Fundloans Capital Mortgage Rates, Fees & Info
ENCINITAS, CALEI: 549300A68YW07V5R5G22
Tax ID: 46-5295699
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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 San Jose among others. We have data for 67 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 |
|---|---|---|
| 30 Year Conventional Purchase | 8.44% | 12/16/24 |
| 30 Year Conventional Refi | 7.53% | 12/16/24 |
| 30 Year Cash-out Refi | 9.05% | 12/16/24 |
| 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. | ||
Fundloans Capital Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
477Origination Dollar Volume (All Markets)
$390,095,000Top 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) | 128 | $148,480,000 | $1,160,000 | $20,918 | 5.72% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 78 | $62,270,000 | $798,333 | $14,266 | 5.60% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 43 | $24,995,000 | $581,279 | $17,082 | 6.21% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 26 | $23,370,000 | $898,846 | $18,890 | 5.51% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 17 | $13,755,000 | $809,118 | $13,995 | 6.05% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 27 | $12,845,000 | $475,741 | $12,094 | 5.89% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 17 | $10,565,000 | $621,471 | $12,264 | 6.05% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 15 | $8,765,000 | $584,333 | $13,098 | 6.13% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 8 | $5,650,000 | $706,250 | $7,782 | 4.86% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $5,505,000 | $5,505,000 | $64,927 | 5.49% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 8 | $5,050,000 | $631,250 | $14,629 | 5.79% |
| Key West, FL (FHA|USDA|VA) | 1 | $4,425,000 | $4,425,000 | $123,185 | 6.75% |
| SALINAS, CA (FHA|USDA|VA) | 7 | $4,255,000 | $607,857 | $15,449 | 5.94% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $3,965,000 | $1,321,667 | $18,400 | 4.58% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 3 | $3,885,000 | $1,295,000 | $21,722 | 5.41% |
| Outside of Metro Areas | 3 | $3,665,000 | $1,221,667 | $20,932 | 5.79% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $3,340,000 | $835,000 | $21,091 | 6.21% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $3,270,000 | $1,635,000 | $9,865 | 5.56% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 6 | $3,260,000 | $543,333 | $0 | 5.85% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $3,185,000 | $455,000 | $10,642 | 5.91% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $3,035,000 | $3,035,000 | $0 | 5.99% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $2,470,000 | $1,235,000 | $22,726 | 5.56% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $2,035,000 | $2,035,000 | $28,146 | 6.38% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $1,970,000 | $985,000 | $17,779 | 6.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $1,845,000 | $615,000 | $15,262 | 6.42% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 3 | $1,765,000 | $588,333 | $14,012 | 6.27% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 11 | $1,745,000 | $158,636 | $0 | 5.49% |
| Outside of Metro Areas | 1 | $1,445,000 | $1,445,000 | $24,861 | 4.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $28,518 | 6.28% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $1,155,000 | $1,155,000 | $29,060 | 6.13% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $12,168 | 5.50% |
| Hilo, HI (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $38,431 | 5.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $13,583 | 4.63% |
| EL CENTRO, CA (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $0 | 7.00% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $28,591 | 4.99% |
| Hailey, ID (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $14,346 | 5.63% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $9,658 | 7.44% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $14,685 | 7.55% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $4,233 | 7.13% |
| OCALA, FL (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $20,547 | 3.38% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $10,530 | 4.75% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $14,675 | 6.94% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $16,781 | 5.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $14,343 | 5.13% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,864 | 6.31% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $22,424 | 4.75% |
| MERCED, CA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,858 | 5.88% |
| BEND, OR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $11,576 | 4.88% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $9,936 | 5.99% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 6.39% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 6.99% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,808 | 7.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $11,385 | 5.38% |
| MADERA, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,982 | 6.75% |
| SALEM, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,436 | 6.13% |
| TYLER, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,257 | 4.38% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,308 | 4.98% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,507 | 4.38% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,644 | 6.33% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,433 | 5.88% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 7.45% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 6.75% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 6.98% |
| Susanville, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,113 | 3.63% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,512 | 6.13% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.73% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.68% |
Similar Lenders
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 | 474 | $389,310,000 | $821,329 | $17,085 | 5.79% |
| HELOC | 3 | $785,000 | $261,667 | n/a | 8.75% |
For 2019, Fundloans Capital's most frequently originated type of loan was Conventional, with 474 originations. Their 2nd most popular type was HELOC, with 3 originations.
Loan Reason
For 2019, Fundloans Capital's most frequently cited loan purpose was Home Purchase, with 228 originations. The 2nd most popular reason was Cash Out Refi, with 149 originations.
Loan Duration/Length
For 2019, Fundloans Capital's most frequently cited loan duration was 30 Year, with 391 originations. The 2nd most popular length was 30+ year, with 85 originations.
Origination Fees/Closing Costs
Fundloans Capital's average total fees were $16,225, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 251 originations.
Interest Rates
During 2019, Fundloans Capital's average interest rate for loans was 5.86%, while their most frequently originated rate bucket for loans was 5-6%, with 157 originations.
Loan Sizing
2019 saw Fundloans Capital place emphasis on $1MM+ loans with 121 originations, totaling $216,675,000 in origination value.
Applicant Income
Fundloans Capital lent most frequently to those with incomes in the $250k+ range, with 197 originations. The second most popular income band? $150k-250k, with 98 originations.
Applicant Debt to Income Ratio
Fundloans Capital lent most frequently to those with DTI ratios of <20%, with 99 originations. The next most common DTI ratio? 20-30%, with 62 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.95%
Fundloans Capital has a below average approval rate.
Pick Rate
Approvals leading to origination44.23%
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 |
|---|---|---|---|
| 0.0 | 3 | $785,000 | $261,667 |
| NA | 474 | $389,310,000 | $821,329 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 477 | $390,095,000 | $817,809 |