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

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Mortgage 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. Their top markets by origination volume include: Los Angeles, Miami, Orlando, New York, and San Francisco among others. We have data for 142 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.

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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






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

1,206

Origination Dollar Volume (All Markets)

$455,510,000

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) 156 $90,870,000 $582,500 $14,215 6.27%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 178 $71,640,000 $402,472 $15,682 6.50%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 129 $32,685,000 $253,372 $9,865 6.29%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 67 $27,735,000 $413,955 $9,928 7.16%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 36 $20,870,000 $579,722 $16,185 6.45%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 31 $16,025,000 $516,935 $12,197 6.79%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 49 $15,105,000 $308,265 $12,042 6.48%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 22 $14,440,000 $656,364 $12,600 7.09%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 34 $9,280,000 $272,941 $15,723 7.08%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 23 $7,915,000 $344,130 $17,147 6.89%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 37 $7,395,000 $199,865 $7,434 5.73%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 24 $7,160,000 $298,333 $12,953 5.73%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 13 $6,415,000 $493,462 $15,996 6.79%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 7 $6,035,000 $862,143 $19,572 6.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 4 $5,350,000 $1,337,500 $34,568 6.69%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 12 $5,280,000 $440,000 $13,689 7.19%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 18 $5,200,000 $288,889 $9,496 5.72%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 22 $5,040,000 $229,091 $10,101 7.13%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 15 $4,465,000 $297,667 $7,026 7.01%
URBAN HONOLULU, HI (FHA|USDA|VA) 7 $3,995,000 $570,714 $0 6.51%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 7 $3,755,000 $536,429 $18,883 7.38%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 14 $3,750,000 $267,857 $13,124 7.38%
Heber, UT (FHA|USDA|VA) 2 $3,700,000 $1,850,000 $0 5.30%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 14 $3,510,000 $250,714 $10,226 6.69%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $3,385,000 $1,128,333 $86,070 6.13%
STOCKTON, CA (FHA|USDA|VA) 10 $3,240,000 $324,000 $11,607 6.91%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 14 $3,070,000 $219,286 $8,385 6.45%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $2,660,000 $443,333 $10,226 6.49%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 12 $2,370,000 $197,500 $11,526 6.69%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 10 $2,330,000 $233,000 $11,947 6.72%
SALT LAKE CITY, UT (FHA|USDA|VA) 4 $1,820,000 $455,000 $11,388 6.53%
VALLEJO, CA (FHA|USDA|VA) 4 $1,820,000 $455,000 $11,259 6.78%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $1,695,000 $1,695,000 $0 6.53%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,680,000 $420,000 $10,157 6.91%
SALINAS, CA (FHA|USDA|VA) 3 $1,605,000 $535,000 $15,477 7.50%
ASHEVILLE, NC (FHA|USDA|VA) 2 $1,590,000 $795,000 $0 6.81%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $1,530,000 $765,000 $0 5.88%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 6 $1,520,000 $253,333 $0 7.52%
COLORADO SPRINGS, CO (FHA|USDA|VA) 4 $1,460,000 $365,000 $8,635 7.69%
Key West, FL (FHA|USDA|VA) 2 $1,230,000 $615,000 $0 6.95%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 4 $1,230,000 $307,500 $13,690 6.38%
PORT ST. LUCIE, FL (FHA|USDA|VA) 7 $1,155,000 $165,000 $6,836 7.15%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $1,130,000 $565,000 $9,326 6.56%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,090,000 $545,000 $15,848 6.00%
BAKERSFIELD, CA (FHA|USDA|VA) 6 $1,070,000 $178,333 $0 7.19%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,065,000 $213,000 $13,818 6.83%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 4 $960,000 $240,000 $7,256 7.01%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 3 $945,000 $315,000 $14,207 6.54%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $920,000 $460,000 $11,986 8.18%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 5 $895,000 $179,000 $7,534 6.15%
MODESTO, CA (FHA|USDA|VA) 3 $855,000 $285,000 $21,608 7.54%
ST. GEORGE, UT (FHA|USDA|VA) 2 $850,000 $425,000 $8,828 7.56%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 3 $845,000 $281,667 $0 8.71%
Outside of Metro Areas 3 $835,000 $278,333 $7,605 7.13%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $825,000 $165,000 $6,179 6.65%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $800,000 $400,000 $0 8.12%
EL PASO, TX (FHA|USDA|VA) 7 $785,000 $112,143 $0 7.16%
NAPA, CA (FHA|USDA|VA) 1 $785,000 $785,000 $0 11.50%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $735,000 $735,000 $0 9.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $735,000 $245,000 $0 6.79%
PANAMA CITY, FL (FHA|USDA|VA) 2 $680,000 $340,000 $7,050 8.25%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 3 $675,000 $225,000 $7,194 7.61%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $630,000 $315,000 $7,842 6.31%
