Capital City Home Loans Mortgage Rates, Fees & Info
Kennesaw, GALEI: 549300IKNQI45EOJU155
Tax ID: 20-5356781
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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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.53% | 4/18/24 |
| 30 Year Conventional Refi | 6.35% | 4/18/24 |
| 30 Year Cash-out Refi | 6.71% | 4/18/24 |
| 30 Year FHA Purchase | 7.37% | 4/18/24 |
| 30 Year FHA Refi | 7.95% | 4/18/24 |
| 30 Year VA Purchase | 6.42% | 4/18/24 |
| 30 Year VA Refi | 6.27% | 4/18/24 |
| 30 Year USDA Purchase | 6.77% | 4/18/24 |
| 15 Year Conventional Purchase | 6.38% | 4/18/24 |
| 15 Year Conventional Refi | 6.58% | 4/18/24 |
| 15 Year Cash-out Refi | 6.58% | 4/18/24 |
| 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
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This is not an official calculator from Capital City Home Loans. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,874Origination Dollar Volume (All Markets)
$767,050,000Awards
Capital City Home Loans - 2023
Capital City Home Loans is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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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% |
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.
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Product Mix
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
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
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
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
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
2023 saw Capital City Home Loans place emphasis on $200k-400k loans with 793 originations, totaling $233,575,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications93.20%
Capital City Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination74.81%
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 |