Capital Bank, N.A. Mortgage Lending & HMDA Data, 2020

In 2020, Capital Bank, N.A. of Rockville, MD reported 4,852 mortgage applications totaling $1.8 billion, up 96% from 2019. The average application was for $375,910, and applicants reported an average income of $156,689. 74% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,434), Baltimore-Columbia-Towson, MD (587) and Salisbury, MD-DE (501) (applications in parentheses).

Mortgage Company & Address Capital Bank, N.A.
One Church St Suite 300
Rockville, MD 20850
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 4,852
Total Mortgage Loan Application Amount $1,823,920,000
Average Mortgage Loan Application Amount $375,910
Highest Mortgage Loan Application Amount $8,055,000
Average Applicant Income $156,689
Highest Applicant Income $3,135,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capital Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Capital Bank, N.A. by County in 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
District of Columbia, District Of Columbia 492 $ 219,520,000 $ 446,178 $ 141,000
Sussex, Delaware 469 $ 175,825,000 $ 374,893 $ 184,000
Fairfax, Virginia 296 $ 139,310,000 $ 470,641 $ 169,000
Montgomery, Maryland 268 $ 125,290,000 $ 467,500 $ 197,000
Prince George's, Maryland 178 $ 66,180,000 $ 371,797 $ 122,000
Kent, Delaware 142 $ 35,710,000 $ 251,478 $ 88,000
Anne Arundel, Maryland 142 $ 55,320,000 $ 389,577 $ 175,000
Baltimore, Maryland 141 $ 39,345,000 $ 279,042 $ 137,000
Harford, Maryland 140 $ 44,500,000 $ 317,857 $ 129,000
Prince William, Virginia 136 $ 56,460,000 $ 415,147 $ 143,000
Loudoun, Virginia 111 $ 52,745,000 $ 475,180 $ 203,000
Wake, North Carolina 89 $ 31,475,000 $ 353,651 $ 134,000
Baltimore City, Maryland 62 $ 18,790,000 $ 303,064 $ 132,000
Howard, Maryland 60 $ 26,070,000 $ 434,500 $ 171,000
New Castle, Delaware 58 $ 15,430,000 $ 266,034 $ 140,000
Frederick, Maryland 47 $ 17,375,000 $ 369,680 $ 139,000
Alexandria, Virginia 44 $ 23,660,000 $ 537,727 $ 178,000
Orange, Florida 40 $ 11,060,000 $ 276,500 $ 93,000
Arlington, Virginia 38 $ 18,790,000 $ 494,473 $ 208,000
Carroll, Maryland 35 $ 13,775,000 $ 393,571 $ 139,000
Worcester, Maryland 27 $ 6,845,000 $ 253,518 $ 135,000
Maricopa, Arizona 26 $ 9,600,000 $ 369,230 $ 121,000
Charles, Maryland 25 $ 8,245,000 $ 329,800 $ 90,000
Clark, Nevada 25 $ 9,295,000 $ 371,800 $ 116,000
Los Angeles, California 23 $ 11,745,000 $ 510,652 $ 183,000
San Diego, California 22 $ 11,800,000 $ 536,363 $ 185,000
Fauquier, Virginia 22 $ 10,260,000 $ 466,363 $ 130,000
Stafford, Virginia 22 $ 9,040,000 $ 410,909 $ 106,000
Middlesex, Massachusetts 21 $ 9,035,000 $ 430,238 $ 123,000
Calvert, Maryland 20 $ 7,950,000 $ 397,500 $ 143,000
Montgomery, Pennsylvania 20 $ 5,630,000 $ 281,500 $ 124,000
El Paso, Colorado 18 $ 7,550,000 $ 419,444 $ 136,000
Virginia Beach, Virginia 18 $ 6,110,000 $ 339,444 $ 141,000
Seminole, Florida 16 $ 4,740,000 $ 296,250 $ 147,000
Norfolk, Massachusetts 16 $ 6,900,000 $ 431,250 $ 171,000
Bexar, Texas 16 $ 4,850,000 $ 303,125 $ 133,000
Hillsborough, Florida 15 $ 4,715,000 $ 314,333 $ 93,000
Cook, Illinois 14 $ 4,790,000 $ 342,142 $ 172,000
Pinellas, Florida 13 $ 4,125,000 $ 317,307 $ 154,000
Tarrant, Texas 13 $ 4,735,000 $ 364,230 $ 126,000
Chesterfield, Virginia 13 $ 4,775,000 $ 367,307 $ 121,000
Jackson, Missouri 12 $ 3,900,000 $ 325,000 $ 106,000
Monmouth, New Jersey 12 $ 5,010,000 $ 417,500 $ 175,000
Chester, Pennsylvania 12 $ 4,510,000 $ 375,833 $ 211,000
York, Pennsylvania 12 $ 3,560,000 $ 296,666 $ 94,000
