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 small mortgage company specializing in Home Purchase and Refi 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, Tallahassee, Jacksonville, Brunswick, and Tampa among others. We have data for 107 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 low 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.53% | 4/14/24 |
| 30 Year Conventional Refi | 6.35% | 4/14/24 |
| 30 Year Cash-out Refi | 6.71% | 4/14/24 |
| 30 Year FHA Purchase | 7.37% | 4/14/24 |
| 30 Year FHA Refi | 7.95% | 4/14/24 |
| 30 Year VA Purchase | 6.42% | 4/14/24 |
| 30 Year VA Refi | 6.27% | 4/14/24 |
| 30 Year USDA Purchase | 6.77% | 4/14/24 |
| 15 Year Conventional Purchase | 6.38% | 4/14/24 |
| 15 Year Conventional Refi | 6.58% | 4/14/24 |
| 15 Year Cash-out Refi | 6.58% | 4/14/24 |
| 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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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
5,771Origination Dollar Volume (All Markets)
$1,628,005,000Awards
Capital City Home Loans - 2020
Capital City Home Loans is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 2,485 | $767,525,000 | $308,863 | $4,361 | 3.02% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 736 | $174,070,000 | $236,508 | $4,738 | 3.18% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 400 | $134,110,000 | $335,275 | $4,810 | 3.07% |
| BRUNSWICK, GA (FHA|USDA|VA) | 205 | $52,015,000 | $253,732 | $4,486 | 3.12% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 192 | $50,220,000 | $261,563 | $5,254 | 4.10% |
| Outside of Metro Areas | 196 | $48,090,000 | $245,357 | $4,473 | 3.33% |
| WILMINGTON, NC (FHA|USDA|VA) | 108 | $28,660,000 | $265,370 | $3,452 | 3.15% |
| GAINESVILLE, GA (FHA|USDA|VA) | 91 | $28,555,000 | $313,791 | $4,217 | 3.14% |
| GAINESVILLE, FL (FHA|USDA|VA) | 117 | $27,315,000 | $233,462 | $4,973 | 3.61% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 82 | $23,630,000 | $288,171 | $3,876 | 3.04% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 53 | $23,545,000 | $444,245 | $5,865 | 3.21% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 64 | $21,220,000 | $331,563 | $6,776 | 3.42% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 55 | $18,035,000 | $327,909 | $4,587 | 2.97% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 63 | $17,335,000 | $275,159 | $5,889 | 4.59% |
| Jefferson, GA (FHA|USDA|VA) | 63 | $16,095,000 | $255,476 | $4,537 | 3.11% |
| SAVANNAH, GA (FHA|USDA|VA) | 74 | $16,080,000 | $217,297 | $5,445 | 3.07% |
| Americus, GA (FHA|USDA|VA) | 98 | $15,670,000 | $159,898 | $3,592 | 3.16% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 47 | $14,765,000 | $314,149 | $4,143 | 3.13% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 45 | $13,715,000 | $304,778 | $3,273 | 3.10% |
| OCALA, FL (FHA|USDA|VA) | 51 | $12,535,000 | $245,784 | $5,381 | 3.94% |
| ALBANY, GA (FHA|USDA|VA) | 68 | $10,820,000 | $159,118 | $4,465 | 3.31% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 50 | $9,950,000 | $199,000 | $3,848 | 3.11% |
| PANAMA CITY, FL (FHA|USDA|VA) | 32 | $7,520,000 | $235,000 | $4,694 | 3.56% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 24 | $7,040,000 | $293,333 | $4,050 | 3.13% |
| Cordele, GA (FHA|USDA|VA) | 27 | $5,245,000 | $194,259 | $4,886 | 2.94% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 17 | $4,495,000 | $264,412 | $3,477 | 2.99% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 16 | $4,070,000 | $254,375 | $3,532 | 2.94% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 12 | $3,930,000 | $327,500 | $3,241 | 3.03% |
| St. Marys, GA (FHA|USDA|VA) | 14 | $3,630,000 | $259,286 | $4,721 | 2.99% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 10 | $3,310,000 | $331,000 | $4,677 | 3.36% |
| ASHEVILLE, NC (FHA|USDA|VA) | 13 | $3,185,000 | $245,000 | $3,227 | 2.97% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 7 | $3,015,000 | $430,714 | $4,710 | 3.09% |
| THE VILLAGES, FL (FHA|USDA|VA) | 6 | $2,790,000 | $465,000 | $7,779 | 4.19% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 10 | $2,230,000 | $223,000 | $3,330 | 3.16% |
| Lake City, FL (FHA|USDA|VA) | 11 | $2,185,000 | $198,636 | $5,966 | 4.34% |
| Thomasville, GA (FHA|USDA|VA) | 9 | $2,175,000 | $241,667 | $4,452 | 3.36% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 11 | $2,175,000 | $197,727 | $4,406 | 3.06% |
| Dublin, GA (FHA|USDA|VA) | 10 | $2,130,000 | $213,000 | $4,364 | 3.49% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $2,045,000 | $292,143 | $4,203 | 2.98% |
| Palatka, FL (FHA|USDA|VA) | 9 | $1,985,000 | $220,556 | $5,156 | 4.14% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 6 | $1,810,000 | $301,667 | $8,393 | 3.29% |
| LaGrange, GA-AL (FHA|USDA|VA) | 16 | $1,690,000 | $105,625 | $3,299 | 3.27% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 6 | $1,580,000 | $263,333 | $3,914 | 3.00% |
| HINESVILLE, GA (FHA|USDA|VA) | 9 | $1,515,000 | $168,333 | $4,813 | 3.26% |
| Milledgeville, GA (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $4,744 | 3.05% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $1,435,000 | $287,000 | $4,108 | 3.08% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $2,974 | 3.23% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $6,592 | 3.08% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $2,887 | 3.00% |
| Calhoun, GA (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $4,635 | 2.72% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $2,775 | 2.95% |
| Key West, FL (FHA|USDA|VA) | 1 | $1,115,000 | $1,115,000 | $6,655 | 3.88% |
| DALTON, GA (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $4,950 | 3.33% |
