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CAPITAL CENTER, L.L.C.
Independent Mortgage Company|GLEN ALLEN, VA|Multi-Region
Loans Originated
1,255
Applications
2,047
Volume
$445 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.120%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$730
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
61.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Report Card
CAPITAL CENTER, L.L.C. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 12 metro areas · 7 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$355,088
Average Borrower Income
$150,634
Average Property Value
$493,574
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Strong | 1,046 | 83.3% | +0.152% | $724 |
FHA Loans | Strong | Strong | Exceptional | Sound | 131 | 10.4% | +0.182% | $752 |
VA Loans | Strong | Strong | Exceptional | Sound | 77 | 6.1% | -0.489% | $786 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 784 | 62.5% | +0.162% | $917 |
Refinance | Strong | Strong | Exceptional | Strong | 471 | 37.5% | +0.049% | $417 |
Geographic Coverage
Metro Areas
11
States Served
7
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
DCFLGAMDNCSCVA
Top Metro Areas by Place Specialization Score
1
Richmond, VA, VAMSA
Volume: 653Mix: 52.03%
Place Specialization
Exceptional
2
Virginia Beach, VA-NCMSA
Volume: 154Mix: 12.27%
Place Specialization
Strong
3
Charlottesville, VA, VAMSA
Volume: 32Mix: 2.55%
Place Specialization
Strong
4
Raleigh, NCMSA
Volume: 45Mix: 3.59%
Place Specialization
Sound
5
Arlington, VA-WVMSA
Volume: 42Mix: 3.35%
Place Specialization
Sound
6
Charlotte, NC-SCMSA
Volume: 37Mix: 2.95%
Place Specialization
Sound
7
Wilmington, NC, NCMSA
Volume: 15Mix: 1.20%
Place Specialization
Sound
8
Lynchburg, VA, VAMSA
Volume: 12Mix: 0.96%
Place Specialization
Sound
9
Greenville, SCMSA
Volume: 11Mix: 0.88%
Place Specialization
Sound
10
Roanoke, VA, VAMSA
Volume: 10Mix: 0.80%
Place Specialization
Sound
Showing 10 of 11 metro areas
Top States by Place Specialization Score
1
VAState
Volume: 987Mix: 78.65%
Place Specialization
Exceptional
2
NCState
Volume: 156Mix: 12.43%
Place Specialization
Strong
3
SCState
Volume: 39Mix: 3.11%
Place Specialization
Sound
4
MDState
Volume: 26Mix: 2.07%
Place Specialization
Sound
5
FLState
Volume: 31Mix: 2.47%
Place Specialization
Sound
6
GAState
Volume: 13Mix: 1.04%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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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