Capital Bank Mortgage Rates, Fees & Info

Rockville, MD

LEI: 54930044OSTKOJMHF287

Tax ID: 52-2132492

2.8 stars - Updated: 3/17/24 - out of 5 stars, based on 28 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.68% 3/17/24
30 Year Conventional Refi 6.39% 3/17/24
30 Year Cash-out Refi 6.63% 3/17/24
30 Year FHA Purchase 7.46% 3/17/24
30 Year FHA Refi 6.12% 3/17/24
30 Year VA Purchase 6.12% 3/17/24
30 Year VA Refi 5.83% 3/17/24
30 Year USDA Purchase 6.06% 3/17/24
15 Year Conventional Purchase 5.98% 3/17/24
15 Year Conventional Refi 6.33% 3/17/24
15 Year Cash-out Refi 6.33% 3/17/24
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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Capital Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

780

Origination Dollar Volume (All Markets)

$377,450,000
Show all (16) awards

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%
Capital Bank's top markets include Washington, Salisbury, Baltimore, Los Angeles, and Columbus among others.

Their top states include:
  • Maryland (FHA|USDA|VA)
  • District of Columbia (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 561 $292,115,000 $520,704 $7,402 4.81%
    VA 128 $56,400,000 $440,625 $10,226 4.12%
    FHA 90 $28,530,000 $317,000 $13,414 4.86%
    USDA 1 $405,000 $405,000 $10,182 3.75%

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 591 $267,225,000 $452,157 $9,158 4.84%
    Cash Out Refi 110 $43,030,000 $391,182 $7,475 4.31%
    Refi 73 $65,545,000 $897,877 $6,230 4.11%
    Home Improvement 3 $445,000 $148,333 $2,382 5.46%
    Other 3 $1,205,000 $401,667 $9,488 4.58%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 697 $303,205,000 $435,014 $8,857 4.73%
    5 Year 29 $37,235,000 $1,283,966 $0 5.18%
    15 Year 20 $7,370,000 $368,500 $6,050 3.26%
    10 Year 14 $9,670,000 $690,714 $5,688 4.62%
    Other 11 $12,355,000 $1,123,182 $7,230 5.05%
    20 Year 6 $2,220,000 $370,000 $4,991 3.31%
    3 Year 3 $5,395,000 $1,798,333 $0 5.00%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 266 $114,130,000 $429,060
    $5k+ 161 $86,255,000 $535,745
    $2k-3k 75 $28,615,000 $381,533
    $3k-4k 66 $22,800,000 $345,455
    $<1k 60 $25,150,000 $419,167
    $4k-5k 57 $24,345,000 $427,105

    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

    Loan Rate Originations Total Value Average Loan
    5-6% 207 $106,675,000 $515,338
    3-4% 203 $103,905,000 $511,847
    4-5% 201 $98,085,000 $487,985
    6-7% 82 $31,660,000 $386,098
    2.5-3% 51 $24,065,000 $471,863
    7-8% 20 $5,190,000 $259,500
    <2.5% 16 $7,870,000 $491,875

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 324 $97,480,000 $300,864 $8,239 4.72%
    $400k-600k 185 $90,395,000 $488,622 $8,951 4.71%
    $600k-1MM 117 $86,215,000 $736,880 $10,678 4.36%
    $100k-200k 87 $13,145,000 $151,092 $5,882 4.96%
    $1MM+ 50 $88,960,000 $1,779,200 $13,595 4.64%
    $100,000 or less 17 $1,255,000 $73,824 $4,522 5.43%

    2022 saw Capital Bank place emphasis on $200k-400k loans with 324 originations, totaling $97,480,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 142 $73,800,000 $519,718 $8,308 4.61%
    $50k-75k 135 $35,855,000 $265,593 $8,907 4.90%
    $250k+ 134 $110,170,000 $822,164 $10,296 4.53%
    $100k-150k 131 $52,365,000 $399,733 $8,556 4.70%
    $75k-100k 129 $41,135,000 $318,876 $8,404 4.66%
    $50k or less 58 $10,490,000 $180,862 $7,784 4.83%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 123 $56,265,000 $457,439 $7,697 4.41%
    30-36% 108 $53,220,000 $492,778 $8,656 4.64%
    49% 49 $18,435,000 $376,224 $9,976 5.15%
    44% 42 $14,190,000 $337,857 $9,295 4.84%
    <20% 34 $24,020,000 $706,471 $7,164 4.22%
    42% 34 $13,200,000 $388,235 $8,047 4.65%
    48% 34 $13,810,000 $406,176 $11,491 5.04%
    36% 32 $17,660,000 $551,875 $7,615 4.53%
    47% 32 $12,460,000 $389,375 $10,073 4.55%
    45% 31 $11,285,000 $364,032 $9,571 5.08%
    43% 31 $11,125,000 $358,871 $8,434 4.64%
    40% 30 $12,480,000 $416,000 $7,288 4.72%
    38% 30 $13,550,000 $451,667 $7,969 4.72%
    39% 30 $14,090,000 $469,667 $8,639 4.88%
    41% 26 $11,150,000 $428,846 $9,455 4.61%
    37% 23 $7,875,000 $342,391 $8,624 4.91%
    46% 22 $8,520,000 $387,273 $11,959 5.03%
    50-60% 14 $8,530,000 $609,286 $10,789 4.62%
    >60% 2 $1,260,000 $630,000 $0 5.13%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 420 $192,490,000 $458,310 $7,912 4.57%
    Black 179 $63,115,000 $352,598 $10,308 5.02%
    Not provided 109 $55,585,000 $509,954 $8,602 4.54%
    Not applicable 40 $48,050,000 $1,201,250 $0 5.23%
    Asian 24 $14,930,000 $622,083 $10,292 4.70%
    American Indian 7 $2,285,000 $326,429 $10,135 4.12%
    Asian Indian 1 $995,000 $995,000 $15,464 3.00%

    Approval Rates

    Total approvals of all applications
    95.83%

    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 origination
    65.90%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    780 $377,450,000 $483,910

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 32 $6,160,000 $192,500 $4,586 4.59%
    40-60% 87 $38,425,000 $441,667 $6,589 4.54%
    60-80% 265 $146,435,000 $552,585 $7,827 4.73%
    80-100% 370 $166,920,000 $451,135 $9,371 4.75%
    Over 100% 20 $14,950,000 $747,500 $20,751 4.31%
    Under 20% 6 $4,560,000 $760,000 $3,846 4.26%