Spotsylvania, Virginia 12 $ 3,870,000 $ 322,500 $ 135,000
Riverside, California 11 $ 4,325,000 $ 393,181 $ 120,000
Brevard, Florida 11 $ 3,075,000 $ 279,545 $ 133,000
Cecil, Maryland 11 $ 2,965,000 $ 269,545 $ 103,000
Frederick, Virginia 11 $ 3,285,000 $ 298,636 $ 136,000
Pierce, Washington 11 $ 3,885,000 $ 353,181 $ 116,000
Broward, Florida 10 $ 2,730,000 $ 273,000 $ 127,000
Duval, Florida 10 $ 2,250,000 $ 225,000 $ 63,000
Talbot, Maryland 10 $ 3,790,000 $ 379,000 $ 191,000
Washington, Maryland 10 $ 2,510,000 $ 251,000 $ 113,000
Philadelphia, Pennsylvania 10 $ 3,000,000 $ 300,000 $ 174,000
Charleston, South Carolina 10 $ 4,070,000 $ 407,000 $ 175,000
Collin, Texas 10 $ 3,220,000 $ 322,000 $ 116,000
Salt Lake, Utah 10 $ 4,490,000 $ 449,000 $ 103,000
King, Washington 10 $ 5,110,000 $ 511,000 $ 222,000
Arapahoe, Colorado 9 $ 3,945,000 $ 438,333 $ 336,000
Larimer, Colorado 9 $ 4,565,000 $ 507,222 $ 152,000
Miami-Dade, Florida 9 $ 3,145,000 $ 349,444 $ 73,000
Okaloosa, Florida 9 $ 3,805,000 $ 422,777 $ 260,000
Pasco, Florida 9 $ 2,855,000 $ 317,222 $ 86,000
Hennepin, Minnesota 9 $ 3,125,000 $ 347,222 $ 108,000
Harris, Texas 9 $ 2,475,000 $ 275,000 $ 49,000
Orange, California 8 $ 4,670,000 $ 583,750 $ 156,000
Fairfield, Connecticut 8 $ 3,000,000 $ 375,000 $ 165,000
Osceola, Florida 8 $ 1,920,000 $ 240,000 $ 59,000
Volusia, Florida 8 $ 2,180,000 $ 272,500 $ 103,000
Cobb, Georgia 8 $ 2,900,000 $ 362,500 $ 98,000
Fulton, Georgia 8 $ 2,570,000 $ 321,250 $ 174,000
Queen Anne's, Maryland 8 $ 2,170,000 $ 271,250 $ 134,000
Mecklenburg, North Carolina 8 $ 2,450,000 $ 306,250 $ 153,000
Delaware, Pennsylvania 8 $ 1,320,000 $ 165,000 $ 209,000
Lancaster, Pennsylvania 8 $ 2,250,000 $ 281,250 $ 166,000
Greenville, South Carolina 8 $ 2,660,000 $ 332,500 $ 160,000
Horry, South Carolina 8 $ 2,030,000 $ 253,750 $ 170,000
Montgomery, Texas 8 $ 2,920,000 $ 365,000 $ 168,000
Chesapeake, Virginia 8 $ 2,550,000 $ 318,750 $ 114,000
Hanover, Virginia 8 $ 3,150,000 $ 393,750 $ 148,000
Yavapai, Arizona 7 $ 2,125,000 $ 303,571 $ 55,000
Sacramento, California 7 $ 2,395,000 $ 342,142 $ 130,000
Lake, Florida 7 $ 1,745,000 $ 249,285 $ 110,000
St. Mary's, Maryland 7 $ 2,575,000 $ 367,857 $ 102,000
Plymouth, Massachusetts 7 $ 3,465,000 $ 495,000 $ 168,000
Suffolk, Massachusetts 7 $ 3,625,000 $ 517,857 $ 153,000
Washoe, Nevada 7 $ 2,705,000 $ 386,428 $ 124,000
Bergen, New Jersey 7 $ 2,705,000 $ 386,428 $ 152,000
York, South Carolina 7 $ 3,365,000 $ 480,714 $ 181,000
Travis, Texas 7 $ 3,515,000 $ 502,142 $ 257,000
Williamson, Texas 7 $ 2,235,000 $ 319,285 $ 137,000
Culpeper, Virginia 7 $ 2,525,000 $ 360,714 $ 110,000
Fairfax City, Virginia 7 $ 3,025,000 $ 432,142 $ 130,000
Richmond City, Virginia 7 $ 2,165,000 $ 309,285 $ 162,000
Warren, Virginia 7 $ 1,745,000 $ 249,285 $ 93,000
Pima, Arizona 6 $ 1,390,000 $ 231,666 $ 62,000
Contra Costa, California 6 $ 3,010,000 $ 501,666 $ 182,000
Jefferson, Colorado 6 $ 2,950,000 $ 491,666 $ 90,000
Collier, Florida 6 $ 2,070,000 $ 345,000 $ 98,000
Palm Beach, Florida 6 $ 1,870,000 $ 311,666 $ 127,000
Polk, Florida 6 $ 2,230,000 $ 371,666 $ 188,000
Caroline, Maryland 6 $ 1,440,000 $ 240,000 $ 61,000
Worcester, Massachusetts 6 $ 2,990,000 $ 498,333 $ 275,000
Rockingham, New Hampshire 6 $ 2,680,000 $ 446,666 $ 135,000
Bernalillo, New Mexico 6 $ 1,660,000 $ 276,666 $ 146,000
Union, North Carolina 6 $ 2,090,000 $ 348,333 $ 136,000
Lucas, Ohio 6 $ 1,790,000 $ 298,333 $ 126,000
Marion, Oregon 6 $ 1,560,000 $ 260,000 $ 91,000
Allegheny, Pennsylvania 6 $ 2,470,000 $ 411,666 $ 179,000
Cumberland, Pennsylvania 6 $ 1,350,000 $ 225,000 $ 177,000
Davidson, Tennessee 6 $ 2,230,000 $ 371,666 $ 150,000
Williamson, Tennessee 6 $ 3,530,000 $ 588,333 $ 150,000
Denton, Texas 6 $ 1,970,000 $ 328,333 $ 130,000
Henrico, Virginia 6 $ 2,340,000 $ 390,000 $ 97,000
Berkeley, West Virginia 6 $ 2,100,000 $ 350,000 $ 70,000
Cochise, Arizona 5 $ 965,000 $ 193,000 $ 73,000
Pinal, Arizona 5 $ 1,375,000 $ 275,000 $ 105,000
Alameda, California 5 $ 1,935,000 $ 387,000 $ 193,000
Monterey, California 5 $ 3,385,000 $ 677,000 $ 295,000
San Bernardino, California 5 $ 1,775,000 $ 355,000 $ 97,000
Santa Clara, California 5 $ 3,275,000 $ 655,000 $ 280,000
Hartford, Connecticut 5 $ 1,045,000 $ 209,000 $ 69,000
Santa Rosa, Florida 5 $ 1,515,000 $ 303,000 $ 119,000
St. Johns, Florida 5 $ 1,995,000 $ 399,000 $ 151,000
Columbia, Georgia 5 $ 1,155,000 $ 231,000 $ 79,000
St. Clair, Illinois 5 $ 1,255,000 $ 251,000 $ 0
Wicomico, Maryland 5 $ 785,000 $ 157,000 $ 48,000
Clay, Missouri 5 $ 1,915,000 $ 383,000 $ 169,000
Essex, New Jersey 5 $ 2,585,000 $ 517,000 $ 219,000
Morris, New Jersey 5 $ 2,065,000 $ 413,000 $ 182,000
Ocean, New Jersey 5 $ 2,275,000 $ 455,000 $ 193,000
Nassau, New York 5 $ 1,975,000 $ 395,000 $ 216,000
Brunswick, North Carolina 5 $ 1,755,000 $ 351,000 $ 111,000
Durham, North Carolina 5 $ 1,505,000 $ 301,000 $ 82,000
Orange, North Carolina 5 $ 2,325,000 $ 465,000 $ 132,000
Oklahoma, Oklahoma 5 $ 1,475,000 $ 295,000 $ 75,000
Franklin, Pennsylvania 5 $ 1,435,000 $ 287,000 $ 71,000
Falls Church, Virginia 5 $ 2,625,000 $ 525,000 $ 282,000
Charlotte, Florida 4 $ 920,000 $ 230,000 $ 56,000
Clay, Florida 4 $ 960,000 $ 240,000 $ 94,000
Lee, Florida 4 $ 1,350,000 $ 337,500 $ 183,000
Manatee, Florida 4 $ 1,290,000 $ 322,500 $ 223,000
Sarasota, Florida 4 $ 1,280,000 $ 320,000 $ 134,000
Chatham, Georgia 4 $ 1,240,000 $ 310,000 $ 149,000
Honolulu, Hawaii 4 $ 2,290,000 $ 572,500 $ 241,000
Ada, Idaho 4 $ 1,150,000 $ 287,500 $ 111,000
Hamilton, Indiana 4 $ 1,500,000 $ 375,000 $ 197,000
Cumberland, Maine 4 $ 1,510,000 $ 377,500 $ 129,000
Essex, Massachusetts 4 $ 1,880,000 $ 470,000 $ 226,000
Dakota, Minnesota 4 $ 1,070,000 $ 267,500 $ 109,000
St. Charles, Missouri 4 $ 1,540,000 $ 385,000 $ 98,000
St. Louis, Missouri 4 $ 1,460,000 $ 365,000 $ 216,000
Hillsborough, New Hampshire 4 $ 1,480,000 $ 370,000 $ 154,000
Middlesex, New Jersey 4 $ 1,440,000 $ 360,000 $ 270,000
Moore, North Carolina 4 $ 1,000,000 $ 250,000 $ 0
New Hanover, North Carolina 4 $ 1,160,000 $ 290,000 $ 147,000
Franklin, Ohio 4 $ 880,000 $ 220,000 $ 73,000
Clackamas, Oregon 4 $ 2,060,000 $ 515,000 $ 165,000
Anderson, South Carolina 4 $ 1,240,000 $ 310,000 $ 0
Sumner, Tennessee 4 $ 1,150,000 $ 287,500 $ 79,000
Washington, Utah 4 $ 1,250,000 $ 312,500 $ 100,000
Norfolk, Virginia 4 $ 770,000 $ 192,500 $ 59,000
Morgan, West Virginia 4 $ 460,000 $ 115,000 $ 0
Crenshaw, Alabama 3 $ 865,000 $ 288,333 $ 87,000
Lee, Alabama 3 $ 625,000 $ 208,333 $ 71,000
Madison, Alabama 3 $ 1,085,000 $ 361,666 $ 220,000
Pulaski, Arkansas 3 $ 495,000 $ 165,000 $ 0
San Benito, California 3 $ 1,365,000 $ 455,000 $ 0
Santa Cruz, California 3 $ 1,425,000 $ 475,000 $ 94,000
Ventura, California 3 $ 1,335,000 $ 445,000 $ 98,000
Boulder, Colorado 3 $ 1,655,000 $ 551,666 $ 152,000
Litchfield, Connecticut 3 $ 755,000 $ 251,666 $ 143,000
New London, Connecticut 3 $ 1,095,000 $ 365,000 $ 177,000
Tolland, Connecticut 3 $ 845,000 $ 281,666 $ 223,000
Flagler, Florida 3 $ 1,065,000 $ 355,000 $ 179,000
DeKalb, Georgia 3 $ 755,000 $ 251,666 $ 103,000
Fayette, Georgia 3 $ 1,065,000 $ 355,000 $ 135,000
