Lima One Capital Mortgage Rates, Fees & Info

Atlanta, GA

LEI: 254900FBWEZ3YUPOBN33

Tax ID: 27-2056826

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Lima One Capital is a small mortgage company specializing in Home Purchase and Cash Out Refi loans. Lima One Capital has a high proportion of conventional loans. Their top markets by origination volume include: Atlanta, Chicago, Philadelphia, New York, and Charlotte among others. We have data for 298 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Lima One Capital 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. They typically have relatively high 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.

    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
    30 Year Conventional Purchase 6.61% 11/26/22
    30 Year Conventional Refi 6.61% 11/26/22
    30 Year Cash-out Refi 6.61% 11/26/22
    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.


    Originations

    4,080

    Origination Dollar Volume (All Markets)

    $1,201,600,000

    Relative Rate

    Lima One Capital's average 30 year fixed mortgage rate was 5.18%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 2.03%.

    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) 284 $98,080,000 $345,352 $0 6.87%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 354 $81,250,000 $229,520 $0 7.43%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 223 $59,705,000 $267,735 $0 6.71%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 91 $47,535,000 $522,363 $0 6.92%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 110 $44,670,000 $406,091 $0 6.73%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 157 $30,685,000 $195,446 $0 6.10%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 21 $28,405,000 $1,352,619 $0 7.63%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 101 $25,355,000 $251,040 $0 6.06%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 42 $22,140,000 $527,143 $0 6.93%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 85 $21,265,000 $250,176 $0 6.51%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 64 $19,950,000 $311,719 $0 5.92%
    COLUMBUS, OH (FHA|USDA|VA) 75 $18,825,000 $251,000 $0 6.76%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 71 $18,725,000 $263,732 $0 5.73%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 65 $16,955,000 $260,846 $0 7.02%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 15 $16,115,000 $1,074,333 $0 6.80%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 74 $16,070,000 $217,162 $0 7.87%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 41 $15,595,000 $380,366 $0 5.79%
    Outside of Metro Areas 61 $15,525,000 $254,508 $0 6.97%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 74 $14,730,000 $199,054 $0 7.99%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 39 $14,615,000 $374,744 $0 6.56%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 56 $13,140,000 $234,643 $0 7.35%
    TULSA, OK (FHA|USDA|VA) 10 $12,820,000 $1,282,000 $0 6.46%
    COLUMBIA, SC (FHA|USDA|VA) 40 $12,630,000 $315,750 $0 6.61%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 33 $12,125,000 $367,424 $0 8.13%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 7 $11,405,000 $1,629,286 $0 6.76%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 75 $11,365,000 $151,533 $0 7.23%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 49 $11,255,000 $229,694 $0 6.64%
    WINSTON-SALEM, NC (FHA|USDA|VA) 9 $11,225,000 $1,247,222 $0 6.16%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 82 $11,210,000 $136,707 $0 6.88%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 36 $10,570,000 $293,611 $0 8.27%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $10,150,000 $5,075,000 $0 6.00%
    SPARTANBURG, SC (FHA|USDA|VA) 19 $9,435,000 $496,579 $0 6.81%
    PITTSBURGH, PA (FHA|USDA|VA) 47 $9,265,000 $197,128 $0 6.56%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 51 $9,045,000 $177,353 $0 6.99%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 10 $8,580,000 $858,000 $0 6.73%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 17 $8,455,000 $497,353 $0 6.47%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 39 $8,075,000 $207,051 $0 8.00%
    HUNTSVILLE, AL (FHA|USDA|VA) 16 $8,030,000 $501,875 $0 5.78%
    MONTGOMERY, AL (FHA|USDA|VA) 77 $7,955,000 $103,312 $0 7.34%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $7,885,000 $7,885,000 $0 5.99%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 47 $7,785,000 $165,638 $0 6.42%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 16 $7,630,000 $476,875 $0 6.59%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 49 $7,625,000 $155,612 $0 5.61%
