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NCF

Network Capital Funding Corporation

Independent Mortgage CompanyCarson City, NVHQDirectReviews near you on Google

We analyzed every closed loan from Network Capital Funding Corporation 940 loans across 11k applications— and benchmarked them against peer lenders 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
Mediocre
1/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Near-National · 25 mkts

Safe Rate 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

Explore another lender or local market

Report Card

Network Capital Funding Corporation performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+29.4 bps above market avg
Pull Through
Closing strength
Mediocre
Bottom 20% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 26 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Mediocre
Volume549
Mix58.4%
Spread
+0.442%Above
Fees
$3,797Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Acceptable
Volume226
Mix24.0%
Spread
+0.543%Above
Fees
$5,662Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Acceptable
Volume162
Mix17.2%
Spread
-0.350%Below
Fees
$3,538Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Mediocre
Product
Acceptable
Pricing
Acceptable
Pull Through
Mediocre
Volume57
Mix6.1%
Spread
+0.447%Above
Fees
$3,913Fees
Refinance
Overall
Acceptable
Product
Strong
Pricing
Acceptable
Pull Through
Acceptable
Volume883
Mix93.9%
Spread
+0.277%Above
Fees
$4,151Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
940
Applications
11,202
Volume
$331 million
Pricing & Closing
Avg Rate Spread
+0.294%
vs. market APOR
Avg Net Fees
$4,128
Origination − Credits
Pullthrough Rate
8.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$352,160
Avg Borrower Income
$130,407
Avg Property Value
$578,819

Geographic Coverage

Geographic Performance

Metro Areas
25
markets with activity
States Served
31
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

31
31 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast4
MENJNYPA
Midwest7
IAILINMIMNOHWI
South13
ALARDCFLGALAMDNCOKSCTNTXVA
West7
AZCACOIDNVORWA

Top Metro Areas by Place Specialization Score

Volume 61Mix 6.49% of portfolio
60/100
Sound
2© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 40Mix 4.26% of portfolio
55/100
Sound
Volume 27Mix 2.87% of portfolio
52/100
Sound
4© Billy Hathorn · CC BY-SA 3.0
Arlington, VA-WVMetro
Volume 28Mix 2.98% of portfolio
51/100
Sound
Volume 21Mix 2.23% of portfolio
50/100
Sound
6© chucka_nc · CC BY-SA 2.0
Charlotte, NC-SCMetro
Volume 24Mix 2.55% of portfolio
49/100
Sound
Volume 20Mix 2.13% of portfolio
48/100
Sound
8© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 24Mix 2.55% of portfolio
47/100
Sound
Volume 17Mix 1.81% of portfolio
47/100
Sound
Volume 15Mix 1.60% of portfolio
45/100
Sound
Showing 10 of 25 metro areas

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 216Mix 22.98% of portfolio
65/100
Strong
New Jersey
New Jersey
2
New JerseyState
Volume 78Mix 8.30% of portfolio
62/100
Strong
Florida
Florida
3
FloridaState
Volume 141Mix 15.00% of portfolio
61/100
Strong
Texas
Texas
4
TexasState
Volume 105Mix 11.17% of portfolio
58/100
Sound
North Carolina
North Carolina
5
North CarolinaState
Volume 78Mix 8.30% of portfolio
57/100
Sound
Virginia
Virginia
6
VirginiaState
Volume 56Mix 5.96% of portfolio
57/100
Sound
Arizona
Arizona
7
ArizonaState
Volume 47Mix 5.00% of portfolio
54/100
Sound
Washington
Washington
8
WashingtonState
Volume 26Mix 2.77% of portfolio
49/100
Sound
Maryland
Maryland
9
MarylandState
Volume 20Mix 2.13% of portfolio
45/100
Sound
Pennsylvania
Pennsylvania
10
PennsylvaniaState
Volume 18Mix 1.91% of portfolio
42/100
Sound
Showing 10 of 17 states

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.