Pulte Mortgage Rates, Fees & Info

WILMINGTON, DE

LEI: 5493004WMLN60ZJ2ON46

Tax ID: 42-1554181

5 stars - Updated: 4/14/24 - out of 5 stars, based on 132 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Pulte Mortgage is a mid-sized mortgage company specializing in Home Purchase loans. Pulte Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Phoenix, Dallas, Orlando, Las Vegas, and Atlanta among others. We have data for 71 markets. (Some data included below & more in-depth data is available with an active subscription.)

Pulte Mortgage has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Pulte Mortgage is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.02% 4/14/24
30 Year Conventional Refi 6.26% 4/14/24
30 Year Cash-out Refi 6.23% 4/14/24
30 Year FHA Purchase 6.84% 4/14/24
30 Year VA Purchase 5.71% 4/14/24
30 Year USDA Purchase 5.96% 4/14/24
15 Year Conventional Purchase 5.42% 4/14/24
15 Year Conventional Refi 5.72% 4/14/24
15 Year Cash-out Refi 5.72% 4/14/24
15 Year VA Purchase 5.62% 4/14/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Pulte Mortgage Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Pulte Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

17,387

Origination Dollar Volume (All Markets)

$6,915,085,000
Show all (205) awards

Relative Rate

Pulte Mortgage's average 30 year fixed mortgage rate was 6.07%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.41%.

Relative Fees (Closing Costs)

Pulte Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $4,121.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 988 $413,030,000 $418,047 $4,256 5.72%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1,093 $386,545,000 $353,655 $5,545 6.02%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 908 $373,260,000 $411,079 $4,439 6.07%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 835 $366,085,000 $438,425 $3,273 5.87%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 689 $288,025,000 $418,033 $3,507 6.20%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 755 $284,375,000 $376,656 $5,056 5.99%
RALEIGH-CARY, NC (FHA|USDA|VA) 753 $269,715,000 $358,187 $2,918 6.01%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 831 $267,805,000 $322,268 $5,862 5.57%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 808 $222,150,000 $274,938 $5,164 5.63%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 571 $218,205,000 $382,145 $3,973 6.37%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 502 $214,780,000 $427,849 $4,524 6.02%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 462 $210,710,000 $456,082 $4,401 6.60%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 589 $208,855,000 $354,593 $2,449 6.01%
COLUMBUS, OH (FHA|USDA|VA) 455 $183,625,000 $403,571 $3,447 5.94%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 353 $171,945,000 $487,096 $4,861 6.01%
JACKSONVILLE, FL (FHA|USDA|VA) 476 $170,560,000 $358,319 $3,609 6.10%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 410 $166,390,000 $405,829 $3,182 6.35%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 298 $153,910,000 $516,477 $3,437 6.15%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 395 $152,125,000 $385,127 $3,122 5.98%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 287 $148,905,000 $518,833 $4,711 6.02%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 309 $134,025,000 $433,738 $3,685 6.24%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 272 $114,340,000 $420,368 $3,340 6.35%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 276 $111,660,000 $404,565 $2,839 6.48%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 283 $101,635,000 $359,134 $4,481 6.55%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 297 $89,865,000 $302,576 $1,833 6.47%
ALBUQUERQUE, NM (FHA|USDA|VA) 213 $89,045,000 $418,052 $5,370 5.92%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 229 $86,315,000 $376,921 $3,901 6.46%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 162 $84,260,000 $520,123 $3,084 6.41%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 169 $78,565,000 $464,882 $5,835 6.54%
STOCKTON, CA (FHA|USDA|VA) 114 $78,220,000 $686,140 $1,471 5.56%
PORT ST. LUCIE, FL (FHA|USDA|VA) 174 $66,510,000 $382,241 $4,284 6.29%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 96 $66,120,000 $688,750 $3,521 5.83%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 102 $65,810,000 $645,196 $3,173 5.73%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 174 $64,890,000 $372,931 $3,265 6.15%
TUCSON, AZ (FHA|USDA|VA) 157 $61,815,000 $393,726 $5,420 5.61%
AKRON, OH (FHA|USDA|VA) 128 $49,470,000 $386,484 $3,209 6.23%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 87 $49,345,000 $567,184 $5,737 5.66%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 54 $49,060,000 $908,519 $2,788 6.03%
LOUISVILLE, KY (FHA|USDA|VA) 146 $47,840,000 $327,671 $3,331 5.90%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 134 $42,750,000 $319,030 $4,515 5.76%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 86 $42,330,000 $492,209 $4,164 6.19%
PUNTA GORDA, FL (FHA|USDA|VA) 106 $41,260,000 $389,245 $4,394 6.42%
OCALA, FL (FHA|USDA|VA) 148 $38,460,000 $259,865 $4,437 6.48%
SAVANNAH, GA (FHA|USDA|VA) 97 $36,745,000 $378,814 $3,774 6.43%
SANTA FE, NM (FHA|USDA|VA) 75 $36,325,000 $484,333 $4,521 5.96%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 73 $30,135,000 $412,808 $3,392 6.43%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 34 $30,090,000 $885,000 $3,912 6.21%
WILMINGTON, NC (FHA|USDA|VA) 68 $24,460,000 $359,706 $2,348 6.31%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 39 $23,995,000 $615,256 $4,624 6.35%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 65 $23,665,000 $364,077 $2,324 6.82%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 68 $21,750,000 $319,853 $3,252 5.86%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 69 $21,145,000 $306,449 $4,488 6.36%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 52 $20,330,000 $390,962 $4,024 6.61%
ANN ARBOR, MI (FHA|USDA|VA) 51 $19,395,000 $380,294 $2,951 6.28%
WORCESTER, MA-CT (FHA|USDA|VA) 50 $18,030,000 $360,600 $2,702 6.37%
Outside of Metro Areas 51 $15,985,000 $313,431 $3,166 6.17%
WINSTON-SALEM, NC (FHA|USDA|VA) 54 $13,370,000 $247,593 $4,247 6.07%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 22 $10,960,000 $498,182 $5,204 5.94%
SHERMAN-DENISON, TX (FHA|USDA|VA) 35 $9,435,000 $269,571 $3,762 5.65%
GAINESVILLE, GA (FHA|USDA|VA) 30 $9,240,000 $308,000 $1,445 6.36%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 29 $7,255,000 $250,172 $3,805 6.26%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 15 $6,585,000 $439,000 $2,873 6.25%
COLUMBIA, SC (FHA|USDA|VA) 21 $6,185,000 $294,524 $5,442 6.03%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 7 $2,075,000 $296,429 $2,793 6.59%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $735,000 $735,000 $10 7.50%
Jefferson, GA (FHA|USDA|VA) 1 $555,000 $555,000 $2,181 6.99%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $540,000 $270,000 $650 5.88%
Montrose, CO (FHA|USDA|VA) 1 $505,000 $505,000 $1,709 5.88%
BOULDER, CO (FHA|USDA|VA) 1 $405,000 $405,000 $6,412 4.99%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $365,000 $365,000 $10 7.25%
Warsaw, IN (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.88%
Pulte Mortgage's top markets include Phoenix, Dallas, Orlando, Las Vegas, and Atlanta among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against PULTE MORTGAGE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Charter Oak Federal Credit Union
    Similarity Rank: 24
    DEL-ONE FEDERAL CREDIT UNION
    Similarity Rank: 42
    HOMEFIELD
    Similarity Rank: 75
    Middlesex Savings Bank
    Similarity Rank: 108
    PIMA Federal Credit Union
    Similarity Rank: 110
    Del Norte Credit Union
    Similarity Rank: 110
    Bristol County Savings Bank
    Similarity Rank: 138
    NUSENDA
    Similarity Rank: 144
    St. Mary's Credit Union
    Similarity Rank: 145
    SPACE COAST Credit Union
    Similarity Rank: 156