| Enterprise, AL (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $4,092 | 3.28% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $2,969 | 2.84% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $3,340 | 3.03% |
| VALDOSTA, GA (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $4,620 | 3.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $8,473 | 3.50% |
| Brevard, NC (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $2,986 | 3.29% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $10,695 | 2.75% |
| Statesboro, GA (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $3,383 | 3.40% |
| Cedartown, GA (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $6,409 | 3.63% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $2,897 | 2.83% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $3,848 | 2.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $9,505 | 2.75% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,867 | 2.69% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,291 | 3.21% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $5,132 | 3.94% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $8,422 | 3.63% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,587 | 3.06% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $2,983 | 2.88% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $6,326 | 2.63% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,351 | 3.13% |
| ROME, GA (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $3,419 | 3.00% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,300 | 3.38% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $21,331 | 4.88% |
| Jesup, GA (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $5,179 | 3.83% |
| Seneca, SC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,302 | 3.38% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,609 | 3.38% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,104 | 2.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,088 | 3.00% |
| DOTHAN, AL (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $3,933 | 2.71% |
| Fitzgerald, GA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,622 | 2.63% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,724 | 2.75% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,000 | 2.50% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,570 | 2.56% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,986 | 4.00% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $20,419 | 4.25% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $13,341 | 3.75% |
| Greenwood, MS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,632 | 2.88% |
| Waycross, GA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,386 | 2.75% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,417 | 3.00% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,666 | 2.88% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,064 | 2.50% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,288 | 3.25% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,816 | 4.88% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,668 | 2.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,552 | 4.13% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,183 | 2.75% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,766 | 2.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.88% |
| Tifton, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,741 | 2.63% |
| Ozark, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,547 | 4.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.00% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,036 | 3.25% |
| Douglas, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,445 | 2.75% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,252 | 3.75% |
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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 2020, Capital City Home Loans's most frequently originated type of loan was Conventional, with 4,812 originations. Their 2nd most popular type was FHA, with 577 originations.
Loan Reason
For 2020, Capital City Home Loans's most frequently cited loan purpose was Home Purchase, with 3,411 originations. The 2nd most popular reason was Refi, with 1,739 originations.
Loan Duration/Length
For 2020, Capital City Home Loans's most frequently cited loan duration was 30 Year, with 4,605 originations. The 2nd most popular length was 15 Year, with 553 originations.
Origination Fees/Closing Costs
Capital City Home Loans's average total fees were $4,521, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,759 originations.
Interest Rates
During 2020, Capital City Home Loans's average interest rate for loans was 3.09%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,341 originations.
Loan Sizing
2020 saw Capital City Home Loans place emphasis on $200k-400k loans with 2,986 originations, totaling $850,660,000 in origination value.
Applicant Income
Capital City Home Loans lent most frequently to those with incomes in the $100k-150k range, with 1,299 originations. The second most popular income band? $50k-75k, with 1,141 originations.
Applicant Debt to Income Ratio
Capital City Home Loans lent most frequently to those with DTI ratios of 20-30%, with 1,407 originations. The next most common DTI ratio? 30-36%, with 999 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.57%
Capital City Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination88.39%
Capital City Home Loans has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 5,771 | $1,628,005,000 | $282,101 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 25 | $2,165,000 | $86,600 |
| Single Family (1-4 Units):Site-Built | 5,746 | $1,625,840,000 | $282,952 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Capital Mortgage | Reverse mortgage | Closing on a mortgage | 1 | 100.0% |