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 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 5/4/24 |
| 30 Year Conventional Purchase | 7.71% | 5/4/24 |
| 30 Year Conventional Refi | 6.64% | 5/4/24 |
| 30 Year Cash-out Refi | 7.50% | 5/4/24 |
| 30 Year FHA Purchase | 7.50% | 5/4/24 |
| 30 Year VA Purchase | 6.30% | 5/4/24 |
| 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
84Origination Dollar Volume (All Markets)
$48,060,000Awards
CALCULATED RISK ANALYTICS - 2022
CALCULATED RISK ANALYTICS is a 2022 , due to their low .
For 2022, 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) | 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% |
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.
Similarity Rank: 30
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 63 | $37,285,000 | $591,825 | $12,314 | 5.19% |
| FHA | 19 | $9,915,000 | $521,842 | $17,117 | 4.13% |
| VA | 2 | $860,000 | $430,000 | $17,983 | 4.19% |
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
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 Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 78 | $39,750,000 | $509,615 | $13,790 | 4.86% |
| 30+ year | 6 | $8,310,000 | $1,385,000 | $20,413 | 5.85% |
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 |
|---|---|---|---|
| $5k+ | 32 | $20,070,000 | $627,188 |
| $1k-2k | 24 | $11,380,000 | $474,167 |
| $2k-3k | 6 | $2,190,000 | $365,000 |
| $3k-4k | 3 | $1,375,000 | $458,333 |
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.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 32 | $16,350,000 | $510,938 |
| 5-6% | 21 | $14,595,000 | $695,000 |
| 3-4% | 19 | $9,695,000 | $510,263 |
| 6-7% | 6 | $3,510,000 | $585,000 |
| 7-8% | 6 | $3,910,000 | $651,667 |
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.
Loan Sizing
2022 saw Calculated Risk Analytics place emphasis on $400k-600k loans with 33 originations, totaling $16,425,000 in origination value.
Applicant Income
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.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.26%
Calculated Risk Analytics has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination40.48%
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 | 84 | $48,060,000 | $572,143 |