Calculated Risk Analytics Mortgage Rates, Fees & Info

ALISO VIEJO, CA

LEI: 549300T7TLOJ8X6X8T43

Tax ID: 46-1055005

1 stars - out of 5 stars, based on 40 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Calculated Risk Analytics is a smaller mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. Calculated Risk Analytics has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets include Los Angeles, Riverside, San Diego, San Francisco, and Oxnard among others. Calculated Risk Analytics has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Calculated Risk Analytics is typically a high fee lendor.


Originations

1,617

Origination Dollar Volume (All Markets)

$847,785,000

Relative Rate

Calculated Risk Analytics 's average 30 year fixed rate mortgage of loans were 3.62%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.47%.

Relative Fees

Calculated Risk Analytics 's average total fees for a 30 year fixed rate mortgage are $10,991.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 836 $504,720,000 $603,732 $12,128 3.58%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 387 $149,445,000 $386,163 $10,531 3.51%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 61 $39,485,000 $647,295 $10,441 3.51%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 48 $33,360,000 $695,000 $10,979 3.79%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 24 $15,610,000 $650,417 $11,088 3.48%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 40 $15,080,000 $377,000 $7,389 3.33%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 16 $10,990,000 $686,875 $11,510 3.84%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 24 $8,730,000 $363,750 $12,234 4.43%
BAKERSFIELD, CA (FHA|USDA|VA) 32 $8,420,000 $263,125 $7,715 3.66%
SALINAS, CA (FHA|USDA|VA) 6 $8,250,000 $1,375,000 $24,278 3.71%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 10 $5,540,000 $554,000 $12,545 4.39%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 12 $5,100,000 $425,000 $12,545 4.07%
FRESNO, CA (FHA|USDA|VA) 18 $4,770,000 $265,000 $6,853 3.35%
URBAN HONOLULU, HI (FHA|USDA|VA) 5 $3,135,000 $627,000 $14,247 3.55%
JACKSONVILLE, FL (FHA|USDA|VA) 6 $2,890,000 $481,667 $16,343 3.79%
STOCKTON, CA (FHA|USDA|VA) 5 $2,785,000 $557,000 $14,580 4.10%
VALLEJO, CA (FHA|USDA|VA) 5 $2,445,000 $489,000 $8,599 3.25%
Glenwood Springs, CO (FHA|USDA|VA) 1 $2,125,000 $2,125,000 $7,852 6.63%
MODESTO, CA (FHA|USDA|VA) 6 $2,040,000 $340,000 $8,332 4.29%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $1,850,000 $462,500 $10,555 4.09%
Outside of Metro Areas 6 $1,830,000 $305,000 $6,219 3.23%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 7 $1,605,000 $229,286 $7,668 3.57%
Key West, FL (FHA|USDA|VA) 3 $1,425,000 $475,000 $10,913 3.79%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 4 $1,390,000 $347,500 $6,125 2.81%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 4 $1,120,000 $280,000 $8,636 3.09%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $1,095,000 $365,000 $10,145 2.67%
EL CENTRO, CA (FHA|USDA|VA) 4 $1,050,000 $262,500 $8,134 2.88%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $915,000 $305,000 $8,382 3.67%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $875,000 $875,000 $15,483 6.00%
VISALIA, CA (FHA|USDA|VA) 4 $820,000 $205,000 $5,129 3.31%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $790,000 $395,000 $10,639 4.13%
Hilo, HI (FHA|USDA|VA) 1 $705,000 $705,000 $5,905 3.25%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $675,000 $675,000 $10,615 3.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $645,000 $215,000 $8,165 5.17%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $575,000 $191,667 $4,625 4.75%
YUBA CITY, CA (FHA|USDA|VA) 2 $490,000 $245,000 $7,675 2.81%
BEND, OR (FHA|USDA|VA) 2 $460,000 $230,000 $4,262 3.63%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $460,000 $230,000 $4,189 3.75%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $445,000 $445,000 $4,326 2.50%
MEDFORD, OR (FHA|USDA|VA) 1 $405,000 $405,000 $0 5.13%
Granbury, TX (FHA|USDA|VA) 1 $385,000 $385,000 $6,022 3.50%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $385,000 $385,000 $17,759 4.00%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $370,000 $185,000 $3,842 2.88%
Sonora, CA (FHA|USDA|VA) 1 $365,000 $365,000 $12,123 6.50%
Klamath Falls, OR (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.25%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $245,000 $245,000 $4,060 2.50%
Clearlake, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.50%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $175,000 $175,000 $11,416 3.50%
OCALA, FL (FHA|USDA|VA) 1 $175,000 $175,000 $9,999 2.50%
KANKAKEE, IL (FHA|USDA|VA) 1 $165,000 $165,000 $8,549 2.63%
YUMA, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $6,135 6.75%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,414 2.50%
EL PASO, TX (FHA|USDA|VA) 1 $145,000 $145,000 $5,027 4.88%

