Campos Financial Corp. Mortgage Rates, Fees & InfoLos Angeles, CA
Tax ID: 45-5147913
Review & OverviewCampos Financial Corp. is a smaller mortgage company specializing in Home Purchase and Refi loans. Campos Financial Corp. has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Riverside, Bakersfield, Seattle, and Oxnard among others. We have data for 19 markets. (Some data included below & more in-depth data is available with an active subscription.)
Campos Financial Corp. has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Campos Financial Corp. is typically a high 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.
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|Simulated Rate||Simulation Date|
|30 Year Conventional Purchase||6.79%||1/29/23|
|30 Year Conventional Refi||6.56%||1/29/23|
|30 Year Cash-out Refi||6.78%||1/29/23|
|30 Year FHA Purchase||7.49%||1/29/23|
|30 Year FHA Refi||6.94%||1/29/23|
|30 Year VA Purchase||6.51%||1/29/23|
|30 Year VA Refi||6.28%||1/29/23|
|15 Year Conventional Refi||6.26%||1/29/23|
|15 Year Cash-out Refi||6.26%||1/29/23|
|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.|
Origination Dollar Volume (All Markets)$277,410,000
Campos Financial Corp.'s average 30 year fixed mortgage rate was
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of 0.06%.
Relative Fees (Closing Costs)
Campos Financial Corp.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $9,575.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.
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)||536||$219,950,000||$410,354||$9,499||3.20%|
|RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA)||52||$19,060,000||$366,538||$9,087||3.11%|
|BAKERSFIELD, CA (FHA|USDA|VA)||49||$12,325,000||$251,531||$7,950||3.17%|
|Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA)||22||$8,690,000||$395,000||$8,639||3.19%|
|OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA)||17||$8,615,000||$506,765||$9,613||3.42%|
|REDDING, CA (FHA|USDA|VA)||7||$2,785,000||$397,857||$10,198||3.45%|
|SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA)||2||$980,000||$490,000||$20,520||2.94%|
|STOCKTON, CA (FHA|USDA|VA)||2||$960,000||$480,000||$18,326||3.00%|
|Outside of Metro Areas||2||$840,000||$420,000||$12,365||3.00%|
|San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA)||1||$695,000||$695,000||$28,183||3.25%|
|SALINAS, CA (FHA|USDA|VA)||2||$540,000||$270,000||$6,297||3.25%|
|YAKIMA, WA (FHA|USDA|VA)||1||$345,000||$345,000||$3,059||3.75%|
|MODESTO, CA (FHA|USDA|VA)||1||$275,000||$275,000||$9,080||3.00%|
|BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA)||1||$265,000||$265,000||$4,108||2.88%|
|FRESNO, CA (FHA|USDA|VA)||1||$235,000||$235,000||$7,979||2.88%|
|Clearlake, CA (FHA|USDA|VA)||1||$235,000||$235,000||$9,891||3.25%|
|MERCED, CA (FHA|USDA|VA)||1||$225,000||$225,000||$8,280||3.00%|
|CHICO, CA (FHA|USDA|VA)||1||$215,000||$215,000||$4,281||3.50%|
|VISALIA, CA (FHA|USDA|VA)||1||$175,000||$175,000||$5,961||3.13%|
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2021, Campos Financial Corp.'s most frequently originated type of loan was Conventional, with 505 originations. Their 2nd most popular type was FHA, with 185 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
|Cash Out Refi||153||$54,305,000||$354,935||$7,897||3.33%|
For 2021, Campos Financial Corp.'s most frequently cited loan purpose was Home Purchase, with 356 originations. The 2nd most popular reason was Refi, with 191 originations.
For 2021, Campos Financial Corp.'s most frequently cited loan duration was 30 Year, with 667 originations. The 2nd most popular length was 15 Year, with 16 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
Campos Financial Corp.'s average total fees were $9,575, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 202 originations.
|Loan Rate||Originations||Total Value||Average Loan|
During 2021, Campos Financial Corp.'s average interest rate for loans was 3.21%, while their most frequently originated rate bucket for loans was 3-4%, with 448 originations.
2021 saw Campos Financial Corp. place emphasis on $200k-400k loans with 316 originations, totaling $97,570,000 in origination value.
Campos Financial Corp. lent most frequently to those with incomes in the $75k-100k range, with 191 originations. The second most popular income band? $50k-75k, with 171 originations.
Applicant Debt to Income Ratio
Campos Financial Corp. lent most frequently to those with DTI ratios of 50-60%, with 86 originations. The next most common DTI ratio? 30-36%, with 79 originations.
Approval RatesTotal approvals of all applications
Campos Financial Corp. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick RateApprovals leading to origination
Campos Financial Corp. has an average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|
|Bank Name||Product||Issue||2021 CPFB Complaints||% of Total Issues|
|COMPASS MORTGAGE, INC.||Conventional home mortgage||Closing on a mortgage||1||100.0%|