The National Capital Bank Of Washington Mortgage Rates, Fees & Info

Washington, DC

LEI: 549300YUWQTVWWH3TM22

Tax ID: 53-0114960

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

The National Capital Bank Of Washington is a smaller bank specializing in Home Purchase and Refi loans. The National Capital Bank Of Washington has a high proportion of conventional loans. Their top markets by origination volume include: Washington, Baltimore, Charleston, Salisbury, and Virginia Beach among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)

The National Capital Bank Of Washington 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.

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Originations

60

Origination Dollar Volume (All Markets)

$53,550,000

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) 47 $49,515,000 $1,053,511 $0 0.00%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 6 $1,260,000 $210,000 $0 0.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $1,210,000 $605,000 $0 0.00%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $1,170,000 $585,000 $0 0.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $230,000 $115,000 $0 0.00%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
The National Capital Bank Of Washington's top markets include Washington, Baltimore, Charleston, Salisbury, and Virginia Beach among others.

Their top states include:
  • District of Columbia (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 60 $53,550,000 $892,500 $0 0.00%

    For 2023, The National Capital Bank Of Washington's most frequently originated type of loan was Conventional, with 60 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 26 $18,720,000 $720,000 $0 0.00%
    Refi 26 $27,720,000 $1,066,154 $0 0.00%
    Home Improvement 7 $6,905,000 $986,429 $0 0.00%
    Other 1 $205,000 $205,000 $0 0.00%

    For 2023, The National Capital Bank Of Washington's most frequently cited loan purpose was Home Purchase, with 26 originations. The 2nd most popular reason was Refi, with 26 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 60 $53,550,000 $892,500 $0 0.00%

    For 2023, The National Capital Bank Of Washington's most frequently cited loan duration was Other, with 60 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 16 $36,050,000 $2,253,125 $0 0.00%
    $200k-400k 15 $4,415,000 $294,333 $0 0.00%
    $400k-600k 12 $5,820,000 $485,000 $0 0.00%
    $100k-200k 8 $1,380,000 $172,500 $0 0.00%
    $600k-1MM 8 $5,790,000 $723,750 $0 0.00%
    $100,000 or less 1 $95,000 $95,000 $0 0.00%

    2023 saw The National Capital Bank Of Washington place emphasis on $1MM+ loans with 16 originations, totaling $36,050,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 17 $11,875,000 $698,529 $0 0.00%
    $100k-150k 6 $1,810,000 $301,667 $0 0.00%
    $150k-250k 6 $2,930,000 $488,333 $0 0.00%
    $75k-100k 4 $1,360,000 $340,000 $0 0.00%
    $50k-75k 2 $630,000 $315,000 $0 0.00%
    $50k or less 1 $195,000 $195,000 $0 0.00%

    The National Capital Bank Of Washington lent most frequently to those with incomes in the $250k+ range, with 17 originations. The second most popular income band? $100k-150k, with 6 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 60 $53,550,000 $892,500 $0 0.00%

    The National Capital Bank Of Washington lent most frequently to those with DTI ratios of Exempt%, with 60 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 24 $34,750,000 $1,447,917 $0 0.00%
    White 19 $9,025,000 $475,000 $0 0.00%
    Black 10 $7,250,000 $725,000 $0 0.00%
    Not provided 5 $1,895,000 $379,000 $0 0.00%
    Asian Indian 1 $435,000 $435,000 $0 0.00%
    Asian 1 $195,000 $195,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    95.83%

    The National Capital Bank Of Washington 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
    85.00%

    The National Capital Bank Of Washington has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 60 $53,550,000 $892,500

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    60 $53,550,000 $892,500