Calculated Risk Analytics 's top markets include Los Angeles, Riverside, San Diego, San Francisco, and Oxnard among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,286 $710,330,000 $552,356 $10,926 3.74%
FHA 277 $113,165,000 $408,538 $12,765 3.06%
VA 54 $24,290,000 $449,815 $9,500 2.81%

For the 2021 period, Calculated Risk Analytics 's most frequently originated loan type of loans were Conventional, with 1,286 originations. Their 2nd most popular type is FHA, with 277 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 661 $364,215,000 $551,006 $13,434 3.81%
Refi 528 $273,400,000 $517,803 $9,027 3.25%
Cash Out Refi 427 $209,715,000 $491,136 $10,374 3.67%
Home Improvement 1 $455,000 $455,000 $5,531 5.13%

For the 2021, Calculated Risk Analytics 's most frequently cited loan purpose of loans were Home Purchase, with 661 originations. The 2nd most popular reason of loans were Refi, with 528 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,485 $748,805,000 $504,246 $10,991 3.62%
15 Year 57 $16,625,000 $291,667 $5,401 2.49%
30+ year 53 $74,145,000 $1,398,962 $26,694 4.20%
20 Year 12 $4,590,000 $382,500 $7,133 2.86%
Other 9 $3,495,000 $388,333 $6,041 3.15%
10 Year 1 $125,000 $125,000 $5,360 2.13%

For the 2021, Calculated Risk Analytics 's most frequently cited loan length of loans were 30 Year, with 1,485 originations. The 2nd most popular length of loans were 15 Year, with 57 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$5k+ 598 $409,700,000 $685,117
$1k-2k 488 $210,170,000 $430,676
$3k-4k 162 $60,260,000 $371,975
$2k-3k 129 $51,275,000 $397,481
$<1k 62 $21,250,000 $342,742

$10,991 of loans were Calculated Risk Analytics 's average total fees, while their most frequently occuring range of origination fees were in the $5k+ bucket, with 598 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 715 $380,185,000 $531,727
2.5-3% 398 $161,520,000 $405,829
4-5% 231 $155,925,000 $675,000
<2.5% 123 $42,575,000 $346,138
5-6% 122 $88,720,000 $727,213
6-7% 26 $18,420,000 $708,462
7-8% 2 $440,000 $220,000

During 2021, Calculated Risk Analytics 's average interest rate of loans were 3.62%, while their most frequently originated rate bucket of loans were 3-4%, with 715 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 638 $196,420,000 $307,868 $7,860 3.39%
$400k-600k 496 $243,250,000 $490,423 $11,009 3.54%
$600k-1MM 253 $185,175,000 $731,917 $14,360 3.91%
$1MM+ 126 $206,150,000 $1,636,111 $28,499 4.30%
$100k-200k 103 $16,715,000 $162,282 $5,415 3.45%
$100,000 or less 1 $75,000 $75,000 $4,231 3.88%

