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 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, Tampa, and Crestview among others. We have data for 105 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.53% | 4/22/24 |
| 30 Year Conventional Refi | 6.35% | 4/22/24 |
| 30 Year Cash-out Refi | 6.71% | 4/22/24 |
| 30 Year FHA Purchase | 7.37% | 4/22/24 |
| 30 Year FHA Refi | 7.95% | 4/22/24 |
| 30 Year VA Purchase | 6.42% | 4/22/24 |
| 30 Year VA Refi | 6.27% | 4/22/24 |
| 30 Year USDA Purchase | 6.77% | 4/22/24 |
| 15 Year Conventional Purchase | 6.38% | 4/22/24 |
| 15 Year Conventional Refi | 6.58% | 4/22/24 |
| 15 Year Cash-out Refi | 6.58% | 4/22/24 |
| 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
4,855Origination Dollar Volume (All Markets)
$1,483,435,000Awards
Capital City Home Loans - 2021
Capital City Home Loans is a 2021 , due to their low .
For 2021, 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) | 1,791 | $602,875,000 | $336,614 | $4,864 | 3.02% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 605 | $152,765,000 | $252,504 | $5,128 | 3.20% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 372 | $125,770,000 | $338,091 | $4,878 | 3.01% |
| Outside of Metro Areas | 244 | $65,260,000 | $267,459 | $5,434 | 3.41% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 236 | $63,800,000 | $270,339 | $6,594 | 4.26% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 82 | $57,510,000 | $701,341 | $8,936 | 3.47% |
| BRUNSWICK, GA (FHA|USDA|VA) | 130 | $35,470,000 | $272,846 | $4,830 | 3.04% |
| GAINESVILLE, FL (FHA|USDA|VA) | 108 | $29,360,000 | $271,852 | $5,384 | 3.59% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 111 | $27,075,000 | $243,919 | $6,546 | 4.47% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 52 | $24,850,000 | $477,885 | $6,262 | 3.16% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 66 | $22,870,000 | $346,515 | $5,230 | 3.01% |
| GAINESVILLE, GA (FHA|USDA|VA) | 67 | $21,345,000 | $318,582 | $4,945 | 3.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 75 | $20,485,000 | $273,133 | $3,702 | 2.93% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 71 | $19,795,000 | $278,803 | $4,242 | 3.14% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 47 | $16,965,000 | $360,957 | $4,289 | 3.13% |
| Americus, GA (FHA|USDA|VA) | 95 | $14,045,000 | $147,842 | $3,708 | 2.99% |
| OCALA, FL (FHA|USDA|VA) | 48 | $13,700,000 | $285,417 | $6,325 | 4.28% |
| SAVANNAH, GA (FHA|USDA|VA) | 56 | $12,680,000 | $226,429 | $5,470 | 3.01% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 32 | $12,680,000 | $396,250 | $4,501 | 3.37% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 48 | $11,320,000 | $235,833 | $4,618 | 2.96% |
| Jefferson, GA (FHA|USDA|VA) | 38 | $11,250,000 | $296,053 | $5,046 | 3.14% |
| PANAMA CITY, FL (FHA|USDA|VA) | 43 | $10,855,000 | $252,442 | $4,761 | 3.83% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 23 | $7,345,000 | $319,348 | $4,481 | 2.93% |
| ALBANY, GA (FHA|USDA|VA) | 38 | $7,070,000 | $186,053 | $4,949 | 2.94% |
| St. Marys, GA (FHA|USDA|VA) | 17 | $5,535,000 | $325,588 | $4,875 | 3.16% |
| Palatka, FL (FHA|USDA|VA) | 22 | $5,340,000 | $242,727 | $5,555 | 3.60% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 16 | $4,630,000 | $289,375 | $4,773 | 3.49% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 14 | $4,520,000 | $322,857 | $3,612 | 3.02% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 9 | $3,565,000 | $396,111 | $6,097 | 3.57% |
| Cordele, GA (FHA|USDA|VA) | 18 | $3,240,000 | $180,000 | $4,147 | 3.27% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 13 | $3,235,000 | $248,846 | $5,273 | 3.19% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 16 | $3,220,000 | $201,250 | $4,101 | 3.16% |
| Cullowhee, NC (FHA|USDA|VA) | 3 | $2,455,000 | $818,333 | $7,960 | 3.54% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 8 | $2,450,000 | $306,250 | $4,283 | 3.09% |
| Milledgeville, GA (FHA|USDA|VA) | 8 | $2,420,000 | $302,500 | $6,035 | 3.63% |
| THE VILLAGES, FL (FHA|USDA|VA) | 7 | $2,385,000 | $340,714 | $8,044 | 3.98% |
| LaGrange, GA-AL (FHA|USDA|VA) | 16 | $2,380,000 | $148,750 | $3,215 | 3.16% |
| Dublin, GA (FHA|USDA|VA) | 17 | $2,375,000 | $139,706 | $3,857 | 3.16% |
| ASHEVILLE, NC (FHA|USDA|VA) | 7 | $2,155,000 | $307,857 | $3,147 | 2.86% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 7 | $1,905,000 | $272,143 | $4,554 | 2.79% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $1,810,000 | $301,667 | $3,057 | 2.92% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 8 | $1,780,000 | $222,500 | $3,937 | 3.19% |
| Statesboro, GA (FHA|USDA|VA) | 8 | $1,690,000 | $211,250 | $3,522 | 3.63% |
| Calhoun, GA (FHA|USDA|VA) | 6 | $1,550,000 | $258,333 | $3,936 | 3.10% |
| MONTGOMERY, AL (FHA|USDA|VA) | 4 | $1,520,000 | $380,000 | $4,178 | 3.41% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $3,665 | 2.63% |
| Lake City, FL (FHA|USDA|VA) | 6 | $1,310,000 | $218,333 | $4,990 | 3.23% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $4,429 | 2.83% |
| ROME, GA (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $4,589 | 3.33% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $3,197 | 3.05% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $5,959 | 2.85% |
| SPARTANBURG, SC (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $3,907 | 2.98% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $5,441 | 2.72% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $4,699 | 2.78% |
| COLUMBIA, SC (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $3,683 | 3.43% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $3,773 | 3.00% |
