Capital Bank Mortgage Rates, Fees & Info

Rockville, MD

LEI: 54930044OSTKOJMHF287

Tax ID: 52-2132492

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 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, Baltimore, Orlando, Philadelphia, and Miami among others. We have data for 145 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 an average 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%	4/21/24
30 Year Conventional Refi	6.39%	4/21/24
30 Year Cash-out Refi	6.63%	4/21/24
30 Year FHA Purchase	7.46%	4/21/24
30 Year FHA Refi	6.12%	4/21/24
30 Year VA Purchase	6.12%	4/21/24
30 Year VA Refi	5.83%	4/21/24
30 Year USDA Purchase	6.06%	4/21/24
15 Year Conventional Purchase	5.98%	4/21/24
15 Year Conventional Refi	6.33%	4/21/24
15 Year Cash-out Refi	6.33%	4/21/24
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

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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

1,074

Origination Dollar Volume (All Markets)

$386,180,000

Employee count

204

Awards

Show all (4) awards

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)	489	$220,895,000	$451,728	$7,740	4.77%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	197	$54,925,000	$278,807	$5,712	4.89%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	26	$6,970,000	$268,077	$7,535	4.38%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	15	$4,395,000	$293,000	$6,790	4.43%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	13	$4,365,000	$335,769	$5,974	4.42%
Outside of Metro Areas	16	$4,100,000	$256,250	$6,650	4.59%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	12	$3,740,000	$311,667	$6,865	3.94%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	12	$3,500,000	$291,667	$6,101	4.34%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	12	$3,060,000	$255,000	$6,969	4.68%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	2	$2,630,000	$1,315,000	$6,651	4.81%
SALISBURY, MD-DE (FHA\|USDA\|VA)	11	$2,545,000	$231,364	$5,604	4.50%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	7	$2,455,000	$350,714	$8,811	4.32%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	9	$2,435,000	$270,556	$8,003	4.19%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	6	$2,190,000	$365,000	$3,668	4.06%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	8	$2,120,000	$265,000	$5,546	4.13%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	8	$2,080,000	$260,000	$6,352	4.02%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	5	$1,815,000	$363,000	$4,386	3.83%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	5	$1,695,000	$339,000	$6,043	3.70%
RICHMOND, VA (FHA\|USDA\|VA)	7	$1,675,000	$239,286	$6,337	4.37%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	3	$1,645,000	$548,333	$13,295	4.08%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	3	$1,605,000	$535,000	$2,519	4.83%
JACKSONVILLE, FL (FHA\|USDA\|VA)	7	$1,495,000	$213,571	$6,830	4.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	4	$1,460,000	$365,000	$6,465	4.59%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	3	$1,365,000	$455,000	$8,547	4.13%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	3	$1,105,000	$368,333	$8,956	4.75%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	4	$1,040,000	$260,000	$3,803	4.19%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	4	$1,040,000	$260,000	$5,837	3.81%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	3	$1,035,000	$345,000	$5,527	3.88%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	4	$1,020,000	$255,000	$6,312	4.44%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	3	$1,015,000	$338,333	$7,518	4.67%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	4	$1,010,000	$252,500	$3,895	4.25%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	3	$995,000	$331,667	$10,648	3.90%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	3	$925,000	$308,333	$6,608	3.88%
OCALA, FL (FHA\|USDA\|VA)	4	$920,000	$230,000	$2,567	4.19%
Easton, MD (FHA\|USDA\|VA)	2	$830,000	$415,000	$5,821	5.13%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	3	$805,000	$268,333	$5,597	4.25%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	2	$780,000	$390,000	$9,837	4.06%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	3	$775,000	$258,333	$3,940	3.38%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	3	$775,000	$258,333	$4,501	3.83%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	2	$760,000	$380,000	$2,314	4.19%
GAINESVILLE, GA (FHA\|USDA\|VA)	2	$750,000	$375,000	$3,055	4.56%
WARNER ROBINS, GA (FHA\|USDA\|VA)	3	$715,000	$238,333	$7,912	3.90%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	6	$660,000	$110,000	$3,716	4.77%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	1	$655,000	$655,000	$1,922	4.50%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	2	$650,000	$325,000	$6,210	4.47%
MANCHESTER-NASHUA, NH (FHA\|USDA\|VA)	2	$640,000	$320,000	$8,435	4.44%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	2	$600,000	$300,000	$7,928	4.13%
COLUMBIA, SC (FHA\|USDA\|VA)	3	$595,000	$198,333	$5,127	4.25%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	2	$590,000	$295,000	$7,761	4.56%
PROVO-OREM, UT (FHA\|USDA\|VA)	2	$590,000	$295,000	$11,533	3.88%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	2	$570,000	$285,000	$5,215	4.06%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	3	$565,000	$188,333	$6,911	4.88%
CALIFORNIA-LEXINGTON PARK, MD (FHA\|USDA\|VA)	2	$560,000	$280,000	$2,911	4.44%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	2	$560,000	$280,000	$7,353	4.38%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	2	$550,000	$275,000	$10,092	4.13%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	2	$540,000	$270,000	$4,574	4.44%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	2	$540,000	$270,000	$2,144	3.75%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	2	$540,000	$270,000	$10,493	4.63%
Truckee-Grass Valley, CA (FHA\|USDA\|VA)	2	$540,000	$270,000	$7,464	4.18%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	2	$520,000	$260,000	$2,811	4.81%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	2	$510,000	$255,000	$7,682	5.56%
BATON ROUGE, LA (FHA\|USDA\|VA)	2	$490,000	$245,000	$5,816	4.19%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	2	$490,000	$245,000	$6,124	4.63%
CHAMBERSBURG-WAYNESBORO, PA (FHA\|USDA\|VA)	2	$490,000	$245,000	$10,564	3.94%
Hood River, OR (FHA\|USDA\|VA)	1	$485,000	$485,000	$25,213	4.25%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	2	$470,000	$235,000	$5,440	3.63%
HUNTSVILLE, AL (FHA\|USDA\|VA)	1	$445,000	$445,000	$2,041	3.75%
YORK-HANOVER, PA (FHA\|USDA\|VA)	2	$440,000	$220,000	$4,639	4.44%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	1	$435,000	$435,000	$10,601	4.00%
TOLEDO, OH (FHA\|USDA\|VA)	1	$435,000	$435,000	$8,254	3.88%
GREELEY, CO (FHA\|USDA\|VA)	2	$420,000	$210,000	$2,336	3.94%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	1	$415,000	$415,000	$3,177	4.38%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	1	$405,000	$405,000	$8,344	3.88%
STAUNTON, VA (FHA\|USDA\|VA)	2	$400,000	$200,000	$2,656	4.38%
BOISE CITY, ID (FHA\|USDA\|VA)	2	$400,000	$200,000	$2,799	4.13%
Clewiston, FL (FHA\|USDA\|VA)	1	$385,000	$385,000	$13,123	4.38%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	1	$385,000	$385,000	$3,003	3.25%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	2	$380,000	$190,000	$2,412	4.44%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	1	$375,000	$375,000	$6,455	3.25%
SPARTANBURG, SC (FHA\|USDA\|VA)	1	$365,000	$365,000	$2,251	4.00%
FAIRBANKS, AK (FHA\|USDA\|VA)	1	$355,000	$355,000	$1,686	3.38%
Enterprise, AL (FHA\|USDA\|VA)	1	$355,000	$355,000	$13,486	3.25%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	1	$355,000	$355,000	$2,582	4.25%
PUNTA GORDA, FL (FHA\|USDA\|VA)	2	$350,000	$175,000	$3,016	4.50%
Boone, NC (FHA\|USDA\|VA)	1	$345,000	$345,000	$6,216	3.75%
Fernley, NV (FHA\|USDA\|VA)	1	$345,000	$345,000	$13,135	3.75%
STOCKTON, CA (FHA\|USDA\|VA)	1	$335,000	$335,000	$12,984	4.13%
LAS CRUCES, NM (FHA\|USDA\|VA)	1	$325,000	$325,000	$2,705	3.88%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	1	$315,000	$315,000	$10,334	3.50%