    Kerrville, TX (FHA|USDA|VA) 1 $7,465,000 $7,465,000 $0 6.25%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 18 $7,230,000 $401,667 $0 6.19%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $7,155,000 $2,385,000 $0 6.71%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 8 $7,090,000 $886,250 $0 5.73%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 29 $6,925,000 $238,793 $0 7.72%
    FAYETTEVILLE, NC (FHA|USDA|VA) 38 $6,740,000 $177,368 $0 6.63%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 14 $6,490,000 $463,571 $0 8.12%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 19 $6,295,000 $331,316 $0 7.60%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $6,195,000 $885,000 $0 8.47%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 32 $6,130,000 $191,563 $0 8.08%
    MANSFIELD, OH (FHA|USDA|VA) 4 $5,710,000 $1,427,500 $0 6.56%
    RALEIGH-CARY, NC (FHA|USDA|VA) 25 $5,455,000 $218,200 $0 7.20%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 33 $5,215,000 $158,030 $0 8.20%
    BOISE CITY, ID (FHA|USDA|VA) 17 $5,205,000 $306,176 $0 8.25%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 12 $5,200,000 $433,333 $0 7.33%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 2 $5,090,000 $2,545,000 $0 7.75%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 21 $5,055,000 $240,714 $0 5.77%
    JACKSONVILLE, FL (FHA|USDA|VA) 25 $4,685,000 $187,400 $0 8.76%
    TOLEDO, OH (FHA|USDA|VA) 7 $4,465,000 $637,857 $0 6.05%
    RICHMOND, VA (FHA|USDA|VA) 20 $4,450,000 $222,500 $0 6.22%
    SAVANNAH, GA (FHA|USDA|VA) 19 $4,285,000 $225,526 $0 7.61%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 7 $4,265,000 $609,286 $0 7.04%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $4,205,000 $1,401,667 $0 7.50%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 16 $4,140,000 $258,750 $0 6.16%
    BATON ROUGE, LA (FHA|USDA|VA) 9 $4,125,000 $458,333 $0 7.27%
    WORCESTER, MA-CT (FHA|USDA|VA) 7 $4,045,000 $577,857 $0 6.01%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 5 $3,885,000 $777,000 $0 5.56%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 15 $3,835,000 $255,667 $0 5.32%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 25 $3,825,000 $153,000 $0 5.21%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 16 $3,820,000 $238,750 $0 7.30%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 12 $3,600,000 $300,000 $0 7.18%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 8 $3,580,000 $447,500 $0 7.00%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $3,470,000 $1,735,000 $0 5.96%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 12 $3,440,000 $286,667 $0 7.04%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $3,410,000 $426,250 $0 7.55%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 13 $3,335,000 $256,538 $0 5.78%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 26 $3,320,000 $127,692 $0 6.19%
    MOBILE, AL (FHA|USDA|VA) 8 $3,240,000 $405,000 $0 6.63%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 3 $3,225,000 $1,075,000 $0 5.39%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 13 $3,225,000 $248,077 $0 7.03%
    YORK-HANOVER, PA (FHA|USDA|VA) 39 $3,145,000 $80,641 $0 4.31%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 18 $3,120,000 $173,333 $0 5.16%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $3,115,000 $3,115,000 $0 6.50%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 15 $3,045,000 $203,000 $0 5.80%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 7 $3,015,000 $430,714 $0 5.91%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 20 $2,960,000 $148,000 $0 6.11%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 6 $2,890,000 $481,667 $0 6.88%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 6 $2,880,000 $480,000 $0 7.07%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 3 $2,805,000 $935,000 $0 7.41%
    PEORIA, IL (FHA|USDA|VA) 1 $2,695,000 $2,695,000 $0 6.99%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 4 $2,530,000 $632,500 $0 7.43%
    PROVO-OREM, UT (FHA|USDA|VA) 7 $2,505,000 $357,857 $0 8.18%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 8 $2,500,000 $312,500 $0 6.83%
    WICHITA, KS (FHA|USDA|VA) 5 $2,455,000 $491,000 $0 6.15%
    JACKSON, MS (FHA|USDA|VA) 10 $2,380,000 $238,000 $0 6.52%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 6 $2,350,000 $391,667 $0 7.81%
    ALBUQUERQUE, NM (FHA|USDA|VA) 11 $2,325,000 $211,364 $0 6.57%
