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LENDING CAPITAL GROUP Inc
Independent Mortgage Company|Southampton, PA|Multi-Region
Loans Originated
430
Applications
535
Volume
$146 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.501%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,361
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
80.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Things to Think About
- Rates typically 50 basis points above market average
Report Card
LENDING CAPITAL GROUP Inc performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 4 metro areas · 6 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$341,047
Average Borrower Income
$140,526
Average Property Value
$443,884
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 381 | 88.6% | +0.455% | $3,259 |
FHA Loans | Sound | Strong | Mediocre | Strong | 47 | 10.9% | +0.908% | $4,292 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Acceptable | Strong | 390 | 90.7% | +0.509% | $3,377 |
Refinance | Acceptable | Sound | Mediocre | Sound | 40 | 9.3% | +0.427% | $3,191 |
Geographic Coverage
Metro Areas
4
States Served
6
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CTDEFLMDNJPA
Top Metro Areas by Place Specialization Score
1
Montgomery County, PAMSA
Volume: 210Mix: 48.84%
Place Specialization
Exceptional
2
Philadelphia, PA, PAMSA
Volume: 111Mix: 25.81%
Place Specialization
Strong
3
Camden, NJ, NJMSA
Volume: 25Mix: 5.81%
Place Specialization
Sound
4
Lakewood, NJMSA
Volume: 14Mix: 3.26%
Place Specialization
Sound
Top States by Place Specialization Score
1
PAState
Volume: 346Mix: 80.47%
Place Specialization
Exceptional
2
NJState
Volume: 53Mix: 12.33%
Place Specialization
Sound
3
FLState
Volume: 22Mix: 5.12%
Place Specialization
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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