Mortgage Capital Partners
Mortgage Capital Partners has 308 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
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Summary
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,036)
Explore another lender or local market
Report Card
Mortgage Capital Partners performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+26.4 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
259 loans · 0.27% above market
Sound
Top 60% of lenders
3/5
FHA
39 loans · 0.26% above market
Sound
Top 60% of lenders
3/5
Jumbo
10 loans · 0.17% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
259 loans · 0.27% above market
Sound
Top 60% of lenders
3/5
Refinance
49 loans · 0.21% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 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 | 259 | 84.1% | +0.268%Above | $4,349Fees | ||||
FHA Loans | 39 | 12.7% | +0.263%Above | $2,776Fees | ||||
Jumbo Loans | — | 10 | 3.2% | +0.168%Above | $2,497Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume259
Mix84.1%
Spread
+0.268%Above
Fees
$4,349Fees
FHA Loans
OverallSound
ProductSound
PricingSound
Pull ThroughStrong
Volume39
Mix12.7%
Spread
+0.263%Above
Fees
$2,776Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughMediocre
Volume10
Mix3.2%
Spread
+0.168%Above
Fees
$2,497Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 259 | 84.1% | +0.272%Above | $4,258Fees | ||||
Refinance | 49 | 15.9% | +0.215%Above | $2,588Fees |
Purchase
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume259
Mix84.1%
Spread
+0.272%Above
Fees
$4,258Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume49
Mix15.9%
Spread
+0.215%Above
Fees
$2,588Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
308
Applications
539
Volume
$207 million
Pricing & Closing
Avg Rate Spread
+0.264%
vs. market APOR
Avg Net Fees
$4,036
Origination − Credits
Pullthrough Rate
57.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$673,831
Avg Borrower Income
$238,513
Avg Property Value
$1,026,299
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
8Full-year 2024 · HMDALoans originated
< 200200+None
Northeast2
NJPA
South3
FLTNTX
West3
CAORWA
Top Metro Areas 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.