Foote Capital Mortgage 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 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
38th12.5% deniedPricingmedian rate spread over APOR, weight 30%
67th0.14 ptsProcesswithdrawn + incomplete share, weight 15%
84th3.5%Closing coststotal loan costs ÷ loan amount, weight 10%
29th2.49% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 78 | 66 | 10.3% | 10.8% | 6.69% | $16M |
| 2025 | 116 | 98 | 12.1% | 12.5% | 6.50% | $27M |
What Foote Capital Mortgage 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, 5 manufactured homes, 3 investment properties.
Why Foote Capital Mortgage denies applications
Primary reason reported for each of the 14 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Foote Capital Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 47 | 40 | 11.1% |
| $100k – $150k | 37 | 34 | 8.1% |
| $150k – $250k | 21 | 14 | 26.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 42 | 38 | 2.6% |
| 35–44 | 25 | 21 | 16.0% |
Where Foote Capital Mortgage lends
3 states and 9 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 114 | 97 | 11.4% | 6.50% | #360 |
Frequently asked questions
Foote Capital Mortgage denied 12.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 38th percentile of small mortgage lenders.
The most common reason Foote Capital Mortgage gave in 2025 was "collateral", cited on 85.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Foote Capital Mortgage originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.14 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 93% of its applications were for home purchases, 7% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 86% conventional, 7% FHA, 7% 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.