Pulte Mortgage Rates, Fees & Info
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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% | 11/17/24 |
| 30 Year Conventional Refi | 6.26% | 11/17/24 |
| 30 Year Cash-out Refi | 6.23% | 11/17/24 |
| 30 Year FHA Purchase | 6.84% | 11/17/24 |
| 30 Year VA Purchase | 5.71% | 11/17/24 |
| 30 Year USDA Purchase | 5.96% | 11/17/24 |
| 15 Year Conventional Purchase | 5.42% | 11/17/24 |
| 15 Year Conventional Refi | 5.72% | 11/17/24 |
| 15 Year Cash-out Refi | 5.72% | 11/17/24 |
| 15 Year VA Purchase | 5.62% | 11/17/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
17,387Origination Dollar Volume (All Markets)
$6,915,085,000Awards
PULTE MORTGAGE - 2023
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For 2023, less than of lenders were eligible for this award.
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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% |
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.
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Product Mix
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
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
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
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
2023 saw Pulte Mortgage place emphasis on $200k-400k loans with 8,172 originations, totaling $2,568,410,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications89.72%
Pulte Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination72.28%
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 |