Pulte Mortgage Rates, Fees & Info
WILMINGTON, DELEI: 5493004WMLN60ZJ2ON46
Tax ID: 42-1554181
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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, Atlanta, Las Vegas, and Austin among others. We have data for 62 markets. (Some data included below & more in-depth data is available with an active subscription.)Pulte Mortgage has an above 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 about average 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% | 4/22/24 |
| 30 Year Conventional Refi | 6.26% | 4/22/24 |
| 30 Year Cash-out Refi | 6.23% | 4/22/24 |
| 30 Year FHA Purchase | 6.84% | 4/22/24 |
| 30 Year VA Purchase | 5.71% | 4/22/24 |
| 30 Year USDA Purchase | 5.96% | 4/22/24 |
| 15 Year Conventional Purchase | 5.42% | 4/22/24 |
| 15 Year Conventional Refi | 5.72% | 4/22/24 |
| 15 Year Cash-out Refi | 5.72% | 4/22/24 |
| 15 Year VA Purchase | 5.62% | 4/22/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
12,927Origination Dollar Volume (All Markets)
$4,055,125,000Awards
PULTE MORTGAGE - 2018
PULTE MORTGAGE is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 979 | $281,255,000 | $287,288 | $1,977 | 4.64% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 851 | $231,205,000 | $271,686 | $4,066 | 4.61% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 668 | $203,350,000 | $304,416 | $1,979 | 4.61% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 470 | $183,530,000 | $390,489 | $1,760 | 4.56% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 660 | $168,400,000 | $255,152 | $3,160 | 4.60% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 536 | $147,120,000 | $274,478 | $1,881 | 4.64% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 474 | $141,200,000 | $297,890 | $2,727 | 4.70% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 564 | $140,620,000 | $249,326 | $4,092 | 4.65% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 426 | $138,160,000 | $324,319 | $1,542 | 4.52% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 382 | $135,640,000 | $355,079 | $2,333 | 4.48% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 369 | $130,175,000 | $352,778 | $2,371 | 4.39% |
| COLUMBUS, OH (FHA|USDA|VA) | 479 | $128,605,000 | $268,486 | $2,713 | 4.59% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 301 | $127,665,000 | $424,136 | $3,029 | 4.50% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 178 | $117,400,000 | $659,551 | $1,881 | 4.33% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 198 | $110,920,000 | $560,202 | $2,114 | 4.38% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 405 | $110,615,000 | $273,123 | $2,155 | 4.68% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 319 | $107,435,000 | $336,787 | $2,427 | 4.62% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 321 | $105,905,000 | $329,922 | $1,128 | 4.45% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 304 | $105,670,000 | $347,599 | $2,302 | 4.57% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 289 | $105,525,000 | $365,138 | $3,227 | 4.51% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 140 | $88,970,000 | $635,500 | $4,025 | 4.44% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 227 | $76,255,000 | $335,925 | $2,740 | 4.76% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 229 | $73,305,000 | $320,109 | $2,246 | 4.59% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 272 | $71,060,000 | $261,250 | $2,347 | 4.60% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 158 | $58,970,000 | $373,228 | $1,979 | 4.67% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 214 | $53,350,000 | $249,299 | $3,266 | 4.68% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 228 | $53,210,000 | $233,377 | $1,160 | 4.65% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 155 | $52,245,000 | $337,065 | $1,909 | 4.56% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 199 | $51,685,000 | $259,724 | $3,494 | 4.61% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 143 | $49,125,000 | $343,531 | $2,339 | 4.53% |
| TUCSON, AZ (FHA|USDA|VA) | 164 | $46,410,000 | $282,988 | $1,940 | 4.56% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 82 | $39,460,000 | $481,220 | $5,572 | 4.65% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 181 | $39,445,000 | $217,928 | $1,743 | 4.73% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 80 | $35,660,000 | $445,750 | $2,304 | 4.57% |
