Capital Partners Mortgage Rates, Fees & Info
WILMINGTON, DELEI: 549300X23Y2CUDX6A106
Tax ID: 46-2981456
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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, 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 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.
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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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,045Origination Dollar Volume (All Markets)
$324,415,000Top 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% |
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 | 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
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
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
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
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
2021 saw Capital Partners Mortgage place emphasis on $200k-400k loans with 543 originations, totaling $158,495,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications92.55%
Capital Partners Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination55.22%
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 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Capital For Change, Inc. | FHA mortgage | Struggling to pay mortgage | 1 | 100.0% |