Professional Consolidated Financial Group Mortgage Rates, Fees & Info
TEMPLE CITY, CALEI: 549300T3PE251I1FTX35
Tax ID: 95-4399912
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Mortgage Data
Review & Overview
Professional Consolidated Financial Group is a smaller mortgage company specializing in Refi, Home Purchase, and Cash Out Refi loans. Professional Consolidated Financial Group has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, Oxnard, Santa Rosa, and San Francisco among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)Professional Consolidated Financial Group 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. Professional Consolidated Financial Group is typically a low 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 | 5.98% | 3/25/24 |
| 30 Year Conventional Refi | 6.03% | 3/25/24 |
| 30 Year Cash-out Refi | 6.05% | 3/25/24 |
| 15 Year Conventional Refi | 4.89% | 3/25/24 |
| 15 Year Cash-out Refi | 4.89% | 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. | ||
Professional Consolidated Financial Group Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
171Origination Dollar Volume (All Markets)
$70,725,000Top 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) | 137 | $58,715,000 | $428,577 | $4,823 | 4.22% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 25 | $8,525,000 | $341,000 | $0 | 4.11% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $0 | 4.50% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $0 | 4.44% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 4.13% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 3.25% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 5.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 3.13% |
Their top states include:
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 171 | $70,725,000 | $413,596 | $4,823 | 4.20% |
For 2019, Professional Consolidated Financial Group's most frequently originated type of loan was Conventional, with 171 originations.
Loan Reason
For 2019, Professional Consolidated Financial Group's most frequently cited loan purpose was Refi, with 67 originations. The 2nd most popular reason was Home Purchase, with 57 originations.
Loan Duration/Length
For 2019, Professional Consolidated Financial Group's most frequently cited loan duration was 30 Year, with 142 originations. The 2nd most popular length was 15 Year, with 12 originations.
Origination Fees/Closing Costs
Professional Consolidated Financial Group's average total fees were $3,129, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 70 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 89 | $38,295,000 | $430,281 |
| 3-4% | 71 | $28,505,000 | $401,479 |
| 5-6% | 10 | $3,620,000 | $362,000 |
| 6-7% | 1 | $305,000 | $305,000 |
During 2019, Professional Consolidated Financial Group's average interest rate for loans was 4.28%, while their most frequently originated rate bucket for loans was 4-5%, with 89 originations.
Loan Sizing
2019 saw Professional Consolidated Financial Group place emphasis on $400k-600k loans with 79 originations, totaling $36,735,000 in origination value.
Applicant Income
Professional Consolidated Financial Group lent most frequently to those with incomes in the $100k-150k range, with 50 originations. The second most popular income band? $150k-250k, with 39 originations.
Applicant Debt to Income Ratio
Professional Consolidated Financial Group lent most frequently to those with DTI ratios of 30-36%, with 26 originations. The next most common DTI ratio? 20-30%, with 23 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.45%
Professional Consolidated Financial Group has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination95.91%
Professional Consolidated Financial Group has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 5 | $2,395,000 | $479,000 |
| 0.44 | 1 | $475,000 | $475,000 |
| 1495.0 | 1 | $185,000 | $185,000 |
| 1545.0 | 1 | $145,000 | $145,000 |
| 1645.0 | 1 | $405,000 | $405,000 |
| 1735.0 | 19 | $8,185,000 | $430,789 |
| 1765.0 | 1 | $475,000 | $475,000 |
| 1793.5 | 1 | $435,000 | $435,000 |
| 1840.0 | 1 | $295,000 | $295,000 |
| 1895.0 | 1 | $245,000 | $245,000 |
| 1940.0 | 1 | $135,000 | $135,000 |
| 1970.0 | 1 | $325,000 | $325,000 |
| 200.0 | 1 | $725,000 | $725,000 |
| 2070.0 | 1 | $215,000 | $215,000 |
| 2144.2 | 1 | $485,000 | $485,000 |
| 2285.0 | 4 | $2,030,000 | $507,500 |
| 2315.0 | 1 | $315,000 | $315,000 |
| 2335.0 | 10 | $3,750,000 | $375,000 |
| 2350.0 | 1 | $355,000 | $355,000 |
| 2359.12 | 1 | $345,000 | $345,000 |
| 2385.0 | 2 | $640,000 | $320,000 |
| 2435.0 | 5 | $2,845,000 | $569,000 |
| 2465.0 | 1 | $405,000 | $405,000 |
| 2485.0 | 2 | $820,000 | $410,000 |
| 2535.0 | 3 | $945,000 | $315,000 |
| 2744.0 | 1 | $685,000 | $685,000 |
| 3086.0 | 1 | $375,000 | $375,000 |
| 3252.4 | 1 | $405,000 | $405,000 |
| 3307.0 | 1 | $415,000 | $415,000 |
| 4510.0 | 1 | $445,000 | $445,000 |
| 4585.0 | 1 | $465,000 | $465,000 |
| 4720.0 | 1 | $315,000 | $315,000 |
| 5385.0 | 1 | $285,000 | $285,000 |
| 550.0 | 6 | $2,670,000 | $445,000 |
| 5785.0 | 1 | $355,000 | $355,000 |
| 5935.0 | 1 | $215,000 | $215,000 |
| 600.0 | 26 | $10,780,000 | $414,615 |
| 6201.8 | 1 | $685,000 | $685,000 |
| 630.0 | 1 | $485,000 | $485,000 |
| 700.0 | 4 | $1,740,000 | $435,000 |
| 7735.0 | 1 | $605,000 | $605,000 |
| 800.0 | 1 | $345,000 | $345,000 |
| NA | 54 | $21,880,000 | $405,185 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 171 | $70,725,000 | $413,596 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Professional Mortgage Associates | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |