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PULTE MORTGAGE LLC
Independent Mortgage Company|WILMINGTON, DE|Near-National
Loans Originated
19,327
Applications
27,168
Volume
$8 billion
Offers loans directly to consumersHomebuilder Lender
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards💎Conventional Champion💎FHA Champion💎Purchase Champion⭐VA Superstar⭐Jumbo Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.102%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$173
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.1%
Percentage of applications that result in closed loans
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
Report Card
PULTE MORTGAGE LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Near-National · 50 metro areas · 26 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$424,043
Average Borrower Income
$170,886
Average Property Value
$560,340
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Exceptional | Exceptional | Exceptional | Strong | 14,050 | 72.7% | +0.138% | $169 |
FHA Loans | Exceptional | Exceptional | Exceptional | Strong | 3,032 | 15.7% | -0.231% | $319 |
VA Loans | Strong | Exceptional | Strong | Strong | 1,984 | 10.3% | -0.359% | $297 |
Jumbo Loans | Strong | Exceptional | Exceptional | Sound | 231 | 1.2% | +0.098% | -$176 |
USDA Loans | Strong | Strong | N/A | Strong | 30 | 0.2% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Exceptional | Exceptional | Exceptional | Strong | 19,327 | 100.0% | +0.102% | $173 |
Geographic Coverage
Metro Areas
50
States Served
26
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
North Port, FLMSA
Volume: 694Mix: 3.59%
Place Specialization
Exceptional
2
Austin, TXMSA
Volume: 930Mix: 4.81%
Place Specialization
Exceptional
3
Las Vegas, NVMSA
Volume: 922Mix: 4.77%
Place Specialization
Exceptional
4
Hilton Head Island, SCMSA
Volume: 262Mix: 1.36%
Place Specialization
Exceptional
5
Naples, FLMSA
Volume: 195Mix: 1.01%
Place Specialization
Exceptional
6
Orlando, FLMSA
Volume: 946Mix: 4.89%
Place Specialization
Exceptional
7
Charleston, SCMSA
Volume: 344Mix: 1.78%
Place Specialization
Exceptional
8
Dallas, TXMSA
Volume: 1,048Mix: 5.42%
Place Specialization
Exceptional
9
Jacksonville, FL, FLMSA
Volume: 583Mix: 3.02%
Place Specialization
Exceptional
10
Raleigh, NCMSA
Volume: 530Mix: 2.74%
Place Specialization
Exceptional
Showing 10 of 50 metro areas
Top States by Place Specialization Score
1
NVState
Volume: 922Mix: 4.77%
Place Specialization
Exceptional
2
TXState
Volume: 3,838Mix: 19.86%
Place Specialization
Exceptional
3
FLState
Volume: 4,164Mix: 21.54%
Place Specialization
Exceptional
4
SCState
Volume: 1,017Mix: 5.26%
Place Specialization
Exceptional
5
AZState
Volume: 1,284Mix: 6.64%
Place Specialization
Exceptional
6
NCState
Volume: 1,215Mix: 6.29%
Place Specialization
Strong
7
GAState
Volume: 887Mix: 4.59%
Place Specialization
Strong
8
OHState
Volume: 972Mix: 5.03%
Place Specialization
Strong
9
NMState
Volume: 305Mix: 1.58%
Place Specialization
Strong
10
INState
Volume: 642Mix: 3.32%
Place Specialization
Strong
Showing 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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