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 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, Dallas, Chicago, New York, and Charlotte among others. We have data for 370 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 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% 4/28/24
30 Year Conventional Refi 6.27% 4/28/24
30 Year Cash-out Refi 6.27% 4/28/24
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

Estimated Loan Payment: Update the calculator values and click calculate payment!

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

4,802

Origination Dollar Volume (All Markets)

$1,645,070,000

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) 237 $100,035,000 $422,089 $0 7.41%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 56 $94,950,000 $1,695,536 $0 8.02%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 364 $91,670,000 $251,841 $0 8.14%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 99 $67,705,000 $683,889 $0 7.98%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 125 $52,685,000 $421,480 $0 7.69%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 245 $50,825,000 $207,449 $0 7.73%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 161 $36,715,000 $228,043 $0 7.46%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 76 $36,450,000 $479,605 $0 7.93%
ST. LOUIS, MO-IL (FHA|USDA|VA) 197 $34,875,000 $177,030 $0 7.45%
Outside of Metro Areas 82 $34,750,000 $423,780 $0 7.69%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 11 $33,365,000 $3,033,182 $0 9.32%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 145 $31,565,000 $217,690 $0 8.10%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 22 $23,400,000 $1,063,636 $0 8.41%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 106 $23,110,000 $218,019 $0 7.22%
ROME, GA (FHA|USDA|VA) 12 $22,800,000 $1,900,000 $0 7.84%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 129 $21,875,000 $169,574 $0 7.60%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 87 $21,175,000 $243,391 $0 7.77%
PUNTA GORDA, FL (FHA|USDA|VA) 68 $20,880,000 $307,059 $0 7.71%
WINSTON-SALEM, NC (FHA|USDA|VA) 24 $20,110,000 $837,917 $0 7.50%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 52 $19,480,000 $374,615 $0 7.64%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 46 $18,750,000 $407,609 $0 7.26%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 65 $18,605,000 $286,231 $0 7.06%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 31 $17,115,000 $552,097 $0 8.92%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 55 $17,065,000 $310,273 $0 7.47%
RALEIGH-CARY, NC (FHA|USDA|VA) 27 $16,645,000 $616,481 $0 7.32%
COLUMBUS, OH (FHA|USDA|VA) 84 $16,600,000 $197,619 $0 6.91%
GREENVILLE, NC (FHA|USDA|VA) 13 $15,775,000 $1,213,462 $0 6.88%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 48 $14,100,000 $293,750 $0 8.73%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 20 $13,580,000 $679,000 $0 6.12%
BATON ROUGE, LA (FHA|USDA|VA) 17 $13,365,000 $786,176 $0 8.68%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 16 $13,320,000 $832,500 $0 8.60%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 72 $12,820,000 $178,056 $0 7.60%
Dublin, GA (FHA|USDA|VA) 11 $12,755,000 $1,159,545 $0 6.43%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 16 $12,690,000 $793,125 $0 7.18%
DAYTON-KETTERING, OH (FHA|USDA|VA) 63 $12,435,000 $197,381 $0 6.95%
PITTSBURGH, PA (FHA|USDA|VA) 47 $11,915,000 $253,511 $0 8.13%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 25 $11,385,000 $455,400 $0 8.31%
KANSAS CITY, MO-KS (FHA|USDA|VA) 45 $11,305,000 $251,222 $0 7.99%
OKLAHOMA CITY, OK (FHA|USDA|VA) 13 $11,135,000 $856,538 $0 7.97%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 15 $10,915,000 $727,667 $0 8.25%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 54 $10,720,000 $198,519 $0 6.76%
FAYETTEVILLE, NC (FHA|USDA|VA) 44 $10,700,000 $243,182 $0 8.01%
RICHMOND, VA (FHA|USDA|VA) 53 $10,275,000 $193,868 $0 7.63%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 42 $9,440,000 $224,762 $0 8.76%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 14 $9,370,000 $669,286 $0 7.70%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 9 $9,215,000 $1,023,889 $0 7.47%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 27 $9,195,000 $340,556 $0 8.11%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 50 $9,060,000 $181,200 $0 7.76%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 32 $9,010,000 $281,563 $0 7.54%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 13 $8,815,000 $678,077 $0 8.54%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 18 $8,250,000 $458,333 $0 6.93%
