Athas Capital Group Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 549300EHQ0Y7SP41BR91

Tax ID: 20-8803449

1 stars - Updated: 2/25/24 - out of 5 stars, based on 54 reviews

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

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Mortgage Data

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 Riverside among others. We have data for 213 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 9.31% 2/25/24
30 Year Conventional Refi 8.77% 2/25/24
30 Year Cash-out Refi 9.05% 2/25/24
15 Year Conventional Purchase 5.68% 2/25/24
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.

Athas Capital Group Mortgage Calculator






Your Estimates

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

This is not an official calculator from Athas Capital Group. 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

2,872

Origination Dollar Volume (All Markets)

$1,202,580,000

Relative Rate

Athas Capital Group's average 30 year fixed mortgage rate was 7.14%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 2.38%.

Relative Fees (Closing Costs)

Athas Capital Group's average total fees/closing costs for a 30 year fixed rate mortgage were $15,801.

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) 257 $199,065,000 $774,572 $21,259 6.86%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 396 $156,680,000 $395,657 $18,087 7.07%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 274 $82,430,000 $300,839 $11,883 6.99%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 149 $80,035,000 $537,148 $17,946 7.96%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 123 $48,775,000 $396,545 $15,137 6.74%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 64 $44,750,000 $699,219 $16,167 6.90%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 148 $43,150,000 $291,554 $18,700 7.31%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 38 $36,200,000 $952,632 $16,778 7.76%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 63 $31,405,000 $498,492 $29,044 7.42%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 46 $28,960,000 $629,565 $16,234 6.41%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 80 $27,710,000 $346,375 $15,547 6.95%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 69 $24,465,000 $354,565 $10,430 6.81%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 68 $22,660,000 $333,235 $9,439 7.31%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 52 $21,050,000 $404,808 $12,350 6.94%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 32 $15,550,000 $485,938 $17,213 6.51%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 44 $14,100,000 $320,455 $13,485 7.69%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 14 $12,550,000 $896,429 $19,640 7.05%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 25 $11,855,000 $474,200 $17,571 7.89%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 41 $11,665,000 $284,512 $11,729 6.30%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 12 $10,770,000 $897,500 $16,032 8.22%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 20 $9,070,000 $453,500 $13,181 7.72%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 52 $8,670,000 $166,731 $7,183 7.31%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 38 $8,560,000 $225,263 $12,876 7.26%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 12 $8,110,000 $675,833 $17,124 8.34%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 15 $7,995,000 $533,000 $14,365 7.13%
URBAN HONOLULU, HI (FHA|USDA|VA) 16 $7,760,000 $485,000 $0 6.53%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 21 $7,745,000 $368,810 $13,686 7.09%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 27 $7,595,000 $281,296 $11,388 8.26%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 9 $7,085,000 $787,222 $0 6.84%
PANAMA CITY, FL (FHA|USDA|VA) 20 $6,730,000 $336,500 $7,456 7.31%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 17 $6,465,000 $380,294 $18,634 7.93%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 15 $6,055,000 $403,667 $14,039 7.29%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 8 $5,840,000 $730,000 $14,568 7.32%
STOCKTON, CA (FHA|USDA|VA) 19 $5,735,000 $301,842 $11,952 7.73%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 13 $5,625,000 $432,692 $17,856 7.82%
PORT ST. LUCIE, FL (FHA|USDA|VA) 24 $5,530,000 $230,417 $7,679 8.13%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 13 $5,445,000 $418,846 $24,308 7.14%
RENO, NV (FHA|USDA|VA) 8 $5,180,000 $647,500 $20,884 8.05%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 14 $4,770,000 $340,714 $11,582 6.45%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 11 $4,685,000 $425,909 $24,018 6.84%
Key West, FL (FHA|USDA|VA) 4 $4,480,000 $1,120,000 $0 6.94%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 17 $3,955,000 $232,647 $16,427 8.52%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 14 $3,850,000 $275,000 $9,225 6.90%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 15 $3,755,000 $250,333 $10,927 7.68%
KANSAS CITY, MO-KS (FHA|USDA|VA) 12 $3,750,000 $312,500 $0 7.38%
JACKSONVILLE, FL (FHA|USDA|VA) 11 $3,545,000 $322,273 $18,171 7.17%
SALT LAKE CITY, UT (FHA|USDA|VA) 8 $3,240,000 $405,000 $13,725 7.38%
Outside of Metro Areas 10 $3,230,000 $323,000 $12,570 7.86%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 13 $3,115,000 $239,615 $0 7.97%
SALINAS, CA (FHA|USDA|VA) 3 $2,935,000 $978,333 $17,279 7.82%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 12 $2,870,000 $239,167 $11,256 7.88%
