
71.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$424,043
Avg Borrower Income
$170,886
Avg Property Value
$560,340
Geographic Coverage
Geographic Performance
Metro Areas
50
States Served
26
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
North Port, FLMSA
Volume: 694Mix: 3.59%of portfolio
Place
Exceptional2
Austin, TXMSA
Volume: 930Mix: 4.81%of portfolio
Place
Exceptional3
Las Vegas, NVMSA
Volume: 922Mix: 4.77%of portfolio
Place
Exceptional4
Hilton Head Island, SCMSA
Volume: 262Mix: 1.36%of portfolio
Place
Exceptional5
Naples, FLMSA
Volume: 195Mix: 1.01%of portfolio
Place
Exceptional6
Orlando, FLMSA
Volume: 946Mix: 4.89%of portfolio
Place
Exceptional7
Charleston, SCMSA
Volume: 344Mix: 1.78%of portfolio
Place
Exceptional8
Dallas, TXMSA
Volume: 1,048Mix: 5.42%of portfolio
Place
Exceptional9
Jacksonville, FL, FLMSA
Volume: 583Mix: 3.02%of portfolio
Place
Exceptional10
Raleigh, NCMSA
Volume: 530Mix: 2.74%of portfolio
Place
ExceptionalShowing 10 of 50 metro areas
Top States by Place Specialization Score
1
NVState
Volume: 922Mix: 4.77%of portfolio
Place
Exceptional2
TXState
Volume: 3,838Mix: 19.86%of portfolio
Place
Exceptional3
FLState
Volume: 4,164Mix: 21.54%of portfolio
Place
Exceptional4
SCState
Volume: 1,017Mix: 5.26%of portfolio
Place
Exceptional5
AZState
Volume: 1,284Mix: 6.64%of portfolio
Place
Exceptional6
NCState
Volume: 1,215Mix: 6.29%of portfolio
Place
Strong7
GAState
Volume: 887Mix: 4.59%of portfolio
Place
Strong8
OHState
Volume: 972Mix: 5.03%of portfolio
Place
Strong9
NMState
Volume: 305Mix: 1.58%of portfolio
Place
Strong10
INState
Volume: 642Mix: 3.32%of portfolio
Place
StrongShowing 10 of 24 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.