Capital Partners Mortgage Rates, Fees & Info

WILMINGTON, DE

LEI: 549300X23Y2CUDX6A106

Tax ID: 46-2981456

Latest/2024 | 2023 Data | 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 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, Orlando, 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 a low 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

    1,045

    Origination Dollar Volume (All Markets)

    $324,415,000

    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
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 811 $261,405,000 $322,324 $5,777 3.22%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 153 $39,775,000 $259,967 $5,628 3.20%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 27 $6,605,000 $244,630 $5,572 3.25%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 12 $4,000,000 $333,333 $4,939 3.31%
    JACKSONVILLE, FL (FHA|USDA|VA) 7 $2,505,000 $357,857 $4,693 3.23%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 6 $2,050,000 $341,667 $5,087 3.06%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 6 $1,620,000 $270,000 $6,477 3.06%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $1,540,000 $256,667 $4,877 3.41%
    Key West, FL (FHA|USDA|VA) 4 $1,430,000 $357,500 $6,470 3.50%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $1,120,000 $280,000 $7,533 2.72%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $925,000 $308,333 $6,118 3.33%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $860,000 $430,000 $5,261 3.13%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $255,000 $255,000 $5,125 3.63%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $145,000 $145,000 $4,956 4.38%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $95,000 $95,000 $2,766 3.25%
    OCALA, FL (FHA|USDA|VA) 1 $85,000 $85,000 $4,623 3.50%
    Capital Partners Mortgage's top markets include Miami, Port St. Lucie, Deltona, Orlando, and Jacksonville 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.

    DADE COUNTY FEDERAL CREDIT UNION
    Similarity Rank: 167
    POWER FINANCIAL
    Similarity Rank: 768
    LAUNCH FEDERAL CREDIT UNION
    Similarity Rank: 1672
    Citizens First Bank
    Similarity Rank: 1696
    We Florida Financial
    Similarity Rank: 1770
    AMERANT BANK, NATIONAL ASSOCIATION
    Similarity Rank: 2134
    MIAMI FIREFIGHTERS FCU
    Similarity Rank: 2205
    SOUTH FLORIDA EDUCATIONAL
    Similarity Rank: 3054
    PARK SQUARE HOME MORTGAGE, LLC
    Similarity Rank: 3582
    VYSTAR
    Similarity Rank: 3741

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 931 $289,015,000 $310,435 $5,133 3.23%
    FHA 79 $23,425,000 $296,519 $10,682 3.28%
    VA 35 $11,975,000 $342,143 $10,496 2.92%

    For 2021, Capital Partners Mortgage's most frequently originated type of loan was Conventional, with 931 originations. Their 2nd most popular type was FHA, with 79 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 746 $238,290,000 $319,424 $6,124 3.26%
    Refi 168 $48,820,000 $290,595 $4,354 2.96%
    Cash Out Refi 130 $37,030,000 $284,846 $5,204 3.33%
    Other 1 $275,000 $275,000 $13,307 3.13%

    For 2021, Capital Partners Mortgage's most frequently cited loan purpose was Home Purchase, with 746 originations. The 2nd most popular reason was Refi, with 168 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 947 $299,575,000 $316,341 $5,922 3.28%
    15 Year 76 $19,680,000 $258,947 $4,108 2.68%
    20 Year 12 $3,310,000 $275,833 $3,527 3.06%
    Other 6 $1,400,000 $233,333 $3,829 3.02%
    5 Year 3 $25,000 $8,333 $0 0.00%
    10 Year 1 $425,000 $425,000 $4,143 2.63%

    For 2021, Capital Partners Mortgage's most frequently cited loan duration was 30 Year, with 947 originations. The 2nd most popular length was 15 Year, with 76 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 758 $234,390,000 $309,222
    $2k-3k 138 $38,790,000 $281,087
    $3k-4k 64 $20,520,000 $320,625
    $5k+ 32 $17,920,000 $560,000
    $<1k 28 $4,750,000 $169,643
    $4k-5k 25 $8,045,000 $321,800

    Capital Partners Mortgage's average total fees were $5,922, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 758 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 586 $178,580,000 $304,744
    2.5-3% 352 $118,730,000 $337,301
    <2.5% 54 $13,020,000 $241,111
    4-5% 46 $11,440,000 $248,696
    5-6% 6 $2,530,000 $421,667
    6-7% 1 $115,000 $115,000