Hilo, HI (FHA|USDA|VA) 2 $600,000 $300,000 $0 5.56%
MERCED, CA (FHA|USDA|VA) 3 $595,000 $198,333 $10,259 6.91%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 2 $590,000 $295,000 $0 9.44%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $585,000 $195,000 $0 7.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $585,000 $585,000 $0 8.25%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 6 $560,000 $93,333 $4,326 7.35%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $540,000 $270,000 $0 7.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $530,000 $265,000 $0 7.50%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $520,000 $260,000 $8,183 5.00%
SALEM, OR (FHA|USDA|VA) 1 $515,000 $515,000 $0 5.88%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $490,000 $245,000 $10,679 7.31%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $480,000 $240,000 $7,570 7.31%
Aberdeen, WA (FHA|USDA|VA) 1 $455,000 $455,000 $13,279 6.75%
PITTSBURGH, PA (FHA|USDA|VA) 2 $450,000 $225,000 $9,951 5.81%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $440,000 $220,000 $0 7.43%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $440,000 $220,000 $14,707 8.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $435,000 $435,000 $0 6.88%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $435,000 $435,000 $11,906 5.99%
JACKSONVILLE, FL (FHA|USDA|VA) 4 $430,000 $107,500 $0 7.79%
Edwards, CO (FHA|USDA|VA) 1 $425,000 $425,000 $0 7.99%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $420,000 $210,000 $0 6.50%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $415,000 $415,000 $9,156 4.99%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $410,000 $205,000 $12,368 6.19%
LONGVIEW, TX (FHA|USDA|VA) 1 $395,000 $395,000 $10,453 5.38%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $385,000 $128,333 $0 5.92%
AMARILLO, TX (FHA|USDA|VA) 4 $380,000 $95,000 $0 6.65%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $370,000 $185,000 $0 8.38%
GAINESVILLE, GA (FHA|USDA|VA) 1 $365,000 $365,000 $10,768 5.88%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $360,000 $180,000 $7,869 7.25%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $355,000 $355,000 $10,205 6.99%
FRESNO, CA (FHA|USDA|VA) 2 $340,000 $170,000 $0 7.06%
Sevierville, TN (FHA|USDA|VA) 1 $335,000 $335,000 $0 7.75%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $325,000 $325,000 $9,652 7.75%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $325,000 $325,000 $8,158 8.00%
LOGAN, UT-ID (FHA|USDA|VA) 1 $315,000 $315,000 $6,112 5.63%
VISALIA, CA (FHA|USDA|VA) 2 $310,000 $155,000 $7,877 6.94%
YUBA CITY, CA (FHA|USDA|VA) 1 $305,000 $305,000 $9,770 5.50%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $295,000 $295,000 $0 7.38%
Newport, OR (FHA|USDA|VA) 1 $295,000 $295,000 $0 7.88%
OCALA, FL (FHA|USDA|VA) 2 $280,000 $140,000 $7,197 6.44%
REDDING, CA (FHA|USDA|VA) 1 $275,000 $275,000 $0 11.88%
WILMINGTON, NC (FHA|USDA|VA) 2 $260,000 $130,000 $0 6.31%
RENO, NV (FHA|USDA|VA) 1 $255,000 $255,000 $0 6.13%
READING, PA (FHA|USDA|VA) 1 $255,000 $255,000 $0 8.25%
Elko, NV (FHA|USDA|VA) 1 $245,000 $245,000 $6,715 4.38%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $240,000 $60,000 $0 8.50%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $235,000 $235,000 $0 6.63%
MEDFORD, OR (FHA|USDA|VA) 1 $235,000 $235,000 $0 9.38%
PUEBLO, CO (FHA|USDA|VA) 1 $235,000 $235,000 $0 6.88%
THE VILLAGES, FL (FHA|USDA|VA) 2 $220,000 $110,000 $0 7.39%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $215,000 $215,000 $0 7.88%
PROVO-OREM, UT (FHA|USDA|VA) 1 $215,000 $215,000 $7,256 5.50%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.75%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.75%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $210,000 $105,000 $0 7.19%
SANTA FE, NM (FHA|USDA|VA) 1 $205,000 $205,000 $0 8.25%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.63%
Morehead City, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.13%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $205,000 $205,000 $9,059 6.25%
STAUNTON, VA (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.13%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $200,000 $100,000 $6,364 6.81%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $195,000 $195,000 $7,282 6.38%
Red Bluff, CA (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.88%
FORT COLLINS, CO (FHA|USDA|VA) 2 $190,000 $95,000 $4,190 7.43%
Fredericksburg, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.13%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.49%
Centralia, WA (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.13%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.38%
Klamath Falls, OR (FHA|USDA|VA) 1 $145,000 $145,000 $5,783 7.25%
LYNCHBURG, VA (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.75%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.99%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $125,000 $125,000 $6,466 6.25%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.24%
MISSOULA, MT (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.75%
Meadville, PA (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.63%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.13%
Batavia, NY (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.88%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $95,000 $95,000 $5,534 6.99%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $95,000 $95,000 $6,776 6.38%
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)
  • Washington (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,206 $455,510,000 $377,703 $13,018 6.63%

