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Lending Capital Group

Independent Mortgage Company•Southampton, PAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Lending Capital Group — 430 loans across 535 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Strong
4/5
Multi-Region · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Rates typically 50 basis points above market average

Explore another lender or local market

Report Card

Lending Capital Group performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+50.1 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
381 loans · 0.46% above market
Sound
Top 60% of lenders
3/5
FHA
47 loans · 0.91% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
390 loans · 0.51% above market
Sound
Top 60% of lenders
3/5
Refinance
40 loans · 0.43% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume381
Mix88.6%
Spread
+0.455%Above
Fees
$3,259Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume47
Mix10.9%
Spread
+0.908%Above
Fees
$4,292Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume390
Mix90.7%
Spread
+0.509%Above
Fees
$3,377Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume40
Mix9.3%
Spread
+0.427%Above
Fees
$3,191Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
430
Applications
535
Volume
$146 million
Pricing & Closing
Avg Rate Spread
+0.501%
vs. market APOR
Avg Net Fees
$3,361
Origination − Credits
Pullthrough Rate
80.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$341,047
Avg Borrower Income
$140,526
Avg Property Value
$443,884

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

6Full-year 2024 · HMDA
6 states with loan originations
Loans originated
< 2020–5050+None
Northeast3
CTNJPA
South3
DEFLMD

Top Metro Areas by Place Specialization Score

1© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 210Mix 48.84% of portfolio
87/100
Exceptional
2© 颐园居 · CC BY-SA 4.0
Philadelphia, PAMetro
Volume 111Mix 25.81% of portfolio
77/100
Strong
3© Gary Miotla · CC BY 3.0
Camden, NJMetro
Volume 25Mix 5.81% of portfolio
55/100
Sound
4© Mr. Matté · CC BY-SA 4.0
Lakewood, NJMetro
Volume 14Mix 3.26% of portfolio
45/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 346Mix 80.47% of portfolio
80/100
Exceptional
New Jersey
New Jersey
2
New JerseyState
Volume 53Mix 12.33% of portfolio
59/100
Sound
Florida
Florida
3
FloridaState
Volume 22Mix 5.12% of portfolio
43/100
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.