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Lending Capital Group

Independent Mortgage CompanySouthampton, PAHQDirectReviews near you on Google

We analyzed every closed loan from Lending Capital Group 430 loans across 535 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

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

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Rates typically 50 basis points above market average

Explore another lender or local market

Report Card

Lending Capital Group performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+50.1 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume381
Mix88.6%
Spread
+0.455%Above
Fees
$3,259Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume47
Mix10.9%
Spread
+0.908%Above
Fees
$4,292Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume390
Mix90.7%
Spread
+0.509%Above
Fees
$3,377Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume40
Mix9.3%
Spread
+0.427%Above
Fees
$3,191Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
430
Applications
535
Volume
$146 million
Pricing & Closing
Avg Rate Spread
+0.501%
vs. market APOR
Avg Net Fees
$3,361
Origination − Credits
Pullthrough Rate
80.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$341,047
Avg Borrower Income
$140,526
Avg Property Value
$443,884

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
CTNJPA
South3
DEFLMD

Top Metro Areas by Place Specialization Score

1© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 210Mix 48.84% of portfolio
87/100
Exceptional
2© 颐园居 · CC BY-SA 4.0
Philadelphia, PAMetro
Volume 111Mix 25.81% of portfolio
77/100
Strong
Volume 25Mix 5.81% of portfolio
55/100
Sound
Volume 14Mix 3.26% of portfolio
45/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 346Mix 80.47% of portfolio
80/100
Exceptional
New Jersey
New Jersey
2
New JerseyState
Volume 53Mix 12.33% of portfolio
59/100
Sound
Florida
Florida
3
FloridaState
Volume 22Mix 5.12% of portfolio
43/100
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.