Butte-Silver Bow, MT (FHA\|USDA\|VA)	2	$310,000	$155,000	$6,435	4.38%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	1	$305,000	$305,000	$11,862	4.50%
Los Alamos, NM (FHA\|USDA\|VA)	1	$305,000	$305,000	$7,196	3.88%
RENO, NV (FHA\|USDA\|VA)	1	$305,000	$305,000	$9,231	4.63%
ROCKY MOUNT, NC (FHA\|USDA\|VA)	1	$295,000	$295,000	$2,670	4.25%
Lumberton, NC (FHA\|USDA\|VA)	1	$295,000	$295,000	$11,389	3.75%
Albertville, AL (FHA\|USDA\|VA)	1	$295,000	$295,000	$1,983	4.25%
HOUMA-THIBODAUX, LA (FHA\|USDA\|VA)	1	$285,000	$285,000	$3,046	3.50%
Cornelia, GA (FHA\|USDA\|VA)	1	$285,000	$285,000	$2,761	4.00%
WINCHESTER, VA-WV (FHA\|USDA\|VA)	1	$275,000	$275,000	$3,359	4.63%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	1	$275,000	$275,000	$7,741	3.75%
Roanoke Rapids, NC (FHA\|USDA\|VA)	1	$275,000	$275,000	$3,226	4.88%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	1	$275,000	$275,000	$7,067	3.25%
AKRON, OH (FHA\|USDA\|VA)	1	$275,000	$275,000	$2,597	4.99%
TUCSON, AZ (FHA\|USDA\|VA)	1	$275,000	$275,000	$3,148	4.99%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	1	$265,000	$265,000	$2,457	4.38%
ASHEVILLE, NC (FHA\|USDA\|VA)	1	$265,000	$265,000	$2,609	4.75%
Oak Harbor, WA (FHA\|USDA\|VA)	1	$265,000	$265,000	$2,034	3.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	1	$265,000	$265,000	$10,846	4.00%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	1	$255,000	$255,000	$3,197	4.00%
ALEXANDRIA, LA (FHA\|USDA\|VA)	1	$255,000	$255,000	$8,106	4.00%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	1	$255,000	$255,000	$2,059	4.38%
JACKSONVILLE, NC (FHA\|USDA\|VA)	1	$255,000	$255,000	$8,477	3.75%
BRUNSWICK, GA (FHA\|USDA\|VA)	1	$245,000	$245,000	$11,586	3.63%
SAVANNAH, GA (FHA\|USDA\|VA)	1	$245,000	$245,000	$7,751	3.88%
JACKSON, MS (FHA\|USDA\|VA)	1	$245,000	$245,000	$3,201	4.75%
MONTGOMERY, AL (FHA\|USDA\|VA)	1	$235,000	$235,000	$9,752	3.75%
KNOXVILLE, TN (FHA\|USDA\|VA)	1	$235,000	$235,000	$3,061	4.63%
FORT COLLINS, CO (FHA\|USDA\|VA)	1	$235,000	$235,000	$9,716	4.25%
GOLDSBORO, NC (FHA\|USDA\|VA)	1	$235,000	$235,000	$6,724	3.38%
WORCESTER, MA-CT (FHA\|USDA\|VA)	1	$235,000	$235,000	$2,355	4.00%
PORTLAND-SOUTH PORTLAND, ME (FHA\|USDA\|VA)	1	$225,000	$225,000	$9,394	4.50%
Kerrville, TX (FHA\|USDA\|VA)	1	$225,000	$225,000	$2,606	4.38%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	1	$225,000	$225,000	$9,946	4.38%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	1	$225,000	$225,000	$2,921	4.13%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	2	$220,000	$110,000	$5,658	4.25%
YUBA CITY, CA (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,498	4.50%
ATHENS-CLARKE COUNTY, GA (FHA\|USDA\|VA)	1	$215,000	$215,000	$5,636	5.00%
SIOUX CITY, IA-NE-SD (FHA\|USDA\|VA)	1	$205,000	$205,000	$4,880	4.38%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$205,000	$205,000	$5,094	4.25%
MOBILE, AL (FHA\|USDA\|VA)	1	$205,000	$205,000	$8,192	4.25%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	1	$195,000	$195,000	$7,768	3.75%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	1	$195,000	$195,000	$6,063	5.38%
GULFPORT-BILOXI, MS (FHA\|USDA\|VA)	1	$185,000	$185,000	$7,795	3.75%
Bozeman, MT (FHA\|USDA\|VA)	1	$175,000	$175,000	$4,088	5.13%
GETTYSBURG, PA (FHA\|USDA\|VA)	1	$145,000	$145,000	$5,361	4.25%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,627	4.38%
FORT WAYNE, IN (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,997	4.88%
Fort Leonard Wood, MO (FHA\|USDA\|VA)	1	$125,000	$125,000	$1,430	3.75%
GLENS FALLS, NY (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,668	5.00%
NEW BERN, NC (FHA\|USDA\|VA)	1	$125,000	$125,000	$5,105	4.25%
ELIZABETHTOWN-FORT KNOX, KY (FHA\|USDA\|VA)	1	$125,000	$125,000	$2,588	5.50%
Palestine, TX (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,870	4.25%
Lebanon, NH-VT (FHA\|USDA\|VA)	1	$115,000	$115,000	$4,114	4.00%
Outside of Metro Areas	1	$105,000	$105,000	$2,310	3.75%
PITTSBURGH, PA (FHA\|USDA\|VA)	1	$65,000	$65,000	$3,145	4.88%

