U.S. Mortgage Index

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Public institution profile · Mortgage company · Not a recommendation

MEGA CAPITAL FUNDING INC.

Also published as MEGA CAP FUND

Mortgage companyACTIVE

Primary category-specific identifier not published for this profile.

Data observedSection records may have different source dates.

Identifiers, verification, and corrections

Stable identifiers

Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.

company ID
Not published — no verified match
More identifiers
Federal Reserve
4190048
Not published — no verified match

Verification status not yet publishedVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Profile notes

This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.

Data correction

Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.

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At a glance

Institution type
Mortgage company
Status
ACTIVE
HMDA activity
Published activity year 2024
Complaint records
CFPB search status is not currently available.

What USMI publishes

Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.

Institution type
Mortgage company
Status
ACTIVE
activity
Published activity year 2024
Complaint records
CFPB search status is not currently available.

Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.

Institution identity

Mortgage company identity

Source-backed identity fields for a nondepository mortgage or financial institution. FDIC insurance and NCUA charter identifiers are not applicable to this category.

Legal name
MEGA CAPITAL FUNDING INC.
Display name
MEGA CAP FUND
Institution status
ACTIVE
Federal Reserve
4190048

What this profile is not

  • Not a lender recommendation or ranking.
  • Not a mortgage rate sheet or quote.
  • Not an underwriting, approval, or eligibility decision.
  • Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
  • Not a complaint-resolution channel.
  • Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.

HMDA

Mortgage activity

Reported records for the selected year. These figures are not a lender score.

7,027reported records

6,707reported originations

2024 reported mortgage activity. Source: HMDA.

HMDA2024The year selector below shows each published activity year.

Ask about this activity

activity

Mortgage activity reported in HMDA. Public HMDA records are available for 2019–2024.

Geographynationwide

HMDA source observed2026-08-18

HMDA records

7,027

2024

Loan originations

6,707

2024

Denials

18

2024

Withdrawals

1

2024

Denial rate among decisioned applications

0.3%

2024

Annual history

Scroll sideways to review every HMDA column.

Annual HMDA activity history
YearHMDA recordsOriginationsApproved but not acceptedDenialsWithdrawalsDenial rate
20247,0276,7072721810.3%
20223,3682,1878783370.1%
20218,6276,5871,6927420.1%
202014,58511,1882,332285680.2%
20195,5104,17699935590.7%

Detailed activity

Loan type and purpose

Loan type and purpose breakdown for 2024
CategoryHMDA records
Conventional5,325
FHA1,414
VA276
RHS / FSA12
Home purchase5,562
Home improvement0
Refinancing579
Cash-out refinancing886

State reporting

40 states / territories reported

How to read these figures

HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.

CFPB

CFPB consumer submissions

Complaints are consumer submissions and are not findings of wrongdoing.

CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.

Ask about these complaints

CFPB Mortgage Complaint Activity

Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.

Total CFPB mortgage complaint records

27

Coverage start

December 1, 2012

Data through

August 20, 2026

Annual activity

CFPB mortgage complaint records by year
YearComplaint records
20181
20214
20225
20232
20241
20255
20269

Leading issues

  1. Trouble during payment process

    None

    7

  2. Trouble during payment process

    Escrow, taxes, or insurance

    5

  3. Trouble during payment process

    Trying to communicate with the company to fix an issue while managing or servicing your loan

    5

  4. Applying for a mortgage or refinancing an existing mortgage

    None

    2

  5. Closing on a mortgage

    None

    2

View all issues (11)

  1. Applying for a mortgage or refinancing an existing mortgage

    Application denials

    1

  2. Closing on a mortgage

    Changes in loan terms during or after closing

    1

  3. Problem with a company's investigation into an existing problem

    Their investigation did not fix an error on your report

    1

  4. Struggling to pay mortgage

    None

    1

  5. Struggling to pay mortgage

    Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

    1

  6. Trouble during payment process

    Payment process

    1

States

  1. California

    18

  2. Texas

    4

  3. Florida

    3

  4. Michigan

    1

  5. South Carolina

    1

Company response

  1. Closed with explanation

    25

  2. Closed with monetary relief

    1

  3. In progress

    1

Timely response

Timely-response figures are a count distribution as reported to CFPB, not a score.

  1. Yes

    27

How to read these figures

Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing. CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. U.S. Mortgage Index does not treat complaint allegations as independently verified facts.

Read the methodology

Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.

Data not published for this profile. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.

No published branch result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.

History

Institution history

Events are listed by date. The source event type is kept with the record.

HistoryEvent dates come from the source row. The observed date is when USMI reviewed the file.

Ask about this history

No published institution history result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.

SourcesEach source keeps its own observed date. Dates are not combined into one profile date.

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Sources & methodology

Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.

No published source link is attached to this profile yet. That does not establish that no official record exists.

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