NAPA, CA (FHA|USDA|VA) 6 $2,850,000 $475,000 $16,118 8.44%
BAKERSFIELD, CA (FHA|USDA|VA) 11 $2,815,000 $255,909 $11,108 6.76%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 6 $2,650,000 $441,667 $14,863 6.10%
OCALA, FL (FHA|USDA|VA) 8 $2,490,000 $311,250 $6,900 7.17%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 6 $2,440,000 $406,667 $0 6.90%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 3 $2,395,000 $798,333 $0 5.04%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 10 $2,260,000 $226,000 $0 7.01%
VISALIA, CA (FHA|USDA|VA) 10 $2,050,000 $205,000 $8,166 8.79%
Vineyard Haven, MA (FHA|USDA|VA) 2 $1,980,000 $990,000 $0 6.38%
Hilo, HI (FHA|USDA|VA) 3 $1,765,000 $588,333 $0 6.67%
TUCSON, AZ (FHA|USDA|VA) 6 $1,760,000 $293,333 $11,241 8.95%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 6 $1,690,000 $281,667 $0 9.37%
FRESNO, CA (FHA|USDA|VA) 8 $1,660,000 $207,500 $10,170 8.00%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $1,580,000 $790,000 $21,390 4.75%
PROVO-OREM, UT (FHA|USDA|VA) 4 $1,580,000 $395,000 $9,208 7.81%
RALEIGH-CARY, NC (FHA|USDA|VA) 6 $1,570,000 $261,667 $9,346 7.46%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,495,000 $299,000 $13,414 7.00%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 5 $1,475,000 $295,000 $0 9.18%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 6 $1,450,000 $241,667 $11,989 8.16%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $1,430,000 $715,000 $0 9.13%
HUNTSVILLE, AL (FHA|USDA|VA) 7 $1,425,000 $203,571 $0 4.43%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $1,380,000 $345,000 $0 7.94%
MODESTO, CA (FHA|USDA|VA) 4 $1,290,000 $322,500 $16,295 8.46%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $1,285,000 $428,333 $22,736 9.54%
BOULDER, CO (FHA|USDA|VA) 2 $1,280,000 $640,000 $0 6.44%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 8 $1,200,000 $150,000 $0 5.38%
ST. GEORGE, UT (FHA|USDA|VA) 2 $1,150,000 $575,000 $0 7.94%
SALEM, OR (FHA|USDA|VA) 4 $1,130,000 $282,500 $13,086 8.52%
Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $1,105,000 $368,333 $12,548 5.67%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $1,075,000 $358,333 $11,372 7.54%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 5 $1,065,000 $213,000 $11,990 6.03%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 6 $1,060,000 $176,667 $0 7.38%
Jackson, WY-ID (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 8.50%
VALLEJO, CA (FHA|USDA|VA) 3 $995,000 $331,667 $12,324 9.08%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $975,000 $195,000 $13,635 7.93%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $960,000 $240,000 $0 8.47%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 3 $955,000 $318,333 $12,305 6.79%
BELLINGHAM, WA (FHA|USDA|VA) 2 $940,000 $470,000 $0 5.31%
RICHMOND, VA (FHA|USDA|VA) 4 $940,000 $235,000 $0 7.56%
OCEAN CITY, NJ (FHA|USDA|VA) 3 $935,000 $311,667 $0 8.17%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $920,000 $230,000 $0 6.81%
EL CENTRO, CA (FHA|USDA|VA) 3 $855,000 $285,000 $0 5.33%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $840,000 $420,000 $0 6.88%
READING, PA (FHA|USDA|VA) 1 $835,000 $835,000 $0 11.50%
Morehead City, NC (FHA|USDA|VA) 1 $805,000 $805,000 $0 6.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $795,000 $265,000 $10,565 7.58%
CORVALLIS, OR (FHA|USDA|VA) 2 $790,000 $395,000 $0 11.00%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $750,000 $375,000 $16,111 6.69%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $735,000 $245,000 $7,893 7.83%
SAVANNAH, GA (FHA|USDA|VA) 4 $730,000 $182,500 $0 6.07%
Breckenridge, CO (FHA|USDA|VA) 1 $705,000 $705,000 $0 10.74%
KNOXVILLE, TN (FHA|USDA|VA) 5 $705,000 $141,000 $9,945 6.69%
GAINESVILLE, FL (FHA|USDA|VA) 4 $690,000 $172,500 $7,888 8.22%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $690,000 $345,000 $0 8.25%
MERCED, CA (FHA|USDA|VA) 2 $690,000 $345,000 $0 7.73%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $670,000 $167,500 $5,136 8.56%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 3 $635,000 $211,667 $0 9.75%
PITTSBURGH, PA (FHA|USDA|VA) 4 $630,000 $157,500 $0 7.14%
BOISE CITY, ID (FHA|USDA|VA) 2 $620,000 $310,000 $8,028 7.56%
GREELEY, CO (FHA|USDA|VA) 2 $610,000 $305,000 $18,057 8.79%
WILMINGTON, NC (FHA|USDA|VA) 1 $605,000 $605,000 $0 8.96%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $605,000 $201,667 $0 8.54%
WORCESTER, MA-CT (FHA|USDA|VA) 3 $595,000 $198,333 $0 7.21%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $595,000 $198,333 $0 9.67%
Eureka-Arcata, CA (FHA|USDA|VA) 2 $590,000 $295,000 $0 8.50%
Torrington, CT (FHA|USDA|VA) 3 $545,000 $181,667 $0 9.25%
FORT COLLINS, CO (FHA|USDA|VA) 1 $535,000 $535,000 $11,043 10.38%
COLUMBIA, SC (FHA|USDA|VA) 2 $530,000 $265,000 $10,507 9.17%
MONTGOMERY, AL (FHA|USDA|VA) 4 $490,000 $122,500 $0 4.22%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $490,000 $245,000 $0 9.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $490,000 $245,000 $15,611 5.00%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $490,000 $245,000 $0 8.50%
Sevierville, TN (FHA|USDA|VA) 1 $485,000 $485,000 $0 6.00%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $485,000 $161,667 $9,238 8.04%
BINGHAMTON, NY (FHA|USDA|VA) 1 $485,000 $485,000 $0 8.38%
