Capital City Home Loans Mortgage Rates, Fees & Info

Kennesaw, GA

LEI: 549300IKNQI45EOJU155

Tax ID: 20-5356781

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • 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, Brunswick, Washington, and Gainesville among others. We have data for 65 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Capital City Home Loans has an 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 6.53% 12/16/24
    30 Year Conventional Refi 6.35% 12/16/24
    30 Year Cash-out Refi 6.71% 12/16/24
    30 Year FHA Purchase 7.37% 12/16/24
    30 Year FHA Refi 7.95% 12/16/24
    30 Year VA Purchase 6.42% 12/16/24
    30 Year VA Refi 6.27% 12/16/24
    30 Year USDA Purchase 6.77% 12/16/24
    15 Year Conventional Purchase 6.38% 12/16/24
    15 Year Conventional Refi 6.58% 12/16/24
    15 Year Cash-out Refi 6.58% 12/16/24
    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

    2,378

    Origination Dollar Volume (All Markets)

    $633,190,000
    Show all (8) awards

    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) 1,308 $362,070,000 $276,812 $4,720 4.14%
    JACKSONVILLE, FL (FHA|USDA|VA) 197 $61,215,000 $310,736 $4,764 4.11%
    BRUNSWICK, GA (FHA|USDA|VA) 118 $26,950,000 $228,390 $4,570 4.26%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 89 $26,235,000 $294,775 $8,080 4.38%
    GAINESVILLE, GA (FHA|USDA|VA) 50 $13,580,000 $271,600 $5,069 4.08%
    Outside of Metro Areas 57 $13,385,000 $234,825 $5,171 4.19%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 47 $13,195,000 $280,745 $4,311 4.10%
    WILMINGTON, NC (FHA|USDA|VA) 47 $12,975,000 $276,064 $4,499 4.11%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 49 $12,505,000 $255,204 $4,384 4.27%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 26 $7,990,000 $307,308 $4,376 4.02%
    SAVANNAH, GA (FHA|USDA|VA) 42 $7,840,000 $186,667 $5,196 4.15%
    Americus, GA (FHA|USDA|VA) 61 $7,485,000 $122,705 $3,815 4.23%
    ALBANY, GA (FHA|USDA|VA) 47 $6,705,000 $142,660 $4,037 4.16%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 15 $6,445,000 $429,667 $5,012 4.27%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 33 $6,365,000 $192,879 $3,557 4.42%
    Jefferson, GA (FHA|USDA|VA) 28 $5,680,000 $202,857 $5,145 4.21%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 16 $5,540,000 $346,250 $6,194 4.08%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 17 $5,535,000 $325,588 $4,547 4.08%
    ASHEVILLE, NC (FHA|USDA|VA) 9 $2,685,000 $298,333 $3,345 3.93%
    PANAMA CITY, FL (FHA|USDA|VA) 5 $2,125,000 $425,000 $4,731 4.18%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $1,880,000 $470,000 $4,453 4.16%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 8 $1,690,000 $211,250 $5,983 4.44%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $1,560,000 $390,000 $5,494 3.88%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $1,510,000 $377,500 $5,514 4.34%
    HINESVILLE, GA (FHA|USDA|VA) 8 $1,430,000 $178,750 $5,182 3.91%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 8 $1,390,000 $173,750 $3,111 4.70%
    TALLAHASSEE, FL (FHA|USDA|VA) 6 $1,310,000 $218,333 $3,804 4.27%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $1,305,000 $435,000 $4,210 4.04%
    Cordele, GA (FHA|USDA|VA) 7 $1,245,000 $177,857 $3,017 4.18%
    WINCHESTER, VA-WV (FHA|USDA|VA) 5 $1,055,000 $211,000 $7,742 4.50%
    Georgetown, SC (FHA|USDA|VA) 4 $1,050,000 $262,500 $5,243 4.78%
    St. Marys, GA (FHA|USDA|VA) 5 $945,000 $189,000 $4,441 4.50%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $935,000 $311,667 $3,669 4.38%
    JACKSONVILLE, NC (FHA|USDA|VA) 4 $710,000 $177,500 $3,820 4.28%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $655,000 $218,333 $5,111 4.46%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $535,000 $178,333 $3,320 4.00%
    RALEIGH-CARY, NC (FHA|USDA|VA) 2 $530,000 $265,000 $3,992 3.75%
    OCALA, FL (FHA|USDA|VA) 2 $500,000 $250,000 $4,837 4.06%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $430,000 $215,000 $7,790 4.19%
    Seneca, SC (FHA|USDA|VA) 1 $425,000 $425,000 $4,121 3.75%
    VALDOSTA, GA (FHA|USDA|VA) 3 $405,000 $135,000 $3,503 3.83%
    Cornelia, GA (FHA|USDA|VA) 2 $390,000 $195,000 $7,108 4.25%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $355,000 $355,000 $9,913 4.00%
    Thomaston, GA (FHA|USDA|VA) 2 $350,000 $175,000 $6,789 4.56%
    Lewisburg, TN (FHA|USDA|VA) 1 $345,000 $345,000 $3,620 4.25%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $340,000 $170,000 $3,312 4.31%
    Alexander City, AL (FHA|USDA|VA) 1 $335,000 $335,000 $4,282 4.50%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $315,000 $315,000 $3,855 3.75%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $235,000 $235,000 $3,617 4.13%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $225,000 $225,000 $5,858 4.38%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $225,000 $225,000 $5,367 3.88%
    Calhoun, GA (FHA|USDA|VA) 1 $205,000 $205,000 $3,269 4.63%
    DALTON, GA (FHA|USDA|VA) 1 $205,000 $205,000 $2,814 4.00%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $195,000 $195,000 $2,910 3.38%
    Statesboro, GA (FHA|USDA|VA) 2 $190,000 $95,000 $2,931 4.25%
    MOBILE, AL (FHA|USDA|VA) 1 $175,000 $175,000 $5,385 5.38%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $165,000 $165,000 $4,757 3.75%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $155,000 $155,000 $5,586 4.25%
    Jesup, GA (FHA|USDA|VA) 1 $155,000 $155,000 $6,830 4.50%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $145,000 $145,000 $3,477 3.75%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $135,000 $135,000 $5,695 4.25%
    COLUMBIA, SC (FHA|USDA|VA) 1 $125,000 $125,000 $3,000 4.13%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $105,000 $105,000 $3,083 4.75%
    Enterprise, AL (FHA|USDA|VA) 1 $65,000 $65,000 $3,111 4.00%
    DOTHAN, AL (FHA|USDA|VA) 1 $55,000 $55,000 $4,913 5.13%
    Capital City Home Loans's top markets include Atlanta, Jacksonville, Brunswick, Washington, and Gainesville among others.

