Capital City Home Loans Mortgage Rates, Fees & Info

Kennesaw, GA

LEI: 549300IKNQI45EOJU155

Tax ID: 20-5356781

4.5 stars - Updated: 6/16/24 - out of 5 stars, based on 43 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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, Crestview, and North Port among others. We have data for 88 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 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 6.53% 6/16/24
30 Year Conventional Refi 6.35% 6/16/24
30 Year Cash-out Refi 6.71% 6/16/24
30 Year FHA Purchase 7.37% 6/16/24
30 Year FHA Refi 7.95% 6/16/24
30 Year VA Purchase 6.42% 6/16/24
30 Year VA Refi 6.27% 6/16/24
30 Year USDA Purchase 6.77% 6/16/24
15 Year Conventional Purchase 6.38% 6/16/24
15 Year Conventional Refi 6.58% 6/16/24
15 Year Cash-out Refi 6.58% 6/16/24
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.

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

1,874

Origination Dollar Volume (All Markets)

$767,050,000
Show all (7) awards

Relative Rate

Capital City Home Loans's average 30 year fixed mortgage rate was 6.51%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.03%.

Relative Fees (Closing Costs)

Capital City Home Loans's average total fees/closing costs for a 30 year fixed rate mortgage were $9,498.

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 $9,089.

