Mortgage Capital Partners 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%
97th0.0% deniedPricingmedian rate spread over APOR, weight 30%
59th0.20 ptsProcesswithdrawn + incomplete share, weight 15%
4th31.7%Closing coststotal loan costs ÷ loan amount, weight 10%
68th1.43% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 502 | 321 | 0.2% | 0.3% | 6.88% | $201M |
| 2024 | 547 | 311 | 0.0% | 0.0% | 6.63% | $210M |
| 2025 | 581 | 376 | 0.0% | 0.0% | 6.63% | $273M |
What Mortgage Capital Partners 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, 44 investment properties.
Who gets approved at Mortgage Capital Partners
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 46 | 23 | 0.0% |
| $100k – $150k | 110 | 71 | 0.0% |
| $150k – $250k | 197 | 135 | 0.0% |
| Over $250k | 221 | 144 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 137 | 86 | 0.0% |
| 35–44 | 200 | 137 | 0.0% |
| 45–54 | 108 | 70 | 0.0% |
| 55–64 | 73 | 49 | 0.0% |
| 65–74 | 44 | 22 | 0.0% |
Where Mortgage Capital Partners lends
10 states and 42 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 552 | 356 | 0.0% | 6.63% | #249 |
| Tennessee | 8 | 5 | 0.0% | 6.63% | #655 |
| Florida | 7 | 3 | 0.0% | 6.99% | #1,023 |
Frequently asked questions
Mortgage Capital Partners 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 97th percentile of small mortgage lenders.
The median interest rate on loans Mortgage Capital Partners originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.20 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 77% of its applications were for home purchases, 23% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 87% conventional, 12% FHA, 2% 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.