Capital Bank's top markets include Washington, Baltimore, Orlando, Philadelphia, and Miami among others.

Their top states include:

Maryland (FHA|USDA|VA)

District of Columbia (FHA|USDA|VA)

Virginia (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Texas (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	619	$248,215,000	$400,994	$5,572	4.84%
VA	273	$91,335,000	$334,560	$7,621	4.09%
FHA	181	$46,445,000	$256,602	$9,295	4.66%
USDA	1	$185,000	$185,000	$5,452	4.50%

For 2018, Capital Bank's most frequently originated type of loan was Conventional, with 619 originations. Their 2nd most popular type was VA, with 273 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	812	$270,230,000	$332,796	$7,092	4.65%
Cash Out Refi	165	$60,155,000	$364,576	$6,151	4.50%
Refi	97	$55,795,000	$575,206	$5,004	4.58%

For 2018, Capital Bank's most frequently cited loan purpose was Home Purchase, with 812 originations. The 2nd most popular reason was Cash Out Refi, with 165 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	960	$320,930,000	$334,302	$6,924	4.57%
5 Year	31	$16,935,000	$546,290	$0	5.58%
15 Year	29	$8,305,000	$286,379	$4,463	3.85%
10 Year	13	$16,175,000	$1,244,231	$2,802	5.27%
1 Year	13	$5,035,000	$387,308	$0	6.24%
20 Year	13	$3,055,000	$235,000	$4,006	4.29%
Other	11	$12,165,000	$1,105,909	$3,026	5.24%
3 Year	4	$3,580,000	$895,000	$0	5.44%

For 2018, Capital Bank's most frequently cited loan duration was 30 Year, with 960 originations. The 2nd most popular length was 5 Year, with 31 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	622	$200,950,000	$323,071
$1k-2k	150	$40,540,000	$270,267
$5k+	80	$34,860,000	$435,750
$2k-3k	58	$22,660,000	$390,690
$4k-5k	50	$17,470,000	$349,400
$3k-4k	47	$17,205,000	$366,064

Capital Bank's average total fees were $6,924, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 622 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	640	$221,950,000	$346,797
3-4%	207	$66,245,000	$320,024
5-6%	205	$82,685,000	$403,341
6-7%	22	$15,300,000	$695,455

During 2018, Capital Bank's average interest rate for loans was 4.57%, while their most frequently originated rate bucket for loans was 4-5%, with 640 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	567	$163,865,000	$289,004	$7,106	4.50%
$400k-600k	186	$87,850,000	$472,312	$7,351	4.60%
$100k-200k	185	$28,945,000	$156,459	$4,976	4.81%
$600k-1MM	77	$54,845,000	$712,273	$8,596	4.72%
$100,000 or less	32	$2,270,000	$70,938	$3,377	4.94%
$1MM+	27	$48,405,000	$1,792,778	$10,255	5.28%

2018 saw Capital Bank place emphasis on $200k-400k loans with 567 originations, totaling $163,865,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	243	$86,005,000	$353,930	$6,442	4.52%
$50k-75k	235	$57,215,000	$243,468	$7,589	4.58%
$75k-100k	196	$57,030,000	$290,969	$7,166	4.53%
$150k-250k	156	$70,980,000	$455,000	$6,633	4.49%
$50k or less	99	$17,645,000	$178,232	$6,262	4.69%
$250k+	85	$55,195,000	$649,353	$6,006	4.82%

