LENDING CAPITAL GROUP 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%
76th4.3% deniedPricingmedian rate spread over APOR, weight 30%
42nd0.34 ptsProcesswithdrawn + incomplete share, weight 15%
19th20.4%Closing coststotal loan costs ÷ loan amount, weight 10%
47th2.01% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 453 | 349 | 3.1% | 3.9% | 6.88% | $117M |
| 2024 | 553 | 433 | 3.8% | 4.6% | 6.99% | $148M |
| 2025 | 554 | 421 | 3.4% | 4.3% | 6.75% | $136M |
What LENDING CAPITAL GROUP 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, 76 investment properties.
Why LENDING CAPITAL GROUP denies applications
Primary reason reported for each of the 19 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at LENDING CAPITAL GROUP
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 32 | 21 | 16.0% |
| $50k – $100k | 219 | 177 | 4.3% |
| $100k – $150k | 151 | 118 | 2.5% |
| $150k – $250k | 95 | 71 | 2.7% |
| Over $250k | 53 | 33 | 2.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 156 | 127 | 4.5% |
| 35–44 | 183 | 133 | 2.9% |
| 45–54 | 116 | 90 | 5.3% |
| 55–64 | 49 | 33 | 0.0% |
| 65–74 | 28 | 20 | 9.1% |
Where LENDING CAPITAL GROUP lends
6 states and 40 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 475 | 365 | 3.2% | 6.75% | #163 |
| New Jersey | 46 | 35 | 4.4% | 6.63% | #374 |
| Florida | 27 | 17 | 7.4% | 6.88% | #710 |
Frequently asked questions
LENDING CAPITAL GROUP denied 4.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 76th percentile of small mortgage lenders.
The most common reason LENDING CAPITAL GROUP gave in 2025 was "debt-to-income ratio", cited on 36.8% 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 LENDING CAPITAL GROUP originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.34 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 84% of its applications were for home purchases, 16% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 85% conventional, 15% 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.