    For 2020, Athas Capital Group's most frequently originated type of loan was Conventional, with 1,206 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 650 $246,000,000 $378,462 $13,597 6.57%
    Cash Out Refi 457 $158,465,000 $346,751 $12,276 6.73%
    Refi 99 $51,045,000 $515,606 $12,558 6.54%

    For 2020, Athas Capital Group's most frequently cited loan purpose was Home Purchase, with 650 originations. The 2nd most popular reason was Cash Out Refi, with 457 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,110 $394,880,000 $355,748 $12,918 6.46%
    1 Year 41 $22,935,000 $559,390 $0 9.60%
    Other 28 $17,080,000 $610,000 $0 9.18%
    30+ year 19 $14,865,000 $782,368 $14,784 5.56%
    3 Year 8 $5,750,000 $718,750 $0 8.59%

    For 2020, Athas Capital Group's most frequently cited loan duration was 30 Year, with 1,110 originations. The 2nd most popular length was 1 Year, with 41 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 288 $147,400,000 $511,806
    $4k-5k 30 $5,110,000 $170,333
    $3k-4k 19 $3,105,000 $163,421
    $2k-3k 10 $3,850,000 $385,000
    $1k-2k 8 $2,950,000 $368,750

    Athas Capital Group's average total fees were $12,918, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 288 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 360 $130,240,000 $361,778
    5-6% 319 $130,155,000 $408,009
    7-8% 233 $86,195,000 $369,936
    Over 8% 158 $58,130,000 $367,911
    4-5% 128 $48,000,000 $375,000
    3-4% 8 $2,790,000 $348,750