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 13,465 $5,341,095,000 $396,665 $2,938 6.16%
    FHA 2,195 $817,185,000 $372,294 $8,713 5.70%
    VA 1,722 $755,550,000 $438,763 $7,035 5.73%
    USDA 5 $1,255,000 $251,000 $3,695 5.55%

    For 2023, Pulte Mortgage's most frequently originated type of loan was Conventional, with 13,465 originations. Their 2nd most popular type was FHA, with 2,195 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 17,385 $6,914,415,000 $397,723 $4,073 6.06%
    Refi 2 $670,000 $335,000 $1,528 6.25%

    For 2023, Pulte Mortgage's most frequently cited loan purpose was Home Purchase, with 17,385 originations. The 2nd most popular reason was Refi, with 2 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 16,827 $6,755,965,000 $401,496 $4,121 6.07%
    15 Year 439 $123,495,000 $281,310 $2,646 5.65%
    20 Year 100 $32,600,000 $326,000 $2,673 6.45%
    10 Year 13 $2,335,000 $179,615 $2,102 5.64%
    3 Year 7 $55,000 $7,857 $0 0.00%
    Other 1 $635,000 $635,000 $10,963 6.63%

    For 2023, Pulte Mortgage's most frequently cited loan duration was 30 Year, with 16,827 originations. The 2nd most popular length was 15 Year, with 439 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 12,627 $4,916,615,000 $389,373
    $5k+ 1,517 $709,565,000 $467,742
    $1k-2k 1,280 $512,360,000 $400,281
    $2k-3k 847 $326,065,000 $384,965
    $3k-4k 621 $247,395,000 $398,382
    $4k-5k 495 $203,085,000 $410,273

    Pulte Mortgage's average total fees were $4,121, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 12,627 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 6,591 $2,626,275,000 $398,464
    6-7% 5,702 $2,316,170,000 $406,203
    7-8% 2,553 $1,032,505,000 $404,428
    4-5% 2,507 $931,685,000 $371,633
    3-4% 19 $6,905,000 $363,421
    <2.5% 13 $175,000 $13,462
    Over 8% 2 $1,370,000 $685,000