    KNOXVILLE, TN (FHA|USDA|VA) 6 $2,320,000 $386,667 $0 5.15%
    OCEAN CITY, NJ (FHA|USDA|VA) 5 $2,275,000 $455,000 $0 6.92%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $2,210,000 $1,105,000 $0 8.00%
    Shelby, NC (FHA|USDA|VA) 2 $2,150,000 $1,075,000 $0 5.83%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 6 $2,120,000 $353,333 $0 7.94%
    ASHEVILLE, NC (FHA|USDA|VA) 6 $2,090,000 $348,333 $0 6.03%
    Heber, UT (FHA|USDA|VA) 1 $2,065,000 $2,065,000 $0 8.00%
    ROCHESTER, NY (FHA|USDA|VA) 12 $2,050,000 $170,833 $0 5.63%
    LIMA, OH (FHA|USDA|VA) 2 $2,030,000 $1,015,000 $0 6.36%
    COLUMBUS, GA-AL (FHA|USDA|VA) 17 $2,025,000 $119,118 $0 6.08%
    Sevierville, TN (FHA|USDA|VA) 5 $1,945,000 $389,000 $0 7.84%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 12 $1,890,000 $157,500 $0 7.45%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 12 $1,810,000 $150,833 $0 5.83%
    LUBBOCK, TX (FHA|USDA|VA) 2 $1,750,000 $875,000 $0 6.17%
    GREENVILLE, NC (FHA|USDA|VA) 17 $1,695,000 $99,706 $0 5.39%
    Zanesville, OH (FHA|USDA|VA) 2 $1,690,000 $845,000 $0 8.00%
    BURLINGTON, NC (FHA|USDA|VA) 12 $1,670,000 $139,167 $0 8.11%
    ABILENE, TX (FHA|USDA|VA) 2 $1,540,000 $770,000 $0 6.06%
    WACO, TX (FHA|USDA|VA) 4 $1,530,000 $382,500 $0 7.04%
    LAKE CHARLES, LA (FHA|USDA|VA) 8 $1,490,000 $186,250 $0 8.01%
    AKRON, OH (FHA|USDA|VA) 11 $1,485,000 $135,000 $0 6.42%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 12 $1,470,000 $122,500 $0 6.12%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 5 $1,405,000 $281,000 $0 6.87%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 10 $1,400,000 $140,000 $0 6.61%
    ELMIRA, NY (FHA|USDA|VA) 1 $1,365,000 $1,365,000 $0 5.40%
    FLORENCE, SC (FHA|USDA|VA) 9 $1,355,000 $150,556 $0 7.46%
    DECATUR, AL (FHA|USDA|VA) 7 $1,355,000 $193,571 $0 6.24%
    URBAN HONOLULU, HI (FHA|USDA|VA) 3 $1,315,000 $438,333 $0 8.08%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $1,275,000 $1,275,000 $0 7.50%
    GRAND JUNCTION, CO (FHA|USDA|VA) 5 $1,215,000 $243,000 $0 7.70%
    SUMTER, SC (FHA|USDA|VA) 5 $1,175,000 $235,000 $0 7.75%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $1,155,000 $385,000 $0 7.16%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $1,150,000 $575,000 $0 4.71%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 7 $1,145,000 $163,571 $0 6.57%
    PUNTA GORDA, FL (FHA|USDA|VA) 4 $1,140,000 $285,000 $0 8.31%
    JOHNSON CITY, TN (FHA|USDA|VA) 2 $1,110,000 $555,000 $0 7.00%
    MUNCIE, IN (FHA|USDA|VA) 3 $1,105,000 $368,333 $0 6.44%
    SALISBURY, MD-DE (FHA|USDA|VA) 4 $1,060,000 $265,000 $0 7.85%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 4 $1,040,000 $260,000 $0 6.06%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $1,040,000 $260,000 $0 6.78%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 6 $970,000 $161,667 $0 7.16%
    GREELEY, CO (FHA|USDA|VA) 1 $935,000 $935,000 $0 8.75%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 4 $920,000 $230,000 $0 6.08%
    WILMINGTON, NC (FHA|USDA|VA) 4 $890,000 $222,500 $0 7.25%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $880,000 $440,000 $0 9.13%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 9 $875,000 $97,222 $0 7.32%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 10 $850,000 $85,000 $0 6.01%
    SPRINGFIELD, MA (FHA|USDA|VA) 5 $825,000 $165,000 $0 6.99%
    Key West, FL (FHA|USDA|VA) 1 $745,000 $745,000 $0 8.50%
    Boone, NC (FHA|USDA|VA) 2 $740,000 $370,000 $0 6.31%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $725,000 $725,000 $0 4.63%
    MORRISTOWN, TN (FHA|USDA|VA) 4 $720,000 $180,000 $0 5.91%
    Toccoa, GA (FHA|USDA|VA) 1 $695,000 $695,000 $0 6.25%
    Shelbyville, TN (FHA|USDA|VA) 2 $680,000 $340,000 $0 8.25%
    ODESSA, TX (FHA|USDA|VA) 4 $660,000 $165,000 $0 6.46%
    ROCKY MOUNT, NC (FHA|USDA|VA) 4 $640,000 $160,000 $0 6.20%
    VALDOSTA, GA (FHA|USDA|VA) 6 $630,000 $105,000 $0 5.13%
    Torrington, CT (FHA|USDA|VA) 3 $625,000 $208,333 $0 9.08%
    MUSKEGON, MI (FHA|USDA|VA) 4 $620,000 $155,000 $0 5.10%
    AMARILLO, TX (FHA|USDA|VA) 1 $615,000 $615,000 $0 5.43%
    JOPLIN, MO (FHA|USDA|VA) 1 $615,000 $615,000 $0 5.00%
    Morehead City, NC (FHA|USDA|VA) 1 $605,000 $605,000 $0 9.00%
    Kapaa, HI (FHA|USDA|VA) 1 $605,000 $605,000 $0 4.38%
    Newberry, SC (FHA|USDA|VA) 5 $565,000 $113,000 $0 4.95%
    BLOOMINGTON, IN (FHA|USDA|VA) 5 $545,000 $109,000 $0 9.15%
    Outside of Metro Areas 1 $535,000 $535,000 $0 8.75%
    HAMMOND, LA (FHA|USDA|VA) 2 $510,000 $255,000 $0 9.00%
