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NETWORK CAPITAL FUNDING CORPORATION
Independent Mortgage Company|Carson City, NV|Near-National
Loans Originated
940
Applications
11,202
Volume
$331 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Mediocre
Pricing and Pullthrough Overview
Average Rate Spread
+0.294%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,128
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
8.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,128)
- Pull through efficiency is below industry average
Report Card
NETWORK CAPITAL FUNDING CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Mediocre | Below peers | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 26 metro areas · 31 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$352,160
Average Borrower Income
$130,407
Average Property Value
$578,819
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Acceptable | Mediocre | 549 | 58.4% | +0.442% | $3,797 |
FHA Loans | Sound | Strong | Acceptable | Acceptable | 226 | 24.0% | +0.543% | $5,662 |
VA Loans | Sound | Strong | Sound | Acceptable | 162 | 17.2% | -0.350% | $3,538 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | Acceptable | Mediocre | 57 | 6.1% | +0.447% | $3,913 |
Refinance | Sound | Strong | Acceptable | Acceptable | 883 | 93.9% | +0.277% | $4,151 |
Geographic Coverage
Metro Areas
25
States Served
31
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACODCFLGAIAIDILINLAMDMEMIMNNCNJNVNYOHOKORPASCTNTXVAWAWI
Top Metro Areas by Place Specialization Score
1
Riverside, CAMSA
Volume: 61Mix: 6.49%
Place Specialization
Sound
2
Los Angeles, CAMSA
Volume: 40Mix: 4.26%
Place Specialization
Sound
3
Lakewood, NJMSA
Volume: 27Mix: 2.87%
Place Specialization
Sound
4
Arlington, VA-WVMSA
Volume: 28Mix: 2.98%
Place Specialization
Sound
5
Anaheim, CAMSA
Volume: 21Mix: 2.23%
Place Specialization
Sound
6
Charlotte, NC-SCMSA
Volume: 24Mix: 2.55%
Place Specialization
Sound
7
Miami, FLMSA
Volume: 20Mix: 2.13%
Place Specialization
Sound
8
Phoenix, AZMSA
Volume: 24Mix: 2.55%
Place Specialization
Sound
9
Newark, NJ, NJMSA
Volume: 17Mix: 1.81%
Place Specialization
Sound
10
Oakland, CAMSA
Volume: 15Mix: 1.60%
Place Specialization
Sound
Showing 10 of 25 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 216Mix: 22.98%
Place Specialization
Strong
2
NJState
Volume: 78Mix: 8.30%
Place Specialization
Strong
3
FLState
Volume: 141Mix: 15.00%
Place Specialization
Strong
4
TXState
Volume: 105Mix: 11.17%
Place Specialization
Sound
5
NCState
Volume: 78Mix: 8.30%
Place Specialization
Sound
6
VAState
Volume: 56Mix: 5.96%
Place Specialization
Sound
7
AZState
Volume: 47Mix: 5.00%
Place Specialization
Sound
8
WAState
Volume: 26Mix: 2.77%
Place Specialization
Sound
9
MDState
Volume: 20Mix: 2.13%
Place Specialization
Sound
10
PAState
Volume: 18Mix: 1.91%
Place Specialization
Sound
Showing 10 of 17 states
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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