Lima One Capital Mortgage Rates, Fees & Info

Atlanta, GA

LEI: 254900FBWEZ3YUPOBN33

Tax ID: 27-2056826

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Mortgage Data

Review & Overview

Lima One Capital is a smaller 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, New York, Los Angeles, Philadelphia, and Chicago among others. We have data for 241 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.27% 12/16/24
30 Year Conventional Refi 6.27% 12/16/24
30 Year Cash-out Refi 6.27% 12/16/24
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.

Lima One Capital Mortgage Calculator






Your Estimates

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This is not an official calculator from Lima One Capital. 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

3,583

Origination Dollar Volume (All Markets)

$920,675,000

Top Markets

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    Market Originations Total Value Average Loan Average Fees Average Rate
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 295 $110,965,000 $376,153 $0 9.62%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 216 $66,680,000 $308,704 $0 9.53%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 43 $54,825,000 $1,275,000 $0 9.03%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 279 $52,785,000 $189,194 $0 9.46%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 298 $52,550,000 $176,342 $0 9.61%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 72 $30,050,000 $417,361 $0 9.47%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 100 $29,200,000 $292,000 $0 9.20%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 106 $22,890,000 $215,943 $0 9.44%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 158 $20,620,000 $130,506 $0 9.26%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 50 $20,250,000 $405,000 $0 9.43%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 52 $18,770,000 $360,962 $0 8.96%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 58 $16,720,000 $288,276 $0 8.33%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 78 $15,750,000 $201,923 $0 9.63%
    COLUMBUS, OH (FHA|USDA|VA) 125 $13,795,000 $110,360 $0 9.05%
    RICHMOND, VA (FHA|USDA|VA) 18 $11,910,000 $661,667 $0 9.52%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 32 $11,140,000 $348,125 $0 9.54%
    TALLAHASSEE, FL (FHA|USDA|VA) 2 $11,130,000 $5,565,000 $0 10.50%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 15 $10,965,000 $731,000 $0 9.38%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 61 $10,525,000 $172,541 $0 9.57%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 22 $9,310,000 $423,182 $0 9.70%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 29 $9,175,000 $316,379 $0 9.33%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 31 $9,015,000 $290,806 $0 9.84%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 8 $8,230,000 $1,028,750 $0 8.25%
    JACKSONVILLE, FL (FHA|USDA|VA) 32 $7,960,000 $248,750 $0 9.11%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 7 $7,945,000 $1,135,000 $0 7.99%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 51 $7,495,000 $146,961 $0 9.91%
    Weatherford, OK (FHA|USDA|VA) 1 $7,495,000 $7,495,000 $0 7.75%
    SAVANNAH, GA (FHA|USDA|VA) 16 $7,380,000 $461,250 $0 10.26%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 7 $7,355,000 $1,050,714 $0 8.91%
    TULSA, OK (FHA|USDA|VA) 7 $6,565,000 $937,857 $0 8.66%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $6,530,000 $1,632,500 $0 11.67%
    ALBANY, GA (FHA|USDA|VA) 4 $6,460,000 $1,615,000 $0 8.20%
    RALEIGH-CARY, NC (FHA|USDA|VA) 42 $6,400,000 $152,381 $0 8.72%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 41 $6,225,000 $151,829 $0 8.40%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 39 $6,085,000 $156,026 $0 8.75%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 55 $6,025,000 $109,545 $0 8.25%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 17 $5,805,000 $341,471 $0 9.34%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 53 $5,625,000 $106,132 $0 10.13%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 24 $5,140,000 $214,167 $0 9.43%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $4,975,000 $995,000 $0 9.11%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 39 $4,645,000 $119,103 $0 10.74%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 16 $4,480,000 $280,000 $0 10.09%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $3,985,000 $3,985,000 $0 7.25%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 30 $3,760,000 $125,333 $0 9.96%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 12 $3,750,000 $312,500 $0 10.55%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 22 $3,670,000 $166,818 $0 10.01%
