Capital Bank Mortgage Rates, Fees & Info

Rockville, MD

LEI: 54930044OSTKOJMHF287

Tax ID: 52-2132492

5 stars - out of 5 stars, based on 52 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Capital Bank is a small bank specializing in Refi and Home Purchase loans. Capital Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Washington, Salisbury, Baltimore, Boston, and Philadelphia among others. Capital Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Capital Bank is typically an average fee lendor.


Originations

2,696

Origination Dollar Volume (All Markets)

$1,073,860,000

Employee count

261 Show all (16) awards

Relative Rate

Capital Bank's average 30 year fixed rate mortgage of loans were 2.87%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.28%.

Relative Fees

Capital Bank's average total fees for a 30 year fixed rate mortgage are $5,415.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1,010 $482,180,000 $477,406 $6,034 2.95%
SALISBURY, MD-DE (FHA|USDA|VA) 393 $166,755,000 $424,313 $5,334 2.88%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 302 $100,380,000 $332,384 $4,658 2.87%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 55 $22,335,000 $406,091 $2,408 2.89%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 59 $20,185,000 $342,119 $4,887 2.76%
Outside of Metro Areas 35 $10,855,000 $310,143 $4,055 2.72%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 27 $10,255,000 $379,815 $4,915 2.80%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 31 $9,525,000 $307,258 $4,294 2.74%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 21 $9,055,000 $431,190 $4,972 3.05%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 28 $9,000,000 $321,429 $5,713 2.86%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 25 $8,025,000 $321,000 $5,470 2.74%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 14 $7,860,000 $561,429 $4,554 2.82%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 18 $6,830,000 $379,444 $2,813 2.55%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 15 $6,595,000 $439,667 $7,215 2.79%
RALEIGH-CARY, NC (FHA|USDA|VA) 16 $6,080,000 $380,000 $3,496 2.57%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 15 $5,805,000 $387,000 $5,275 2.85%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 17 $4,995,000 $293,824 $5,765 2.76%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 10 $4,610,000 $461,000 $8,055 2.41%
KANSAS CITY, MO-KS (FHA|USDA|VA) 14 $4,530,000 $323,571 $4,883 2.41%
WORCESTER, MA-CT (FHA|USDA|VA) 12 $4,340,000 $361,667 $3,031 2.86%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 8 $4,280,000 $535,000 $5,375 2.47%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 13 $3,495,000 $268,846 $4,063 3.06%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 12 $3,380,000 $281,667 $3,966 2.70%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 8 $3,290,000 $411,250 $3,109 2.67%
RICHMOND, VA (FHA|USDA|VA) 11 $3,195,000 $290,455 $3,270 2.97%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 10 $3,180,000 $318,000 $2,547 2.70%
COLORADO SPRINGS, CO (FHA|USDA|VA) 7 $3,045,000 $435,000 $1,819 2.39%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $3,030,000 $378,750 $3,987 2.59%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 9 $3,005,000 $333,889 $3,970 2.75%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 10 $2,930,000 $293,000 $3,714 2.96%
DOVER, DE (FHA|USDA|VA) 11 $2,915,000 $265,000 $5,801 2.81%
WINCHESTER, VA-WV (FHA|USDA|VA) 12 $2,910,000 $242,500 $3,614 2.71%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 9 $2,785,000 $309,444 $2,045 2.71%
PITTSBURGH, PA (FHA|USDA|VA) 12 $2,770,000 $230,833 $4,269 2.76%
RENO, NV (FHA|USDA|VA) 5 $2,735,000 $547,000 $7,037 2.58%
SALT LAKE CITY, UT (FHA|USDA|VA) 6 $2,700,000 $450,000 $5,194 2.42%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 9 $2,675,000 $297,222 $5,233 2.80%
JACKSONVILLE, FL (FHA|USDA|VA) 12 $2,630,000 $219,167 $3,858 2.95%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 8 $2,560,000 $320,000 $3,393 2.79%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 9 $2,515,000 $279,444 $2,694 2.89%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $2,495,000 $356,429 $8,958 2.37%
YORK-HANOVER, PA (FHA|USDA|VA) 10 $2,360,000 $236,000 $4,371 3.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $2,340,000 $390,000 $8,380 2.71%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 10 $2,330,000 $233,000 $4,129 3.01%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $2,255,000 $451,000 $6,558 2.85%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 6 $2,220,000 $370,000 $2,591 2.75%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $1,975,000 $658,333 $23,793 2.46%
COLUMBUS, OH (FHA|USDA|VA) 6 $1,970,000 $328,333 $6,121 2.58%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 6 $1,900,000 $316,667 $2,442 3.04%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 6 $1,890,000 $315,000 $2,573 2.92%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 5 $1,885,000 $377,000 $7,018 2.77%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,775,000 $355,000 $5,540 2.72%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $1,775,000 $355,000 $7,987 2.73%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $1,665,000 $333,000 $3,702 2.48%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $1,635,000 $327,000 $7,779 2.68%
TOLEDO, OH (FHA|USDA|VA) 5 $1,615,000 $323,000 $7,788 2.42%
FORT COLLINS, CO (FHA|USDA|VA) 3 $1,555,000 $518,333 $3,678 2.33%
LANCASTER, PA (FHA|USDA|VA) 6 $1,550,000 $258,333 $3,605 2.96%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 4 $1,520,000 $380,000 $4,365 2.78%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $1,455,000 $291,000 $2,740 2.55%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 4 $1,400,000 $350,000 $4,197 2.56%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $1,400,000 $350,000 $2,646 2.53%
Easton, MD (FHA|USDA|VA) 3 $1,335,000 $445,000 $3,989 3.16%
BOISE CITY, ID (FHA|USDA|VA) 3 $1,285,000 $428,333 $11,164 2.54%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 4 $1,260,000 $315,000 $5,177 2.78%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,240,000 $310,000 $4,448 2.97%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,225,000 $245,000 $4,552 3.00%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $1,180,000 $295,000 $2,682 2.66%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $1,180,000 $295,000 $3,806 3.00%
WILMINGTON, NC (FHA|USDA|VA) 4 $1,090,000 $272,500 $5,432 2.81%
ALBUQUERQUE, NM (FHA|USDA|VA) 4 $1,050,000 $262,500 $2,825 2.72%
FRESNO, CA (FHA|USDA|VA) 3 $1,045,000 $348,333 $4,033 3.00%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $960,000 $480,000 $4,730 3.31%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $930,000 $232,500 $1,781 2.38%
SAVANNAH, GA (FHA|USDA|VA) 3 $925,000 $308,333 $6,886 2.46%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $890,000 $222,500 $5,964 2.78%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $865,000 $288,333 $2,455 2.50%
JACKSONVILLE, NC (FHA|USDA|VA) 3 $865,000 $288,333 $1,950 2.38%
Helena, MT (FHA|USDA|VA) 2 $860,000 $430,000 $3,565 2.19%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 3 $855,000 $285,000 $2,222 2.58%
PROVO-OREM, UT (FHA|USDA|VA) 2 $840,000 $420,000 $3,722 2.13%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $825,000 $275,000 $7,992 2.50%
SALINAS, CA (FHA|USDA|VA) 2 $810,000 $405,000 $5,187 2.87%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $800,000 $400,000 $7,685 3.06%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $765,000 $255,000 $4,358 2.67%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $715,000 $143,000 $0 3.50%
DECATUR, AL (FHA|USDA|VA) 1 $705,000 $705,000 $1,913 2.63%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $695,000 $231,667 $2,389 2.79%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $680,000 $340,000 $1,686 2.56%
TUCSON, AZ (FHA|USDA|VA) 3 $675,000 $225,000 $2,214 2.25%
SALEM, OR (FHA|USDA|VA) 2 $670,000 $335,000 $4,551 2.56%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $665,000 $665,000 $6,429 2.75%
Warrensburg, MO (FHA|USDA|VA) 2 $660,000 $330,000 $10,217 2.69%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $650,000 $325,000 $2,643 2.62%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $635,000 $211,667 $3,469 2.42%
Washington, NC (FHA|USDA|VA) 1 $625,000 $625,000 $16,700 3.13%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $615,000 $205,000 $3,008 2.96%
SPARTANBURG, SC (FHA|USDA|VA) 2 $610,000 $305,000 $1,795 2.50%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 3 $605,000 $201,667 $1,187 2.42%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $595,000 $595,000 $6,610 2.38%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $580,000 $290,000 $10,029 2.31%
ROANOKE, VA (FHA|USDA|VA) 2 $570,000 $285,000 $4,460 2.50%
OCALA, FL (FHA|USDA|VA) 4 $550,000 $137,500 $2,255 2.81%
Breckenridge, CO (FHA|USDA|VA) 1 $545,000 $545,000 $3,804 2.25%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $545,000 $545,000 $5,121 2.99%
Key West, FL (FHA|USDA|VA) 1 $545,000 $545,000 $13,998 2.63%
COLUMBIA, SC (FHA|USDA|VA) 2 $540,000 $270,000 $2,491 2.25%
STOCKTON, CA (FHA|USDA|VA) 1 $535,000 $535,000 $22,654 2.25%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $535,000 $535,000 $4,040 2.50%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $530,000 $265,000 $2,813 2.25%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $530,000 $265,000 $3,637 2.68%
READING, PA (FHA|USDA|VA) 2 $520,000 $260,000 $3,584 2.88%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $510,000 $255,000 $2,556 2.88%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $500,000 $250,000 $3,034 2.62%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $500,000 $250,000 $5,971 2.81%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $495,000 $165,000 $4,833 2.71%
MIDLAND, MI (FHA|USDA|VA) 1 $495,000 $495,000 $2,301 2.50%
MONROE, MI (FHA|USDA|VA) 2 $490,000 $245,000 $2,170 2.25%
Torrington, CT (FHA|USDA|VA) 1 $485,000 $485,000 $9,906 4.25%
JACKSON, MS (FHA|USDA|VA) 1 $475,000 $475,000 $6,637 2.25%
FAYETTEVILLE, NC (FHA|USDA|VA) 3 $445,000 $148,333 $3,523 3.33%
WICHITA, KS (FHA|USDA|VA) 2 $440,000 $220,000 $2,276 2.69%
Sevierville, TN (FHA|USDA|VA) 2 $440,000 $220,000 $2,306 2.56%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $435,000 $435,000 $5,667 2.25%
KNOXVILLE, TN (FHA|USDA|VA) 2 $430,000 $215,000 $1,692 2.06%
Edwards, CO (FHA|USDA|VA) 1 $425,000 $425,000 $2,001 2.88%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $420,000 $210,000 $2,175 2.56%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $410,000 $205,000 $1,374 2.50%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $410,000 $205,000 $3,755 2.56%
Mount Pleasant, TX (FHA|USDA|VA) 1 $405,000 $405,000 $10,257 2.25%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $405,000 $405,000 $2,036 2.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $400,000 $200,000 $2,552 2.81%
Brevard, NC (FHA|USDA|VA) 1 $395,000 $395,000 $4,718 2.25%
CHEYENNE, WY (FHA|USDA|VA) 1 $395,000 $395,000 $3,983 2.25%
Shelton, WA (FHA|USDA|VA) 1 $395,000 $395,000 $2,033 3.13%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $390,000 $195,000 $2,578 2.75%
MORGANTOWN, WV (FHA|USDA|VA) 1 $375,000 $375,000 $3,049 2.75%
AMARILLO, TX (FHA|USDA|VA) 1 $375,000 $375,000 $4,050 2.75%
THE VILLAGES, FL (FHA|USDA|VA) 2 $370,000 $185,000 $2,265 2.75%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $365,000 $365,000 $2,847 2.37%
PANAMA CITY, FL (FHA|USDA|VA) 1 $365,000 $365,000 $3,812 2.38%
Roseburg, OR (FHA|USDA|VA) 1 $355,000 $355,000 $2,131 2.25%
ST. GEORGE, UT (FHA|USDA|VA) 1 $355,000 $355,000 $1,487 2.38%
BANGOR, ME (FHA|USDA|VA) 2 $350,000 $175,000 $2,799 2.88%
Somerset, KY (FHA|USDA|VA) 1 $345,000 $345,000 $3,106 2.25%
LYNCHBURG, VA (FHA|USDA|VA) 2 $340,000 $170,000 $4,387 2.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $340,000 $170,000 $2,811 2.50%
Klamath Falls, OR (FHA|USDA|VA) 1 $335,000 $335,000 $4,353 2.25%
Enterprise, AL (FHA|USDA|VA) 1 $335,000 $335,000 $1,583 2.50%
Juneau, AK (FHA|USDA|VA) 1 $335,000 $335,000 $5,074 2.50%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $325,000 $325,000 $1,285 2.38%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $325,000 $325,000 $5,730 2.88%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $325,000 $325,000 $2,256 2.25%
EL PASO, TX (FHA|USDA|VA) 2 $320,000 $160,000 $5,329 2.50%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $320,000 $160,000 $10,544 3.06%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $305,000 $305,000 $6,883 2.00%
BRUNSWICK, GA (FHA|USDA|VA) 1 $305,000 $305,000 $3,607 2.88%
Marion, NC (FHA|USDA|VA) 1 $305,000 $305,000 $2,989 2.88%
Stevens Point, WI (FHA|USDA|VA) 1 $305,000 $305,000 $2,003 2.25%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $295,000 $295,000 $3,112 2.88%
WACO, TX (FHA|USDA|VA) 1 $295,000 $295,000 $3,502 2.88%
GETTYSBURG, PA (FHA|USDA|VA) 1 $285,000 $285,000 $4,513 2.75%
Sanford, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,765 3.50%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $285,000 $285,000 $2,550 2.25%
Mount Airy, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,489 2.25%
Barre, VT (FHA|USDA|VA) 1 $285,000 $285,000 $4,089 2.88%
BILLINGS, MT (FHA|USDA|VA) 1 $285,000 $285,000 $3,768 2.63%
GREELEY, CO (FHA|USDA|VA) 1 $285,000 $285,000 $3,551 2.75%
Cambridge, MD (FHA|USDA|VA) 1 $285,000 $285,000 $2,547 2.63%
Morehead City, NC (FHA|USDA|VA) 1 $275,000 $275,000 $0 2.25%
GOLDSBORO, NC (FHA|USDA|VA) 1 $275,000 $275,000 $6,631 2.50%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $275,000 $275,000 $1,349 2.88%
Van Wert, OH (FHA|USDA|VA) 1 $275,000 $275,000 $2,570 2.25%
GREENVILLE, NC (FHA|USDA|VA) 1 $275,000 $275,000 $7,139 2.75%
HINESVILLE, GA (FHA|USDA|VA) 1 $265,000 $265,000 $6,951 2.62%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $265,000 $265,000 $2,242 3.38%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $265,000 $265,000 $6,289 2.38%
Palestine, TX (FHA|USDA|VA) 1 $265,000 $265,000 $2,852 2.25%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $255,000 $255,000 $2,793 2.88%
JONESBORO, AR (FHA|USDA|VA) 1 $255,000 $255,000 $1,558 2.25%
GAINESVILLE, FL (FHA|USDA|VA) 1 $255,000 $255,000 $10,839 2.75%
Bogalusa, LA (FHA|USDA|VA) 1 $255,000 $255,000 $11,312 2.25%
BELLINGHAM, WA (FHA|USDA|VA) 1 $255,000 $255,000 $2,580 2.25%
VISALIA, CA (FHA|USDA|VA) 1 $255,000 $255,000 $3,639 2.38%
WALLA WALLA, WA (FHA|USDA|VA) 1 $245,000 $245,000 $3,820 2.25%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $245,000 $245,000 $2,263 2.25%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $245,000 $245,000 $3,393 3.25%
SUMTER, SC (FHA|USDA|VA) 1 $235,000 $235,000 $1,892 2.38%
VALDOSTA, GA (FHA|USDA|VA) 1 $235,000 $235,000 $2,542 2.99%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $235,000 $235,000 $2,383 2.38%
AMES, IA (FHA|USDA|VA) 1 $235,000 $235,000 $3,560 3.25%
LEBANON, PA (FHA|USDA|VA) 1 $225,000 $225,000 $5,064 2.13%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $225,000 $225,000 $2,475 2.99%
CORVALLIS, OR (FHA|USDA|VA) 1 $225,000 $225,000 $0 2.25%
Del Rio, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,060 2.25%
CaƱon City, CO (FHA|USDA|VA) 1 $225,000 $225,000 $2,166 2.38%
Branson, MO (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.25%
Albemarle, NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,732 2.88%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $215,000 $215,000 $1,163 2.50%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $215,000 $215,000 $2,285 2.25%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $205,000 $205,000 $3,157 2.88%
Somerset, PA (FHA|USDA|VA) 1 $205,000 $205,000 $3,754 2.88%
Aberdeen, WA (FHA|USDA|VA) 1 $195,000 $195,000 $11,528 2.25%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $195,000 $195,000 $2,690 2.25%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $195,000 $195,000 $1,064 2.38%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $185,000 $185,000 $1,104 2.38%
LAS CRUCES, NM (FHA|USDA|VA) 1 $185,000 $185,000 $2,785 2.38%
CASPER, WY (FHA|USDA|VA) 1 $185,000 $185,000 $2,315 2.38%
AKRON, OH (FHA|USDA|VA) 1 $185,000 $185,000 $2,869 3.63%
Keene, NH (FHA|USDA|VA) 1 $175,000 $175,000 $2,023 3.38%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $175,000 $175,000 $3,054 2.88%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,124 2.38%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $165,000 $165,000 $3,037 3.63%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,367 2.25%
LAWTON, OK (FHA|USDA|VA) 1 $165,000 $165,000 $3,513 2.75%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,166 2.88%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $145,000 $145,000 $1,986 2.88%
New Castle, PA (FHA|USDA|VA) 1 $145,000 $145,000 $4,402 2.88%
Big Rapids, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,114 3.13%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $135,000 $135,000 $2,078 3.38%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $125,000 $125,000 $3,149 2.88%
HARRISONBURG, VA (FHA|USDA|VA) 1 $125,000 $125,000 $2,027 2.88%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $115,000 $115,000 $2,751 3.13%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $115,000 $115,000 $3,775 2.25%
Houghton, MI (FHA|USDA|VA) 1 $105,000 $105,000 $4,177 2.38%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $95,000 $95,000 $4,882 2.75%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.38%
Oil City, PA (FHA|USDA|VA) 1 $75,000 $75,000 $4,694 3.00%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $55,000 $55,000 $3,503 3.25%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $45,000 $45,000 $1,518 2.50%

Capital Bank's top markets include Washington, Salisbury, Baltimore, Boston, and Philadelphia among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,943 $773,725,000 $398,212 $4,585 2.99%
VA 604 $250,800,000 $415,232 $5,445 2.39%
FHA 140 $46,920,000 $335,143 $11,500 2.97%
USDA 9 $2,415,000 $268,333 $6,736 2.75%

For the 2021 period, Capital Bank's most frequently originated loan type of loans were Conventional, with 1,943 originations. Their 2nd most popular type is VA, with 604 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 1,180 $478,720,000 $405,695 $3,513 2.74%
Home Purchase 1,070 $432,300,000 $404,019 $7,044 2.99%
Cash Out Refi 445 $162,325,000 $364,775 $4,726 2.83%
Other 1 $515,000 $515,000 $3,690 3.88%

For the 2021, Capital Bank's most frequently cited loan purpose of loans were Refi, with 1,180 originations. The 2nd most popular reason of loans were Home Purchase, with 1,070 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 2,299 $896,445,000 $389,928 $5,415 2.87%
15 Year 215 $67,275,000 $312,907 $3,767 2.41%
20 Year 90 $29,160,000 $324,000 $3,321 2.72%
Other 31 $12,175,000 $392,742 $2,913 2.92%
5 Year 29 $33,165,000 $1,143,621 $0 4.29%
10 Year 29 $33,895,000 $1,168,793 $3,915 3.26%
3 Year 2 $1,420,000 $710,000 $0 4.20%
1 Year 1 $325,000 $325,000 $0 5.00%

For the 2021, Capital Bank's most frequently cited loan length of loans were 30 Year, with 2,299 originations. The 2nd most popular length of loans were 15 Year, with 215 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 1,386 $522,330,000 $376,861
$<1k 668 $259,860,000 $389,012
$3k-4k 176 $66,050,000 $375,284
$2k-3k 151 $58,085,000 $384,669
$5k+ 140 $67,350,000 $481,071

$5,415 of loans were Capital Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 1,386 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 1,179 $458,475,000 $388,868
<2.5% 765 $292,835,000 $382,791
3-4% 694 $264,980,000 $381,816
4-5% 58 $57,570,000 $992,586

During 2021, Capital Bank's average interest rate of loans were 2.87%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,179 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 1,311 $391,585,000 $298,692 $4,818 2.84%
$400k-600k 727 $355,785,000 $489,388 $5,514 2.77%
$100k-200k 331 $52,415,000 $158,353 $3,541 2.92%
$600k-1MM 256 $187,440,000 $732,188 $7,295 2.95%
$1MM+ 45 $84,525,000 $1,878,333 $12,116 3.32%
$100,000 or less 26 $2,110,000 $81,154 $3,929 3.10%

2021 saw Capital Bank place emphasis on $200k-400k loans with 1,311 originations, totaling $391,585,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 561 $208,115,000 $370,971 $5,035 2.90%
$150k-250k 537 $244,295,000 $454,926 $5,364 2.88%
$75k-100k 366 $116,390,000 $318,005 $5,630 2.92%
$50k-75k 345 $90,445,000 $262,159 $6,127 2.97%
$250k+ 322 $180,750,000 $561,335 $5,775 2.88%
$50k or less 142 $28,940,000 $203,803 $5,516 3.01%

Capital Bank lent most frequently to those with incomes in the $100k-150k range, with 561 originations. The second most popular income band? $150k-250k, with 537 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 577 $229,645,000 $397,998 $4,662 2.87%
30-36% 417 $168,555,000 $404,209 $5,122 2.93%
<20% 230 $81,030,000 $352,304 $3,991 2.75%
44% 103 $36,765,000 $356,942 $7,857 3.13%
42% 101 $39,325,000 $389,356 $6,752 2.95%
40% 92 $32,930,000 $357,935 $6,031 3.03%
38% 82 $32,790,000 $399,878 $5,786 2.94%
43% 81 $28,185,000 $347,963 $6,462 3.01%
36% 79 $29,435,000 $372,595 $5,562 2.94%
49% 76 $28,940,000 $380,789 $7,558 2.90%
39% 74 $29,350,000 $396,622 $5,471 2.92%
37% 72 $28,590,000 $397,083 $5,362 2.88%
45% 71 $23,795,000 $335,141 $6,227 2.97%
41% 71 $27,315,000 $384,718 $6,047 2.93%
46% 61 $22,125,000 $362,705 $7,593 2.86%
48% 60 $19,980,000 $333,000 $6,114 2.84%
47% 54 $20,870,000 $386,481 $6,732 2.93%
50-60% 3 $1,345,000 $448,333 $17,975 3.33%
>60% 1 $945,000 $945,000 $6,369 3.88%

Capital Bank lent most frequently to those with DTI ratios of 20-30%, with 577 originations. The next most common DTI ratio? 30-36%, with 417 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 1,758 $674,910,000 $383,908 $4,787 2.81%
Not provided 444 $174,130,000 $392,185 $4,734 2.76%
Black 339 $120,155,000 $354,440 $7,939 3.08%
Not applicable 38 $56,750,000 $1,493,421 $0 4.24%
Asian 94 $38,640,000 $411,064 $4,710 2.77%
Asian Indian 6 $3,410,000 $568,333 $5,150 3.06%
American Indian 7 $2,285,000 $326,429 $5,183 2.66%
Native Hawaiian 2 $970,000 $485,000 $5,396 2.75%
Other Pacific Islander 2 $900,000 $450,000 $1,968 3.50%
Filipino 2 $810,000 $405,000 $3,431 2.25%
Other Asian 3 $645,000 $215,000 $4,373 2.96%
1 $255,000 $255,000 $2,496 2.63%

Approval Rates

Total approvals of all applications
97.34%

Capital Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
71.85%

Capital Bank has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 2,696 $1,073,860,000 $398,316

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
2,696 $1,073,860,000 $398,316

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 118 $31,240,000 $264,746 $3,551 2.84%
40-60% 440 $151,400,000 $344,091 $3,833 2.80%
60-80% 990 $406,540,000 $410,646 $4,598 2.93%
80-100% 906 $352,660,000 $389,249 $6,459 2.90%
Over 100% 49 $60,385,000 $1,232,347 $18,577 2.95%
Under 20% 18 $3,770,000 $209,444 $3,598 2.74%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
CAPITAL CENTER LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Capital Bank, National Association 1776 I Street, N.W. Washington, DC 20006 Full Service B&M $168,336
Capital Bank, National Association 10700 Parkridge Blvd Suite 180 Reston, VA 20191 Full Service B&M $259,552
Capital Bank, National Association 2275 Research Blvd. Rockville, MD 20850 Full Service B&M $1,412,853
Capital Bank, National Association 6711 Columbia Gateway Dr, Suite 170 Columbia, MD 21046 Full Service B&M $82,759
Capital Bank, National Association 890 Hendersonville Road Asheville, NC 28803 Full Service B&M $111

