Best Capital Funding Mortgage Rates, Fees & Info
Glendale, CALEI: 549300CEGZGHVQG0OD32
Tax ID: 26-2593704
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Mortgage Data
Review & Overview
Best Capital Funding is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. Best Capital Funding 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, Fresno, Las Vegas, and Dallas among others. We have data for 103 markets. (Some data included below & more in-depth data is available with an active subscription.)Best Capital Funding has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Best Capital Funding 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 |
|---|---|---|
| 30 Year Conventional Purchase | 6.93% | 3/25/24 |
| 30 Year Conventional Refi | 6.37% | 3/25/24 |
| 30 Year Cash-out Refi | 6.75% | 3/25/24 |
| 30 Year FHA Purchase | 7.45% | 3/25/24 |
| 30 Year FHA Refi | 6.88% | 3/25/24 |
| 30 Year VA Purchase | 6.30% | 3/25/24 |
| 15 Year Conventional Purchase | 5.95% | 3/25/24 |
| 15 Year Conventional Refi | 5.82% | 3/25/24 |
| 15 Year Cash-out Refi | 5.82% | 3/25/24 |
| 15 Year FHA Purchase | 5.68% | 3/25/24 |
| 15 Year FHA Refi | 5.68% | 3/25/24 |
| 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. | ||
Best Capital Funding Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
687Origination Dollar Volume (All Markets)
$247,655,000Awards
BEST CAPITAL FUNDING - 2022
BEST CAPITAL FUNDING is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Best Capital Funding's average 30 year fixed mortgage rate was
4.32%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.44%.
Relative Fees (Closing Costs)
Best Capital Funding's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,992.
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) | 95 | $54,555,000 | $574,263 | $12,985 | 4.29% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 88 | $37,000,000 | $420,455 | $12,371 | 4.46% |
| FRESNO, CA (FHA|USDA|VA) | 64 | $20,060,000 | $313,438 | $7,379 | 4.12% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 51 | $19,555,000 | $383,431 | $9,089 | 4.34% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 49 | $13,125,000 | $267,857 | $5,564 | 4.07% |
| MADERA, CA (FHA|USDA|VA) | 23 | $8,415,000 | $365,870 | $7,343 | 3.89% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 25 | $7,705,000 | $308,200 | $4,428 | 4.19% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 19 | $5,705,000 | $300,263 | $6,423 | 4.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 18 | $4,840,000 | $268,889 | $11,359 | 4.35% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 10 | $4,610,000 | $461,000 | $9,481 | 4.69% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 12 | $4,560,000 | $380,000 | $3,781 | 3.77% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 10 | $4,140,000 | $414,000 | $9,546 | 4.29% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 8 | $3,780,000 | $472,500 | $12,303 | 4.25% |
| LOUISVILLE, KY (FHA|USDA|VA) | 18 | $3,380,000 | $187,778 | $3,948 | 4.04% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 8 | $3,210,000 | $401,250 | $6,835 | 4.20% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $2,865,000 | $409,286 | $9,745 | 4.14% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 10 | $2,800,000 | $280,000 | $4,702 | 4.07% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 14 | $2,750,000 | $196,429 | $6,638 | 4.25% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $2,740,000 | $685,000 | $18,796 | 4.19% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $2,055,000 | $293,571 | $7,738 | 4.43% |
| Outside of Metro Areas | 6 | $2,040,000 | $340,000 | $8,050 | 4.17% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 7 | $1,675,000 | $239,286 | $7,417 | 5.02% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 4 | $1,520,000 | $380,000 | $13,729 | 4.22% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $6,563 | 4.43% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $8,930 | 4.42% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $6,522 | 4.31% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $7,367 | 4.42% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $8,280 | 4.69% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $8,070 | 4.02% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $10,006 | 5.17% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $9,783 | 4.00% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $8,304 | 4.44% |
| RENO, NV (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $11,726 | 4.31% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $6,797 | 4.19% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $6,726 | 4.67% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $4,752 | 3.93% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $6,009 | 5.37% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $5,473 | 4.75% |
| BEND, OR (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,177 | 4.75% |
| Newport, OR (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $5,440 | 6.12% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $4,935 | 4.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $10,867 | 5.31% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $28,270 | 4.63% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,533 | 3.56% |
| CHICO, CA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,413 | 4.75% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $12,511 | 3.38% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $7,177 | 3.93% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $10,720 | 5.06% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $10,709 | 4.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $14,866 | 4.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $9,428 | 4.75% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $11,757 | 4.50% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,977 | 3.13% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $12,785 | 5.38% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,131 | 3.13% |
| Fernley, NV (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $14,303 | 4.75% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $13,747 | 4.75% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,688 | 3.25% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,029 | 2.38% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,419 | 5.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,975 | 3.75% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $10,401 | 4.25% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $7,966 | 5.63% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,593 | 4.50% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $11,724 | 4.13% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,468 | 5.38% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,913 | 4.99% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,689 | 3.75% |
| Torrington, CT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,700 | 5.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,982 | 4.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,747 | 3.38% |
| SALEM, OR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,730 | 3.00% |
| Jasper, AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,974 | 4.88% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,816 | 5.13% |
| MERCED, CA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,219 | 3.87% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,050 | 3.50% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $13,038 | 3.88% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $4,193 | 4.58% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,689 | 2.75% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $6,541 | 7.88% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,859 | 3.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,312 | 4.75% |
| Bardstown, KY (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,789 | 3.81% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,078 | 4.25% |
| TULSA, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,896 | 5.88% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,618 | 3.25% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,057 | 3.13% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,561 | 5.38% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,813 | 5.13% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,078 | 4.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,671 | 5.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,961 | 5.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,299 | 3.63% |
| Winona, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,679 | 4.63% |
| Findlay, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,446 | 5.75% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,004 | 3.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,908 | 3.25% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,503 | 3.88% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,065 | 3.25% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,754 | 4.25% |
| Martin, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,167 | 2.99% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,086 | 2.88% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,836 | 5.63% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 576 | $207,490,000 | $360,226 | $7,932 | 4.33% |
| FHA | 89 | $30,015,000 | $337,247 | $13,891 | 4.04% |
| VA | 22 | $10,150,000 | $461,364 | $11,801 | 3.75% |
For 2022, Best Capital Funding's most frequently originated type of loan was Conventional, with 576 originations. Their 2nd most popular type was FHA, with 89 originations.
Loan Reason
For 2022, Best Capital Funding's most frequently cited loan purpose was Home Purchase, with 390 originations. The 2nd most popular reason was Cash Out Refi, with 204 originations.
Loan Duration/Length
For 2022, Best Capital Funding's most frequently cited loan duration was 30 Year, with 650 originations. The 2nd most popular length was 15 Year, with 23 originations.
Origination Fees/Closing Costs
Best Capital Funding's average total fees were $8,992, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 273 originations.
Interest Rates
During 2022, Best Capital Funding's average interest rate for loans was 4.32%, while their most frequently originated rate bucket for loans was 3-4%, with 303 originations.
Loan Sizing
2022 saw Best Capital Funding place emphasis on $200k-400k loans with 288 originations, totaling $87,000,000 in origination value.
Applicant Income
Best Capital Funding lent most frequently to those with incomes in the $100k-150k range, with 174 originations. The second most popular income band? $50k-75k, with 124 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 1 | $125,000 | $125,000 | $4,012 | 4.50% |
Best Capital Funding lent most frequently to those with DTI ratios of 20-30%, with 1 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.17%
Best Capital Funding has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination13.83%
Best Capital Funding 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 | 687 | $247,655,000 | $360,488 |