Capital City Home Loans Mortgage Rates, Fees & Info
Kennesaw, GALEI: 549300IKNQI45EOJU155
Tax ID: 20-5356781
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Capital City Home Loans is a smaller mortgage company specializing in Home Purchase loans. Capital City Home Loans has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Jacksonville, Tallahassee, Tampa, and Crestview among others. We have data for 90 markets. (Some data included below & more in-depth data is available with an active subscription.)Capital City Home Loans has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Capital City Home Loans is typically an average 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 about average 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 | 7.00% | 4/5/25 |
| 30 Year Conventional Refi | 6.76% | 4/5/25 |
| 30 Year Cash-out Refi | 7.20% | 4/5/25 |
| 30 Year FHA Purchase | 7.38% | 4/5/25 |
| 30 Year FHA Refi | 7.44% | 4/5/25 |
| 30 Year VA Purchase | 6.64% | 4/5/25 |
| 30 Year USDA Purchase | 7.02% | 4/5/25 |
| 15 Year Conventional Purchase | 6.88% | 4/5/25 |
| 15 Year Conventional Refi | 6.78% | 4/5/25 |
| 15 Year Cash-out Refi | 6.78% | 4/5/25 |
| 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. | ||
Capital City Home Loans Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Capital City Home Loans. 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
1,656Origination Dollar Volume (All Markets)
$635,610,000Awards
Capital City Home Loans - 2024
Capital City Home Loans is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
Work for Capital City Home Loans?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Relative Rate
Capital City Home Loans's average 30 year fixed mortgage rate was
6.79%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.24%.
Relative Fees (Closing Costs)
Capital City Home Loans's average total fees/closing costs for a 30 year fixed rate
mortgage were $7,815.
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 $8,356.
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 |
|---|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 545 | $235,455,000 | $432,028 | $8,359 | 6.88% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 121 | $54,265,000 | $448,471 | $7,517 | 6.90% |
| Outside of Metro Areas | 153 | $54,175,000 | $354,085 | $9,253 | 7.27% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 192 | $46,930,000 | $244,427 | $6,764 | 6.86% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 58 | $23,130,000 | $398,793 | $9,706 | 7.27% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 32 | $20,470,000 | $639,688 | $11,740 | 7.07% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 33 | $20,225,000 | $612,879 | $11,022 | 6.75% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 49 | $19,005,000 | $387,857 | $6,851 | 6.89% |
| BRUNSWICK, GA (FHA|USDA|VA) | 51 | $13,195,000 | $258,725 | $7,013 | 7.00% |
| GAINESVILLE, GA (FHA|USDA|VA) | 22 | $10,730,000 | $487,727 | $8,685 | 7.10% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 20 | $10,000,000 | $500,000 | $8,647 | 6.95% |
| WILMINGTON, NC (FHA|USDA|VA) | 23 | $9,035,000 | $392,826 | $6,351 | 7.05% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 13 | $8,835,000 | $679,615 | $10,877 | 7.51% |
| Americus, GA (FHA|USDA|VA) | 43 | $8,825,000 | $205,233 | $5,977 | 6.89% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 20 | $6,730,000 | $336,500 | $7,379 | 7.24% |
| Jefferson, GA (FHA|USDA|VA) | 15 | $5,695,000 | $379,667 | $9,682 | 6.92% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 12 | $5,480,000 | $456,667 | $6,923 | 7.06% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 12 | $5,170,000 | $430,833 | $8,933 | 7.00% |
| ALBANY, GA (FHA|USDA|VA) | 27 | $5,145,000 | $190,556 | $5,450 | 6.89% |
| PANAMA CITY, FL (FHA|USDA|VA) | 17 | $4,855,000 | $285,588 | $5,531 | 7.07% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 11 | $4,485,000 | $407,727 | $9,174 | 6.97% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 16 | $4,350,000 | $271,875 | $7,928 | 7.61% |
| GAINESVILLE, FL (FHA|USDA|VA) | 15 | $3,715,000 | $247,667 | $6,608 | 7.54% |
| ASHEVILLE, NC (FHA|USDA|VA) | 9 | $2,975,000 | $330,556 | $5,445 | 7.21% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 6 | $2,770,000 | $461,667 | $5,719 | 7.08% |
| Milledgeville, GA (FHA|USDA|VA) | 6 | $2,580,000 | $430,000 | $10,724 | 7.08% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $2,390,000 | $398,333 | $6,684 | 7.21% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $1,990,000 | $497,500 | $11,500 | 6.97% |
| Thomasville, GA (FHA|USDA|VA) | 5 | $1,975,000 | $395,000 | $11,983 | 7.53% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $1,655,000 | $551,667 | $8,610 | 7.29% |
| Cordele, GA (FHA|USDA|VA) | 7 | $1,625,000 | $232,143 | $5,347 | 6.59% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $1,620,000 | $810,000 | $11,843 | 6.69% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $1,520,000 | $380,000 | $7,054 | 6.47% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 6 | $1,460,000 | $243,333 | $7,219 | 6.85% |
| OCALA, FL (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $7,343 | 6.78% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $9,067 | 6.97% |
| Calhoun, GA (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $10,277 | 6.88% |
| St. Marys, GA (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $12,237 | 6.13% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $8,229 | 7.54% |
