Capital Partners Mortgage Rates, Fees & Info

WILMINGTON, DE

LEI: 549300X23Y2CUDX6A106

Tax ID: 46-2981456

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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • 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 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, Deltona, Tampa, and Palm Bay among others. We have data for 14 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

    906

    Origination Dollar Volume (All Markets)

    $223,200,000

    Awards

    CAPITAL PARTNERS MORTGAGE 30 Year Conventional Loans bronze
    Show all (1) awards

    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) 757 $189,105,000 $249,808 $5,156 4.54%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 110 $25,980,000 $236,182 $5,102 4.31%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 12 $1,840,000 $153,333 $3,993 3.84%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $1,230,000 $307,500 $5,533 4.78%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $1,120,000 $280,000 $6,099 4.53%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $1,050,000 $262,500 $4,705 4.72%
    JACKSONVILLE, FL (FHA|USDA|VA) 4 $920,000 $230,000 $4,333 4.68%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $850,000 $212,500 $4,181 4.34%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $240,000 $120,000 $3,985 4.35%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $215,000 $215,000 $2,284 4.00%
    OCALA, FL (FHA|USDA|VA) 1 $205,000 $205,000 $6,073 5.75%
    Palatka, FL (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.00%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $145,000 $145,000 $123 5.25%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $135,000 $135,000 $3,428 4.33%
    Capital Partners Mortgage's top markets include Miami, Port St. Lucie, Deltona, Tampa, and Palm Bay among others.

    Their top states include:
  • Florida (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.

    POWER FINANCIAL
    Similarity Rank: 188
    LAUNCH FEDERAL CREDIT UNION
    Similarity Rank: 225
    McCoy Federal Credit Union
    Similarity Rank: 342
    We Florida Financial
    Similarity Rank: 572
    AMERANT BANK, NATIONAL ASSOCIATION
    Similarity Rank: 755
    SOUTH FLORIDA EDUCATIONAL
    Similarity Rank: 940
    Citizens First Bank
    Similarity Rank: 1072
    BANKING MORTGAGE SERVICES, B.M.S. CORP.
    Similarity Rank: 1230
    ADDITION FINANCIAL
    Similarity Rank: 1288
    CROSSFIRE FINANCIAL NETWORK, INC.
    Similarity Rank: 1440

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 772 $187,190,000 $242,474 $4,460 4.49%
    FHA 98 $25,240,000 $257,551 $9,516 4.71%
    VA 36 $10,770,000 $299,167 $7,114 4.33%

    For 2019, Capital Partners Mortgage's most frequently originated type of loan was Conventional, with 772 originations. Their 2nd most popular type was FHA, with 98 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 792 $193,670,000 $244,533 $5,233 4.51%
    Cash Out Refi 60 $16,020,000 $267,000 $4,828 4.77%
    Refi 42 $12,960,000 $308,571 $4,543 4.03%
    Other 12 $550,000 $45,833 $570 5.04%

    For 2019, Capital Partners Mortgage's most frequently cited loan purpose was Home Purchase, with 792 originations. The 2nd most popular reason was Cash Out Refi, with 60 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 856 $212,200,000 $247,897 $5,181 4.55%
    15 Year 43 $8,955,000 $208,256 $3,651 3.67%
    20 Year 4 $1,150,000 $287,500 $4,809 3.91%
    Other 3 $895,000 $298,333 $6,939 5.04%

    For 2019, Capital Partners Mortgage's most frequently cited loan duration was 30 Year, with 856 originations. The 2nd most popular length was 15 Year, with 43 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 590 $144,430,000 $244,797
    $1k-2k 173 $40,385,000 $233,439
    $2k-3k 83 $18,355,000 $221,145
    $3k-4k 26 $6,100,000 $234,615
    $5k+ 19 $8,795,000 $462,895
    $4k-5k 15 $5,135,000 $342,333

    Capital Partners Mortgage's average total fees were $5,181, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 590 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 420 $100,150,000 $238,452
    3-4% 267 $75,665,000 $283,390
    5-6% 153 $33,915,000 $221,667
    6-7% 39 $11,085,000 $284,231
    <2.5% 15 $95,000 $6,333
    7-8% 7 $2,035,000 $290,714
    2.5-3% 4 $230,000 $57,500
    Over 8% 1 $25,000 $25,000

