Capital Bank Mortgage Rates, Fees & Info
Rockville, MDLEI: 54930044OSTKOJMHF287
Tax ID: 52-2132492
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Mortgage Data
Review & Overview
Capital Bank is a smaller bank specializing in Home Purchase loans. Capital Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Washington, Salisbury, Baltimore, Los Angeles, and Columbus among others. We have data for 122 markets. (Some data included below & more in-depth data is available with an active subscription.)Capital Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Capital Bank is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.68% | 12/4/23 |
| 30 Year Conventional Refi | 6.39% | 12/4/23 |
| 30 Year Cash-out Refi | 6.63% | 12/4/23 |
| 30 Year FHA Purchase | 7.46% | 12/4/23 |
| 30 Year FHA Refi | 6.12% | 12/4/23 |
| 30 Year VA Purchase | 6.12% | 12/4/23 |
| 30 Year VA Refi | 5.83% | 12/4/23 |
| 30 Year USDA Purchase | 6.06% | 12/4/23 |
| 15 Year Conventional Purchase | 5.98% | 12/4/23 |
| 15 Year Conventional Refi | 6.33% | 12/4/23 |
| 15 Year Cash-out Refi | 6.33% | 12/4/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Capital Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
780Origination Dollar Volume (All Markets)
$377,450,000Awards
Capital Bank - 2022
Capital Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Capital Bank's average 30 year fixed mortgage rate was
4.73%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.03%.
Relative Fees (Closing Costs)
Capital Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,857.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 320 | $182,810,000 | $571,281 | $10,491 | 4.88% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 144 | $72,150,000 | $501,042 | $8,058 | 4.34% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 73 | $27,455,000 | $376,096 | $7,470 | 4.54% |
| Outside of Metro Areas | 15 | $4,875,000 | $325,000 | $6,626 | 5.49% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5 | $4,575,000 | $915,000 | $7,093 | 3.95% |
| COLUMBUS, OH (FHA|USDA|VA) | 10 | $4,400,000 | $440,000 | $4,704 | 5.57% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $3,905,000 | $3,905,000 | $0 | 5.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 7 | $3,465,000 | $495,000 | $12,114 | 5.55% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 9 | $3,345,000 | $371,667 | $7,882 | 4.67% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 8 | $3,290,000 | $411,250 | $5,848 | 4.81% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $2,785,000 | $928,333 | $9,735 | 4.29% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $2,725,000 | $389,286 | $6,545 | 4.91% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 8 | $2,530,000 | $316,250 | $8,639 | 4.72% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $2,525,000 | $360,714 | $7,566 | 4.34% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $1,935,000 | $645,000 | $6,462 | 3.75% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $1,740,000 | $435,000 | $7,949 | 4.56% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $1,600,000 | $400,000 | $5,892 | 4.06% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $9,785 | 4.30% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $5,155 | 4.69% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $4,438 | 4.12% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $5,689 | 5.21% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $1,260,000 | $630,000 | $11,452 | 3.69% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $4,211 | 5.31% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $1,165,000 | $1,165,000 | $0 | 3.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $1,075,000 | $1,075,000 | $7,969 | 5.88% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $7,272 | 5.81% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $5,758 | 5.19% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $3,323 | 4.71% |
| DOVER, DE (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $6,994 | 3.84% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $11,923 | 3.67% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $6,177 | 3.38% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $0 | 5.75% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $11,172 | 4.56% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $2,406 | 5.19% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $7,835 | 4.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $4,964 | 4.06% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $15,649 | 5.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $13,248 | 3.88% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $3,238 | 4.71% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $14,868 | 5.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $11,070 | 6.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,680 | 5.16% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $8,290 | 4.94% |
| RENO, NV (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,811 | 2.37% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $5,952 | 5.41% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $1,762 | 2.88% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,002 | 2.44% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $12,396 | 4.50% |
| Somerset, PA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $0 | 7.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $6,026 | 5.49% |
| Marquette, MI (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $27,823 | 4.25% |
| TULSA, OK (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $7,481 | 5.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,140 | 4.88% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $1,495 | 6.25% |
| Cambridge, MD (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,696 | 5.75% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $8,034 | 5.13% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,225 | 3.88% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $11,096 | 4.50% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $9,721 | 3.25% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,075 | 4.75% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,700 | 6.50% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $8,465 | 3.31% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $18,956 | 4.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,006 | 5.63% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 4.88% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,276 | 3.88% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $9,261 | 3.88% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,806 | 5.50% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,687 | 4.56% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,977 | 5.38% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $17,181 | 7.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,601 | 4.75% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $9,560 | 4.62% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,267 | 4.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,905 | 4.25% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,871 | 3.25% |
| Easton, MD (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $14,028 | 6.25% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,447 | 3.88% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,196 | 4.75% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,409 | 5.75% |
| Danville, VA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,521 | 5.12% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,897 | 3.75% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,355 | 4.50% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,412 | 2.37% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,892 | 4.63% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,314 | 3.63% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,393 | 3.50% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,599 | 4.63% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $16,294 | 3.50% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,263 | 2.50% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,750 | 6.63% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,447 | 3.25% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,949 | 2.75% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,195 | 5.25% |
| Altus, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,854 | 4.25% |
| Torrington, CT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,545 | 2.50% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,496 | 3.25% |
| Jennings, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,839 | 4.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,712 | 4.75% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,929 | 4.50% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,629 | 4.50% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 4.75% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 5.63% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,821 | 6.25% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $12,296 | 4.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,103 | 5.38% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,199 | 5.37% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,905 | 2.63% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,175 | 4.50% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,088 | 5.75% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,175 | 4.75% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.99% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,595 | 5.49% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,742 | 3.75% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,566 | 5.25% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,188 | 3.38% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $10,609 | 4.63% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.75% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,310 | 5.25% |
| Scottsbluff, NE (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,295 | 6.13% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.88% |
| Marion, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,821 | 6.13% |
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Product Mix
For 2022, Capital Bank's most frequently originated type of loan was Conventional, with 561 originations. Their 2nd most popular type was VA, with 128 originations.
Loan Reason
For 2022, Capital Bank's most frequently cited loan purpose was Home Purchase, with 591 originations. The 2nd most popular reason was Cash Out Refi, with 110 originations.
Loan Duration/Length
For 2022, Capital Bank's most frequently cited loan duration was 30 Year, with 697 originations. The 2nd most popular length was 5 Year, with 29 originations.
Origination Fees/Closing Costs
Capital Bank's average total fees were $8,857, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 266 originations.
Interest Rates
During 2022, Capital Bank's average interest rate for loans was 4.73%, while their most frequently originated rate bucket for loans was 5-6%, with 207 originations.
Loan Sizing
2022 saw Capital Bank place emphasis on $200k-400k loans with 324 originations, totaling $97,480,000 in origination value.
Applicant Income
Capital Bank lent most frequently to those with incomes in the $150k-250k range, with 142 originations. The second most popular income band? $50k-75k, with 135 originations.
Applicant Debt to Income Ratio
Capital Bank lent most frequently to those with DTI ratios of 20-30%, with 123 originations. The next most common DTI ratio? 30-36%, with 108 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.83%
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 origination65.90%
Capital Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 780 | $377,450,000 | $483,910 |