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
Promptness
Not enough data
—/5
No quote responses measured yet
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
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,157 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
FHA
208 loans · 0.66% above market
Strong
Top 40% of lenders
4/5
VA
51 loans · 0.17% below market
Strong
Top 40% of lenders
4/5
Jumbo
74 loans · 0.51% above market
Strong
Top 40% of lenders
4/5
USDA
16 loans · 0.27% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
1,380 loans · 0.30% above market
Strong
Top 40% of lenders
4/5
Refinance
126 loans · 0.31% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 22 markets
Sound
Top 60% of lenders
3/5
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
8Full-year 2024 · HMDALoans originated
< 2020–5050–100100–500500+None
South8
ALFLGAMSNCSCTNVA
Top Metro Areas by Place Specialization Score
Showing 10 of 21 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.
Looking for a different lender?
Are you the owner of Capital City Home Loans?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.