Campos Financial
Campos Financial has 191 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Strong
4/5
Single State · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Summary
What They Do Well
- Strong pull through performance
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,289)
Explore another lender or local market
Report Card
Campos Financial performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+41.9 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
71 loans · 0.48% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
113 loans · 0.41% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
148 loans · 0.44% above market
Sound
Top 60% of lenders
3/5
Refinance
43 loans · 0.33% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Single State · 3 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 71 | 37.2% | +0.480%Above | $4,756Fees | ||||
FHA Loans | 113 | 59.2% | +0.407%Above | $4,158Fees |
Conventional
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughStrong
Volume71
Mix37.2%
Spread
+0.480%Above
Fees
$4,756Fees
FHA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume113
Mix59.2%
Spread
+0.407%Above
Fees
$4,158Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 148 | 77.5% | +0.440%Above | $4,210Fees | ||||
Refinance | 43 | 22.5% | +0.332%Above | $4,619Fees |
Purchase
OverallSound
ProductSound
PricingAcceptable
Pull ThroughStrong
Volume148
Mix77.5%
Spread
+0.440%Above
Fees
$4,210Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughStrong
Volume43
Mix22.5%
Spread
+0.332%Above
Fees
$4,619Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
191
Applications
200
Volume
$100 million
Pricing & Closing
Avg Rate Spread
+0.419%
vs. market APOR
Avg Net Fees
$4,289
Origination − Credits
Pullthrough Rate
95.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$528,298
Avg Borrower Income
$159,037
Avg Property Value
$671,806
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
1Full-year 2024 · HMDALoans originated
All statesNone
West1
CA
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.