Applications / Mortgage Analytics / Lenders / Georgia / Capital City Home Loans
Marietta, GA · Non-bank subsidiary of a bank · CFPB · 1,584 loans in 2025
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1,584
loans originated, 2025
2,162
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Capital City Home Loans, a bank-owned mortgage company based in Georgia, lends almost entirely to home buyers and is gaining ground in Tallahassee.
Home purchases made up 88.1% of its loans and refinancing only 8.9%. Its typical loan, $345,000, was larger than at similar lenders, meaning non-bank subsidiaries of banks making between half and twice as many loans, where it was $305,000. Jumbo loans, those above the conforming limit, were 5.0% of its lending against 2.5%.
It has lent in Tallahassee since 2012 and now ranks 8 of 372 lenders there. Its share rose from 1.9% to 3.0%, with Rocket Mortgage and Movement Mortgage leading the market. In its home metro of Atlanta it ranks 62 of 892.
Borrowers with low or moderate incomes took 19.4% of its loans, against 29.9% at similar lenders, fewer than at more than nine in ten of them. Its larger loans and bigger jumbo share suggest buyers of pricier homes, which could account for much of that. In poorer neighborhoods the gap is narrower, 17.0% against 20.4%.
Its 1,584 loans were 4% fewer than in 2024, while similar lenders held level. Volume has fallen each year since 2020, when it made 5,771 loans, and the record does not show why.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Capital City Home Loans took 2,162 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.1% · Refinance 8.9% · Other 2.6% · Home improvement 0.4%
Conventional 79.4% · FHA 15.4% · VA 4.5% · USDA (RHS or FSA) 0.6% · of 1,584 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 820 | 51.8% |
| Florida | 599 | 37.8% |
| Tennessee | 60 | 3.8% |
| North Carolina | 41 | 2.6% |
| South Carolina | 37 | 2.3% |
| Alabama | 23 | 1.5% |
| Virginia | 4 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 351 |
| Tallahassee | 185 |
| Jacksonville | 123 |
| Marietta | 120 |
| Brunswick-St. Simons | 58 |
| Tampa | 49 |
| Panama City-Panama City Beach | 33 |
| Chattanooga | 31 |
| Gainesville | 26 |
| Gainesville | 25 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IKNQI45EOJU155 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3467828 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 23467828 | 2007–2017 |
Established 7 August 2006. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Capital City Home Loans's data.
Capital City Home Loans's data
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