Calculated Risk Analytics Mortgage Rates, Fees & Info

ALISO VIEJO, CA

LEI: 549300T7TLOJ8X6X8T43

Tax ID: 46-1055005

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Calculated Risk Analytics is a smaller mortgage company specializing in Cash Out Refi and Home Purchase 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 Francisco, San Diego, and San Jose among others. We have data for 56 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 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 3/24/24
30 Year Conventional Purchase 7.71% 3/24/24
30 Year Conventional Refi 6.64% 3/24/24
30 Year Cash-out Refi 7.50% 3/24/24
30 Year FHA Purchase 7.50% 3/24/24
30 Year VA Purchase 6.30% 3/24/24
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.

Calculated Risk Analytics Mortgage Calculator






Your Estimates

Estimated 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.


Originations

1,384

Origination Dollar Volume (All Markets)

$859,730,000

Awards

CALCULATED RISK ANALYTICS FHA Loans silver
Show all (1) awards

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) 759 $542,395,000 $714,618 $15,313 5.49%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 242 $87,280,000 $360,661 $10,261 5.70%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 83 $62,555,000 $753,675 $16,100 6.25%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 52 $37,360,000 $718,462 $16,649 5.97%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 33 $26,595,000 $805,909 $15,598 5.43%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 23 $15,675,000 $681,522 $22,532 6.54%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 25 $14,445,000 $577,800 $12,915 5.73%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 22 $11,390,000 $517,727 $11,351 5.36%
Outside of Metro Areas 9 $8,095,000 $899,444 $16,533 5.75%
STOCKTON, CA (FHA|USDA|VA) 10 $4,510,000 $451,000 $15,107 5.62%
VALLEJO, CA (FHA|USDA|VA) 16 $4,210,000 $263,125 $6,277 5.60%
BAKERSFIELD, CA (FHA|USDA|VA) 17 $3,855,000 $226,765 $8,109 5.44%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $3,020,000 $755,000 $20,495 5.63%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 5 $2,995,000 $599,000 $11,851 5.27%
SALINAS, CA (FHA|USDA|VA) 3 $2,455,000 $818,333 $9,594 5.84%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 4 $2,450,000 $612,500 $10,770 6.26%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $2,330,000 $1,165,000 $0 5.73%
URBAN HONOLULU, HI (FHA|USDA|VA) 4 $2,080,000 $520,000 $10,058 4.54%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $1,925,000 $641,667 $14,844 6.20%
FRESNO, CA (FHA|USDA|VA) 6 $1,910,000 $318,333 $7,422 6.03%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4 $1,680,000 $420,000 $4,454 4.34%
Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $1,555,000 $518,333 $12,604 5.55%
NAPA, CA (FHA|USDA|VA) 2 $1,450,000 $725,000 $6,671 5.91%
BEND, OR (FHA|USDA|VA) 2 $1,250,000 $625,000 $16,764 6.11%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $1,170,000 $585,000 $8,915 5.93%
MERCED, CA (FHA|USDA|VA) 4 $1,090,000 $272,500 $10,175 6.34%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $1,065,000 $1,065,000 $24,950 6.40%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $970,000 $242,500 $9,013 5.40%
Glenwood Springs, CO (FHA|USDA|VA) 1 $915,000 $915,000 $17,399 7.50%
VISALIA, CA (FHA|USDA|VA) 3 $915,000 $305,000 $7,113 5.21%
MODESTO, CA (FHA|USDA|VA) 3 $715,000 $238,333 $8,947 6.38%
GREELEY, CO (FHA|USDA|VA) 2 $660,000 $330,000 $7,422 7.10%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $610,000 $305,000 $11,056 7.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $600,000 $300,000 $8,212 7.46%
CHICO, CA (FHA|USDA|VA) 2 $580,000 $290,000 $7,425 3.38%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $535,000 $535,000 $4,287 5.63%
AMARILLO, TX (FHA|USDA|VA) 1 $535,000 $535,000 $28,499 7.39%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $490,000 $245,000 $7,067 5.96%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $485,000 $485,000 $21,244 7.05%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $465,000 $465,000 $14,495 5.65%
YUBA CITY, CA (FHA|USDA|VA) 2 $460,000 $230,000 $7,744 4.31%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $400,000 $200,000 $4,358 4.31%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $380,000 $190,000 $7,938 6.23%
Clearlake, CA (FHA|USDA|VA) 1 $365,000 $365,000 $11,172 5.38%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $365,000 $365,000 $15,060 5.75%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $325,000 $325,000 $0 5.80%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $315,000 $315,000 $12,290 5.99%
REDDING, CA (FHA|USDA|VA) 1 $315,000 $315,000 $14,078 5.88%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $295,000 $295,000 $0 6.85%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $295,000 $295,000 $7,695 6.50%
YAKIMA, WA (FHA|USDA|VA) 1 $215,000 $215,000 $0 7.20%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $185,000 $185,000 $10,033 6.55%
SALEM, OR (FHA|USDA|VA) 1 $145,000 $145,000 $6,663 6.85%
EL CENTRO, CA (FHA|USDA|VA) 1 $145,000 $145,000 $6,703 6.45%
Crescent City, CA (FHA|USDA|VA) 1 $135,000 $135,000 $6,092 8.00%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.95%
Calculated Risk Analytics's top markets include Los Angeles, Riverside, San Francisco, San Diego, and San Jose among others.