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) 607 $273,785,000 $451,046 $9,738 6.49%
JACKSONVILLE, FL (FHA|USDA|VA) 126 $57,590,000 $457,063 $8,958 6.66%
TALLAHASSEE, FL (FHA|USDA|VA) 216 $56,510,000 $261,620 $7,838 6.69%
Outside of Metro Areas 133 $49,215,000 $370,038 $9,211 7.02%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 55 $48,885,000 $888,818 $16,163 6.83%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 43 $32,835,000 $763,605 $13,732 6.20%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 89 $31,485,000 $353,764 $8,857 6.94%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 41 $24,745,000 $603,537 $12,871 6.30%
BRUNSWICK, GA (FHA|USDA|VA) 52 $18,170,000 $349,423 $9,422 6.49%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 24 $11,810,000 $492,083 $10,447 6.71%
PANAMA CITY, FL (FHA|USDA|VA) 30 $11,770,000 $392,333 $9,259 6.69%
GAINESVILLE, GA (FHA|USDA|VA) 32 $11,580,000 $361,875 $9,984 6.73%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 24 $10,390,000 $432,917 $7,083 6.88%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 26 $7,690,000 $295,769 $8,331 6.86%
Americus, GA (FHA|USDA|VA) 43 $7,385,000 $171,744 $5,341 6.63%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 21 $7,125,000 $339,286 $8,241 6.49%
WILMINGTON, NC (FHA|USDA|VA) 16 $6,410,000 $400,625 $8,496 6.38%
Jefferson, GA (FHA|USDA|VA) 15 $5,905,000 $393,667 $9,428 6.72%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 9 $5,225,000 $580,556 $9,876 6.39%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 20 $5,010,000 $250,500 $8,596 7.13%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 13 $4,495,000 $345,769 $6,278 6.63%
ALBANY, GA (FHA|USDA|VA) 28 $4,460,000 $159,286 $5,029 6.82%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 7 $4,095,000 $585,000 $11,203 6.70%
RALEIGH-CARY, NC (FHA|USDA|VA) 11 $4,035,000 $366,818 $7,623 6.70%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $4,005,000 $1,335,000 $18,960 5.96%
GAINESVILLE, FL (FHA|USDA|VA) 16 $3,960,000 $247,500 $6,282 7.17%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 6 $3,260,000 $543,333 $9,226 6.60%
ASHEVILLE, NC (FHA|USDA|VA) 6 $3,200,000 $533,333 $9,696 6.85%
Thomasville, GA (FHA|USDA|VA) 7 $2,805,000 $400,714 $10,456 6.45%
OCALA, FL (FHA|USDA|VA) 10 $2,700,000 $270,000 $7,903 7.35%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 9 $2,515,000 $279,444 $7,072 6.19%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $2,410,000 $401,667 $9,659 7.02%
St. Marys, GA (FHA|USDA|VA) 8 $2,080,000 $260,000 $7,198 6.80%
SAVANNAH, GA (FHA|USDA|VA) 5 $2,055,000 $411,000 $9,890 6.15%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $2,055,000 $685,000 $11,525 6.42%
Cordele, GA (FHA|USDA|VA) 8 $1,910,000 $238,750 $6,002 6.77%
WARNER ROBINS, GA (FHA|USDA|VA) 7 $1,765,000 $252,143 $6,622 6.88%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,735,000 $578,333 $14,770 6.54%
Cornelia, GA (FHA|USDA|VA) 3 $1,705,000 $568,333 $12,202 6.63%
Milledgeville, GA (FHA|USDA|VA) 3 $1,595,000 $531,667 $8,364 6.71%
ROME, GA (FHA|USDA|VA) 5 $1,505,000 $301,000 $10,157 7.65%
Cullowhee, NC (FHA|USDA|VA) 2 $1,490,000 $745,000 $14,217 6.63%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $1,460,000 $730,000 $14,297 5.75%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 4 $1,430,000 $357,500 $5,875 6.22%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $1,335,000 $267,000 $8,750 6.68%
Calhoun, GA (FHA|USDA|VA) 3 $1,195,000 $398,333 $8,370 7.04%
Palatka, FL (FHA|USDA|VA) 2 $1,180,000 $590,000 $15,117 7.50%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $995,000 $331,667 $6,859 6.38%
VALDOSTA, GA (FHA|USDA|VA) 5 $825,000 $165,000 $5,541 6.65%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $785,000 $261,667 $5,178 6.54%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $755,000 $755,000 $15,007 6.13%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $720,000 $180,000 $4,484 7.13%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $695,000 $231,667 $5,158 6.92%
Waycross, GA (FHA|USDA|VA) 3 $655,000 $218,333 $4,737 6.54%
RICHMOND, VA (FHA|USDA|VA) 1 $635,000 $635,000 $9,080 7.25%
LaGrange, GA-AL (FHA|USDA|VA) 3 $615,000 $205,000 $5,176 7.33%
Cookeville, TN (FHA|USDA|VA) 1 $585,000 $585,000 $23,961 6.50%
DALTON, GA (FHA|USDA|VA) 2 $580,000 $290,000 $9,876 6.63%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $540,000 $270,000 $6,010 6.06%
Henderson, NC (FHA|USDA|VA) 2 $520,000 $260,000 $10,073 7.75%
Enterprise, AL (FHA|USDA|VA) 1 $505,000 $505,000 $9,871 7.00%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $475,000 $158,333 $5,018 6.75%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $465,000 $465,000 $8,571 5.25%
Thomaston, GA (FHA|USDA|VA) 1 $445,000 $445,000 $13,728 8.88%
GADSDEN, AL (FHA|USDA|VA) 2 $390,000 $195,000 $5,142 6.94%
Mount Airy, NC (FHA|USDA|VA) 1 $385,000 $385,000 $7,675 6.88%
Tifton, GA (FHA|USDA|VA) 2 $370,000 $185,000 $4,759 6.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $365,000 $365,000 $3,899 7.38%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $350,000 $175,000 $5,678 6.56%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $340,000 $170,000 $3,222 6.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $335,000 $335,000 $16,902 5.75%
Scottsboro, AL (FHA|USDA|VA) 1 $335,000 $335,000 $6,703 5.25%
KNOXVILLE, TN (FHA|USDA|VA) 1 $325,000 $325,000 $6,791 5.50%
THE VILLAGES, FL (FHA|USDA|VA) 1 $305,000 $305,000 $9,887 8.00%
DOTHAN, AL (FHA|USDA|VA) 1 $295,000 $295,000 $11,791 6.63%
Arcadia, FL (FHA|USDA|VA) 1 $275,000 $275,000 $11,308 9.13%
Moultrie, GA (FHA|USDA|VA) 1 $245,000 $245,000 $5,719 7.13%
Bainbridge, GA (FHA|USDA|VA) 1 $245,000 $245,000 $5,876 7.38%
Ozark, AL (FHA|USDA|VA) 1 $245,000 $245,000 $3,146 7.13%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $225,000 $225,000 $5,959 7.25%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $225,000 $225,000 $12,010 6.75%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $225,000 $225,000 $5,705 7.75%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $215,000 $215,000 $5,397 6.13%
Jesup, GA (FHA|USDA|VA) 1 $155,000 $155,000 $9,989 6.00%
Cedartown, GA (FHA|USDA|VA) 1 $155,000 $155,000 $6,483 6.75%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $115,000 $115,000 $4,769 7.25%
Dublin, GA (FHA|USDA|VA) 1 $95,000 $95,000 $3,502 6.88%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $85,000 $85,000 $2,661 6.25%
Capital City Home Loans's top markets include Atlanta, Jacksonville, Tallahassee, Crestview, and North Port among others.

