Titan Mortgage Capital Rates, Fees & Info

Redding, CA

LEI: 254900RKT0MP4YLDNX14

Tax ID: 94-3164202

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Titan Mortgage Capital is a smaller mortgage company specializing in Refi and Home Purchase loans. Titan Mortgage Capital has a high proportion of conventional loans. Their top (well, only) market is Anchorage.

    Titan Mortgage Capital has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Titan Mortgage Capital is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average 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 6.37% 11/22/24
    30 Year Conventional Refi 6.45% 11/22/24
    30 Year Cash-out Refi 6.27% 11/22/24
    30 Year VA Purchase 6.27% 11/22/24
    15 Year Conventional Purchase 5.68% 11/22/24
    15 Year Conventional Refi 5.31% 11/22/24
    15 Year Cash-out Refi 5.31% 11/22/24
    15 Year VA Refi 5.51% 11/22/24
    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.

    Titan Mortgage Capital Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Titan Mortgage 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

    127

    Origination Dollar Volume (All Markets)

    $38,645,000
    Show all (8) awards

    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
    ANCHORAGE, AK (FHA|USDA|VA) 126 $38,480,000 $305,397 $2,326 2.55%
    Outside of Metro Areas 1 $165,000 $165,000 $1,277 2.25%
    Titan Mortgage Capital's top markets include and Anchorage among others.

    Their top states include:
  • Alaska (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Titan Mortgage Capital based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Titan Mortgage Capital, Inc.
    Similarity Rank: 14
    MATANUSKA VALLEY FEDERAL CREDIT UNION
    Similarity Rank: 148
    GUARANTY MORTGAGE SERVICE, INC.
    Similarity Rank: 216
    CREDIT UNION 1
    Similarity Rank: 345
    First National Bank Alaska
    Similarity Rank: 900
    Chickasaw Community Bank
    Similarity Rank: 2860
    RESIDENTIAL MORTGAGE, LLC
    Similarity Rank: 3380
    Alaska USA Mortgage Company LLC
    Similarity Rank: 3813
    Strong Home Mortgage, LLC
    Similarity Rank: 4992
    NuVision Federal Credit Union
    Similarity Rank: 5376

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 93 $26,525,000 $285,215 $2,006 2.66%
    VA 34 $12,120,000 $356,471 $3,171 2.25%

    For 2021, Titan Mortgage Capital's most frequently originated type of loan was Conventional, with 93 originations. Their 2nd most popular type was VA, with 34 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 85 $26,315,000 $309,588 $2,366 2.47%
    Home Purchase 34 $10,080,000 $296,471 $2,061 2.72%
    Cash Out Refi 8 $2,250,000 $281,250 $2,899 2.64%

    For 2021, Titan Mortgage Capital's most frequently cited loan purpose was Refi, with 85 originations. The 2nd most popular reason was Home Purchase, with 34 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 93 $30,015,000 $322,742 $2,396 2.65%
    15 Year 32 $8,380,000 $261,875 $2,150 2.27%
    10 Year 2 $250,000 $125,000 $1,349 2.25%

    For 2021, Titan Mortgage Capital's most frequently cited loan duration was 30 Year, with 93 originations. The 2nd most popular length was 15 Year, with 32 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 125 $37,905,000 $303,240
    $1k-2k 1 $385,000 $385,000
    $5k+ 1 $355,000 $355,000

    Titan Mortgage Capital's average total fees were $2,396, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 125 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 69 $21,125,000 $306,159
    2.5-3% 46 $15,230,000 $331,087
    3-4% 12 $2,290,000 $190,833

    During 2021, Titan Mortgage Capital's average interest rate for loans was 2.65%, while their most frequently originated rate bucket for loans was <2.5%, with 69 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 68 $20,710,000 $304,559 $2,326 2.50%
    $100k-200k 29 $4,445,000 $153,276 $1,458 2.68%
    $400k-600k 26 $12,620,000 $485,385 $3,238 2.50%
    $100,000 or less 3 $245,000 $81,667 $1,292 3.00%
    $600k-1MM 1 $625,000 $625,000 $5,813 2.25%

    2021 saw Titan Mortgage Capital place emphasis on $200k-400k loans with 68 originations, totaling $20,710,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 32 $10,540,000 $329,375 $2,951 2.34%
    $100k-150k 28 $7,970,000 $284,643 $2,096 2.58%
    $150k-250k 17 $6,395,000 $376,176 $2,416 2.68%
    $75k-100k 13 $3,295,000 $253,462 $1,834 2.65%
    $50k-75k 11 $2,705,000 $245,909 $2,009 2.72%
    $250k+ 3 $1,475,000 $491,667 $2,321 2.29%

    Titan Mortgage Capital lent most frequently to those with incomes in the $50k or less range, with 32 originations. The second most popular income band? $100k-150k, with 28 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 35 $11,815,000 $337,571 $2,965 2.29%
    20-30% 23 $6,555,000 $285,000 $1,748 2.61%
    30-36% 19 $4,815,000 $253,421 $1,730 2.66%
    39% 4 $1,340,000 $335,000 $2,296 2.84%
    36% 4 $1,400,000 $350,000 $2,162 2.47%
    47% 3 $925,000 $308,333 $2,835 2.92%
    37% 2 $630,000 $315,000 $2,582 3.25%
    40% 2 $810,000 $405,000 $2,548 2.00%
    42% 2 $710,000 $355,000 $5,716 2.56%
    43% 2 $440,000 $220,000 $1,483 2.88%
    44% 2 $710,000 $355,000 $2,612 2.75%
    38% 2 $950,000 $475,000 $3,191 2.63%
    45% 2 $600,000 $300,000 $2,276 3.00%
    49% 1 $345,000 $345,000 $1,989 2.13%
    41% 1 $245,000 $245,000 $1,514 2.00%
    46% 1 $305,000 $305,000 $1,844 2.75%
    48% 1 $485,000 $485,000 $3,296 2.75%

    Titan Mortgage Capital lent most frequently to those with DTI ratios of <20%, with 35 originations. The next most common DTI ratio? 20-30%, with 23 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 96 $29,660,000 $308,958 $2,363 2.53%
    Not applicable 21 $5,565,000 $265,000 $1,986 2.63%
    American Indian 5 $1,585,000 $317,000 $2,740 2.63%
    Asian 4 $1,440,000 $360,000 $2,020 2.59%
    Native Hawaiian or Islander 1 $395,000 $395,000 $4,045 2.25%

    Approval Rates

    Total approvals of all applications
    96.07%

    Titan Mortgage 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
    65.35%

    Titan Mortgage Capital has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 127 $38,645,000 $304,291

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    127 $38,645,000 $304,291

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 5 $735,000 $147,000 $1,393 2.38%
    40-60% 15 $3,445,000 $229,667 $1,574 2.47%
    60-80% 63 $18,895,000 $299,921 $2,155 2.69%
    80-100% 43 $15,475,000 $359,884 $2,943 2.40%
    Under 20% 1 $95,000 $95,000 $1,471 2.25%