COLUMBIA, SC (FHA|USDA|VA) 39 $7,735,000 $198,333 $0 7.39%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 5 $7,395,000 $1,479,000 $0 7.82%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 7 $7,355,000 $1,050,714 $0 7.72%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 18 $7,330,000 $407,222 $0 7.96%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 18 $7,260,000 $403,333 $0 8.86%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $7,240,000 $3,620,000 $0 7.06%
AMARILLO, TX (FHA|USDA|VA) 3 $6,425,000 $2,141,667 $0 7.52%
LAFAYETTE, LA (FHA|USDA|VA) 2 $6,380,000 $3,190,000 $0 7.26%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $6,260,000 $3,130,000 $0 7.81%
ODESSA, TX (FHA|USDA|VA) 4 $6,160,000 $1,540,000 $0 8.18%
COLUMBUS, GA-AL (FHA|USDA|VA) 15 $6,025,000 $401,667 $0 7.42%
AKRON, OH (FHA|USDA|VA) 13 $5,965,000 $458,846 $0 6.44%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 41 $5,875,000 $143,293 $0 7.70%
WACO, TX (FHA|USDA|VA) 2 $5,730,000 $2,865,000 $0 6.36%
LAWRENCE, KS (FHA|USDA|VA) 1 $5,715,000 $5,715,000 $0 5.50%
VALDOSTA, GA (FHA|USDA|VA) 4 $5,600,000 $1,400,000 $0 6.29%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 13 $5,585,000 $429,615 $0 8.87%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 17 $5,225,000 $307,353 $0 7.87%
WILMINGTON, NC (FHA|USDA|VA) 13 $5,065,000 $389,615 $0 9.24%
GREELEY, CO (FHA|USDA|VA) 2 $4,880,000 $2,440,000 $0 7.92%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 28 $4,840,000 $172,857 $0 7.86%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $4,815,000 $1,605,000 $0 7.50%
Wooster, OH (FHA|USDA|VA) 1 $4,785,000 $4,785,000 $0 9.27%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 26 $4,760,000 $183,077 $0 7.00%
SUMTER, SC (FHA|USDA|VA) 1 $4,635,000 $4,635,000 $0 5.40%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $4,630,000 $1,157,500 $0 10.28%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 20 $4,400,000 $220,000 $0 7.48%
Jackson, WY-ID (FHA|USDA|VA) 1 $4,205,000 $4,205,000 $0 7.75%
Danville, VA (FHA|USDA|VA) 17 $4,155,000 $244,412 $0 8.03%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 14 $4,150,000 $296,429 $0 9.55%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $4,145,000 $829,000 $0 8.06%
MONTGOMERY, AL (FHA|USDA|VA) 30 $4,120,000 $137,333 $0 7.53%
MOBILE, AL (FHA|USDA|VA) 6 $4,100,000 $683,333 $0 6.52%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 6 $4,050,000 $675,000 $0 8.10%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 25 $3,935,000 $157,400 $0 7.36%
LAKE CHARLES, LA (FHA|USDA|VA) 15 $3,905,000 $260,333 $0 8.23%
JACKSONVILLE, FL (FHA|USDA|VA) 14 $3,860,000 $275,714 $0 9.15%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 16 $3,800,000 $237,500 $0 8.18%
KNOXVILLE, TN (FHA|USDA|VA) 13 $3,765,000 $289,615 $0 6.91%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 13 $3,735,000 $287,308 $0 8.09%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $3,725,000 $1,241,667 $0 8.03%
BOISE CITY, ID (FHA|USDA|VA) 9 $3,555,000 $395,000 $0 9.43%
SAVANNAH, GA (FHA|USDA|VA) 19 $3,545,000 $186,579 $0 8.34%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 12 $3,430,000 $285,833 $0 9.10%
ASHEVILLE, NC (FHA|USDA|VA) 11 $3,365,000 $305,909 $0 8.16%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $3,345,000 $1,115,000 $0 7.20%
HUNTSVILLE, AL (FHA|USDA|VA) 11 $3,315,000 $301,364 $0 7.80%
Hobbs, NM (FHA|USDA|VA) 4 $3,190,000 $797,500 $0 6.21%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 9 $3,115,000 $346,111 $0 7.88%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $3,115,000 $3,115,000 $0 7.25%
ROCKY MOUNT, NC (FHA|USDA|VA) 18 $3,030,000 $168,333 $0 6.96%
WORCESTER, MA-CT (FHA|USDA|VA) 10 $2,840,000 $284,000 $0 7.49%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $2,835,000 $945,000 $0 9.67%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 8 $2,830,000 $353,750 $0 7.41%
LUBBOCK, TX (FHA|USDA|VA) 2 $2,780,000 $1,390,000 $0 6.62%
