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

Washington, DC

LEI: 549300YUWQTVWWH3TM22

Tax ID: 53-0114960

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • 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 two markets are Washington and Charlottesville .

    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

    29

    Origination Dollar Volume (All Markets)

    $30,945,000

    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) 28 $28,980,000 $1,035,000 $0 0.00%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $1,965,000 $1,965,000 $0 0.00%
    The National Capital Bank Of Washington's top markets include Washington and Charlottesville among others.

    Their top states include:
  • District of Columbia (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 29 $30,945,000 $1,067,069 $0 0.00%

    For 2024, The National Capital Bank Of Washington's most frequently originated type of loan was Conventional, with 29 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 18 $22,880,000 $1,271,111 $0 0.00%
    Refi 9 $7,405,000 $822,778 $0 0.00%
    Home Improvement 2 $660,000 $330,000 $0 0.00%

    For 2024, The National Capital Bank Of Washington's most frequently cited loan purpose was Home Purchase, with 18 originations. The 2nd most popular reason was Refi, with 9 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 29 $30,945,000 $1,067,069 $0 0.00%

    For 2024, The National Capital Bank Of Washington's most frequently cited loan duration was Other, with 29 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 8 $2,420,000 $302,500 $0 0.00%
    $1MM+ 7 $21,465,000 $3,066,429 $0 0.00%
    $400k-600k 6 $3,000,000 $500,000 $0 0.00%
    $600k-1MM 5 $3,725,000 $745,000 $0 0.00%
    $100k-200k 2 $310,000 $155,000 $0 0.00%
    $100,000 or less 1 $25,000 $25,000 $0 0.00%

    2024 saw The National Capital Bank Of Washington place emphasis on $200k-400k loans with 8 originations, totaling $2,420,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 7 $4,365,000 $623,571 $0 0.00%
    $150k-250k 5 $2,315,000 $463,000 $0 0.00%
    $100k-150k 3 $725,000 $241,667 $0 0.00%
    $75k-100k 1 $335,000 $335,000 $0 0.00%

    The National Capital Bank Of Washington lent most frequently to those with incomes in the $250k+ range, with 7 originations. The second most popular income band? $150k-250k, with 5 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 29 $30,945,000 $1,067,069 $0 0.00%

    The National Capital Bank Of Washington lent most frequently to those with DTI ratios of Exempt%, with 29 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 13 $23,205,000 $1,785,000 $0 0.00%
    Not provided 6 $3,390,000 $565,000 $0 0.00%
    White 5 $2,655,000 $531,000 $0 0.00%
    Black 5 $1,695,000 $339,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    100.00%

    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
    82.76%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 29 $30,945,000 $1,067,069

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    29 $30,945,000 $1,067,069