Capital City Home Loans

What Capital City Home Loans does

Capital City Home Loans is a regional mortgage lending company operating as a wholly-owned subsidiary of Capital City Bank. It originates, sells, and services residential mortgage loans across a nine-state footprint in the Southeastern United States, distributing through a network of field-based mortgage consultants supplemented by physical branch locations and a 24/7 online application portal. Its product suite spans the full range of agency-eligible and government-backed residential mortgage products — conventional fixed-rate, adjustable-rate, FHA, VA, USDA, jumbo, construction-to-permanent, and refinancing — augmented by a down payment assistance program offering grants of up to $10,000 to qualifying first-time homebuyers.

The company's technology infrastructure is built almost entirely on third-party vendor platforms: loan origination and the borrower-facing digital application run on the Ellie Mae (Black Knight/Mr. Cooper) mortgage platform, while a separate in-house servicing portal handles post-closing customer account management. There is no indication of proprietary AI/ML, alternative-data underwriting, or differentiated fintech tooling — the operating model is conventional bank-channel mortgage lending rather than a technology-platform play.

Revenue is generated through two streams: (1) transaction-fee origination income on newly originated loans, and (2) recurring servicing income on the retained servicing portfolio. Customer segments are predominantly consumer — first-time homebuyers, general move-up buyers, and refinance customers across the Southeast — with no disclosed institutional or commercial counterparty concentration. Marketing is multi-channel: owned website and resource center, organic social, email, and direct consultant-led engagement, with NMLS-registered licensing (#75615) supporting regulatory distribution.

Name

Capital City Home Loans

Legal name

Capital City Home Loans, LLC

Website

https://cchl.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

101–250 employees

Short description

Capital City Home Loans is a regional residential mortgage lender and servicer in the Southeast US, operating across nine states as a subsidiary of Capital City Bank. It originates agency, government-backed, and jumbo mortgages via field consultants, branches, and an Ellie Mae-powered online portal.

Ownership category

akta.pro rank

Product category

Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)

Keywords

• Mortgage lending
• Home loan origination
• Loan servicing
• Refinancing services
• Construction-to-permanent loans

Headquarters

HQ city

Lawrenceville

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Mortgage Origination: Capital City Home Loans generates revenue through origination fees charged to borrowers when originating new mortgage loans, as well as interest rate differentials on loans held in portfolio or sold to secondary markets.
2. Loan Servicing: Revenue generated from servicing existing mortgage loans, including payment processing, escrow management, and customer account maintenance fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Capital City Home Loans is a residential mortgage lender that originates and services home loans for individual consumers across a nine-state Southeast region. It offers a wide range of loan products including conventional fixed-rate and adjustable-rate mortgages, FHA, VA, USDA Rural Development, jumbo, and construction-to-permanent loans, delivered through licensed mortgage consultants, branch offices, and a digital application portal, with supplemental down payment assistance grants in select states.

Product overview

Capital City Home Loans operates a mortgage lending platform comprising digital application and loan servicing portals, supported by Ellie Mae's mortgage technology infrastructure for loan processing. The core product suite includes 8 distinct loan program modules covering conventional mortgages, government-backed products (FHA, VA, USDA), jumbo loans, and construction financing. The company also offers refinancing and down payment assistance (up to $10,000 grants) as differentiated product lines. Supporting the loan products are complementary add-on tools including mortgage and refinance calculators, a rent-vs-buy calculator, and a comprehensive homebuyer guide. Mortgage consultant services provide personalized guidance through the application and closing process across a nine-state Southeast footprint.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Origination End-to-end residential mortgage origination for individual consumers across a nine-state Southeast region, covering application intake, processing, underwriting, closing, and funding for purchase and refinance transactions.
• Loan Servicing Recurring mortgage servicing for borrowers of originated loans, including payment collection, escrow administration, and a servicing portal through which borrowers can manage their loan after closing.
• Conventional Fixed-Rate Mortgages Fixed-rate conforming residential purchase and refinance mortgages for borrowers purchasing or refinancing a primary residence, designed for stable monthly payments over a fixed term.
• Adjustable-Rate Mortgages (ARMs) Residential ARMs whose interest rate adjusts after an initial fixed period, intended for borrowers seeking initially lower payments or planning to sell or refinance before the first rate adjustment.
• FHA Loans Government-backed FHA-insured mortgages with lower down payment thresholds and flexible credit guidelines, targeted at first-time and moderate-income homebuyers who may not qualify for conventional financing.
• VA Loans Veterans Affairs-backed mortgages for eligible service members, veterans, and their families, typically featuring no down payment requirement and competitive terms for primary residence purchase.
• USDA Rural Development Loans USDA Rural Development loan program providing 100% financing for eligible borrowers purchasing homes in designated rural areas within the company's nine-state Southeast service region.
• Jumbo Loans Non-conforming jumbo mortgages for borrowers financing homes that exceed conforming loan limits, serving high-balance purchase and refinance transactions.
• Construction-to-Permanent Loans Single-close construction-to-permanent financing that converts a construction loan into a permanent mortgage after the home is built, eliminating the need for a separate closing at the end of construction.
• First-Time Homebuyer Programs Loan programs and resources tailored for first-time homebuyers, often paired with down payment assistance grants of up to $10,000 in select states.
• Refinance Services Rate-and-term and cash-out refinancing across the company's full product set, available to existing homeowners looking to lower payments, change loan terms, or access equity.
• Down Payment Assistance Down payment assistance grants of up to $10,000 offered in select states to qualifying homebuyers, supplementing purchase financing to reduce upfront cash requirements.
• Mortgage Consultant Services One-on-one consultation with licensed mortgage consultants who guide borrowers through program selection, application, documentation, and closing, with the company's tagline "Every loan has a story... let us help you write yours."
• Online Mortgage Application Portal Consumer-facing digital portal that enables prospective borrowers to start and track a mortgage application online, providing self-serve access independent of the consultant channel.
• Servicing Portal Servicing portal giving existing borrowers 24/7 online access to make mortgage payments, view statements, and manage escrow and account details post-closing.

