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Oaktree Funding

Independent Mortgage Company•Chandler, AZHQ•Wholesale•Reviews near you on Google

We analyzed every closed loan from Oaktree Funding — 461 loans across 1k 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
Mediocre
1/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Near-National · 11 mkts

Safe Rate 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

Explore another lender or local market

Report Card

Oaktree Funding performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+121.4 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% 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
Near-National · 12 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Mediocre
Volume335
Mix72.7%
Spread
+1.292%Above
Fees
$6,443Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Sound
Volume119
Mix25.8%
Spread
+0.820%Above
Fees
$4,123Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Mediocre
Volume279
Mix60.5%
Spread
+1.216%Above
Fees
$6,133Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Acceptable
Volume182
Mix39.5%
Spread
+1.210%Above
Fees
$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
11
markets with activity
States Served
32
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

32
32 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast5
MEMANJPARI
Midwest7
IAILINMIMNOHWI
South9
ALFLGAMDNCSCTNTXVA
West11
AZCACOHIIDMTNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 38Mix 8.24% of portfolio
56/100
Sound
2© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 27Mix 5.86% of portfolio
52/100
Sound
3© Don Ramey Logan · CC BY 4.0
West Palm Beach, FLMetro
Volume 16Mix 3.47% of portfolio
49/100
Sound
4© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 23Mix 4.99% of portfolio
49/100
Sound
5© Venusetdilecti · CC BY-SA 4.0
Miami, FLMetro
Volume 14Mix 3.04% of portfolio
46/100
Sound
6© John Picken · CC BY 2.0
Chicago, ILMetro
Volume 16Mix 3.47% of portfolio
45/100
Sound
7© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 17Mix 3.69% of portfolio
45/100
Sound
8© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 11Mix 2.39% of portfolio
43/100
Sound
9© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 12Mix 2.60% of portfolio
41/100
Sound
10© Bernard Gagnon · CC BY-SA 3.0
San Diego, CAMetro
Volume 10Mix 2.17% of portfolio
41/100
Sound
Showing 10 of 11 metro areas

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 127Mix 27.55% of portfolio
62/100
Strong
Florida
Florida
2
FloridaState
Volume 79Mix 17.14% of portfolio
57/100
Sound
Arizona
Arizona
3
ArizonaState
Volume 31Mix 6.72% of portfolio
51/100
Sound
Texas
Texas
4
TexasState
Volume 47Mix 10.20% of portfolio
51/100
Sound
Hawaii
Hawaii
5
HawaiiState
Volume 13Mix 2.82% of portfolio
46/100
Sound
Illinois
Illinois
6
IllinoisState
Volume 18Mix 3.90% of portfolio
44/100
Sound
Washington
Washington
7
WashingtonState
Volume 15Mix 3.25% of portfolio
44/100
Sound
New Jersey
New Jersey
8
New JerseyState
Volume 15Mix 3.25% of portfolio
44/100
Sound
Pennsylvania
Pennsylvania
9
PennsylvaniaState
Volume 15Mix 3.25% of portfolio
42/100
Sound
Georgia
Georgia
10
GeorgiaState
Volume 13Mix 2.82% of portfolio
41/100
Sound
Showing 10 of 11 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.