MOBILE, AL (FHA|USDA|VA) 2 $470,000 $235,000 $9,397 6.44%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $450,000 $225,000 $0 5.44%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $450,000 $225,000 $0 4.69%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $445,000 $445,000 $0 8.46%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $445,000 $148,333 $0 9.50%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $440,000 $220,000 $0 9.88%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $440,000 $110,000 $0 9.31%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $435,000 $435,000 $16,118 8.25%
GAINESVILLE, GA (FHA|USDA|VA) 2 $430,000 $215,000 $0 8.87%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $420,000 $210,000 $9,630 7.75%
Cedar City, UT (FHA|USDA|VA) 2 $420,000 $210,000 $0 5.38%
YAKIMA, WA (FHA|USDA|VA) 2 $420,000 $210,000 $5,019 6.88%
WICHITA, KS (FHA|USDA|VA) 2 $410,000 $205,000 $0 5.52%
SPARTANBURG, SC (FHA|USDA|VA) 2 $410,000 $205,000 $0 6.56%
MADERA, CA (FHA|USDA|VA) 2 $360,000 $180,000 $0 6.44%
Red Bluff, CA (FHA|USDA|VA) 1 $355,000 $355,000 $0 9.13%
ITHACA, NY (FHA|USDA|VA) 1 $335,000 $335,000 $0 5.99%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $325,000 $325,000 $0 10.63%
YUBA CITY, CA (FHA|USDA|VA) 2 $320,000 $160,000 $0 7.19%
Lumberton, NC (FHA|USDA|VA) 1 $315,000 $315,000 $0 7.88%
LAREDO, TX (FHA|USDA|VA) 1 $315,000 $315,000 $0 10.75%
Heber, UT (FHA|USDA|VA) 1 $315,000 $315,000 $0 6.00%
LOGAN, UT-ID (FHA|USDA|VA) 1 $305,000 $305,000 $10,113 4.25%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $300,000 $150,000 $0 11.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $295,000 $295,000 $0 9.17%
THE VILLAGES, FL (FHA|USDA|VA) 1 $275,000 $275,000 $8,375 7.38%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.63%
Shelton, WA (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $265,000 $265,000 $0 10.50%
Kapaa, HI (FHA|USDA|VA) 1 $265,000 $265,000 $0 5.88%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $265,000 $265,000 $10,175 7.99%
APPLETON, WI (FHA|USDA|VA) 1 $255,000 $255,000 $7,911 10.38%
TYLER, TX (FHA|USDA|VA) 1 $255,000 $255,000 $0 7.75%
DULUTH, MN-WI (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.99%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $255,000 $255,000 $0 7.88%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.25%
DUBUQUE, IA (FHA|USDA|VA) 1 $245,000 $245,000 $6,343 7.38%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $245,000 $245,000 $0 8.50%
Klamath Falls, OR (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.38%
CHICO, CA (FHA|USDA|VA) 1 $245,000 $245,000 $0 8.63%
Roseburg, OR (FHA|USDA|VA) 1 $235,000 $235,000 $9,079 6.00%
ROCHESTER, NY (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.88%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $230,000 $115,000 $6,657 7.88%
ROME, GA (FHA|USDA|VA) 2 $230,000 $115,000 $0 8.25%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $215,000 $215,000 $0 6.50%
KINGSTON, NY (FHA|USDA|VA) 1 $215,000 $215,000 $0 9.00%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $215,000 $215,000 $0 11.38%
WACO, TX (FHA|USDA|VA) 2 $210,000 $105,000 $0 9.31%
Mountain Home, ID (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.63%
Clewiston, FL (FHA|USDA|VA) 1 $205,000 $205,000 $0 9.38%
LAWTON, OK (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.38%
TWIN FALLS, ID (FHA|USDA|VA) 1 $195,000 $195,000 $7,303 9.10%
LOUISVILLE, KY (FHA|USDA|VA) 1 $185,000 $185,000 $5,191 7.88%
DOVER, DE (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.88%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $185,000 $185,000 $5,225 12.50%
Safford, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $6,505 10.88%
LONGVIEW, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.75%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.88%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.80%
WENATCHEE, WA (FHA|USDA|VA) 1 $175,000 $175,000 $0 6.38%
WALLA WALLA, WA (FHA|USDA|VA) 1 $165,000 $165,000 $0 11.00%
JACKSON, MS (FHA|USDA|VA) 1 $165,000 $165,000 $0 9.38%
GREENVILLE, NC (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.49%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.63%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.88%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $155,000 $155,000 $6,093 9.99%
Georgetown, SC (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.50%
Oneonta, NY (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.25%
IOWA CITY, IA (FHA|USDA|VA) 1 $135,000 $135,000 $5,297 10.92%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $135,000 $135,000 $0 8.38%
LANCASTER, PA (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.13%
BATON ROUGE, LA (FHA|USDA|VA) 1 $135,000 $135,000 $0 9.75%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $135,000 $135,000 $6,864 9.99%
TULSA, OK (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.99%
Gloversville, NY (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.74%
Calhoun, GA (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.25%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $115,000 $115,000 $5,679 11.10%
GADSDEN, AL (FHA|USDA|VA) 1 $115,000 $115,000 $6,206 8.13%
Clearlake, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.99%
LUBBOCK, TX (FHA|USDA|VA) 1 $105,000 $105,000 $6,457 8.38%
LAWRENCE, KS (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.75%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.50%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $105,000 $105,000 $6,196 6.00%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.00%
HINESVILLE, GA (FHA|USDA|VA) 1 $95,000 $95,000 $5,860 6.38%
Athas Capital Group's top markets include Los Angeles, Miami, Orlando, New York, and Riverside among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,872 $1,202,580,000 $418,726 $16,077 7.23%