    GREEN BAY, WI (FHA|USDA|VA) 4 $500,000 $125,000 $0 8.00%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 4 $500,000 $125,000 $0 6.19%
    Huntsville, TX (FHA|USDA|VA) 1 $485,000 $485,000 $0 8.25%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $485,000 $485,000 $0 7.75%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $480,000 $120,000 $0 6.92%
    OCALA, FL (FHA|USDA|VA) 4 $480,000 $120,000 $0 9.25%
    STOCKTON, CA (FHA|USDA|VA) 1 $455,000 $455,000 $0 8.25%
    LANCASTER, PA (FHA|USDA|VA) 4 $450,000 $112,500 $0 5.43%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $445,000 $445,000 $0 8.25%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 3 $415,000 $138,333 $0 7.17%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $415,000 $415,000 $0 7.50%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 3 $395,000 $131,667 $0 6.48%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $390,000 $195,000 $0 9.75%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $385,000 $385,000 $0 9.25%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $385,000 $385,000 $0 5.68%
    Whitewater, WI (FHA|USDA|VA) 2 $380,000 $190,000 $0 6.03%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $350,000 $175,000 $0 4.96%
    BINGHAMTON, NY (FHA|USDA|VA) 2 $350,000 $175,000 $0 5.63%
    SYRACUSE, NY (FHA|USDA|VA) 3 $345,000 $115,000 $0 8.03%
    RACINE, WI (FHA|USDA|VA) 4 $340,000 $85,000 $0 6.72%
    Wilson, NC (FHA|USDA|VA) 1 $335,000 $335,000 $0 4.20%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $315,000 $315,000 $0 8.50%
    WHEELING, WV-OH (FHA|USDA|VA) 1 $315,000 $315,000 $0 8.00%
    PITTSFIELD, MA (FHA|USDA|VA) 2 $310,000 $155,000 $0 7.25%
    FORT WAYNE, IN (FHA|USDA|VA) 2 $310,000 $155,000 $0 8.25%
    Granbury, TX (FHA|USDA|VA) 1 $295,000 $295,000 $0 8.50%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $295,000 $295,000 $0 8.75%
    Vincennes, IN (FHA|USDA|VA) 2 $290,000 $145,000 $0 7.82%
    Hobbs, NM (FHA|USDA|VA) 1 $285,000 $285,000 $0 5.20%
    DOVER, DE (FHA|USDA|VA) 3 $285,000 $95,000 $0 8.02%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $285,000 $285,000 $0 9.00%
    VISALIA, CA (FHA|USDA|VA) 1 $275,000 $275,000 $0 8.50%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $270,000 $135,000 $0 7.38%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $265,000 $265,000 $0 8.50%
    COLUMBUS, IN (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.75%
    EL PASO, TX (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.55%
    ROME, GA (FHA|USDA|VA) 3 $255,000 $85,000 $0 9.75%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $250,000 $125,000 $0 6.13%
    Rockingham, NC (FHA|USDA|VA) 2 $240,000 $120,000 $0 5.40%
    Lumberton, NC (FHA|USDA|VA) 2 $230,000 $115,000 $0 6.40%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $230,000 $115,000 $0 5.49%
    Point Pleasant, WV-OH (FHA|USDA|VA) 2 $220,000 $110,000 $0 9.00%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $220,000 $110,000 $0 7.88%
    Bay City, TX (FHA|USDA|VA) 2 $220,000 $110,000 $0 6.44%
    Concord, NH (FHA|USDA|VA) 1 $215,000 $215,000 $0 9.25%
    WILLIAMSPORT, PA (FHA|USDA|VA) 2 $210,000 $105,000 $0 7.04%
    Columbus, MS (FHA|USDA|VA) 2 $210,000 $105,000 $0 8.25%
    Lawrenceburg, TN (FHA|USDA|VA) 2 $210,000 $105,000 $0 7.82%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.88%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $195,000 $195,000 $0 9.25%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $195,000 $195,000 $0 8.00%
    Washington, NC (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.63%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.38%
    Big Rapids, MI (FHA|USDA|VA) 2 $190,000 $95,000 $0 5.56%
    Madison, IN (FHA|USDA|VA) 2 $190,000 $95,000 $0 4.98%
    Jasper, AL (FHA|USDA|VA) 2 $190,000 $95,000 $0 7.25%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $185,000 $185,000 $0 9.25%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $185,000 $185,000 $0 10.00%
    Bellefontaine, OH (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.88%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.95%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $175,000 $175,000 $0 9.00%
    Aberdeen, WA (FHA|USDA|VA) 1 $175,000 $175,000 $0 9.99%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.50%
    Butte-Silver Bow, MT (FHA|USDA|VA) 2 $170,000 $85,000 $0 6.25%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 2 $170,000 $85,000 $0 7.81%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $170,000 $85,000 $0 5.38%
