Mega Capital Funding, Inc. mortgage approval rate & lending review
Mega Capital Funding, Inc. decided 6,594 mortgage applications and funded 6,320 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mega Capital Funding, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mega Capital Funding, Inc. at a glance
Approval is 15.3 points above the 84.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 100% | 4,851 / 4,865 | 97% | $455K | 4,684 |
| Cash-out refinance | 100% | 642 / 644 | 95% | $355K | 613 |
| Refinance | 100% | 487 / 487 | 93% | $495K | 453 |
| Investment property purchase | 100% | 371 / 371 | 96% | $345K | 357 |
| Investment cash-out refinance | 99% | 170 / 171 | 95% | $315K | 162 |
| Investment refinance | 100% | 56 / 56 | 91% | $475K | 51 |
Mega Capital Funding, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 100% | $645K | 1,754 | 1,693 |
| Florida | 100% | $395K | 1,606 | 1,550 |
| Texas | 100% | $445K | 1,130 | 1,104 |
| Illinois | 100% | $305K | 304 | 230 |
| New Jersey | 100% | $495K | 237 | 223 |
| Massachusetts | 99% | $535K | 159 | 154 |
| Colorado | 98% | $545K | 132 | 128 |
| Arizona | 100% | $425K | 123 | 118 |
| Alabama | 100% | $265K | 120 | 119 |
| Oregon | 99% | $415K | 117 | 115 |
| Nevada | 100% | $465K | 99 | 99 |
| Georgia | 100% | $365K | 93 | 90 |
| Utah | 100% | $455K | 88 | 86 |
| Tennessee | 99% | $435K | 83 | 76 |
| Washington | 99% | $525K | 78 | 76 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Mega Capital Funding, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Luis Obispo County, CA | Mortgage lenders | 100% | 67 | 64 |
The county markets where Mega Capital Funding, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Mega Capital Funding, Inc.
What is Mega Capital Funding, Inc.'s mortgage approval rate?
Mega Capital Funding, Inc. approved 99.7% of the 6,594 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.3 points above the 84.4% national rate for the same mix of loan types.
How often do borrowers take the loan Mega Capital Funding, Inc. offers?
Borrowers accepted 96% of the loans Mega Capital Funding, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Mega Capital Funding, Inc. make?
The typical home purchase mortgage loan Mega Capital Funding, Inc. made was $455K; across all loan types its typical loan ran from $315K to $495K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mega Capital Funding, Inc. lend?
Mega Capital Funding, Inc. decided applications in 38 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to Mega Capital Funding, Inc. directly?
Yes. Mega Capital Funding, Inc. reports as a direct lender that takes applications from borrowers.
Does this page show Mega Capital Funding, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Mega Capital Funding, Inc. treats applications, then get a rate quote from the lender.