Capital Bank lent most frequently to those with incomes in the $100k-150k range, with 243 originations. The second most popular income band? $50k-75k, with 235 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
30-36%	164	$60,660,000	$369,878	$5,848	4.50%
20-30%	134	$49,010,000	$365,746	$5,431	4.55%
50-60%	75	$26,205,000	$349,400	$9,143	4.55%
44%	73	$22,075,000	$302,397	$7,798	4.71%
49%	62	$18,560,000	$299,355	$7,519	4.54%
45%	58	$16,330,000	$281,552	$9,165	4.58%
47%	50	$16,600,000	$332,000	$6,667	4.52%
<20%	43	$19,285,000	$448,488	$5,444	4.70%
43%	43	$12,935,000	$300,814	$7,007	4.62%
48%	41	$11,885,000	$289,878	$7,207	4.43%
39%	41	$12,825,000	$312,805	$7,119	4.66%
40%	35	$13,125,000	$375,000	$7,067	4.56%
38%	34	$10,770,000	$316,765	$6,807	4.66%
46%	34	$10,060,000	$295,882	$8,592	4.36%
37%	34	$11,290,000	$332,059	$5,239	4.78%
42%	33	$10,315,000	$312,576	$6,178	4.59%
41%	33	$10,115,000	$306,515	$5,827	4.66%
36%	22	$7,160,000	$325,455	$6,686	4.44%
>60%	3	$2,305,000	$768,333	$10,677	5.50%

Capital Bank lent most frequently to those with DTI ratios of 30-36%, with 164 originations. The next most common DTI ratio? 20-30%, with 134 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	613	$209,705,000	$342,096	$6,260	4.50%
Black	237	$71,695,000	$302,511	$8,601	4.75%
Not provided	108	$44,410,000	$411,204	$6,334	4.55%
Not applicable	48	$38,450,000	$801,042	$0	5.76%
Asian	52	$16,990,000	$326,731	$5,970	4.53%
American Indian	11	$3,555,000	$323,182	$6,558	4.57%
Other Asian	2	$440,000	$220,000	$5,519	4.87%
Asian Indian	1	$375,000	$375,000	$9,274	4.13%
Other Pacific Islander	1	$305,000	$305,000	$5,691	3.75%
Native Hawaiian or Islander	1	$255,000	$255,000	$7,579	4.25%

Approval Rates

Total approvals of all applications
94.93%

Capital Bank has an average approval rate.

Pick Rate

Approvals leading to origination
65.64%

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	1,074	$386,180,000	$359,572

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	9	$16,465,000	$1,829,444
Single Family (1-4 Units):Site-Built	1,065	$369,715,000	$347,150

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	15	$3,605,000	$240,333	$4,044	4.22%
40-60%	74	$29,730,000	$401,757	$4,705	4.65%
60-80%	267	$108,115,000	$404,925	$5,962	4.84%
80-100%	643	$207,665,000	$322,963	$6,969	4.55%
Over 100%	71	$36,925,000	$520,070	$11,344	4.45%
Under 20%	4	$140,000	$35,000	$965	4.72%

Complaints

Bank Name	Product	Issue	2018 CPFB Complaints	% of Total Issues
Capital Management Services, LP	Home equity loan or line of credit (HELOC)	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	10700 Parkridge Blvd Suite 180 Reston, VA 20191	Full Service B&M	$25,000
Capital Bank, National Association	1776 I Street, N.W. Washington, DC 20006	Full Service B&M	$145,814
Capital Bank, National Association	6000 Executive Blvd, #101 North Bethesda, MD 20852	Full Service B&M	$179,863
Capital Bank, National Association	6711 Columbia Gateway Dr, Suite 170 Columbia, MD 21046	Full Service B&M	$17,868
Capital Bank, National Association	890 Hendersonville Road Asheville, NC 28803	Full Service B&M	$527
Capital Bank, National Association	One Church Street Rockville, MD 20850	Full Service B&M	$571,152

For 2018, Capital Bank had 6 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$68,338
Net interest income	$58,126
Total noninterest income	$16,394
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$474
Trading account gains and fees	$0
Additional Noninterest Income	$15,920
Pre-tax net operating income	$18,406
Securities gains (or losses, -)	$-2
Income before extraordinary items	$13,285
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$13,285
Minority interest net income	$0
Net income	$13,285
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$13,286

Capital Bank's gross interest income from loans was $68,338,000.
Capital Bank's net interest income from loans was $58,126,000.
Capital Bank's fee based income from loans was $474,000.
Capital Bank's net income from loans was $13,285,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$10,212
Provision for credit losses	$1,976
Total noninterest expense	$54,138
Salaries and employee benefits	$25,083
Premises and equipment expense	$4,182
Additional noninterest expense	$24,873
Applicable income taxes	$5,119
Net charge-offs	$866
Cash dividends	$4,250

Capital Bank's interest expense for loans was $10,212,000.
Capital Bank's payroll and benefits expense were $25,083,000.
Capital Bank's property, plant and equipment expenses $4,182,000.

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	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
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	$959,277
Deposits held in domestic offices	$959,277
Deposits by Individuals, partnerships, and corporations	$756,832
Deposits by U.S. Government	$3,023
Deposits by States and political subdivisions in the U.S.	$119,203
Deposits by Commercial banks and other depository institutions in U.S.	$80,219
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$272,089
Demand deposits	$186,342
Nontransaction accounts	$687,188
Money market deposit accounts (MMDAs)	$288,896
Other savings deposits (excluding MMDAs)	$62,820
Total time deposits	$335,471
Total time and savings deposits	$772,935
Noninterest-bearing deposits	$246,296
Interest-bearing deposits	$712,981
Retail deposits	$750,524
IRAs and Keogh plan accounts	$2,084
Brokered deposits	$114,340
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$1,074,501
Cash & Balances due from depository institutions	$34,670
Interest-bearing balances	$24,591
Total securities	$46,932
Federal funds sold & reverse repurchase	$53
Net loans and leases	$977,839
Loan and leases loss allowance	$11,049
Trading account assets	$0
Bank premises and fixed assets	$2,204
Other real estate owned	$141
Goodwill and other intangibles	$0
All other assets	$12,662

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$1,074,501
Total Liabilities	$978,977
Total deposits	$959,277
Interest-bearing deposits	$712,981
Deposits held in domestic offices	$959,277
% insured (estimated)	$50
Federal funds purchased and repurchase agreements	$5,332
Trading liabilities	$0
Other borrowed funds	$2,000
Subordinated debt	$0
All other liabilities	$12,368

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$977,839
Loan and leases loss allowance	$11,049
Total loans and leases (domestic)	$988,888
All real estate loans	$832,211
Real estate loans in domestic offices	$832,211
Construction and development loans	$152,898
Residential 1-4 family construction	$130,630
Other construction, all land development and other land	$22,268
Loans secured by nonfarm nonresidential properties	$270,103
Nonfarm nonresidential secured by owner-occupied properties	$128,934
Commercial real estate & other non-farm, non-residential	$141,169
Multifamily residential real estate	$67,649
1-4 family residential loans	$341,561
Farmland loans	$0
Loans held in foreign offices	$0
Farm loans	$0
Commercial and industrial loans	$122,276
To non-U.S. addressees	$0
Loans to individuals	$34,274
Credit card loans	$33,191
Related Plans	$177
Consumer Auto Loans	$52
Other loans to individuals	$854
All other loans & leases	$127
Loans to foreign governments and official institutions	$0
Other loans	$127
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 $977,839,000 of loans outstanding in 2018. $832,211,000 of loans were in real estate loans. $152,898,000 of loans were in development loans. $67,649,000 of loans were in multifamily mortgage loans. $341,561,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $33,191,000 of loans were in credit card loans. $52,000 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	202	$78,820	$390,198
Nonfarm, nonresidential loans - <$100k	13	$636	$48,923
Nonfarm, nonresidential loans - $100-250k	44	$6,357	$144,477
Nonfarm, nonresidential loans - $250k-1MM	145	$71,827	$495,359
Commercial & Industrial, US addressed loans - <$1MM	306	$53,811	$175,853
Commercial & Industrial, US addressed loans - <$100k	98	$3,375	$34,439
Commercial & Industrial, US addressed loans - $100-250k	109	$13,651	$125,239
Commercial & Industrial, US addressed loans - $250k-1MM	99	$36,785	$371,566