Capital City Bank Mortgage Rates, Fees & Info
Tallahassee, FLLEI: 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/14/24 |
| 30 Year Conventional Purchase | 6.27% | 4/14/24 |
| 30 Year Conventional Refi | 6.27% | 4/14/24 |
| 30 Year Cash-out Refi | 6.27% | 4/14/24 |
| 15 Year Conventional Purchase | 5.68% | 4/14/24 |
| 15 Year Conventional Refi | 5.68% | 4/14/24 |
| 15 Year Cash-out Refi | 5.68% | 4/14/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
475Origination Dollar Volume (All Markets)
$70,865,000Top 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 |
|---|---|---|---|---|---|
| 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% |
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.
Similarity Rank: 46
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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
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
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
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
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
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
Approval Rates
Total approvals of all applications85.87%
Capital City Bank has an average approval rate.
Pick Rate
Approvals leading to origination91.58%
Capital City Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 475 | $70,865,000 | $149,189 |