Forsyth, Georgia 3 $ 795,000 $ 265,000 $ 205,000
Gwinnett, Georgia 3 $ 905,000 $ 301,666 $ 45,000
Hall, Georgia 3 $ 1,325,000 $ 441,666 $ 0
Houston, Georgia 3 $ 515,000 $ 171,666 $ 41,000
Lake, Illinois 3 $ 985,000 $ 328,333 $ 161,000
Porter, Indiana 3 $ 945,000 $ 315,000 $ 78,000
Boone, Kentucky 3 $ 685,000 $ 228,333 $ 0
Penobscot, Maine 3 $ 965,000 $ 321,666 $ 138,000
Kent, Maryland 3 $ 1,085,000 $ 361,666 $ 148,000
Bristol, Massachusetts 3 $ 995,000 $ 331,666 $ 94,000
Monroe, Michigan 3 $ 745,000 $ 248,333 $ 163,000
Anoka, Minnesota 3 $ 905,000 $ 301,666 $ 82,000
Ramsey, Minnesota 3 $ 895,000 $ 298,333 $ 119,000
Douglas, Nebraska 3 $ 645,000 $ 215,000 $ 148,000
Burlington, New Jersey 3 $ 1,025,000 $ 341,666 $ 272,000
Cape May, New Jersey 3 $ 585,000 $ 195,000 $ 108,000
Somerset, New Jersey 3 $ 1,365,000 $ 455,000 $ 217,000
Carteret, North Carolina 3 $ 955,000 $ 318,333 $ 166,000
Craven, North Carolina 3 $ 635,000 $ 211,666 $ 129,000
Cumberland, North Carolina 3 $ 545,000 $ 181,666 $ 0
Harnett, North Carolina 3 $ 835,000 $ 278,333 $ 0
Iredell, North Carolina 3 $ 975,000 $ 325,000 $ 73,000
Onslow, North Carolina 3 $ 895,000 $ 298,333 $ 248,000
Butler, Ohio 3 $ 1,245,000 $ 415,000 $ 185,000
Delaware, Ohio 3 $ 845,000 $ 281,666 $ 84,000
Cleveland, Oklahoma 3 $ 785,000 $ 261,666 $ 104,000
Douglas, Oregon 3 $ 805,000 $ 268,333 $ 52,000
Washington, Oregon 3 $ 1,155,000 $ 385,000 $ 49,000
Bucks, Pennsylvania 3 $ 1,015,000 $ 338,333 $ 90,000
Beaufort, South Carolina 3 $ 1,045,000 $ 348,333 $ 126,000
Dorchester, South Carolina 3 $ 785,000 $ 261,666 $ 71,000
Bedford, Tennessee 3 $ 1,235,000 $ 411,666 $ 195,000
El Paso, Texas 3 $ 585,000 $ 195,000 $ 89,000
Albemarle, Virginia 3 $ 1,785,000 $ 595,000 $ 192,000
Fredericksburg, Virginia 3 $ 1,065,000 $ 355,000 $ 122,000
James City, Virginia 3 $ 1,335,000 $ 445,000 $ 191,000
Louisa, Virginia 3 $ 1,195,000 $ 398,333 $ 167,000
Manassas, Virginia 3 $ 845,000 $ 281,666 $ 100,000
Orange, Virginia 3 $ 915,000 $ 305,000 $ 151,000
Shenandoah, Virginia 3 $ 375,000 $ 125,000 $ 58,000
Suffolk, Virginia 3 $ 1,095,000 $ 365,000 $ 0
Kitsap, Washington 3 $ 875,000 $ 291,666 $ 513,000
Snohomish, Washington 3 $ 1,195,000 $ 398,333 $ 85,000
Jefferson, West Virginia 3 $ 995,000 $ 331,666 $ 135,000
Waukesha, Wisconsin 3 $ 1,165,000 $ 388,333 $ 0
Laramie, Wyoming 3 $ 1,095,000 $ 365,000 $ 143,000
Montgomery, Alabama 2 $ 710,000 $ 355,000 $ 0
Mohave, Arizona 2 $ 560,000 $ 280,000 $ 60,000
El Dorado, California 2 $ 790,000 $ 395,000 $ 169,000
Placer, California 2 $ 960,000 $ 480,000 $ 161,000
San Joaquin, California 2 $ 990,000 $ 495,000 $ 139,000
Solano, California 2 $ 1,010,000 $ 505,000 $ 187,000
Chaffee, Colorado 2 $ 1,030,000 $ 515,000 $ 142,000
Denver, Colorado 2 $ 850,000 $ 425,000 $ 151,000
Douglas, Colorado 2 $ 1,010,000 $ 505,000 $ 411,000
Eagle, Colorado 2 $ 1,600,000 $ 800,000 $ 214,000
Alachua, Florida 2 $ 630,000 $ 315,000 $ 120,000
Bay, Florida 2 $ 700,000 $ 350,000 $ 0
Indian River, Florida 2 $ 660,000 $ 330,000 $ 198,000
Martin, Florida 2 $ 440,000 $ 220,000 $ 90,000
Monroe, Florida 2 $ 900,000 $ 450,000 $ 126,000
Sumter, Florida 2 $ 460,000 $ 230,000 $ 64,000
Walton, Florida 2 $ 1,110,000 $ 555,000 $ 148,000
Cherokee, Georgia 2 $ 510,000 $ 255,000 $ 0
Coweta, Georgia 2 $ 570,000 $ 285,000 $ 0
Gilmer, Georgia 2 $ 540,000 $ 270,000 $ 47,000
McDuffie, Georgia 2 $ 630,000 $ 315,000 $ 106,000
Kootenai, Idaho 2 $ 730,000 $ 365,000 $ 82,000
DuPage, Illinois 2 $ 580,000 $ 290,000 $ 192,000
Madison, Indiana 2 $ 410,000 $ 205,000 $ 80,000
