A direct lender committed to transparent, efficient mortgage solutions.
Capital Rate Mortgage was founded with a simple mission: provide borrowers with direct access to competitive mortgage rates without the complexity of traditional lending channels.
Based in New York, we operate as a direct lender — meaning we fund loans with our own capital. This gives us the ability to offer faster approvals, more flexible terms, and a truly personalized experience.
We believe that getting a mortgage should be straightforward and transparent. Every borrower deserves clear communication, competitive rates, and a lending partner who works for them — not a middleman.
Every detail matters. We apply meticulous care to every loan we originate and fund.
No hidden fees, no surprises. As a direct lender, what we quote is what you get.
Direct lending means faster decisions and streamlined closings. Your time matters.