    OCEAN CITY, NJ (FHA|USDA|VA) 7 $3,595,000 $513,571 $0 9.50%
    TEXARKANA, TX-AR (FHA|USDA|VA) 3 $3,535,000 $1,178,333 $0 7.68%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 31 $3,525,000 $113,710 $0 9.18%
    Outside of Metro Areas 22 $3,470,000 $157,727 $0 9.56%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 5 $3,415,000 $683,000 $0 10.50%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 12 $3,360,000 $280,000 $0 10.05%
    DECATUR, AL (FHA|USDA|VA) 3 $3,225,000 $1,075,000 $0 9.75%
    FAYETTEVILLE, NC (FHA|USDA|VA) 31 $3,185,000 $102,742 $0 8.59%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 22 $3,160,000 $143,636 $0 8.74%
    PITTSBURGH, PA (FHA|USDA|VA) 21 $3,135,000 $149,286 $0 9.93%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 22 $3,040,000 $138,182 $0 9.17%
    AKRON, OH (FHA|USDA|VA) 10 $3,030,000 $303,000 $0 10.83%
    BURLINGTON, NC (FHA|USDA|VA) 2 $2,930,000 $1,465,000 $0 7.13%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 22 $2,920,000 $132,727 $0 8.89%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 11 $2,915,000 $265,000 $0 9.33%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $2,875,000 $958,333 $0 11.75%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 19 $2,835,000 $149,211 $0 9.73%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 15 $2,805,000 $187,000 $0 9.56%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 10 $2,750,000 $275,000 $0 10.10%
    COLUMBIA, SC (FHA|USDA|VA) 20 $2,710,000 $135,500 $0 9.65%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $2,630,000 $1,315,000 $0 9.50%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 22 $2,470,000 $112,273 $0 10.03%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $2,445,000 $2,445,000 $0 7.50%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 18 $2,440,000 $135,556 $0 9.77%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $2,380,000 $595,000 $0 9.42%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 17 $2,315,000 $136,176 $0 9.39%
    JACKSONVILLE, NC (FHA|USDA|VA) 13 $2,275,000 $175,000 $0 8.22%
    ROCKY MOUNT, NC (FHA|USDA|VA) 15 $2,105,000 $140,333 $0 9.45%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $1,930,000 $241,250 $0 9.28%
    PEORIA, IL (FHA|USDA|VA) 7 $1,925,000 $275,000 $0 9.75%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 13 $1,895,000 $145,769 $0 9.30%
    SPARTANBURG, SC (FHA|USDA|VA) 4 $1,830,000 $457,500 $0 7.43%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 7 $1,825,000 $260,714 $0 7.88%
    JACKSON, MS (FHA|USDA|VA) 14 $1,780,000 $127,143 $0 9.29%
    COLUMBUS, GA-AL (FHA|USDA|VA) 12 $1,740,000 $145,000 $0 9.34%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 7 $1,705,000 $243,571 $0 9.42%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $1,625,000 $325,000 $0 10.60%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 12 $1,580,000 $131,667 $0 10.05%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 10 $1,510,000 $151,000 $0 10.58%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 16 $1,500,000 $93,750 $0 10.14%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 4 $1,450,000 $362,500 $0 9.76%
    Zanesville, OH (FHA|USDA|VA) 1 $1,405,000 $1,405,000 $0 7.25%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,315,000 $438,333 $0 10.50%
    Key West, FL (FHA|USDA|VA) 4 $1,240,000 $310,000 $0 8.13%
    SPRINGFIELD, IL (FHA|USDA|VA) 1 $1,175,000 $1,175,000 $0 0.00%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $1,165,000 $1,165,000 $0 0.00%
    WALLA WALLA, WA (FHA|USDA|VA) 2 $1,160,000 $580,000 $0 6.52%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 8 $1,140,000 $142,500 $0 10.26%
    PANAMA CITY, FL (FHA|USDA|VA) 10 $1,120,000 $112,000 $0 10.80%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 6 $1,070,000 $178,333 $0 10.42%
    WARNER ROBINS, GA (FHA|USDA|VA) 3 $1,065,000 $355,000 $0 9.42%
    MONTGOMERY, AL (FHA|USDA|VA) 12 $1,060,000 $88,333 $0 8.50%
    Hobbs, NM (FHA|USDA|VA) 3 $1,005,000 $335,000 $0 9.50%
    WILMINGTON, NC (FHA|USDA|VA) 4 $980,000 $245,000 $0 8.80%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $975,000 $325,000 $0 10.33%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 4 $940,000 $235,000 $0 10.25%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 9 $915,000 $101,667 $0 8.67%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 10 $910,000 $91,000 $0 9.67%
    ROANOKE, VA (FHA|USDA|VA) 10 $850,000 $85,000 $0 8.37%
    BATON ROUGE, LA (FHA|USDA|VA) 8 $840,000 $105,000 $0 10.24%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $840,000 $210,000 $0 9.59%
    ASHEVILLE, NC (FHA|USDA|VA) 5 $835,000 $167,000 $0 10.90%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 7 $805,000 $115,000 $0 8.97%
    WICHITA, KS (FHA|USDA|VA) 3 $765,000 $255,000 $0 6.92%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 4 $760,000 $190,000 $0 8.30%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 8 $760,000 $95,000 $0 9.72%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $735,000 $735,000 $0 0.00%
    LAREDO, TX (FHA|USDA|VA) 7 $735,000 $105,000 $0 8.25%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 4 $730,000 $182,500 $0 11.06%
    LOUISVILLE, KY (FHA|USDA|VA) 4 $730,000 $182,500 $0 8.50%
    Orangeburg, SC (FHA|USDA|VA) 8 $720,000 $90,000 $0 9.39%
    Georgetown, SC (FHA|USDA|VA) 3 $715,000 $238,333 $0 7.85%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $710,000 $118,333 $0 9.53%
    NEW BERN, NC (FHA|USDA|VA) 3 $695,000 $231,667 $0 9.42%
    HUNTSVILLE, AL (FHA|USDA|VA) 3 $695,000 $231,667 $0 9.92%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 7 $685,000 $97,857 $0 10.64%
    Morehead City, NC (FHA|USDA|VA) 1 $685,000 $685,000 $0 9.75%
    BAKERSFIELD, CA (FHA|USDA|VA) 3 $665,000 $221,667 $0 8.88%
    GAINESVILLE, GA (FHA|USDA|VA) 3 $655,000 $218,333 $0 9.67%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $645,000 $645,000 $0 7.03%
    SPRINGFIELD, MA (FHA|USDA|VA) 6 $640,000 $106,667 $0 11.00%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 5 $605,000 $121,000 $0 9.38%
    DOVER, DE (FHA|USDA|VA) 3 $595,000 $198,333 $0 9.75%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 5 $595,000 $119,000 $0 9.89%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 5 $595,000 $119,000 $0 9.55%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 5 $585,000 $117,000 $0 9.42%
    Cullowhee, NC (FHA|USDA|VA) 2 $580,000 $290,000 $0 10.25%
    VALLEJO, CA (FHA|USDA|VA) 2 $570,000 $285,000 $0 9.38%
    Astoria, OR (FHA|USDA|VA) 2 $560,000 $280,000 $0 10.75%
    PUNTA GORDA, FL (FHA|USDA|VA) 4 $560,000 $140,000 $0 9.63%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $555,000 $555,000 $0 10.75%
    WORCESTER, MA-CT (FHA|USDA|VA) 2 $540,000 $270,000 $0 8.35%
    HAMMOND, LA (FHA|USDA|VA) 1 $535,000 $535,000 $0 6.50%
    ALBUQUERQUE, NM (FHA|USDA|VA) 5 $525,000 $105,000 $0 10.30%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $525,000 $175,000 $0 9.42%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $525,000 $105,000 $0 11.00%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $515,000 $515,000 $0 8.00%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $485,000 $485,000 $0 9.50%
    Seneca, SC (FHA|USDA|VA) 3 $485,000 $161,667 $0 10.00%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $475,000 $158,333 $0 10.83%
    TUCSON, AZ (FHA|USDA|VA) 2 $470,000 $235,000 $0 7.45%
    SYRACUSE, NY (FHA|USDA|VA) 5 $465,000 $93,000 $0 11.30%
    BLOOMINGTON, IN (FHA|USDA|VA) 3 $445,000 $148,333 $0 10.25%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $430,000 $215,000 $0 10.63%
    READING, PA (FHA|USDA|VA) 4 $410,000 $102,500 $0 8.92%
    SANTA FE, NM (FHA|USDA|VA) 2 $410,000 $205,000 $0 11.50%
    LAKE CHARLES, LA (FHA|USDA|VA) 5 $405,000 $81,000 $0 9.55%
    SALEM, OR (FHA|USDA|VA) 2 $400,000 $200,000 $0 7.70%
    MUSKEGON, MI (FHA|USDA|VA) 2 $360,000 $180,000 $0 8.45%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $360,000 $180,000 $0 10.50%
    LAS CRUCES, NM (FHA|USDA|VA) 2 $350,000 $175,000 $0 10.50%
    ROCHESTER, NY (FHA|USDA|VA) 3 $345,000 $115,000 $0 8.63%
    NILES, MI (FHA|USDA|VA) 3 $345,000 $115,000 $0 7.83%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $345,000 $115,000 $0 8.98%
    RACINE, WI (FHA|USDA|VA) 2 $340,000 $170,000 $0 8.88%
    WINSTON-SALEM, NC (FHA|USDA|VA) 4 $340,000 $85,000 $0 9.95%
    FLINT, MI (FHA|USDA|VA) 3 $335,000 $111,667 $0 11.83%
    OCALA, FL (FHA|USDA|VA) 3 $335,000 $111,667 $0 10.42%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $325,000 $325,000 $0 10.50%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 3 $305,000 $101,667 $0 8.22%
    KNOXVILLE, TN (FHA|USDA|VA) 4 $300,000 $75,000 $0 10.01%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $295,000 $295,000 $0 11.50%
    Sevierville, TN (FHA|USDA|VA) 1 $295,000 $295,000 $0 8.35%
    Thomaston, GA (FHA|USDA|VA) 1 $285,000 $285,000 $0 6.00%
    ODESSA, TX (FHA|USDA|VA) 2 $280,000 $140,000 $0 11.00%
