Capital Lending
Capital Lending is a private, for-profit US mortgage lender headquartered in Utica, NY, founded in 2010. The company originates VA, FHA, construction, and refinance loans for retail consumer borrowers through an online application portal, with 51-100 employees.
- Company typePrivate
- Founded2010
- HeadquartersUtica, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Capital Lending does
Capital Lending is a private, for-profit US mortgage lender founded in 2010 and headquartered in Utica, New York. The company originates residential mortgage products — specifically VA loans, FHA loans, construction loans, and refinancing — for consumer borrowers, and accepts applications through an online portal at capitallendingonline.com. The firm employs between 51 and 100 staff, consistent with a small-to-mid-sized regional origination operation rather than a national retail mortgage platform.
The company's product set is concentrated in government-channel and specialty residential mortgage categories, with construction lending as a notable differentiator versus conventional refinance-focused competitors. Capital Lending operates without disclosed proprietary technology beyond its consumer-facing web application; no integrations, AI tooling, point-of-sale partnerships, or loan-origination-system details were available in the source data. The company website's substantive content was inaccessible at the time of extraction (a verification/waiting screen), which limits visibility into operational mechanics, pricing, lender partnerships, and secondary-market execution.
Capital Lending is a privately held, non-IPO-traded company with no disclosed funding rounds, ownership structure, management team, or investor base in the available data. There is no information on loan servicing retention versus sales into the secondary market, warehouse lending relationships, or gain-on-sale economics. As a result, the business model can be characterized as standard retail mortgage origination — fee and gain-on-sale revenue on closed loans — but specific revenue mechanics, unit economics, and customer-acquisition channels are not documented in the input.
Capital Lending firmographics
Firmographics- Name
- Capital Lending
- Website
- https://capitallendingonline.com
- Company type
- Private
- Founded year
- 2010
- Headcount range
- 51–100 employees
- Short description
- Capital Lending is a private, for-profit US mortgage lender headquartered in Utica, NY, founded in 2010. The company originates VA, FHA, construction, and refinance loans for retail consumer borrowers through an online application portal, with 51-100 employees.
- Ownership category
- akta.pro rank
Capital Lending industry classification
Industry- Product category
- Mortgage Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- SME Commercial Real Estate (CRE) Lending (FSABABAG)
- akta.pro secondary industries
- Real Estate Private Credit (CRE Debt) (FSANADAG), Balance-Sheet / Portfolio CRE Lending (FSALADAG)
Keywords
Where Capital Lending is headquartered
LocationHeadquarters
- HQ city
- Utica
- HQ country
- United States
- HQ region
- North America
Markets served
Capital Lending business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Capital Lending product offering
Product offeringCore offering
Capital Lending Inc. is a privately held mortgage lender that originates and underwrites home loans, including VA loans, FHA loans, construction loans, and refinancing products. The company accepts and processes loan applications online through its website, capitallendingonline.com.
Differentiator
Problem solved
Functional benefit
Products and services
- VA Loans
Companies that use Capital Lending
Customer profileIdeal customer profiles1 record
Capital Lending technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Capital Lending partnerships and signals
Strategic signalRecent moves1 record
Expansion highlights1 record
Capital Lending competitors and assessment
Company assessmentDirect peers
- Rocket Mortgage (Rocket Companies): The largest U.S. retail mortgage originator, offering FHA, VA, conventional, and refinancing through a fully online platform. Direct comparable to Capital Lending's online application model and product mix.
- loanDepot: Major retail and wholesale mortgage originator offering FHA, VA, conventional purchase, and refinance products with online capabilities. Competes with Capital Lending across the same loan programs.
- UWM (United Wholesale Mortgage): Largest wholesale mortgage lender in the U.S., supporting independent mortgage brokers with FHA, VA, and conventional products including construction-to-permanent and refinance. Direct peer in the third-party origination channel.
- Fairway Independent Mortgage: Large retail mortgage company offering FHA, VA, USDA, construction, and refinance loans with a multi-branch branch model. Closely comparable mid-to-large private mortgage originator.
- Movement Mortgage: Private retail mortgage lender offering FHA, VA, construction, and refinance with a branch-retail model. Peer in product mix and scale range, though larger than Capital Lending.
- Guild Mortgage: National retail mortgage lender offering government-backed (FHA/VA/USDA), construction, and conventional products with a similar multi-channel origination model.
- Caliber Home Loans (NewRez / Rocket): Major mortgage originator offering FHA, VA, construction-to-permanent, and refinance products through retail, wholesale, and consumer direct channels. Direct comparable across program breadth.
- PrimeLending: Multi-channel residential mortgage originator offering FHA, VA, construction, and refi with retail and correspondent channels. Comparable mid-to-large private originator with similar program scope.
- Network Capital Funding: Mid-sized retail and wholesale mortgage originator offering FHA, VA, conventional purchase and refinance. Comparably scaled private originator serving a similar target market.
- Plaza Home Mortgage: Wholesale and retail mortgage lender specializing in FHA, VA, and non-QM products including renovation/construction. Direct comparable given the broader government-loan orientation.
Market position
Strengths3 records
Weaknesses3 records
Competitive moat2 records
Key risks5 records
Key highlights4 records
Customer concentration
Capital Lending social profiles
Digital presenceCapital Lending financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capital Lending leadership team
Management profileNumber of profiles
Capital Lending funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capital Lending M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capital Lending
What does Capital Lending do?
Capital Lending Inc. is a privately held mortgage lender that originates and underwrites home loans, including VA loans, FHA loans, construction loans, and refinancing products. The company accepts and processes loan applications online through its website, capitallendingonline.com.
When was Capital Lending founded?
Capital Lending was founded in 2010. It employs 51 to 100 people.
Where is Capital Lending based?
Capital Lending is headquartered in Utica, United States, in the North America region.
Who are Capital Lending's main competitors?
Direct peers on record are Rocket Mortgage (Rocket Companies), loanDepot, UWM (United Wholesale Mortgage), Fairway Independent Mortgage, Movement Mortgage, Guild Mortgage, Caliber Home Loans (NewRez / Rocket), PrimeLending, Network Capital Funding and Plaza Home Mortgage.
Does Capital Lending have an API?
No public API is recorded for Capital Lending.
What industry is Capital Lending in?
Capital Lending's product category is Mortgage Lending. Its primary akta.pro industry code is FSABABAG, SME Commercial Real Estate (CRE) Lending, with a secondary code of FSANADAG, Real Estate Private Credit (CRE Debt). Its NAICS code is 52231 and its SIC code is 6162.