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

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Mortgage Data

Bank 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% 11/17/24
30 Year Conventional Refi 6.39% 11/17/24
30 Year Cash-out Refi 6.63% 11/17/24
30 Year FHA Purchase 7.46% 11/17/24
30 Year FHA Refi 6.12% 11/17/24
30 Year VA Purchase 6.12% 11/17/24
30 Year VA Refi 5.83% 11/17/24
30 Year USDA Purchase 6.06% 11/17/24
15 Year Conventional Purchase 5.98% 11/17/24
15 Year Conventional Refi 6.33% 11/17/24
15 Year Cash-out Refi 6.33% 11/17/24
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

1,074

Origination Dollar Volume (All Markets)

$386,180,000

Employee count

204

Awards

Capital Bank FHA Loans silver Capital Bank FHA Loans gold Capital Bank VA Loans bronze Capital Bank VA Loans gold
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