Capital Center
We analyzed every closed loan from Capital Center — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 11 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
Capital Center performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+12.0 bps above market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,046 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
FHA
131 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
VA
77 loans · 0.49% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
784 loans · 0.16% above market
Strong
Top 40% of lenders
4/5
Refinance
471 loans · 0.05% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 12 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 | 1,046 | 83.3% | +0.152%Above | $724Fees | ||||
FHA Loans | 131 | 10.4% | +0.182%Above | $752Fees | ||||
VA Loans | 77 | 6.1% | -0.489%Below | $786Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume1,046
Mix83.3%
Spread
+0.152%Above
Fees
$724Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume131
Mix10.4%
Spread
+0.182%Above
Fees
$752Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume77
Mix6.1%
Spread
-0.489%Below
Fees
$786Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 784 | 62.5% | +0.162%Above | $917Fees | ||||
Refinance | 471 | 37.5% | +0.049%Above | $417Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume784
Mix62.5%
Spread
+0.162%Above
Fees
$917Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume471
Mix37.5%
Spread
+0.049%Above
Fees
$417Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,255
Applications
2,047
Volume
$445 million
Pricing & Closing
Avg Rate Spread
+0.120%
vs. market APOR
Avg Net Fees
$730
Origination − Credits
Pullthrough Rate
61.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$355,088
Avg Borrower Income
$150,634
Avg Property Value
$493,574
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
7Full-year 2024 · HMDALoans originated
< 2020–5050–200200+None
South7
DCFLGAMDNCSCVA
Top Metro Areas by Place Specialization Score
Showing 10 of 11 metro areas
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.