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,244 $799,220,000 $642,460 $14,410 5.82%
    FHA 126 $53,420,000 $423,968 $12,241 4.02%
    VA 14 $7,090,000 $506,429 $9,108 3.73%

    For 2019, Calculated Risk Analytics's most frequently originated type of loan was Conventional, with 1,244 originations. Their 2nd most popular type was FHA, with 126 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 570 $349,730,000 $613,561 $13,425 5.83%
    Home Purchase 549 $344,615,000 $627,714 $15,288 5.67%
    Refi 265 $165,385,000 $624,094 $12,865 5.14%

    For 2019, Calculated Risk Analytics's most frequently cited loan purpose was Cash Out Refi, with 570 originations. The 2nd most popular reason was Home Purchase, with 549 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,302 $785,950,000 $603,648 $13,837 5.62%
    30+ year 69 $69,965,000 $1,013,986 $19,123 6.14%
    15 Year 10 $2,920,000 $292,000 $8,056 4.79%
    20 Year 3 $895,000 $298,333 $7,689 3.71%

    For 2019, Calculated Risk Analytics's most frequently cited loan duration was 30 Year, with 1,302 originations. The 2nd most popular length was 30+ year, with 69 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 743 $540,625,000 $727,624
    $1k-2k 215 $126,245,000 $587,186
    $<1k 60 $21,780,000 $363,000
    $4k-5k 47 $15,395,000 $327,553
    $3k-4k 38 $16,230,000 $427,105
    $2k-3k 28 $11,540,000 $412,143

    Calculated Risk Analytics's average total fees were $13,837, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 743 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 426 $271,660,000 $637,700
    6-7% 324 $225,260,000 $695,247
    4-5% 306 $190,350,000 $622,059
    3-4% 155 $65,205,000 $420,677
    7-8% 142 $88,800,000 $625,352
    Over 8% 30 $18,120,000 $604,000
    2.5-3% 1 $335,000 $335,000

    During 2019, Calculated Risk Analytics's average interest rate for loans was 5.62%, while their most frequently originated rate bucket for loans was 5-6%, with 426 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 445 $134,715,000 $302,730 $9,571 5.47%
    $400k-600k 358 $174,800,000 $488,268 $12,038 5.51%
    $600k-1MM 277 $211,955,000 $765,181 $16,216 5.83%
    $1MM+ 200 $321,570,000 $1,607,850 $26,832 5.88%
    $100k-200k 100 $16,330,000 $163,300 $6,594 5.79%
    $100,000 or less 4 $360,000 $90,000 $5,091 6.29%

