Capital City Bank Mortgage Rates, Fees & Info

Tallahassee, FL

LEI: 2549004EXIAAMK5CLH54

Tax ID: 59-3277398

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Mortgage Data

Review & Overview

Capital City Bank is a smaller bank specializing in Home Improvement and Other loans. Capital City Bank has an average proportion of conventional loans. Their top markets by origination volume include: Atlanta, Tallahassee, Gainesville, Macon, and Tampa among others. We have data for 26 markets. (Some data included below & more in-depth data is available with an active subscription.)

Capital City Bank has an average approval rate when compared to the average across all lenders. They have an 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 12/9/24
30 Year Conventional Purchase 6.27% 12/9/24
30 Year Conventional Refi 6.27% 12/9/24
30 Year Cash-out Refi 6.27% 12/9/24
15 Year Conventional Purchase 5.68% 12/9/24
15 Year Conventional Refi 5.68% 12/9/24
15 Year Cash-out Refi 5.68% 12/9/24
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 City Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from Capital City Bank. 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

475

Origination Dollar Volume (All Markets)

$70,865,000

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
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 56 $12,300,000 $219,643 $0 5.17%
TALLAHASSEE, FL (FHA|USDA|VA) 95 $10,475,000 $110,263 $0 5.27%
GAINESVILLE, FL (FHA|USDA|VA) 64 $8,420,000 $131,563 $0 5.34%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 52 $7,920,000 $152,308 $0 5.87%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 58 $7,100,000 $122,414 $0 5.15%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 22 $6,410,000 $291,364 $0 4.74%
Outside of Metro Areas 51 $5,855,000 $114,804 $0 4.99%
JACKSONVILLE, FL (FHA|USDA|VA) 19 $2,505,000 $131,842 $0 4.99%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $2,060,000 $343,333 $0 4.49%
Palatka, FL (FHA|USDA|VA) 10 $1,330,000 $133,000 $0 5.63%
PANAMA CITY, FL (FHA|USDA|VA) 4 $1,210,000 $302,500 $0 4.81%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $865,000 $865,000 $0 6.95%
LaGrange, GA-AL (FHA|USDA|VA) 8 $700,000 $87,500 $0 5.12%
Lake City, FL (FHA|USDA|VA) 3 $625,000 $208,333 $0 5.29%
Dublin, GA (FHA|USDA|VA) 5 $585,000 $117,000 $0 6.08%
BRUNSWICK, GA (FHA|USDA|VA) 2 $420,000 $210,000 $0 7.37%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $325,000 $108,333 $0 5.86%
OCALA, FL (FHA|USDA|VA) 3 $315,000 $105,000 $0 4.58%
THE VILLAGES, FL (FHA|USDA|VA) 2 $250,000 $125,000 $0 4.49%
GAINESVILLE, GA (FHA|USDA|VA) 2 $250,000 $125,000 $0 4.49%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $225,000 $225,000 $0 6.75%
Jefferson, GA (FHA|USDA|VA) 3 $215,000 $71,667 $0 3.99%
Americus, GA (FHA|USDA|VA) 2 $180,000 $90,000 $0 7.18%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $135,000 $135,000 $0 2.99%
Milledgeville, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.99%
Calhoun, GA (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.99%
Capital City Bank's top markets include Atlanta, Tallahassee, Gainesville, Macon, and Tampa among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Capital City Bank 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
    HELOC 425 $56,845,000 $133,753 n/a 5.02%
    Conventional 50 $14,020,000 $280,400 $0 7.27%

    For 2023, Capital City Bank's most frequently originated type of loan was HELOC, with 425 originations. Their 2nd most popular type was Conventional, with 50 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 206 $25,090,000 $121,796 $0 5.00%
    Other 181 $23,865,000 $131,851 $0 4.95%
    Refi 49 $12,405,000 $253,163 $0 5.92%
    Home Purchase 38 $9,440,000 $248,421 $0 7.20%
    Cash Out Refi 1 $65,000 $65,000 $0 7.75%

