Capital City Home Loans
We analyzed every closed loan from Capital City Home Loans — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Multi-Region · 21 mkts
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Capital City Home Loans performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+29.9 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 22 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,157 | 76.8% | +0.262%Above | $2,124Fees | ||||
FHA Loans | 208 | 13.8% | +0.656%Above | $2,659Fees | ||||
VA Loans | 51 | 3.4% | -0.171%Below | $3,382Fees | ||||
Jumbo Loans | — | 74 | 4.9% | +0.506%Above | $4,981Fees | |||
USDA Loans | — | 16 | 1.1% | +0.272%Above | $1,687Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,157
Mix76.8%
Spread
+0.262%Above
Fees
$2,124Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume208
Mix13.8%
Spread
+0.656%Above
Fees
$2,659Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume51
Mix3.4%
Spread
-0.171%Below
Fees
$3,382Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume74
Mix4.9%
Spread
+0.506%Above
Fees
$4,981Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume16
Mix1.1%
Spread
+0.272%Above
Fees
$1,687Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,380 | 91.6% | +0.298%Above | $2,217Fees | ||||
Refinance | 126 | 8.4% | +0.309%Above | $2,608Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,380
Mix91.6%
Spread
+0.298%Above
Fees
$2,217Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume126
Mix8.4%
Spread
+0.309%Above
Fees
$2,608Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,506
Applications
2,077
Volume
$605 million
Pricing & Closing
Avg Rate Spread
+0.299%
vs. market APOR
Avg Net Fees
$2,258
Origination − Credits
Pullthrough Rate
72.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$401,839
Avg Borrower Income
$193,363
Avg Property Value
$557,178
Geographic Coverage
Geographic Performance
Metro Areas
21
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
8South8
ALFLGAMSNCSCTNVA
Top Metro Areas by Place Specialization Score
Volume 171Mix 11.35% of portfolio
90/100
Exceptional
Volume 347Mix 23.04% of portfolio
80/100
Exceptional
Volume 160Mix 10.62% of portfolio
79/100
Strong
Volume 113Mix 7.50% of portfolio
70/100
Strong
Volume 42Mix 2.79% of portfolio
69/100
Strong
Volume 45Mix 2.99% of portfolio
63/100
Strong
Volume 26Mix 1.73% of portfolio
63/100
Strong
Volume 29Mix 1.93% of portfolio
58/100
Sound
Volume 21Mix 1.39% of portfolio
57/100
Sound
Volume 19Mix 1.26% of portfolio
56/100
SoundShowing 10 of 21 metro areas
Top States by Place Specialization Score
1
GeorgiaState
Volume 822Mix 54.58% of portfolio
85/100
Exceptional2
FloridaState
Volume 515Mix 34.20% of portfolio
74/100
Strong3
TennesseeState
Volume 83Mix 5.51% of portfolio
60/100
Sound4
North CarolinaState
Volume 41Mix 2.72% of portfolio
49/100
Sound5
South CarolinaState
Volume 26Mix 1.73% of portfolio
47/100
Sound6
AlabamaState
Volume 14Mix 0.93% of portfolio
41/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.