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OAKTREE FUNDING CORP.
Independent Mortgage Company|Chandler, AZ|Near-National
Loans Originated
461
Applications
1,197
Volume
$321 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
+1.214%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$6,152
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
38.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Rates typically 121 basis points above market average
- Higher than average fees ($6,152)
- Pull through efficiency is below industry average
Report Card
OAKTREE FUNDING CORP. 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 | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 12 metro areas · 32 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$697,928
Average Borrower Income
$536,566
Average Property Value
$997,195
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Mediocre | Sound | Mediocre | Mediocre | 335 | 72.7% | +1.292% | $6,443 |
Jumbo Loans | Sound | Strong | N/A | Sound | 119 | 25.8% | +0.820% | $4,123 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Mediocre | Sound | Mediocre | Mediocre | 279 | 60.5% | +1.216% | $6,133 |
Refinance | Acceptable | Sound | Mediocre | Acceptable | 182 | 39.5% | +1.210% | $6,187 |
Geographic Coverage
Metro Areas
11
States Served
32
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOFLGAHIIAIDILINMAMDMEMIMNMTNCNJNMNVOHORPARISCTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 38Mix: 8.24%
Place Specialization
Sound
2
Riverside, CAMSA
Volume: 27Mix: 5.86%
Place Specialization
Sound
3
West Palm Beach, FLMSA
Volume: 16Mix: 3.47%
Place Specialization
Sound
4
Phoenix, AZMSA
Volume: 23Mix: 4.99%
Place Specialization
Sound
5
Miami, FLMSA
Volume: 14Mix: 3.04%
Place Specialization
Sound
6
Chicago, ILMSA
Volume: 16Mix: 3.47%
Place Specialization
Sound
7
Houston, TXMSA
Volume: 17Mix: 3.69%
Place Specialization
Sound
8
Anaheim, CAMSA
Volume: 11Mix: 2.39%
Place Specialization
Sound
9
Atlanta, GAMSA
Volume: 12Mix: 2.60%
Place Specialization
Sound
10
San Diego, CAMSA
Volume: 10Mix: 2.17%
Place Specialization
Sound
Showing 10 of 11 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 127Mix: 27.55%
Place Specialization
Strong
2
FLState
Volume: 79Mix: 17.14%
Place Specialization
Sound
3
AZState
Volume: 31Mix: 6.72%
Place Specialization
Sound
4
TXState
Volume: 47Mix: 10.20%
Place Specialization
Sound
5
HIState
Volume: 13Mix: 2.82%
Place Specialization
Sound
6
ILState
Volume: 18Mix: 3.90%
Place Specialization
Sound
7
WAState
Volume: 15Mix: 3.25%
Place Specialization
Sound
8
NJState
Volume: 15Mix: 3.25%
Place Specialization
Sound
9
PAState
Volume: 15Mix: 3.25%
Place Specialization
Sound
10
GAState
Volume: 13Mix: 2.82%
Place Specialization
Sound
Showing 10 of 11 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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