Athas Capital Group Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 549300EHQ0Y7SP41BR91

Tax ID: 20-8803449

1 stars - out of 5 stars, based on 50 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Athas Capital Group is a small mortgage company specializing in Home Purchase and Cash Out Refi loans. Athas Capital Group has a high proportion of conventional loans. Their top markets include Los Angeles, Miami, Orlando, New York, and San Francisco among others. Athas Capital Group has a below average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Athas Capital Group is typically a high fee lendor.


Originations

2,456

Origination Dollar Volume (All Markets)

$1,020,080,000

Relative Rate

Athas Capital Group 's average 30 year fixed rate mortgage of loans were 5.26%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 2.11%.

Relative Fees

Athas Capital Group 's average total fees for a 30 year fixed rate mortgage are $15,298.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 292 $214,640,000 $735,068 $20,965 5.20%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 406 $151,080,000 $372,118 $14,938 5.48%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 265 $77,415,000 $292,132 $14,535 5.29%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 116 $51,720,000 $445,862 $13,398 5.48%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 66 $47,720,000 $723,030 $18,574 5.32%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 97 $43,385,000 $447,268 $12,070 5.20%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 49 $35,085,000 $716,020 $20,028 4.69%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 65 $26,045,000 $400,692 $17,872 5.69%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 60 $22,810,000 $380,167 $12,225 4.76%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 73 $19,985,000 $273,767 $8,512 4.95%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 74 $19,210,000 $259,595 $14,819 5.20%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 30 $19,020,000 $634,000 $25,235 5.41%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 66 $17,460,000 $264,545 $13,006 6.04%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 18 $14,710,000 $817,222 $19,429 4.88%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 46 $13,200,000 $286,957 $11,724 5.26%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 39 $12,895,000 $330,641 $20,029 5.19%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 20 $11,270,000 $563,500 $24,703 4.70%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 23 $9,285,000 $403,696 $16,948 5.23%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 22 $8,270,000 $375,909 $12,538 5.98%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 11 $8,025,000 $729,545 $13,896 5.24%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 13 $7,315,000 $562,692 $0 5.60%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 21 $7,225,000 $344,048 $15,270 4.73%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 21 $6,755,000 $321,667 $10,893 5.51%
STOCKTON, CA (FHA|USDA|VA) 13 $6,605,000 $508,077 $16,296 5.17%
Key West, FL (FHA|USDA|VA) 8 $6,490,000 $811,250 $10,906 5.31%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 29 $6,155,000 $212,241 $9,719 5.20%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 18 $5,740,000 $318,889 $14,187 5.82%
URBAN HONOLULU, HI (FHA|USDA|VA) 9 $5,645,000 $627,222 $0 5.25%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 10 $5,430,000 $543,000 $20,775 4.70%
JACKSONVILLE, FL (FHA|USDA|VA) 11 $4,925,000 $447,727 $17,687 6.12%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 21 $4,695,000 $223,571 $12,117 5.15%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 13 $4,175,000 $321,154 $0 5.19%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 15 $4,135,000 $275,667 $9,229 5.77%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 5 $3,995,000 $799,000 $0 5.68%
WILMINGTON, NC (FHA|USDA|VA) 14 $3,680,000 $262,857 $0 4.32%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 7 $3,485,000 $497,857 $11,417 6.02%
PORT ST. LUCIE, FL (FHA|USDA|VA) 14 $3,150,000 $225,000 $11,489 6.28%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 20 $3,120,000 $156,000 $15,596 3.95%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 9 $3,035,000 $337,222 $9,928 5.08%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 10 $3,030,000 $303,000 $11,123 4.83%
VALLEJO, CA (FHA|USDA|VA) 6 $2,750,000 $458,333 $30,360 6.33%
Outside of Metro Areas 6 $2,560,000 $426,667 $16,045 5.42%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 11 $2,425,000 $220,455 $12,809 5.60%
RALEIGH-CARY, NC (FHA|USDA|VA) 7 $2,405,000 $343,571 $0 5.09%
PANAMA CITY, FL (FHA|USDA|VA) 9 $2,385,000 $265,000 $0 4.68%
TUCSON, AZ (FHA|USDA|VA) 5 $2,355,000 $471,000 $9,038 4.58%
OKLAHOMA CITY, OK (FHA|USDA|VA) 8 $2,300,000 $287,500 $0 4.27%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 4 $2,210,000 $552,500 $15,054 5.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 10 $2,210,000 $221,000 $0 5.71%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 9 $2,015,000 $223,889 $13,105 5.96%
SALINAS, CA (FHA|USDA|VA) 2 $1,820,000 $910,000 $21,521 4.69%
BAKERSFIELD, CA (FHA|USDA|VA) 7 $1,785,000 $255,000 $0 6.05%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 5 $1,785,000 $357,000 $10,630 5.88%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $1,715,000 $245,000 $8,633 6.02%
KANSAS CITY, MO-KS (FHA|USDA|VA) 8 $1,690,000 $211,250 $0 5.72%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $1,685,000 $1,685,000 $0 5.13%
PROVO-OREM, UT (FHA|USDA|VA) 5 $1,635,000 $327,000 $8,554 5.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $1,630,000 $407,500 $0 6.59%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 6 $1,610,000 $268,333 $0 6.44%
PUNTA GORDA, FL (FHA|USDA|VA) 6 $1,600,000 $266,667 $0 4.65%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 4 $1,530,000 $382,500 $12,052 6.94%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $1,530,000 $255,000 $8,833 5.10%
HUNTSVILLE, AL (FHA|USDA|VA) 8 $1,530,000 $191,250 $0 4.08%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 4 $1,520,000 $380,000 $15,560 4.13%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $1,520,000 $760,000 $20,700 4.13%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 7 $1,465,000 $209,286 $9,193 5.48%
NAPA, CA (FHA|USDA|VA) 2 $1,370,000 $685,000 $29,254 6.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $1,360,000 $340,000 $0 5.84%
SALT LAKE CITY, UT (FHA|USDA|VA) 6 $1,360,000 $226,667 $17,514 4.33%
