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

Jump to:

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 Abilene among others. We have data for 10 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 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    237

    Origination Dollar Volume (All Markets)

    $36,975,000

    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) 125 $18,905,000 $151,240 $6,204 5.20%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 80 $13,420,000 $167,750 $6,934 5.17%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 18 $2,650,000 $147,222 $6,167 5.35%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 4 $510,000 $127,500 $6,877 5.31%
    ABILENE, TX (FHA|USDA|VA) 2 $490,000 $245,000 $7,068 5.25%
    Outside of Metro Areas 3 $435,000 $145,000 $7,293 5.21%
    Gainesville, TX (FHA|USDA|VA) 2 $190,000 $95,000 $4,698 5.06%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,476 4.38%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $125,000 $125,000 $4,887 5.38%
    Stephenville, TX (FHA|USDA|VA) 1 $85,000 $85,000 $8,285 5.50%
    Capital Concepts's top markets include Houston, Dallas, San Antonio, Sherman, and Abilene 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: 220
    MEMBERS CHOICE Credit Union
    Similarity Rank: 549
    SMART FINANCIAL CREDIT UNION
    Similarity Rank: 707
    SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C
    Similarity Rank: 756
    TEXAS BAY
    Similarity Rank: 888
    AAXY L.L.C.
    Similarity Rank: 1040
    AMERANT BANK, NATIONAL ASSOCIATION
    Similarity Rank: 1060
    TEXANS
    Similarity Rank: 1204
    NEIGHBORHOOD
    Similarity Rank: 1228
    JSC
    Similarity Rank: 1296

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 234 $35,890,000 $153,376 $6,382 5.21%
    VA 2 $810,000 $405,000 $13,713 4.25%
    FHA 1 $275,000 $275,000 $13,374 3.63%

    For 2019, Capital Concepts's most frequently originated type of loan was Conventional, with 234 originations. Their 2nd most popular type was VA, with 2 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 138 $18,880,000 $136,812 $6,051 5.31%
    Cash Out Refi 52 $9,910,000 $190,577 $7,204 5.08%
    Home Purchase 47 $8,185,000 $174,149 $6,892 5.02%

    For 2019, Capital Concepts's most frequently cited loan purpose was Refi, with 138 originations. The 2nd most popular reason was Cash Out Refi, with 52 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 237 $36,975,000 $156,013 $6,474 5.20%

    For 2019, Capital Concepts's most frequently cited loan duration was 30 Year, with 237 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 102 $12,100,000 $118,627
    $3k-4k 90 $14,290,000 $158,778
    $4k-5k 22 $4,980,000 $226,364
    $1k-2k 12 $2,760,000 $230,000
    $5k+ 7 $2,065,000 $295,000
    $<1k 2 $570,000 $285,000

    Capital Concepts's average total fees were $6,474, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 102 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 181 $24,765,000 $136,823
    4-5% 40 $7,720,000 $193,000
    3-4% 14 $4,190,000 $299,286

    During 2019, Capital Concepts's average interest rate for loans was 5.20%, while their most frequently originated rate bucket for loans was 5-6%, with 181 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 173 $23,745,000 $137,254 $6,220 5.29%
    $200k-400k 33 $8,905,000 $269,848 $8,092 4.67%
    $100,000 or less 27 $2,385,000 $88,333 $5,567 5.47%
    $400k-600k 4 $1,940,000 $485,000 $10,094 3.97%

    2019 saw Capital Concepts place emphasis on $100k-200k loans with 173 originations, totaling $23,745,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 68 $11,210,000 $164,853 $6,643 5.26%
    $100k-150k 67 $10,235,000 $152,761 $6,340 5.17%
    $75k-100k 43 $6,635,000 $154,302 $6,358 5.13%
    $50k-75k 29 $4,125,000 $142,241 $6,366 5.15%
    $250k+ 15 $2,615,000 $174,333 $6,848 5.19%
    $50k or less 15 $2,155,000 $143,667 $6,516 5.33%

    Capital Concepts lent most frequently to those with incomes in the $150k-250k range, with 68 originations. The second most popular income band? $100k-150k, with 67 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 41 $6,195,000 $151,098 $6,414 5.28%
    30-36% 37 $5,395,000 $145,811 $6,069 5.31%
    <20% 21 $3,215,000 $153,095 $6,279 5.05%
    37% 14 $2,080,000 $148,571 $6,287 5.25%
    41% 13 $2,465,000 $189,615 $6,458 4.63%
    43% 11 $1,565,000 $142,273 $6,850 5.39%
    39% 11 $1,685,000 $153,182 $5,889 5.24%
    45% 11 $1,555,000 $141,364 $6,856 5.24%
    42% 10 $1,240,000 $124,000 $5,510 5.34%
    36% 9 $1,755,000 $195,000 $6,800 5.01%
    38% 9 $1,315,000 $146,111 $5,797 5.16%
    40% 9 $1,435,000 $159,444 $7,071 5.11%
    47% 8 $1,070,000 $133,750 $6,957 5.42%
    48% 8 $1,600,000 $200,000 $8,277 5.20%
    49% 7 $895,000 $127,857 $5,963 5.23%
    44% 6 $1,030,000 $171,667 $6,161 5.19%
    46% 5 $965,000 $193,000 $7,805 5.05%
    50-60% 3 $595,000 $198,333 $9,441 5.38%
    >60% 2 $620,000 $310,000 $5,839 4.81%

    Capital Concepts lent most frequently to those with DTI ratios of 20-30%, with 41 originations. The next most common DTI ratio? 30-36%, with 37 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 182 $28,980,000 $159,231 $6,565 5.17%
    Black 31 $4,595,000 $148,226 $5,931 5.26%
    Asian 15 $2,075,000 $138,333 $6,552 5.27%
    American Indian 6 $910,000 $151,667 $6,501 5.52%
    Not provided 3 $415,000 $138,333 $6,193 5.25%

    Approval Rates

    Total approvals of all applications
    98.89%

    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
    87.34%

    Capital Concepts has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 237 $36,975,000 $156,013

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 237 $36,975,000 $156,013

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1 $115,000 $115,000 $5,537 4.88%
    40-60% 8 $1,250,000 $156,250 $6,115 5.05%
    60-80% 182 $27,790,000 $152,692 $6,399 5.24%
    80-100% 42 $6,710,000 $159,762 $6,500 5.11%
    Over 100% 2 $810,000 $405,000 $13,713 4.25%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Capital Markets Cooporative, LLC Conventional home mortgage Closing on a mortgage 2 4.7%
    Capital Markets Cooporative, LLC Conventional home mortgage Trouble during payment process 40 93.0%
    Capital Markets Cooporative, LLC Other type of mortgage Incorrect information on your report 1 2.3%