Crestline Funding Corporation Mortgage Rates, Fees & Info
Irvine, CALEI: 5493001U0HWKEN6OLT59
Tax ID: 33-0633741
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Mortgage Data
Review & Overview
Crestline Funding Corporation is a smaller mortgage company specializing in Home Improvement and Home Purchase loans. Crestline Funding Corporation has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Riverside, San Diego, Oxnard, and San Francisco among others. We have data for 22 markets. (Some data included below & more in-depth data is available with an active subscription.)Crestline Funding Corporation 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. Crestline Funding Corporation is typically an average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.29% | 4/14/24 |
| 30 Year Conventional Refi | 6.45% | 4/14/24 |
| 30 Year Cash-out Refi | 6.42% | 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. | ||
Crestline Funding Corporation Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
334Origination Dollar Volume (All Markets)
$138,340,000Awards
Crestline Funding Corporation - 2018
Crestline Funding Corporation 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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 166 | $81,810,000 | $492,831 | $6,447 | 4.97% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 83 | $25,095,000 | $302,349 | $4,815 | 4.92% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 26 | $12,050,000 | $463,462 | $6,382 | 5.08% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 11 | $5,095,000 | $463,182 | $5,809 | 5.53% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 7 | $3,245,000 | $463,571 | $4,665 | 4.41% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $2,435,000 | $347,857 | $7,333 | 5.00% |
| VALLEJO, CA (FHA|USDA|VA) | 7 | $1,825,000 | $260,714 | $5,349 | 4.79% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $3,451 | 4.70% |
| Outside of Metro Areas | 4 | $930,000 | $232,500 | $2,604 | 5.31% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $3,100 | 4.71% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $2,889 | 5.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,032 | 4.50% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,689 | 4.88% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,318 | 5.13% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,601 | 4.50% |
| CHICO, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 4.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,280 | 4.38% |
| REDDING, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,850 | 5.13% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,090 | 4.88% |
| MADERA, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,144 | 4.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,512 | 4.63% |
| MERCED, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,869 | 5.38% |
Similar Lenders
We use machine learning to identify the top lenders compared against Crestline Funding Corporation 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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 303 | $126,225,000 | $416,584 | $5,252 | 5.02% |
| FHA | 18 | $6,010,000 | $333,889 | $8,923 | 4.54% |
| VA | 13 | $6,105,000 | $469,615 | $11,711 | 4.22% |
For 2018, Crestline Funding Corporation's most frequently originated type of loan was Conventional, with 303 originations. Their 2nd most popular type was FHA, with 18 originations.
Loan Reason
For 2018, Crestline Funding Corporation's most frequently cited loan purpose was Home Improvement, with 231 originations. The 2nd most popular reason was Home Purchase, with 78 originations.
Loan Duration/Length
For 2018, Crestline Funding Corporation's most frequently cited loan duration was 30 Year, with 303 originations. The 2nd most popular length was 15 Year, with 17 originations.
Origination Fees/Closing Costs
Crestline Funding Corporation's average total fees were $5,896, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 231 originations.
Interest Rates
During 2018, Crestline Funding Corporation's average interest rate for loans was 5.02%, while their most frequently originated rate bucket for loans was 4-5%, with 216 originations.
Loan Sizing
2018 saw Crestline Funding Corporation place emphasis on $200k-400k loans with 145 originations, totaling $43,885,000 in origination value.
Applicant Income
Crestline Funding Corporation lent most frequently to those with incomes in the $100k-150k range, with 85 originations. The second most popular income band? $75k-100k, with 69 originations.
Applicant Debt to Income Ratio
Crestline Funding Corporation lent most frequently to those with DTI ratios of 30-36%, with 49 originations. The next most common DTI ratio? 20-30%, with 36 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.26%
Crestline Funding Corporation has an average approval rate.
Pick Rate
Approvals leading to origination-41.62%
Crestline Funding Corporation 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 | 334 | $138,340,000 | $414,192 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 334 | $138,340,000 | $414,192 |