SPARTANBURG, SC (FHA|USDA|VA) 21 $2,645,000 $125,952 $0 7.27%
ROCHESTER, NY (FHA|USDA|VA) 15 $2,635,000 $175,667 $0 6.98%
ROCKFORD, IL (FHA|USDA|VA) 3 $2,605,000 $868,333 $0 7.19%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 13 $2,535,000 $195,000 $0 8.31%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 16 $2,380,000 $148,750 $0 8.22%
DALTON, GA (FHA|USDA|VA) 1 $2,365,000 $2,365,000 $0 5.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 17 $2,325,000 $136,765 $0 6.82%
YORK-HANOVER, PA (FHA|USDA|VA) 17 $2,315,000 $136,176 $0 6.85%
Calhoun, GA (FHA|USDA|VA) 1 $2,215,000 $2,215,000 $0 5.50%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 11 $2,205,000 $200,455 $0 7.29%
JACKSONVILLE, NC (FHA|USDA|VA) 11 $2,175,000 $197,727 $0 8.41%
FLINT, MI (FHA|USDA|VA) 10 $2,090,000 $209,000 $0 6.40%
SAN ANGELO, TX (FHA|USDA|VA) 2 $1,990,000 $995,000 $0 6.51%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 10 $1,980,000 $198,000 $0 9.28%
ALBUQUERQUE, NM (FHA|USDA|VA) 8 $1,900,000 $237,500 $0 8.72%
MANSFIELD, OH (FHA|USDA|VA) 6 $1,880,000 $313,333 $0 5.86%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 14 $1,850,000 $132,143 $0 8.00%
Lufkin, TX (FHA|USDA|VA) 1 $1,825,000 $1,825,000 $0 7.13%
WICHITA, KS (FHA|USDA|VA) 8 $1,810,000 $226,250 $0 7.45%
TOLEDO, OH (FHA|USDA|VA) 16 $1,800,000 $112,500 $0 7.60%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $1,770,000 $442,500 $0 7.51%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $1,755,000 $585,000 $0 7.75%
PANAMA CITY, FL (FHA|USDA|VA) 5 $1,755,000 $351,000 $0 9.94%
Aberdeen, WA (FHA|USDA|VA) 3 $1,735,000 $578,333 $0 6.46%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 8 $1,730,000 $216,250 $0 8.70%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 11 $1,725,000 $156,818 $0 9.60%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $1,715,000 $190,556 $0 7.91%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $1,645,000 $329,000 $0 8.04%
Granbury, TX (FHA|USDA|VA) 2 $1,630,000 $815,000 $0 7.38%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $1,615,000 $1,615,000 $0 5.99%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $1,610,000 $402,500 $0 7.13%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $1,545,000 $1,545,000 $0 10.60%
PEORIA, IL (FHA|USDA|VA) 2 $1,530,000 $765,000 $0 7.73%
Shelby, NC (FHA|USDA|VA) 8 $1,480,000 $185,000 $0 8.33%
EVANSVILLE, IN-KY (FHA|USDA|VA) 12 $1,460,000 $121,667 $0 7.51%
Pottsville, PA (FHA|USDA|VA) 17 $1,445,000 $85,000 $0 7.92%
FRESNO, CA (FHA|USDA|VA) 6 $1,390,000 $231,667 $0 7.30%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 5 $1,385,000 $277,000 $0 8.06%
SPRINGFIELD, MA (FHA|USDA|VA) 6 $1,350,000 $225,000 $0 8.07%
Bozeman, MT (FHA|USDA|VA) 2 $1,300,000 $650,000 $0 7.68%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 6 $1,300,000 $216,667 $0 7.60%
Outside of Metro Areas 2 $1,280,000 $640,000 $0 6.68%
Mount Vernon, OH (FHA|USDA|VA) 2 $1,220,000 $610,000 $0 10.18%
READING, PA (FHA|USDA|VA) 8 $1,210,000 $151,250 $0 7.03%
Sandusky, OH (FHA|USDA|VA) 5 $1,195,000 $239,000 $0 7.69%
CORPUS CHRISTI, TX (FHA|USDA|VA) 5 $1,185,000 $237,000 $0 7.51%
Adrian, MI (FHA|USDA|VA) 2 $1,180,000 $590,000 $0 6.63%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,175,000 $391,667 $0 8.40%
BINGHAMTON, NY (FHA|USDA|VA) 4 $1,150,000 $287,500 $0 7.28%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $1,145,000 $229,000 $0 7.99%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 8 $1,140,000 $142,500 $0 8.04%
VICTORIA, TX (FHA|USDA|VA) 7 $1,135,000 $162,143 $0 8.78%
LOUISVILLE, KY (FHA|USDA|VA) 7 $1,125,000 $160,714 $0 9.34%
Torrington, CT (FHA|USDA|VA) 2 $1,120,000 $560,000 $0 6.90%
NILES, MI (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $0 7.30%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 10 $1,050,000 $105,000 $0 6.99%
BURLINGTON, NC (FHA|USDA|VA) 5 $1,035,000 $207,000 $0 6.44%
Wilson, NC (FHA|USDA|VA) 8 $1,030,000 $128,750 $0 8.11%
HAMMOND, LA (FHA|USDA|VA) 2 $1,010,000 $505,000 $0 6.40%
Sevierville, TN (FHA|USDA|VA) 3 $995,000 $331,667 $0 8.00%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $985,000 $328,333 $0 9.15%
Huntsville, TX (FHA|USDA|VA) 2 $970,000 $485,000 $0 7.63%
Hilo, HI (FHA|USDA|VA) 3 $965,000 $321,667 $0 7.92%
TUSCALOOSA, AL (FHA|USDA|VA) 6 $950,000 $158,333 $0 7.09%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 8 $930,000 $116,250 $0 5.83%
