Calculated Risk Analytics Mortgage Rates, Fees & InfoALISO VIEJO, CA
Tax ID: 46-1055005
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewCalculated Risk Analytics is a smaller mortgage company specializing in Home Purchase 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 by origination volume include: Los Angeles, Riverside, Bakersfield, Tucson, and San Francisco among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)
Calculated Risk Analytics 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. Calculated Risk Analytics 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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|Simulated Rate||Simulation Date|
|Home Equity Line of Credit (HELOC)||6.27%||11/30/23|
|30 Year Conventional Purchase||7.71%||11/30/23|
|30 Year Conventional Refi||6.64%||11/30/23|
|30 Year Cash-out Refi||7.50%||11/30/23|
|30 Year FHA Purchase||7.50%||11/30/23|
|30 Year VA Purchase||6.30%||11/30/23|
|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.|
Calculated Risk Analytics Mortgage Calculator
Your EstimatesEstimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Calculated Risk Analytics. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Origination Dollar Volume (All Markets)$48,060,000
Calculated Risk Analytics's average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.1%.
Relative Fees (Closing Costs)
Calculated Risk Analytics's average total fees/closing costs for a 30 year fixed rate
mortgage were $13,790.
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.
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)||41||$29,475,000||$718,902||$15,930||4.81%|
|RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA)||31||$13,995,000||$451,452||$11,577||4.90%|
|BAKERSFIELD, CA (FHA|USDA|VA)||7||$2,305,000||$329,286||$13,678||4.61%|
|TUCSON, AZ (FHA|USDA|VA)||1||$1,245,000||$1,245,000||$0||6.50%|
|San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA)||1||$525,000||$525,000||$14,373||5.25%|
|Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA)||3||$515,000||$171,667||$0||6.92%|
We use machine learning to identify the top lenders compared against CALCULATED RISK ANALYTICS based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Calculated Risk Analytics's most frequently originated type of loan was Conventional, with 63 originations. Their 2nd most popular type was FHA, with 19 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
|Cash Out Refi||15||$10,945,000||$729,667||$12,907||4.92%|
For 2022, Calculated Risk Analytics's most frequently cited loan purpose was Home Purchase, with 68 originations. The 2nd most popular reason was Cash Out Refi, with 15 originations.
|Loan Length||Originations||Total Value||Average Loan||Average Fees||Average Rate|
For 2022, Calculated Risk Analytics's most frequently cited loan duration was 30 Year, with 78 originations. The 2nd most popular length was 30+ year, with 6 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
Calculated Risk Analytics's average total fees were $13,790, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 32 originations.
|Loan Rate||Originations||Total Value||Average Loan|
During 2022, Calculated Risk Analytics's average interest rate for loans was 4.86%, while their most frequently originated rate bucket for loans was 4-5%, with 32 originations.
2022 saw Calculated Risk Analytics place emphasis on $400k-600k loans with 33 originations, totaling $16,425,000 in origination value.
Calculated Risk Analytics lent most frequently to those with incomes in the $100k-150k range, with 29 originations. The second most popular income band? $150k-250k, with 15 originations.
Applicant Debt to Income Ratio
Calculated Risk Analytics lent most frequently to those with DTI ratios of 38%, with 3 originations. The next most common DTI ratio? 30-36%, with 2 originations.
Approval RatesTotal approvals of all applications
Calculated Risk Analytics has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick RateApprovals leading to origination
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|