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 loans. Best Capital Funding has a high proportion of conventional loans. They have a a high proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Riverside, Oxnard, San Francisco, and San Diego among others. We have data for 89 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 an average 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
1,761Origination Dollar Volume (All Markets)
$662,505,000Awards
BEST CAPITAL FUNDING - 2019
BEST CAPITAL FUNDING is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 708 | $318,930,000 | $450,466 | $9,537 | 4.53% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 454 | $144,880,000 | $319,119 | $8,075 | 4.54% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 160 | $76,850,000 | $480,313 | $3,725 | 3.89% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 50 | $23,560,000 | $471,200 | $6,424 | 4.28% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 24 | $10,560,000 | $440,000 | $8,800 | 4.55% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 31 | $7,815,000 | $252,097 | $6,830 | 4.39% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 25 | $6,425,000 | $257,000 | $7,567 | 4.94% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 25 | $5,315,000 | $212,600 | $6,648 | 4.31% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 21 | $4,855,000 | $231,190 | $6,767 | 4.67% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 11 | $4,485,000 | $407,727 | $4,963 | 3.92% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 24 | $4,220,000 | $175,833 | $5,023 | 4.73% |
| VALLEJO, CA (FHA|USDA|VA) | 9 | $3,745,000 | $416,111 | $9,901 | 4.44% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 14 | $3,590,000 | $256,429 | $6,760 | 4.54% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 12 | $3,570,000 | $297,500 | $5,300 | 4.46% |
| STOCKTON, CA (FHA|USDA|VA) | 9 | $3,225,000 | $358,333 | $6,492 | 4.25% |
| FRESNO, CA (FHA|USDA|VA) | 9 | $2,465,000 | $273,889 | $4,258 | 4.43% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 7 | $1,995,000 | $285,000 | $11,281 | 4.45% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 6 | $1,860,000 | $310,000 | $7,161 | 4.19% |
| Outside of Metro Areas | 9 | $1,555,000 | $172,778 | $6,311 | 4.74% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 8 | $1,470,000 | $183,750 | $5,025 | 4.75% |
| Natchitoches, LA (FHA|USDA|VA) | 9 | $1,365,000 | $151,667 | $4,864 | 4.36% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $5,265 | 4.13% |
| NAPA, CA (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $17,223 | 4.81% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $3,443 | 4.78% |
| BATON ROUGE, LA (FHA|USDA|VA) | 8 | $1,120,000 | $140,000 | $5,289 | 4.83% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $1,615 | 4.31% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $6,292 | 4.00% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $9,283 | 5.31% |
| TYLER, TX (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $5,936 | 4.68% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $7,568 | 4.25% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $6,008 | 4.73% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $7,531 | 4.81% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $6,731 | 3.96% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 6 | $850,000 | $141,667 | $4,323 | 4.79% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $6,172 | 4.46% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $4,462 | 3.69% |
| LAFAYETTE, LA (FHA|USDA|VA) | 5 | $655,000 | $131,000 | $6,265 | 4.85% |
| FARMINGTON, NM (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $5,167 | 4.16% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $7,457 | 4.44% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $11,903 | 3.94% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $7,506 | 4.42% |
| RENO, NV (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $8,366 | 3.50% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,582 | 3.67% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $11,158 | 4.13% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $14,329 | 5.25% |
| LAREDO, TX (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $6,931 | 4.71% |
| MERCED, CA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $8,378 | 4.44% |
| Bogalusa, LA (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,620 | 5.50% |
| Coos Bay, OR (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,019 | 4.38% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,280 | 5.00% |
| REDDING, CA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,233 | 4.56% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,086 | 4.38% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,623 | 4.44% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,557 | 4.75% |
| CHICO, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,099 | 5.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,047 | 5.25% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,389 | 5.63% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,698 | 5.44% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,625 | 4.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,971 | 5.25% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,467 | 3.88% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,119 | 3.88% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,189 | 5.13% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,629 | 5.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,380 | 4.13% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,543 | 5.25% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,492 | 4.88% |
| Elko, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,127 | 3.63% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,411 | 5.13% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,803 | 4.25% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,283 | 5.25% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,939 | 4.63% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $4,740 | 6.56% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $3,714 | 5.25% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,908 | 4.13% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,060 | 4.63% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,971 | 4.63% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,451 | 5.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,229 | 5.38% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,793 | 4.13% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,778 | 5.13% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,050 | 5.25% |
| MADERA, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,722 | 4.13% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,667 | 5.00% |
| Minden, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,330 | 5.63% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,346 | 4.50% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,289 | 4.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,153 | 4.88% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,435 | 5.13% |
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Product Mix
For 2019, Best Capital Funding's most frequently originated type of loan was Conventional, with 1,091 originations. Their 2nd most popular type was FHA, with 614 originations.
Loan Reason
For 2019, Best Capital Funding's most frequently cited loan purpose was Home Purchase, with 1,065 originations. The 2nd most popular reason was Cash Out Refi, with 368 originations.
Loan Duration/Length
For 2019, Best Capital Funding's most frequently cited loan duration was 30 Year, with 1,701 originations. The 2nd most popular length was 15 Year, with 35 originations.
Origination Fees/Closing Costs
Best Capital Funding's average total fees were $8,050, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 587 originations.
Interest Rates
During 2019, Best Capital Funding's average interest rate for loans was 4.50%, while their most frequently originated rate bucket for loans was 4-5%, with 910 originations.
Loan Sizing
2019 saw Best Capital Funding place emphasis on $200k-400k loans with 771 originations, totaling $233,965,000 in origination value.
Applicant Income
Best Capital Funding lent most frequently to those with incomes in the $100k-150k range, with 515 originations. The second most popular income band? $75k-100k, with 417 originations.
Applicant Debt to Income Ratio
Best Capital Funding lent most frequently to those with DTI ratios of 30-36%, with 13 originations. The next most common DTI ratio? 50-60%, with 10 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.82%
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 origination77.74%
Best Capital Funding has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,761 | $662,505,000 | $376,210 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 64 | $10,900,000 | $170,313 |
| Single Family (1-4 Units):Site-Built | 1,697 | $651,605,000 | $383,975 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Best Capital Funding | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |