Capital Bank Mortgage Rates, Fees & Info
Rockville, MDLEI: 54930044OSTKOJMHF287
Tax ID: 52-2132492
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Review & Overview
Capital Bank is a smaller bank specializing in Home Purchase and Refi 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, Tampa, and Virginia Beach among others. We have data for 188 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.
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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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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,778Origination Dollar Volume (All Markets)
$657,390,000Employee count
230Awards
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Capital Bank - 2019
Capital Bank is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 750 | $334,560,000 | $446,080 | $6,608 | 4.21% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 341 | $103,975,000 | $304,912 | $6,131 | 4.26% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 45 | $11,535,000 | $256,333 | $5,928 | 4.10% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 21 | $7,865,000 | $374,524 | $5,347 | 3.53% |
| Outside of Metro Areas | 28 | $7,200,000 | $257,143 | $4,600 | 3.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 22 | $7,170,000 | $325,909 | $3,340 | 3.61% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 23 | $7,135,000 | $310,217 | $5,814 | 3.62% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 13 | $6,065,000 | $466,538 | $6,765 | 3.44% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 14 | $5,420,000 | $387,143 | $3,770 | 3.68% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 17 | $5,415,000 | $318,529 | $2,722 | 3.47% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 15 | $5,375,000 | $358,333 | $4,055 | 3.43% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 13 | $5,235,000 | $402,692 | $4,532 | 3.47% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 15 | $5,115,000 | $341,000 | $4,144 | 3.75% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 16 | $4,680,000 | $292,500 | $4,489 | 3.64% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 16 | $4,650,000 | $290,625 | $3,493 | 3.77% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 9 | $4,355,000 | $483,889 | $7,627 | 3.79% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 12 | $4,350,000 | $362,500 | $4,321 | 3.41% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 10 | $4,150,000 | $415,000 | $9,376 | 3.44% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 8 | $3,440,000 | $430,000 | $9,178 | 3.72% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $3,335,000 | $370,556 | $2,668 | 3.85% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 10 | $3,300,000 | $330,000 | $6,028 | 3.43% |
| RICHMOND, VA (FHA|USDA|VA) | 9 | $3,135,000 | $348,333 | $4,321 | 3.71% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 9 | $2,965,000 | $329,444 | $5,314 | 3.63% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $2,855,000 | $407,857 | $2,957 | 3.80% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 7 | $2,645,000 | $377,857 | $3,925 | 3.43% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 8 | $2,510,000 | $313,750 | $5,959 | 4.16% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $2,495,000 | $499,000 | $6,916 | 3.58% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 8 | $2,440,000 | $305,000 | $3,475 | 3.53% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 7 | $2,255,000 | $322,143 | $4,620 | 3.84% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 9 | $2,185,000 | $242,778 | $5,479 | 4.01% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 6 | $2,070,000 | $345,000 | $3,664 | 3.48% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $2,065,000 | $413,000 | $4,459 | 4.85% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 6 | $1,890,000 | $315,000 | $3,473 | 3.27% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $1,845,000 | $263,571 | $6,007 | 3.55% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 7 | $1,835,000 | $262,143 | $5,707 | 4.23% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $1,675,000 | $335,000 | $2,658 | 3.45% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $1,580,000 | $395,000 | $3,620 | 3.31% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $3,484 | 3.38% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $1,535,000 | $307,000 | $4,061 | 3.63% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $2,930 | 3.71% |
| BOISE CITY, ID (FHA|USDA|VA) | 4 | $1,450,000 | $362,500 | $3,117 | 3.16% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $1,415,000 | $471,667 | $3,116 | 3.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $3,251 | 3.63% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $3,975 | 3.75% |
| RENO, NV (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $10,982 | 3.72% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $2,373 | 3.13% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $6,646 | 3.92% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 6 | $1,140,000 | $190,000 | $3,743 | 4.02% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $7,692 | 3.67% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $5,103 | 3.33% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $4,366 | 3.58% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $6,958 | 4.19% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $2,212 | 3.58% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $5,646 | 3.33% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $6,500 | 3.42% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $6,692 | 3.29% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $4,665 | 3.75% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $3,716 | 3.31% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $4,245 | 3.33% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $7,442 | 4.13% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $2,626 | 3.75% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $8,065 | 3.44% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $1,445 | 3.25% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $6,326 | 3.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $3,452 | 3.79% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $2,875 | 3.13% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $7,136 | 3.88% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $5,195 | 3.56% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,007 | 3.75% |
| DOVER, DE (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $8,728 | 4.08% |
| Easton, MD (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,828 | 4.56% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $3,255 | 4.06% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $6,412 | 3.44% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,881 | 3.69% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $5,833 | 3.13% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $10,847 | 4.06% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $7,797 | 3.13% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,287 | 3.63% |
| NEW BERN, NC (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $2,308 | 4.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $4,066 | 3.25% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,191 | 3.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,001 | 3.06% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $6,244 | 3.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $5,728 | 4.17% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $4,938 | 3.79% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $5,126 | 3.25% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $14,899 | 2.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,864 | 3.50% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $15,804 | 4.25% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $8,672 | 3.88% |
| Lake City, FL (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,830 | 3.63% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $0 | 4.12% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,535 | 3.13% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,609 | 3.50% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,267 | 3.69% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $8,958 | 4.06% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,221 | 3.13% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,996 | 3.19% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $1,157 | 3.38% |
| Edwards, CO (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,958 | 4.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $17,349 | 3.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,766 | 3.50% |
| Cambridge, MD (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,874 | 4.31% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,558 | 4.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,300 | 3.50% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $1,656 | 2.88% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $1,086 | 3.25% |
| STAUNTON, VA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,741 | 3.56% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $9,403 | 3.13% |
| Riverton, WY (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $1,328 | 3.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,324 | 3.19% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,301 | 3.75% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,192 | 3.50% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,048 | 3.25% |
| Lewisburg, PA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,143 | 3.31% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,735 | 3.75% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $13,666 | 3.63% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,972 | 3.38% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,917 | 3.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,092 | 3.75% |
| Helena, MT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,726 | 3.38% |
| Juneau, AK (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,717 | 3.00% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,047 | 3.63% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,001 | 3.75% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,457 | 3.75% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,844 | 3.00% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,950 | 4.13% |
| Concord, NH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,282 | 3.38% |
| READING, PA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,775 | 3.25% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,252 | 3.88% |
| Huntington, IN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,208 | 3.88% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,600 | 4.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,249 | 5.25% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,750 | 3.00% |
| MONROE, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,142 | 3.50% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,146 | 3.50% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,806 | 3.88% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,373 | 3.63% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,807 | 4.13% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,405 | 3.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,382 | 3.88% |
| SALEM, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,514 | 4.88% |
| Outside of Metro Areas | 1 | $275,000 | $275,000 | $15,349 | 3.75% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,379 | 4.38% |
| Palestine, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,044 | 3.38% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,789 | 3.38% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,467 | 3.38% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,216 | 4.00% |
| Searcy, AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,211 | 3.25% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,624 | 3.99% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,734 | 3.50% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,729 | 3.50% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,055 | 3.63% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,603 | 3.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,872 | 3.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,570 | 3.50% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,759 | 4.50% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,488 | 3.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,691 | 3.75% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,077 | 3.50% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,380 | 3.63% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,768 | 3.75% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,636 | 4.13% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,463 | 4.13% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,804 | 3.75% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,022 | 3.38% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,173 | 3.38% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,120 | 3.50% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,323 | 2.75% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,121 | 3.50% |
| Aberdeen, SD (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,676 | 3.75% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,487 | 3.25% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,267 | 3.38% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,891 | 3.25% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,337 | 3.50% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,747 | 3.75% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,417 | 3.63% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,086 | 3.50% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,667 | 4.50% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,795 | 3.50% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.63% |
| Oil City, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,468 | 4.25% |
| WACO, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,780 | 3.25% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,741 | 3.75% |
| OCALA, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,582 | 3.75% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.63% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,961 | 5.00% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.13% |
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Product Mix
For 2019, Capital Bank's most frequently originated type of loan was Conventional, with 963 originations. Their 2nd most popular type was VA, with 547 originations.
