Campos Financial Corp. Mortgage Rates, Fees & Info
Los Angeles, CALEI: 54930035U7Q80J7HTS79
Tax ID: 45-5147913
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Mortgage Data
Review & Overview
Campos Financial Corp. is a smaller mortgage company specializing in Home Purchase loans. Campos Financial Corp. has a high proportion of conventional loans. They have a a high proportion of FHA 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, Oxnard, Bakersfield, and San Diego among others. We have data for 9 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 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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 11/17/24 |
| 30 Year Conventional Purchase | 6.97% | 11/17/24 |
| 30 Year Conventional Refi | 6.58% | 11/17/24 |
| 30 Year Cash-out Refi | 6.88% | 11/17/24 |
| 30 Year FHA Purchase | 7.23% | 11/17/24 |
| 30 Year FHA Refi | 6.91% | 11/17/24 |
| 30 Year VA Purchase | 6.52% | 11/17/24 |
| 15 Year Conventional Refi | 6.39% | 11/17/24 |
| 15 Year Cash-out Refi | 6.39% | 11/17/24 |
| 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. | ||
Campos Financial Corp. Mortgage Calculator
Your Estimates
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This is not an official calculator from Campos Financial Corp.. 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
231Origination Dollar Volume (All Markets)
$111,965,000Awards
CAMPOS FINANCIAL CORP. - 2023
CAMPOS FINANCIAL CORP. is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Campos Financial Corp.'s average 30 year fixed mortgage rate was
6.92%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.44%.
Relative Fees (Closing Costs)
Campos Financial Corp.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $15,242.
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 $9,089.
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) | 172 | $87,490,000 | $508,663 | $15,736 | 6.96% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 22 | $9,850,000 | $447,727 | $14,480 | 6.64% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 10 | $6,730,000 | $673,000 | $16,893 | 7.03% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 22 | $6,130,000 | $278,636 | $10,854 | 6.74% |
| Outside of Metro Areas | 1 | $465,000 | $465,000 | $22,031 | 5.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $21,041 | 6.25% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,237 | 7.88% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,884 | 8.13% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,097 | 7.75% |
Their top states include:
Similar Lenders
We use machine learning to identify the top lenders compared against CAMPOS FINANCIAL CORP. 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 2023, Campos Financial Corp.'s most frequently originated type of loan was Conventional, with 120 originations. Their 2nd most popular type was FHA, with 106 originations.
Loan Reason
For 2023, Campos Financial Corp.'s most frequently cited loan purpose was Home Purchase, with 198 originations. The 2nd most popular reason was Cash Out Refi, with 29 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 229 | $111,745,000 | $487,969 | $15,242 | 6.92% |
| 15 Year | 1 | $25,000 | $25,000 | $428 | 6.25% |
| Other | 1 | $195,000 | $195,000 | $0 | 7.45% |
For 2023, Campos Financial Corp.'s most frequently cited loan duration was 30 Year, with 229 originations. The 2nd most popular length was 15 Year, with 1 originations.
Origination Fees/Closing Costs
Campos Financial Corp.'s average total fees were $15,242, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 135 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 117 | $58,195,000 | $497,393 |
| 7-8% | 78 | $36,080,000 | $462,564 |
| 5-6% | 21 | $10,065,000 | $479,286 |
| Over 8% | 15 | $7,625,000 | $508,333 |
During 2023, Campos Financial Corp.'s average interest rate for loans was 6.92%, while their most frequently originated rate bucket for loans was 6-7%, with 117 originations.
Loan Sizing
2023 saw Campos Financial Corp. place emphasis on $400k-600k loans with 92 originations, totaling $44,520,000 in origination value.
Applicant Income
Campos Financial Corp. lent most frequently to those with incomes in the $100k-150k range, with 98 originations. The second most popular income band? $150k-250k, with 58 originations.
Applicant Debt to Income Ratio
Campos Financial Corp. lent most frequently to those with DTI ratios of 50-60%, with 63 originations. The next most common DTI ratio? 49%, with 25 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
Campos Financial Corp. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination96.10%
Campos Financial Corp. has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 231 | $111,965,000 | $484,697 |