Capital Center
We analyzed every closed loan from Capital Center — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 11 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
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
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Report Card
Capital Center performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+12.0 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 12 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,046 | 83.3% | +0.152%Above | $724Fees | ||||
FHA Loans | 131 | 10.4% | +0.182%Above | $752Fees | ||||
VA Loans | 77 | 6.1% | -0.489%Below | $786Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume1,046
Mix83.3%
Spread
+0.152%Above
Fees
$724Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume131
Mix10.4%
Spread
+0.182%Above
Fees
$752Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume77
Mix6.1%
Spread
-0.489%Below
Fees
$786Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 784 | 62.5% | +0.162%Above | $917Fees | ||||
Refinance | 471 | 37.5% | +0.049%Above | $417Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume784
Mix62.5%
Spread
+0.162%Above
Fees
$917Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume471
Mix37.5%
Spread
+0.049%Above
Fees
$417Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,255
Applications
2,047
Volume
$445 million
Pricing & Closing
Avg Rate Spread
+0.120%
vs. market APOR
Avg Net Fees
$730
Origination − Credits
Pullthrough Rate
61.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$355,088
Avg Borrower Income
$150,634
Avg Property Value
$493,574
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
7South7
DCFLGAMDNCSCVA
Top Metro Areas by Place Specialization Score
Volume 653Mix 52.03% of portfolio
99/100
Exceptional
Volume 154Mix 12.27% of portfolio
74/100
Strong
Volume 32Mix 2.55% of portfolio
63/100
Strong
Volume 45Mix 3.59% of portfolio
59/100
Sound
Volume 42Mix 3.35% of portfolio
56/100
Sound
Volume 37Mix 2.95% of portfolio
54/100
Sound
Volume 15Mix 1.20% of portfolio
47/100
Sound
Volume 12Mix 0.96% of portfolio
44/100
Sound
Volume 11Mix 0.88% of portfolio
41/100
Sound
Volume 10Mix 0.80% of portfolio
41/100
SoundShowing 10 of 11 metro areas
Top States by Place Specialization Score
1
VirginiaState
Volume 987Mix 78.65% of portfolio
91/100
Exceptional2
North CarolinaState
Volume 156Mix 12.43% of portfolio
64/100
Strong3
South CarolinaState
Volume 39Mix 3.11% of portfolio
53/100
Sound4
MarylandState
Volume 26Mix 2.07% of portfolio
47/100
Sound5
FloridaState
Volume 31Mix 2.47% of portfolio
43/100
Sound6
GeorgiaState
Volume 13Mix 1.04% of portfolio
38/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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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.