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: Dallas, Houston, Sherman, San Antonio, and Waco among others. We have data for 13 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 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 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.

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

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    Originations

    287

    Origination Dollar Volume (All Markets)

    $54,125,000

    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
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 117 $24,705,000 $211,154 $11,701 3.52%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 116 $21,090,000 $181,810 $9,382 3.70%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 15 $2,045,000 $136,333 $14,784 3.91%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 12 $1,980,000 $165,000 $8,303 3.76%
    Outside of Metro Areas 9 $1,425,000 $158,333 $8,783 3.53%
    WACO, TX (FHA|USDA|VA) 4 $820,000 $205,000 $12,853 3.91%
    Jefferson, GA (FHA|USDA|VA) 2 $470,000 $235,000 $0 3.44%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $470,000 $117,500 $8,446 3.34%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $310,000 $77,500 $5,864 3.78%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $24,304 3.51%
    Gainesville, TX (FHA|USDA|VA) 1 $245,000 $245,000 $10,827 2.99%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $175,000 $175,000 $8,388 3.13%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $115,000 $115,000 $6,605 4.00%
    Capital Concepts's top markets include Dallas, Houston, Sherman, San Antonio, and Waco among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Florida (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.

    AMOCO
    Similarity Rank: 405
    Generations Community Federal Credit Union
    Similarity Rank: 704
    SCHLUMBERGER EMPLOYEES CREDIT UNION
    Similarity Rank: 1320
    U S WIDE FINANCIAL LLC
    Similarity Rank: 1512
    AAXY L.L.C.
    Similarity Rank: 1674
    WESTSTAR MORTGAGE CORPORATION
    Similarity Rank: 1968
    TEXANS
    Similarity Rank: 2057
    TEXAS BAY
    Similarity Rank: 2076
    UNION SQUARE
    Similarity Rank: 2220
    DATCU
    Similarity Rank: 2220

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 286 $53,890,000 $188,427 $10,518 3.63%
    FHA 1 $235,000 $235,000 $12,311 2.88%

    For 2021, Capital Concepts's most frequently originated type of loan was Conventional, with 286 originations. Their 2nd most popular type was FHA, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 125 $21,195,000 $169,560 $9,703 3.66%
    Cash Out Refi 109 $20,865,000 $191,422 $10,970 3.54%
    Home Purchase 53 $12,065,000 $227,642 $11,336 3.74%

    For 2021, Capital Concepts's most frequently cited loan purpose was Refi, with 125 originations. The 2nd most popular reason was Cash Out Refi, with 109 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 274 $51,520,000 $188,029 $10,607 3.68%
    15 Year 11 $2,055,000 $186,818 $9,264 2.68%
    10 Year 1 $305,000 $305,000 $7,156 2.38%
    20 Year 1 $245,000 $245,000 $8,354 2.50%

    For 2021, Capital Concepts's most frequently cited loan duration was 30 Year, with 274 originations. The 2nd most popular length was 15 Year, with 11 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 93 $13,585,000 $146,075
    $3k-4k 85 $16,395,000 $192,882
    $5k+ 38 $9,000,000 $236,842
    $1k-2k 32 $6,320,000 $197,500
    $4k-5k 24 $5,790,000 $241,250
    $<1k 6 $1,360,000 $226,667

    Capital Concepts's average total fees were $10,607, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 93 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 193 $32,345,000 $167,591
    2.5-3% 40 $12,030,000 $300,750
    4-5% 35 $5,295,000 $151,286
    <2.5% 7 $2,125,000 $303,571
    5-6% 7 $1,415,000 $202,143

    During 2021, Capital Concepts's average interest rate for loans was 3.68%, while their most frequently originated rate bucket for loans was 3-4%, with 193 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 201 $29,165,000 $145,100 $9,597 3.77%
    $200k-400k 58 $15,510,000 $267,414 $12,532 3.27%
    $400k-600k 17 $7,995,000 $470,294 $14,643 3.09%
    $100,000 or less 10 $830,000 $83,000 $6,528 3.67%
    $600k-1MM 1 $625,000 $625,000 $15,139 5.88%

    2021 saw Capital Concepts place emphasis on $100k-200k loans with 201 originations, totaling $29,165,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 89 $17,555,000 $197,247 $9,908 3.66%
    $50k or less 65 $12,565,000 $193,308 $12,570 3.79%
    $100k-150k 51 $9,225,000 $180,882 $10,412 3.68%
    $50k-75k 40 $6,500,000 $162,500 $9,038 3.41%
    $75k-100k 30 $5,250,000 $175,000 $9,924 3.52%
    $250k+ 12 $3,030,000 $252,500 $10,455 3.37%

    Capital Concepts lent most frequently to those with incomes in the $150k-250k range, with 89 originations. The second most popular income band? $50k or less, with 65 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 50 $8,850,000 $177,000 $10,104 3.62%
    20-30% 43 $8,875,000 $206,395 $9,514 3.46%
    <20% 41 $6,235,000 $152,073 $8,076 3.69%
    45% 18 $4,490,000 $249,444 $9,777 3.19%
    39% 16 $2,870,000 $179,375 $8,881 3.77%
    43% 13 $2,425,000 $186,538 $10,291 3.48%
    36% 11 $1,905,000 $173,182 $9,497 3.72%
    38% 10 $2,160,000 $216,000 $12,509 3.35%
    41% 7 $1,395,000 $199,286 $10,102 3.36%
    37% 7 $1,415,000 $202,143 $10,744 3.88%
    49% 7 $1,865,000 $266,429 $13,952 3.11%
    50-60% 6 $980,000 $163,333 $8,327 3.93%
    44% 6 $1,180,000 $196,667 $8,659 3.67%
    42% 5 $1,415,000 $283,000 $13,977 3.55%
    46% 4 $530,000 $132,500 $8,123 3.56%
    40% 3 $885,000 $295,000 $14,288 3.13%
    47% 2 $530,000 $265,000 $11,168 3.44%
    48% 2 $430,000 $215,000 $7,573 3.19%
    >60% 2 $350,000 $175,000 $9,915 4.30%

    Capital Concepts lent most frequently to those with DTI ratios of 30-36%, with 50 originations. The next most common DTI ratio? 20-30%, with 43 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 236 $43,470,000 $184,195 $10,508 3.66%
    Asian 16 $3,880,000 $242,500 $12,509 3.48%
    Black 21 $3,525,000 $167,857 $9,977 3.56%
    Not provided 13 $2,765,000 $212,692 $9,274 3.38%
    Native Hawaiian or Islander 1 $485,000 $485,000 $14,259 2.88%

    Approval Rates

    Total approvals of all applications
    99.35%

    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
    94.08%

    Capital Concepts has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 287 $54,125,000 $188,589

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    287 $54,125,000 $188,589

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 8 $1,380,000 $172,500 $9,282 3.70%
    40-60% 15 $2,615,000 $174,333 $9,212 3.36%
    60-80% 220 $39,090,000 $177,682 $10,367 3.66%
    80-100% 43 $10,935,000 $254,302 $11,852 3.56%

    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%