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

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

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Mortgage Data

  • SimulatedRates™
  • Review & 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 by origination volume include: Los Angeles, Miami, Orlando, New York, and San Francisco among others. We have data for 162 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Athas Capital Group has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Athas Capital Group 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.

    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 8.83% 1/29/23
    30 Year Conventional Refi 8.06% 1/29/23
    30 Year Cash-out Refi 8.78% 1/29/23
    15 Year Conventional Refi 6.53% 1/29/23
    15 Year Cash-out Refi 6.53% 1/29/23
    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.


    Originations

    2,456

    Origination Dollar Volume (All Markets)

    $1,020,080,000

    Relative Rate

    Athas Capital Group's average 30 year fixed mortgage rate was 5.26%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 2.11%.

    Relative Fees (Closing Costs)

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

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

    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
    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.

    Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
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    Product Mix

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

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

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Athas Capital Group's most frequently cited loan purpose was Home Purchase, with 1,387 originations. The 2nd most popular reason was 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 2021, Athas Capital Group's most frequently cited loan duration was 30 Year, with 2,361 originations. The 2nd most popular length was 30+ year, with 31 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 419 $264,485,000 $631,229
    $4k-5k 30 $6,440,000 $214,667
    $3k-4k 11 $3,575,000 $325,000
    $2k-3k 6 $3,480,000 $580,000
    $1k-2k 5 $6,675,000 $1,335,000
    $<1k 1 $105,000 $105,000

    Athas Capital Group's average total fees were $15,298, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 5.26%, while their most frequently originated rate bucket for loans was 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 or Islander 7 $3,575,000 $510,714 $11,095 5.91%

    Approval Rates

    Total approvals of all applications
    72.97%

    Athas Capital Group has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    74.39%

    Athas Capital Group has a below average pick rate.

    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%