OCEAN CITY, NJ (FHA|USDA|VA) 2 $920,000 $460,000 $0 8.31%
PITTSFIELD, MA (FHA|USDA|VA) 4 $900,000 $225,000 $0 8.48%
OCALA, FL (FHA|USDA|VA) 4 $870,000 $217,500 $0 8.00%
UTICA-ROME, NY (FHA|USDA|VA) 6 $870,000 $145,000 $0 6.48%
Boone, NC (FHA|USDA|VA) 2 $870,000 $435,000 $0 8.83%
KINGSTON, NY (FHA|USDA|VA) 3 $835,000 $278,333 $0 10.47%
Seneca, SC (FHA|USDA|VA) 2 $830,000 $415,000 $0 7.63%
GOLDSBORO, NC (FHA|USDA|VA) 2 $830,000 $415,000 $0 5.84%
KANKAKEE, IL (FHA|USDA|VA) 7 $785,000 $112,143 $0 6.75%
EAST STROUDSBURG, PA (FHA|USDA|VA) 5 $785,000 $157,000 $0 7.77%
TULSA, OK (FHA|USDA|VA) 5 $765,000 $153,000 $0 7.73%
TERRE HAUTE, IN (FHA|USDA|VA) 2 $740,000 $370,000 $0 7.35%
FARMINGTON, NM (FHA|USDA|VA) 2 $720,000 $360,000 $0 6.50%
JACKSON, MS (FHA|USDA|VA) 7 $715,000 $102,143 $0 8.34%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $705,000 $235,000 $0 9.57%
RACINE, WI (FHA|USDA|VA) 6 $700,000 $116,667 $0 6.36%
CANTON-MASSILLON, OH (FHA|USDA|VA) 8 $700,000 $87,500 $0 7.16%
Orangeburg, SC (FHA|USDA|VA) 5 $695,000 $139,000 $0 8.16%
Kinston, NC (FHA|USDA|VA) 2 $690,000 $345,000 $0 5.85%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 7 $685,000 $97,857 $0 8.91%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $665,000 $665,000 $0 9.30%
OWENSBORO, KY (FHA|USDA|VA) 5 $665,000 $133,000 $0 8.85%
SYRACUSE, NY (FHA|USDA|VA) 3 $645,000 $215,000 $0 7.01%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 5 $635,000 $127,000 $0 8.64%
MUSKEGON, MI (FHA|USDA|VA) 3 $635,000 $211,667 $0 6.19%
MUNCIE, IN (FHA|USDA|VA) 7 $595,000 $85,000 $0 7.80%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $580,000 $290,000 $0 6.50%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 3 $575,000 $191,667 $0 10.07%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 5 $575,000 $115,000 $0 8.95%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $565,000 $565,000 $0 10.45%
Newberry, SC (FHA|USDA|VA) 5 $555,000 $111,000 $0 5.89%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 5 $505,000 $101,000 $0 9.17%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 3 $505,000 $168,333 $0 8.49%
Carlsbad-Artesia, NM (FHA|USDA|VA) 4 $500,000 $125,000 $0 8.23%
LANCASTER, PA (FHA|USDA|VA) 3 $495,000 $165,000 $0 6.42%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $495,000 $165,000 $0 10.43%
BLOOMINGTON, IN (FHA|USDA|VA) 4 $490,000 $122,500 $0 6.18%
Centralia, WA (FHA|USDA|VA) 1 $485,000 $485,000 $0 7.25%
SALINAS, CA (FHA|USDA|VA) 1 $475,000 $475,000 $0 8.25%
TUCSON, AZ (FHA|USDA|VA) 2 $470,000 $235,000 $0 10.55%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $470,000 $235,000 $0 8.88%
MIDLAND, TX (FHA|USDA|VA) 2 $470,000 $235,000 $0 7.79%
Key West, FL (FHA|USDA|VA) 1 $465,000 $465,000 $0 8.75%
Corning, NY (FHA|USDA|VA) 1 $445,000 $445,000 $0 7.28%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $435,000 $145,000 $0 7.50%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $430,000 $215,000 $0 6.95%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 3 $425,000 $141,667 $0 8.71%
GREEN BAY, WI (FHA|USDA|VA) 3 $425,000 $141,667 $0 5.60%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $415,000 $415,000 $0 9.95%
TYLER, TX (FHA|USDA|VA) 4 $410,000 $102,500 $0 7.18%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $410,000 $205,000 $0 6.60%
GREAT FALLS, MT (FHA|USDA|VA) 2 $400,000 $200,000 $0 9.23%
SHERMAN-DENISON, TX (FHA|USDA|VA) 4 $400,000 $100,000 $0 6.69%
SANTA FE, NM (FHA|USDA|VA) 1 $395,000 $395,000 $0 5.85%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 3 $395,000 $131,667 $0 8.92%
Gaffney, SC (FHA|USDA|VA) 5 $395,000 $79,000 $0 8.10%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 3 $395,000 $131,667 $0 8.65%
LEBANON, PA (FHA|USDA|VA) 3 $375,000 $125,000 $0 8.20%
Dodge City, KS (FHA|USDA|VA) 2 $360,000 $180,000 $0 8.80%
Columbus, MS (FHA|USDA|VA) 3 $355,000 $118,333 $0 7.67%
Greenville, OH (FHA|USDA|VA) 2 $350,000 $175,000 $0 7.18%
FLORENCE, SC (FHA|USDA|VA) 3 $345,000 $115,000 $0 7.53%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $345,000 $345,000 $0 5.55%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $335,000 $335,000 $0 9.00%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $335,000 $335,000 $0 7.80%
Starkville, MS (FHA|USDA|VA) 2 $330,000 $165,000 $0 7.25%
