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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    • Review & Overview

    Capital Bank is a small bank specializing in Refi and Home Purchase loans. Capital Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Washington, Salisbury, Baltimore, Boston, and Philadelphia among others. We have data for 230 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






    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

    2,696

    Origination Dollar Volume (All Markets)

    $1,073,860,000

    Employee count

    261 Show all (16) 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) 1,010 $482,180,000 $477,406 $6,034 2.95%
    SALISBURY, MD-DE (FHA|USDA|VA) 393 $166,755,000 $424,313 $5,334 2.88%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 302 $100,380,000 $332,384 $4,658 2.87%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 55 $22,335,000 $406,091 $2,408 2.89%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 59 $20,185,000 $342,119 $4,887 2.76%
    Outside of Metro Areas 35 $10,855,000 $310,143 $4,055 2.72%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 27 $10,255,000 $379,815 $4,915 2.80%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 31 $9,525,000 $307,258 $4,294 2.74%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 21 $9,055,000 $431,190 $4,972 3.05%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 28 $9,000,000 $321,429 $5,713 2.86%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 25 $8,025,000 $321,000 $5,470 2.74%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 14 $7,860,000 $561,429 $4,554 2.82%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 18 $6,830,000 $379,444 $2,813 2.55%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 15 $6,595,000 $439,667 $7,215 2.79%
    RALEIGH-CARY, NC (FHA|USDA|VA) 16 $6,080,000 $380,000 $3,496 2.57%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 15 $5,805,000 $387,000 $5,275 2.85%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 17 $4,995,000 $293,824 $5,765 2.76%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 10 $4,610,000 $461,000 $8,055 2.41%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 14 $4,530,000 $323,571 $4,883 2.41%
    WORCESTER, MA-CT (FHA|USDA|VA) 12 $4,340,000 $361,667 $3,031 2.86%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 8 $4,280,000 $535,000 $5,375 2.47%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 13 $3,495,000 $268,846 $4,063 3.06%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 12 $3,380,000 $281,667 $3,966 2.70%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 8 $3,290,000 $411,250 $3,109 2.67%
    RICHMOND, VA (FHA|USDA|VA) 11 $3,195,000 $290,455 $3,270 2.97%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 10 $3,180,000 $318,000 $2,547 2.70%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 7 $3,045,000 $435,000 $1,819 2.39%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $3,030,000 $378,750 $3,987 2.59%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 9 $3,005,000 $333,889 $3,970 2.75%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 10 $2,930,000 $293,000 $3,714 2.96%
    DOVER, DE (FHA|USDA|VA) 11 $2,915,000 $265,000 $5,801 2.81%
    WINCHESTER, VA-WV (FHA|USDA|VA) 12 $2,910,000 $242,500 $3,614 2.71%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 9 $2,785,000 $309,444 $2,045 2.71%
    PITTSBURGH, PA (FHA|USDA|VA) 12 $2,770,000 $230,833 $4,269 2.76%
    RENO, NV (FHA|USDA|VA) 5 $2,735,000 $547,000 $7,037 2.58%
    SALT LAKE CITY, UT (FHA|USDA|VA) 6 $2,700,000 $450,000 $5,194 2.42%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 9 $2,675,000 $297,222 $5,233 2.80%
    JACKSONVILLE, FL (FHA|USDA|VA) 12 $2,630,000 $219,167 $3,858 2.95%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 8 $2,560,000 $320,000 $3,393 2.79%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 9 $2,515,000 $279,444 $2,694 2.89%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $2,495,000 $356,429 $8,958 2.37%
    YORK-HANOVER, PA (FHA|USDA|VA) 10 $2,360,000 $236,000 $4,371 3.00%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $2,340,000 $390,000 $8,380 2.71%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 10 $2,330,000 $233,000 $4,129 3.01%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $2,255,000 $451,000 $6,558 2.85%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 6 $2,220,000 $370,000 $2,591 2.75%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $1,975,000 $658,333 $23,793 2.46%