    During 2023, Pulte Mortgage's average interest rate for loans was 6.07%, while their most frequently originated rate bucket for loans was 5-6%, with 6,591 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 8,172 $2,568,410,000 $314,294 $3,894 5.96%
    $400k-600k 5,952 $2,866,450,000 $481,594 $4,711 6.13%
    $600k-1MM 1,703 $1,174,745,000 $689,809 $5,153 6.18%
    $100k-200k 1,093 $164,435,000 $150,444 $1,322 6.19%
    $100,000 or less 361 $23,125,000 $64,058 $604 5.98%
    $1MM+ 106 $117,920,000 $1,112,453 $4,794 6.41%

    2023 saw Pulte Mortgage place emphasis on $200k-400k loans with 8,172 originations, totaling $2,568,410,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 5,875 $2,265,575,000 $385,630 $4,258 6.01%
    $150k-250k 5,285 $2,404,755,000 $455,015 $4,079 6.22%
    $75k-100k 2,754 $862,270,000 $313,097 $4,262 5.78%
    $250k+ 1,990 $1,031,670,000 $518,427 $4,134 6.41%
    $50k-75k 1,294 $318,940,000 $246,476 $3,095 5.68%
    $50k or less 175 $26,595,000 $151,971 $1,292 5.96%

    Pulte Mortgage lent most frequently to those with incomes in the $100k-150k range, with 5,875 originations. The second most popular income band? $150k-250k, with 5,285 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 2,527 $1,005,195,000 $397,782 $3,454 6.05%
    20-30% 2,355 $854,285,000 $362,754 $3,119 6.03%
    50-60% 1,501 $609,945,000 $406,359 $8,112 5.77%
    49% 1,350 $555,310,000 $411,341 $3,761 6.15%
    48% 858 $356,220,000 $415,175 $3,799 6.09%
    <20% 770 $208,010,000 $270,143 $2,234 6.15%
    47% 748 $304,410,000 $406,965 $3,963 6.06%
    42% 735 $325,435,000 $442,769 $3,829 6.11%
    46% 734 $300,930,000 $409,986 $4,293 6.16%
    44% 731 $305,375,000 $417,750 $4,223 6.09%
    45% 705 $285,145,000 $404,461 $4,019 6.07%
    43% 667 $270,535,000 $405,600 $3,869 6.11%
    41% 637 $268,575,000 $421,625 $4,111 6.11%
    40% 630 $255,030,000 $404,810 $4,039 6.10%
    38% 608 $246,700,000 $405,757 $3,647 6.13%
    39% 596 $245,900,000 $412,584 $3,935 6.10%
    37% 569 $235,475,000 $413,840 $3,945 6.09%
    36% 534 $216,600,000 $405,618 $3,795 6.06%
    >60% 132 $66,010,000 $500,076 $8,147 6.01%

    Pulte Mortgage lent most frequently to those with DTI ratios of 30-36%, with 2,527 originations. The next most common DTI ratio? 20-30%, with 2,355 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 9,192 $3,433,300,000 $373,510 $3,777 6.08%
    Asian 3,039 $1,345,045,000 $442,595 $3,753 6.11%
    Not provided 2,235 $899,695,000 $402,548 $4,371 5.97%
    Black 1,652 $686,110,000 $415,321 $5,911 5.91%
    Asian Indian 802 $357,090,000 $445,249 $3,764 6.24%
    American Indian 168 $64,720,000 $385,238 $5,292 5.90%
    Other Asian 93 $38,655,000 $415,645 $3,542 5.86%
    Filipino 81 $37,405,000 $461,790 $5,227 5.80%
    Chinese 37 $18,035,000 $487,432 $1,750 6.21%
    Native Hawaiian or Islander 23 $10,155,000 $441,522 $5,820 6.10%
    Korean 21 $9,645,000 $459,286 $3,443 6.49%
    Vietnamese 21 $7,175,000 $341,667 $4,408 5.89%
    Other Pacific Islander 11 $4,065,000 $369,545 $6,646 5.91%
    Guamanian 5 $2,025,000 $405,000 $5,929 6.18%
    Japanese 4 $1,200,000 $300,000 $6,535 5.63%
    Native Hawaiian 2 $400,000 $200,000 $296 5.38%
    Samoan 1 $365,000 $365,000 $974 5.75%

    Approval Rates

    Total approvals of all applications
    89.72%

    Pulte Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    72.28%

    Pulte Mortgage has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 17,387 $6,915,085,000 $397,716

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    17,387 $6,915,085,000 $397,716

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,177 $220,515,000 $187,353 $1,438 6.21%
    40-60% 1,690 $515,300,000 $304,911 $2,225 6.17%
    60-80% 4,678 $1,980,410,000 $423,345 $3,442 6.22%
    80-100% 8,991 $3,981,855,000 $442,871 $4,765 5.95%
    Over 100% 409 $181,195,000 $443,020 $14,924 5.61%
    Under 20% 442 $35,810,000 $81,018 $691 6.12%