# Capital Mortgage Services Corp.

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

> **📋 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

Capital Mortgage Services Corp. is a independent mortgage company, headquartered in San Juan, PR, with 142 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 96% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900SI9TPITPEZ5332
- **Headquarters:** San Juan, PR
- **Geographic Reach:** unknown
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.2%
- **Brokered/Wholesale:** 0.8%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 4/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +1.442%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,737
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 142
- **Dollar Volume:** $27 million
- **Applications Received:** 246
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $193,521
- **Average Borrower Income:** $132,620

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 90 | +1.481% | $4,466 | Sound ☺️ |
| FHA | 59/100 | 41 | +1.579% | $4,887 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 80 loans, Score: 46/100 (Sound)

**FHA:**
- Purchase: 35 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 126 | $24M | +1.414% | Sound ☺️ |
| Refinance | 40/100 | 16 | $3M | +1.707% | Acceptable 🙂 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Juan | PR | 115 | 75/100 |
| Mayaguez, PR | PR | 10 | 46/100 |

## Frequently Asked Questions

### What loan types does Capital Mortgage Services Corp. offer?

Capital Mortgage Services Corp. offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### How competitive are Capital Mortgage Services Corp.'s mortgage rates?

Capital Mortgage Services Corp. has a pricing score of 4/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.442% above market average.

### What type of lender is Capital Mortgage Services Corp.?

Capital Mortgage Services Corp. is a non-depository lender that specializes in mortgage origination, headquartered in San Juan, PR.

### What is Capital Mortgage Services Corp.'s loan approval success rate?

Capital Mortgage Services Corp. has a pull-through score of 59/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/capital-mortgage-services

### How to Cite

> "Capital Mortgage Services Corp. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/capital-mortgage-services

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