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Campos Financial

Independent Mortgage Company•Los Angeles, CAHQ•Direct•Reviews near you on Google

Campos Financial has 191 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Strong
4/5
Single State · 3 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Pricing may be below industry average
  • Higher than average fees ($4,289)

Explore another lender or local market

Report Card

Campos Financial performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+41.9 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
FHA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Strong
Volume71
Mix37.2%
Spread
+0.480%Above
Fees
$4,756Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Acceptable
Pull Through
Exceptional
Volume113
Mix59.2%
Spread
+0.407%Above
Fees
$4,158Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume148
Mix77.5%
Spread
+0.440%Above
Fees
$4,210Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume43
Mix22.5%
Spread
+0.332%Above
Fees
$4,619Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
191
Applications
200
Volume
$100 million
Pricing & Closing
Avg Rate Spread
+0.419%
vs. market APOR
Avg Net Fees
$4,289
Origination − Credits
Pullthrough Rate
95.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$528,298
Avg Borrower Income
$159,037
Avg Property Value
$671,806

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West1
CA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 138Mix 72.25% of portfolio
76/100
Strong
2© Bobak Ha'Eri · CC BY 3.0
Bakersfield, CAMetro
Volume 30Mix 15.71% of portfolio
61/100
Strong
3© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 14Mix 7.33% of portfolio
46/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 191Mix 100.00% of portfolio
69/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.