| VALDOSTA, GA (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $4,287 | 3.15% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $4,340 | 3.08% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $3,680 | 3.21% |
| Thomasville, GA (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $6,694 | 2.60% |
| HINESVILLE, GA (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $7,755 | 3.03% |
| Alexander City, AL (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $3,128 | 3.25% |
| Key West, FL (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $5,586 | 3.06% |
| Seneca, SC (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $4,727 | 2.56% |
| JACKSON, MS (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $3,766 | 2.71% |
| Jesup, GA (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $3,683 | 3.22% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $5,076 | 3.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,834 | 3.13% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $6,630 | 3.88% |
| DALTON, GA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $4,861 | 3.46% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $2,973 | 2.63% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $5,706 | 3.75% |
| Cornelia, GA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,795 | 3.75% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,399 | 3.50% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $8,644 | 3.50% |
| Thomaston, GA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $10,427 | 4.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $6,430 | 2.81% |
| Enterprise, AL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,802 | 2.50% |
| Tifton, GA (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $5,125 | 2.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $7,193 | 2.63% |
| Ozark, AL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,869 | 3.33% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,812 | 2.63% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,365 | 2.50% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,758 | 2.75% |
| Bainbridge, GA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,366 | 3.31% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,902 | 3.25% |
| Boone, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,085 | 3.25% |
| Newport, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,520 | 3.38% |
| Columbus, MS (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,786 | 2.88% |
| Cullman, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,871 | 2.88% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,302 | 2.88% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 3.63% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,823 | 2.88% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,386 | 2.50% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,236 | 3.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,846 | 2.63% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,053 | 2.75% |
| Waycross, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,997 | 2.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,073 | 3.63% |
| Oxford, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,450 | 3.00% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,305 | 3.00% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,146 | 3.13% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,989 | 3.00% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,421 | 2.75% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,287 | 2.75% |
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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 2021, Capital City Home Loans's most frequently originated type of loan was Conventional, with 4,202 originations. Their 2nd most popular type was FHA, with 392 originations.
Loan Reason
For 2021, Capital City Home Loans's most frequently cited loan purpose was Home Purchase, with 3,279 originations. The 2nd most popular reason was Refi, with 958 originations.
Loan Duration/Length
For 2021, Capital City Home Loans's most frequently cited loan duration was 30 Year, with 3,776 originations. The 2nd most popular length was 30+ year, with 501 originations.
Origination Fees/Closing Costs
Capital City Home Loans's average total fees were $4,853, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,647 originations.
Interest Rates
During 2021, Capital City Home Loans's average interest rate for loans was 3.08%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,978 originations.
Loan Sizing
2021 saw Capital City Home Loans place emphasis on $200k-400k loans with 2,402 originations, totaling $692,040,000 in origination value.
Applicant Income
Capital City Home Loans lent most frequently to those with incomes in the $100k-150k range, with 1,137 originations. The second most popular income band? $50k-75k, with 942 originations.
Applicant Debt to Income Ratio
Capital City Home Loans lent most frequently to those with DTI ratios of 20-30%, with 1,158 originations. The next most common DTI ratio? 30-36%, with 939 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.11%
Capital City Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination86.55%
Capital City Home Loans has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,855 | $1,483,435,000 | $305,548 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4,855 | $1,483,435,000 | $305,548 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CAPITAL CENTER LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |