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Capital Concepts

Independent Mortgage Company•Houston, TXHQ•Direct•Reviews near you on Google

Capital Concepts has 41 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Sound
3/5
closing strength
Product
Mediocre
1/5
Conventional
Place
Sound
3/5
Multi-Region · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

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Report Card

Capital Concepts performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
41 loans
Mediocre
Bottom 20% of lenders
1/5
By Loan Purpose· Transaction purpose mix
Purchase
21 loans
Mediocre
Bottom 20% of lenders
1/5
Refinance
20 loans
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 1 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Mediocre
Pricing—
Pull Through
Sound
Volume41
Mix100.0%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Mediocre
Pricing—
Pull Through
Sound
Volume21
Mix51.2%
Spread—
Fees—
Refinance
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Strong
Volume20
Mix48.8%
Spread—
Fees—

At a Glance

Lender Overview

Lending Activity
Loans Originated
41
Applications
45
Volume
$8 million
Pricing & Closing
Pullthrough Rate
91.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$203,293
Avg Borrower Income
$116,171
Avg Property Value
$274,756

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

7Full-year 2024 · HMDA
7 states with loan originations
Loans originated
All statesNone
Midwest3
KSMIMO
South4
AROKTNTX

Top Metro Areas by Place Specialization Score

1© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 10Mix 24.39% of portfolio
46/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 32Mix 78.05% of portfolio
55/100
Sound

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
Champion(80%+ = 40-50 points)
Superstar
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.