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

    Eglin Federal Credit Union
    Similarity Rank: 24
    US COMMUNITY
    Similarity Rank: 64
    EXCITE Credit Union
    Similarity Rank: 114
    POWER FINANCIAL
    Similarity Rank: 188
    Gulf Winds Credit Union
    Similarity Rank: 225
    Citizens First Bank
    Similarity Rank: 264
    ROBINS FINANCIAL
    Similarity Rank: 264
    CAROLINA TRUST FEDERAL CREDIT UNION
    Similarity Rank: 265
    PLANTERS FIRST BANK
    Similarity Rank: 476
    Colony Bank
    Similarity Rank: 490

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,742 $492,440,000 $282,687 $4,061 4.14%
    FHA 456 $95,080,000 $208,509 $7,312 4.30%
    VA 135 $37,935,000 $281,000 $5,815 4.03%
    USDA 45 $7,735,000 $171,889 $5,169 4.08%

    For 2019, Capital City Home Loans's most frequently originated type of loan was Conventional, with 1,742 originations. Their 2nd most popular type was FHA, with 456 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,885 $490,915,000 $260,432 $4,983 4.21%
    Refi 290 $90,140,000 $310,828 $4,078 3.82%
    Cash Out Refi 185 $48,505,000 $262,189 $4,179 4.25%
    Other 14 $3,010,000 $215,000 $3,499 4.04%
    Home Improvement 4 $620,000 $155,000 $3,323 4.16%

    For 2019, Capital City Home Loans's most frequently cited loan purpose was Home Purchase, with 1,885 originations. The 2nd most popular reason was Refi, with 290 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,176 $574,760,000 $264,136 $4,870 4.19%
    15 Year 146 $37,590,000 $257,466 $3,727 3.66%
    20 Year 29 $8,455,000 $291,552 $3,954 3.90%
    30+ year 25 $12,115,000 $484,600 $6,623 5.20%
    10 Year 1 $135,000 $135,000 $2,993 4.00%
    Other 1 $135,000 $135,000 $2,996 4.00%

    For 2019, Capital City Home Loans's most frequently cited loan duration was 30 Year, with 2,176 originations. The 2nd most popular length was 15 Year, with 146 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,773 $470,065,000 $265,124
    $2k-3k 181 $47,375,000 $261,740
    $<1k 120 $28,620,000 $238,500
    $3k-4k 93 $27,275,000 $293,280
    $5k+ 39 $18,765,000 $481,154
    $4k-5k 36 $13,570,000 $376,944

