What loan types does OAKTREE FUNDING CORP. offer?

OAKTREE FUNDING CORP. offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does OAKTREE FUNDING CORP. offer mortgages?

OAKTREE FUNDING CORP. offers mortgages in 32 states: AL, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, MA, MD, ME, MI, MN, MT, NC, NJ, NM, NV, OH, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI.

How competitive are OAKTREE FUNDING CORP.'s mortgage rates?

OAKTREE FUNDING CORP. has an overall pricing score of 4.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is OAKTREE FUNDING CORP.?

OAKTREE FUNDING CORP. is a Independent Mortgage Company headquartered in Chandler, AZ.

Unclaimed

Oaktree Funding Corp.

Independent Mortgage Company•Chandler, AZ•Direct to Consumer

We analyzed every closed loan from Oaktree Funding — 461 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Acceptable

closing strength

Products

Strong

Conventional · Jumbo

Place

Sound

Near-National · 11 mkts

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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

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Report Card

Oaktree Funding Corp. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +121.4 bps above market avg
Pull Through Closing strength	Acceptable	Near industry average Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Sound	Industry Standard Top 60% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National12 markets

Loan Product Performance

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%Above	$6,443Fees
Jumbo Loans	Sound	Strong	—	Sound	119	25.8%	+0.820%Above	$4,123Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Sound	Mediocre	Mediocre	279	60.5%	+1.216%Above	$6,133Fees
Refinance	Acceptable	Sound	Mediocre	Acceptable	182	39.5%	+1.210%Above	$6,187Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

461

Applications

1,197

Volume

$321 million

Pricing & Closing

Avg Rate Spread

+1.214%

vs. market APOR

Avg Net Fees

$6,152

Origination − Credits

Pullthrough Rate

38.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$697,928

Avg Borrower Income

$536,566

Avg Property Value

$997,195

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALAZCACOFLGAHIIAIDILINMAMDMEMIMNMTNCNJNMNVOHORPARISCTNTXUTVAWAWI

Top Metro Areas by Place Specialization Score

Los Angeles, CAMSA

Volume: 38Mix: 8.24%of portfolio

Place

Sound

Riverside, CAMSA

Volume: 27Mix: 5.86%of portfolio

Place

Sound

West Palm Beach, FLMSA

Volume: 16Mix: 3.47%of portfolio

Place

Sound

Phoenix, AZMSA

Volume: 23Mix: 4.99%of portfolio

Place

Sound

Miami, FLMSA

Volume: 14Mix: 3.04%of portfolio

Place

Sound

Chicago, ILMSA

Volume: 16Mix: 3.47%of portfolio

Place

Sound

Houston, TXMSA

Volume: 17Mix: 3.69%of portfolio

Place

Sound

Anaheim, CAMSA

Volume: 11Mix: 2.39%of portfolio

Place

Sound

Atlanta, GAMSA

Volume: 12Mix: 2.60%of portfolio

Place

Sound

San Diego, CAMSA

Volume: 10Mix: 2.17%of portfolio

Place

Sound

Showing 10 of 11 metro areas

Top States by Place Specialization Score

CAState

Volume: 127Mix: 27.55%of portfolio

Place

Strong

FLState

Volume: 79Mix: 17.14%of portfolio

Place

Sound

AZState

Volume: 31Mix: 6.72%of portfolio

Place

Sound

TXState

Volume: 47Mix: 10.20%of portfolio

Place

Sound

HIState

Volume: 13Mix: 2.82%of portfolio

Place

Sound

ILState

Volume: 18Mix: 3.90%of portfolio

Place

Sound

WAState

Volume: 15Mix: 3.25%of portfolio

Place

Sound

NJState

Volume: 15Mix: 3.25%of portfolio

Place

Sound

PAState

Volume: 15Mix: 3.25%of portfolio

Place

Sound

GAState

Volume: 13Mix: 2.82%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.