Campos Financial Corp. Mortgage Rates, Fees & Info

Los Angeles, CA

LEI: 54930035U7Q80J7HTS79

Tax ID: 45-5147913

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • 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, Bakersfield, Oxnard, and San Francisco among others. We have data for 14 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/21/24
    30 Year Conventional Purchase 6.97% 4/21/24
    30 Year Conventional Refi 6.58% 4/21/24
    30 Year Cash-out Refi 6.88% 4/21/24
    30 Year FHA Purchase 7.23% 4/21/24
    30 Year FHA Refi 6.91% 4/21/24
    30 Year VA Purchase 6.52% 4/21/24
    15 Year Conventional Refi 6.39% 4/21/24
    15 Year Cash-out Refi 6.39% 4/21/24
    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

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Campos Financial Corp.. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    314

    Origination Dollar Volume (All Markets)

    $142,090,000

    Awards

    CAMPOS FINANCIAL CORP. FHA Loans bronze CAMPOS FINANCIAL CORP. FHA Loans bronze
    Show all (2) awards

    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) 242 $111,490,000 $460,702 $13,420 4.88%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 23 $10,275,000 $446,739 $14,151 4.87%
    BAKERSFIELD, CA (FHA|USDA|VA) 26 $7,760,000 $298,462 $8,833 4.62%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 11 $6,595,000 $599,545 $14,335 4.63%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $1,330,000 $665,000 $25,476 6.88%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $1,110,000 $555,000 $23,694 3.94%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $745,000 $745,000 $6,429 5.13%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $595,000 $595,000 $7,865 4.88%
    STOCKTON, CA (FHA|USDA|VA) 1 $475,000 $475,000 $27,674 3.75%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $465,000 $465,000 $4,913 3.63%
    MODESTO, CA (FHA|USDA|VA) 1 $365,000 $365,000 $19,613 5.25%
    SALINAS, CA (FHA|USDA|VA) 1 $315,000 $315,000 $7,792 6.13%
    VISALIA, CA (FHA|USDA|VA) 1 $295,000 $295,000 $15,656 5.25%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $275,000 $275,000 $8,183 5.25%
    Campos Financial Corp.'s top markets include Los Angeles, Riverside, Bakersfield, Oxnard, and San Francisco among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)

    • 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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 187 $81,095,000 $433,663 $10,370 4.95%
    FHA 124 $59,900,000 $483,065 $17,531 4.68%
    FHA 2 $490,000 $245,000 $0 6.41%
    VA 1 $605,000 $605,000 $16,305 4.75%

    For 2022, Campos Financial Corp.'s most frequently originated type of loan was Conventional, with 187 originations. Their 2nd most popular type was FHA, with 124 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 221 $107,855,000 $488,032 $14,391 4.96%
    Cash Out Refi 69 $25,775,000 $373,551 $10,955 4.78%
    Refi 24 $8,460,000 $352,500 $9,093 4.07%

    For 2022, Campos Financial Corp.'s most frequently cited loan purpose was Home Purchase, with 221 originations. The 2nd most popular reason was Cash Out Refi, with 69 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 302 $138,570,000 $458,841 $13,377 4.87%
    15 Year 7 $1,985,000 $283,571 $7,744 4.20%
    20 Year 3 $1,045,000 $348,333 $11,746 4.00%
    Other 2 $490,000 $245,000 $0 6.41%

    For 2022, Campos Financial Corp.'s most frequently cited loan duration was 30 Year, with 302 originations. The 2nd most popular length was 15 Year, with 7 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 139 $68,605,000 $493,561
    $2k-3k 83 $35,755,000 $430,783
    $3k-4k 36 $13,600,000 $377,778
    $1k-2k 28 $13,390,000 $478,214
    $4k-5k 26 $10,250,000 $394,231