    For 2023, Capital City Bank's most frequently cited loan purpose was Home Improvement, with 206 originations. The 2nd most popular reason was Other, with 181 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 444 $63,810,000 $143,716 $0 5.10%
    15 Year 15 $5,165,000 $344,333 $0 7.27%
    Other 9 $1,315,000 $146,111 $0 8.33%
    10 Year 4 $300,000 $75,000 $0 7.03%
    1 Year 2 $240,000 $120,000 $0 7.00%
    5 Year 1 $35,000 $35,000 $0 7.10%

    For 2023, Capital City Bank's most frequently cited loan duration was 20 Year, with 444 originations. The 2nd most popular length was 15 Year, with 15 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 253 $34,095,000 $134,763
    2.5-3% 153 $19,305,000 $126,176
    7-8% 35 $7,005,000 $200,143
    6-7% 19 $8,055,000 $423,947
    Over 8% 15 $2,405,000 $160,333

    During 2023, Capital City Bank's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 5-6%, with 253 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 226 $11,680,000 $51,681 $0 5.07%
    $100k-200k 128 $17,390,000 $135,859 $0 5.45%
    $200k-400k 97 $24,995,000 $257,680 $0 5.26%
    $400k-600k 16 $7,700,000 $481,250 $0 5.77%
    $600k-1MM 6 $4,660,000 $776,667 $0 6.45%
    $1MM+ 2 $4,440,000 $2,220,000 $0 6.70%

    2023 saw Capital City Bank place emphasis on $100,000 or less loans with 226 originations, totaling $11,680,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 85 $10,645,000 $125,235 $0 4.86%
    $250k+ 80 $21,190,000 $264,875 $0 5.14%
    $150k-250k 79 $12,345,000 $156,266 $0 4.93%
    $75k-100k 69 $5,785,000 $83,841 $0 4.77%
    $50k-75k 66 $4,880,000 $73,939 $0 5.06%
    $50k or less 45 $2,395,000 $53,222 $0 5.52%

    Capital City Bank lent most frequently to those with incomes in the $100k-150k range, with 85 originations. The second most popular income band? $250k+, with 80 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 111 $14,805,000 $133,378 $0 4.84%
    30-36% 65 $8,355,000 $128,538 $0 4.78%
    44% 57 $7,495,000 $131,491 $0 5.11%
    <20% 56 $8,320,000 $148,571 $0 4.94%
    43% 25 $3,615,000 $144,600 $0 5.15%
    41% 18 $2,060,000 $114,444 $0 4.99%
    42% 16 $2,150,000 $134,375 $0 4.87%
    36% 16 $2,260,000 $141,250 $0 5.01%
    40% 12 $1,250,000 $104,167 $0 5.24%
    39% 11 $1,445,000 $131,364 $0 4.63%
    37% 10 $1,290,000 $129,000 $0 5.04%
    38% 8 $870,000 $108,750 $0 5.93%
    >60% 5 $895,000 $179,000 $0 6.59%
    45% 3 $165,000 $55,000 $0 5.99%
    47% 3 $435,000 $145,000 $0 4.99%
    50-60% 3 $695,000 $231,667 $0 4.99%

    Capital City Bank lent most frequently to those with DTI ratios of 20-30%, with 111 originations. The next most common DTI ratio? 30-36%, with 65 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 368 $48,710,000 $132,364 $0 5.04%
    Not applicable 48 $13,450,000 $280,208 $0 7.43%
    Not provided 26 $4,030,000 $155,000 $0 4.72%
    Black 20 $2,330,000 $116,500 $0 4.95%
    Asian 10 $1,960,000 $196,000 $0 4.79%
    Chinese 1 $205,000 $205,000 $0 5.99%
    Native Hawaiian or Islander 1 $105,000 $105,000 $0 5.99%
    American Indian 1 $75,000 $75,000 $0 5.99%

    Approval Rates

    Total approvals of all applications
    85.87%

    Capital City Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.58%

    Capital City Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 475 $70,865,000 $149,189

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    475 $70,865,000 $149,189

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 152 $20,140,000 $132,500 $0 5.07%
    40-60% 69 $17,285,000 $250,507 $0 5.57%
    60-80% 74 $12,930,000 $174,730 $0 6.01%
    80-100% 29 $5,575,000 $192,241 $0 5.55%
    Over 100% 1 $3,105,000 $3,105,000 $0 6.45%
    Under 20% 150 $11,830,000 $78,867 $0 4.87%