Capital Concepts Mortgage Rates, Fees & Info
HOUSTON, TXLEI: 549300JX8UXNIMMZYW86
Tax ID: 76-0565087
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Mortgage Data
Review & Overview
Capital Concepts is a smaller mortgage company specializing in Refi and Home Purchase loans. Capital Concepts has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Dallas, Houston, San Antonio, Sherman, and Atlanta among others. We have data for 21 markets. (Some data included below & more in-depth data is available with an active subscription.)Capital Concepts 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 Concepts 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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Originations
123Origination Dollar Volume (All Markets)
$24,265,000Relative Rate
Capital Concepts's average 30 year fixed mortgage rate was
7.15%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.67%.
Relative Fees (Closing Costs)
Capital Concepts's average total fees/closing costs for a 30 year fixed rate
mortgage were $12,511.
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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 47 | $10,935,000 | $232,660 | $15,328 | 7.12% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 35 | $6,305,000 | $180,143 | $10,639 | 7.11% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $10,148 | 6.95% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $11,588 | 7.83% |
| Outside of Metro Areas | 5 | $805,000 | $161,000 | $8,324 | 7.23% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $15,096 | 7.25% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $9,022 | 7.08% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $10,862 | 7.54% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $13,367 | 7.54% |
| TYLER, TX (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $10,597 | 6.63% |
| Dublin, GA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $7,803 | 7.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $15,278 | 7.75% |
| Athens, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $17,324 | 7.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $14,420 | 7.25% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $11,145 | 7.25% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,160 | 7.69% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $13,049 | 6.88% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.88% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $9,793 | 6.82% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,938 | 7.38% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $9,222 | 7.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against CAPITAL CONCEPTS based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 258
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 121 | $23,545,000 | $194,587 | $12,482 | 7.16% |
| FHA | 1 | $445,000 | $445,000 | $19,242 | 6.75% |
| VA | 1 | $275,000 | $275,000 | $9,192 | 7.00% |
For 2023, Capital Concepts's most frequently originated type of loan was Conventional, with 121 originations. Their 2nd most popular type was FHA, with 1 originations.
Loan Reason
For 2023, Capital Concepts's most frequently cited loan purpose was Refi, with 71 originations. The 2nd most popular reason was Home Purchase, with 31 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 123 | $24,265,000 | $197,276 | $12,511 | 7.15% |
For 2023, Capital Concepts's most frequently cited loan duration was 30 Year, with 123 originations.
Origination Fees/Closing Costs
Capital Concepts's average total fees were $12,511, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 78 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 74 | $14,360,000 | $194,054 |
| 6-7% | 43 | $8,775,000 | $204,070 |
| 5-6% | 3 | $395,000 | $131,667 |
| Over 8% | 3 | $735,000 | $245,000 |
During 2023, Capital Concepts's average interest rate for loans was 7.15%, while their most frequently originated rate bucket for loans was 7-8%, with 74 originations.
Loan Sizing
2023 saw Capital Concepts place emphasis on $100k-200k loans with 72 originations, totaling $11,280,000 in origination value.
Applicant Income
Capital Concepts lent most frequently to those with incomes in the $150k-250k range, with 31 originations. The second most popular income band? $75k-100k, with 28 originations.
Applicant Debt to Income Ratio
Capital Concepts lent most frequently to those with DTI ratios of 30-36%, with 21 originations. The next most common DTI ratio? 20-30%, with 13 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
Capital Concepts has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination82.11%
Capital Concepts has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 123 | $24,265,000 | $197,276 |