    For 2022, Athas Capital Group's most frequently originated type of loan was Conventional, with 2,872 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,689 $693,055,000 $410,335 $17,656 7.41%
    Cash Out Refi 959 $399,845,000 $416,940 $14,356 7.07%
    Refi 224 $109,680,000 $489,643 $13,937 6.57%

    For 2022, Athas Capital Group's most frequently cited loan purpose was Home Purchase, with 1,689 originations. The 2nd most popular reason was Cash Out Refi, with 959 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,606 $1,026,810,000 $394,018 $15,801 7.14%
    Other 79 $40,545,000 $513,228 $0 8.46%
    3 Year 59 $34,785,000 $589,576 $0 8.37%
    5 Year 53 $38,475,000 $725,943 $0 7.60%
    1 Year 43 $37,645,000 $875,465 $0 8.76%
    30+ year 32 $24,320,000 $760,000 $20,448 7.02%

    For 2022, Athas Capital Group's most frequently cited loan duration was 30 Year, with 2,606 originations. The 2nd most popular length was Other, with 79 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 491 $285,025,000 $580,499
    $4k-5k 29 $4,855,000 $167,414
    $3k-4k 11 $2,215,000 $201,364
    $2k-3k 6 $2,520,000 $420,000
    $1k-2k 1 $425,000 $425,000