    MORRISTOWN, TN (FHA|USDA|VA) 3 $275,000 $91,667 $0 10.83%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 4 $270,000 $67,500 $0 11.50%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $260,000 $130,000 $0 7.88%
    Boone, NC (FHA|USDA|VA) 1 $255,000 $255,000 $0 11.75%
    Marion, NC (FHA|USDA|VA) 1 $255,000 $255,000 $0 8.15%
    Torrington, CT (FHA|USDA|VA) 2 $240,000 $120,000 $0 12.00%
    Cambridge, MD (FHA|USDA|VA) 2 $230,000 $115,000 $0 9.75%
    SUMTER, SC (FHA|USDA|VA) 2 $220,000 $110,000 $0 9.22%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $220,000 $110,000 $0 11.25%
    Jefferson, GA (FHA|USDA|VA) 1 $215,000 $215,000 $0 12.00%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $205,000 $205,000 $0 10.50%
    HINESVILLE, GA (FHA|USDA|VA) 2 $200,000 $100,000 $0 11.25%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $200,000 $100,000 $0 8.75%
    KINGSTON, NY (FHA|USDA|VA) 1 $195,000 $195,000 $0 11.75%
    Wilson, NC (FHA|USDA|VA) 1 $195,000 $195,000 $0 10.99%
    TOLEDO, OH (FHA|USDA|VA) 2 $190,000 $95,000 $0 9.30%
    Fort Payne, AL (FHA|USDA|VA) 1 $185,000 $185,000 $0 11.50%
    TUSCALOOSA, AL (FHA|USDA|VA) 2 $180,000 $90,000 $0 11.50%
    MOBILE, AL (FHA|USDA|VA) 2 $180,000 $90,000 $0 12.00%
    EL PASO, TX (FHA|USDA|VA) 2 $180,000 $90,000 $0 10.50%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.17%
    MONROE, MI (FHA|USDA|VA) 2 $170,000 $85,000 $0 6.50%
    DULUTH, MN-WI (FHA|USDA|VA) 2 $170,000 $85,000 $0 10.23%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $165,000 $165,000 $0 10.50%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.75%
    LUBBOCK, TX (FHA|USDA|VA) 1 $145,000 $145,000 $0 11.50%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $135,000 $135,000 $0 10.50%
    IOWA CITY, IA (FHA|USDA|VA) 1 $135,000 $135,000 $0 11.50%
    YAKIMA, WA (FHA|USDA|VA) 1 $125,000 $125,000 $0 11.50%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.55%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $120,000 $60,000 $0 10.13%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $115,000 $115,000 $0 9.25%
    MUNCIE, IN (FHA|USDA|VA) 2 $110,000 $55,000 $0 9.60%
    Norwalk, OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 11.50%
    Klamath Falls, OR (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.00%
    LYNCHBURG, VA (FHA|USDA|VA) 2 $100,000 $50,000 $0 10.50%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $95,000 $95,000 $0 12.00%
    Holland, MI (FHA|USDA|VA) 1 $95,000 $95,000 $0 10.50%
    Beaver Dam, WI (FHA|USDA|VA) 1 $95,000 $95,000 $0 10.50%
    ALEXANDRIA, LA (FHA|USDA|VA) 1 $95,000 $95,000 $0 11.50%
    Natchez, MS-LA (FHA|USDA|VA) 1 $95,000 $95,000 $0 11.50%
    Laconia, NH (FHA|USDA|VA) 1 $95,000 $95,000 $0 11.50%
    FRESNO, CA (FHA|USDA|VA) 1 $95,000 $95,000 $0 11.50%
    PINE BLUFF, AR (FHA|USDA|VA) 2 $90,000 $45,000 $0 10.50%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 10.50%
    Morgan City, LA (FHA|USDA|VA) 1 $85,000 $85,000 $0 11.50%
    JACKSON, TN (FHA|USDA|VA) 1 $85,000 $85,000 $0 11.50%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $85,000 $85,000 $0 11.50%
    Hutchinson, KS (FHA|USDA|VA) 1 $85,000 $85,000 $0 11.50%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $75,000 $75,000 $0 9.50%
    GOLDSBORO, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 11.50%
    Alamogordo, NM (FHA|USDA|VA) 1 $75,000 $75,000 $0 11.50%
    ROCKFORD, IL (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.75%
    BINGHAMTON, NY (FHA|USDA|VA) 1 $75,000 $75,000 $0 11.50%
    Austin, MN (FHA|USDA|VA) 1 $75,000 $75,000 $0 10.50%
    WACO, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.25%
    GREENVILLE, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 10.50%
    CLEVELAND, TN (FHA|USDA|VA) 1 $65,000 $65,000 $0 10.50%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.70%
    Albemarle, NC (FHA|USDA|VA) 1 $65,000 $65,000 $0 10.50%
    ELMIRA, NY (FHA|USDA|VA) 1 $65,000 $65,000 $0 10.50%
    Oil City, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.00%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.99%
    Gaffney, SC (FHA|USDA|VA) 1 $55,000 $55,000 $0 11.50%
    PITTSFIELD, MA (FHA|USDA|VA) 1 $55,000 $55,000 $0 10.50%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 11.50%
    COLUMBUS, IN (FHA|USDA|VA) 1 $45,000 $45,000 $0 9.50%
    Cambridge, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 11.50%
    ROME, GA (FHA|USDA|VA) 1 $45,000 $45,000 $0 11.50%
    Columbus, MS (FHA|USDA|VA) 1 $35,000 $35,000 $0 11.50%
    Lima One Capital's top markets include Atlanta, New York, Los Angeles, Philadelphia, and Chicago among others.