2021 saw Calculated Risk Analytics place emphasis on $200k-400k loans with 638 originations, totaling $196,420,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 350 $162,580,000 $464,514 $10,792 3.39%
$50k-75k 280 $88,130,000 $314,750 $8,289 3.22%
$75k-100k 255 $99,815,000 $391,431 $9,386 3.28%
$150k-250k 245 $143,505,000 $585,735 $11,315 3.61%
$250k+ 227 $239,555,000 $1,055,308 $20,282 4.30%
$50k or less 87 $19,875,000 $228,448 $6,870 3.20%

Calculated Risk Analytics lent most frequently to those with incomes in the $100k-150k range, with 350 originations. The second most popular income band? $50k-75k, with 280 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
30-36% 176 $93,850,000 $533,239 $11,570 3.59%
50-60% 119 $57,495,000 $483,151 $14,194 3.18%
20-30% 117 $64,495,000 $551,239 $11,288 3.68%
49% 92 $43,100,000 $468,478 $10,946 3.44%
44% 79 $37,035,000 $468,797 $11,744 3.46%
43% 75 $43,795,000 $583,933 $10,590 3.48%
46% 69 $33,945,000 $491,957 $11,053 3.40%
39% 64 $35,820,000 $559,688 $11,588 3.62%
42% 64 $36,330,000 $567,656 $10,711 3.58%
<20% 63 $33,665,000 $534,365 $11,340 3.80%
45% 59 $28,505,000 $483,136 $10,238 3.47%
40% 54 $28,280,000 $523,704 $10,233 3.43%
48% 54 $28,840,000 $534,074 $10,595 3.34%
41% 52 $33,020,000 $635,000 $11,973 3.74%
47% 43 $22,745,000 $528,953 $11,531 3.45%
37% 42 $20,120,000 $479,048 $9,492 3.40%
38% 40 $17,590,000 $439,750 $10,437 3.36%
36% 28 $13,550,000 $483,929 $10,118 3.43%
>60% 1 $375,000 $375,000 $5,363 3.25%

Calculated Risk Analytics lent most frequently to those with DTI ratios of 30-36%, with 176 originations. The next most common DTI ratio? 50-60%, with 119 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 929 $484,215,000 $521,222 $11,546 3.58%
Not provided 416 $210,570,000 $506,178 $11,144 3.59%
Asian 87 $54,305,000 $624,195 $12,142 3.61%
Black 52 $28,630,000 $550,577 $12,042 4.00%
Vietnamese 54 $27,690,000 $512,778 $7,285 3.46%
Chinese 18 $10,840,000 $602,222 $12,427 3.71%
Asian Indian 19 $7,905,000 $416,053 $5,956 3.20%
Filipino 16 $7,100,000 $443,750 $5,974 3.20%
Native Hawaiian 9 $5,865,000 $651,667 $15,215 3.81%
Other Asian 9 $5,075,000 $563,889 $9,431 3.92%
Japanese 3 $3,525,000 $1,175,000 $23,467 3.38%
Korean 3 $1,165,000 $388,333 $4,290 2.88%
1 $615,000 $615,000 $7,180 3.38%
Other Pacific Islander 1 $285,000 $285,000 $7,401 2.75%

Approval Rates

Total approvals of all applications
89.87%

Calculated Risk Analytics has an average approval rate.

Pick Rate

Approvals leading to origination
41.38%

Calculated Risk Analytics 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
1195.0 1 $805,000 $805,000
8780.0 1 $885,000 $885,000
NA 1,615 $846,095,000 $523,898

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
1,617 $847,785,000 $524,295

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 104 $38,450,000 $369,712 $7,255 3.21%
40-60% 297 $158,635,000 $534,125 $9,915 3.37%
60-80% 508 $288,700,000 $568,307 $11,690 3.86%
80-100% 513 $262,705,000 $512,096 $12,275 3.51%
Over 100% 8 $3,620,000 $452,500 $18,974 3.27%
Under 20% 13 $4,115,000 $316,538 $6,116 3.44%