Athas Capital Group Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 549300EHQ0Y7SP41BR91

Tax ID: 20-8803449

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

Review & Overview

Athas Capital Group is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. Athas Capital Group 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: Los Angeles, Miami, San Francisco, Orlando, and New York among others. We have data for 171 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.

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%	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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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

2,154

Origination Dollar Volume (All Markets)

$760,590,000

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)	325	$167,045,000	$513,985	$13,697	7.05%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	258	$79,380,000	$307,674	$12,962	6.74%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	89	$52,515,000	$590,056	$15,683	7.20%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	198	$51,690,000	$261,061	$12,405	6.41%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	106	$50,030,000	$471,981	$14,626	7.45%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	112	$31,700,000	$283,036	$10,558	7.26%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	40	$27,590,000	$689,750	$17,746	6.97%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	44	$23,410,000	$532,045	$16,733	7.55%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	80	$20,570,000	$257,125	$10,837	7.50%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	29	$20,005,000	$689,828	$16,051	7.08%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	44	$12,540,000	$285,000	$8,171	7.07%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	45	$11,655,000	$259,000	$13,556	8.32%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	41	$11,185,000	$272,805	$9,746	7.50%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	26	$8,360,000	$321,538	$10,971	9.22%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	35	$8,075,000	$230,714	$9,146	7.31%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	35	$8,045,000	$229,857	$12,664	7.56%
Outside of Metro Areas	23	$7,685,000	$334,130	$10,615	7.53%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	34	$7,480,000	$220,000	$8,721	7.12%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	26	$6,600,000	$253,846	$6,949	6.13%
Glenwood Springs, CO (FHA\|USDA\|VA)	2	$6,560,000	$3,280,000	$0	8.25%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	18	$6,100,000	$338,889	$9,371	7.17%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	14	$5,770,000	$412,143	$9,652	7.65%
KAHULUI-WAILUKU-LAHAINA, HI (FHA\|USDA\|VA)	11	$5,385,000	$489,545	$0	6.86%
URBAN HONOLULU, HI (FHA\|USDA\|VA)	8	$5,200,000	$650,000	$0	7.14%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	14	$4,670,000	$333,571	$9,734	8.30%
STOCKTON, CA (FHA\|USDA\|VA)	14	$4,280,000	$305,714	$11,224	6.80%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	14	$3,600,000	$257,143	$11,280	6.83%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	16	$3,440,000	$215,000	$10,171	6.75%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	23	$3,425,000	$148,913	$9,418	7.18%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	9	$3,395,000	$377,222	$0	7.07%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	16	$3,370,000	$210,625	$17,415	6.58%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	9	$3,355,000	$372,778	$12,670	8.18%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	4	$2,980,000	$745,000	$19,340	5.90%
JACKSONVILLE, FL (FHA\|USDA\|VA)	12	$2,920,000	$243,333	$8,484	6.61%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	15	$2,855,000	$190,333	$10,407	8.15%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	5	$2,805,000	$561,000	$15,050	6.94%
SALINAS, CA (FHA\|USDA\|VA)	9	$2,795,000	$310,556	$0	7.51%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	12	$2,770,000	$230,833	$7,922	6.46%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	10	$2,620,000	$262,000	$13,930	7.05%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	5	$2,555,000	$511,000	$7,400	7.52%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	9	$2,555,000	$283,889	$7,744	7.61%
Kapaa, HI (FHA\|USDA\|VA)	2	$2,390,000	$1,195,000	$0	7.12%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	11	$2,285,000	$207,727	$0	7.39%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	4	$2,080,000	$520,000	$0	7.22%
