Capital One Mortgage Rates, Fees & Info

McLean, VA

LEI: 207ALC1P1YM0OVDV0K75

Tax ID: 72-0210640

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Capital One is a large mortgage company specializing in Refi and Home Purchase loans. Capital One has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Dallas, Houston, Los Angeles, Atlanta, and San Antonio among others. We have data for 140 markets. (Some data included below & more in-depth data is available with an active subscription.)

Capital One has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.27% 3/17/24
15 Year Conventional Purchase 5.68% 3/17/24
15 Year Conventional Refi 5.68% 3/17/24
15 Year Cash-out Refi 5.68% 3/17/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Capital One Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Capital One. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

414

Origination Dollar Volume (All Markets)

$8,893,190,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 26 $797,170,000 $30,660,385 $0 0.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 23 $520,455,000 $22,628,478 $0 5.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 23 $510,475,000 $22,194,565 $0 0.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 11 $376,605,000 $34,236,818 $0 0.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $324,550,000 $54,091,667 $0 0.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 7 $301,015,000 $43,002,143 $0 0.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 19 $293,515,000 $15,448,158 $0 0.00%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 10 $271,720,000 $27,172,000 $0 0.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $250,005,000 $250,005,000 $0 0.00%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 10 $230,670,000 $23,067,000 $0 0.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 13 $209,525,000 $16,117,308 $0 0.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 5 $195,495,000 $39,099,000 $0 0.00%
KANSAS CITY, MO-KS (FHA|USDA|VA) 6 $187,250,000 $31,208,333 $0 0.00%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $164,190,000 $82,095,000 $0 0.00%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 7 $162,395,000 $23,199,286 $0 0.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 9 $158,745,000 $17,638,333 $0 0.00%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4 $155,820,000 $38,955,000 $0 0.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 3 $136,865,000 $45,621,667 $0 0.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 9 $135,335,000 $15,037,222 $0 0.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $130,220,000 $65,110,000 $0 0.00%
RICHMOND, VA (FHA|USDA|VA) 4 $123,930,000 $30,982,500 $0 0.00%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $118,785,000 $39,595,000 $0 0.00%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 8 $116,090,000 $14,511,250 $0 0.00%
BATON ROUGE, LA (FHA|USDA|VA) 5 $113,745,000 $22,749,000 $0 0.00%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $113,085,000 $37,695,000 $0 0.00%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $104,115,000 $104,115,000 $0 0.00%
COLUMBUS, OH (FHA|USDA|VA) 4 $103,450,000 $25,862,500 $0 0.00%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $101,290,000 $25,322,500 $0 0.00%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $81,010,000 $40,505,000 $0 0.00%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $77,325,000 $77,325,000 $0 0.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 4 $68,380,000 $17,095,000 $0 0.00%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $61,595,000 $61,595,000 $0 0.00%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $61,130,000 $30,565,000 $0 0.00%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $60,090,000 $30,045,000 $0 0.00%
AKRON, OH (FHA|USDA|VA) 4 $59,660,000 $14,915,000 $0 0.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $54,845,000 $18,281,667 $0 0.00%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $54,610,000 $27,305,000 $0 0.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $54,320,000 $27,160,000 $0 0.00%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $54,155,000 $18,051,667 $0 0.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $53,535,000 $53,535,000 $0 0.00%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $53,225,000 $53,225,000 $0 0.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 8 $53,170,000 $6,646,250 $0 4.50%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $52,965,000 $17,655,000 $0 0.00%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $50,130,000 $25,065,000 $0 0.00%
DULUTH, MN-WI (FHA|USDA|VA) 1 $47,895,000 $47,895,000 $0 0.00%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $45,670,000 $11,417,500 $0 0.00%
KNOXVILLE, TN (FHA|USDA|VA) 2 $41,100,000 $20,550,000 $0 0.00%
Sevierville, TN (FHA|USDA|VA) 1 $40,045,000 $40,045,000 $0 0.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $39,980,000 $19,990,000 $0 0.00%
ANN ARBOR, MI (FHA|USDA|VA) 1 $36,905,000 $36,905,000 $0 0.00%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $35,755,000 $35,755,000 $0 0.00%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $33,005,000 $33,005,000 $0 0.00%
LOUISVILLE, KY (FHA|USDA|VA) 2 $32,790,000 $16,395,000 $0 0.00%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $32,695,000 $32,695,000 $0 0.00%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $31,835,000 $6,367,000 $0 0.00%
LUBBOCK, TX (FHA|USDA|VA) 2 $31,400,000 $15,700,000 $0 0.00%
ASHEVILLE, NC (FHA|USDA|VA) 1 $31,365,000 $31,365,000 $0 0.00%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $30,210,000 $15,105,000 $0 0.00%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $29,145,000 $29,145,000 $0 0.00%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $27,350,000 $13,675,000 $0 0.00%
HINESVILLE, GA (FHA|USDA|VA) 1 $27,015,000 $27,015,000 $0 0.00%