Their top states include:
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • 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.

    ROBINS FINANCIAL
    Similarity Rank: 46
    Eglin Federal Credit Union
    Similarity Rank: 74
    Gulf Winds Credit Union
    Similarity Rank: 80
    First Farmers and Merchants Bank
    Similarity Rank: 130
    MORTGAGE ONE OF THE SOUTH, INC.
    Similarity Rank: 135
    FIRST COMMERCE CREDIT UNION
    Similarity Rank: 138
    Envision Credit Union
    Similarity Rank: 240
    FineMark National Bank & Trust
    Similarity Rank: 280
    Southern Bank and Trust Company
    Similarity Rank: 288
    VICTORY MORTGAGE, L.L.C.
    Similarity Rank: 390

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,567 $672,695,000 $429,288 $8,832 6.66%
    FHA 240 $69,770,000 $290,708 $12,476 6.63%
    VA 52 $21,680,000 $416,923 $11,394 6.41%
    USDA 15 $2,905,000 $193,667 $7,509 6.33%

    For 2023, Capital City Home Loans's most frequently originated type of loan was Conventional, with 1,567 originations. Their 2nd most popular type was FHA, with 240 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,613 $687,955,000 $426,507 $9,684 6.63%
    Refi 101 $39,005,000 $386,188 $8,061 6.54%
    Cash Out Refi 72 $27,180,000 $377,500 $8,406 6.79%
    Other 55 $7,765,000 $141,182 $4,549 7.17%
    Home Improvement 33 $5,145,000 $155,909 $4,892 7.03%

    For 2023, Capital City Home Loans's most frequently cited loan purpose was Home Purchase, with 1,613 originations. The 2nd most popular reason was Refi, with 101 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,649 $710,035,000 $430,585 $9,498 6.51%
    15 Year 113 $18,355,000 $162,434 $4,574 7.02%
    30+ year 98 $35,690,000 $364,184 $11,929 8.40%
    20 Year 9 $1,775,000 $197,222 $6,899 7.88%
    Other 5 $1,195,000 $239,000 $6,646 7.03%

    For 2023, Capital City Home Loans's most frequently cited loan duration was 30 Year, with 1,649 originations. The 2nd most popular length was 15 Year, with 113 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 698 $444,020,000 $636,132
    $1k-2k 455 $135,965,000 $298,824
    $4k-5k 245 $75,905,000 $309,816
    $3k-4k 236 $59,360,000 $251,525
    $2k-3k 211 $44,325,000 $210,071
    $<1k 29 $7,475,000 $257,759

    Capital City Home Loans's average total fees were $9,498, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 698 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 810 $327,570,000 $404,407
    7-8% 504 $158,390,000 $314,266
    5-6% 402 $213,940,000 $532,189
    Over 8% 106 $40,240,000 $379,623
    4-5% 44 $25,460,000 $578,636
    <2.5% 8 $1,450,000 $181,250

