Athas Capital Group Mortgage Rates, Fees & Info
Sacramento, CALEI: 549300EHQ0Y7SP41BR91
Tax ID: 20-8803449
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Mortgage Data
Review & Overview
Athas Capital Group is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Athas Capital Group has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, San Francisco, New York, Riverside, and San Jose among others. We have data for 120 markets. (Some data included below & more in-depth data is available with an active subscription.)Athas Capital Group 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. 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 9.31% | 3/24/24 |
| 30 Year Conventional Refi | 8.77% | 3/24/24 |
| 30 Year Cash-out Refi | 9.05% | 3/24/24 |
| 15 Year Conventional Purchase | 5.68% | 3/24/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,455Origination Dollar Volume (All Markets)
$579,355,000Top 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) | 361 | $202,575,000 | $561,150 | $15,619 | 730.37% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 96 | $50,450,000 | $525,521 | $16,090 | 8.39% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 87 | $44,045,000 | $506,264 | $0 | 8.03% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 134 | $37,950,000 | $283,209 | $10,826 | 8.43% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 43 | $29,395,000 | $683,605 | $16,685 | 7.47% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 43 | $20,155,000 | $468,721 | $12,296 | 7.97% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 69 | $19,455,000 | $281,957 | $0 | 8.24% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 20 | $17,230,000 | $861,500 | $13,902 | 8.18% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 56 | $14,980,000 | $267,500 | $9,170 | 7.87% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 27 | $12,845,000 | $475,741 | $0 | 9.25% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 44 | $12,220,000 | $277,727 | $9,469 | 8.92% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 71 | $11,985,000 | $168,803 | $7,454 | 8.43% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 30 | $7,410,000 | $247,000 | $8,554 | 8.79% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 21 | $5,465,000 | $260,238 | $10,358 | 8.65% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 5 | $4,225,000 | $845,000 | $0 | 8.17% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 6 | $4,080,000 | $680,000 | $0 | 7.45% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 13 | $3,855,000 | $296,538 | $8,842 | 8.35% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 20 | $3,840,000 | $192,000 | $9,246 | 8.87% |
| VALLEJO, CA (FHA|USDA|VA) | 10 | $3,400,000 | $340,000 | $11,520 | 8.35% |
| STOCKTON, CA (FHA|USDA|VA) | 10 | $3,300,000 | $330,000 | $16,137 | 8.52% |
| Outside of Metro Areas | 11 | $3,185,000 | $289,545 | $8,386 | 8.31% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 6 | $3,170,000 | $528,333 | $319,672 | 7.39% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 14 | $2,460,000 | $175,714 | $6,513 | 8.93% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $2,270,000 | $1,135,000 | $0 | 10.24% |
| Heber, UT (FHA|USDA|VA) | 2 | $2,250,000 | $1,125,000 | $0 | 8.74% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 11 | $2,145,000 | $195,000 | $0 | 8.18% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 12 | $2,080,000 | $173,333 | $6,114 | 8.74% |
| BOISE CITY, ID (FHA|USDA|VA) | 7 | $2,055,000 | $293,571 | $8,425 | 8.77% |
| SALINAS, CA (FHA|USDA|VA) | 6 | $2,030,000 | $338,333 | $9,665 | 7.31% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 3 | $1,755,000 | $585,000 | $15,288 | 7.49% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 8 | $1,710,000 | $213,750 | $0 | 7.76% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $9,957 | 7.85% |
| FRESNO, CA (FHA|USDA|VA) | 10 | $1,700,000 | $170,000 | $6,330 | 8.82% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 12 | $1,680,000 | $140,000 | $0 | 8.15% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $0 | 8.21% |
| Edwards, CO (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 6.49% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $1,480,000 | $370,000 | $0 | 9.03% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 11 | $1,385,000 | $125,909 | $6,506 | 9.57% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $1,355,000 | $1,355,000 | $0 | 6.85% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 7 | $1,275,000 | $182,143 | $0 | 10.40% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $0 | 9.08% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $0 | 9.12% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $1,120,000 | $560,000 | $4,125 | 7.61% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $0 | 11.12% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $0 | 10.37% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $0 | 8.72% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $6,346 | 7.17% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $0 | 8.50% |
| MODESTO, CA (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $7,088 | 9.60% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $3,773 | 8.66% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $7,354 | 7.40% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $0 | 9.41% |
| NAPA, CA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $0 | 8.75% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $0 | 7.95% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 7 | $685,000 | $97,857 | $0 | 8.71% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $0 | 8.79% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $0 | 10.20% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $0 | 7.99% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $0 | 9.24% |
| BEND, OR (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $11,461 | 7.50% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $0 | 9.12% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 11.50% |
| MERCED, CA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $12,844 | 7.50% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 8.81% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 7.87% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 7.99% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 8.99% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $0 | 8.04% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 8.75% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $7,079 | 7.66% |
| Astoria, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 9.50% |
| STAUNTON, VA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 9.06% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $0 | 8.54% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $0 | 8.50% |
| MADERA, CA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 9.74% |
| Sonora, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 8.99% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 9.99% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 6.50% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 9.25% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 7.37% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 8.81% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 7.25% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 8.25% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,749 | 6.13% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 9.99% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 9.49% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 10.99% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.99% |
| Key West, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 6.94% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 9.50% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 7.00% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 11.49% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 9.50% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 10.75% |
| CHICO, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.99% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 9.25% |
| Athens, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 9.49% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 6.49% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 6.25% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.88% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 6.38% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 8.75% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 10.99% |
| Outside of Metro Areas | 1 | $175,000 | $175,000 | $0 | 6.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 8.63% |
| SALEM, OR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 8.50% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.50% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.50% |
| TYLER, TX (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 6.75% |
| Kearney, NE (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.99% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.99% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.63% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.38% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.38% |
| McComb, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.75% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.99% |
| OCALA, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.50% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.50% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.25% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,455 | $579,355,000 | $398,182 | $15,948 | 187.39% |
For 2018, Athas Capital Group's most frequently originated type of loan was Conventional, with 1,455 originations.
Loan Reason
For 2018, Athas Capital Group's most frequently cited loan purpose was Cash Out Refi, with 767 originations. The 2nd most popular reason was Home Purchase, with 514 originations.
Loan Duration/Length
For 2018, Athas Capital Group's most frequently cited loan duration was 30 Year, with 834 originations. The 2nd most popular length was 1 Year, with 264 originations.
Origination Fees/Closing Costs
Athas Capital Group's average total fees were $15,948, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 212 originations.
Interest Rates
During 2018, Athas Capital Group's average interest rate for loans was 7.50%, while their most frequently originated rate bucket for loans was Over 8%, with 808 originations.
Loan Sizing
2018 saw Athas Capital Group place emphasis on $200k-400k loans with 525 originations, totaling $149,735,000 in origination value.
Applicant Income
Athas Capital Group lent most frequently to those with incomes in the $150k-250k range, with 55 originations. The second most popular income band? $100k-150k, with 52 originations.
Applicant Debt to Income Ratio
Athas Capital Group lent most frequently to those with DTI ratios of 50-60%, with 52 originations. The next most common DTI ratio? 20-30%, with 30 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications59.65%
Athas Capital Group has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination43.30%
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 | 1,455 | $579,355,000 | $398,182 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 17 | $8,425,000 | $495,588 |
| Single Family (1-4 Units):Site-Built | 1,438 | $570,930,000 | $397,031 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| ATHAS CAPITAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 1 | 50.0% |
| ATHAS CAPITAL GROUP, INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |