Calcap Lending Mortgage Rates, Fees & Info
WILMINGTON, DELEI: 254900IO72BNE5PL8P26
Tax ID: 32-0529428
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Mortgage Data
Review & Overview
Calcap Lending is a smaller mortgage company specializing in Cash Out Refi, Home Purchase, and Refi loans. Calcap Lending has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, San Francisco, San Jose, and Sacramento among others. We have data for 18 markets. (Some data included below & more in-depth data is available with an active subscription.)Calcap Lending 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. 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
---|---|---|
30 Year Conventional Purchase | 6.27% | 3/24/24 |
30 Year Conventional Refi | 6.27% | 3/24/24 |
30 Year Cash-out Refi | 6.27% | 3/24/24 |
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. |
Calcap Lending Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
51Origination Dollar Volume (All Markets)
$32,555,000Top 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 |
---|---|---|---|---|---|
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 13 | $10,835,000 | $833,462 | $0 | 8.82% |
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 7 | $5,005,000 | $715,000 | $0 | 8.77% |
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 6 | $3,270,000 | $545,000 | $0 | 9.30% |
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $2,880,000 | $1,440,000 | $0 | 9.25% |
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $2,480,000 | $620,000 | $0 | 8.79% |
SALINAS, CA (FHA|USDA|VA) | 1 | $2,085,000 | $2,085,000 | $0 | 7.99% |
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $1,495,000 | $498,333 | $0 | 7.63% |
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $0 | 8.38% |
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $0 | 9.96% |
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $0 | 7.88% |
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 9.49% |
NAPA, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 7.95% |
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 8.99% |
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.45% |
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 9.49% |
STOCKTON, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 10.00% |
VISALIA, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 12.00% |
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.68% |
Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 51 | $32,555,000 | $638,333 | $0 | 8.89% |
For 2020, Calcap Lending's most frequently originated type of loan was Conventional, with 51 originations.
Loan Reason
Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Cash Out Refi | 23 | $10,865,000 | $472,391 | $0 | 8.99% |
Home Purchase | 19 | $12,775,000 | $672,368 | $0 | 8.96% |
Refi | 9 | $8,915,000 | $990,556 | $0 | 8.47% |
For 2020, Calcap Lending's most frequently cited loan purpose was Cash Out Refi, with 23 originations. The 2nd most popular reason was Home Purchase, with 19 originations.
Loan Duration/Length
For 2020, Calcap Lending's most frequently cited loan duration was 1 Year, with 30 originations. The 2nd most popular length was 3 Year, with 15 originations.
Interest Rates
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
Over 8% | 37 | $24,755,000 | $669,054 |
7-8% | 11 | $6,185,000 | $562,273 |
6-7% | 2 | $1,240,000 | $620,000 |
5-6% | 1 | $375,000 | $375,000 |
During 2020, Calcap Lending's average interest rate for loans was 6.34%, while their most frequently originated rate bucket for loans was Over 8%, with 37 originations.
Loan Sizing
2020 saw Calcap Lending place emphasis on $200k-400k loans with 19 originations, totaling $5,515,000 in origination value.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.73%
Calcap Lending has an average approval rate.
Pick Rate
Approvals leading to origination35.29%
Calcap Lending 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 | 51 | $32,555,000 | $638,333 |
Occupancy Type Mix
Dwelling Type | Originations | Total Value | Average Loan |
---|---|---|---|
Single Family (1-4 Units):Site-Built | 51 | $32,555,000 | $638,333 |