Polk, Iowa 2 $ 420,000 $ 210,000 $ 64,000
Johnson, Kansas 2 $ 540,000 $ 270,000 $ 84,000
Sedgwick, Kansas 2 $ 660,000 $ 330,000 $ 164,000
Hardin, Kentucky 2 $ 470,000 $ 235,000 $ 126,000
Bossier, Louisiana 2 $ 450,000 $ 225,000 $ 0
Jefferson, Louisiana 2 $ 690,000 $ 345,000 $ 145,000
Orleans, Louisiana 2 $ 1,000,000 $ 500,000 $ 83,000
Somerset, Maine 2 $ 330,000 $ 165,000 $ 112,000
Garrett, Maryland 2 $ 720,000 $ 360,000 $ 173,000
Barnstable, Massachusetts 2 $ 590,000 $ 295,000 $ 272,000
Hampden, Massachusetts 2 $ 490,000 $ 245,000 $ 117,000
Kent, Michigan 2 $ 490,000 $ 245,000 $ 132,000
St. Clair, Michigan 2 $ 550,000 $ 275,000 $ 324,000
Wayne, Michigan 2 $ 340,000 $ 170,000 $ 101,000
Washington, Minnesota 2 $ 790,000 $ 395,000 $ 102,000
Cass, Missouri 2 $ 840,000 $ 420,000 $ 204,000
St. Louis City, Missouri 2 $ 520,000 $ 260,000 $ 81,000
Lewis and Clark, Montana 2 $ 650,000 $ 325,000 $ 0
Nye, Nevada 2 $ 440,000 $ 220,000 $ 83,000
Mercer, New Jersey 2 $ 670,000 $ 335,000 $ 130,000
Union, New Jersey 2 $ 700,000 $ 350,000 $ 347,000
Curry, New Mexico 2 $ 340,000 $ 170,000 $ 0
Los Alamos, New Mexico 2 $ 850,000 $ 425,000 $ 0
Sandoval, New Mexico 2 $ 810,000 $ 405,000 $ 0
Santa Fe, New Mexico 2 $ 700,000 $ 350,000 $ 0
Albany, New York 2 $ 440,000 $ 220,000 $ 68,000
Queens, New York 2 $ 1,390,000 $ 695,000 $ 168,000
Alamance, North Carolina 2 $ 340,000 $ 170,000 $ 0
Buncombe, North Carolina 2 $ 690,000 $ 345,000 $ 263,000
Cabarrus, North Carolina 2 $ 880,000 $ 440,000 $ 132,000
Chatham, North Carolina 2 $ 470,000 $ 235,000 $ 82,000
Dare, North Carolina 2 $ 470,000 $ 235,000 $ 149,000
Granville, North Carolina 2 $ 780,000 $ 390,000 $ 177,000
Pitt, North Carolina 2 $ 510,000 $ 255,000 $ 178,000
Columbiana, Ohio 2 $ 630,000 $ 315,000 $ 0
Hamilton, Ohio 2 $ 720,000 $ 360,000 $ 177,000
Lorain, Ohio 2 $ 490,000 $ 245,000 $ 80,000
Warren, Ohio 2 $ 620,000 $ 310,000 $ 132,000
Comanche, Oklahoma 2 $ 350,000 $ 175,000 $ 0
Jackson, Oregon 2 $ 490,000 $ 245,000 $ 151,000
Berks, Pennsylvania 2 $ 420,000 $ 210,000 $ 0
Centre, Pennsylvania 2 $ 380,000 $ 190,000 $ 135,000
Lackawanna, Pennsylvania 2 $ 480,000 $ 240,000 $ 114,000
Monroe, Pennsylvania 2 $ 370,000 $ 185,000 $ 332,000
Westmoreland, Pennsylvania 2 $ 570,000 $ 285,000 $ 141,000
Kershaw, South Carolina 2 $ 570,000 $ 285,000 $ 0
Lancaster, South Carolina 2 $ 600,000 $ 300,000 $ 0
Spartanburg, South Carolina 2 $ 700,000 $ 350,000 $ 122,000
Bradley, Tennessee 2 $ 590,000 $ 295,000 $ 68,000
Knox, Tennessee 2 $ 580,000 $ 290,000 $ 85,000
Bell, Texas 2 $ 450,000 $ 225,000 $ 0
Brazoria, Texas 2 $ 580,000 $ 290,000 $ 0
Comal, Texas 2 $ 720,000 $ 360,000 $ 134,000
Dallas, Texas 2 $ 860,000 $ 430,000 $ 0
Fort Bend, Texas 2 $ 530,000 $ 265,000 $ 126,000
Guadalupe, Texas 2 $ 540,000 $ 270,000 $ 0
Hidalgo, Texas 2 $ 450,000 $ 225,000 $ 0
Midland, Texas 2 $ 670,000 $ 335,000 $ 69,000
Washington, Vermont 2 $ 460,000 $ 230,000 $ 135,000
Augusta, Virginia 2 $ 540,000 $ 270,000 $ 99,000
Gloucester, Virginia 2 $ 460,000 $ 230,000 $ 0
Greene, Virginia 2 $ 730,000 $ 365,000 $ 238,000
Nelson, Virginia 2 $ 940,000 $ 470,000 $ 225,000
Northumberland, Virginia 2 $ 790,000 $ 395,000 $ 332,000
Roanoke, Virginia 2 $ 510,000 $ 255,000 $ 106,000
York, Virginia 2 $ 780,000 $ 390,000 $ 193,000
Clallam, Washington 2 $ 730,000 $ 365,000 $ 65,000
Clark, Washington 2 $ 430,000 $ 215,000 $ 60,000
Island, Washington 2 $ 510,000 $ 255,000 $ 56,000
Spokane, Washington 2 $ 670,000 $ 335,000 $ 60,000
Walla Walla, Washington 2 $ 490,000 $ 245,000 $ 183,000
Dane, Wisconsin 2 $ 660,000 $ 330,000 $ 129,000
