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We analyzed every closed loan from Capital City Home Loans — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
Multi-Region · 21 mkts
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
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Report Card
Capital City Home Loans, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +29.9 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Multi-Regional22 markets | |
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 |
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 |
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
States Served
8
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALFLGAMSNCSCTNVA
Top Metro Areas by Place Specialization Score
1
Tallahassee, FL, FLMSA
Volume: 171Mix: 11.35%of portfolio
Place
Exceptional2
Atlanta, GAMSA
Volume: 347Mix: 23.04%of portfolio
Place
Exceptional3
Marietta, GA, GAMSA
Volume: 160Mix: 10.62%of portfolio
Place
Strong4
Jacksonville, FL, FLMSA
Volume: 113Mix: 7.50%of portfolio
Place
Strong5
Brunswick, GAMSA
Volume: 42Mix: 2.79%of portfolio
Place
Strong6
Chattanooga, TN, TN-GAMSA
Volume: 45Mix: 2.99%of portfolio
Place
Strong7
Albany, GA, GAMSA
Volume: 26Mix: 1.73%of portfolio
Place
Strong8
Crestview, FLMSA
Volume: 29Mix: 1.93%of portfolio
Place
Sound9
Gainesville, GA, GAMSA
Volume: 21Mix: 1.39%of portfolio
Place
Sound10
Homosassa Springs, FL, FLMSA
Volume: 19Mix: 1.26%of portfolio
Place
SoundShowing 10 of 21 metro areas
Top States by Place Specialization Score
1
GAState
Volume: 822Mix: 54.58%of portfolio
Place
Exceptional2
FLState
Volume: 515Mix: 34.20%of portfolio
Place
Strong3
TNState
Volume: 83Mix: 5.51%of portfolio
Place
Sound4
NCState
Volume: 41Mix: 2.72%of portfolio
Place
Sound5
SCState
Volume: 26Mix: 1.73%of portfolio
Place
Sound6
ALState
Volume: 14Mix: 0.93%of portfolio
Place
SoundHow 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.