Capital Concepts at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
91st0.0% deniedProcesswithdrawn + incomplete share, weight 15%
42nd6.7%Closing coststotal loan costs ÷ loan amount, weight 10%
13th4.70% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 147 | 123 | 0.0% | 0.0% | 7.25% | $24M |
| 2024 | 89 | 79 | 0.0% | 0.0% | 6.99% | $15M |
| 2025 | 119 | 111 | 0.0% | 0.0% | 6.88% | $23M |
What Capital Concepts lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 111 investment properties.
Who gets approved at Capital Concepts
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 29 | 26 | 0.0% |
| $150k – $250k | 30 | 30 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 24 | 19 | 0.0% |
| 45–54 | 41 | 40 | 0.0% |
| 55–64 | 27 | 26 | 0.0% |
Where Capital Concepts lends
9 states and 40 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Capital Concepts denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 91st percentile of investment-property lenders.
The median interest rate on loans Capital Concepts originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 16% of its applications were for home purchases, 84% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 98% conventional, 2% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.