    MANHATTAN, KS (FHA|USDA|VA) 1 $165,000 $165,000 $0 9.75%
    Marion, OH (FHA|USDA|VA) 2 $160,000 $80,000 $0 5.66%
    Morgan City, LA (FHA|USDA|VA) 2 $160,000 $80,000 $0 5.09%
    Beaver Dam, WI (FHA|USDA|VA) 2 $160,000 $80,000 $0 6.58%
    Albertville, AL (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.75%
    ENID, OK (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.25%
    Opelousas, LA (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.75%
    Athens, TX (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.75%
    Auburn, NY (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.65%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.55%
    Orangeburg, SC (FHA|USDA|VA) 2 $150,000 $75,000 $0 5.26%
    Pottsville, PA (FHA|USDA|VA) 2 $150,000 $75,000 $0 5.39%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $145,000 $145,000 $0 8.25%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.50%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $145,000 $145,000 $0 8.25%
    Jefferson, GA (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.43%
    ROCKFORD, IL (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.75%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $135,000 $135,000 $0 8.50%
    Seneca, SC (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.34%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.65%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.25%
    TOPEKA, KS (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.25%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.88%
    BAY CITY, MI (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.88%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.50%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 2 $120,000 $60,000 $0 5.73%
    Alamogordo, NM (FHA|USDA|VA) 1 $115,000 $115,000 $0 9.00%
    Selma, AL (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.38%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.50%
    PUEBLO, CO (FHA|USDA|VA) 1 $115,000 $115,000 $0 9.50%
    BATTLE CREEK, MI (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.65%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $115,000 $115,000 $0 9.00%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.65%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.50%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.20%
    MONROE, LA (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.50%
    JACKSON, TN (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.40%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $95,000 $95,000 $0 10.25%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.40%
    Adrian, MI (FHA|USDA|VA) 1 $95,000 $95,000 $0 9.00%
    ALEXANDRIA, LA (FHA|USDA|VA) 1 $95,000 $95,000 $0 9.99%
    West Point, MS (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.88%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.70%
    READING, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.35%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $85,000 $85,000 $0 9.00%
    Indiana, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.99%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.25%
    Mount Pleasant, MI (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.20%
    KOKOMO, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 9.00%
    LAWTON, OK (FHA|USDA|VA) 1 $75,000 $75,000 $0 9.25%
    LONGVIEW, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.60%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.58%
    TERRE HAUTE, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.50%
    NEW BERN, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.63%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.25%
    Seymour, IN (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.08%
    Sayre, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.68%
    DOTHAN, AL (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.50%
    Macomb, IL (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.80%
    Gloversville, NY (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.75%
    Amsterdam, NY (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.53%
    ERIE, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.68%
    Dyersburg, TN (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.25%
    SAGINAW, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.78%
    KANKAKEE, IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.18%
    Lima One Capital's top markets include Atlanta, Chicago, Philadelphia, New York, and Charlotte among others.

