Capital Plus Financial Mortgage Rates, Fees & Info
BEDFORD, TXLEI: 549300ZY6PRWY54O6995
Tax ID: 47-1997371
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Mortgage Data
Review & Overview
Capital Plus Financial is a smaller mortgage company specializing in Home Purchase loans. Capital Plus Financial has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Houston, and San Antonio among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)Capital Plus Financial 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 Plus Financial 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 relatively high 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 | 11.94% | 5/4/24 |
| 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 Plus Financial Mortgage Calculator
Your Estimates
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
105Origination Dollar Volume (All Markets)
$12,905,000Awards
CAPITAL PLUS FINANCIAL - 2018
CAPITAL PLUS FINANCIAL is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 59 | $7,275,000 | $123,305 | $143 | 10.86% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 33 | $4,145,000 | $125,606 | $397 | 10.83% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 13 | $1,485,000 | $114,231 | $402 | 10.83% |
Similar Lenders
We use machine learning to identify the top lenders compared against CAPITAL PLUS FINANCIAL based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 86
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 105 | $12,905,000 | $122,905 | $255 | 10.85% |
For 2018, Capital Plus Financial's most frequently originated type of loan was Conventional, with 105 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 105 | $12,905,000 | $122,905 | $255 | 10.85% |
For 2018, Capital Plus Financial's most frequently cited loan purpose was Home Purchase, with 105 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 105 | $12,905,000 | $122,905 | $255 | 10.85% |
For 2018, Capital Plus Financial's most frequently cited loan duration was 30 Year, with 105 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 100 | $12,300,000 | $123,000 |
| $2k-3k | 4 | $520,000 | $130,000 |
| $1k-2k | 1 | $85,000 | $85,000 |
Capital Plus Financial's average total fees were $255, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 100 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 105 | $12,905,000 | $122,905 |
During 2018, Capital Plus Financial's average interest rate for loans was 10.85%, while their most frequently originated rate bucket for loans was Over 8%, with 105 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-200k | 102 | $12,630,000 | $123,824 | $260 | 10.85% |
| $100,000 or less | 3 | $275,000 | $91,667 | $70 | 10.72% |
2018 saw Capital Plus Financial place emphasis on $100k-200k loans with 102 originations, totaling $12,630,000 in origination value.
Applicant Income
Capital Plus Financial lent most frequently to those with incomes in the $50k-75k range, with 45 originations. The second most popular income band? $75k-100k, with 21 originations.
Applicant Debt to Income Ratio
Capital Plus Financial lent most frequently to those with DTI ratios of 20-30%, with 36 originations. The next most common DTI ratio? <20%, with 19 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 104 | $12,790,000 | $122,981 | $256 | 10.85% |
| Not provided | 1 | $115,000 | $115,000 | $108 | 10.41% |
Approval Rates
Total approvals of all applications94.74%
Capital Plus Financial has an average approval rate.
Pick Rate
Approvals leading to origination80.00%
Capital Plus Financial has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 105 | $12,905,000 | $122,905 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 105 | $12,905,000 | $122,905 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 60-80% | 2 | $260,000 | $130,000 | $1,150 | 10.55% |
| 80-100% | 103 | $12,645,000 | $122,767 | $237 | 10.85% |
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CAPITAL ONE FINANCIAL CORPORATION | Other type of mortgage | Trouble during payment process | 12 | 16.2% |
| CAPITAL ONE FINANCIAL CORPORATION | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 1.4% |
| CAPITAL ONE FINANCIAL CORPORATION | Other type of mortgage | Closing on a mortgage | 2 | 2.7% |
| CAPITAL ONE FINANCIAL CORPORATION | Other type of mortgage | Incorrect information on your report | 2 | 2.7% |
| CAPITAL ONE FINANCIAL CORPORATION | Other type of mortgage | Struggling to pay mortgage | 2 | 2.7% |
| CAPITAL ONE FINANCIAL CORPORATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 4 | 5.4% |
| CAPITAL ONE FINANCIAL CORPORATION | Conventional home mortgage | Closing on a mortgage | 2 | 2.7% |
| CAPITAL ONE FINANCIAL CORPORATION | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 1.4% |
| CAPITAL ONE FINANCIAL CORPORATION | Conventional home mortgage | Struggling to pay mortgage | 8 | 10.8% |
| CAPITAL ONE FINANCIAL CORPORATION | Conventional home mortgage | Trouble during payment process | 21 | 28.4% |
| CAPITAL ONE FINANCIAL CORPORATION | FHA mortgage | Struggling to pay mortgage | 1 | 1.4% |
| CAPITAL ONE FINANCIAL CORPORATION | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 6 | 8.1% |
| CAPITAL ONE FINANCIAL CORPORATION | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 3 | 4.1% |
| CAPITAL ONE FINANCIAL CORPORATION | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 1 | 1.4% |
| CAPITAL ONE FINANCIAL CORPORATION | Home equity loan or line of credit (HELOC) | Trouble during payment process | 8 | 10.8% |