Capital Farm Credit Aca Mortgage Rates, Fees & Info

Bryan, TX

LEI: 254900S6K5I3OISPS518

Tax ID: 74-1110065

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

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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

    Capital Farm Credit Aca is a smaller mortgage company specializing in Home Purchase and Refi loans. Capital Farm Credit Aca has a high proportion of conventional loans. Their top markets by origination volume include: Houston, San Antonio, Levelland, Austin, and Bay City among others. We have data for 14 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Capital Farm Credit Aca has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Capital Farm Credit Aca is typically a high 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 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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    Originations

    39

    Origination Dollar Volume (All Markets)

    $8,165,000

    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
    Outside of Metro Areas 17 $3,725,000 $219,118 $34,206 5.79%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 6 $1,260,000 $210,000 $21,933 5.90%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $900,000 $225,000 $17,087 5.74%
    Levelland, TX (FHA|USDA|VA) 2 $480,000 $240,000 $32,690 5.65%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $295,000 $295,000 $12,009 5.95%
    Bay City, TX (FHA|USDA|VA) 1 $225,000 $225,000 $0 7.40%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $225,000 $225,000 $10,406 5.70%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $225,000 $225,000 $73,107 5.34%
    Palestine, TX (FHA|USDA|VA) 1 $195,000 $195,000 $7,527 6.20%
    El Campo, TX (FHA|USDA|VA) 1 $195,000 $195,000 $18,522 5.80%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $195,000 $195,000 $47,790 5.90%
    WACO, TX (FHA|USDA|VA) 1 $155,000 $155,000 $5,875 5.95%
    Snyder, TX (FHA|USDA|VA) 1 $45,000 $45,000 $5,624 5.10%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $45,000 $45,000 $4,489 7.20%
    Capital Farm Credit Aca's top markets include Houston, San Antonio, Levelland, Austin, and Bay City among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 39 $8,165,000 $209,359 $27,162 5.86%

    For 2018, Capital Farm Credit Aca's most frequently originated type of loan was Conventional, with 39 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 21 $4,205,000 $200,238 $21,013 5.89%
    Refi 12 $2,630,000 $219,167 $17,167 5.96%
    Other 4 $920,000 $230,000 $74,039 5.44%
    Home Improvement 2 $410,000 $205,000 $54,869 5.88%

    For 2018, Capital Farm Credit Aca's most frequently cited loan purpose was Home Purchase, with 21 originations. The 2nd most popular reason was Refi, with 12 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30+ year 17 $3,435,000 $202,059 $19,324 5.88%
    30 Year 12 $2,890,000 $240,833 $28,631 5.95%
    Other 7 $1,125,000 $160,714 $21,289 5.63%
    20 Year 2 $530,000 $265,000 $55,206 6.40%
    15 Year 1 $185,000 $185,000 $155,866 5.20%

    For 2018, Capital Farm Credit Aca's most frequently cited loan duration was 30+ year, with 17 originations. The 2nd most popular length was 30 Year, with 12 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $4k-5k 14 $3,060,000 $218,571
    $3k-4k 13 $2,085,000 $160,385
    $5k+ 7 $2,505,000 $357,857
    $2k-3k 4 $290,000 $72,500

    Capital Farm Credit Aca's average total fees were $28,631, while their most frequently occuring range of origination fees (closing costs) were in the $4k-5k bucket, with 14 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 33 $6,845,000 $207,424
    6-7% 4 $1,050,000 $262,500
    7-8% 2 $270,000 $135,000

    During 2018, Capital Farm Credit Aca's average interest rate for loans was 5.95%, while their most frequently originated rate bucket for loans was 5-6%, with 33 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 19 $4,975,000 $261,842 $33,538 5.82%
    $100k-200k 13 $2,185,000 $168,077 $29,412 5.88%
    $100,000 or less 6 $430,000 $71,667 $5,688 5.80%
    $400k-600k 1 $575,000 $575,000 $11,991 6.75%