MODESTO, CA (FHA\|USDA\|VA)	10	$1,910,000	$191,000	$8,142	7.50%
BAKERSFIELD, CA (FHA\|USDA\|VA)	11	$1,875,000	$170,455	$11,264	7.79%
SANTA CRUZ-WATSONVILLE, CA (FHA\|USDA\|VA)	3	$1,845,000	$615,000	$0	7.83%
CHICO, CA (FHA\|USDA\|VA)	9	$1,755,000	$195,000	$6,094	6.50%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	4	$1,730,000	$432,500	$12,624	6.44%
Key West, FL (FHA\|USDA\|VA)	3	$1,695,000	$565,000	$0	7.13%
PROVO-OREM, UT (FHA\|USDA\|VA)	5	$1,645,000	$329,000	$9,228	6.92%
NAPA, CA (FHA\|USDA\|VA)	3	$1,575,000	$525,000	$0	6.17%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	4	$1,440,000	$360,000	$8,887	7.68%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	8	$1,430,000	$178,750	$0	7.26%
Hilo, HI (FHA\|USDA\|VA)	3	$1,365,000	$455,000	$0	7.66%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	2	$1,330,000	$665,000	$6,645	7.93%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	4	$1,300,000	$325,000	$7,479	6.09%
FRESNO, CA (FHA\|USDA\|VA)	6	$1,210,000	$201,667	$9,546	8.19%
BELLINGHAM, WA (FHA\|USDA\|VA)	1	$1,165,000	$1,165,000	$0	9.49%
TUCSON, AZ (FHA\|USDA\|VA)	7	$1,135,000	$162,143	$7,129	6.86%
PITTSBURGH, PA (FHA\|USDA\|VA)	6	$1,100,000	$183,333	$7,966	6.04%
SALISBURY, MD-DE (FHA\|USDA\|VA)	3	$1,025,000	$341,667	$8,697	7.25%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	7	$995,000	$142,143	$5,883	7.52%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	4	$910,000	$227,500	$0	6.94%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	6	$890,000	$148,333	$6,703	6.33%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	5	$875,000	$175,000	$5,430	6.65%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	5	$875,000	$175,000	$0	7.69%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	4	$840,000	$210,000	$21,765	7.97%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	3	$835,000	$278,333	$9,394	7.29%
Truckee-Grass Valley, CA (FHA\|USDA\|VA)	3	$795,000	$265,000	$0	7.50%
VALLEJO, CA (FHA\|USDA\|VA)	2	$790,000	$395,000	$0	6.44%
YUBA CITY, CA (FHA\|USDA\|VA)	4	$770,000	$192,500	$5,017	7.84%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	3	$765,000	$255,000	$13,045	7.04%
BOISE CITY, ID (FHA\|USDA\|VA)	5	$745,000	$149,000	$4,724	8.30%
ASHEVILLE, NC (FHA\|USDA\|VA)	3	$725,000	$241,667	$0	5.91%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	3	$715,000	$238,333	$13,958	7.58%
NEW HAVEN-MILFORD, CT (FHA\|USDA\|VA)	5	$675,000	$135,000	$0	8.33%
MEDFORD, OR (FHA\|USDA\|VA)	2	$670,000	$335,000	$0	8.44%
PUNTA GORDA, FL (FHA\|USDA\|VA)	5	$665,000	$133,000	$7,333	6.87%
ST. GEORGE, UT (FHA\|USDA\|VA)	2	$650,000	$325,000	$7,009	6.19%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	1	$645,000	$645,000	$12,434	7.75%
OLYMPIA-LACEY-TUMWATER, WA (FHA\|USDA\|VA)	1	$635,000	$635,000	$14,109	7.13%
Ukiah, CA (FHA\|USDA\|VA)	2	$620,000	$310,000	$0	7.81%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	1	$585,000	$585,000	$15,885	5.24%
MACON-BIBB COUNTY, GA (FHA\|USDA\|VA)	2	$580,000	$290,000	$10,490	6.31%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	2	$570,000	$285,000	$7,209	6.68%
GREELEY, CO (FHA\|USDA\|VA)	2	$570,000	$285,000	$8,299	6.06%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	3	$565,000	$188,333	$7,009	10.04%
VISALIA, CA (FHA\|USDA\|VA)	3	$545,000	$181,667	$9,193	7.95%
Hailey, ID (FHA\|USDA\|VA)	1	$545,000	$545,000	$18,154	6.88%
MADERA, CA (FHA\|USDA\|VA)	2	$510,000	$255,000	$14,973	7.74%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	2	$500,000	$250,000	$0	6.26%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	3	$495,000	$165,000	$0	8.00%
REDDING, CA (FHA\|USDA\|VA)	3	$475,000	$158,333	$4,674	9.54%
YAKIMA, WA (FHA\|USDA\|VA)	2	$470,000	$235,000	$7,953	6.19%
Red Bluff, CA (FHA\|USDA\|VA)	2	$470,000	$235,000	$11,328	7.06%
PANAMA CITY, FL (FHA\|USDA\|VA)	2	$440,000	$220,000	$9,923	6.06%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	2	$430,000	$215,000	$0	6.69%
Edwards, CO (FHA\|USDA\|VA)	1	$425,000	$425,000	$0	7.25%
WINCHESTER, VA-WV (FHA\|USDA\|VA)	1	$395,000	$395,000	$0	8.50%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	6	$390,000	$65,000	$0	8.92%
Sebastian-Vero Beach, FL (FHA\|USDA\|VA)	2	$390,000	$195,000	$8,319	6.75%
PROVIDENCE-WARWICK, RI-MA (FHA\|USDA\|VA)	2	$370,000	$185,000	$8,030	6.81%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	1	$365,000	$365,000	$16,506	6.99%
Georgetown, SC (FHA\|USDA\|VA)	1	$365,000	$365,000	$0	6.63%
VICTORIA, TX (FHA\|USDA\|VA)	5	$355,000	$71,000	$0	8.50%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	3	$345,000	$115,000	$0	8.41%