MODESTO, CA (FHA|USDA|VA) 5 $1,355,000 $271,000 $14,811 5.40%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $1,320,000 $660,000 $0 5.43%
Glenwood Springs, CO (FHA|USDA|VA) 2 $1,310,000 $655,000 $15,593 3.75%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $1,295,000 $259,000 $0 5.80%
BOISE CITY, ID (FHA|USDA|VA) 3 $1,255,000 $418,333 $10,446 6.13%
Breckenridge, CO (FHA|USDA|VA) 3 $1,195,000 $398,333 $0 5.13%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 5 $1,135,000 $227,000 $0 4.85%
BOULDER, CO (FHA|USDA|VA) 2 $1,110,000 $555,000 $11,150 3.94%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 4 $1,020,000 $255,000 $10,369 5.38%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $20,355 3.13%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $1,000,000 $500,000 $11,759 4.38%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $990,000 $247,500 $0 4.66%
Heber, UT (FHA|USDA|VA) 2 $970,000 $485,000 $16,008 4.06%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $950,000 $237,500 $8,464 6.97%
EL CENTRO, CA (FHA|USDA|VA) 3 $875,000 $291,667 $8,801 4.91%
OCALA, FL (FHA|USDA|VA) 5 $865,000 $173,000 $6,130 5.90%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $865,000 $288,333 $7,850 5.46%
SAVANNAH, GA (FHA|USDA|VA) 3 $835,000 $278,333 $11,066 5.13%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $820,000 $410,000 $0 3.88%
MADERA, CA (FHA|USDA|VA) 3 $785,000 $261,667 $11,085 5.21%
SPRINGFIELD, MA (FHA|USDA|VA) 3 $765,000 $255,000 $0 6.42%
CORPUS CHRISTI, TX (FHA|USDA|VA) 4 $730,000 $182,500 $6,950 4.53%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 4 $670,000 $167,500 $10,645 6.53%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $625,000 $625,000 $0 8.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $620,000 $310,000 $0 6.56%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $615,000 $615,000 $26,290 5.25%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $605,000 $605,000 $0 6.38%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $600,000 $300,000 $0 6.69%
RICHMOND, VA (FHA|USDA|VA) 3 $595,000 $198,333 $0 6.42%
PITTSBURGH, PA (FHA|USDA|VA) 2 $550,000 $275,000 $13,675 4.81%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 3 $505,000 $168,333 $7,848 6.96%
SALEM, OR (FHA|USDA|VA) 2 $480,000 $240,000 $9,968 6.44%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $480,000 $240,000 $8,511 6.00%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $460,000 $230,000 $0 5.37%
Sonora, CA (FHA|USDA|VA) 1 $455,000 $455,000 $16,400 7.13%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $435,000 $435,000 $10,116 5.25%
VISALIA, CA (FHA|USDA|VA) 2 $430,000 $215,000 $0 5.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $425,000 $141,667 $0 4.17%
MERCED, CA (FHA|USDA|VA) 3 $405,000 $135,000 $6,670 6.58%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $400,000 $200,000 $0 7.56%
YUBA CITY, CA (FHA|USDA|VA) 2 $400,000 $200,000 $0 5.69%
YAKIMA, WA (FHA|USDA|VA) 1 $395,000 $395,000 $11,409 5.38%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $395,000 $131,667 $5,198 6.88%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $385,000 $385,000 $0 5.00%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 3 $375,000 $125,000 $6,432 8.17%
BATON ROUGE, LA (FHA|USDA|VA) 1 $355,000 $355,000 $12,880 5.13%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $345,000 $345,000 $11,113 6.75%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $345,000 $345,000 $14,854 7.75%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $335,000 $335,000 $0 4.13%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $325,000 $325,000 $17,361 6.63%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $325,000 $325,000 $0 4.88%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $325,000 $325,000 $0 5.13%
Edwards, CO (FHA|USDA|VA) 1 $325,000 $325,000 $0 5.25%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $315,000 $315,000 $0 4.25%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.75%
REDDING, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 6.63%
KNOXVILLE, TN (FHA|USDA|VA) 1 $285,000 $285,000 $0 7.63%
Hilo, HI (FHA|USDA|VA) 1 $275,000 $275,000 $0 8.63%
FORT COLLINS, CO (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.88%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.75%
Torrington, CT (FHA|USDA|VA) 2 $260,000 $130,000 $6,436 5.19%
ROCHESTER, NY (FHA|USDA|VA) 2 $260,000 $130,000 $0 4.33%
ROCHESTER, MN (FHA|USDA|VA) 1 $255,000 $255,000 $0 7.63%
Concord, NH (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.99%
TUSCALOOSA, AL (FHA|USDA|VA) 2 $230,000 $115,000 $0 4.13%
LAFAYETTE, LA (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.75%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $225,000 $225,000 $0 6.88%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $225,000 $225,000 $8,011 4.00%
LAS CRUCES, NM (FHA|USDA|VA) 1 $215,000 $215,000 $0 6.50%
ST. GEORGE, UT (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.00%
Sanford, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 7.38%
TWIN FALLS, ID (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.63%
AMES, IA (FHA|USDA|VA) 1 $205,000 $205,000 $8,889 7.50%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.88%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.75%
Morehead City, NC (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.50%
FARMINGTON, NM (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.13%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.38%
ASHEVILLE, NC (FHA|USDA|VA) 1 $175,000 $175,000 $0 6.25%
Steamboat Springs, CO (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.75%
Brainerd, MN (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.38%
PITTSFIELD, MA (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.88%
LAWTON, OK (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.00%
Meadville, PA (FHA|USDA|VA) 1 $135,000 $135,000 $7,408 5.63%
Bonham, TX (FHA|USDA|VA) 1 $135,000 $135,000 $5,973 5.25%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $135,000 $135,000 $6,108 7.00%
TULSA, OK (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.88%
GRANTS PASS, OR (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.75%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $115,000 $115,000 $6,663 7.74%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $105,000 $105,000 $0 11.50%
Price, UT (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.50%
GREENVILLE, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.25%
ENID, OK (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.00%