    COLUMBUS, OH (FHA|USDA|VA) 6 $1,970,000 $328,333 $6,121 2.58%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 6 $1,900,000 $316,667 $2,442 3.04%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 6 $1,890,000 $315,000 $2,573 2.92%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 5 $1,885,000 $377,000 $7,018 2.77%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,775,000 $355,000 $5,540 2.72%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $1,775,000 $355,000 $7,987 2.73%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $1,665,000 $333,000 $3,702 2.48%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $1,635,000 $327,000 $7,779 2.68%
    TOLEDO, OH (FHA|USDA|VA) 5 $1,615,000 $323,000 $7,788 2.42%
    FORT COLLINS, CO (FHA|USDA|VA) 3 $1,555,000 $518,333 $3,678 2.33%
    LANCASTER, PA (FHA|USDA|VA) 6 $1,550,000 $258,333 $3,605 2.96%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 4 $1,520,000 $380,000 $4,365 2.78%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $1,455,000 $291,000 $2,740 2.55%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 4 $1,400,000 $350,000 $4,197 2.56%
    HUNTSVILLE, AL (FHA|USDA|VA) 4 $1,400,000 $350,000 $2,646 2.53%
    Easton, MD (FHA|USDA|VA) 3 $1,335,000 $445,000 $3,989 3.16%
    BOISE CITY, ID (FHA|USDA|VA) 3 $1,285,000 $428,333 $11,164 2.54%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 4 $1,260,000 $315,000 $5,177 2.78%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,240,000 $310,000 $4,448 2.97%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,225,000 $245,000 $4,552 3.00%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $1,180,000 $295,000 $2,682 2.66%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $1,180,000 $295,000 $3,806 3.00%
    WILMINGTON, NC (FHA|USDA|VA) 4 $1,090,000 $272,500 $5,432 2.81%
    ALBUQUERQUE, NM (FHA|USDA|VA) 4 $1,050,000 $262,500 $2,825 2.72%
    FRESNO, CA (FHA|USDA|VA) 3 $1,045,000 $348,333 $4,033 3.00%
    Kill Devil Hills, NC (FHA|USDA|VA) 2 $960,000 $480,000 $4,730 3.31%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $930,000 $232,500 $1,781 2.38%
    SAVANNAH, GA (FHA|USDA|VA) 3 $925,000 $308,333 $6,886 2.46%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $890,000 $222,500 $5,964 2.78%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $865,000 $288,333 $2,455 2.50%
    JACKSONVILLE, NC (FHA|USDA|VA) 3 $865,000 $288,333 $1,950 2.38%
    Helena, MT (FHA|USDA|VA) 2 $860,000 $430,000 $3,565 2.19%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 3 $855,000 $285,000 $2,222 2.58%
    PROVO-OREM, UT (FHA|USDA|VA) 2 $840,000 $420,000 $3,722 2.13%
    SPRINGFIELD, MO (FHA|USDA|VA) 3 $825,000 $275,000 $7,992 2.50%
    SALINAS, CA (FHA|USDA|VA) 2 $810,000 $405,000 $5,187 2.87%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $800,000 $400,000 $7,685 3.06%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $765,000 $255,000 $4,358 2.67%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $715,000 $143,000 $0 3.50%
    DECATUR, AL (FHA|USDA|VA) 1 $705,000 $705,000 $1,913 2.63%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $695,000 $231,667 $2,389 2.79%
    FLAGSTAFF, AZ (FHA|USDA|VA) 2 $680,000 $340,000 $1,686 2.56%
    TUCSON, AZ (FHA|USDA|VA) 3 $675,000 $225,000 $2,214 2.25%
    SALEM, OR (FHA|USDA|VA) 2 $670,000 $335,000 $4,551 2.56%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $665,000 $665,000 $6,429 2.75%
    Warrensburg, MO (FHA|USDA|VA) 2 $660,000 $330,000 $10,217 2.69%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $650,000 $325,000 $2,643 2.62%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $635,000 $211,667 $3,469 2.42%
    Washington, NC (FHA|USDA|VA) 1 $625,000 $625,000 $16,700 3.13%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $615,000 $205,000 $3,008 2.96%
    SPARTANBURG, SC (FHA|USDA|VA) 2 $610,000 $305,000 $1,795 2.50%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 3 $605,000 $201,667 $1,187 2.42%
    URBAN HONOLULU, HI (FHA|USDA|VA) 1 $595,000 $595,000 $6,610 2.38%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $580,000 $290,000 $10,029 2.31%
    ROANOKE, VA (FHA|USDA|VA) 2 $570,000 $285,000 $4,460 2.50%
    OCALA, FL (FHA|USDA|VA) 4 $550,000 $137,500 $2,255 2.81%
    Breckenridge, CO (FHA|USDA|VA) 1 $545,000 $545,000 $3,804 2.25%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $545,000 $545,000 $5,121 2.99%
    Key West, FL (FHA|USDA|VA) 1 $545,000 $545,000 $13,998 2.63%
    COLUMBIA, SC (FHA|USDA|VA) 2 $540,000 $270,000 $2,491 2.25%
    STOCKTON, CA (FHA|USDA|VA) 1 $535,000 $535,000 $22,654 2.25%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $535,000 $535,000 $4,040 2.50%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $530,000 $265,000 $2,813 2.25%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $530,000 $265,000 $3,637 2.68%
    READING, PA (FHA|USDA|VA) 2 $520,000 $260,000 $3,584 2.88%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $510,000 $255,000 $2,556 2.88%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $500,000 $250,000 $3,034 2.62%
    STATE COLLEGE, PA (FHA|USDA|VA) 2 $500,000 $250,000 $5,971 2.81%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $495,000 $165,000 $4,833 2.71%
    MIDLAND, MI (FHA|USDA|VA) 1 $495,000 $495,000 $2,301 2.50%
    MONROE, MI (FHA|USDA|VA) 2 $490,000 $245,000 $2,170 2.25%
    Torrington, CT (FHA|USDA|VA) 1 $485,000 $485,000 $9,906 4.25%
    JACKSON, MS (FHA|USDA|VA) 1 $475,000 $475,000 $6,637 2.25%
    FAYETTEVILLE, NC (FHA|USDA|VA) 3 $445,000 $148,333 $3,523 3.33%
    WICHITA, KS (FHA|USDA|VA) 2 $440,000 $220,000 $2,276 2.69%
    Sevierville, TN (FHA|USDA|VA) 2 $440,000 $220,000 $2,306 2.56%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $435,000 $435,000 $5,667 2.25%
    KNOXVILLE, TN (FHA|USDA|VA) 2 $430,000 $215,000 $1,692 2.06%
    Edwards, CO (FHA|USDA|VA) 1 $425,000 $425,000 $2,001 2.88%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $420,000 $210,000 $2,175 2.56%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $410,000 $205,000 $1,374 2.50%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $410,000 $205,000 $3,755 2.56%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $405,000 $405,000 $10,257 2.25%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $405,000 $405,000 $2,036 2.25%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $400,000 $200,000 $2,552 2.81%
    Brevard, NC (FHA|USDA|VA) 1 $395,000 $395,000 $4,718 2.25%
    CHEYENNE, WY (FHA|USDA|VA) 1 $395,000 $395,000 $3,983 2.25%
    Shelton, WA (FHA|USDA|VA) 1 $395,000 $395,000 $2,033 3.13%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $390,000 $195,000 $2,578 2.75%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $375,000 $375,000 $3,049 2.75%
    AMARILLO, TX (FHA|USDA|VA) 1 $375,000 $375,000 $4,050 2.75%
    THE VILLAGES, FL (FHA|USDA|VA) 2 $370,000 $185,000 $2,265 2.75%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $365,000 $365,000 $2,847 2.37%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $365,000 $365,000 $3,812 2.38%
    Roseburg, OR (FHA|USDA|VA) 1 $355,000 $355,000 $2,131 2.25%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $355,000 $355,000 $1,487 2.38%
    BANGOR, ME (FHA|USDA|VA) 2 $350,000 $175,000 $2,799 2.88%
    Somerset, KY (FHA|USDA|VA) 1 $345,000 $345,000 $3,106 2.25%
    LYNCHBURG, VA (FHA|USDA|VA) 2 $340,000 $170,000 $4,387 2.50%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $340,000 $170,000 $2,811 2.50%
    Klamath Falls, OR (FHA|USDA|VA) 1 $335,000 $335,000 $4,353 2.25%
    Enterprise, AL (FHA|USDA|VA) 1 $335,000 $335,000 $1,583 2.50%
    Juneau, AK (FHA|USDA|VA) 1 $335,000 $335,000 $5,074 2.50%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $325,000 $325,000 $1,285 2.38%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $325,000 $325,000 $5,730 2.88%
    Augusta-Waterville, ME (FHA|USDA|VA) 1 $325,000 $325,000 $2,256 2.25%
    EL PASO, TX (FHA|USDA|VA) 2 $320,000 $160,000 $5,329 2.50%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $320,000 $160,000 $10,544 3.06%
    WILLIAMSPORT, PA (FHA|USDA|VA) 1 $305,000 $305,000 $6,883 2.00%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $305,000 $305,000 $3,607 2.88%
    Marion, NC (FHA|USDA|VA) 1 $305,000 $305,000 $2,989 2.88%
    Stevens Point, WI (FHA|USDA|VA) 1 $305,000 $305,000 $2,003 2.25%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $295,000 $295,000 $3,112 2.88%
    WACO, TX (FHA|USDA|VA) 1 $295,000 $295,000 $3,502 2.88%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $285,000 $285,000 $4,513 2.75%
    Sanford, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,765 3.50%
    ROCKY MOUNT, NC (FHA|USDA|VA) 1 $285,000 $285,000 $2,550 2.25%
    Mount Airy, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,489 2.25%
    Barre, VT (FHA|USDA|VA) 1 $285,000 $285,000 $4,089 2.88%
    BILLINGS, MT (FHA|USDA|VA) 1 $285,000 $285,000 $3,768 2.63%
    GREELEY, CO (FHA|USDA|VA) 1 $285,000 $285,000 $3,551 2.75%
    Cambridge, MD (FHA|USDA|VA) 1 $285,000 $285,000 $2,547 2.63%