SANTA FE, NM (FHA\|USDA\|VA)	1	$345,000	$345,000	$0	7.75%
SPARTANBURG, SC (FHA\|USDA\|VA)	3	$335,000	$111,667	$0	7.54%
ROCHESTER, NY (FHA\|USDA\|VA)	1	$335,000	$335,000	$0	7.75%
Sonora, CA (FHA\|USDA\|VA)	2	$320,000	$160,000	$7,455	9.62%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	2	$310,000	$155,000	$6,592	6.94%
Outside of Metro Areas	2	$300,000	$150,000	$0	6.06%
WARNER ROBINS, GA (FHA\|USDA\|VA)	1	$295,000	$295,000	$0	7.25%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	2	$280,000	$140,000	$0	8.13%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	2	$270,000	$135,000	$0	7.81%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	2	$260,000	$130,000	$0	7.37%
Clearlake, CA (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	6.88%
SALEM, OR (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	6.63%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	8.24%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	1	$235,000	$235,000	$7,435	5.13%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	1	$225,000	$225,000	$9,070	3.99%
LOUISVILLE, KY (FHA\|USDA\|VA)	1	$225,000	$225,000	$7,348	5.63%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	9.99%
WENATCHEE, WA (FHA\|USDA\|VA)	1	$215,000	$215,000	$7,114	6.99%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	7.99%
BATON ROUGE, LA (FHA\|USDA\|VA)	2	$210,000	$105,000	$8,438	8.19%
Payson, AZ (FHA\|USDA\|VA)	1	$205,000	$205,000	$8,377	7.75%
FORT COLLINS, CO (FHA\|USDA\|VA)	1	$205,000	$205,000	$6,080	4.99%
GRANTS PASS, OR (FHA\|USDA\|VA)	1	$205,000	$205,000	$7,389	4.99%
Aberdeen, WA (FHA\|USDA\|VA)	1	$195,000	$195,000	$7,517	6.99%
EL PASO, TX (FHA\|USDA\|VA)	2	$190,000	$95,000	$0	6.50%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	2	$190,000	$95,000	$0	7.95%
SAVANNAH, GA (FHA\|USDA\|VA)	1	$185,000	$185,000	$5,664	6.13%
ELMIRA, NY (FHA\|USDA\|VA)	3	$185,000	$61,667	$0	8.58%
Fredericksburg, TX (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	7.99%
MOUNT VERNON-ANACORTES, WA (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	10.25%
Clewiston, FL (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	7.99%
PORTLAND-SOUTH PORTLAND, ME (FHA\|USDA\|VA)	1	$165,000	$165,000	$5,456	6.38%
WORCESTER, MA-CT (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	6.75%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	1	$155,000	$155,000	$8,103	5.63%
LONGVIEW, WA (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	6.30%
Ellensburg, WA (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	7.38%
COLUMBIA, SC (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	9.50%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	9.99%
Steamboat Springs, CO (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	5.53%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	6.90%
BOULDER, CO (FHA\|USDA\|VA)	1	$135,000	$135,000	$6,744	7.25%
MANCHESTER-NASHUA, NH (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	7.99%
RENO, NV (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	8.63%
PUEBLO, CO (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	8.75%
EL CENTRO, CA (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	8.50%
BLACKSBURG-CHRISTIANSBURG, VA (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	7.88%
LUBBOCK, TX (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	9.99%
Augusta-Waterville, ME (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	8.25%
ALBANY-SCHENECTADY-TROY, NY (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	9.50%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	6.99%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	9.99%
KNOXVILLE, TN (FHA\|USDA\|VA)	1	$95,000	$95,000	$6,578	6.38%
Nogales, AZ (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	11.49%
SEBRING-AVON PARK, FL (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	8.74%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	7.18%
EAST STROUDSBURG, PA (FHA\|USDA\|VA)	1	$85,000	$85,000	$5,754	7.13%
Big Stone Gap, VA (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	8.75%
LAREDO, TX (FHA\|USDA\|VA)	1	$85,000	$85,000	$5,241	5.75%
MERCED, CA (FHA\|USDA\|VA)	1	$75,000	$75,000	$4,605	9.99%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	1	$75,000	$75,000	$5,160	9.49%
BURLINGTON, NC (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	8.25%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	8.75%
WATERTOWN-FORT DRUM, NY (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	8.63%
TALLAHASSEE, FL (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	8.63%