Athas Capital Group 's top markets include Los Angeles, Miami, Orlando, New York, and San Francisco among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 2,456 $1,020,080,000 $415,342 $15,909 5.33%

For the 2021 period, Athas Capital Group 's most frequently originated loan type of loans were Conventional, with 2,456 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,387 $551,375,000 $397,531 $16,402 5.41%
Cash Out Refi 755 $318,575,000 $421,954 $15,726 5.34%
Refi 314 $150,130,000 $478,121 $14,655 4.96%

For the 2021, Athas Capital Group 's most frequently cited loan purpose of loans were Home Purchase, with 1,387 originations. The 2nd most popular reason of loans were Cash Out Refi, with 755 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 2,361 $945,975,000 $400,667 $15,298 5.26%
30+ year 31 $35,825,000 $1,155,645 $25,061 5.07%
1 Year 22 $11,200,000 $509,091 $0 8.67%
3 Year 21 $11,635,000 $554,048 $0 8.25%
Other 20 $15,340,000 $767,000 $0 8.34%
15 Year 1 $105,000 $105,000 $1,275 3.25%

For the 2021, Athas Capital Group 's most frequently cited loan length of loans were 30 Year, with 2,361 originations. The 2nd most popular length of loans were 30+ year, with 31 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$5k+ 419 $264,485,000 $631,229
$3k-4k 41 $10,015,000 $244,268
$2k-3k 6 $3,480,000 $580,000
$1k-2k 5 $6,675,000 $1,335,000
$<1k 1 $105,000 $105,000

$15,298 of loans were Athas Capital Group 's average total fees, while their most frequently occuring range of origination fees were in the $5k+ bucket, with 419 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
4-5% 723 $291,965,000 $403,824
5-6% 602 $253,610,000 $421,279
3-4% 483 $215,435,000 $446,035
6-7% 361 $145,835,000 $403,975
7-8% 179 $68,905,000 $384,944
Over 8% 103 $41,305,000 $401,019
2.5-3% 5 $3,025,000 $605,000

During 2021, Athas Capital Group 's average interest rate of loans were 5.26%, while their most frequently originated rate bucket of loans were 4-5%, with 723 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 1,009 $290,915,000 $288,320 $10,894 5.35%
$100k-200k 614 $91,750,000 $149,430 $7,238 5.41%
$400k-600k 394 $189,980,000 $482,183 $14,804 5.26%
$600k-1MM 297 $224,535,000 $756,010 $20,649 5.34%
$1MM+ 140 $222,710,000 $1,590,786 $29,427 5.07%
$100,000 or less 2 $190,000 $95,000 $0 5.06%

2021 saw Athas Capital Group place emphasis on $200k-400k loans with 1,009 originations, totaling $290,915,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$250k+ 155 $156,675,000 $1,010,806 $21,935 4.79%
$150k-250k 112 $63,910,000 $570,625 $16,544 5.09%
$100k-150k 83 $33,305,000 $401,265 $12,961 5.30%
$75k-100k 58 $18,770,000 $323,621 $11,490 5.58%
$50k-75k 45 $12,525,000 $278,333 $10,278 5.32%
$50k or less 30 $5,300,000 $176,667 $7,882 5.18%

Athas Capital Group lent most frequently to those with incomes in the $250k+ range, with 155 originations. The second most popular income band? $150k-250k, with 112 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 74 $41,550,000 $561,486 $14,913 4.90%
50-60% 72 $32,810,000 $455,694 $14,326 5.71%
30-36% 66 $46,360,000 $702,424 $18,654 4.96%
<20% 64 $46,620,000 $728,438 $15,827 4.75%
49% 25 $14,905,000 $596,200 $16,211 4.64%
42% 23 $13,785,000 $599,348 $16,427 5.37%
47% 22 $13,940,000 $633,636 $18,195 5.21%
45% 19 $11,275,000 $593,421 $15,553 5.50%
48% 19 $12,795,000 $673,421 $18,442 4.81%
40% 18 $9,020,000 $501,111 $16,394 5.01%
37% 12 $8,010,000 $667,500 $14,782 5.00%
39% 12 $8,700,000 $725,000 $13,675 5.47%
46% 12 $4,880,000 $406,667 $12,159 5.67%
36% 12 $5,570,000 $464,167 $16,569 5.18%
44% 11 $7,085,000 $644,091 $15,320 5.23%
38% 8 $4,260,000 $532,500 $13,715 4.89%
43% 6 $5,540,000 $923,333 $17,090 5.19%
41% 5 $2,495,000 $499,000 $13,334 5.70%

Athas Capital Group lent most frequently to those with DTI ratios of 20-30%, with 74 originations. The next most common DTI ratio? 50-60%, with 72 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 1,322 $544,660,000 $411,997 $14,830 5.28%
Not provided 590 $249,340,000 $422,610 $17,424 5.42%
Asian 316 $147,230,000 $465,918 $17,287 4.91%
Black 210 $71,230,000 $339,190 $17,777 6.00%
American Indian 11 $4,045,000 $367,727 $13,612 5.93%
Native Hawaiian 7 $3,575,000 $510,714 $11,095 5.91%

Approval Rates

Total approvals of all applications
60.35%

Athas Capital Group has a low approval rate. They may have poor market targeting or stringent lending standards.

Pick Rate

Approvals leading to origination
48.71%

Athas Capital Group 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 2,456 $1,020,080,000 $415,342

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
2,456 $1,020,080,000 $415,342

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 71 $30,155,000 $424,718 $13,583 5.15%
40-60% 427 $187,055,000 $438,068 $15,132 4.99%
60-80% 1,795 $716,615,000 $399,228 $16,197 5.40%
80-100% 157 $84,865,000 $540,541 $16,900 5.63%
Under 20% 6 $1,390,000 $231,667 $4,107 4.17%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
ATHAS CAPITAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
ATHAS CAPITAL GROUP, INC. Conventional home mortgage Trouble during payment process 1 50.0%