Name of the lender

Foote Capital Mortgage CompanyMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: Carlisle, PA
Reporting agency: Consumer Financial Protection Bureau (CFPB)
Legal Entity Identifier (LEI)

Figures by state (CSV)

Foote Capital Mortgage Company reported 116 mortgage applications in the HMDA data of 2025.

It originated 98 loans in 2025, for $26.7 million in total.

The median interest rate of its loans in 2025 was 6.500%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $6,347, and the national median was $6,413.

It denied 12.5% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Foote Capital Mortgage Company, 2025
Figure	This lender	United States
Applications	116Under 0.1% of the US total	11,766,671
Loans originated	98$26.7 million	6,827,891
Median interest rate	6.500%	6.375%
Median total loan costs	$6,347	$6,413
Denial rate	12.5%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of Foote Capital Mortgage Company by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	98	6.500%US 6.375%	$6,347US $6,413	0.138US 0.161
Conventional	86	6.500%US 6.500%	$6,147US $5,393	0.127US 0.175

Interest rate and total loan costs of Foote Capital Mortgage Company by loan purpose, 2025Medians, with the national median under each value.
Loan purpose	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
Home purchase	91	6.500%US 6.500%	$6,183US $6,632	0.137US 0.169

Parts of the total loan costs of Foote Capital Mortgage Company by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$3,239US $2,062	$2,280US $2,823	n/aUS $567
Conventional	$3,239US $1,981	$2,231US $2,588	n/aUS $604

The median rate spread of these loans was 0.138 percentage points above the average prime offer rate (APOR). On a loan of $300,000, that is about $414 more a year, or $35 more a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: Foote Capital Mortgage Company and the United States

Foote Capital Mortgage CompanyUnited States

Action takenHMDA codes and labels

Records of Foote Capital Mortgage Company by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	98	83.1%	50.4%
2Application approved but not accepted	0	0.0%	3.1%
3Application denied	14	11.9%	15.6%
4Application withdrawn by applicant	4	3.4%	12.6%
5File closed for incompleteness	0	0.0%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	1	0.8%	0.4%
8Preapproval request approved but not accepted	1	0.8%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

The lender has fewer than 25 denials in 2025, so this page shows no reasons.

Loan types and purposesLoans of 2025

Applications of Foote Capital Mortgage Company by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	100	86	11.3%US 23.4%
FHA-insured	8	6	n/aUS 21.8%
VA-guaranteed	8	6	n/aUS 16.2%

Applications of Foote Capital Mortgage Company by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	108	91	92.9%
Home improvement	0	0	0.0%
Refinancing	4	3	3.1%
Cash-out refinancing	4	4	4.1%
Other purpose	0	0	0.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends1 state with 25 applications or more

Foote Capital Mortgage Company by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
Pennsylvania	114	97	6.500%	$6,422	11.8%

Counties of Foote Capital Mortgage Company with 50 applications or more, 2025In order of the names. The list has the 1 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Cumberland County, PA	71	62	$17.6 million	8.8%

Figures by yearHMDA 2022 to 2025

Foote Capital Mortgage Company by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	116	98	6.500%	$6,347	12.5%	118
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	78	66	6.625%	$6,812	10.8%	83
2022	115	101	5.375%	$5,514	5.6%	116
2021	n/a	n/a	n/a	n/a	n/a	332
2020	n/a	n/a	n/a	n/a	n/a	343
2019	n/a	n/a	n/a	n/a	n/a	151
2018	n/a	n/a	n/a	n/a	n/a	142

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Foote Capital Mortgage Company and the United States

Foote Capital Mortgage CompanyUnited States

VA lender statisticsLoans that VA guaranteed, by month

VA-guaranteed loans of FOOTE CAPITAL MORTGAGE COMPANY, Sep 2025 to Aug 2026National figures from the Department of Veterans Affairs. VA counts a loan in the month of the guarantee.
Month	All	Purchase	IRRRL
August 2026	0	0	0
July 2026	0	0	0
June 2026	1	1	0
May 2026	2	1	1
April 2026	0	0	0
March 2026	0	0	0
February 2026	0	0	0
January 2026	0	0	0
December 2025	1	1	0
November 2025	1	1	0
October 2025	0	0	0
September 2025	1	1	0

IRRRL is the VA Interest Rate Reduction Refinance Loan. The VA name of the lender is "FOOTE CAPITAL MORTGAGE COMPANY". Every month.

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

ARC Federal Credit UnionAltoona, PA
Brentwood BankBethel Park, PA
Choice One Community FCUWilkes Barre, PA
Chrome Federal Credit UnionWashington, PA
Frick Financial FCUUniontown, PA
Horizon Federal Credit UnionWilliamsport, PA
IRCO Community Federal Credit UnionPhillipsburg, NJ
Lehigh Valley Educators Credit UnionAllentown, PA
Marion Center BankIndiana, PA
New Cumberland Federal Credit UnionNew Cumberland, PA
Omega Federal Credit UnionPittsburgh, PA
West Aircomm Federal Credit UnionBeaver, PA

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Foote Capital Mortgage Company mortgage rates, 2025", https://lenderregister.com/lender/549300a6nf3mqmohkj20-foote-capital-mortgage-company/
Lender: Foote Capital Mortgage Company, LEI 549300A6NF3MQMOHKJ20
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2018 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI. The VA figures are from the VA lender statistics.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Foote Capital Mortgage Company buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
In which states did Foote Capital Mortgage Company originate the most loans in 2025?: It had 25 applications or more in one state only: Pennsylvania, with 97 loans originated.
Which loan types did Foote Capital Mortgage Company originate in 2025?: 86 conventional, 6 FHA and 6 VA.
How did the applications of Foote Capital Mortgage Company change from 2022 to 2025?: It reported 115 applications in 2022 and 116 in 2025.