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

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & 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 by origination volume include: Los Angeles, Riverside, San Diego, San Francisco, and Oxnard among others. We have data for 53 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Calculated Risk Analytics has an 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 relatively high 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 9.13% 1/29/23
    30 Year Conventional Purchase 6.55% 1/29/23
    30 Year Conventional Refi 6.35% 1/29/23
    30 Year Cash-out Refi 6.46% 1/29/23
    30 Year FHA Purchase 6.56% 1/29/23
    30 Year FHA Refi 6.56% 1/29/23
    30 Year VA Purchase 6.40% 1/29/23
    30 Year VA Refi 6.22% 1/29/23
    15 Year Conventional Purchase 5.70% 1/29/23
    15 Year Conventional Refi 5.71% 1/29/23
    15 Year Cash-out Refi 5.71% 1/29/23
    15 Year VA Refi 6.04% 1/29/23
    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.


    Originations

    1,617

    Origination Dollar Volume (All Markets)

    $847,785,000

    Relative Rate

    Calculated Risk Analytics's average 30 year fixed mortgage rate was 3.62%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.47%.

    Relative Fees (Closing Costs)

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

    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) 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.

    Their top states include:
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Hawaii (FHA|USDA|VA)
  • Similar Lenders

    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.

    DADE COUNTY FEDERAL CREDIT UNION
    Similarity Rank: 167
    Christian Community Credit Union
    Similarity Rank: 354
    First Credit Union
    Similarity Rank: 378
    Credence Funding Corporation
    Similarity Rank: 404
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 624
    POWER FINANCIAL
    Similarity Rank: 768
    MYPOINT Credit Union
    Similarity Rank: 924
    Chaffey Federal Credit Union
    Similarity Rank: 966
    HERITAGE COMMUNITY CREDIT UNION
    Similarity Rank: 1134

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,284 $709,400,000 $552,492 $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%
    HELOC 2 $930,000 $465,000 n/a 5.56%

    For 2021, Calculated Risk Analytics's most frequently originated type of loan was Conventional, with 1,284 originations. Their 2nd most popular type was FHA, with 277 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Calculated Risk Analytics's most frequently cited loan purpose was Home Purchase, with 661 originations. The 2nd most popular reason was 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 2021, Calculated Risk Analytics's most frequently cited loan duration was 30 Year, with 1,485 originations. The 2nd most popular length was 15 Year, with 57 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 598 $409,700,000 $685,117
    $1k-2k 488 $210,170,000 $430,676
    $2k-3k 129 $51,275,000 $397,481
    $4k-5k 82 $31,220,000 $380,732
    $3k-4k 80 $29,040,000 $363,000
    $<1k 62 $21,250,000 $342,742

    Calculated Risk Analytics's average total fees were $10,991, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.62%, while their most frequently originated rate bucket for loans was 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 or Islander 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
    81.03%

    Calculated Risk Analytics has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    49.85%

    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%