Fundloans Capital mortgage approval rate & lending review
Fundloans Capital decided 2,829 mortgage applications and funded 2,391 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Fundloans Capital reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to fundloans.com.
This lender is broker only. It does not take applications from borrowers directly; you would reach it through a mortgage broker.
Fundloans Capital at a glance
Approval is 9.7 points above the 75.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 476 / 530 | 100% | $985K | 475 |
| Home improvement loans | 90% | 175 / 195 | 100% | $455K | 175 |
| Cash-out refinance | 81% | 861 / 1,068 | 100% | $405K | 858 |
| Refinance | 80% | 74 / 93 | 100% | $1.72M | 74 |
| Investment property purchase | 93% | 254 / 272 | 100% | $605K | 254 |
| Investment cash-out refinance | 84% | 429 / 508 | 100% | $505K | 429 |
| Investment refinance | 78% | 123 / 157 | 100% | $1M | 123 |
Fundloans Capital lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 84% | $505K | 1,698 | 1,431 |
| Florida | 83% | $455K | 427 | 356 |
| Texas | 88% | $465K | 113 | 100 |
| Arizona | 87% | $455K | 95 | 82 |
| Nevada | 92% | $505K | 73 | 67 |
| Washington | 82% | $395K | 65 | 53 |
| Georgia | 92% | $415K | 52 | 47 |
| Hawaii | 90% | $605K | 49 | 44 |
| Colorado | 81% | $305K | 42 | 34 |
| Utah | 86% | $335K | 36 | 31 |
| Oregon | 52% | $275K | 27 | 14 |
| North Carolina | 88% | $385K | 26 | 23 |
| South Carolina | 90% | $395K | 20 | 18 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Fundloans Capital lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Cash-out refinance | 82% | 257 | 210 |
| San Diego County, CA | Cash-out refinance | 87% | 132 | 114 |
| Orange County, CA | Cash-out refinance | 82% | 109 | 89 |
| Los Angeles County, CA | Investment cash-out refinance | 78% | 108 | 84 |
| San Diego County, CA | Investment cash-out refinance | 87% | 69 | 60 |
| San Diego County, CA | Investment property purchase | 89% | 35 | 31 |
| Orange County, CA | Investment cash-out refinance | 88% | 32 | 28 |
| San Diego County, CA | Home improvement loans | 93% | 28 | 26 |
| Los Angeles County, CA | Investment refinance | 76% | 29 | 22 |
| Riverside County, CA | Investment cash-out refinance | 87% | 23 | 20 |
| Miami-Dade County, FL | Investment cash-out refinance | 83% | 24 | 20 |
| San Diego County, CA | Investment refinance | 76% | 25 | 19 |
The county markets where Fundloans Capital made the most loans. Each link opens that market with every lender ranked.
Questions about Fundloans Capital
What is Fundloans Capital's mortgage approval rate?
Fundloans Capital approved 84.7% of the 2,829 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.7 points above the 75.0% national rate for the same mix of loan types.
How often do borrowers take the loan Fundloans Capital offers?
Borrowers accepted 100% of the loans Fundloans Capital approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Fundloans Capital make?
The typical cash-out refinance loan Fundloans Capital made was $405K; across all loan types its typical loan ran from $405K to $1.72M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Fundloans Capital lend?
Fundloans Capital decided applications in 30 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to Fundloans Capital directly?
No. Fundloans Capital is a wholesale lender: it funds loans that mortgage brokers bring to it and does not take applications from borrowers directly. Its website is fundloans.com.
Does this page show Fundloans Capital's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Fundloans Capital treats applications, then get a rate quote from the lender.