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

Their top states include:

California (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Washington (FHA|USDA|VA)

New York (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,153	$759,975,000	$352,984	$12,015	7.16%
FHA	1	$615,000	$615,000	$0	8.13%

For 2019, Athas Capital Group's most frequently originated type of loan was Conventional, with 2,153 originations. Their 2nd most popular type was FHA, with 1 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	1,033	$349,825,000	$338,650	$11,792	6.94%
Cash Out Refi	961	$344,095,000	$358,059	$12,072	7.34%
Refi	160	$66,670,000	$416,688	$13,206	7.51%

For 2019, Athas Capital Group's most frequently cited loan purpose was Home Purchase, with 1,033 originations. The 2nd most popular reason was Cash Out Refi, with 961 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,862	$628,350,000	$337,460	$11,621	6.86%
1 Year	123	$56,085,000	$455,976	$0	9.36%
Other	94	$34,620,000	$368,298	$0	9.92%
30+ year	41	$31,755,000	$774,512	$17,735	5.68%
3 Year	33	$9,485,000	$287,424	$0	9.46%
5 Year	1	$295,000	$295,000	$0	9.50%

For 2019, Athas Capital Group's most frequently cited loan duration was 30 Year, with 1,862 originations. The 2nd most popular length was 1 Year, with 123 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$5k+	511	$241,495,000	$472,593
$4k-5k	55	$11,015,000	$200,273
$3k-4k	31	$4,995,000	$161,129
$2k-3k	30	$4,790,000	$159,667
$1k-2k	8	$2,630,000	$328,750
$<1k	1	$435,000	$435,000

Athas Capital Group's average total fees were $11,621, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 511 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
6-7%	627	$199,535,000	$318,238
Over 8%	553	$183,005,000	$330,931
7-8%	438	$153,540,000	$350,548
5-6%	428	$165,970,000	$387,780
4-5%	101	$54,135,000	$535,990
3-4%	7	$4,405,000	$629,286

