Capstone Direct Mortgage Rates, Fees & Info
THOUSAND OAKS, CALEI: 5493008WOGGD8641UC13
Tax ID: 20-8207683
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Mortgage Data
Review & Overview
Capstone Direct is a smaller mortgage company specializing in Refi and Home Purchase loans. Capstone Direct has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Oxnard, Los Angeles, San Diego, Riverside, and San Francisco among others. We have data for 24 markets. (Some data included below & more in-depth data is available with an active subscription.)Capstone Direct 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. Capstone Direct 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.02% | 5/4/24 |
| 30 Year Conventional Purchase | 6.54% | 5/4/24 |
| 30 Year Conventional Refi | 6.44% | 5/4/24 |
| 30 Year Cash-out Refi | 6.51% | 5/4/24 |
| 30 Year FHA Purchase | 6.67% | 5/4/24 |
| 30 Year VA Purchase | 5.88% | 5/4/24 |
| 15 Year Conventional Refi | 5.68% | 5/4/24 |
| 15 Year Cash-out Refi | 5.68% | 5/4/24 |
| 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. | ||
Capstone Direct Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
934Origination Dollar Volume (All Markets)
$405,320,000Awards
CAPSTONE DIRECT - 2020
CAPSTONE DIRECT is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 557 | $252,575,000 | $453,456 | $4,190 | 3.02% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 226 | $96,680,000 | $427,788 | $3,723 | 3.01% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 53 | $22,235,000 | $419,528 | $3,631 | 2.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 38 | $12,130,000 | $319,211 | $3,423 | 3.16% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 8 | $3,760,000 | $470,000 | $2,982 | 2.91% |
| Outside of Metro Areas | 8 | $2,920,000 | $365,000 | $3,883 | 3.11% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 6 | $2,470,000 | $411,667 | $3,237 | 3.29% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $1,825,000 | $608,333 | $3,832 | 2.63% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $3,311 | 3.09% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $2,953 | 2.95% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $3,812 | 2.58% |
| Ukiah, CA (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $2,719 | 3.21% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $3,822 | 2.91% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $3,472 | 3.13% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $3,503 | 2.94% |
| BEND, OR (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,439 | 2.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,530 | 2.63% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $1,895 | 3.38% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,661 | 2.25% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,032 | 2.25% |
| Outside of Metro Areas | 1 | $265,000 | $265,000 | $3,258 | 2.88% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,065 | 2.63% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,276 | 3.50% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,806 | 2.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against CAPSTONE DIRECT based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2020, Capstone Direct's most frequently originated type of loan was Conventional, with 884 originations. Their 2nd most popular type was VA, with 32 originations.
Loan Reason
For 2020, Capstone Direct's most frequently cited loan purpose was Refi, with 555 originations. The 2nd most popular reason was Home Purchase, with 215 originations.
Loan Duration/Length
For 2020, Capstone Direct's most frequently cited loan duration was 30 Year, with 853 originations. The 2nd most popular length was 15 Year, with 65 originations.
Origination Fees/Closing Costs
Capstone Direct's average total fees were $4,062, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 780 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 456 | $198,360,000 | $435,000 |
| 3-4% | 335 | $151,915,000 | $453,478 |
| <2.5% | 121 | $47,135,000 | $389,545 |
| 4-5% | 16 | $7,360,000 | $460,000 |
| 5-6% | 6 | $550,000 | $91,667 |
During 2020, Capstone Direct's average interest rate for loans was 3.05%, while their most frequently originated rate bucket for loans was 2.5-3%, with 456 originations.
Loan Sizing
2020 saw Capstone Direct place emphasis on $400k-600k loans with 409 originations, totaling $196,315,000 in origination value.
Applicant Income
Capstone Direct lent most frequently to those with incomes in the $100k-150k range, with 289 originations. The second most popular income band? $150k-250k, with 241 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.28%
Capstone Direct has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination77.94%
Capstone Direct has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 934 | $405,320,000 | $433,961 |