Get & compare mortgage quotes anonymously Start in My Home
FC
Unclaimed

Fundloans Capital

Independent Mortgage Company•Encinitas, CAHQ•Wholesale•Reviews near you on Google

Fundloans Capital has 280 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
Mediocre
1/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 8 mkts

Safe Rate 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

Explore another lender or local market

Report Card

Fundloans Capital performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+109.9 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
Jumbo
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
Multi-Regional · 9 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Mediocre
Product
Acceptable
Pricing
Mediocre
Pull Through
Acceptable
Volume166
Mix59.3%
Spread
+1.180%Above
Fees
$5,768Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Sound
Volume114
Mix40.7%
Spread
+0.894%Above
Fees
$3,271Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Acceptable
Volume164
Mix58.6%
Spread
+1.120%Above
Fees
$4,517Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Acceptable
Volume116
Mix41.4%
Spread
+1.069%Above
Fees
$5,867Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
280
Applications
526
Volume
$284 million
Pricing & Closing
Avg Rate Spread
+1.099%
vs. market APOR
Avg Net Fees
$5,066
Origination − Credits
Pullthrough Rate
53.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$1,017,107
Avg Borrower Income
$654,568
Avg Property Value
$1,524,143

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

16
16 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest1
IL
South5
FLGANCSCTX
West10
AZCACOHIIDMTNMNVORWA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 42Mix 15.00% of portfolio
59/100
Sound
2© Bernard Gagnon · CC BY-SA 3.0
San Diego, CAMetro
Volume 29Mix 10.36% of portfolio
56/100
Sound
3© Venusetdilecti · CC BY-SA 4.0
Miami, FLMetro
Volume 18Mix 6.43% of portfolio
50/100
Sound
4© Roman Eugeniusz · CC BY-SA 3.0
Las Vegas, NVMetro
Volume 15Mix 5.36% of portfolio
47/100
Sound
5© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 13Mix 4.64% of portfolio
47/100
Sound
6© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 15Mix 5.36% of portfolio
46/100
Sound
7© Unknown · CC BY-SA 3.0
Oxnard, CAMetro
Volume 11Mix 3.93% of portfolio
46/100
Sound
8© Basil D Soufi · CC BY-SA 3.0
Oakland, CAMetro
Volume 10Mix 3.57% of portfolio
43/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 142Mix 50.71% of portfolio
65/100
Strong
Florida
Florida
2
FloridaState
Volume 46Mix 16.43% of portfolio
52/100
Sound
Nevada
Nevada
3
NevadaState
Volume 16Mix 5.71% of portfolio
48/100
Sound
Texas
Texas
4
TexasState
Volume 21Mix 7.50% of portfolio
43/100
Sound
Arizona
Arizona
5
ArizonaState
Volume 11Mix 3.93% of portfolio
41/100
Sound
Washington
Washington
6
WashingtonState
Volume 10Mix 3.57% of portfolio
41/100
Sound

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.

Looking for a different lender?

Are you the owner of Fundloans Capital?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.