    Capital City Home Loans's average total fees were $4,870, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,773 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,136 $324,620,000 $285,757
    4-5% 1,084 $270,260,000 $249,317
    5-6% 144 $35,730,000 $248,125
    2.5-3% 5 $1,425,000 $285,000
    6-7% 5 $495,000 $99,000
    <2.5% 4 $660,000 $165,000

    During 2019, Capital City Home Loans's average interest rate for loans was 4.19%, while their most frequently originated rate bucket for loans was 3-4%, with 1,136 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,204 $341,540,000 $283,671 $5,051 4.10%
    $100k-200k 709 $111,125,000 $156,735 $4,254 4.26%
    $400k-600k 305 $139,725,000 $458,115 $5,030 4.02%
    $100,000 or less 124 $9,430,000 $76,048 $3,292 4.53%
    $600k-1MM 29 $21,405,000 $738,103 $8,852 4.44%
    $1MM+ 7 $9,965,000 $1,423,571 $11,397 4.52%

    2019 saw Capital City Home Loans place emphasis on $200k-400k loans with 1,204 originations, totaling $341,540,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 607 $125,985,000 $207,554 $5,010 4.19%
    $100k-150k 472 $142,490,000 $301,886 $4,667 4.14%
    $75k-100k 390 $100,170,000 $256,846 $4,800 4.17%
    $50k or less 357 $53,125,000 $148,810 $4,529 4.24%
    $150k-250k 354 $130,220,000 $367,853 $4,822 4.14%
    $250k+ 173 $72,865,000 $421,185 $5,172 4.07%

    Capital City Home Loans lent most frequently to those with incomes in the $50k-75k range, with 607 originations. The second most popular income band? $100k-150k, with 472 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 431 $118,785,000 $275,603 $4,268 4.10%
    30-36% 410 $109,020,000 $265,902 $4,359 4.16%
    <20% 168 $41,080,000 $244,524 $3,857 3.96%
    50-60% 163 $38,045,000 $233,405 $7,506 4.20%
    42% 116 $32,870,000 $283,362 $5,026 4.29%
    44% 115 $29,745,000 $258,652 $4,705 4.30%
    39% 102 $26,900,000 $263,725 $4,859 4.28%
    41% 95 $29,845,000 $314,158 $5,100 4.26%
    49% 93 $23,815,000 $256,075 $5,111 4.18%
    43% 85 $22,785,000 $268,059 $4,771 4.15%
    37% 83 $23,865,000 $287,530 $4,938 4.15%
    46% 78 $20,730,000 $265,769 $4,745 4.24%
    38% 77 $19,645,000 $255,130 $4,738 4.12%
    36% 76 $19,260,000 $253,421 $4,696 4.09%
    40% 72 $20,980,000 $291,389 $5,039 4.20%
    48% 71 $17,925,000 $252,465 $4,746 4.22%
    47% 69 $17,115,000 $248,043 $4,863 4.13%
    45% 56 $14,800,000 $264,286 $5,232 4.26%
    >60% 8 $3,010,000 $376,250 $6,272 4.20%

    Capital City Home Loans lent most frequently to those with DTI ratios of 20-30%, with 431 originations. The next most common DTI ratio? 30-36%, with 410 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,778 $476,170,000 $267,812 $4,723 4.17%
    Not provided 298 $83,990,000 $281,846 $4,753 4.10%
    Black 239 $54,185,000 $226,715 $5,514 4.22%
    Asian 52 $16,260,000 $312,692 $4,542 4.15%
    American Indian 9 $2,115,000 $235,000 $5,015 4.38%
    Native Hawaiian or Islander 2 $470,000 $235,000 $3,769 4.69%

    Approval Rates

    Total approvals of all applications
    88.83%

    Capital City Home Loans has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.86%

    Capital City Home Loans has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,378 $633,190,000 $266,270

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 6 $530,000 $88,333
    Single Family (1-4 Units):Site-Built 2,372 $632,660,000 $266,720

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 72 $13,270,000 $184,306 $3,615 4.06%
    40-60% 209 $54,225,000 $259,450 $3,770 3.97%
    60-80% 667 $201,145,000 $301,567 $4,294 4.14%
    80-100% 1,370 $348,800,000 $254,599 $5,116 4.21%
    Over 100% 40 $11,530,000 $288,250 $9,723 4.00%
    Under 20% 11 $1,305,000 $118,636 $2,140 5.06%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Capital Markets Cooporative, LLC Conventional home mortgage Closing on a mortgage 2 4.7%
    Capital Markets Cooporative, LLC Conventional home mortgage Trouble during payment process 40 93.0%
    Capital Markets Cooporative, LLC Other type of mortgage Incorrect information on your report 1 2.3%