    During 2020, Athas Capital Group's average interest rate for loans was 6.46%, while their most frequently originated rate bucket for loans was 6-7%, with 360 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 455 $130,365,000 $286,516 $10,053 6.54%
    $100k-200k 368 $53,220,000 $144,620 $7,205 6.65%
    $400k-600k 182 $87,910,000 $483,022 $13,446 6.51%
    $600k-1MM 98 $72,870,000 $743,571 $20,268 6.60%
    $1MM+ 67 $108,495,000 $1,619,328 $31,958 6.81%
    $100,000 or less 36 $2,650,000 $73,611 $5,189 7.75%

    2020 saw Athas Capital Group place emphasis on $200k-400k loans with 455 originations, totaling $130,365,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 872 $273,230,000 $313,337 $6,685 6.88%
    $250k+ 84 $70,380,000 $837,857 $19,791 6.05%
    $150k-250k 72 $35,980,000 $499,722 $13,861 5.93%
    $50k-75k 66 $14,980,000 $226,970 $9,051 5.88%
    $100k-150k 61 $24,335,000 $398,934 $12,156 5.87%
    $75k-100k 42 $13,040,000 $310,476 $10,199 5.67%

    Athas Capital Group lent most frequently to those with incomes in the $50k or less range, with 872 originations. The second most popular income band? $250k+, with 84 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 71 $30,475,000 $429,225 $12,429 6.00%
    30-36% 44 $18,880,000 $429,091 $11,883 5.79%
    <20% 42 $24,360,000 $580,000 $15,072 6.17%
    20-30% 38 $18,000,000 $473,684 $13,153 5.67%
    46% 15 $4,895,000 $326,333 $12,312 6.31%
    44% 15 $9,595,000 $639,667 $13,697 6.42%
    48% 14 $4,830,000 $345,000 $11,095 5.76%
    38% 13 $5,575,000 $428,846 $10,903 5.63%
    49% 13 $5,825,000 $448,077 $17,884 5.68%
    40% 12 $6,150,000 $512,500 $14,056 6.42%
    39% 12 $7,260,000 $605,000 $17,006 5.72%
    43% 12 $6,260,000 $521,667 $14,709 5.59%
    45% 12 $4,580,000 $381,667 $12,028 5.84%
    47% 11 $4,675,000 $425,000 $12,983 6.07%
    41% 10 $3,940,000 $394,000 $11,709 5.74%
    42% 9 $3,255,000 $361,667 $10,356 5.82%
    36% 6 $1,720,000 $286,667 $11,416 6.35%
    37% 5 $1,855,000 $371,000 $9,118 5.73%
    >60% 2 $730,000 $365,000 $12,096 5.99%

    Athas Capital Group lent most frequently to those with DTI ratios of 50-60%, with 71 originations. The next most common DTI ratio? 30-36%, with 44 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 713 $266,285,000 $373,471 $13,005 6.66%
    Not provided 225 $79,585,000 $353,711 $12,056 6.52%
    Asian 155 $70,975,000 $457,903 $12,966 6.23%
    Black 107 $36,475,000 $340,888 $14,507 7.21%
    Native Hawaiian or Islander 5 $2,025,000 $405,000 $27,002 6.65%
    American Indian 1 $165,000 $165,000 $0 8.50%

    Approval Rates

    Total approvals of all applications
    46.86%

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

    Pick Rate

    Approvals leading to origination
    34.83%

    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 1,206 $455,510,000 $377,703

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 4 $3,080,000 $770,000
    Single Family (1-4 Units):Site-Built 1,202 $452,430,000 $376,398

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 57 $19,835,000 $347,982 $7,390 6.44%
    40-60% 214 $83,730,000 $391,262 $12,799 6.31%
    60-80% 856 $313,190,000 $365,876 $12,964 6.73%
    80-100% 72 $37,470,000 $520,417 $15,221 6.36%
    Under 20% 7 $1,285,000 $183,571 $5,929 7.70%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    ATHAS CAPITAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    ATHAS CAPITAL GROUP, INC. Conventional home mortgage Trouble during payment process 1 33.3%
    ATHAS CAPITAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 1 33.3%