    During 2021, Capital Partners Mortgage's average interest rate for loans was 3.28%, while their most frequently originated rate bucket for loans was 3-4%, with 586 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 543 $158,495,000 $291,888 $5,879 3.22%
    $100k-200k 217 $32,955,000 $151,866 $4,252 3.41%
    $400k-600k 190 $91,040,000 $479,158 $6,614 3.14%
    $100,000 or less 55 $3,555,000 $64,636 $2,767 2.78%
    $600k-1MM 28 $20,970,000 $748,929 $8,407 3.15%
    $1MM+ 12 $17,400,000 $1,450,000 $19,201 3.36%

    2021 saw Capital Partners Mortgage place emphasis on $200k-400k loans with 543 originations, totaling $158,495,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 236 $79,470,000 $336,737 $5,758 3.17%
    $50k-75k 232 $52,250,000 $225,216 $5,533 3.18%
    $75k-100k 203 $58,025,000 $285,837 $5,702 3.23%
    $150k-250k 187 $71,345,000 $381,524 $5,533 3.23%
    $50k or less 101 $14,315,000 $141,733 $4,480 3.26%
    $250k+ 75 $44,885,000 $598,467 $7,826 3.29%

    Capital Partners Mortgage lent most frequently to those with incomes in the $100k-150k range, with 236 originations. The second most popular income band? $50k-75k, with 232 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 158 $52,390,000 $331,582 $5,585 3.21%
    20-30% 149 $45,175,000 $303,188 $4,938 3.17%
    <20% 66 $20,220,000 $306,364 $5,515 2.89%
    43% 59 $16,355,000 $277,203 $5,560 3.28%
    49% 57 $14,925,000 $261,842 $5,749 3.29%
    44% 55 $15,885,000 $288,818 $5,499 3.32%
    39% 53 $19,835,000 $374,245 $5,766 3.32%
    38% 50 $14,040,000 $280,800 $5,305 3.27%
    42% 48 $13,240,000 $275,833 $5,563 3.32%
    41% 48 $16,650,000 $346,875 $6,189 3.31%
    48% 43 $11,695,000 $271,977 $5,966 3.25%
    40% 42 $11,770,000 $280,238 $5,808 3.28%
    45% 41 $12,525,000 $305,488 $5,501 3.28%
    36% 38 $15,610,000 $410,789 $5,745 3.19%
    50-60% 37 $12,725,000 $343,919 $10,690 3.06%
    47% 33 $9,385,000 $284,394 $5,111 3.27%
    37% 32 $10,370,000 $324,063 $5,908 3.24%
    46% 29 $9,005,000 $310,517 $5,769 3.27%
    >60% 2 $940,000 $470,000 $11,507 3.19%

    Capital Partners Mortgage lent most frequently to those with DTI ratios of 30-36%, with 158 originations. The next most common DTI ratio? 20-30%, with 149 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 807 $253,205,000 $313,761 $5,671 3.21%
    Not provided 120 $37,210,000 $310,083 $5,354 3.23%
    Black 93 $24,815,000 $266,828 $6,615 3.27%
    Asian 22 $8,430,000 $383,182 $6,374 3.09%
    American Indian 2 $590,000 $295,000 $5,764 3.56%
    Native Hawaiian or Islander 1 $165,000 $165,000 $3,952 3.88%

    Approval Rates

    Total approvals of all applications
    92.55%

    Capital Partners Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    55.22%

    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 1,045 $324,415,000 $310,445

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,045 $324,415,000 $310,445

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 38 $8,340,000 $219,474 $4,270 3.21%
    40-60% 127 $34,295,000 $270,039 $4,447 2.99%
    60-80% 421 $130,385,000 $309,703 $5,253 3.33%
    80-100% 431 $145,485,000 $337,552 $6,588 3.28%
    Over 100% 15 $5,525,000 $368,333 $13,622 2.92%
    Under 20% 13 $385,000 $29,615 $598 0.45%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Capital For Change, Inc. FHA mortgage Struggling to pay mortgage 1 100.0%