Calculated Risk Analytics Mortgage Rates, Fees & Info
ALISO VIEJO, CALEI: 549300T7TLOJ8X6X8T43
Tax ID: 46-1055005
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Mortgage Data
Review & Overview
Calculated Risk Analytics is a smaller mortgage company specializing in Refi, 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 Diego, Sacramento, and San Francisco among others. We have data for 64 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 11/22/24 |
| 30 Year Conventional Purchase | 7.71% | 11/22/24 |
| 30 Year Conventional Refi | 6.64% | 11/22/24 |
| 30 Year Cash-out Refi | 7.50% | 11/22/24 |
| 30 Year FHA Purchase | 7.50% | 11/22/24 |
| 30 Year VA Purchase | 6.30% | 11/22/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,339Origination Dollar Volume (All Markets)
$964,155,000Awards
CALCULATED RISK ANALYTICS - 2020
CALCULATED RISK ANALYTICS is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 1,116 | $520,360,000 | $466,272 | $9,246 | 3.48% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 538 | $181,910,000 | $338,123 | $8,021 | 3.41% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 94 | $42,300,000 | $450,000 | $8,221 | 3.49% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 120 | $41,500,000 | $345,833 | $6,352 | 3.22% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 76 | $39,740,000 | $522,895 | $8,642 | 3.54% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 38 | $20,610,000 | $542,368 | $7,022 | 3.65% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 36 | $15,170,000 | $421,389 | $7,727 | 3.51% |
| VALLEJO, CA (FHA|USDA|VA) | 25 | $9,775,000 | $391,000 | $6,432 | 3.36% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 35 | $8,575,000 | $245,000 | $7,433 | 3.02% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 29 | $8,295,000 | $286,034 | $6,382 | 3.68% |
| STOCKTON, CA (FHA|USDA|VA) | 20 | $7,080,000 | $354,000 | $9,274 | 3.74% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 12 | $6,620,000 | $551,667 | $10,559 | 3.31% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 17 | $6,515,000 | $383,235 | $7,252 | 4.02% |
| MODESTO, CA (FHA|USDA|VA) | 13 | $3,825,000 | $294,231 | $6,616 | 4.17% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 16 | $3,410,000 | $213,125 | $7,446 | 3.62% |
| FRESNO, CA (FHA|USDA|VA) | 10 | $2,920,000 | $292,000 | $7,274 | 3.26% |
| SALINAS, CA (FHA|USDA|VA) | 7 | $2,855,000 | $407,857 | $7,326 | 3.23% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 9 | $2,385,000 | $265,000 | $7,429 | 2.72% |
| VISALIA, CA (FHA|USDA|VA) | 9 | $2,385,000 | $265,000 | $6,224 | 3.69% |
| Outside of Metro Areas | 7 | $2,245,000 | $320,714 | $6,570 | 3.27% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $2,205,000 | $315,000 | $7,766 | 3.44% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 4 | $2,190,000 | $547,500 | $5,492 | 4.63% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 7 | $2,185,000 | $312,143 | $7,314 | 3.11% |
| YUBA CITY, CA (FHA|USDA|VA) | 7 | $2,145,000 | $306,429 | $5,367 | 3.57% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 6 | $2,110,000 | $351,667 | $11,663 | 3.08% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $1,915,000 | $638,333 | $13,751 | 5.12% |
| MADERA, CA (FHA|USDA|VA) | 4 | $1,710,000 | $427,500 | $11,109 | 5.09% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $6,978 | 3.43% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $1,405,000 | $468,333 | $4,378 | 4.92% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $48,005 | 6.70% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $6,049 | 3.60% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $4,594 | 3.93% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $4,999 | 3.19% |
| CHICO, CA (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $9,217 | 4.13% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $6,311 | 5.96% |
| MERCED, CA (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $5,769 | 3.78% |
| EL CENTRO, CA (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $7,240 | 3.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $5,945 | 2.75% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $20,224 | 4.37% |
| NAPA, CA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,011 | 4.80% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,381 | 5.10% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $0 | 7.40% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $11,862 | 2.94% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $11,159 | 3.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,690 | 4.44% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $10,884 | 3.13% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $7,042 | 3.25% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,831 | 3.50% |
| Key West, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $10,525 | 2.88% |
| OCALA, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,846 | 3.06% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,536 | 2.50% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,389 | 3.38% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,727 | 2.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $13,999 | 3.00% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,096 | 2.75% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,204 | 2.75% |
| REDDING, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,039 | 3.13% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 5.80% |
| Sonora, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,878 | 3.13% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,187 | 3.50% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,530 | 2.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,498 | 3.50% |
| Lake City, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,764 | 3.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,341 | 2.75% |
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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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Product Mix
For 2020, Calculated Risk Analytics's most frequently originated type of loan was Conventional, with 1,766 originations. Their 2nd most popular type was FHA, with 425 originations.
Loan Reason
For 2020, Calculated Risk Analytics's most frequently cited loan purpose was Refi, with 918 originations. The 2nd most popular reason was Cash Out Refi, with 746 originations.
Loan Duration/Length
For 2020, Calculated Risk Analytics's most frequently cited loan duration was 30 Year, with 2,133 originations. The 2nd most popular length was 15 Year, with 107 originations.
Origination Fees/Closing Costs
Calculated Risk Analytics's average total fees were $8,685, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 768 originations.
Interest Rates
During 2020, Calculated Risk Analytics's average interest rate for loans was 3.50%, while their most frequently originated rate bucket for loans was 3-4%, with 962 originations.
Loan Sizing
2020 saw Calculated Risk Analytics place emphasis on $200k-400k loans with 1,101 originations, totaling $338,725,000 in origination value.
Applicant Income
Calculated Risk Analytics lent most frequently to those with incomes in the $100k-150k range, with 535 originations. The second most popular income band? $75k-100k, with 499 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.52%
Calculated Risk Analytics has an average approval rate.
Pick Rate
Approvals leading to origination31.38%
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 |
|---|---|---|---|
| NA | 2,339 | $964,155,000 | $412,208 |