    Their top states include:
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,583 $920,675,000 $256,956 $0 9.45%

    For 2019, Lima One Capital's most frequently originated type of loan was Conventional, with 3,583 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,687 $672,375,000 $250,233 $0 9.81%
    Cash Out Refi 636 $188,820,000 $296,887 $0 8.39%
    Home Improvement 133 $21,675,000 $162,970 $0 9.86%
    Refi 127 $37,805,000 $297,677 $0 6.87%

    For 2019, Lima One Capital's most frequently cited loan purpose was Home Purchase, with 2,687 originations. The 2nd most popular reason was Cash Out Refi, with 636 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 3,104 $775,960,000 $249,987 $0 9.88%
    30 Year 477 $144,485,000 $302,904 $0 6.73%
    1 Year 2 $230,000 $115,000 $0 10.38%

    For 2019, Lima One Capital's most frequently cited loan duration was Other, with 3,104 originations. The 2nd most popular length was 30 Year, with 477 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 2,550 $488,560,000 $191,592
    7-8% 653 $211,485,000 $323,867
    6-7% 261 $97,635,000 $374,080
    5-6% 81 $45,575,000 $562,654
    4-5% 3 $425,000 $141,667

    During 2019, Lima One Capital's average interest rate for loans was 6.73%, while their most frequently originated rate bucket for loans was Over 8%, with 2,550 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,541 $217,625,000 $141,223 $0 9.59%
    $100,000 or less 1,109 $81,805,000 $73,765 $0 9.56%
    $200k-400k 603 $161,935,000 $268,549 $0 9.48%
    $1MM+ 133 $341,265,000 $2,565,902 $0 7.75%
    $400k-600k 114 $55,450,000 $486,404 $0 8.66%
    $600k-1MM 83 $62,595,000 $754,157 $0 8.66%

    2019 saw Lima One Capital place emphasis on $100k-200k loans with 1,541 originations, totaling $217,625,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 3,583 $920,675,000 $256,956 $0 9.45%

    Approval Rates

    Total approvals of all applications
    95.78%

    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
    93.05%

    Lima One Capital has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,583 $920,675,000 $256,956

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 143 $250,565,000 $1,752,203
    Single Family (1-4 Units):Site-Built 3,440 $670,110,000 $194,799

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 42 $4,780,000 $113,810 $0 9.53%
    40-60% 754 $131,380,000 $174,244 $0 9.88%
    60-80% 2,707 $757,845,000 $279,958 $0 9.38%
    80-100% 73 $20,565,000 $281,712 $0 7.78%
    Over 100% 3 $4,655,000 $1,551,667 $0 7.75%
    Under 20% 3 $145,000 $48,333 $0 8.43%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Lima One Capital, LLC Other type of mortgage Trouble during payment process 2 100.0%