    During 2019, Capital Partners Mortgage's average interest rate for loans was 4.55%, while their most frequently originated rate bucket for loans was 4-5%, with 420 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 429 $122,375,000 $285,256 $5,797 4.50%
    $100k-200k 293 $44,955,000 $153,430 $4,351 4.68%
    $100,000 or less 83 $4,385,000 $52,831 $2,316 3.96%
    $400k-600k 83 $38,215,000 $460,422 $6,262 4.40%
    $600k-1MM 18 $13,270,000 $737,222 $8,768 5.14%

    2019 saw Capital Partners Mortgage place emphasis on $200k-400k loans with 429 originations, totaling $122,375,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 267 $51,975,000 $194,663 $5,098 4.45%
    $75k-100k 182 $45,550,000 $250,275 $5,212 4.50%
    $100k-150k 156 $45,700,000 $292,949 $5,448 4.46%
    $50k or less 117 $14,015,000 $119,786 $3,799 4.30%
    $150k-250k 108 $35,610,000 $329,722 $5,357 4.49%
    $250k+ 57 $24,945,000 $437,632 $5,991 4.82%

    Capital Partners Mortgage lent most frequently to those with incomes in the $50k-75k range, with 267 originations. The second most popular income band? $75k-100k, with 182 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 129 $32,255,000 $250,039 $4,397 4.45%
    30-36% 125 $31,925,000 $255,400 $4,909 4.42%
    <20% 73 $15,595,000 $213,630 $4,019 4.27%
    44% 46 $10,470,000 $227,609 $5,306 4.48%
    45% 44 $10,420,000 $236,818 $5,260 4.81%
    40% 43 $10,235,000 $238,023 $4,762 4.47%
    47% 42 $9,890,000 $235,476 $4,889 4.70%
    41% 40 $8,270,000 $206,750 $4,685 4.46%
    36% 39 $10,395,000 $266,538 $5,140 4.43%
    50-60% 39 $10,985,000 $281,667 $9,949 4.55%
    42% 38 $9,040,000 $237,895 $5,008 4.89%
    38% 38 $8,600,000 $226,316 $4,578 4.45%
    49% 38 $10,630,000 $279,737 $5,506 4.59%
    37% 37 $9,375,000 $253,378 $5,146 4.51%
    43% 37 $9,245,000 $249,865 $6,216 4.49%
    46% 35 $9,385,000 $268,143 $5,056 4.61%
    48% 31 $7,935,000 $255,968 $5,228 4.54%
    39% 28 $7,090,000 $253,214 $4,820 4.63%
    >60% 4 $1,460,000 $365,000 $6,995 4.31%

    Capital Partners Mortgage lent most frequently to those with DTI ratios of 20-30%, with 129 originations. The next most common DTI ratio? 30-36%, with 125 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 723 $179,575,000 $248,375 $4,952 4.50%
    Black 92 $19,530,000 $212,283 $5,797 4.58%
    Not provided 69 $17,755,000 $257,319 $5,643 4.43%
    Asian 17 $4,205,000 $247,353 $5,454 4.50%
    Not applicable 3 $1,645,000 $548,333 $6,754 6.66%
    Native Hawaiian or Islander 1 $385,000 $385,000 $12,265 5.00%
    American Indian 1 $105,000 $105,000 $3,375 5.00%

    Approval Rates

    Total approvals of all applications
    93.59%

    Capital Partners Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    66.56%

    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 906 $223,200,000 $246,358

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 3 $515,000 $171,667
    Single Family (1-4 Units):Site-Built 903 $222,685,000 $246,606

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 21 $4,355,000 $207,381 $3,910 4.64%
    40-60% 72 $15,160,000 $210,556 $4,136 4.32%
    60-80% 288 $70,160,000 $243,611 $4,516 4.58%
    80-100% 465 $123,355,000 $265,280 $5,882 4.62%
    Over 100% 6 $2,070,000 $345,000 $11,935 4.56%
    Under 20% 24 $440,000 $18,333 $442 2.44%

    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%