Loan Reason
For 2019, Capital Bank's most frequently cited loan purpose was Home Purchase, with 942 originations. The 2nd most popular reason was Refi, with 585 originations.
Loan Duration/Length
For 2019, Capital Bank's most frequently cited loan duration was 30 Year, with 1,604 originations. The 2nd most popular length was 15 Year, with 61 originations.
Origination Fees/Closing Costs
Capital Bank's average total fees were $5,939, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,135 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 951 | $345,275,000 | $363,065 |
| 4-5% | 588 | $205,500,000 | $349,490 |
| 5-6% | 128 | $64,370,000 | $502,891 |
| 2.5-3% | 94 | $36,730,000 | $390,745 |
| 6-7% | 17 | $5,515,000 | $324,412 |
During 2019, Capital Bank's average interest rate for loans was 3.97%, while their most frequently originated rate bucket for loans was 3-4%, with 951 originations.
Loan Sizing
2019 saw Capital Bank place emphasis on $200k-400k loans with 978 originations, totaling $294,030,000 in origination value.
Applicant Income
Capital Bank lent most frequently to those with incomes in the $100k-150k range, with 373 originations. The second most popular income band? $50k-75k, with 320 originations.
Applicant Debt to Income Ratio
Capital Bank lent most frequently to those with DTI ratios of 20-30%, with 265 originations. The next most common DTI ratio? 30-36%, with 228 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.61%
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 origination70.75%
Capital Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,778 | $657,390,000 | $369,736 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 6 | $10,850,000 | $1,808,333 |
| Single Family (1-4 Units):Site-Built | 1,772 | $646,540,000 | $364,865 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Capital Markets Cooporative, LLC | Conventional home mortgage | Closing on a mortgage | 2 | 4.7% |
| Capital Markets Cooporative, LLC | Conventional home mortgage | Trouble during payment process | 40 | 93.0% |
| Capital Markets Cooporative, LLC | Other type of mortgage | Incorrect information on your report | 1 | 2.3% |
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 | $59,908 |
| Capital Bank, National Association | 1776 I Street, N.W. Washington, DC 20006 | Full Service B&M | $169,553 |
| Capital Bank, National Association | 6000 Executive Blvd, #101 North Bethesda, MD 20852 | Full Service B&M | $239,917 |
| Capital Bank, National Association | 6711 Columbia Gateway Dr, Suite 170 Columbia, MD 21046 | Full Service B&M | $15,254 |
| 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 | $553,795 |
For 2019, Capital Bank had 6 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $81,045 |
| Net interest income | $66,280 |
| Total noninterest income | $24,487 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $532 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $23,955 |
| Pre-tax net operating income | $21,720 |
| Securities gains (or losses, -) | $26 |
| Income before extraordinary items | $16,130 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $16,130 |
| Minority interest net income | $0 |
| Net income | $16,130 |
| Sale, conversion, retirement of capital stock, net | $350 |
| Net operating income | $16,109 |
Capital Bank's gross interest income from loans was $81,045,000.
Capital Bank's net interest income from loans was $66,280,000.
Capital Bank's fee based income from loans was $532,000.
Capital Bank's net income from loans was $16,130,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $14,765 |
| Provision for credit losses | $2,741 |
| Total noninterest expense | $66,306 |
| Salaries and employee benefits | $32,470 |
| Premises and equipment expense | $3,906 |
| Additional noninterest expense | $29,930 |
| Applicable income taxes | $5,616 |
| Net charge-offs | $798 |
| Cash dividends | $3,500 |
Capital Bank's interest expense for loans was $14,765,000.