    Morehead City, NC (FHA|USDA|VA) 1 $275,000 $275,000 $0 2.25%
    GOLDSBORO, NC (FHA|USDA|VA) 1 $275,000 $275,000 $6,631 2.50%
    SPRINGFIELD, MA (FHA|USDA|VA) 1 $275,000 $275,000 $1,349 2.88%
    Van Wert, OH (FHA|USDA|VA) 1 $275,000 $275,000 $2,570 2.25%
    GREENVILLE, NC (FHA|USDA|VA) 1 $275,000 $275,000 $7,139 2.75%
    HINESVILLE, GA (FHA|USDA|VA) 1 $265,000 $265,000 $6,951 2.62%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $265,000 $265,000 $2,242 3.38%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $265,000 $265,000 $6,289 2.38%
    Palestine, TX (FHA|USDA|VA) 1 $265,000 $265,000 $2,852 2.25%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $255,000 $255,000 $2,793 2.88%
    JONESBORO, AR (FHA|USDA|VA) 1 $255,000 $255,000 $1,558 2.25%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $255,000 $255,000 $10,839 2.75%
    Bogalusa, LA (FHA|USDA|VA) 1 $255,000 $255,000 $11,312 2.25%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $255,000 $255,000 $2,580 2.25%
    VISALIA, CA (FHA|USDA|VA) 1 $255,000 $255,000 $3,639 2.38%
    WALLA WALLA, WA (FHA|USDA|VA) 1 $245,000 $245,000 $3,820 2.25%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $245,000 $245,000 $2,263 2.25%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $245,000 $245,000 $3,393 3.25%
    SUMTER, SC (FHA|USDA|VA) 1 $235,000 $235,000 $1,892 2.38%
    VALDOSTA, GA (FHA|USDA|VA) 1 $235,000 $235,000 $2,542 2.99%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $235,000 $235,000 $2,383 2.38%
    AMES, IA (FHA|USDA|VA) 1 $235,000 $235,000 $3,560 3.25%
    LEBANON, PA (FHA|USDA|VA) 1 $225,000 $225,000 $5,064 2.13%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $225,000 $225,000 $2,475 2.99%
    CORVALLIS, OR (FHA|USDA|VA) 1 $225,000 $225,000 $0 2.25%
    Del Rio, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,060 2.25%
    Cañon City, CO (FHA|USDA|VA) 1 $225,000 $225,000 $2,166 2.38%
    Branson, MO (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.25%
    Albemarle, NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,732 2.88%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $215,000 $215,000 $1,163 2.50%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $215,000 $215,000 $2,285 2.25%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $205,000 $205,000 $3,157 2.88%
    Somerset, PA (FHA|USDA|VA) 1 $205,000 $205,000 $3,754 2.88%
    Aberdeen, WA (FHA|USDA|VA) 1 $195,000 $195,000 $11,528 2.25%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $195,000 $195,000 $2,690 2.25%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $195,000 $195,000 $1,064 2.38%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $185,000 $185,000 $1,104 2.38%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $185,000 $185,000 $2,785 2.38%
    CASPER, WY (FHA|USDA|VA) 1 $185,000 $185,000 $2,315 2.38%
    AKRON, OH (FHA|USDA|VA) 1 $185,000 $185,000 $2,869 3.63%
    Keene, NH (FHA|USDA|VA) 1 $175,000 $175,000 $2,023 3.38%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $175,000 $175,000 $3,054 2.88%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,124 2.38%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $165,000 $165,000 $3,037 3.63%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,367 2.25%
    LAWTON, OK (FHA|USDA|VA) 1 $165,000 $165,000 $3,513 2.75%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,166 2.88%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $145,000 $145,000 $1,986 2.88%
    New Castle, PA (FHA|USDA|VA) 1 $145,000 $145,000 $4,402 2.88%
    Big Rapids, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,114 3.13%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $135,000 $135,000 $2,078 3.38%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $125,000 $125,000 $3,149 2.88%
    HARRISONBURG, VA (FHA|USDA|VA) 1 $125,000 $125,000 $2,027 2.88%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $115,000 $115,000 $2,751 3.13%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $115,000 $115,000 $3,775 2.25%
    Houghton, MI (FHA|USDA|VA) 1 $105,000 $105,000 $4,177 2.38%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $95,000 $95,000 $4,882 2.75%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.38%
    Oil City, PA (FHA|USDA|VA) 1 $75,000 $75,000 $4,694 3.00%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $55,000 $55,000 $3,503 3.25%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $45,000 $45,000 $1,518 2.50%
    Capital Bank's top markets include Washington, Salisbury, Baltimore, Boston, and Philadelphia among others.

