Del Sur Corporation Mortgage Rates, Fees & Info
SAN FERNANDO, CALEI: 549300UEGARCJHF59B44
Tax ID: 95-4441070
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Mortgage Data
Review & Overview
Del Sur Corporation is a smaller mortgage company specializing in Refi, Home Purchase, and Cash Out Refi loans. Del Sur Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Santa Maria, Riverside, Bakersfield, and San Luis Obispo among others. We have data for 14 markets. (Some data included below & more in-depth data is available with an active subscription.)Del Sur Corporation 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. Del Sur Corporation is typically an average 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 |
|---|---|---|
| 30 Year Conventional Purchase | 6.81% | 4/28/24 |
| 30 Year Conventional Refi | 6.64% | 4/28/24 |
| 30 Year Cash-out Refi | 6.32% | 4/28/24 |
| 30 Year FHA Purchase | 7.40% | 4/28/24 |
| 30 Year VA Purchase | 6.47% | 4/28/24 |
| 15 Year Conventional Refi | 6.16% | 4/28/24 |
| 15 Year Cash-out Refi | 6.16% | 4/28/24 |
| 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. | ||
Del Sur Corporation Mortgage Calculator
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Originations
257Origination Dollar Volume (All Markets)
$96,985,000Top 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) | 140 | $54,090,000 | $386,357 | $5,079 | 2.94% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 76 | $29,530,000 | $388,553 | $8,998 | 3.07% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 15 | $4,395,000 | $293,000 | $6,493 | 2.98% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 10 | $2,560,000 | $256,000 | $7,996 | 3.15% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $6,809 | 2.56% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $11,065 | 2.75% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $1,120,000 | $560,000 | $9,979 | 3.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $5,379 | 3.00% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,414 | 3.25% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $16,321 | 2.50% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,336 | 3.13% |
| MERCED, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,453 | 2.75% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,779 | 3.63% |
| Outside of Metro Areas | 1 | $145,000 | $145,000 | $4,099 | 2.75% |
Their top states include:
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 221 | $81,445,000 | $368,529 | $5,391 | 2.98% |
| FHA | 35 | $15,435,000 | $441,000 | $13,987 | 2.89% |
| HELOC | 1 | $105,000 | $105,000 | n/a | 6.49% |
For 2021, Del Sur Corporation's most frequently originated type of loan was Conventional, with 221 originations. Their 2nd most popular type was FHA, with 35 originations.
Loan Reason
For 2021, Del Sur Corporation's most frequently cited loan purpose was Refi, with 104 originations. The 2nd most popular reason was Home Purchase, with 78 originations.
Loan Duration/Length
For 2021, Del Sur Corporation's most frequently cited loan duration was 30 Year, with 229 originations. The 2nd most popular length was 15 Year, with 21 originations.
Origination Fees/Closing Costs
Del Sur Corporation's average total fees were $6,809, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 71 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 131 | $47,345,000 | $361,412 |
| 3-4% | 89 | $35,885,000 | $403,202 |
| <2.5% | 34 | $12,710,000 | $373,824 |
| 4-5% | 2 | $940,000 | $470,000 |
| 6-7% | 1 | $105,000 | $105,000 |
During 2021, Del Sur Corporation's average interest rate for loans was 3.03%, while their most frequently originated rate bucket for loans was 2.5-3%, with 131 originations.
Loan Sizing
2021 saw Del Sur Corporation place emphasis on $200k-400k loans with 112 originations, totaling $33,760,000 in origination value.
Applicant Income
Del Sur Corporation lent most frequently to those with incomes in the $75k-100k range, with 76 originations. The second most popular income band? $50k-75k, with 63 originations.
Applicant Debt to Income Ratio
Del Sur Corporation lent most frequently to those with DTI ratios of 30-36%, with 38 originations. The next most common DTI ratio? 20-30%, with 33 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.75%
Del Sur Corporation has an average approval rate.
Pick Rate
Approvals leading to origination83.66%
Del Sur Corporation has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 257 | $96,985,000 | $377,374 |