    2019 saw Calculated Risk Analytics place emphasis on $200k-400k loans with 445 originations, totaling $134,715,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 401 $412,955,000 $1,029,813 $20,120 5.92%
    $100k-150k 236 $104,650,000 $443,432 $11,556 5.34%
    $150k-250k 206 $128,180,000 $622,233 $13,989 5.62%
    $75k-100k 144 $51,310,000 $356,319 $10,019 5.06%
    $50k-75k 127 $34,195,000 $269,252 $8,934 5.09%
    $50k or less 32 $6,000,000 $187,500 $6,570 5.00%

    Calculated Risk Analytics lent most frequently to those with incomes in the $250k+ range, with 401 originations. The second most popular income band? $100k-150k, with 236 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 805 $506,155,000 $628,764 $14,302 5.64%
    Not provided 330 $198,400,000 $601,212 $14,067 5.58%
    Asian 182 $116,250,000 $638,736 $12,801 5.62%
    Black 55 $33,745,000 $613,545 $16,837 6.08%
    American Indian 11 $4,815,000 $437,727 $9,145 4.90%
    Native Hawaiian or Islander 1 $365,000 $365,000 $13,625 5.25%

    Approval Rates

    Total approvals of all applications
    91.85%

    Calculated Risk Analytics has an average approval rate.

