Capital Concepts Mortgage Rates, Fees & Info

HOUSTON, TX

LEI: 549300JX8UXNIMMZYW86

Tax ID: 76-0565087

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

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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 Concepts is a smaller mortgage company specializing in Refi, Cash Out 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: Houston, Dallas, San Antonio, Sherman, and Beaumont among others. We have data for 8 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 an above average pick rate when compared to similar lenders. Capital Concepts 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 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

    102

    Origination Dollar Volume (All Markets)

    $14,810,000

    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
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 67 $9,315,000 $139,030 $5,463 5.64%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 22 $3,870,000 $175,909 $6,709 5.65%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $515,000 $103,000 $5,509 5.78%
    Outside of Metro Areas 3 $505,000 $168,333 $6,101 5.38%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $340,000 $170,000 $6,216 5.53%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $115,000 $115,000 $2,043 4.75%
    Lufkin, TX (FHA|USDA|VA) 1 $85,000 $85,000 $4,609 5.75%
    WICHITA FALLS, TX (FHA|USDA|VA) 1 $65,000 $65,000 $4,638 5.75%
    Capital Concepts's top markets include Houston, Dallas, San Antonio, Sherman, and Beaumont among others.

    Their top states include:
  • Texas (FHA|USDA|VA)

    • 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.

    SOUTHERN LENDING SERVICES, LTD.
    Similarity Rank: 86
    NEIGHBORHOOD
    Similarity Rank: 200
    CORNERSTONE MORTGAGE PROVIDERS
    Similarity Rank: 291
    TEXANS
    Similarity Rank: 416
    Priority Bank
    Similarity Rank: 456
    ADVISA MORTGAGE SERVICES, LTD.
    Similarity Rank: 678
    JSC
    Similarity Rank: 900
    TEXAS BAY
    Similarity Rank: 980
    First Commercial Bank
    Similarity Rank: 1122
    Generations Community Federal Credit Union
    Similarity Rank: 1133

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 98 $14,030,000 $143,163 $5,799 5.67%
    FHA 3 $505,000 $168,333 $2,986 4.75%
    VA 1 $275,000 $275,000 $5,891 4.75%

    For 2018, Capital Concepts's most frequently originated type of loan was Conventional, with 98 originations. Their 2nd most popular type was FHA, with 3 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 59 $7,675,000 $130,085 $5,638 5.75%
    Cash Out Refi 24 $3,760,000 $156,667 $6,008 5.55%
    Home Purchase 19 $3,375,000 $177,632 $5,598 5.36%

    For 2018, Capital Concepts's most frequently cited loan purpose was Refi, with 59 originations. The 2nd most popular reason was Cash Out Refi, with 24 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 102 $14,810,000 $145,196 $5,717 5.63%

    For 2018, Capital Concepts's most frequently cited loan duration was 30 Year, with 102 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 30 $3,180,000 $106,000
    $3k-4k 10 $1,570,000 $157,000
    $<1k 1 $445,000 $445,000

    Capital Concepts's average total fees were $5,717, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 30 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 90 $11,780,000 $130,889
    4-5% 12 $3,030,000 $252,500

    During 2018, Capital Concepts's average interest rate for loans was 5.63%, while their most frequently originated rate bucket for loans was 5-6%, with 90 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 61 $8,275,000 $135,656 $5,671 5.67%
    $100,000 or less 26 $2,250,000 $86,538 $5,088 5.83%
    $200k-400k 14 $3,840,000 $274,286 $7,207 5.18%
    $400k-600k 1 $445,000 $445,000 $4,040 4.63%

    2018 saw Capital Concepts place emphasis on $100k-200k loans with 61 originations, totaling $8,275,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 34 $5,710,000 $167,941 $6,057 5.64%
    $100k-150k 29 $3,755,000 $129,483 $5,512 5.66%
    $75k-100k 14 $1,550,000 $110,714 $5,443 5.77%
    $50k-75k 12 $1,920,000 $160,000 $5,379 5.33%
    $250k+ 8 $1,230,000 $153,750 $5,884 5.76%
    $50k or less 5 $645,000 $129,000 $5,912 5.55%

    Capital Concepts lent most frequently to those with incomes in the $150k-250k range, with 34 originations. The second most popular income band? $100k-150k, with 29 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 27 $3,705,000 $137,222 $5,620 5.59%
    30-36% 11 $1,525,000 $138,636 $5,842 5.68%
    <20% 10 $1,110,000 $111,000 $5,366 5.78%
    36% 6 $790,000 $131,667 $5,500 5.69%
    41% 6 $650,000 $108,333 $5,639 5.85%
    42% 6 $1,260,000 $210,000 $5,589 5.54%
    48% 5 $705,000 $141,000 $5,608 5.60%
    38% 5 $785,000 $157,000 $5,376 5.68%
    39% 5 $815,000 $163,000 $6,261 5.60%
    >60% 3 $425,000 $141,667 $5,439 5.58%
    37% 3 $465,000 $155,000 $5,837 5.50%
    47% 3 $505,000 $168,333 $5,981 5.46%
    49% 3 $485,000 $161,667 $5,740 5.46%
    50-60% 2 $480,000 $240,000 $7,604 5.56%
    43% 2 $300,000 $150,000 $5,886 5.75%
    45% 2 $320,000 $160,000 $8,022 5.69%
    46% 2 $340,000 $170,000 $4,530 5.28%
    44% 1 $145,000 $145,000 $5,870 5.75%

    Capital Concepts lent most frequently to those with DTI ratios of 20-30%, with 27 originations. The next most common DTI ratio? 30-36%, with 11 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 76 $11,310,000 $148,816 $5,742 5.57%
    Asian 13 $2,115,000 $162,692 $6,045 5.77%
    Black 9 $915,000 $101,667 $5,038 5.83%
    Not provided 3 $345,000 $115,000 $5,807 5.79%
    American Indian 1 $125,000 $125,000 $5,443 5.75%

    Approval Rates

    Total approvals of all applications
    99.12%

    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 origination
    91.18%

    Capital Concepts has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 102 $14,810,000 $145,196

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 102 $14,810,000 $145,196

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    40-60% 3 $235,000 $78,333 $4,976 5.88%
    60-80% 82 $10,970,000 $133,780 $5,773 5.70%
    80-100% 17 $3,605,000 $212,059 $5,581 5.23%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Capital Markets Cooporative, LLC VA mortgage Trouble during payment process 1 5.6%
    Capital Markets Cooporative, LLC Conventional home mortgage Trouble during payment process 16 88.9%
    Capital Markets Cooporative, LLC FHA mortgage Struggling to pay mortgage 1 5.6%