# FUNDLOANS CAPITAL

> **Canonical URL:** https://saferate.com/lenders/fundloans-capital


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FUNDLOANS CAPITAL is a independent mortgage company, headquartered in ENCINITAS, CA, serving borrowers across 16 states, with 280 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 95% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 65% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300A68YW07V5R5G22
- **Headquarters:** ENCINITAS, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 16
- **State List:** AZ, CA, CO, FL, GA, HI, ID, IL, MT, NC, NM, NV, OR, SC, TX, WA
- **Markets (MSAs):** 9
- **Primary Channel:** wholesale
- **Direct Origination:** 1.1%
- **Brokered/Wholesale:** 98.9%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 5/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +1.099%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,066
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 280
- **Dollar Volume:** $285 million
- **Applications Received:** 526
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $1,017,107
- **Average Borrower Income:** $654,568
- **Average Property Value:** $1,524,143

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 35/100 | 166 | +1.180% | $5,768 | Acceptable 🙂 |
| Jumbo | 77/100 | 114 | +0.894% | $3,271 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 104 loans, Score: 32/100 (Acceptable)
- Refinance: 62 loans, Score: 47/100 (Sound)

**Jumbo:**
- Purchase: 60 loans, Score: 74/100 (Strong)
- Refinance: 54 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 164 | $157M | +1.120% | Sound ☺️ |
| Refinance | 52/100 | 116 | $128M | +1.069% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 142 | 0.05% | 65/100 |
| FL | 46 | 0.02% | 52/100 |
| TX | 21 | 0.01% | 43/100 |
| NV | 16 | 0.04% | 48/100 |
| AZ | 11 | 0.01% | 41/100 |
| WA | 10 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 42 | 59/100 |
| San Diego | CA | 29 | 56/100 |
| Miami | FL | 18 | 50/100 |
| Las Vegas | NV | 15 | 47/100 |
| Riverside | CA | 15 | 46/100 |
| Anaheim | CA | 13 | 47/100 |
| Non |  | 12 | 24/100 |
| Oxnard | CA | 11 | 46/100 |
| Oakland | CA | 10 | 43/100 |

## Frequently Asked Questions

### What loan types does FUNDLOANS CAPITAL offer?

FUNDLOANS CAPITAL offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FUNDLOANS CAPITAL offer mortgages?

FUNDLOANS CAPITAL offers mortgages in 16 states: AZ, CA, CO, FL, GA, HI, ID, IL, MT, NC, NM, NV, OR, SC, TX, WA.

### How competitive are FUNDLOANS CAPITAL's mortgage rates?

FUNDLOANS CAPITAL has a pricing score of 5/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.099% above market average.

### What type of lender is FUNDLOANS CAPITAL?

FUNDLOANS CAPITAL is a non-depository lender that specializes in mortgage origination, headquartered in ENCINITAS, CA.

### What is FUNDLOANS CAPITAL's loan approval success rate?

FUNDLOANS CAPITAL has a pull-through score of 35/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/fundloans-capital

### How to Cite

> "FUNDLOANS CAPITAL Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fundloans-capital

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