    Campos Financial Corp.'s average total fees were $13,377, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 139 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 96 $40,160,000 $418,333
    4-5% 84 $37,980,000 $452,143
    5-6% 82 $38,670,000 $471,585
    6-7% 42 $21,060,000 $501,429
    7-8% 7 $2,905,000 $415,000
    2.5-3% 2 $800,000 $400,000
    Over 8% 1 $515,000 $515,000

    During 2022, Campos Financial Corp.'s average interest rate for loans was 4.87%, while their most frequently originated rate bucket for loans was 3-4%, with 96 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $400k-600k 126 $60,850,000 $482,937 $14,178 4.79%
    $200k-400k 118 $36,650,000 $310,593 $9,712 4.85%
    $600k-1MM 57 $39,655,000 $695,702 $18,453 5.06%
    $100k-200k 11 $1,825,000 $165,909 $7,943 4.30%
    $1MM+ 2 $3,110,000 $1,555,000 $37,641 5.87%

    2022 saw Campos Financial Corp. place emphasis on $400k-600k loans with 126 originations, totaling $60,850,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 97 $48,275,000 $497,680 $14,375 5.07%
    $75k-100k 88 $35,270,000 $400,795 $12,056 4.55%
    $50k-75k 60 $18,240,000 $304,000 $10,288 4.57%
    $150k-250k 44 $28,850,000 $655,682 $17,243 5.28%
    $50k or less 16 $4,040,000 $252,500 $8,084 4.34%
    $250k+ 9 $7,415,000 $823,889 $20,548 6.15%

    Campos Financial Corp. lent most frequently to those with incomes in the $100k-150k range, with 97 originations. The second most popular income band? $75k-100k, with 88 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 71 $34,125,000 $480,634 $17,622 4.74%
    49% 34 $17,080,000 $502,353 $15,038 4.43%
    44% 28 $12,380,000 $442,143 $10,758 4.75%
    46% 25 $10,685,000 $427,400 $13,435 4.91%
    48% 24 $12,270,000 $511,250 $13,004 5.13%
    40% 18 $7,640,000 $424,444 $12,499 4.64%
    30-36% 17 $7,105,000 $417,941 $11,635 5.07%
    43% 16 $6,980,000 $436,250 $10,551 4.95%
    45% 14 $5,780,000 $412,857 $8,076 5.02%
    47% 13 $5,685,000 $437,308 $12,144 4.88%
    42% 12 $5,380,000 $448,333 $9,525 5.17%
    20-30% 11 $4,185,000 $380,455 $9,488 5.30%
    41% 10 $4,160,000 $416,000 $10,048 4.50%
    39% 7 $2,975,000 $425,000 $12,224 4.46%
    37% 5 $1,815,000 $363,000 $8,816 5.78%
    38% 4 $1,870,000 $467,500 $12,247 5.16%
    36% 3 $1,485,000 $495,000 $19,125 5.58%
    >60% 2 $490,000 $245,000 $0 6.41%

    Campos Financial Corp. lent most frequently to those with DTI ratios of 50-60%, with 71 originations. The next most common DTI ratio? 49%, with 34 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 286 $127,650,000 $446,329 $12,857 4.87%
    Black 17 $8,635,000 $507,941 $19,663 4.90%
    Asian 8 $4,100,000 $512,500 $12,325 4.17%
    Native Hawaiian or Islander 2 $1,500,000 $750,000 $24,122 5.19%
    Not provided 1 $205,000 $205,000 $3,635 3.50%

    Approval Rates

    Total approvals of all applications
    98.54%

    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 origination
    92.36%

    Campos Financial Corp. has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 314 $142,090,000 $452,516

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    314 $142,090,000 $452,516

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 14 $3,010,000 $215,000 $7,473 4.73%
    40-60% 37 $11,535,000 $311,757 $9,457 4.82%
    60-80% 86 $39,170,000 $455,465 $11,638 4.96%
    80-100% 177 $88,375,000 $499,294 $15,202 4.82%