    Athas Capital Group's average total fees were $15,801, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 491 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 981 $401,625,000 $409,404
    7-8% 557 $231,735,000 $416,041
    6-7% 499 $229,055,000 $459,028
    5-6% 331 $126,045,000 $380,801
    4-5% 285 $119,755,000 $420,193
    3-4% 210 $91,350,000 $435,000
    2.5-3% 6 $2,270,000 $378,333
    % 3 $745,000 $248,333

    During 2022, Athas Capital Group's average interest rate for loans was 7.14%, while their most frequently originated rate bucket for loans was Over 8%, with 981 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,229 $356,065,000 $289,719 $11,487 7.16%
    $100k-200k 678 $101,640,000 $149,912 $7,657 7.33%
    $400k-600k 496 $236,550,000 $476,915 $15,498 7.29%
    $600k-1MM 311 $235,265,000 $756,479 $19,961 7.17%
    $1MM+ 151 $272,405,000 $1,804,007 $37,834 7.28%
    $100,000 or less 7 $655,000 $93,571 $5,582 8.47%

    2022 saw Athas Capital Group place emphasis on $200k-400k loans with 1,229 originations, totaling $356,065,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 176 $165,160,000 $938,409 $23,228 7.14%
    $150k-250k 116 $56,540,000 $487,414 $15,561 7.52%
    $100k-150k 88 $33,380,000 $379,318 $13,112 6.87%
    $75k-100k 71 $21,065,000 $296,690 $10,939 6.97%
    $50k-75k 59 $13,715,000 $232,458 $9,786 7.68%
    $50k or less 25 $4,075,000 $163,000 $8,073 7.28%

    Athas Capital Group lent most frequently to those with incomes in the $250k+ range, with 176 originations. The second most popular income band? $150k-250k, with 116 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 85 $52,115,000 $613,118 $17,446 6.91%
    20-30% 85 $50,395,000 $592,882 $16,913 6.99%
    50-60% 75 $37,885,000 $505,133 $13,481 7.48%
    30-36% 50 $30,000,000 $600,000 $18,908 7.07%
    49% 28 $12,810,000 $457,500 $15,587 7.35%
    43% 22 $12,660,000 $575,455 $15,864 7.22%
    47% 20 $11,120,000 $556,000 $16,391 7.19%
    41% 19 $7,655,000 $402,895 $13,338 7.82%
    48% 18 $11,850,000 $658,333 $16,812 6.99%
    46% 17 $10,665,000 $627,353 $16,502 7.70%
    45% 16 $9,160,000 $572,500 $15,371 7.34%
    36% 16 $9,030,000 $564,375 $18,463 6.50%
    40% 15 $8,185,000 $545,667 $16,188 7.08%
    39% 15 $8,565,000 $571,000 $17,734 7.86%
    38% 14 $6,220,000 $444,286 $14,708 7.46%
    42% 13 $4,265,000 $328,077 $11,529 7.56%
    44% 11 $4,115,000 $374,091 $13,262 6.94%
    37% 11 $6,005,000 $545,909 $15,917 7.32%
    >60% 1 $255,000 $255,000 $10,943 7.50%

    Athas Capital Group lent most frequently to those with DTI ratios of <20%, with 85 originations. The next most common DTI ratio? 20-30%, with 85 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,491 $609,795,000 $408,984 $16,347 7.25%
    Not provided 727 $312,475,000 $429,814 $16,427 7.24%
    Asian 367 $174,035,000 $474,210 $14,750 6.56%
    Black 271 $100,965,000 $372,565 $15,037 8.03%
    Native Hawaiian or Islander 8 $2,510,000 $313,750 $13,379 6.61%
    American Indian 6 $1,860,000 $310,000 $21,905 6.61%
    Other Asian 1 $485,000 $485,000 $8,076 7.87%
    Filipino 1 $455,000 $455,000 $0 10.00%

    Approval Rates

    Total approvals of all applications
    70.35%

    Athas Capital Group has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    89.00%

    Athas Capital Group has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,872 $1,202,580,000 $418,726

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,872 $1,202,580,000 $418,726

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 91 $37,115,000 $407,857 $12,797 6.85%
    40-60% 436 $201,420,000 $461,972 $15,045 6.82%
    60-80% 2,105 $828,535,000 $393,603 $15,332 7.27%
    80-100% 230 $132,910,000 $577,870 $19,404 7.83%
    Under 20% 10 $2,600,000 $260,000 $9,215 6.11%