# Capital City Home Loans, LLC

> **Canonical URL:** https://saferate.com/lenders/capital-city-home-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Capital City Home Loans, LLC is a independent mortgage company, headquartered in Kennesaw, GA, serving borrowers across 8 states, with 1,506 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 56% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300IKNQI45EOJU155
- **Headquarters:** Kennesaw, GA
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AL, FL, GA, MS, NC, SC, TN, VA
- **Markets (MSAs):** 22
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.299%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,258
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,506
- **Dollar Volume:** $605 million
- **Applications Received:** 2,077
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $401,839
- **Average Borrower Income:** $193,363
- **Average Property Value:** $557,178

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 1,157 | +0.262% | $2,124 | Strong 😀 |
| FHA | 74/100 | 208 | +0.656% | $2,659 | Strong 😀 |
| VA | 64/100 | 51 | -0.171% | $3,382 | Strong 😀 |
| Jumbo | 77/100 | 74 | +0.506% | $4,981 | Strong 😀 |
| USDA | 50/100 | 16 | +0.272% | $1,687 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,046 loans, Score: 77/100 (Strong)
- Refinance: 111 loans, Score: 68/100 (Strong)

**FHA:**
- Purchase: 198 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 50 loans, Score: 65/100 (Strong)

**Jumbo:**
- Purchase: 70 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 77/100 | 1,380 | $563M | +0.298% | Strong 😀 |
| Refinance | 67/100 | 126 | $43M | +0.309% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 822 | 0.60% | 85/100 |
| FL | 515 | 0.18% | 74/100 |
| TN | 83 | 0.09% | 60/100 |
| NC | 41 | 0.03% | 49/100 |
| SC | 26 | 0.03% | 47/100 |
| AL | 14 | 0.02% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 347 | 80/100 |
| Non |  | 242 | 63/100 |
| Tallahassee, FL | FL | 171 | 90/100 |
| Marietta, GA | GA | 160 | 79/100 |
| Jacksonville, FL | FL | 113 | 70/100 |
| Chattanooga, TN | TN-GA | 45 | 63/100 |
| Brunswick | GA | 42 | 69/100 |
| Tampa, FL | FL | 42 | 55/100 |
| Nashville | TN | 31 | 52/100 |
| Crestview | FL | 29 | 58/100 |
| Albany, GA | GA | 26 | 63/100 |
| Wilmington, NC | NC | 23 | 53/100 |
| Gainesville, GA | GA | 21 | 57/100 |
| Homosassa Springs, FL | FL | 19 | 56/100 |
| Athens | GA | 17 | 53/100 |

## Where This Lender Ranks

Capital City Home Loans, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Tallahassee, FL Mortgage Companies
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Brunswick for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/brunswick/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Albany, GA Mortgage Companies
  - [View Full Rankings](https://saferate.com/albany-ga/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Albany, GA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albany-ga/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Tallahassee, FL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Tallahassee, FL for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Brunswick
  - [View Full Rankings](https://saferate.com/brunswick/best-mortgage-lenders)
- 🏆 **#4** in Brunswick Mortgage Companies
  - [View Full Rankings](https://saferate.com/brunswick/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Albany, GA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albany-ga/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Brunswick for Conventional Loans
  - [View Full Rankings](https://saferate.com/brunswick/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Tallahassee, FL
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders)
- 🏆 **#6** in Tallahassee, FL for FHA Loans
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Brunswick for FHA Loans
  - [View Full Rankings](https://saferate.com/brunswick/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Brunswick for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/brunswick/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Crestview for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/crestview/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#7** in Georgia for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Atlanta for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Marietta, GA for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#7** in Jacksonville, FL for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#7** in Albany, GA
  - [View Full Rankings](https://saferate.com/albany-ga/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Capital City Home Loans, LLC offer?

Capital City Home Loans, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Capital City Home Loans, LLC offer mortgages?

Capital City Home Loans, LLC offers mortgages in 8 states: AL, FL, GA, MS, NC, SC, TN, VA.

### How competitive are Capital City Home Loans, LLC's mortgage rates?

Capital City Home Loans, LLC has a pricing score of 44/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.299% above market average.

### What type of lender is Capital City Home Loans, LLC?

Capital City Home Loans, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Kennesaw, GA.

### What is Capital City Home Loans, LLC's loan approval success rate?

Capital City Home Loans, LLC has a pull-through score of 72/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/capital-city-home-loans

### How to Cite

> "Capital City Home Loans, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/capital-city-home-loans

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