WARNER ROBINS, GA (FHA|USDA|VA) 4 $330,000 $82,500 $0 6.76%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $330,000 $165,000 $0 9.40%
Glenwood Springs, CO (FHA|USDA|VA) 1 $325,000 $325,000 $0 10.70%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $325,000 $325,000 $0 10.40%
ANN ARBOR, MI (FHA|USDA|VA) 3 $325,000 $108,333 $0 6.03%
Greenwood, SC (FHA|USDA|VA) 2 $320,000 $160,000 $0 5.85%
Beaver Dam, WI (FHA|USDA|VA) 3 $305,000 $101,667 $0 8.24%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $305,000 $305,000 $0 12.35%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $300,000 $150,000 $0 7.81%
Tupelo, MS (FHA|USDA|VA) 1 $295,000 $295,000 $0 9.90%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $295,000 $295,000 $0 6.70%
Point Pleasant, WV-OH (FHA|USDA|VA) 2 $290,000 $145,000 $0 6.93%
Henderson, NC (FHA|USDA|VA) 3 $285,000 $95,000 $0 7.68%
PUEBLO, CO (FHA|USDA|VA) 1 $285,000 $285,000 $0 8.50%
DECATUR, AL (FHA|USDA|VA) 2 $280,000 $140,000 $0 7.50%
DOTHAN, AL (FHA|USDA|VA) 3 $275,000 $91,667 $0 6.79%
Greensburg, IN (FHA|USDA|VA) 2 $270,000 $135,000 $0 5.63%
FORT WAYNE, IN (FHA|USDA|VA) 2 $270,000 $135,000 $0 6.84%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 2 $270,000 $135,000 $0 10.73%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 7.75%
BANGOR, ME (FHA|USDA|VA) 1 $255,000 $255,000 $0 6.25%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $255,000 $85,000 $0 5.74%
Taos, NM (FHA|USDA|VA) 1 $255,000 $255,000 $0 9.45%
JACKSON, TN (FHA|USDA|VA) 2 $250,000 $125,000 $0 9.38%
HATTIESBURG, MS (FHA|USDA|VA) 2 $250,000 $125,000 $0 7.96%
Sanford, NC (FHA|USDA|VA) 1 $245,000 $245,000 $0 10.45%
Thomaston, GA (FHA|USDA|VA) 1 $245,000 $245,000 $0 8.50%
LYNCHBURG, VA (FHA|USDA|VA) 1 $245,000 $245,000 $0 8.05%
ELMIRA, NY (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.15%
Hudson, NY (FHA|USDA|VA) 1 $245,000 $245,000 $0 9.70%
Sayre, PA (FHA|USDA|VA) 2 $240,000 $120,000 $0 7.45%
Huntington, IN (FHA|USDA|VA) 3 $235,000 $78,333 $0 7.45%
Auburn, NY (FHA|USDA|VA) 1 $235,000 $235,000 $0 9.40%
Greeneville, TN (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.25%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 3 $235,000 $78,333 $0 8.17%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $230,000 $115,000 $0 8.81%
Cambridge, OH (FHA|USDA|VA) 1 $225,000 $225,000 $0 6.95%
Bartlesville, OK (FHA|USDA|VA) 1 $225,000 $225,000 $0 9.05%
NEW BERN, NC (FHA|USDA|VA) 2 $220,000 $110,000 $0 5.75%
SPRINGFIELD, OH (FHA|USDA|VA) 2 $220,000 $110,000 $0 8.43%
Pahrump, NV (FHA|USDA|VA) 1 $215,000 $215,000 $0 9.38%
Lumberton, NC (FHA|USDA|VA) 2 $210,000 $105,000 $0 9.50%
Butte-Silver Bow, MT (FHA|USDA|VA) 2 $200,000 $100,000 $0 4.78%
DOVER, DE (FHA|USDA|VA) 2 $200,000 $100,000 $0 9.30%
LONGVIEW, TX (FHA|USDA|VA) 2 $200,000 $100,000 $0 6.76%
Russellville, AR (FHA|USDA|VA) 2 $190,000 $95,000 $0 8.13%
Selma, AL (FHA|USDA|VA) 2 $190,000 $95,000 $0 8.47%
LaGrange, GA-AL (FHA|USDA|VA) 2 $190,000 $95,000 $0 9.39%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.25%
Opelousas, LA (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.70%
Gloversville, NY (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.08%
Amsterdam, NY (FHA|USDA|VA) 2 $180,000 $90,000 $0 9.70%
Shawnee, OK (FHA|USDA|VA) 1 $175,000 $175,000 $0 8.50%
YAKIMA, WA (FHA|USDA|VA) 1 $175,000 $175,000 $0 11.55%
POCATELLO, ID (FHA|USDA|VA) 1 $175,000 $175,000 $0 8.10%
Jasper, AL (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.25%
Branson, MO (FHA|USDA|VA) 1 $165,000 $165,000 $0 10.70%
Richmond, IN (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.05%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.50%
CHICO, CA (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.55%
Malvern, AR (FHA|USDA|VA) 2 $160,000 $80,000 $0 10.60%
Ottawa, IL (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.00%
Othello, WA (FHA|USDA|VA) 1 $155,000 $155,000 $0 9.35%
Salem, OH (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.40%
GETTYSBURG, PA (FHA|USDA|VA) 1 $155,000 $155,000 $0 9.75%
Rochelle, IL (FHA|USDA|VA) 1 $155,000 $155,000 $0 10.20%
Jesup, GA (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.50%
Helena, MT (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.55%
