What loan types does Residential Wholesale Mortgage offer?

Residential Wholesale Mortgage offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Residential Wholesale Mortgage offer mortgages?

Residential Wholesale Mortgage 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's mortgage rates?

Residential Wholesale Mortgage has an overall pricing score of 31.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Residential Wholesale Mortgage?

Residential Wholesale Mortgage is a Independent Mortgage Company headquartered in SAN DIEGO, CA.

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Residential Wholesale Mortgage

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

We analyzed every closed loan from Residential Wholesale Mortgage — 914 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

Multi-Region · 17 mkts

Awards

FHA

Superstar

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

Explore another lender or local market

Report Card

Residential Wholesale Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+28.6 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 18 markets

Sound

Top 60% of lenders

Loan Product Performance

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%Above	$2,988Fees
FHA Loans	Sound	Strong	Acceptable	Strong	236	25.8%	+0.512%Above	$3,645Fees
VA Loans	Sound	Strong	Sound	Strong	93	10.2%	-0.223%Below	$2,227Fees
Jumbo Loans	Strong	Strong	—	Sound	26	2.8%	+0.318%Above	$2,280Fees
USDA Loans	Strong	Strong	—	Strong	18	2.0%	+0.346%Above	$1,986Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume541

Mix59.2%

Spread

+0.276%Above

Fees

$2,988Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume236

Mix25.8%

Spread

+0.512%Above

Fees

$3,645Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume93

Mix10.2%

Spread

-0.223%Below

Fees

$2,227Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Sound

Volume26

Mix2.8%

Spread

+0.318%Above

Fees

$2,280Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume18

Mix2.0%

Spread

+0.346%Above

Fees

$1,986Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Strong	807	88.3%	+0.304%Above	$3,196Fees
Refinance	Acceptable	Sound	Acceptable	Acceptable	107	11.7%	+0.174%Above	$2,112Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume807

Mix88.3%

Spread

+0.304%Above

Fees

$3,196Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Acceptable

Volume107

Mix11.7%

Spread

+0.174%Above

Fees

$2,112Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

914

Applications

1,310

Volume

$425 million

Pricing & Closing

Avg Rate Spread

+0.286%

vs. market APOR

Avg Net Fees

$3,047

Origination − Credits

Pullthrough Rate

69.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$465,503

Avg Borrower Income

$166,925

Avg Property Value

$621,761

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Midwest5

ILINMIMNOH

South9

ALARFLGAKYNCSCTNTX

West8

AZCACOIDNVORUTWA

Top Metro Areas by Place Specialization Score

1© Bernard Gagnon · CC BY-SA 3.0

San Diego, CAMetro

Volume 161Mix 17.61% of portfolio

74/100

Strong

2© Robert Ashworth from Bellingham, WA., USA · CC BY 2.0

Bellingham, WAMetro

Volume 50Mix 5.47% of portfolio

71/100

Strong

3© Original uploader was VisalianNsf at en.wikipedia · CC BY-SA 3.0

Visalia, CAMetro

Volume 52Mix 5.69% of portfolio

69/100

Strong

4© Johnwayne Stroud · CC BY-SA 3.0

Riverside, CAMetro

Volume 117Mix 12.80% of portfolio

68/100

Strong

Fresno, CAMetro

Volume 36Mix 3.94% of portfolio

59/100

Sound

Lake Havasu City, AZMetro

Volume 22Mix 2.41% of portfolio

57/100

Sound

Yuma, AZMetro

Volume 22Mix 2.41% of portfolio

55/100

Sound

Las Vegas, NVMetro

Volume 26Mix 2.84% of portfolio

52/100

Sound

Colorado Springs, COMetro

Volume 23Mix 2.52% of portfolio

51/100

Sound

Denver, COMetro

Volume 17Mix 1.86% of portfolio

45/100

Sound

Showing 10 of 17 metro areas

Top States by Place Specialization Score

CaliforniaState

Volume 438Mix 47.92% of portfolio

73/100

Strong

WashingtonState

Volume 79Mix 8.64% of portfolio

62/100

Strong

ArizonaState

Volume 64Mix 7.00% of portfolio

58/100

Sound

UtahState

Volume 44Mix 4.81% of portfolio

56/100

Sound

ColoradoState

Volume 52Mix 5.69% of portfolio

55/100

Sound

NevadaState

Volume 34Mix 3.72% of portfolio

54/100

Sound

North CarolinaState

Volume 37Mix 4.05% of portfolio

49/100

Sound

OhioState

Volume 27Mix 2.95% of portfolio

47/100

Sound

TennesseeState

Volume 24Mix 2.63% of portfolio

46/100

Sound

AlabamaState

Volume 18Mix 1.97% of portfolio

45/100

Sound

Showing 10 of 13 states

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.