    Pick Rate

    Approvals leading to origination
    47.83%

    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
    0.0 4 $2,070,000 $517,500
    10464.7 1 $535,000 $535,000
    1135.24 1 $1,485,000 $1,485,000
    1195.0 90 $40,560,000 $450,667
    1205.0 1 $235,000 $235,000
    1209.0 1 $255,000 $255,000
    1209.45 1 $565,000 $565,000
    1210.0 1 $265,000 $265,000
    1210.59 1 $185,000 $185,000
    1220.0 2 $1,190,000 $595,000
    12288.75 1 $415,000 $415,000
    1255.0 1 $415,000 $415,000
    1257.5 1 $1,145,000 $1,145,000
    1270.0 1 $495,000 $495,000
    1270.5 2 $490,000 $245,000
    1320.0 1 $505,000 $505,000
    1337.0 1 $265,000 $265,000
    1345.0 1 $275,000 $275,000
    13639.88 1 $375,000 $375,000
    1370.0 2 $750,000 $375,000
    1410.0 1 $255,000 $255,000
    1420.0 1 $945,000 $945,000
    14466.5 1 $505,000 $505,000
    1450.0 1 $1,005,000 $1,005,000
    1579.0 1 $165,000 $165,000
    1585.0 1 $905,000 $905,000
    1586.95 1 $265,000 $265,000
    16360.0 1 $1,265,000 $1,265,000
    1695.0 1 $585,000 $585,000
    17185.0 1 $715,000 $715,000
    1770.0 1 $515,000 $515,000
    1784.45 4 $1,490,000 $372,500
    1790.0 2 $810,000 $405,000
    1795.0 1 $1,335,000 $1,335,000
    1840.0 1 $175,000 $175,000
    1860.0 1 $275,000 $275,000
    1863.0 1 $145,000 $145,000
    1865.0 1 $1,115,000 $1,115,000
    1890.0 1 $75,000 $75,000
    1895.0 1 $435,000 $435,000
    1909.45 1 $315,000 $315,000
    1934.0 1 $665,000 $665,000
    1965.0 1 $455,000 $455,000
    1981.5 1 $225,000 $225,000
    1995.0 1 $225,000 $225,000
    2082.0 1 $515,000 $515,000
    2090.0 1 $1,935,000 $1,935,000
    2158.0 1 $855,000 $855,000
    2184.0 1 $525,000 $525,000
    2185.0 1 $285,000 $285,000
    2190.0 2 $830,000 $415,000
    22020.04 1 $1,015,000 $1,015,000
    2207.0 1 $165,000 $165,000
    2215.0 1 $545,000 $545,000
    2215.5 1 $875,000 $875,000
    2245.0 1 $495,000 $495,000
    2254.45 1 $755,000 $755,000
    2256.65 1 $1,265,000 $1,265,000
    2259.0 1 $255,000 $255,000
    2259.16 1 $655,000 $655,000
    2290.0 1 $95,000 $95,000
    2340.0 1 $565,000 $565,000
    2344.45 1 $605,000 $605,000
    2355.0 1 $445,000 $445,000
    2378.05 1 $575,000 $575,000
    2396.5 1 $365,000 $365,000
    2420.0 1 $815,000 $815,000
    2428.0 1 $195,000 $195,000
    2445.0 1 $1,325,000 $1,325,000
    2465.0 1 $445,000 $445,000
    2486.28 1 $375,000 $375,000
    2511.45 1 $375,000 $375,000
    2514.0 2 $990,000 $495,000
    2528.0 1 $135,000 $135,000
    2540.0 1 $375,000 $375,000
    2560.0 1 $425,000 $425,000
    2599.0 1 $565,000 $565,000
    2642.9 1 $365,000 $365,000
    2710.45 1 $205,000 $205,000
    2714.5 1 $645,000 $645,000
    2750.0 1 $1,105,000 $1,105,000
    2758.0 1 $295,000 $295,000
    2762.95 1 $705,000 $705,000
    2790.0 1 $845,000 $845,000
    2909.95 1 $385,000 $385,000
    2910.0 1 $115,000 $115,000
    2920.0 1 $105,000 $105,000
    3058.96 1 $545,000 $545,000
    3062.0 1 $615,000 $615,000
    3070.37 1 $155,000 $155,000
    3102.69 1 $715,000 $715,000
    3132.98 1 $305,000 $305,000
    3145.5 1 $245,000 $245,000
    3246.65 1 $315,000 $315,000
    3252.5 1 $95,000 $95,000
    3255.0 1 $1,405,000 $1,405,000
    3355.16 1 $195,000 $195,000
    3362.39 1 $355,000 $355,000
    3364.74 1 $175,000 $175,000
    3410.0 1 $105,000 $105,000
    3470.5 1 $185,000 $185,000
    3522.5 1 $115,000 $115,000
    3551.83 1 $215,000 $215,000
    3595.5 1 $255,000 $255,000
    3615.0 1 $205,000 $205,000
    3734.45 1 $525,000 $525,000
    3915.0 1 $405,000 $405,000
    3921.34 1 $235,000 $235,000
    3971.56 1 $435,000 $435,000
    3994.78 1 $565,000 $565,000
    4003.0 1 $355,000 $355,000
    4076.38 1 $255,000 $255,000
    4092.5 1 $155,000 $155,000
    4107.28 1 $2,275,000 $2,275,000
    4225.0 1 $475,000 $475,000
    4323.0 1 $1,665,000 $1,665,000
    4330.0 1 $405,000 $405,000
    4539.5 1 $295,000 $295,000
    4561.5 1 $295,000 $295,000
    4706.65 1 $325,000 $325,000
    4738.47 1 $425,000 $425,000
    4885.44 1 $305,000 $305,000
    4915.67 1 $1,005,000 $1,005,000
    4950.0 1 $315,000 $315,000
    5042.5 1 $735,000 $735,000
    5054.45 1 $405,000 $405,000
    5264.62 1 $245,000 $245,000
    5393.42 1 $445,000 $445,000
    5760.0 1 $395,000 $395,000
    5774.25 1 $705,000 $705,000
    5802.16 1 $805,000 $805,000
    5814.18 1 $1,775,000 $1,775,000
    5899.49 1 $515,000 $515,000
    5934.0 1 $825,000 $825,000
    6122.18 1 $325,000 $325,000
    6313.95 1 $765,000 $765,000
    6340.0 1 $455,000 $455,000
    6992.0 1 $745,000 $745,000
    7075.0 1 $255,000 $255,000
    7095.0 1 $255,000 $255,000
    7195.0 1 $405,000 $405,000
    7455.0 1 $565,000 $565,000
    8153.47 1 $1,125,000 $1,125,000
    8769.5 1 $395,000 $395,000
    9332.94 1 $3,625,000 $3,625,000
    9676.8 1 $305,000 $305,000
    9760.0 1 $575,000 $575,000
    NA 1,136 $734,420,000 $646,496

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $565,000 $565,000
    Single Family (1-4 Units):Manufactured 1 $285,000 $285,000
    Single Family (1-4 Units):Site-Built 1,382 $858,880,000 $621,476