FORT WAYNE, IN (FHA|USDA|VA) 1 $25,155,000 $25,155,000 $0 0.00%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 4 $25,000,000 $6,250,000 $0 0.00%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 5 $24,905,000 $4,981,000 $0 0.00%
BINGHAMTON, NY (FHA|USDA|VA) 1 $24,775,000 $24,775,000 $0 0.00%
JACKSONVILLE, FL (FHA|USDA|VA) 4 $23,840,000 $5,960,000 $0 0.00%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $22,995,000 $22,995,000 $0 0.00%
PITTSBURGH, PA (FHA|USDA|VA) 3 $22,745,000 $7,581,667 $0 0.00%
COLUMBIA, SC (FHA|USDA|VA) 2 $22,720,000 $11,360,000 $0 0.00%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $22,485,000 $22,485,000 $0 0.00%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $22,325,000 $22,325,000 $0 0.00%
READING, PA (FHA|USDA|VA) 2 $21,340,000 $10,670,000 $0 0.00%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $20,445,000 $20,445,000 $0 0.00%
Outside of Metro Areas 4 $20,260,000 $5,065,000 $0 0.00%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $19,640,000 $9,820,000 $0 0.00%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $19,505,000 $19,505,000 $0 0.00%
SAVANNAH, GA (FHA|USDA|VA) 1 $19,415,000 $19,415,000 $0 0.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $18,755,000 $6,251,667 $0 0.00%
MONTGOMERY, AL (FHA|USDA|VA) 3 $18,065,000 $6,021,667 $0 0.00%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 5 $17,485,000 $3,497,000 $0 0.00%
CARSON CITY, NV (FHA|USDA|VA) 2 $17,450,000 $8,725,000 $0 0.00%
BOULDER, CO (FHA|USDA|VA) 1 $17,305,000 $17,305,000 $0 0.00%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $17,160,000 $8,580,000 $0 0.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $17,005,000 $17,005,000 $0 0.00%
WICHITA, KS (FHA|USDA|VA) 1 $17,005,000 $17,005,000 $0 0.00%
DOTHAN, AL (FHA|USDA|VA) 1 $16,745,000 $16,745,000 $0 0.00%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $15,160,000 $7,580,000 $0 0.00%
Kerrville, TX (FHA|USDA|VA) 1 $14,305,000 $14,305,000 $0 0.00%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $14,255,000 $14,255,000 $0 0.00%
MIDLAND, TX (FHA|USDA|VA) 1 $14,075,000 $14,075,000 $0 0.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $13,805,000 $13,805,000 $0 0.00%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $13,785,000 $13,785,000 $0 0.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $13,665,000 $13,665,000 $0 0.00%
YUBA CITY, CA (FHA|USDA|VA) 2 $13,540,000 $6,770,000 $0 0.00%
ROCHESTER, NY (FHA|USDA|VA) 1 $13,355,000 $13,355,000 $0 0.00%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $13,005,000 $13,005,000 $0 0.00%
VALDOSTA, GA (FHA|USDA|VA) 1 $12,825,000 $12,825,000 $0 0.00%
BRUNSWICK, GA (FHA|USDA|VA) 1 $12,815,000 $12,815,000 $0 0.00%
Searcy, AR (FHA|USDA|VA) 1 $12,325,000 $12,325,000 $0 0.00%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $11,185,000 $11,185,000 $0 0.00%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $11,120,000 $5,560,000 $0 0.00%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $10,955,000 $10,955,000 $0 0.00%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $10,825,000 $10,825,000 $0 0.00%
JACKSON, TN (FHA|USDA|VA) 2 $10,400,000 $5,200,000 $0 0.00%
Roseburg, OR (FHA|USDA|VA) 2 $10,310,000 $5,155,000 $0 0.00%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $10,005,000 $10,005,000 $0 0.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $9,270,000 $4,635,000 $0 0.00%
JONESBORO, AR (FHA|USDA|VA) 1 $9,005,000 $9,005,000 $0 0.00%
Branson, MO (FHA|USDA|VA) 2 $8,760,000 $4,380,000 $0 0.00%
FLINT, MI (FHA|USDA|VA) 1 $8,635,000 $8,635,000 $0 0.00%
STOCKTON, CA (FHA|USDA|VA) 2 $8,280,000 $4,140,000 $0 0.00%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $7,995,000 $7,995,000 $0 0.00%
Forrest City, AR (FHA|USDA|VA) 1 $7,805,000 $7,805,000 $0 0.00%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $7,415,000 $7,415,000 $0 0.00%
COLUMBUS, IN (FHA|USDA|VA) 1 $7,335,000 $7,335,000 $0 0.00%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $7,085,000 $7,085,000 $0 0.00%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $7,055,000 $7,055,000 $0 0.00%
BELLINGHAM, WA (FHA|USDA|VA) 1 $6,785,000 $6,785,000 $0 0.00%
Marshalltown, IA (FHA|USDA|VA) 1 $6,355,000 $6,355,000 $0 0.00%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $6,135,000 $6,135,000 $0 0.00%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $5,855,000 $5,855,000 $0 0.00%
GADSDEN, AL (FHA|USDA|VA) 1 $5,515,000 $5,515,000 $0 0.00%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $5,105,000 $5,105,000 $0 0.00%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $5,035,000 $5,035,000 $0 0.00%
Nacogdoches, TX (FHA|USDA|VA) 1 $4,215,000 $4,215,000 $0 0.00%
MEDFORD, OR (FHA|USDA|VA) 1 $4,035,000 $4,035,000 $0 0.00%
LANCASTER, PA (FHA|USDA|VA) 1 $3,705,000 $3,705,000 $0 0.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $3,445,000 $3,445,000 $0 0.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $3,425,000 $3,425,000 $0 0.00%
MORRISTOWN, TN (FHA|USDA|VA) 1 $3,405,000 $3,405,000 $0 0.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $3,135,000 $3,135,000 $0 0.00%
New Ulm, MN (FHA|USDA|VA) 1 $3,075,000 $3,075,000 $0 0.00%
Laramie, WY (FHA|USDA|VA) 1 $3,035,000 $3,035,000 $0 0.00%
The Dalles, OR (FHA|USDA|VA) 1 $3,025,000 $3,025,000 $0 0.00%
MODESTO, CA (FHA|USDA|VA) 1 $2,615,000 $2,615,000 $0 0.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $2,375,000 $2,375,000 $0 0.00%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $2,055,000 $2,055,000 $0 0.00%
SALEM, OR (FHA|USDA|VA) 1 $2,045,000 $2,045,000 $0 0.00%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $1,665,000 $1,665,000 $0 0.00%
Sandusky, OH (FHA|USDA|VA) 1 $1,455,000 $1,455,000 $0 0.00%
Capital One's top markets include Dallas, Houston, Los Angeles, Atlanta, and San Antonio among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 409 $8,576,405,000 $20,969,205 $0 4.75%
    FHA 4 $66,780,000 $16,695,000 $0 0.00%
    HELOC 1 $250,005,000 $250,005,000 n/a 0.00%

    For 2022, Capital One's most frequently originated type of loan was Conventional, with 409 originations. Their 2nd most popular type was FHA, with 4 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 225 $4,828,415,000 $21,459,622 $0 4.75%
    Home Purchase 174 $3,969,560,000 $22,813,563 $0 0.00%
    Home Improvement 15 $95,215,000 $6,347,667 $0 0.00%

    For 2022, Capital One's most frequently cited loan purpose was Refi, with 225 originations. The 2nd most popular reason was Home Purchase, with 174 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 284 $6,581,970,000 $23,175,951 $0 4.75%
    Other 69 $1,401,425,000 $20,310,507 $0 0.00%
    20 Year 37 $118,285,000 $3,196,892 $0 0.00%
    3 Year 7 $491,015,000 $70,145,000 $0 0.00%
    15 Year 7 $36,275,000 $5,182,143 $0 0.00%
    5 Year 5 $159,765,000 $31,953,000 $0 0.00%
    30+ year 4 $66,780,000 $16,695,000 $0 0.00%
    1 Year 1 $37,675,000 $37,675,000 $0 0.00%

    For 2022, Capital One's most frequently cited loan duration was 10 Year, with 284 originations. The 2nd most popular length was Other, with 69 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 2 $880,000 $440,000

    During 2022, Capital One's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 4-5%, with 2 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 409 $8,890,015,000 $21,735,978 $0 0.00%
    $400k-600k 3 $1,385,000 $461,667 $0 4.75%
    $600k-1MM 2 $1,790,000 $895,000 $0 0.00%

    2022 saw Capital One place emphasis on $1MM+ loans with 409 originations, totaling $8,890,015,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 414 $8,893,190,000 $21,481,135 $0 4.75%

    Approval Rates

    Total approvals of all applications
    99.38%

    Capital One has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    85.99%

    Capital One has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 414 $8,893,190,000 $21,481,135

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    414 $8,893,190,000 $21,481,135

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 15 $63,925,000 $4,261,667 $0 5.00%
    40-60% 153 $3,473,095,000 $22,699,967 $0 4.50%
    60-80% 217 $4,411,505,000 $20,329,516 $0 0.00%
    80-100% 5 $89,465,000 $17,893,000 $0 0.00%
    Over 100% 5 $736,275,000 $147,255,000 $0 0.00%
    Under 20% 19 $118,925,000 $6,259,211 $0 0.00%