Fundloans Capital Mortgage Rates, Fees & Info
ENCINITAS, CALEI: 549300A68YW07V5R5G22
Tax ID: 46-5295699
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Fundloans Capital is a smaller mortgage company specializing in Home Purchase, Cash Out Refi, and Refi loans. Fundloans Capital has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, San Diego, Miami, San Francisco, and Riverside among others. We have data for 72 markets. (Some data included below & more in-depth data is available with an active subscription.)Fundloans Capital has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Fundloans Capital 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% | 3/19/23 |
| 30 Year Conventional Purchase | 7.85% | 3/19/23 |
| 30 Year Conventional Refi | 7.03% | 3/19/23 |
| 30 Year Cash-out Refi | 7.49% | 3/19/23 |
| 15 Year Conventional Purchase | 5.68% | 3/19/23 |
| 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. | ||
Originations
677Origination Dollar Volume (All Markets)
$656,875,000Relative Rate
Fundloans Capital's average 30 year fixed mortgage rate was
4.28%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of 1.13%.
Relative Fees (Closing Costs)
Fundloans Capital's average total fees/closing costs for a 30 year fixed rate
mortgage were $20,169.
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.
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) | 165 | $209,865,000 | $1,271,909 | $24,380 | 4.16% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 96 | $95,190,000 | $991,563 | $22,123 | 4.11% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 67 | $54,305,000 | $810,522 | $25,164 | 4.71% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 45 | $47,825,000 | $1,062,778 | $19,668 | 4.11% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 54 | $32,540,000 | $602,593 | $16,396 | 4.44% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 15 | $14,915,000 | $994,333 | $17,943 | 3.92% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 10 | $14,510,000 | $1,451,000 | $30,944 | 4.46% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 15 | $14,185,000 | $945,667 | $21,983 | 4.77% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 10 | $12,280,000 | $1,228,000 | $23,449 | 4.29% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 7 | $11,975,000 | $1,710,714 | $34,660 | 4.58% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 9 | $10,935,000 | $1,215,000 | $42,763 | 4.07% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 6 | $9,470,000 | $1,578,333 | $23,625 | 4.46% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 8 | $9,310,000 | $1,163,750 | $36,491 | 4.05% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 15 | $8,905,000 | $593,667 | $13,307 | 4.71% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 12 | $7,840,000 | $653,333 | $12,782 | 4.11% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $6,490,000 | $811,250 | $16,212 | 4.59% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $5,630,000 | $2,815,000 | $0 | 4.88% |
| Kapaa, HI (FHA|USDA|VA) | 5 | $5,615,000 | $1,123,000 | $27,365 | 4.63% |
| Glenwood Springs, CO (FHA|USDA|VA) | 2 | $5,370,000 | $2,685,000 | $94,430 | 4.13% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $5,295,000 | $1,765,000 | $29,420 | 3.92% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 7 | $4,885,000 | $697,857 | $21,133 | 4.27% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 12 | $4,530,000 | $377,500 | $14,318 | 4.54% |
| Key West, FL (FHA|USDA|VA) | 2 | $4,170,000 | $2,085,000 | $81,588 | 4.75% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 8 | $3,570,000 | $446,250 | $16,189 | 4.66% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 6 | $3,250,000 | $541,667 | $11,192 | 4.79% |
| Hilo, HI (FHA|USDA|VA) | 3 | $2,535,000 | $845,000 | $23,294 | 3.83% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $2,360,000 | $590,000 | $17,459 | 5.03% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $2,325,000 | $2,325,000 | $48,240 | 4.13% |
| NAPA, CA (FHA|USDA|VA) | 2 | $2,140,000 | $1,070,000 | $25,076 | 4.88% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $2,045,000 | $681,667 | $23,539 | 4.25% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $2,020,000 | $1,010,000 | $21,539 | 4.00% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 5 | $1,975,000 | $395,000 | $11,375 | 4.32% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $1,940,000 | $323,333 | $11,011 | 4.58% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,935,000 | $645,000 | $0 | 5.29% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $1,755,000 | $585,000 | $10,550 | 3.79% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $1,740,000 | $870,000 | $20,739 | 3.50% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $1,630,000 | $815,000 | $13,298 | 3.19% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $1,595,000 | $531,667 | $16,879 | 4.71% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,505,000 | $501,667 | $16,158 | 4.29% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 5.25% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $1,485,000 | $1,485,000 | $0 | 4.50% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $1,425,000 | $475,000 | $15,090 | 3.79% |
| BEND, OR (FHA|USDA|VA) | 2 | $1,260,000 | $630,000 | $9,979 | 4.44% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $5,069 | 5.25% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $1,240,000 | $620,000 | $15,125 | 4.81% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $14,358 | 4.63% |
| Outside of Metro Areas | 1 | $1,175,000 | $1,175,000 | $27,317 | 4.88% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $22,371 | 4.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $17,539 | 3.88% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $0 | 4.28% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $31,987 | 4.13% |
| Heber, UT (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 4.75% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $34,705 | 4.50% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $10,783 | 5.00% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $0 | 6.25% |
| RENO, NV (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $20,023 | 4.38% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $22,191 | 4.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $0 | 4.50% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $8,266 | 5.00% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $15,950 | 5.13% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $16,981 | 4.50% |
| Gillette, WY (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $9,058 | 4.88% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 5.88% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $18,408 | 4.25% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $12,606 | 4.38% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,670 | 4.50% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $12,513 | 4.00% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $9,290 | 4.88% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 4.50% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,560 | 5.75% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,605 | 3.38% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.88% |
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We use machine learning to identify the top lenders compared against FUNDLOANS CAPITAL 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 | 677 | $656,875,000 | $970,273 | $21,705 | 4.33% |
For 2021, Fundloans Capital's most frequently originated type of loan was Conventional, with 677 originations.
Loan Reason
For 2021, Fundloans Capital's most frequently cited loan purpose was Home Purchase, with 345 originations. The 2nd most popular reason was Cash Out Refi, with 192 originations.
Loan Duration/Length
For 2021, Fundloans Capital's most frequently cited loan duration was 30 Year, with 552 originations. The 2nd most popular length was 30+ year, with 121 originations.
Origination Fees/Closing Costs
Fundloans Capital's average total fees were $20,169, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 431 originations.
Interest Rates
During 2021, Fundloans Capital's average interest rate for loans was 4.28%, while their most frequently originated rate bucket for loans was 4-5%, with 252 originations.
Loan Sizing
2021 saw Fundloans Capital place emphasis on $1MM+ loans with 226 originations, totaling $401,260,000 in origination value.
Applicant Income
Fundloans Capital lent most frequently to those with incomes in the $250k+ range, with 314 originations. The second most popular income band? $150k-250k, with 112 originations.
Applicant Debt to Income Ratio
Fundloans Capital lent most frequently to those with DTI ratios of <20%, with 126 originations. The next most common DTI ratio? 20-30%, with 112 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.40%
Fundloans Capital has a below average approval rate.
Pick Rate
Approvals leading to origination36.04%
Fundloans Capital has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 677 | $656,875,000 | $970,273 |