| LOUISVILLE, KY (FHA|USDA|VA) | 126 | $29,770,000 | $236,270 | $2,438 | 4.74% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 128 | $28,630,000 | $223,672 | $3,270 | 4.67% |
| AKRON, OH (FHA|USDA|VA) | 83 | $26,965,000 | $324,880 | $3,483 | 4.46% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 93 | $25,725,000 | $276,613 | $2,896 | 4.55% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 45 | $24,155,000 | $536,778 | $2,913 | 4.43% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 118 | $24,070,000 | $203,983 | $2,822 | 4.85% |
| SANTA FE, NM (FHA|USDA|VA) | 67 | $22,635,000 | $337,836 | $2,127 | 4.53% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 72 | $21,090,000 | $292,917 | $2,428 | 4.71% |
| FRESNO, CA (FHA|USDA|VA) | 70 | $18,620,000 | $266,000 | $3,044 | 4.74% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 54 | $13,490,000 | $249,815 | $2,805 | 4.76% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 52 | $12,710,000 | $244,423 | $3,507 | 4.16% |
| OCALA, FL (FHA|USDA|VA) | 70 | $12,690,000 | $181,286 | $2,418 | 4.70% |
| GAINESVILLE, GA (FHA|USDA|VA) | 43 | $12,115,000 | $281,744 | $2,222 | 4.67% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 39 | $11,055,000 | $283,462 | $1,613 | 4.62% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 39 | $9,355,000 | $239,872 | $2,312 | 4.73% |
| WILMINGTON, NC (FHA|USDA|VA) | 40 | $9,230,000 | $230,750 | $1,668 | 4.65% |
| ANN ARBOR, MI (FHA|USDA|VA) | 26 | $9,090,000 | $349,615 | $2,159 | 4.43% |
| STOCKTON, CA (FHA|USDA|VA) | 23 | $7,085,000 | $308,043 | $2,030 | 4.25% |
| Outside of Metro Areas | 27 | $6,505,000 | $240,926 | $1,829 | 4.67% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 13 | $5,225,000 | $401,923 | $3,314 | 3.90% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 17 | $5,175,000 | $304,412 | $2,087 | 4.50% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 12 | $4,080,000 | $340,000 | $2,535 | 4.73% |
| FLINT, MI (FHA|USDA|VA) | 10 | $2,290,000 | $229,000 | $1,817 | 4.46% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $3,592 | 4.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $1,591 | 4.70% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $1,659 | 4.56% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $1,241 | 4.83% |
| Craig, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,794 | 4.25% |
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 2018, Pulte Mortgage's most frequently originated type of loan was Conventional, with 10,331 originations. Their 2nd most popular type was VA, with 1,472 originations.
Loan Reason
For 2018, Pulte Mortgage's most frequently cited loan purpose was Home Purchase, with 12,913 originations. The 2nd most popular reason was Cash Out Refi, with 8 originations.
Loan Duration/Length
For 2018, Pulte Mortgage's most frequently cited loan duration was 30 Year, with 11,818 originations. The 2nd most popular length was 15 Year, with 917 originations.
Origination Fees/Closing Costs
Pulte Mortgage's average total fees were $2,627, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 10,637 originations.
Interest Rates
During 2018, Pulte Mortgage's average interest rate for loans was 4.64%, while their most frequently originated rate bucket for loans was 4-5%, with 9,683 originations.
Loan Sizing
2018 saw Pulte Mortgage place emphasis on $200k-400k loans with 7,963 originations, totaling $2,304,325,000 in origination value.
Applicant Income
Pulte Mortgage lent most frequently to those with incomes in the $100k-150k range, with 4,014 originations. The second most popular income band? $75k-100k, with 2,700 originations.
Applicant Debt to Income Ratio
Pulte Mortgage lent most frequently to those with DTI ratios of 30-36%, with 2,272 originations. The next most common DTI ratio? 20-30%, with 2,240 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.21%
Pulte Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination69.10%
Pulte Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 12,927 | $4,055,125,000 | $313,694 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 12,927 | $4,055,125,000 | $313,694 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| PLATINUM HOME MORTGAGE CORPORATION | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| PLATINUM HOME MORTGAGE CORPORATION | FHA mortgage | Trouble during payment process | 1 | 50.0% |