MADISON, WI (FHA|USDA|VA) 1 $145,000 $145,000 $0 11.70%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.45%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $145,000 $145,000 $0 8.00%
MONROE, LA (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.50%
Batesville, AR (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.70%
Clovis, NM (FHA|USDA|VA) 1 $145,000 $145,000 $0 8.50%
Rolla, MO (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.95%
WICHITA FALLS, TX (FHA|USDA|VA) 2 $140,000 $70,000 $0 5.49%
BATTLE CREEK, MI (FHA|USDA|VA) 2 $140,000 $70,000 $0 6.68%
Cullman, AL (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.20%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.20%
MADERA, CA (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.80%
Natchitoches, LA (FHA|USDA|VA) 1 $135,000 $135,000 $0 8.25%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.00%
MANHATTAN, KS (FHA|USDA|VA) 1 $135,000 $135,000 $0 9.95%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.55%
Forest City, NC (FHA|USDA|VA) 1 $135,000 $135,000 $0 9.65%
HINESVILLE, GA (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.75%
Pella, IA (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.33%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.00%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.55%
Mount Airy, NC (FHA|USDA|VA) 1 $125,000 $125,000 $0 9.35%
Big Rapids, MI (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.48%
Albertville, AL (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.90%
Laurel, MS (FHA|USDA|VA) 1 $115,000 $115,000 $0 10.35%
Evanston, WY (FHA|USDA|VA) 1 $115,000 $115,000 $0 9.50%
FOND DU LAC, WI (FHA|USDA|VA) 1 $115,000 $115,000 $0 8.45%
Houghton, MI (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.25%
BECKLEY, WV (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.75%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.60%
Vincennes, IN (FHA|USDA|VA) 1 $115,000 $115,000 $0 10.60%
Alamogordo, NM (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.75%
Muskogee, OK (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.00%
Bogalusa, LA (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.50%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.63%
SAGINAW, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.88%
Elizabeth City, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.75%
Greenwood, MS (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.25%
Union, SC (FHA|USDA|VA) 1 $95,000 $95,000 $0 7.80%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.58%
Big Spring, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.40%
DUBUQUE, IA (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.70%
Rockingham, NC (FHA|USDA|VA) 1 $95,000 $95,000 $0 9.70%
BAY CITY, MI (FHA|USDA|VA) 1 $95,000 $95,000 $0 9.05%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.63%
Troy, AL (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.20%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $95,000 $95,000 $0 7.55%
ROANOKE, VA (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.75%
Ashland, OH (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.25%
Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.50%
Hastings, NE (FHA|USDA|VA) 1 $85,000 $85,000 $0 9.60%
COLUMBIA, MO (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.20%
Cedartown, GA (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.50%
Decatur, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.95%
Parsons, KS (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.23%
Holland, MI (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.90%
LIMA, OH (FHA|USDA|VA) 1 $75,000 $75,000 $0 9.25%
AMES, IA (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.45%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.08%
Meadville, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.88%
Peru, IN (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.10%
Kendallville, IN (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.53%
Brookhaven, MS (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.63%
Oil City, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.98%
Ozark, AL (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.22%
Lima One Capital's top markets include Atlanta, Dallas, Chicago, New York, and Charlotte among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,802 $1,645,070,000 $342,580 $0 7.73%

