Capital Center, L.L.C.: 2025 mortgage rates, costs & approvals
How Capital Center, L.L.C. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: CAPITAL CENTER, L.L.C. · LEI 213800KVD76WKI6PN868
In 2025, Capital Center, L.L.C. originated 1,672 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 10 states — 309th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 10 basis points below the national median. Median conventional loan costs were $0, 100% lower than the national median ($5,570).
It denied 6.7% of completed home-purchase applications (all lenders: 8.5%).
How Capital Center, L.L.C. priced home-purchase loans
| Purchase loans, 2025 | Capital Center, L.L.C. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 6.000% | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 5.875% |
| Rate spread vs. APOR · conventional | +0.04 pts | +0.13 pts |
| Total loan costs · conventional | $0 | $5,570 |
| Total loan costs · FHA | $6,000 | $11,310 |
| Total loan costs · VA | $230 | $6,490 |
| Origination charges (all types) | $0 | $1,860 |
| Borrowers paying discount points | 27.7% | 51.3% |
| Points paid, when paid (% of loan) | 0.99% | 0.87% |
| Borrowers receiving lender credits | 40.8% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Capital Center, L.L.C. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Capital Center, L.L.C. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Virginia | 1,362 | 1,552 | 5.2% | 6.625% | $0 |
| North Carolina | 162 | 198 | 10.3% | 6.750% | $0 |
| Florida | 37 | 42 | — | — | — |
| South Carolina | 34 | 44 | 18.2% | — | — |
| Maryland | 34 | 41 | 16.0% | — | — |
| Georgia | 21 | 25 | — | — | — |
| Pennsylvania | 10 | 13 | — | — | — |
| Ohio | 7 | 11 | — | — | — |
| District of Columbia | 5 | 6 | — | — | — |
| West Virginia | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Capital Center, L.L.C.'s page for that state.
Counties where Capital Center, L.L.C. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hanover County, VA | 2 | 125 | 6.8% |
| Henrico County, VA | 3 | 302 | 6.0% |
| Goochland County, VA | 3 | 27 | 5.0% |
| Powhatan County, VA | 5 | 27 | 4.8% |
| Northumberland County, VA | 3 | 9 | 4.4% |
| Emporia city, VA | 6 | 2 | 4.3% |
| Richmond city, VA | 5 | 97 | 3.9% |
| Chesterfield County, VA | 4 | 257 | 3.7% |
| Essex County, VA | 6 | 5 | 3.1% |
| New Kent County, VA | 6 | 21 | 2.8% |
| Buena Vista city, VA | 6 | 2 | 2.7% |
| Charles City County, VA | 10 | 2 | 2.1% |
| Hertford County, NC | 11 | 2 | 2.1% |
| Northampton County, VA | 8 | 3 | 2.1% |
| Amelia County, VA | 15 | 4 | 2.0% |
Check Capital Center, L.L.C. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 213800KVD76WKI6PN868.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Capital Center, L.L.C. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology