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RESIDENTIAL WHOLESALE MORTGAGE, INC.
Independent Mortgage Company|SAN DIEGO, CA|Multi-Region
Loans Originated
914
Applications
1,310
Volume
$425 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.286%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,047
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
69.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Things to Think About
- Pricing may be below industry average
Report Card
RESIDENTIAL WHOLESALE MORTGAGE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 18 metro areas · 22 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$465,503
Average Borrower Income
$166,925
Average Property Value
$621,761
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Sound | 541 | 59.2% | +0.276% | $2,988 |
FHA Loans | Sound | Strong | Acceptable | Strong | 236 | 25.8% | +0.512% | $3,645 |
VA Loans | Strong | Strong | Sound | Strong | 93 | 10.2% | -0.223% | $2,227 |
Jumbo Loans | Sound | Strong | N/A | Sound | 26 | 2.8% | +0.318% | $2,280 |
USDA Loans | Strong | Strong | N/A | Strong | 18 | 2.0% | +0.346% | $1,986 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 807 | 88.3% | +0.304% | $3,196 |
Refinance | Acceptable | Sound | Acceptable | Acceptable | 107 | 11.7% | +0.174% | $2,112 |
Geographic Coverage
Metro Areas
17
States Served
22
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOFLGAIDILINKYMIMNNCNVOHORSCTNTXUTWA
Top Metro Areas by Place Specialization Score
1
San Diego, CAMSA
Volume: 161Mix: 17.61%
Place Specialization
Strong
2
Bellingham, WA, WAMSA
Volume: 50Mix: 5.47%
Place Specialization
Strong
3
Visalia, CA, CAMSA
Volume: 52Mix: 5.69%
Place Specialization
Strong
4
Riverside, CAMSA
Volume: 117Mix: 12.80%
Place Specialization
Strong
5
Fresno, CA, CAMSA
Volume: 36Mix: 3.94%
Place Specialization
Sound
6
Lake Havasu City, AZMSA
Volume: 22Mix: 2.41%
Place Specialization
Sound
7
Yuma, AZ, AZMSA
Volume: 22Mix: 2.41%
Place Specialization
Sound
8
Las Vegas, NVMSA
Volume: 26Mix: 2.84%
Place Specialization
Sound
9
Colorado Springs, CO, COMSA
Volume: 23Mix: 2.52%
Place Specialization
Sound
10
Denver, COMSA
Volume: 17Mix: 1.86%
Place Specialization
Sound
Showing 10 of 17 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 438Mix: 47.92%
Place Specialization
Strong
2
WAState
Volume: 79Mix: 8.64%
Place Specialization
Strong
3
AZState
Volume: 64Mix: 7.00%
Place Specialization
Sound
4
UTState
Volume: 44Mix: 4.81%
Place Specialization
Sound
5
COState
Volume: 52Mix: 5.69%
Place Specialization
Sound
6
NVState
Volume: 34Mix: 3.72%
Place Specialization
Sound
7
NCState
Volume: 37Mix: 4.05%
Place Specialization
Sound
8
OHState
Volume: 27Mix: 2.95%
Place Specialization
Sound
9
TNState
Volume: 24Mix: 2.63%
Place Specialization
Sound
10
ALState
Volume: 18Mix: 1.97%
Place Specialization
Sound
Showing 10 of 13 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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