Portage, Wisconsin 2 $ 740,000 $ 370,000 $ 68,000
Calhoun, Alabama 1 $ 295,000 $ 295,000 $ 0
Chambers, Alabama 1 $ 175,000 $ 175,000 $ 0
Dale, Alabama 1 $ 95,000 $ 95,000 $ 82,000
Geneva, Alabama 1 $ 225,000 $ 225,000 $ 77,000
Shelby, Alabama 1 $ 325,000 $ 325,000 $ 101,000
Tuscaloosa, Alabama 1 $ 185,000 $ 185,000 $ 74,000
Anchorage, Alaska 1 $ 545,000 $ 545,000 $ 175,000
Craighead, Arkansas 1 $ 255,000 $ 255,000 $ 121,000
Faulkner, Arkansas 1 $ 335,000 $ 335,000 $ 99,000
Madera, California 1 $ 295,000 $ 295,000 $ 76,000
Mendocino, California 1 $ 325,000 $ 325,000 $ 93,000
San Francisco, California 1 $ 195,000 $ 195,000 $ 204,000
San Luis Obispo, California 1 $ 555,000 $ 555,000 $ 0
San Mateo, California 1 $ 685,000 $ 685,000 $ 0
Santa Barbara, California 1 $ 175,000 $ 175,000 $ 0
Sonoma, California 1 $ 325,000 $ 325,000 $ 0
Stanislaus, California 1 $ 345,000 $ 345,000 $ 127,000
Yuba, California 1 $ 485,000 $ 485,000 $ 0
Mesa, Colorado 1 $ 695,000 $ 695,000 $ 0
Montezuma, Colorado 1 $ 255,000 $ 255,000 $ 71,000
Windham, Connecticut 1 $ 295,000 $ 295,000 $ 76,000
Citrus, Florida 1 $ 185,000 $ 185,000 $ 59,000
Escambia, Florida 1 $ 385,000 $ 385,000 $ 0
Hernando, Florida 1 $ 185,000 $ 185,000 $ 0
Highlands, Florida 1 $ 325,000 $ 325,000 $ 0
Leon, Florida 1 $ 155,000 $ 155,000 $ 0
Marion, Florida 1 $ 195,000 $ 195,000 $ 77,000
Nassau, Florida 1 $ 215,000 $ 215,000 $ 0
Okeechobee, Florida 1 $ 195,000 $ 195,000 $ 96,000
St. Lucie, Florida 1 $ 245,000 $ 245,000 $ 0
Bartow, Georgia 1 $ 165,000 $ 165,000 $ 0
Ben Hill, Georgia 1 $ 275,000 $ 275,000 $ 0
Bryan, Georgia 1 $ 235,000 $ 235,000 $ 0
Camden, Georgia 1 $ 205,000 $ 205,000 $ 47,000
Clarke, Georgia 1 $ 185,000 $ 185,000 $ 126,000
Dawson, Georgia 1 $ 235,000 $ 235,000 $ 0
Dougherty, Georgia 1 $ 755,000 $ 755,000 $ 241,000
Fannin, Georgia 1 $ 385,000 $ 385,000 $ 0
Harris, Georgia 1 $ 215,000 $ 215,000 $ 0
Henry, Georgia 1 $ 245,000 $ 245,000 $ 0
Jackson, Georgia 1 $ 275,000 $ 275,000 $ 0
Lee, Georgia 1 $ 295,000 $ 295,000 $ 0
Muscogee, Georgia 1 $ 245,000 $ 245,000 $ 0
Peach, Georgia 1 $ 255,000 $ 255,000 $ 81,000
Richmond, Georgia 1 $ 145,000 $ 145,000 $ 0
Rockdale, Georgia 1 $ 415,000 $ 415,000 $ 142,000
Spalding, Georgia 1 $ 75,000 $ 75,000 $ 225,000
Union, Georgia 1 $ 175,000 $ 175,000 $ 45,000
Walton, Georgia 1 $ 305,000 $ 305,000 $ 0
Hawaii, Hawaii 1 $ 575,000 $ 575,000 $ 0
Maui, Hawaii 1 $ 535,000 $ 535,000 $ 100,000
Bonner, Idaho 1 $ 285,000 $ 285,000 $ 54,000
Canyon, Idaho 1 $ 375,000 $ 375,000 $ 70,000
Latah, Idaho 1 $ 235,000 $ 235,000 $ 109,000
Madison, Idaho 1 $ 315,000 $ 315,000 $ 105,000
Owyhee, Idaho 1 $ 195,000 $ 195,000 $ 31,000
Payette, Idaho 1 $ 185,000 $ 185,000 $ 0
Twin Falls, Idaho 1 $ 275,000 $ 275,000 $ 0
Clinton, Illinois 1 $ 235,000 $ 235,000 $ 56,000
Ford, Illinois 1 $ 175,000 $ 175,000 $ 0
Madison, Illinois 1 $ 305,000 $ 305,000 $ 0
McHenry, Illinois 1 $ 295,000 $ 295,000 $ 0
McLean, Illinois 1 $ 225,000 $ 225,000 $ 305,000
Tazewell, Illinois 1 $ 425,000 $ 425,000 $ 0
Will, Illinois 1 $ 325,000 $ 325,000 $ 50,000
Winnebago, Illinois 1 $ 275,000 $ 275,000 $ 0
Boone, Indiana 1 $ 395,000 $ 395,000 $ 120,000
Hancock, Indiana 1 $ 205,000 $ 205,000 $ 0
Hendricks, Indiana 1 $ 205,000 $ 205,000 $ 0
Huntington, Indiana 1 $ 315,000 $ 315,000 $ 123,000
Lake, Indiana 1 $ 285,000 $ 285,000 $ 0
LaPorte, Indiana 1 $ 295,000 $ 295,000 $ 97,000
Marion, Indiana 1 $ 185,000 $ 185,000 $ 0
St. Joseph, Indiana 1 $ 275,000 $ 275,000 $ 174,000
Tippecanoe, Indiana 1 $ 155,000 $ 155,000 $ 0
Boone, Iowa 1 $ 245,000 $ 245,000 $ 196,000
