Capital Bank Mortgage Rates, Fees & Info
Rockville, MDLEI: 54930044OSTKOJMHF287
Tax ID: 52-2132492
5 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Bank 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
2,696Origination Dollar Volume (All Markets)
$1,073,860,000Employee count
261Awards
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Capital Bank - 2021
Capital Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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% |
| Cañon 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 applications97.34%
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 origination71.85%
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 |