During 2019, Athas Capital Group's average interest rate for loans was 6.86%, while their most frequently originated rate bucket for loans was 6-7%, with 627 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	798	$226,680,000	$284,060	$10,302	7.07%
$100k-200k	635	$94,105,000	$148,197	$7,418	7.37%
$400k-600k	305	$146,795,000	$481,295	$13,537	6.90%
$600k-1MM	220	$168,450,000	$765,682	$16,921	6.80%
$100,000 or less	120	$8,690,000	$72,417	$5,036	8.08%
$1MM+	76	$115,870,000	$1,524,605	$27,362	6.96%

2019 saw Athas Capital Group place emphasis on $200k-400k loans with 798 originations, totaling $226,680,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$150k-250k	142	$74,340,000	$523,521	$14,246	6.07%
$100k-150k	129	$49,345,000	$382,519	$10,886	6.20%
$50k or less	97	$21,805,000	$224,794	$8,297	6.41%
$75k-100k	94	$30,940,000	$329,149	$10,770	5.93%
$250k+	90	$72,150,000	$801,667	$18,418	6.00%
$50k-75k	81	$16,205,000	$200,062	$8,768	6.43%

Athas Capital Group lent most frequently to those with incomes in the $150k-250k range, with 142 originations. The second most popular income band? $100k-150k, with 129 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
50-60%	157	$67,405,000	$429,331	$12,144	6.07%
30-36%	73	$28,875,000	$395,548	$12,377	6.46%
20-30%	70	$26,090,000	$372,714	$11,223	5.84%
<20%	53	$20,365,000	$384,245	$11,898	6.17%
49%	27	$10,705,000	$396,481	$13,149	6.24%
48%	26	$10,860,000	$417,692	$13,231	6.24%
47%	25	$10,335,000	$413,400	$11,860	6.33%
45%	22	$9,750,000	$443,182	$12,608	5.97%
46%	22	$15,290,000	$695,000	$16,690	6.02%
42%	20	$7,070,000	$353,500	$10,709	6.05%
39%	20	$6,500,000	$325,000	$10,705	6.30%
44%	17	$5,765,000	$339,118	$8,443	6.67%
43%	14	$6,100,000	$435,714	$10,751	6.51%
40%	14	$7,770,000	$555,000	$12,056	5.64%
41%	13	$5,495,000	$422,692	$12,035	6.29%
36%	12	$5,180,000	$431,667	$11,307	7.23%
37%	11	$4,505,000	$409,545	$11,303	6.17%
38%	10	$3,210,000	$321,000	$8,887	6.55%
>60%	3	$1,385,000	$461,667	$16,871	6.21%

Athas Capital Group lent most frequently to those with DTI ratios of 50-60%, with 157 originations. The next most common DTI ratio? 30-36%, with 73 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,229	$426,095,000	$346,701	$11,855	7.05%
Not provided	451	$163,715,000	$363,004	$13,206	7.36%
Asian	255	$102,925,000	$403,627	$11,669	6.86%
Black	201	$60,105,000	$299,030	$11,302	7.70%
Native Hawaiian or Islander	12	$4,550,000	$379,167	$6,494	7.98%
American Indian	3	$2,025,000	$675,000	$17,679	6.41%
Other Asian	2	$900,000	$450,000	$15,313	5.50%
Filipino	1	$275,000	$275,000	$0	6.99%

Approval Rates

Total approvals of all applications
60.57%

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

Pick Rate

Approvals leading to origination
30.87%

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	2,154	$760,590,000	$353,106

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	7	$2,705,000	$386,429
Single Family (1-4 Units):Site-Built	2,147	$757,885,000	$352,997

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	107	$29,705,000	$277,617	$9,845	7.06%
40-60%	406	$142,330,000	$350,567	$11,047	7.24%
60-80%	1,511	$541,815,000	$358,580	$12,761	7.20%
80-100%	120	$45,090,000	$375,750	$11,214	6.49%
Under 20%	10	$1,650,000	$165,000	$7,515	6.38%

Complaints

Bank Name	Product	Issue	2019 CPFB Complaints	% of Total Issues
ATHAS CAPITAL GROUP, INC.	Conventional home mortgage	Closing on a mortgage	2	50.0%
ATHAS CAPITAL GROUP, INC.	Other type of mortgage	Closing on a mortgage	2	50.0%