Capital One Mortgage Rates, Fees & Info
McLean, VALEI: 207ALC1P1YM0OVDV0K75
Tax ID: 72-0210640
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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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.27% | 12/1/23 |
| 15 Year Conventional Purchase | 5.68% | 12/1/23 |
| 15 Year Conventional Refi | 5.68% | 12/1/23 |
| 15 Year Cash-out Refi | 5.68% | 12/1/23 |
| 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. | ||
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
414Origination Dollar Volume (All Markets)
$8,893,190,000Top 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% |
Product Mix
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
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
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
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 applications99.38%
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 origination85.99%
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 |