Capgrow Home Mortgage Rates, Fees & Info
Chesterfield, MOLEI: 254900213F9YWHNVOO69
Tax ID: 20-4515212
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Mortgage Data
Review & Overview
Capgrow Home Mortgage is a smaller mortgage company specializing in Refi and Cash Out Refi loans. Capgrow Home Mortgage 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: St. Louis, Kansas City, Jefferson City, Kirksville, and Farmington among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)Capgrow Home Mortgage has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Capgrow Home Mortgage is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
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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Originations
339Origination Dollar Volume (All Markets)
$80,575,000Awards
CapGrow Home Mortgage - 2021
CapGrow Home Mortgage is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 326 | $77,650,000 | $238,190 | $1,791 | 2.93% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $1,851 | 3.22% |
| Outside of Metro Areas | 5 | $975,000 | $195,000 | $1,955 | 2.90% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,280 | 3.13% |
| Kirksville, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,438 | 2.88% |
| Farmington, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,522 | 3.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against CapGrow Home Mortgage based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 336 | $80,030,000 | $238,185 | $1,788 | 2.93% |
| FHA | 3 | $545,000 | $181,667 | $2,456 | 2.63% |
For 2021, Capgrow Home Mortgage's most frequently originated type of loan was Conventional, with 336 originations. Their 2nd most popular type was FHA, with 3 originations.
Loan Reason
For 2021, Capgrow Home Mortgage's most frequently cited loan purpose was Refi, with 219 originations. The 2nd most popular reason was Cash Out Refi, with 73 originations.
Loan Duration/Length
For 2021, Capgrow Home Mortgage's most frequently cited loan duration was 30 Year, with 200 originations. The 2nd most popular length was 15 Year, with 81 originations.
Origination Fees/Closing Costs
Capgrow Home Mortgage's average total fees were $1,916, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 302 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 167 | $41,945,000 | $251,168 |
| 3-4% | 123 | $28,465,000 | $231,423 |
| <2.5% | 46 | $9,720,000 | $211,304 |
| 4-5% | 3 | $445,000 | $148,333 |
During 2021, Capgrow Home Mortgage's average interest rate for loans was 3.07%, while their most frequently originated rate bucket for loans was 2.5-3%, with 167 originations.
Loan Sizing
2021 saw Capgrow Home Mortgage place emphasis on $100k-200k loans with 153 originations, totaling $23,725,000 in origination value.
Applicant Income
Capgrow Home Mortgage lent most frequently to those with incomes in the $100k-150k range, with 108 originations. The second most popular income band? $50k-75k, with 79 originations.
Applicant Debt to Income Ratio
Capgrow Home Mortgage lent most frequently to those with DTI ratios of 20-30%, with 116 originations. The next most common DTI ratio? 30-36%, with 64 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
Capgrow Home Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination95.28%
Capgrow Home Mortgage has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 339 | $80,575,000 | $237,684 |