    Their top states include:
  • Maryland (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • District of Columbia (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 1,943 $773,725,000 $398,212 $4,585 2.99%
    VA 604 $250,800,000 $415,232 $5,445 2.39%
    FHA 140 $46,920,000 $335,143 $11,500 2.97%
    USDA 9 $2,415,000 $268,333 $6,736 2.75%

    For 2021, Capital Bank's most frequently originated type of loan was Conventional, with 1,943 originations. Their 2nd most popular type was VA, with 604 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,180 $478,720,000 $405,695 $3,513 2.74%
    Home Purchase 1,070 $432,300,000 $404,019 $7,044 2.99%
    Cash Out Refi 445 $162,325,000 $364,775 $4,726 2.83%
    Other 1 $515,000 $515,000 $3,690 3.88%

    For 2021, Capital Bank's most frequently cited loan purpose was Refi, with 1,180 originations. The 2nd most popular reason was Home Purchase, with 1,070 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,299 $896,445,000 $389,928 $5,415 2.87%
    15 Year 215 $67,275,000 $312,907 $3,767 2.41%
    20 Year 90 $29,160,000 $324,000 $3,321 2.72%
    Other 31 $12,175,000 $392,742 $2,913 2.92%
    5 Year 29 $33,165,000 $1,143,621 $0 4.29%
    10 Year 29 $33,895,000 $1,168,793 $3,915 3.26%
    3 Year 2 $1,420,000 $710,000 $0 4.20%
    1 Year 1 $325,000 $325,000 $0 5.00%

    For 2021, Capital Bank's most frequently cited loan duration was 30 Year, with 2,299 originations. The 2nd most popular length was 15 Year, with 215 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,386 $522,330,000 $376,861
    $<1k 668 $259,860,000 $389,012
    $2k-3k 151 $58,085,000 $384,669
    $5k+ 140 $67,350,000 $481,071
    $3k-4k 100 $37,920,000 $379,200
    $4k-5k 76 $28,130,000 $370,132

    Capital Bank's average total fees were $5,415, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,386 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,179 $458,475,000 $388,868
    <2.5% 765 $292,835,000 $382,791
    3-4% 694 $264,980,000 $381,816
    4-5% 58 $57,570,000 $992,586

    During 2021, Capital Bank's average interest rate for loans was 2.87%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,179 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,311 $391,585,000 $298,692 $4,818 2.84%
    $400k-600k 727 $355,785,000 $489,388 $5,514 2.77%
    $100k-200k 331 $52,415,000 $158,353 $3,541 2.92%
    $600k-1MM 256 $187,440,000 $732,188 $7,295 2.95%
    $1MM+ 45 $84,525,000 $1,878,333 $12,116 3.32%
    $100,000 or less 26 $2,110,000 $81,154 $3,929 3.10%

