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 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.
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% | 4/28/24 |
| 30 Year Conventional Purchase | 6.97% | 4/28/24 |
| 30 Year Conventional Refi | 6.58% | 4/28/24 |
| 30 Year Cash-out Refi | 6.88% | 4/28/24 |
| 30 Year FHA Purchase | 7.23% | 4/28/24 |
| 30 Year FHA Refi | 6.91% | 4/28/24 |
| 30 Year VA Purchase | 6.52% | 4/28/24 |
| 15 Year Conventional Refi | 6.39% | 4/28/24 |
| 15 Year Cash-out Refi | 6.39% | 4/28/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
700Origination Dollar Volume (All Markets)
$277,410,000Top 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) | 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% |
Their top states include:
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 505 | $193,635,000 | $383,436 | $7,183 | 3.25% |
| FHA | 185 | $79,655,000 | $430,568 | $15,390 | 3.07% |
| VA | 10 | $4,120,000 | $412,000 | $9,952 | 2.96% |
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
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.
Loan Duration/Length
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
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.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 448 | $184,010,000 | $410,737 |
| 2.5-3% | 232 | $85,510,000 | $368,578 |
| 4-5% | 11 | $4,635,000 | $421,364 |
| <2.5% | 9 | $3,255,000 | $361,667 |
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.
Loan Sizing
2021 saw Campos Financial Corp. place emphasis on $200k-400k loans with 316 originations, totaling $97,570,000 in origination value.
Applicant Income
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.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.74%
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 origination94.14%
Campos Financial Corp. has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 700 | $277,410,000 | $396,300 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| COMPASS MORTGAGE, INC. | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |