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, Crestview, Tallahassee, Jacksonville, and Tampa among others. We have data for 93 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% | 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,606Origination Dollar Volume (All Markets)
$986,030,000Awards
Capital City Home Loans - 2022
Capital City Home Loans is a 2022 , due to their low .
For 2022, 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) | 881 | $367,965,000 | $417,667 | $7,408 | 4.77% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 108 | $85,360,000 | $790,370 | $11,845 | 4.71% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 316 | $82,550,000 | $261,234 | $6,760 | 4.91% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 167 | $75,485,000 | $452,006 | $7,249 | 4.43% |
| Outside of Metro Areas | 140 | $48,030,000 | $343,071 | $7,579 | 4.99% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 89 | $27,325,000 | $307,022 | $8,616 | 4.96% |
| PANAMA CITY, FL (FHA|USDA|VA) | 64 | $22,690,000 | $354,531 | $7,560 | 4.98% |
| BRUNSWICK, GA (FHA|USDA|VA) | 60 | $20,960,000 | $349,333 | $7,046 | 4.67% |
| GAINESVILLE, GA (FHA|USDA|VA) | 50 | $20,230,000 | $404,600 | $7,942 | 4.93% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 79 | $19,495,000 | $246,772 | $9,306 | 5.34% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 28 | $16,210,000 | $578,929 | $9,576 | 4.88% |
| WILMINGTON, NC (FHA|USDA|VA) | 41 | $15,755,000 | $384,268 | $6,112 | 4.70% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 25 | $15,075,000 | $603,000 | $9,326 | 4.89% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 30 | $12,540,000 | $418,000 | $8,045 | 4.68% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 37 | $11,695,000 | $316,081 | $5,859 | 4.82% |
| Jefferson, GA (FHA|USDA|VA) | 30 | $11,080,000 | $369,333 | $7,941 | 5.05% |
| Americus, GA (FHA|USDA|VA) | 53 | $9,085,000 | $171,415 | $4,958 | 5.13% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 34 | $9,020,000 | $265,294 | $6,383 | 4.98% |
| GAINESVILLE, FL (FHA|USDA|VA) | 32 | $8,040,000 | $251,250 | $7,070 | 5.06% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 28 | $7,620,000 | $272,143 | $5,333 | 5.08% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 16 | $7,600,000 | $475,000 | $9,439 | 5.09% |
| ALBANY, GA (FHA|USDA|VA) | 36 | $7,080,000 | $196,667 | $6,539 | 4.92% |
| SAVANNAH, GA (FHA|USDA|VA) | 19 | $5,645,000 | $297,105 | $7,062 | 4.71% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 11 | $4,415,000 | $401,364 | $7,004 | 5.35% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 9 | $3,515,000 | $390,556 | $6,219 | 4.99% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 14 | $3,500,000 | $250,000 | $5,847 | 4.73% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 8 | $3,480,000 | $435,000 | $8,273 | 4.33% |
| Cordele, GA (FHA|USDA|VA) | 13 | $3,315,000 | $255,000 | $5,376 | 4.83% |
| OCALA, FL (FHA|USDA|VA) | 8 | $2,730,000 | $341,250 | $8,513 | 4.97% |
| Palatka, FL (FHA|USDA|VA) | 11 | $2,525,000 | $229,545 | $6,749 | 4.67% |
| St. Marys, GA (FHA|USDA|VA) | 10 | $2,440,000 | $244,000 | $4,903 | 4.60% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $2,440,000 | $610,000 | $7,210 | 4.47% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 8 | $2,410,000 | $301,250 | $7,805 | 4.75% |
| Seneca, SC (FHA|USDA|VA) | 2 | $2,370,000 | $1,185,000 | $15,412 | 4.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $2,340,000 | $585,000 | $7,374 | 4.69% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $2,310,000 | $577,500 | $7,502 | 4.91% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $2,285,000 | $457,000 | $10,772 | 5.10% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 8 | $2,220,000 | $277,500 | $3,322 | 4.58% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 9 | $2,215,000 | $246,111 | $5,692 | 4.39% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 6 | $2,120,000 | $353,333 | $6,301 | 4.06% |
| ASHEVILLE, NC (FHA|USDA|VA) | 5 | $1,775,000 | $355,000 | $6,263 | 4.50% |
| Milledgeville, GA (FHA|USDA|VA) | 3 | $1,725,000 | $575,000 | $12,828 | 3.71% |
| LaGrange, GA-AL (FHA|USDA|VA) | 8 | $1,590,000 | $198,750 | $7,165 | 5.06% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $4,470 | 4.44% |
| Cornelia, GA (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $7,926 | 5.00% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $12,769 | 3.88% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $4,977 | 5.50% |
| Thomaston, GA (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $10,073 | 5.42% |
| Statesboro, GA (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $5,307 | 4.43% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $6,475 | 5.33% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $4,701 | 3.88% |
| Dublin, GA (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $5,714 | 4.63% |
| VALDOSTA, GA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $6,067 | 4.00% |
| Tifton, GA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,039 | 6.17% |
| Dayton, TN (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $4,587 | 4.75% |
| Thomasville, GA (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $5,768 | 5.03% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $8,936 | 5.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $8,389 | 4.75% |
| Calhoun, GA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,687 | 4.83% |
| Key West, FL (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $6,722 | 4.38% |
| Toccoa, GA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $9,383 | 4.94% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $5,295 | 4.58% |
| Cullman, AL (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,448 | 2.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $6,689 | 5.88% |
| Lake City, FL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,909 | 5.13% |
| Jesup, GA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,429 | 4.81% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $4,723 | 4.13% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $8,868 | 2.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,452 | 6.06% |
| HINESVILLE, GA (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $6,523 | 4.96% |
| Brevard, NC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,055 | 4.75% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,318 | 4.81% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,187 | 4.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,555 | 5.13% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $7,555 | 5.00% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,098 | 5.38% |
| ROME, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,902 | 4.63% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,339 | 4.88% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,188 | 5.13% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,052 | 6.13% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,829 | 5.50% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,229 | 3.25% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,019 | 4.38% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,360 | 5.50% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,517 | 4.63% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,474 | 4.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,948 | 4.88% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,124 | 2.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,987 | 3.50% |
| DALTON, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,033 | 4.25% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,598 | 5.63% |
| Waycross, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,942 | 3.75% |
| Danville, VA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,754 | 6.38% |
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 2022, Capital City Home Loans's most frequently originated type of loan was Conventional, with 2,248 originations. Their 2nd most popular type was FHA, with 247 originations.
Loan Reason
For 2022, Capital City Home Loans's most frequently cited loan purpose was Home Purchase, with 2,227 originations. The 2nd most popular reason was Cash Out Refi, with 223 originations.
Loan Duration/Length
For 2022, Capital City Home Loans's most frequently cited loan duration was 30 Year, with 2,309 originations. The 2nd most popular length was 30+ year, with 204 originations.
Origination Fees/Closing Costs
Capital City Home Loans's average total fees were $7,285, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,076 originations.
Interest Rates
During 2022, Capital City Home Loans's average interest rate for loans was 4.78%, while their most frequently originated rate bucket for loans was 4-5%, with 1,027 originations.
Loan Sizing
2022 saw Capital City Home Loans place emphasis on $200k-400k loans with 1,180 originations, totaling $347,180,000 in origination value.
Applicant Income
Capital City Home Loans lent most frequently to those with incomes in the $100k-150k range, with 607 originations. The second most popular income band? $150k-250k, with 537 originations.
Applicant Debt to Income Ratio
Capital City Home Loans lent most frequently to those with DTI ratios of 20-30%, with 518 originations. The next most common DTI ratio? 30-36%, with 489 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.77%
Capital City Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination78.32%
Capital City Home Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,606 | $986,030,000 | $378,369 |