    2021 saw Capital Bank place emphasis on $200k-400k loans with 1,311 originations, totaling $391,585,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 561 $208,115,000 $370,971 $5,035 2.90%
    $150k-250k 537 $244,295,000 $454,926 $5,364 2.88%
    $75k-100k 366 $116,390,000 $318,005 $5,630 2.92%
    $50k-75k 345 $90,445,000 $262,159 $6,127 2.97%
    $250k+ 322 $180,750,000 $561,335 $5,775 2.88%
    $50k or less 142 $28,940,000 $203,803 $5,516 3.01%

    Capital Bank lent most frequently to those with incomes in the $100k-150k range, with 561 originations. The second most popular income band? $150k-250k, with 537 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 577 $229,645,000 $397,998 $4,662 2.87%
    30-36% 417 $168,555,000 $404,209 $5,122 2.93%
    <20% 230 $81,030,000 $352,304 $3,991 2.75%
    44% 103 $36,765,000 $356,942 $7,857 3.13%
    42% 101 $39,325,000 $389,356 $6,752 2.95%
    40% 92 $32,930,000 $357,935 $6,031 3.03%
    38% 82 $32,790,000 $399,878 $5,786 2.94%
    43% 81 $28,185,000 $347,963 $6,462 3.01%
    36% 79 $29,435,000 $372,595 $5,562 2.94%
    49% 76 $28,940,000 $380,789 $7,558 2.90%
    39% 74 $29,350,000 $396,622 $5,471 2.92%
    37% 72 $28,590,000 $397,083 $5,362 2.88%
    45% 71 $23,795,000 $335,141 $6,227 2.97%
    41% 71 $27,315,000 $384,718 $6,047 2.93%
    46% 61 $22,125,000 $362,705 $7,593 2.86%
    48% 60 $19,980,000 $333,000 $6,114 2.84%
    47% 54 $20,870,000 $386,481 $6,732 2.93%
    50-60% 3 $1,345,000 $448,333 $17,975 3.33%
    >60% 1 $945,000 $945,000 $6,369 3.88%

    Capital Bank lent most frequently to those with DTI ratios of 20-30%, with 577 originations. The next most common DTI ratio? 30-36%, with 417 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,758 $674,910,000 $383,908 $4,787 2.81%
    Not provided 444 $174,130,000 $392,185 $4,734 2.76%
    Black 339 $120,155,000 $354,440 $7,939 3.08%
    Not applicable 38 $56,750,000 $1,493,421 $0 4.24%
    Asian 94 $38,640,000 $411,064 $4,710 2.77%
    Asian Indian 6 $3,410,000 $568,333 $5,150 3.06%
    American Indian 7 $2,285,000 $326,429 $5,183 2.66%
    Native Hawaiian or Islander 2 $970,000 $485,000 $5,396 2.75%
    Other Pacific Islander 2 $900,000 $450,000 $1,968 3.50%
    Filipino 2 $810,000 $405,000 $3,431 2.25%
    Other Asian 3 $645,000 $215,000 $4,373 2.96%
    1 $255,000 $255,000 $2,496 2.63%

    Approval Rates

    Total approvals of all applications
    97.59%

    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
    76.26%

    Capital Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,696 $1,073,860,000 $398,316

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,696 $1,073,860,000 $398,316

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 118 $31,240,000 $264,746 $3,551 2.84%
    40-60% 440 $151,400,000 $344,091 $3,833 2.80%
    60-80% 990 $406,540,000 $410,646 $4,598 2.93%
    80-100% 906 $352,660,000 $389,249 $6,459 2.90%
    Over 100% 49 $60,385,000 $1,232,347 $18,577 2.95%
    Under 20% 18 $3,770,000 $209,444 $3,598 2.74%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CAPITAL CENTER LLC Conventional home mortgage 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 $259,552
    Capital Bank, National Association 1776 I Street, N.W. Washington, DC 20006 Full Service B&M $168,336
    Capital Bank, National Association 2275 Research Blvd. Rockville, MD 20850 Full Service B&M $1,412,853
    Capital Bank, National Association 6711 Columbia Gateway Dr, Suite 170 Columbia, MD 21046 Full Service B&M $82,759
    Capital Bank, National Association 890 Hendersonville Road Asheville, NC 28803 Full Service B&M $111

