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.) 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, San Francisco, and Sacramento among others. We have data for 15 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% | 4/22/24 |
| 30 Year Conventional Refi | 6.45% | 4/22/24 |
| 30 Year Cash-out Refi | 6.42% | 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. | ||
Crestline Funding Corporation Mortgage Calculator
Your Estimates
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This is not an official calculator from Crestline Funding Corporation. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
90Origination Dollar Volume (All Markets)
$38,980,000Top 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) | 55 | $26,125,000 | $475,000 | $5,021 | 4.24% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 13 | $3,675,000 | $282,692 | $3,386 | 4.64% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 6 | $2,950,000 | $491,667 | $4,453 | 4.21% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $4,937 | 4.38% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $3,773 | 4.63% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $12,147 | 4.70% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $3,429 | 4.13% |
| Outside of Metro Areas | 1 | $505,000 | $505,000 | $4,432 | 4.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,343 | 4.62% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,264 | 3.88% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,832 | 4.50% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,356 | 3.75% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,172 | 4.99% |
| MADERA, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,327 | 3.99% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,403 | 4.13% |
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
For 2019, Crestline Funding Corporation's most frequently originated type of loan was Conventional, with 77 originations. Their 2nd most popular type was FHA, with 5 originations.
Loan Reason
For 2019, Crestline Funding Corporation's most frequently cited loan purpose was Home Improvement, with 62 originations. The 2nd most popular reason was Home Purchase, with 19 originations.
Loan Duration/Length
For 2019, Crestline Funding Corporation's most frequently cited loan duration was 30 Year, with 75 originations. The 2nd most popular length was Other, with 9 originations.
Origination Fees/Closing Costs
Crestline Funding Corporation's average total fees were $4,878, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 61 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 58 | $26,210,000 | $451,897 |
| 3-4% | 26 | $11,200,000 | $430,769 |
| 5-6% | 6 | $1,570,000 | $261,667 |
During 2019, Crestline Funding Corporation's average interest rate for loans was 4.36%, while their most frequently originated rate bucket for loans was 4-5%, with 58 originations.
Loan Sizing
2019 saw Crestline Funding Corporation place emphasis on $200k-400k loans with 36 originations, totaling $11,180,000 in origination value.
Applicant Income
Crestline Funding Corporation lent most frequently to those with incomes in the $100k-150k range, with 22 originations. The second most popular income band? $150k-250k, with 17 originations.
Applicant Debt to Income Ratio
Crestline Funding Corporation lent most frequently to those with DTI ratios of 20-30%, with 13 originations. The next most common DTI ratio? 30-36%, with 12 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.57%
Crestline Funding Corporation has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination21.11%
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 | 90 | $38,980,000 | $433,111 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 90 | $38,980,000 | $433,111 |