Christian, Kentucky 1 $ 155,000 $ 155,000 $ 0
Fayette, Kentucky 1 $ 285,000 $ 285,000 $ 144,000
Jefferson, Kentucky 1 $ 85,000 $ 85,000 $ 0
Jessamine, Kentucky 1 $ 285,000 $ 285,000 $ 0
Madison, Kentucky 1 $ 145,000 $ 145,000 $ 73,000
Meade, Kentucky 1 $ 445,000 $ 445,000 $ 0
Ascension, Louisiana 1 $ 285,000 $ 285,000 $ 0
Beauregard, Louisiana 1 $ 175,000 $ 175,000 $ 0
Caddo, Louisiana 1 $ 265,000 $ 265,000 $ 156,000
East Baton Rouge, Louisiana 1 $ 195,000 $ 195,000 $ 0
Plaquemines, Louisiana 1 $ 295,000 $ 295,000 $ 0
St. Tammany, Louisiana 1 $ 305,000 $ 305,000 $ 0
Franklin, Maine 1 $ 215,000 $ 215,000 $ 89,000
Kennebec, Maine 1 $ 315,000 $ 315,000 $ 0
Washington, Maine 1 $ 195,000 $ 195,000 $ 301,000
Hampshire, Massachusetts 1 $ 525,000 $ 525,000 $ 193,000
Berrien, Michigan 1 $ 185,000 $ 185,000 $ 0
Branch, Michigan 1 $ 295,000 $ 295,000 $ 138,000
Kalamazoo, Michigan 1 $ 155,000 $ 155,000 $ 0
Lenawee, Michigan 1 $ 235,000 $ 235,000 $ 168,000
Livingston, Michigan 1 $ 255,000 $ 255,000 $ 94,000
Macomb, Michigan 1 $ 105,000 $ 105,000 $ 45,000
Montcalm, Michigan 1 $ 175,000 $ 175,000 $ 0
Ottawa, Michigan 1 $ 475,000 $ 475,000 $ 0
Washtenaw, Michigan 1 $ 515,000 $ 515,000 $ 178,000
Beltrami, Minnesota 1 $ 235,000 $ 235,000 $ 67,000
Carver, Minnesota 1 $ 265,000 $ 265,000 $ 0
Clay, Minnesota 1 $ 175,000 $ 175,000 $ 46,000
Hubbard, Minnesota 1 $ 185,000 $ 185,000 $ 0
Kandiyohi, Minnesota 1 $ 635,000 $ 635,000 $ 0
Meeker, Minnesota 1 $ 225,000 $ 225,000 $ 124,000
Sherburne, Minnesota 1 $ 365,000 $ 365,000 $ 225,000
Pearl River, Mississippi 1 $ 155,000 $ 155,000 $ 83,000
Pike, Mississippi 1 $ 65,000 $ 65,000 $ 163,000
Rankin, Mississippi 1 $ 245,000 $ 245,000 $ 68,000
Boone, Missouri 1 $ 65,000 $ 65,000 $ 208,000
Buchanan, Missouri 1 $ 425,000 $ 425,000 $ 0
Christian, Missouri 1 $ 145,000 $ 145,000 $ 40,000
Jefferson, Missouri 1 $ 125,000 $ 125,000 $ 0
Montgomery, Missouri 1 $ 435,000 $ 435,000 $ 139,000
Platte, Missouri 1 $ 395,000 $ 395,000 $ 0
Pulaski, Missouri 1 $ 125,000 $ 125,000 $ 178,000
St. Francois, Missouri 1 $ 215,000 $ 215,000 $ 155,000
Vernon, Missouri 1 $ 185,000 $ 185,000 $ 0
Cascade, Montana 1 $ 205,000 $ 205,000 $ 0
Flathead, Montana 1 $ 85,000 $ 85,000 $ 0
Silver Bow, Montana 1 $ 155,000 $ 155,000 $ 0
Lancaster, Nebraska 1 $ 555,000 $ 555,000 $ 0
Sarpy, Nebraska 1 $ 175,000 $ 175,000 $ 146,000
Washington, Nebraska 1 $ 245,000 $ 245,000 $ 1,037,000
Merrimack, New Hampshire 1 $ 315,000 $ 315,000 $ 0
Strafford, New Hampshire 1 $ 185,000 $ 185,000 $ 0
Gloucester, New Jersey 1 $ 295,000 $ 295,000 $ 312,000
Hudson, New Jersey 1 $ 375,000 $ 375,000 $ 425,000
Hunterdon, New Jersey 1 $ 365,000 $ 365,000 $ 300,000
Passaic, New Jersey 1 $ 505,000 $ 505,000 $ 414,000
Sussex, New Jersey 1 $ 265,000 $ 265,000 $ 158,000
Dona Ana, New Mexico 1 $ 275,000 $ 275,000 $ 0
Lincoln, New Mexico 1 $ 185,000 $ 185,000 $ 29,000
Chautauqua, New York 1 $ 85,000 $ 85,000 $ 63,000
Kings, New York 1 $ 195,000 $ 195,000 $ 114,000
Suffolk, New York 1 $ 355,000 $ 355,000 $ 227,000
Westchester, New York 1 $ 515,000 $ 515,000 $ 860,000
Ashe, North Carolina 1 $ 165,000 $ 165,000 $ 131,000
Caldwell, North Carolina 1 $ 185,000 $ 185,000 $ 0
Catawba, North Carolina 1 $ 475,000 $ 475,000 $ 0
Chowan, North Carolina 1 $ 315,000 $ 315,000 $ 103,000
Currituck, North Carolina 1 $ 235,000 $ 235,000 $ 0
Duplin, North Carolina 1 $ 345,000 $ 345,000 $ 0
Franklin, North Carolina 1 $ 195,000 $ 195,000 $ 39,000
Gaston, North Carolina 1 $ 485,000 $ 485,000 $ 478,000
Guilford, North Carolina 1 $ 255,000 $ 255,000 $ 123,000
