Purchase Originations
1,157
Ranked #337 nationally
Median Total Costs
$7,623
+14.1% vs national ($6,680)
↑ $991 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,151
Median Lender Credits
$2,020
Cost Rank (500+ vol.)
#416
among lenders with 500+ originations
Denial Rate
4.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 902 | 6.750% | $6,185 | $2,323 |
| fha | 179 | 6.375% | $11,490 | $2,030 |
| va | 68 | 6.250% | $6,741 | $1,398 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 666 | 6.625% | $7,678 | #38 |
| Florida | 375 | 6.750% | $8,015 | #108 |
| Tennessee | 43 | 6.500% | $7,537 | — |
| North Carolina | 28 | 6.750% | $5,014 | — |
| South Carolina | 28 | 6.625% | $5,607 | — |
| Alabama | 13 | 6.875% | $8,928 | — |
| Virginia | 4 | 6.312% | $12,380 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,321 | 6.625% | — | 29 | −$3,302 | |
| 2 | $5,532 | 6.625% | — | 67 | −$2,091 | |
| 3 | $5,562 | 6.625% | — | 33 | −$2,061 | |
| 4 | $5,819 | 6.500% | — | 21 | −$1,804 | |
| 5 | $5,937 | 6.625% | — | 23 | −$1,686 | |
| 6 | $6,014 | 6.500% | — | 55 | −$1,609 | |
| 7 | $6,058 | 6.500% | — | 28 | −$1,565 | |
| 8 | $6,460 | 6.625% | — | 68 | −$1,163 | |
| 9 | $6,542 | 6.500% | — | 65 | −$1,081 | |
| 10 | $7,127 | 6.625% | — | 16 | −$496 | |
| 11 | $7,650 | 6.500% | — | 21 | +$27 | |
| 12 | $7,674 | 6.500% | — | 33 | +$51 | |
| 13 | $7,732 | 6.625% | — | 57 | +$109 | |
| 14 | $8,899 | 6.562% | — | 20 | +$1,276 | |
| 15 | $9,116 | 6.375% | — | 19 | +$1,493 | |
| 16 | $9,273 | 6.625% | — | 17 | +$1,650 | |
| 17 | $10,624 | 6.500% | — | 27 | +$3,001 | |
| 18 | $11,344 | 7.500% | — | 24 | +$3,721 | |
| 19 | $11,539 | 6.375% | — | 22 | +$3,916 | |
| 20 | $14,238 | 6.000% | — | 19 | +$6,615 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Capital City Home Loans, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $7,623 | $7,127 | +$496 (+7.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.