What loan types does Capital Mortgage Services offer?

Capital Mortgage Services offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

How competitive are Capital Mortgage Services's mortgage rates?

Capital Mortgage Services has an overall pricing score of 3.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Capital Mortgage Services?

Capital Mortgage Services is a Independent Mortgage Company headquartered in San Juan, PR.

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Capital Mortgage Services

Independent Mortgage Company•San Juan, PRHQ•Direct•Reviews near you on Google

Capital Mortgage Services has 142 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

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Strong

4/5

unknown · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 144 basis points above market average
Higher than average fees ($4,737)

Explore another lender or local market

Report Card

Capital Mortgage Services performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+144.2 bps above market avg

1/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

90 loans · 1.48% above market

Sound

Top 60% of lenders

3/5

FHA

41 loans · 1.58% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

126 loans · 1.41% above market

Sound

Top 60% of lenders

3/5

Refinance

16 loans · 1.71% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Varies · 2 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	Acceptable	Sound	Mediocre	Sound	90	63.4%	+1.481%Above	$4,466Fees
FHA Loans	Acceptable	Sound	Mediocre	Sound	41	28.9%	+1.579%Above	$4,887Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume90

Mix63.4%

Spread

+1.481%Above

Fees

$4,466Fees

FHA Loans

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume41

Mix28.9%

Spread

+1.579%Above

Fees

$4,887Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Mediocre	Sound	126	88.7%	+1.414%Above	$4,664Fees
Refinance	Sound	Acceptable	—	Sound	16	11.3%	+1.707%Above	$5,432Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume126

Mix88.7%

Spread

+1.414%Above

Fees

$4,664Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume16

Mix11.3%

Spread

+1.707%Above

Fees

$5,432Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

142

Applications

246

Volume

$27 million

Pricing & Closing

Avg Rate Spread

+1.442%

vs. market APOR

Avg Net Fees

$4,737

Origination − Credits

Pullthrough Rate

57.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$193,521

Avg Borrower Income

$132,620

Avg Property Value

$261,338

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

Top Metro Areas by Place Specialization Score

San Juan, PRMetro

Volume 115Mix 80.99% of portfolio

75/100

Strong

Mayaguez, PRMetro

Volume 10Mix 7.04% of portfolio

46/100

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(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.