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WILLIAM RAVEIS MORTGAGE, LLC
Independent Mortgage Company|WILMINGTON, DE|Multi-Region
Loans Originated
756
Applications
1,029
Volume
$295 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.202%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,312
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.5%
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 loans
Report Card
WILLIAM RAVEIS MORTGAGE, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Strong | Multi-Regional · 12 metro areas · 10 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$390,979
Average Borrower Income
$170,081
Average Property Value
$549,048
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 694 | 91.8% | +0.170% | $2,299 |
FHA Loans | Strong | Strong | Sound | Strong | 58 | 7.7% | +0.620% | $2,510 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 732 | 96.8% | +0.202% | $2,310 |
Refinance | Sound | Acceptable | Sound | Sound | 24 | 3.2% | +0.201% | $2,382 |
Geographic Coverage
Metro Areas
11
States Served
10
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CTFLMAMENHNJNYRISCVT
Top Metro Areas by Place Specialization Score
1
Hartford, CTMSA
Volume: 176Mix: 23.28%
Place Specialization
Exceptional
2
Bridgeport, CTMSA
Volume: 109Mix: 14.42%
Place Specialization
Exceptional
3
New Haven, CT, CTMSA
Volume: 84Mix: 11.11%
Place Specialization
Strong
4
Waterbury, CTMSA
Volume: 63Mix: 8.33%
Place Specialization
Strong
5
Norwich, CTMSA
Volume: 33Mix: 4.37%
Place Specialization
Strong
6
Boston, MA, MAMSA
Volume: 74Mix: 9.79%
Place Specialization
Strong
7
Cambridge, MAMSA
Volume: 49Mix: 6.48%
Place Specialization
Strong
8
Barnstable Town, MA, MAMSA
Volume: 26Mix: 3.44%
Place Specialization
Sound
9
New York, NY-NJMSA
Volume: 38Mix: 5.03%
Place Specialization
Sound
10
Naples, FLMSA
Volume: 17Mix: 2.25%
Place Specialization
Sound
Showing 10 of 11 metro areas
Top States by Place Specialization Score
1
CTState
Volume: 481Mix: 63.62%
Place Specialization
Exceptional
2
MAState
Volume: 181Mix: 23.94%
Place Specialization
Strong
3
NYState
Volume: 43Mix: 5.69%
Place Specialization
Sound
4
FLState
Volume: 34Mix: 4.50%
Place Specialization
Sound
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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