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Capital Mortgage Services

Independent Mortgage Company•San Juan, PRHQ•Direct•Reviews near you on Google

Capital Mortgage Services has 142 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional
Place
Strong
4/5
unknown · 2 mkts

Safe Rate Summary

Things to Think About

  • Rates typically 144 basis points above market average
  • Higher than average fees ($4,737)

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Report Card

Capital Mortgage Services performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+144.2 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Varies · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume90
Mix63.4%
Spread
+1.481%Above
Fees
$4,466Fees
FHA Loans
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume41
Mix28.9%
Spread
+1.579%Above
Fees
$4,887Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume126
Mix88.7%
Spread
+1.414%Above
Fees
$4,664Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Sound
Volume16
Mix11.3%
Spread
+1.707%Above
Fees
$5,432Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
142
Applications
246
Volume
$27 million
Pricing & Closing
Avg Rate Spread
+1.442%
vs. market APOR
Avg Net Fees
$4,737
Origination − Credits
Pullthrough Rate
57.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$193,521
Avg Borrower Income
$132,620
Avg Property Value
$261,338

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
0
of 50 states + DC
Avg Place Specialization
Strong
4/5

Top Metro Areas by Place Specialization Score

1© Wilfredor · CC0
San Juan, PRMetro
Volume 115Mix 80.99% of portfolio
75/100
Strong
2© Rody PR · CC BY-SA 4.0
Mayaguez, PRMetro
Volume 10Mix 7.04% of portfolio
46/100
Sound

How 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.