# MORTGAGE CAPITAL PARTNERS, INC.

> **Canonical URL:** https://saferate.com/lenders/mortgage-capital-partners


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


MORTGAGE CAPITAL PARTNERS, INC. is a independent mortgage company, headquartered in SAN DIEGO, CA, serving borrowers across 8 states, with 308 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300D3LYUX1NJVC329
- **Headquarters:** SAN DIEGO, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** CA, FL, NJ, OR, PA, TN, TX, WA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.264%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,036
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 308
- **Dollar Volume:** $208 million
- **Applications Received:** 539
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $673,831
- **Average Borrower Income:** $238,513
- **Average Property Value:** $1,026,299

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 48/100 | 259 | +0.268% | $4,349 | Sound ☺️ |
| FHA | 58/100 | 39 | +0.263% | $2,776 | Sound ☺️ |
| Jumbo | 40/100 | 10 | +0.168% | $2,497 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 213 loans, Score: 48/100 (Sound)
- Refinance: 46 loans, Score: 46/100 (Sound)

**FHA:**
- Purchase: 38 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 259 | $175M | +0.272% | Sound ☺️ |
| Refinance | 44/100 | 49 | $32M | +0.215% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 296 | 0.10% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 252 | 82/100 |
| Riverside | CA | 15 | 46/100 |

## Where This Lender Ranks

MORTGAGE CAPITAL PARTNERS, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#18** in Los Angeles for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does MORTGAGE CAPITAL PARTNERS, INC. offer?

MORTGAGE CAPITAL PARTNERS, INC. offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MORTGAGE CAPITAL PARTNERS, INC. offer mortgages?

MORTGAGE CAPITAL PARTNERS, INC. offers mortgages in 8 states: CA, FL, NJ, OR, PA, TN, TX, WA.

### How competitive are MORTGAGE CAPITAL PARTNERS, INC.'s mortgage rates?

MORTGAGE CAPITAL PARTNERS, INC. has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.264% above market average.

### What type of lender is MORTGAGE CAPITAL PARTNERS, INC.?

MORTGAGE CAPITAL PARTNERS, INC. is a non-depository lender that specializes in mortgage origination, headquartered in SAN DIEGO, CA.

### What is MORTGAGE CAPITAL PARTNERS, INC.'s loan approval success rate?

MORTGAGE CAPITAL PARTNERS, INC. has a pull-through score of 46/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/mortgage-capital-partners

### How to Cite

> "MORTGAGE CAPITAL PARTNERS, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mortgage-capital-partners

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