Capital City Home Loans, LLC mortgage approval rate & lending review
Capital City Home Loans, LLC decided 3,361 mortgage applications and funded 3,091 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Capital City Home Loans, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to ccbg.com.
Capital City Home Loans, LLC at a glance
Approval is 6.6 points above the 85.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 2,452 / 2,603 | 100% | $375K | 2,443 |
| Home improvement loans | 86% | 24 / 28 | 100% | $135K | 24 |
| Cash-out refinance | 78% | 134 / 171 | 100% | $255K | 134 |
| Refinance | 88% | 146 / 166 | 100% | $295K | 146 |
| Investment property purchase | 91% | 316 / 347 | 99% | $335K | 313 |
| Investment cash-out refinance | 75% | 21 / 28 | 100% | $195K | 21 |
Capital City Home Loans, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 94% | $415K | 1,679 | 1,568 |
| Florida | 90% | $295K | 1,199 | 1,078 |
| Tennessee | 95% | $505K | 219 | 207 |
| North Carolina | 88% | $325K | 117 | 103 |
| South Carolina | 94% | $605K | 85 | 80 |
| Alabama | 88% | $405K | 49 | 42 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Capital City Home Loans, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Leon County, FL | Mortgage lenders | 95% | 353 | 337 |
| Cobb County, GA | Mortgage lenders | 96% | 265 | 251 |
| Fulton County, GA | Mortgage lenders | 93% | 228 | 211 |
| Gwinnett County, GA | Mortgage lenders | 91% | 202 | 182 |
| Cherokee County, GA | Mortgage lenders | 98% | 96 | 93 |
| Forsyth County, GA | Mortgage lenders | 97% | 94 | 90 |
| Walton County, GA | Mortgage lenders | 99% | 77 | 76 |
| Hamilton County, TN | Mortgage lenders | 99% | 77 | 76 |
| Hall County, GA | Mortgage lenders | 97% | 70 | 68 |
| Hernando County, FL | Mortgage lenders | 82% | 72 | 59 |
| Hernando County, FL | Refinance | 100% | 47 | 47 |
| Bay County, FL | Mortgage lenders | 96% | 46 | 44 |
The county markets where Capital City Home Loans, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Capital City Home Loans, LLC
What is Capital City Home Loans, LLC's mortgage approval rate?
Capital City Home Loans, LLC approved 92.3% of the 3,361 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.6 points above the 85.7% national rate for the same mix of loan types.
How often do borrowers take the loan Capital City Home Loans, LLC offers?
Borrowers accepted 100% of the loans Capital City Home Loans, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Capital City Home Loans, LLC make?
The typical home purchase mortgage loan Capital City Home Loans, LLC made was $375K; across all loan types its typical loan ran from $135K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Capital City Home Loans, LLC lend?
Capital City Home Loans, LLC decided applications in 9 of the states Fat Boy Data covers, most of them in Georgia, Florida and Tennessee.
Can I apply to Capital City Home Loans, LLC directly?
Yes. Capital City Home Loans, LLC reports as a direct lender that takes applications from borrowers. Its website is ccbg.com.
Does this page show Capital City Home Loans, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Capital City Home Loans, LLC treats applications, then get a rate quote from the lender.