For 2021, Capital Bank had 5 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $121,073
Net interest income $115,057
Total noninterest income $50,362
Gross Fiduciary activities income $0
Service charges on deposit accounts $601
Trading account gains and fees $0
Additional Noninterest Income $49,761
Pre-tax net operating income $52,483
Securities gains (or losses, -) $165
Income before extraordinary items $39,010
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $39,010
Minority interest net income $0
Net income $39,010
Sale, conversion, retirement of capital stock, net $0
Net operating income $38,879

Capital Bank's gross interest income from loans was $121,073,000.
Capital Bank's net interest income from loans was $115,057,000.
Capital Bank's fee based income from loans was $601,000.
Capital Bank's net income from loans was $39,010,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $6,016
Provision for credit losses $3,289
Total noninterest expense $109,647
Salaries and employee benefits $37,433
Premises and equipment expense $4,218
Additional noninterest expense $67,996
Applicable income taxes $13,638
Net charge-offs $1,613
Cash dividends $6,500

Capital Bank's interest expense for loans was $6,016,000.
Capital Bank's payroll and benefits expense were $37,433,000.
Capital Bank's property, plant and equipment expenses $4,218,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 3.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 3.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $1,798,124
Deposits held in domestic offices $1,798,124
Deposits by Individuals, partnerships, and corporations $1,736,181
Deposits by U.S. Government $1
Deposits by States and political subdivisions in the U.S. $55,741
Deposits by Commercial banks and other depository institutions in U.S. $6,201
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $890,030
Demand deposits $890,030
Nontransaction accounts $908,094
Money market deposit accounts (MMDAs) $493,919
Other savings deposits (excluding MMDAs) $236,525
Total time deposits $177,650
Total time and savings deposits $908,094
Noninterest-bearing deposits $788,637
Interest-bearing deposits $1,009,487
Retail deposits $1,690,297
IRAs and Keogh plan accounts $2,245
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $2,014,131
Cash & Balances due from depository institutions $183,342
Interest-bearing balances $140,428
Total securities $184,700
Federal funds sold & reverse repurchase $53
Net loans and leases $1,583,097
Loan and leases loss allowance $24,702
Trading account assets $0
Bank premises and fixed assets $3,255
Other real estate owned $86
Goodwill and other intangibles $0
All other assets $59,598

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $2,014,131
Total Liabilities $1,845,823
Total deposits $1,798,124
Interest-bearing deposits $1,009,487
Deposits held in domestic offices $1,798,124
% insured (estimated) $46
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $22,000
Subordinated debt $0
All other liabilities $25,699

Issued Loan Types

Type Value (in 000's)
Net loans and leases $1,583,097
Loan and leases loss allowance $24,702
Total loans and leases (domestic) $1,607,799
All real estate loans $1,188,435
Real estate loans in domestic offices $1,188,435
Construction and development loans $235,540
Residential 1-4 family construction $185,598
Other construction, all land development and other land $49,942
Loans secured by nonfarm nonresidential properties $539,849
Nonfarm nonresidential secured by owner-occupied properties $302,560
Commercial real estate & other non-farm, non-residential $237,289
Multifamily residential real estate $72,351
1-4 family residential loans $340,695
Farmland loans $0
Loans held in foreign offices $0
Farm loans $0
Commercial and industrial loans $284,620
To non-U.S. addressees $0
Loans to individuals $134,510
Credit card loans $133,702
Related Plans $82
Consumer Auto Loans $177
Other loans to individuals $549
All other loans & leases $234
Loans to foreign governments and official institutions $0
Other loans $234
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $0
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $0
Non 1-4 family restructured loans & leases $0
Total loans and leases (foreign) $0

Capital Bank had $1,583,097,000 of loans outstanding in 2021. $1,188,435,000 of loans were in real estate loans. $235,540,000 of loans were in development loans. $72,351,000 of loans were in multifamily mortgage loans. $340,695,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $133,702,000 of loans were in credit card loans. $177,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 223 $94,412 $423,372
Nonfarm, nonresidential loans - <$100k 5 $81 $16,200
Nonfarm, nonresidential loans - $100-250k 33 $4,841 $146,697
Nonfarm, nonresidential loans - $250k-1MM 185 $89,490 $483,730
Commercial & Industrial, US addressed loans - <$1MM 1,031 $123,639 $119,921
Commercial & Industrial, US addressed loans - <$100k 631 $20,327 $32,214
Commercial & Industrial, US addressed loans - $100-250k 211 $29,549 $140,043
Commercial & Industrial, US addressed loans - $250k-1MM 189 $73,763 $390,280