    Their top states include:
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,080 $1,201,600,000 $294,510 $0 6.83%

    For 2021, Lima One Capital's most frequently originated type of loan was Conventional, with 4,080 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,359 $719,875,000 $305,161 $0 7.59%
    Cash Out Refi 1,161 $319,375,000 $275,086 $0 5.30%
    Refi 559 $161,295,000 $288,542 $0 6.81%
    Home Improvement 1 $1,055,000 $1,055,000 $0 6.99%

    For 2021, Lima One Capital's most frequently cited loan purpose was Home Purchase, with 2,359 originations. The 2nd most popular reason was Cash Out Refi, with 1,161 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 2,221 $698,305,000 $314,410 $0 8.21%
    30 Year 1,831 $416,705,000 $227,583 $0 5.18%
    3 Year 12 $53,860,000 $4,488,333 $0 6.44%
    10 Year 8 $14,360,000 $1,795,000 $0 5.52%
    5 Year 8 $18,370,000 $2,296,250 $0 4.94%

    For 2021, Lima One Capital's most frequently cited loan duration was Other, with 2,221 originations. The 2nd most popular length was 30 Year, with 1,831 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 1,088 $273,090,000 $251,002
    5-6% 1,047 $244,385,000 $233,415
    7-8% 965 $280,515,000 $290,689
    4-5% 628 $188,920,000 $300,828
    6-7% 259 $189,165,000 $730,367
    3-4% 85 $24,485,000 $288,059

    During 2021, Lima One Capital's average interest rate for loans was 5.18%, while their most frequently originated rate bucket for loans was Over 8%, with 1,088 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,680 $242,370,000 $144,268 $0 6.96%
    $200k-400k 981 $260,905,000 $265,958 $0 7.22%
    $100,000 or less 858 $67,480,000 $78,648 $0 6.24%
    $400k-600k 230 $111,440,000 $484,522 $0 6.95%
    $1MM+ 181 $401,765,000 $2,219,696 $0 6.42%
    $600k-1MM 150 $117,640,000 $784,267 $0 6.53%

    2021 saw Lima One Capital place emphasis on $100k-200k loans with 1,680 originations, totaling $242,370,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 4,080 $1,201,600,000 $294,510 $0 6.83%

    Approval Rates

    Total approvals of all applications
    98.57%

    Lima One Capital has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    99.98%

    Lima One Capital 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 4,080 $1,201,600,000 $294,510

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,080 $1,201,600,000 $294,510

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 16 $2,580,000 $161,250 $0 5.56%
    40-60% 342 $108,230,000 $316,462 $0 7.35%
    60-80% 3,095 $852,825,000 $275,549 $0 6.93%
    80-100% 189 $43,175,000 $228,439 $0 7.09%
    Over 100% 437 $194,535,000 $445,160 $0 5.61%
    Under 20% 1 $255,000 $255,000 $0 8.75%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Lima One Capital, LLC Conventional home mortgage Trouble during payment process 2 28.6%
    Lima One Capital, LLC Other type of mortgage Closing on a mortgage 2 28.6%
    Lima One Capital, LLC Other type of mortgage Struggling to pay mortgage 1 14.3%
    Lima One Capital, LLC Other type of mortgage Trouble during payment process 2 28.6%