    During 2023, Capital City Home Loans's average interest rate for loans was 6.51%, while their most frequently originated rate bucket for loans was 6-7%, with 810 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 793 $233,575,000 $294,546 $8,080 6.75%
    $400k-600k 372 $179,190,000 $481,694 $10,217 6.64%
    $100k-200k 296 $46,110,000 $155,777 $5,523 6.64%
    $600k-1MM 193 $142,075,000 $736,140 $13,246 6.43%
    $100,000 or less 116 $8,350,000 $71,983 $3,802 6.98%
    $1MM+ 104 $157,750,000 $1,516,827 $24,029 6.04%

    2023 saw Capital City Home Loans place emphasis on $200k-400k loans with 793 originations, totaling $233,575,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 450 $146,720,000 $326,044 $8,153 6.76%
    $150k-250k 422 $178,520,000 $423,033 $9,269 6.72%
    $250k+ 387 $305,195,000 $788,618 $14,012 6.48%
    $75k-100k 267 $70,365,000 $263,539 $7,801 6.77%
    $50k-75k 233 $46,815,000 $200,923 $7,055 6.59%
    $50k or less 104 $13,580,000 $130,577 $5,197 6.36%

    Capital City Home Loans lent most frequently to those with incomes in the $100k-150k range, with 450 originations. The second most popular income band? $150k-250k, with 422 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 317 $127,805,000 $403,170 $8,479 6.55%
    20-30% 279 $111,835,000 $400,842 $8,418 6.46%
    43% 126 $67,620,000 $536,667 $11,567 6.69%
    42% 114 $48,790,000 $427,982 $9,748 6.73%
    <20% 108 $41,580,000 $385,000 $8,238 6.56%
    41% 89 $41,065,000 $461,404 $10,223 6.62%
    40% 88 $41,360,000 $470,000 $9,998 6.70%
    39% 83 $37,085,000 $446,807 $10,073 6.56%
    36% 82 $31,380,000 $382,683 $8,640 6.74%
    37% 76 $33,490,000 $440,658 $10,147 6.66%
    48% 72 $23,320,000 $323,889 $8,295 6.64%
    49% 71 $25,115,000 $353,732 $8,707 6.86%
    45% 69 $23,925,000 $346,739 $9,116 6.96%
    38% 67 $27,615,000 $412,164 $9,679 6.52%
    44% 63 $21,985,000 $348,968 $9,574 7.20%
    46% 61 $22,415,000 $367,459 $9,144 6.95%
    47% 53 $17,105,000 $322,736 $8,687 6.74%
    50-60% 51 $20,005,000 $392,255 $12,863 6.53%
    >60% 4 $2,550,000 $637,500 $12,394 6.50%

    Capital City Home Loans lent most frequently to those with DTI ratios of 30-36%, with 317 originations. The next most common DTI ratio? 20-30%, with 279 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,261 $523,395,000 $415,063 $9,229 6.68%
    Not provided 327 $137,665,000 $420,994 $9,269 6.58%
    Black 215 $75,835,000 $352,721 $9,766 6.55%
    Asian 59 $27,225,000 $461,441 $9,835 6.74%
    American Indian 8 $1,690,000 $211,250 $7,069 6.63%
    Native Hawaiian or Islander 4 $1,240,000 $310,000 $9,401 7.09%

    Approval Rates

    Total approvals of all applications
    93.20%

    Capital City Home Loans has an average approval rate.

    Pick Rate

    Approvals leading to origination
    74.81%

    Capital City Home Loans has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,874 $767,050,000 $409,312

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,874 $767,050,000 $409,312

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 126 $31,780,000 $252,222 $6,355 6.76%
    40-60% 196 $90,950,000 $464,031 $9,395 6.55%
    60-80% 607 $295,295,000 $486,483 $10,045 6.60%
    80-100% 864 $336,050,000 $388,947 $9,457 6.65%
    Over 100% 13 $6,415,000 $493,462 $20,618 6.28%
    Under 20% 68 $6,560,000 $96,471 $3,906 7.20%