Capital City Bank Mortgage Rates, Fees & Info
Tallahassee, FLLEI: 2549004EXIAAMK5CLH54
Tax ID: 59-3277398
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Capital City Bank is a smaller bank specializing in Home Improvement and Refi loans. Capital City Bank has an average proportion of conventional loans. Their top markets by origination volume include: Tallahassee, Atlanta, Tampa, Gainesville, and Crestview among others. We have data for 28 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 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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 4/27/25 |
| 30 Year Conventional Purchase | 6.72% | 4/27/25 |
| 30 Year Conventional Refi | 6.72% | 4/27/25 |
| 15 Year Conventional Purchase | 6.00% | 4/27/25 |
| 15 Year Conventional Refi | 9.50% | 4/27/25 |
| 15 Year Cash-out Refi | 9.50% | 4/27/25 |
| 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
468Origination Dollar Volume (All Markets)
$80,270,000Top 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 |
|---|---|---|---|---|---|
| TALLAHASSEE, FL (FHA|USDA|VA) | 95 | $14,445,000 | $152,053 | $0 | 7.08% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 62 | $12,150,000 | $195,968 | $0 | 6.86% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 47 | $9,675,000 | $205,851 | $0 | 7.37% |
| GAINESVILLE, FL (FHA|USDA|VA) | 59 | $7,365,000 | $124,831 | $0 | 7.20% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 10 | $7,350,000 | $735,000 | $0 | 7.27% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 37 | $5,815,000 | $157,162 | $0 | 7.35% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 27 | $5,285,000 | $195,741 | $0 | 7.05% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 30 | $5,070,000 | $169,000 | $0 | 7.42% |
| Outside of Metro Areas | 38 | $4,200,000 | $110,526 | $0 | 6.90% |
| PANAMA CITY, FL (FHA|USDA|VA) | 9 | $1,895,000 | $210,556 | $0 | 6.75% |
| LaGrange, GA-AL (FHA|USDA|VA) | 15 | $1,665,000 | $111,000 | $0 | 7.89% |
| Palatka, FL (FHA|USDA|VA) | 10 | $1,020,000 | $102,000 | $0 | 7.24% |
| OCALA, FL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $0 | 6.99% |
| Dublin, GA (FHA|USDA|VA) | 6 | $630,000 | $105,000 | $0 | 6.91% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $0 | 7.31% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 8.00% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 7.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 6.99% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 9.50% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 6.99% |
| Thomasville, GA (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $0 | 6.66% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 6.99% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 5.99% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 7.50% |
| Lake City, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 6.99% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.99% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.99% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 6.99% |
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: 80
Similarity Rank: 144
Similarity Rank: 156
Similarity Rank: 180
Similarity Rank: 305
Similarity Rank: 540
Similarity Rank: 572
Similarity Rank: 736
Similarity Rank: 784
Similarity Rank: 792
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 419 | $60,995,000 | $145,573 | n/a | 7.03% |
| Conventional | 49 | $19,275,000 | $393,367 | $0 | 8.20% |
For 2024, Capital City Bank's most frequently originated type of loan was HELOC, with 419 originations. Their 2nd most popular type was Conventional, with 49 originations.
Loan Reason
For 2024, Capital City Bank's most frequently cited loan purpose was Home Improvement, with 243 originations. The 2nd most popular reason was Other, with 111 originations.
Loan Duration/Length
For 2024, Capital City Bank's most frequently cited loan duration was 20 Year, with 423 originations. The 2nd most popular length was Other, with 23 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 337 | $46,215,000 | $137,136 |
| 5-6% | 52 | $8,000,000 | $153,846 |
| Over 8% | 50 | $17,030,000 | $340,600 |
| 7-8% | 29 | $9,025,000 | $311,207 |
During 2024, Capital City Bank's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 6-7%, with 337 originations.
Loan Sizing
2024 saw Capital City Bank place emphasis on $100,000 or less loans with 204 originations, totaling $11,440,000 in origination value.
Applicant Income
Capital City Bank lent most frequently to those with incomes in the $100k-150k range, with 101 originations. The second most popular income band? $150k-250k, with 85 originations.
Applicant Debt to Income Ratio
Capital City Bank lent most frequently to those with DTI ratios of 20-30%, with 91 originations. The next most common DTI ratio? <20%, with 62 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications77.79%
Capital City Bank has a below average approval rate.
Pick Rate
Approvals leading to origination88.89%
Capital City Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 468 | $80,270,000 | $171,517 |