    For 2022, Lima One Capital's most frequently originated type of loan was Conventional, with 4,802 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,899 $1,116,225,000 $385,038 $0 8.48%
    Cash Out Refi 1,623 $423,845,000 $261,149 $0 6.53%
    Refi 278 $101,110,000 $363,705 $0 6.84%
    Home Improvement 2 $3,890,000 $1,945,000 $0 7.46%

    For 2022, Lima One Capital's most frequently cited loan purpose was Home Purchase, with 2,899 originations. The 2nd most popular reason was Cash Out Refi, with 1,623 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,395 $541,745,000 $226,198 $0 6.57%
    Other 2,380 $983,990,000 $413,441 $0 8.91%
    3 Year 16 $90,440,000 $5,652,500 $0 6.75%
    10 Year 6 $13,430,000 $2,238,333 $0 6.09%
    5 Year 4 $15,350,000 $3,837,500 $0 5.38%
    1 Year 1 $115,000 $115,000 $0 9.50%

    For 2022, Lima One Capital's most frequently cited loan duration was 30 Year, with 2,395 originations. The 2nd most popular length was Other, with 2,380 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 2,016 $625,370,000 $310,203
    7-8% 1,198 $397,720,000 $331,987
    6-7% 605 $258,335,000 $427,000
    5-6% 570 $234,970,000 $412,228
    4-5% 339 $103,395,000 $305,000
    3-4% 69 $23,075,000 $334,420

