PlainLender

CAPITAL MORTGAGE

SAN JUAN, PR

CAPITAL MORTGAGE processed 263 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 150 loans with a 21.7% denial rate. Home Purchase was the primary loan purpose. Based in SAN JUAN, PR. The approval rate of 57.0% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. CAPITAL MORTGAGE processed 263 HMDA-reported mortgage applications in 2024, originating 150 loans and denying 57 for a denial rate of 21.7% (applicants themselves withdrew 38 files before a decision). The average loan amount was $173,935 at a 7.674% average note rate, and applicants self-reported an average income of $37,000. The lender reports under LEI 254900SI9TPITPEZ5332 from SAN JUAN, PR.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. CAPITAL MORTGAGE's 57.0% origination rate tells you how often an application turned into funded money; the 21.7% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Insufficient cash, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (164 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

263
Applications
150
Originated
21.7%
Denial Rate
$173,935
Avg Loan Amount
Avg Interest Rate: 7.674% Avg Applicant Income: $37,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 164 96 33 $178,963
FHA 81 44 21 $163,889
USDA 10 4 2 $108,000
VA 8 6 1 $255,000

Top loan types — CAPITAL MORTGAGE

Top loan types — CAPITAL MORTGAGE Horizontal bar chart of the top 4 items by value (applications). Top loan types — CAPITAL MORTGAGE Top 4 1. Conventional 164 2. FHA 81 3. USDA 10 4. VA 8 Top 5 loan types by application volume at CAPITAL MORTGAGE (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for CAPITAL MORTGAGE (LEI: 254900SI9TPITPEZ5332) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
20
Insufficient cash
9
Collateral
9
Unverifiable information
9
Employment history
8
Debt-to-income ratio
2
Other
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 231 132 $173,139
Cash-out Refinancing 30 16 $169,333
Refinancing 2 2 $335,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 226 57.5% 20.8%
Black or African American 14 35.7% 50.0%
Joint 8 25.0% 25.0%
Asian 2 50.0% 0.0%
American Indian or Alaska Native 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Hispanic or Latino 244 55.3% 22.5%
Not Hispanic or Latino 12 66.7% 16.7%
Joint 5 100.0% 0.0%

Nearby Lenders in PR

Other HMDA-reporting lenders in PR with similar activity. Compare any two side-by-side.

Banco Popular

San Juan, PR

6,295 apps 2,445 originated 13.0% denied

FIRSTBANK

San Juan, PR

3,534 apps 2,160 originated 19.8% denied

The Moneyhouse Inc.

San Juan, PR

2,757 apps 1,219 originated 7.4% denied

Oriental Bank

San Juan, PR

1,702 apps 814 originated 25.0% denied

HR MORTGAGE CORP

CAGUAS, PR

678 apps 475 originated 23.3% denied
Compare CAPITAL MORTGAGE vs Banco Popular →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Frequently Asked Questions

How many mortgage applications did CAPITAL MORTGAGE process?
CAPITAL MORTGAGE processed 263 mortgage applications in the 2023 HMDA reporting year. Of these, 150 were originated (approved and funded), 38 were withdrawn by the applicant, and 57 were denied.
What is CAPITAL MORTGAGE's mortgage approval rate?
CAPITAL MORTGAGE has an approval (origination) rate of 57.0%, meaning 57.0% of all applications resulted in a funded mortgage. The denial rate is 21.7%.
What is the average loan amount at CAPITAL MORTGAGE?
The average mortgage loan amount at CAPITAL MORTGAGE is $173,935. The average interest rate is 7.674%. The average applicant income is $37,000.
What are the most common reasons for mortgage denial at CAPITAL MORTGAGE?
The most common reasons for mortgage denial at CAPITAL MORTGAGE are: Credit history, Insufficient cash, Collateral. In total, 57 applications were denied out of 263 total applications.
What types of mortgage loans does CAPITAL MORTGAGE offer?
CAPITAL MORTGAGE processes Conventional, FHA, USDA, VA loans. The most common type is Conventional with 164 applications and an average loan amount of $178,963.
What loan purposes does CAPITAL MORTGAGE serve?
CAPITAL MORTGAGE serves the following loan purposes: Home Purchase (231 applications), Cash-out Refinancing (30 applications), Refinancing (2 applications). Home Purchase is the most common purpose.
Where is CAPITAL MORTGAGE located?
CAPITAL MORTGAGE is headquartered in SAN JUAN, PR. The lender is identified by LEI 254900SI9TPITPEZ5332 in HMDA data.
How does CAPITAL MORTGAGE compare in lending across racial demographics?
CAPITAL MORTGAGE reports demographic lending data under HMDA requirements. White applicants have an approval rate of 57.5% and denial rate of 20.8%; Black or African American applicants have an approval rate of 35.7% and denial rate of 50.0%; Joint applicants have an approval rate of 25.0% and denial rate of 25.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.