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FUNDLOANS CAPITAL
Independent Mortgage Company|ENCINITAS, CA|Multi-Region
Loans Originated
280
Applications
526
Volume
$284 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
+1.099%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$5,066
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
53.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Rates typically 110 basis points above market average
- Higher than average fees ($5,066)
- Pull through efficiency is below industry average
Report Card
FUNDLOANS CAPITAL performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 9 metro areas · 16 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$1,017,107
Average Borrower Income
$654,568
Average Property Value
$1,524,143
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | Mediocre | Acceptable | 166 | 59.3% | +1.180% | $5,768 |
Jumbo Loans | Sound | Strong | N/A | Sound | 114 | 40.7% | +0.894% | $3,271 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Acceptable | 164 | 58.6% | +1.120% | $4,517 |
Refinance | Acceptable | Sound | Mediocre | Acceptable | 116 | 41.4% | +1.069% | $5,867 |
Geographic Coverage
Metro Areas
8
States Served
16
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACOFLGAHIIDILMTNCNMNVORSCTXWA
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 42Mix: 15.00%
Place Specialization
Sound
2
San Diego, CAMSA
Volume: 29Mix: 10.36%
Place Specialization
Sound
3
Miami, FLMSA
Volume: 18Mix: 6.43%
Place Specialization
Sound
4
Las Vegas, NVMSA
Volume: 15Mix: 5.36%
Place Specialization
Sound
5
Anaheim, CAMSA
Volume: 13Mix: 4.64%
Place Specialization
Sound
6
Riverside, CAMSA
Volume: 15Mix: 5.36%
Place Specialization
Sound
7
Oxnard, CAMSA
Volume: 11Mix: 3.93%
Place Specialization
Sound
8
Oakland, CAMSA
Volume: 10Mix: 3.57%
Place Specialization
Sound
Top States by Place Specialization Score
1
CAState
Volume: 142Mix: 50.71%
Place Specialization
Strong
2
FLState
Volume: 46Mix: 16.43%
Place Specialization
Sound
3
NVState
Volume: 16Mix: 5.71%
Place Specialization
Sound
4
TXState
Volume: 21Mix: 7.50%
Place Specialization
Sound
5
AZState
Volume: 11Mix: 3.93%
Place Specialization
Sound
6
WAState
Volume: 10Mix: 3.57%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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