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 Refi loans. Crestline Funding Corporation has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, San Diego, Oxnard, and San Francisco among others. We have data for 23 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.
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% | 12/4/24 |
| 30 Year Conventional Refi | 6.45% | 12/4/24 |
| 30 Year Cash-out Refi | 6.42% | 12/4/24 |
| 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
335Origination Dollar Volume (All Markets)
$126,635,000Top 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) | 195 | $77,055,000 | $395,154 | $3,295 | 3.07% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 43 | $14,265,000 | $331,744 | $3,823 | 3.19% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 21 | $6,775,000 | $322,619 | $3,634 | 3.02% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 17 | $6,715,000 | $395,000 | $3,718 | 3.03% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 11 | $5,755,000 | $523,182 | $4,004 | 3.11% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 11 | $4,215,000 | $383,182 | $3,296 | 3.19% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 5 | $1,735,000 | $347,000 | $2,903 | 3.20% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $1,690,000 | $422,500 | $3,465 | 2.91% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $2,956 | 2.87% |
| Outside of Metro Areas | 2 | $990,000 | $495,000 | $4,784 | 2.88% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $4,582 | 2.92% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $3,431 | 3.58% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $2,844 | 3.08% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $5,153 | 4.50% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,419 | 3.31% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,954 | 2.88% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,314 | 3.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,180 | 3.00% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,956 | 3.13% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,147 | 3.00% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,261 | 3.99% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,670 | 2.50% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,842 | 3.00% |
Similar Lenders
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 335 | $126,635,000 | $378,015 | $3,470 | 3.09% |
For 2020, Crestline Funding Corporation's most frequently originated type of loan was Conventional, with 335 originations.
Loan Reason
For 2020, Crestline Funding Corporation's most frequently cited loan purpose was Home Improvement, with 266 originations. The 2nd most popular reason was Refi, with 60 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 335 | $126,635,000 | $378,015 | $3,470 | 3.09% |
For 2020, Crestline Funding Corporation's most frequently cited loan duration was Other, with 335 originations.
Origination Fees/Closing Costs
Crestline Funding Corporation's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 246 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 153 | $53,025,000 | $346,569 |
| 3-4% | 149 | $59,275,000 | $397,819 |
| <2.5% | 28 | $10,770,000 | $384,643 |
| 4-5% | 5 | $3,565,000 | $713,000 |
During 2020, Crestline Funding Corporation's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 2.5-3%, with 153 originations.
Loan Sizing
2020 saw Crestline Funding Corporation place emphasis on $200k-400k loans with 165 originations, totaling $49,795,000 in origination value.
Applicant Income
Crestline Funding Corporation lent most frequently to those with incomes in the $100k-150k range, with 107 originations. The second most popular income band? $150k-250k, with 87 originations.
Applicant Debt to Income Ratio
Crestline Funding Corporation lent most frequently to those with DTI ratios of 20-30%, with 88 originations. The next most common DTI ratio? 30-36%, with 53 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.53%
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 origination76.12%
Crestline Funding Corporation has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 335 | $126,635,000 | $378,015 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 335 | $126,635,000 | $378,015 |