Lima One Capital Mortgage Rates, Fees & Info
Atlanta, GALEI: 254900FBWEZ3YUPOBN33
Tax ID: 27-2056826
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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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 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 |
| 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
3,583Origination Dollar Volume (All Markets)
$920,675,000Top 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) | 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% |
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
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
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 applications95.78%
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 origination93.05%
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
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% |