    2018 saw Capital Farm Credit Aca place emphasis on $200k-400k loans with 19 originations, totaling $4,975,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 13 $2,005,000 $154,231 $15,720 5.80%
    $100k-150k 11 $2,845,000 $258,636 $16,843 6.11%
    $150k-250k 7 $1,805,000 $257,857 $37,202 5.68%
    $50k-75k 4 $500,000 $125,000 $20,220 5.83%
    $250k+ 3 $915,000 $305,000 $104,169 5.75%
    $50k or less 1 $95,000 $95,000 $5,577 5.75%

    Capital Farm Credit Aca lent most frequently to those with incomes in the $75k-100k range, with 13 originations. The second most popular income band? $100k-150k, with 11 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 7 $1,595,000 $227,857 $45,983 5.61%
    20-30% 6 $1,390,000 $231,667 $35,110 5.88%
    42% 4 $600,000 $150,000 $24,255 5.60%
    36% 4 $780,000 $195,000 $41,878 5.76%
    37% 4 $530,000 $132,500 $22,598 6.11%
    39% 3 $985,000 $328,333 $10,147 6.12%
    <20% 2 $570,000 $285,000 $10,080 5.88%
    38% 2 $450,000 $225,000 $8,942 5.95%
    40% 2 $290,000 $145,000 $20,540 5.83%
    44% 1 $95,000 $95,000 $5,577 5.75%
    46% 1 $185,000 $185,000 $10,542 6.10%
    50-60% 1 $255,000 $255,000 $11,577 5.50%

    Capital Farm Credit Aca lent most frequently to those with DTI ratios of 30-36%, with 7 originations. The next most common DTI ratio? 20-30%, with 6 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 33 $7,125,000 $215,909 $29,934 5.85%
    Not provided 4 $680,000 $170,000 $13,864 5.94%
    American Indian 1 $185,000 $185,000 $8,645 5.85%
    Not applicable 1 $175,000 $175,000 $10,174 5.90%

    Approval Rates

    Total approvals of all applications
    68.35%

    Capital Farm Credit Aca has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    -41.03%

    Capital Farm Credit Aca 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 39 $8,165,000 $209,359

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 1 $155,000 $155,000
    Single Family (1-4 Units):Site-Built 38 $8,010,000 $210,789

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 2 $90,000 $45,000 $5,057 6.15%
    40-60% 6 $1,210,000 $201,667 $37,967 5.69%
    60-80% 21 $5,145,000 $245,000 $28,213 5.82%
    80-100% 8 $1,340,000 $167,500 $18,745 6.02%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CAPITAL ONE FINANCIAL CORPORATION Other type of mortgage Trouble during payment process 12 16.2%
    CAPITAL ONE FINANCIAL CORPORATION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 1.4%
    CAPITAL ONE FINANCIAL CORPORATION Other type of mortgage Closing on a mortgage 2 2.7%
    CAPITAL ONE FINANCIAL CORPORATION Other type of mortgage Incorrect information on your report 2 2.7%
    CAPITAL ONE FINANCIAL CORPORATION Other type of mortgage Struggling to pay mortgage 2 2.7%
    CAPITAL ONE FINANCIAL CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 5.4%
    CAPITAL ONE FINANCIAL CORPORATION Conventional home mortgage Closing on a mortgage 2 2.7%
    CAPITAL ONE FINANCIAL CORPORATION Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 1.4%
    CAPITAL ONE FINANCIAL CORPORATION Conventional home mortgage Struggling to pay mortgage 8 10.8%
    CAPITAL ONE FINANCIAL CORPORATION Conventional home mortgage Trouble during payment process 21 28.4%
    CAPITAL ONE FINANCIAL CORPORATION FHA mortgage Struggling to pay mortgage 1 1.4%
    CAPITAL ONE FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 6 8.1%
    CAPITAL ONE FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Closing on a mortgage 3 4.1%
    CAPITAL ONE FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Incorrect information on your report 1 1.4%
    CAPITAL ONE FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Trouble during payment process 8 10.8%