Quantifiable outcome

• Down payment assistance grants up to $10,000 available for qualifying home buyers

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Ellie MaecoreTechnology or IntegrationCapital City Home Loans utilizes the Ellie Mae mortgage origination platform for online loan applications. The Ellie Mae platform (now part of Black Knight/Mr. Cooper) provides the technology infrastructure powering the company's borrower portal and loan application workflow, enabling digital mortgage application submission and processing.
• Federal Housing Administration (FHA)coreOthersCapital City Home Loans offers FHA loan programs, which are government-backed mortgages insured by the FHA. These loans are designed to help first-time homebuyers and those with limited down payment funds access homeownership with lower barriers to entry.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• loanDepot: One of the largest independent retail mortgage originators in the US, offering conventional, government, and refinance products through a hybrid retail-direct model. Directly comparable to Capital City Home Loans in product breadth, multi-channel distribution, and reliance on origination economics.
• Rocket Mortgage: Largest US retail mortgage originator and the dominant digital-first mortgage lender. Competes head-to-head with Capital City Home Loans for first-time and general homebuyers, particularly via direct-to-consumer digital channels that pressure CCHL's consultant-led model.
• Guild Mortgage: Mid-sized retail mortgage lender with a strong footprint in the Western and Southeastern US, offering a similar suite of conventional, government, and specialty products. Closely comparable in scale, product breadth, and regional branch-supported model.
• Newrez / Caliber Home Loans: Large-scale mortgage originator and servicer formed via the Caliber acquisition. Offers retail, wholesale, and correspondent channels with a comparable product suite including government-backed programs and construction lending.
• UWM (United Wholesale Mortgage): Largest US wholesale mortgage lender, providing origination infrastructure and competing indirectly with CCHL for loan production volume. Comparable product set and reliance on loan officer distribution networks.
• New American Funding: Mid-to-large retail and direct mortgage lender with a strong presence in the Southeast and Southwest, offering conventional, government, and specialized programs including DPA. Comparable in size, geography, and product breadth to CCHL.
• Homebridge Financial Services: National mortgage lender offering retail, wholesale, and correspondent origination across conventional, government, and specialty products. Comparable in scale and multi-channel strategy to CCHL.
• PennyMac Financial Services: Large-scale mortgage originator and servicer with significant government program exposure and a growing direct-to-consumer retail channel. Comparable in product mix and servicing-revenue diversification.
• Planet Home Lending: Mid-sized mortgage lender offering retail, wholesale, and correspondent channels with strong government program specialization. Comparable in scale, product breadth, and channel mix to CCHL.
• Cardinal Financial: Mid-sized retail and wholesale mortgage lender with a comparable product suite including government-backed programs and a multi-channel distribution strategy. Similar in size and product positioning to CCHL.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/capitalcityhome
• Facebookfacebook.com/CapitalCityHomeLoans
• LinkedInlinkedin.com/company/capital-city-home-loans-llc

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Capital City Home Loans