Capital Bank's payroll and benefits expense were $32,470,000.
Capital Bank's property, plant and equipment expenses $3,906,000.
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 | $1,228,435 |
| Deposits held in domestic offices | $1,228,435 |
| Deposits by Individuals, partnerships, and corporations | $995,811 |
| Deposits by U.S. Government | $2,174 |
| Deposits by States and political subdivisions in the U.S. | $148,871 |
| Deposits by Commercial banks and other depository institutions in U.S. | $81,579 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $390,735 |
| Demand deposits | $390,735 |
| Nontransaction accounts | $837,700 |
| Money market deposit accounts (MMDAs) | $429,078 |
| Other savings deposits (excluding MMDAs) | $81,898 |
| Total time deposits | $326,725 |
| Total time and savings deposits | $837,700 |
| Noninterest-bearing deposits | $294,791 |
| Interest-bearing deposits | $933,644 |
| Retail deposits | $1,026,049 |
| IRAs and Keogh plan accounts | $2,084 |
| Brokered deposits | $88,825 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $1,396,934 |
| Cash & Balances due from depository institutions | $114,770 |
| Interest-bearing balances | $104,295 |
| Total securities | $60,828 |
| Federal funds sold & reverse repurchase | $54 |
| Net loans and leases | $1,197,933 |
| Loan and leases loss allowance | $12,992 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $5,654 |
| Other real estate owned | $2,384 |
| Goodwill and other intangibles | $0 |
| All other assets | $15,311 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $1,396,934 |
| Total Liabilities | $1,282,309 |
| Total deposits | $1,228,435 |
| Interest-bearing deposits | $933,644 |
| Deposits held in domestic offices | $1,228,435 |
| % insured (estimated) | $48 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $36,513 |
| Subordinated debt | $0 |
| All other liabilities | $17,361 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,197,933 |
| Loan and leases loss allowance | $12,992 |
| Total loans and leases (domestic) | $1,210,925 |
| All real estate loans | $1,013,668 |
| Real estate loans in domestic offices | $1,013,668 |
| Construction and development loans | $188,894 |
| Residential 1-4 family construction | $156,858 |
| Other construction, all land development and other land | $32,036 |
| Loans secured by nonfarm nonresidential properties | $325,104 |
| Nonfarm nonresidential secured by owner-occupied properties | $159,846 |
| Commercial real estate & other non-farm, non-residential | $165,258 |
| Multifamily residential real estate | $83,662 |
| 1-4 family residential loans | $416,008 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $151,256 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $45,611 |
| Credit card loans | $44,712 |
| Related Plans | $244 |
| Consumer Auto Loans | $41 |
| Other loans to individuals | $614 |
| All other loans & leases | $390 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $390 |
| 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 $1,197,933,000 of loans outstanding in 2019. $1,013,668,000 of loans were in real estate loans. $188,894,000 of loans were in development loans. $83,662,000 of loans were in multifamily mortgage loans. $416,008,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $44,712,000 of loans were in credit card loans. $41,000 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 | 230 | $96,685 | $420,370 |
| Nonfarm, nonresidential loans - <$100k | 14 | $793 | $56,643 |
| Nonfarm, nonresidential loans - $100-250k | 47 | $6,551 | $139,383 |
| Nonfarm, nonresidential loans - $250k-1MM | 169 | $89,341 | $528,645 |
| Commercial & Industrial, US addressed loans - <$1MM | 317 | $62,207 | $196,237 |
| Commercial & Industrial, US addressed loans - <$100k | 86 | $3,238 | $37,651 |
| Commercial & Industrial, US addressed loans - $100-250k | 116 | $15,291 | $131,819 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 115 | $43,678 | $379,809 |