    During 2022, Lima One Capital's average interest rate for loans was 6.57%, while their most frequently originated rate bucket for loans was Over 8%, with 2,016 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,969 $277,475,000 $140,922 $0 7.82%
    $200k-400k 1,174 $320,410,000 $272,922 $0 8.02%
    $100,000 or less 928 $73,410,000 $79,106 $0 7.34%
    $400k-600k 281 $137,635,000 $489,804 $0 7.76%
    $1MM+ 269 $692,915,000 $2,575,892 $0 7.28%
    $600k-1MM 181 $143,225,000 $791,298 $0 7.44%

    2022 saw Lima One Capital place emphasis on $100k-200k loans with 1,969 originations, totaling $277,475,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 4,802 $1,645,070,000 $342,580 $0 7.73%

    Approval Rates

    Total approvals of all applications
    100.00%

    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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,802 $1,645,070,000 $342,580

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,802 $1,645,070,000 $342,580

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 25 $6,635,000 $265,400 $0 7.75%
    40-60% 474 $160,970,000 $339,599 $0 7.87%
    60-80% 3,414 $1,019,950,000 $298,755 $0 7.90%
    80-100% 272 $59,170,000 $217,537 $0 7.74%
    Over 100% 617 $398,345,000 $645,616 $0 6.64%