| LaGrange, GA-AL (FHA|USDA|VA) | 6 | $1,140,000 | $190,000 | $5,140 | 6.58% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $20,677 | 8.63% |
| Cedartown, GA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $10,478 | 8.29% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $21,529 | 8.38% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $8,118 | 7.38% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $6,934 | 7.63% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $4,007 | 6.50% |
| Palatka, FL (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $11,432 | 7.46% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $5,060 | 6.53% |
| Moultrie, GA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $4,986 | 7.13% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $5,719 | 6.50% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $8,149 | 7.38% |
| Dublin, GA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $6,821 | 7.04% |
| Thomaston, GA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $14,213 | 6.13% |
| Cornelia, GA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $7,530 | 7.75% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $7,629 | 5.94% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $5,506 | 6.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $5,431 | 7.06% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $13,667 | 7.50% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,815 | 6.50% |
| Lake City, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $8,706 | 7.69% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $12,126 | 6.38% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,414 | 7.31% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $14,080 | 6.63% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,798 | 6.88% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $20,592 | 6.25% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $14,021 | 7.63% |
| ROME, GA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $9,511 | 8.31% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,616 | 7.38% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $8,096 | 6.44% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,578 | 7.13% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,756 | 7.13% |
| Athens, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,732 | 7.00% |
| Tifton, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,891 | 7.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $12,002 | 6.13% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 6.00% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,311 | 6.38% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,563 | 6.63% |
| Seneca, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,409 | 8.13% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 7.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,560 | 7.38% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,034 | 6.63% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,958 | 7.13% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,022 | 6.75% |
| Ozark, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,536 | 6.50% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,221 | 7.13% |
| Waycross, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,215 | 6.88% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.88% |
| Jesup, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,913 | 7.13% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,672 | 6.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,325 | 6.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against Capital City Home Loans based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 40
Similarity Rank: 46
Similarity Rank: 84
Similarity Rank: 96
Similarity Rank: 144
Similarity Rank: 156
Similarity Rank: 168
Similarity Rank: 177
Similarity Rank: 180
Similarity Rank: 260
Product Mix
For 2024, Capital City Home Loans's most frequently originated type of loan was Conventional, with 1,369 originations. Their 2nd most popular type was FHA, with 219 originations.
Loan Reason
For 2024, Capital City Home Loans's most frequently cited loan purpose was Home Purchase, with 1,434 originations. The 2nd most popular reason was Cash Out Refi, with 89 originations.
Loan Duration/Length
For 2024, Capital City Home Loans's most frequently cited loan duration was 30 Year, with 1,386 originations. The 2nd most popular length was 30+ year, with 165 originations.
Origination Fees/Closing Costs
Capital City Home Loans's average total fees were $7,815, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 764 originations.
Interest Rates
During 2024, Capital City Home Loans's average interest rate for loans was 6.79%, while their most frequently originated rate bucket for loans was 6-7%, with 864 originations.
Loan Sizing
2024 saw Capital City Home Loans place emphasis on $200k-400k loans with 708 originations, totaling $211,330,000 in origination value.
Applicant Income
Capital City Home Loans lent most frequently to those with incomes in the $100k-150k range, with 412 originations. The second most popular income band? $150k-250k, with 375 originations.
Applicant Debt to Income Ratio
Capital City Home Loans lent most frequently to those with DTI ratios of 30-36%, with 277 originations. The next most common DTI ratio? 20-30%, with 245 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.11%
Capital City Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination73.07%
Capital City Home Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,656 | $635,610,000 | $383,822 |