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Capital City Home Loans, LLC
Independent Mortgage Company|Kennesaw, GA|Multi-Region
Loans Originated
1,506
Applications
2,077
Volume
$605 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.299%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,258
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Report Card
Capital City Home Loans, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 22 metro areas · 8 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$401,839
Average Borrower Income
$193,363
Average Property Value
$557,178
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 1,157 | 76.8% | +0.262% | $2,124 |
FHA Loans | Strong | Strong | Sound | Strong | 208 | 13.8% | +0.656% | $2,659 |
VA Loans | Sound | Strong | Acceptable | Strong | 51 | 3.4% | -0.171% | $3,382 |
Jumbo Loans | Sound | Strong | N/A | Sound | 74 | 4.9% | +0.506% | $4,981 |
USDA Loans | Sound | Sound | N/A | Sound | 16 | 1.1% | +0.272% | $1,687 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 1,380 | 91.6% | +0.298% | $2,217 |
Refinance | Sound | Strong | Acceptable | Strong | 126 | 8.4% | +0.309% | $2,608 |
Geographic Coverage
Metro Areas
21
States Served
8
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALFLGAMSNCSCTNVA
Top Metro Areas by Place Specialization Score
1
Tallahassee, FL, FLMSA
Volume: 171Mix: 11.35%
Place Specialization
Exceptional
2
Atlanta, GAMSA
Volume: 347Mix: 23.04%
Place Specialization
Exceptional
3
Marietta, GA, GAMSA
Volume: 160Mix: 10.62%
Place Specialization
Strong
4
Jacksonville, FL, FLMSA
Volume: 113Mix: 7.50%
Place Specialization
Strong
5
Brunswick, GAMSA
Volume: 42Mix: 2.79%
Place Specialization
Strong
6
Chattanooga, TN, TN-GAMSA
Volume: 45Mix: 2.99%
Place Specialization
Strong
7
Albany, GA, GAMSA
Volume: 26Mix: 1.73%
Place Specialization
Strong
8
Crestview, FLMSA
Volume: 29Mix: 1.93%
Place Specialization
Sound
9
Gainesville, GA, GAMSA
Volume: 21Mix: 1.39%
Place Specialization
Sound
10
Homosassa Springs, FL, FLMSA
Volume: 19Mix: 1.26%
Place Specialization
Sound
Showing 10 of 21 metro areas
Top States by Place Specialization Score
1
GAState
Volume: 822Mix: 54.58%
Place Specialization
Exceptional
2
FLState
Volume: 515Mix: 34.20%
Place Specialization
Strong
3
TNState
Volume: 83Mix: 5.51%
Place Specialization
Sound
4
NCState
Volume: 41Mix: 2.72%
Place Specialization
Sound
5
SCState
Volume: 26Mix: 1.73%
Place Specialization
Sound
6
ALState
Volume: 14Mix: 0.93%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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