Fundloans Capital
Fundloans Capital has 280 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
Mediocre
1/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Rates typically 110 basis points above market average
- Higher than average fees ($5,066)
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Fundloans Capital performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+109.9 bps above market avg
1/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
166 loans · 1.18% above market
Acceptable
Bottom 40% of lenders
2/5
Jumbo
114 loans · 0.89% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
164 loans · 1.12% above market
Sound
Top 60% of lenders
3/5
Refinance
116 loans · 1.07% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 166 | 59.3% | +1.180%Above | $5,768Fees | ||||
Jumbo Loans | — | 114 | 40.7% | +0.894%Above | $3,271Fees |
Conventional
OverallMediocre
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume166
Mix59.3%
Spread
+1.180%Above
Fees
$5,768Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume114
Mix40.7%
Spread
+0.894%Above
Fees
$3,271Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 164 | 58.6% | +1.120%Above | $4,517Fees | ||||
Refinance | 116 | 41.4% | +1.069%Above | $5,867Fees |
Purchase
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume164
Mix58.6%
Spread
+1.120%Above
Fees
$4,517Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume116
Mix41.4%
Spread
+1.069%Above
Fees
$5,867Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
280
Applications
526
Volume
$284 million
Pricing & Closing
Avg Rate Spread
+1.099%
vs. market APOR
Avg Net Fees
$5,066
Origination − Credits
Pullthrough Rate
53.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$1,017,107
Avg Borrower Income
$654,568
Avg Property Value
$1,524,143
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
16Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Midwest1
IL
South5
FLGANCSCTX
West10
AZCACOHIIDMTNMNVORWA
Top Metro Areas by Place Specialization Score
Top States 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.