Capital Partners Mortgage Rates, Fees & Info

WILMINGTON, DE

LEI: 549300X23Y2CUDX6A106

Tax ID: 46-2981456

4.9 stars - Updated: 3/24/24 - out of 5 stars, based on 22 reviews

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

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Mortgage Data

Review & Overview

Capital Partners Mortgage is a smaller mortgage company specializing in Home Purchase loans. Capital Partners Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Miami, Port St. Lucie, Orlando, Deltona, and Jacksonville among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)

Capital Partners Mortgage 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 Partners Mortgage 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.

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.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.48% 3/24/24
30 Year Conventional Refi 6.74% 3/24/24
30 Year Cash-out Refi 6.96% 3/24/24
30 Year FHA Purchase 7.62% 3/24/24
30 Year FHA Refi 6.92% 3/24/24
30 Year VA Purchase 6.53% 3/24/24
15 Year Conventional Purchase 6.60% 3/24/24
15 Year Conventional Refi 6.15% 3/24/24
15 Year Cash-out Refi 6.15% 3/24/24
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 Partners Mortgage Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Capital Partners Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

471

Origination Dollar Volume (All Markets)

$147,115,000

Relative Rate

Capital Partners Mortgage's average 30 year fixed mortgage rate was 4.56%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.2%.

Relative Fees (Closing Costs)

Capital Partners Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $7,255.

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 $4,750.

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
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 375 $119,495,000 $318,653 $7,131 4.48%
PORT ST. LUCIE, FL (FHA|USDA|VA) 57 $18,035,000 $316,404 $7,656 4.79%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 6 $1,870,000 $311,667 $6,866 4.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 8 $1,690,000 $211,250 $5,068 4.20%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $955,000 $318,333 $5,932 5.21%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $905,000 $301,667 $9,321 5.46%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $875,000 $291,667 $7,816 4.96%
OCALA, FL (FHA|USDA|VA) 4 $720,000 $180,000 $7,354 4.00%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $550,000 $275,000 $10,041 4.93%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $505,000 $168,333 $6,171 3.83%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $470,000 $235,000 $10,900 4.75%
THE VILLAGES, FL (FHA|USDA|VA) 1 $265,000 $265,000 $8,160 4.63%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $3,593 4.13%
PANAMA CITY, FL (FHA|USDA|VA) 1 $215,000 $215,000 $3,957 4.38%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $175,000 $175,000 $11,031 5.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $155,000 $155,000 $6,031 5.50%
Capital Partners Mortgage's top markets include Miami, Port St. Lucie, Orlando, Deltona, and Jacksonville among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against CAPITAL PARTNERS MORTGAGE 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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 421 $130,975,000 $311,105 $6,570 4.50%
    FHA 32 $9,990,000 $312,188 $13,199 4.77%
    VA 18 $6,150,000 $341,667 $10,858 4.78%

    For 2022, Capital Partners Mortgage's most frequently originated type of loan was Conventional, with 421 originations. Their 2nd most popular type was FHA, with 32 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 422 $132,030,000 $312,867 $7,291 4.52%
    Cash Out Refi 31 $9,045,000 $291,774 $6,658 4.81%
    Refi 18 $6,040,000 $335,556 $5,584 4.15%

    For 2022, Capital Partners Mortgage's most frequently cited loan purpose was Home Purchase, with 422 originations. The 2nd most popular reason was Cash Out Refi, with 31 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 455 $143,965,000 $316,407 $7,255 4.56%
    15 Year 12 $2,190,000 $182,500 $5,735 3.80%
    20 Year 3 $945,000 $315,000 $4,602 4.21%
    5 Year 1 $15,000 $15,000 $0 0.00%

    For 2022, Capital Partners Mortgage's most frequently cited loan duration was 30 Year, with 455 originations. The 2nd most popular length was 15 Year, with 12 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 175 $53,895,000 $307,971
    $5k+ 80 $37,200,000 $465,000
    $2k-3k 74 $19,510,000 $263,649
    $4k-5k 63 $20,705,000 $328,651
    $3k-4k 48 $15,020,000 $312,917
    $<1k 31 $785,000 $25,323

