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Capital Mortgage Services Corp.

Independent Mortgage CompanySan Juan, PRDirect to Consumer

Capital Mortgage Services has 142 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Mediocre
vs. all lenders
Pull Through
Sound
closing strength
Products
Sound
FHA · Conventional
Place
Strong
unknown · 2 mkts

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Safe Rate's 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 Corp. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
Below peers
+144.2 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Varies2 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Sound
Mediocre
Sound
9063.4%
+1.481%Above
$4,466Fees
FHA Loans
Acceptable
Sound
Mediocre
Sound
4128.9%
+1.579%Above
$4,887Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Sound
Mediocre
Sound
12688.7%
+1.414%Above
$4,664Fees
Refinance
Acceptable
Acceptable
Sound
1611.3%
+1.707%Above
$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
States Served
0
We count Washington DC as a state
Avg Place Specialization
Strong

Top Metro Areas by Place Specialization Score

1
San Juan, PRMSA
Volume: 115Mix: 80.99%of portfolio
Place
Strong
2
Mayaguez, PR, PRMSA
Volume: 10Mix: 7.04%of portfolio
Place
Sound

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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.