CapCenter Mortgage Review

Overall Score
4.8 out of 5
4.8 out of 5
Loan Volume
Not rated
Editorial Rating
4.8 out of 5


With over 25 years in the mortgage sector, CapCenter Mortgage has continued to offer high-quality customer service and loan options to homeowners in Maryland, North Carolina, South Carolina, Virginia, and the District of Columbia. If you're interested in a helpful support network and some of the best rates on the market, look no further.


  • 4.8 rating on Trustpilot
  • Extensive loan options with low rates
  • Curated customer service for a seamless refinance experience
  • Highly-rated for fees, customer support, and process efficiency
CapCenter Mortgage is a great choice for any homeowner looking for a seamless and affordable refinance experience. Their highly rated customer service, fees, and loan offerings make refinancing as hassle-free as it could possibly be. Although their state footprint is small, homeowners that live in one of the states they service should take advantage of what they have to offer.

CapCenter Mortgage Ratings

The team at considers a variety of sources and methods to determine an overall ratings score. First, a lender's Trustpilot score (or TrustScore) is factored in, when available. Truspilot, a third-party review site, is a leading source regarding customer satisfaction and consumer sentiment. From there, for lenders that publicly release their financial statements, we research loan origination volume. Loan origination volume is one way to understand a lender's solvency and transactional reliability. Next is brand strength. For lenders who have met a certain threshold of engagement on, we measure their relative popularity among our consumers. And finally, we offer our editorial ratings, which rely heavily on in-depth brand research and secret shopping.

Editor Ratings

Loan Variety
Loans Offered Include: Fixed, ARM, conventional, FHA, VA, jumbo
Regarding their loan options, CapCenter does a fantastic job of offering a wide variety; whether you're looking for conventional, streamlined, or even jumbo loans, they're likely to have what you need..
As far as fees and rates go, we appreciate the transparency CapCenter offers on their website. They make it easy for homeowners to view potential costs associated with a variety of loan options, and even make a helpful refinance calculator available as an aid. Their rates are typically average to good when compared to other lenders.
Customer Service
Customer service is one area where CapCenter shines the most. They have a great reputation online for making the refinance process as easy as possible for their customers. Homeowners can contact them via chat, phone, or email with any questions.
Company Reputation
CapCenter has one of the best online reputations among the lenders we've researched. Homeowners appreciate their customer support, swift response times, and quick processing, as well as their fair rates.
Ease of Application Process
Applications are fairly easy with CapCenter -- they offer online applications with the option for customers to call for personalized help if necessary.
For Lower Credit Scores
Minimum Credit Score: 620
With their wide variety of loan options, CapCenter is a fairly good option for homeowners with low credit scores. Keep in mind that credit limits correlate to loan type -- there are certain loans you won't be eligible for, and you are likely to be charged slightly higher rates than customers with higher credit scores.
For Higher Credit Scores
Given that their rates tend to be average to low for the industry, we regard CapCenter as a great option for homeowners with higher credit scores. You can take advantage of not only their affordable costs, but also their helpful customer service and varied loan options.

Additional Ratings

Trustpilot Rating
  • CapCenter has a 4.8 on Trustpilot, with close to 1000 reviews
  • Customer service is the major highlight of working with this lender for most reviewers
Loan Volume Rating
Not rated
  • CapCenter is not currently rated for loan volume
Editorial Ratings
  • CapCenter is an all-around great option for refinancing, especially if you want a company that offers jumbo loans. They score particularly well in the customer service category, and this is backed up by their customer reviews online.

Company Background

Founded in 1997 and headquartered in Virginia, CapCenter Mortgage is a mortgage loan and real estate company offering world-class service in the Northeast. They are dedicated to providing a both comfortable and affordable experience for clients when it comes to home buying, selling, and financing.