    For 2021, Capital Bank had 5 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $121,073
    Net interest income $115,057
    Total noninterest income $50,362
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $601
    Trading account gains and fees $0
    Additional Noninterest Income $49,761
    Pre-tax net operating income $52,483
    Securities gains (or losses, -) $165
    Income before extraordinary items $39,010
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $39,010
    Minority interest net income $0
    Net income $39,010
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $38,879

    Capital Bank's gross interest income from loans was $121,073,000.
    Capital Bank's net interest income from loans was $115,057,000.
    Capital Bank's fee based income from loans was $601,000.
    Capital Bank's net income from loans was $39,010,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,016
    Provision for credit losses $3,289
    Total noninterest expense $109,647
    Salaries and employee benefits $37,433
    Premises and equipment expense $4,218
    Additional noninterest expense $67,996
    Applicable income taxes $13,638
    Net charge-offs $1,613
    Cash dividends $6,500

    Capital Bank's interest expense for loans was $6,016,000.
    Capital Bank's payroll and benefits expense were $37,433,000.
    Capital Bank's property, plant and equipment expenses $4,218,000.

    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 3.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 3.0%
    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 $1,798,124
    Deposits held in domestic offices $1,798,124
    Deposits by Individuals, partnerships, and corporations $1,736,181
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $55,741
    Deposits by Commercial banks and other depository institutions in U.S. $6,201
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $890,030
    Demand deposits $890,030
    Nontransaction accounts $908,094
    Money market deposit accounts (MMDAs) $493,919
    Other savings deposits (excluding MMDAs) $236,525
    Total time deposits $177,650
    Total time and savings deposits $908,094
    Noninterest-bearing deposits $788,637
    Interest-bearing deposits $1,009,487
    Retail deposits $1,690,297
    IRAs and Keogh plan accounts $2,245
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,014,131
    Cash & Balances due from depository institutions $183,342
    Interest-bearing balances $140,428
    Total securities $184,700
    Federal funds sold & reverse repurchase $53
    Net loans and leases $1,583,097
    Loan and leases loss allowance $24,702
    Trading account assets $0
    Bank premises and fixed assets $3,255
    Other real estate owned $86
    Goodwill and other intangibles $0
    All other assets $59,598

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,014,131
    Total Liabilities $1,845,823
    Total deposits $1,798,124
    Interest-bearing deposits $1,009,487
    Deposits held in domestic offices $1,798,124
    % insured (estimated) $46
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $22,000
    Subordinated debt $0
    All other liabilities $25,699

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,583,097
    Loan and leases loss allowance $24,702
    Total loans and leases (domestic) $1,607,799
    All real estate loans $1,188,435
    Real estate loans in domestic offices $1,188,435
    Construction and development loans $235,540
    Residential 1-4 family construction $185,598
    Other construction, all land development and other land $49,942
    Loans secured by nonfarm nonresidential properties $539,849
    Nonfarm nonresidential secured by owner-occupied properties $302,560
    Commercial real estate & other non-farm, non-residential $237,289
    Multifamily residential real estate $72,351
    1-4 family residential loans $340,695
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $284,620
    To non-U.S. addressees $0
    Loans to individuals $134,510
    Credit card loans $133,702
    Related Plans $82
    Consumer Auto Loans $177
    Other loans to individuals $549
    All other loans & leases $234
    Loans to foreign governments and official institutions $0
    Other loans $234
    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 $1,583,097,000 of loans outstanding in 2021. $1,188,435,000 of loans were in real estate loans. $235,540,000 of loans were in development loans. $72,351,000 of loans were in multifamily mortgage loans. $340,695,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $133,702,000 of loans were in credit card loans. $177,000 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 223 $94,412 $423,372
    Nonfarm, nonresidential loans - <$100k 5 $81 $16,200
    Nonfarm, nonresidential loans - $100-250k 33 $4,841 $146,697
    Nonfarm, nonresidential loans - $250k-1MM 185 $89,490 $483,730
    Commercial & Industrial, US addressed loans - <$1MM 1,031 $123,639 $119,921
    Commercial & Industrial, US addressed loans - <$100k 631 $20,327 $32,214
    Commercial & Industrial, US addressed loans - $100-250k 211 $29,549 $140,043
    Commercial & Industrial, US addressed loans - $250k-1MM 189 $73,763 $390,280