Capital Bank Mortgage Rates, Fees & Info
HOUSTON, TXLEI: 549300E2M76Y41U4FC19
Tax ID: 74-1501536
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Mortgage Data
Review & Overview
Capital Bank is a smaller bank specializing in Home Purchase and Refi loans. Capital Bank has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Bay City, Huntsville, and Beaumont among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Capital Bank has an average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
56Origination Dollar Volume (All Markets)
$22,100,000Top 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 |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 53 | $20,495,000 | $386,698 | $0 | 0.00% |
| Bay City, TX (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $0 | 0.00% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 0.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 56 | $22,100,000 | $394,643 | $0 | 0.00% |
For 2024, Capital Bank's most frequently originated type of loan was Conventional, with 56 originations.
Loan Reason
For 2024, Capital Bank's most frequently cited loan purpose was Home Purchase, with 18 originations. The 2nd most popular reason was Refi, with 16 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 56 | $22,100,000 | $394,643 | $0 | 0.00% |
For 2024, Capital Bank's most frequently cited loan duration was Other, with 56 originations.
Loan Sizing
2024 saw Capital Bank place emphasis on $200k-400k loans with 19 originations, totaling $5,455,000 in origination value.
Applicant Income
Capital Bank lent most frequently to those with incomes in the $250k+ range, with 11 originations. The second most popular income band? $100k-150k, with 9 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 56 | $22,100,000 | $394,643 | $0 | 0.00% |
Capital Bank lent most frequently to those with DTI ratios of Exempt%, with 56 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.17%
Capital Bank has a below average approval rate.
Pick Rate
Approvals leading to origination98.21%
Capital Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 56 | $22,100,000 | $394,643 |