    Capital Partners Mortgage's average total fees were $7,255, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 175 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 146 $48,480,000 $332,055
    5-6% 134 $43,100,000 $321,642
    3-4% 114 $41,880,000 $367,368
    6-7% 38 $10,250,000 $269,737
    <2.5% 29 $405,000 $13,966
    2.5-3% 5 $1,195,000 $239,000
    7-8% 4 $1,340,000 $335,000
    Over 8% 1 $465,000 $465,000

    During 2022, Capital Partners Mortgage's average interest rate for loans was 4.56%, while their most frequently originated rate bucket for loans was 4-5%, with 146 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 211 $62,735,000 $297,322 $7,650 4.89%
    $400k-600k 96 $46,740,000 $486,875 $9,287 4.77%
    $100k-200k 85 $13,145,000 $154,647 $5,173 4.80%
    $100,000 or less 49 $1,815,000 $37,041 $1,588 2.04%
    $600k-1MM 26 $17,430,000 $670,385 $11,991 4.48%
    $1MM+ 4 $5,250,000 $1,312,500 $12,235 4.09%

    2022 saw Capital Partners Mortgage place emphasis on $200k-400k loans with 211 originations, totaling $62,735,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 464 $144,000,000 $310,345 $7,109 4.51%

    Capital Partners Mortgage lent most frequently to those with incomes in the $50k or less range, with 464 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 62 $23,060,000 $371,935 $7,219 4.63%
    20-30% 58 $17,880,000 $308,276 $7,047 4.94%
    <20% 48 $7,310,000 $152,292 $3,472 2.25%
    49% 35 $11,875,000 $339,286 $7,950 4.86%
    44% 35 $11,715,000 $334,714 $8,173 4.66%
    42% 25 $7,115,000 $284,600 $7,595 4.81%
    47% 22 $8,130,000 $369,545 $8,155 4.68%
    40% 20 $6,290,000 $314,500 $7,158 4.72%
    46% 20 $6,750,000 $337,500 $7,146 5.01%
    43% 20 $5,400,000 $270,000 $6,457 4.74%
    48% 20 $6,370,000 $318,500 $7,160 4.64%
    38% 19 $5,865,000 $308,684 $7,125 4.46%
    41% 18 $4,950,000 $275,000 $6,756 4.88%
    45% 17 $5,735,000 $337,353 $9,109 5.13%
    50-60% 15 $4,655,000 $310,333 $12,267 4.53%
    37% 14 $5,040,000 $360,000 $7,727 4.88%
    36% 12 $4,280,000 $356,667 $7,496 5.52%
    39% 11 $4,695,000 $426,818 $6,808 4.52%

    Capital Partners Mortgage lent most frequently to those with DTI ratios of 30-36%, with 62 originations. The next most common DTI ratio? 20-30%, with 58 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 354 $112,480,000 $317,740 $7,206 4.57%
    Not provided 61 $18,705,000 $306,639 $7,066 4.40%
    Black 39 $9,935,000 $254,744 $7,214 4.25%
    Asian 9 $2,945,000 $327,222 $6,902 4.51%
    Native Hawaiian or Islander 3 $1,575,000 $525,000 $8,870 4.67%
    American Indian 5 $1,475,000 $295,000 $6,404 5.05%

    Approval Rates

    Total approvals of all applications
    92.25%

    Capital Partners Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    57.54%

    Capital Partners Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 471 $147,115,000 $312,346

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    471 $147,115,000 $312,346

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 19 $3,675,000 $193,421 $5,420 4.88%
    40-60% 44 $14,370,000 $326,591 $7,227 4.77%
    60-80% 174 $52,910,000 $304,080 $6,729 4.80%
    80-100% 199 $73,655,000 $370,126 $8,528 4.82%
    Over 100% 6 $2,010,000 $335,000 $15,280 5.04%
    Under 20% 29 $495,000 $17,069 $117 0.17%