Haywood, North Carolina 1 $ 585,000 $ 585,000 $ 0
Hoke, North Carolina 1 $ 385,000 $ 385,000 $ 0
Jackson, North Carolina 1 $ 315,000 $ 315,000 $ 150,000
Johnston, North Carolina 1 $ 225,000 $ 225,000 $ 100,000
Lincoln, North Carolina 1 $ 335,000 $ 335,000 $ 198,000
Pasquotank, North Carolina 1 $ 275,000 $ 275,000 $ 147,000
Pender, North Carolina 1 $ 385,000 $ 385,000 $ 174,000
Watauga, North Carolina 1 $ 675,000 $ 675,000 $ 234,000
Wayne, North Carolina 1 $ 195,000 $ 195,000 $ 50,000
Clermont, Ohio 1 $ 165,000 $ 165,000 $ 0
Greene, Ohio 1 $ 395,000 $ 395,000 $ 0
Hancock, Ohio 1 $ 155,000 $ 155,000 $ 54,000
Licking, Ohio 1 $ 285,000 $ 285,000 $ 0
Mahoning, Ohio 1 $ 225,000 $ 225,000 $ 212,000
Medina, Ohio 1 $ 215,000 $ 215,000 $ 138,000
Montgomery, Ohio 1 $ 155,000 $ 155,000 $ 0
Wayne, Ohio 1 $ 175,000 $ 175,000 $ 228,000
McClain, Oklahoma 1 $ 445,000 $ 445,000 $ 0
Rogers, Oklahoma 1 $ 165,000 $ 165,000 $ 0
Wagoner, Oklahoma 1 $ 175,000 $ 175,000 $ 0
Coos, Oregon 1 $ 315,000 $ 315,000 $ 0
Crook, Oregon 1 $ 405,000 $ 405,000 $ 80,000
Deschutes, Oregon 1 $ 515,000 $ 515,000 $ 265,000
Hood River, Oregon 1 $ 185,000 $ 185,000 $ 206,000
Klamath, Oregon 1 $ 335,000 $ 335,000 $ 163,000
Linn, Oregon 1 $ 355,000 $ 355,000 $ 120,000
Multnomah, Oregon 1 $ 305,000 $ 305,000 $ 131,000
Adams, Pennsylvania 1 $ 285,000 $ 285,000 $ 0
Beaver, Pennsylvania 1 $ 265,000 $ 265,000 $ 0
Carbon, Pennsylvania 1 $ 175,000 $ 175,000 $ 232,000
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Mortgage Loan Application Detail Totals for Capital Bank, N.A. in 2020

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 2,695 $1,064,055,000 $394,000 $8,055,000 $173,000 $3,135,000
Home Purchase 1,521 $535,915,000 $352,000 $1,375,000 $131,000 $1,955,000
Cash-out Refinancing 635 $223,665,000 $352,000 $1,525,000 $149,000 $2,508,000
Other Purpose 1 $285,000 $285,000 $285,000 $0 $0
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 2,911 $1,080,465,000 $371,000 $1,375,000 $164,000 $3,135,000
Not Provided 792 $311,620,000 $393,000 $1,655,000 $163,000 $1,259,000
Black or African American 530 $178,730,000 $337,000 $2,895,000 $94,000 $654,000
Hispanic 248 $85,000,000 $342,000 $1,025,000 $116,000 $587,000
Asian 208 $82,570,000 $396,000 $1,525,000 $152,000 $788,000
Not applicable 62 $48,820,000 $787,000 $8,055,000 $0 $0
American Indian or Alaskan Native 18 $5,640,000 $313,000 $645,000 $316,000 $2,508,000
Native Hawaiian or Other Pacific Islander 7 $3,205,000 $457,000 $1,005,000 $163,000 $309,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 3,001 $1,115,105,000 $371,000 $8,055,000 $161,000 $3,135,000
VA-guaranteed (Veterans Administration) 1,544 $619,460,000 $401,000 $1,505,000 $139,000 $2,508,000
FHA-insured (Federal Housing Administration) 256 $77,670,000 $303,000 $845,000 $88,000 $432,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 51 $11,685,000 $229,000 $475,000 $65,000 $129,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 3,568 $1,362,950,000 $381,000 $8,055,000 $153,000 $3,135,000
Application Withdrawn By Applicant 992 $359,260,000 $362,000 $1,225,000 $152,000 $2,508,000
File Closed For Incompleteness 164 $56,170,000 $342,000 $1,655,000 $146,000 $775,000
Application Denied By Financial Institution 82 $28,350,000 $345,000 $925,000 $134,000 $529,000
Application Approved But Not Accepted 45 $16,905,000 $375,000 $755,000 $137,000 $350,000
Loan Purchased By The Institution 1 $285,000 $285,000 $285,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 4,770 $1,795,570,000 $376,000 $8,055,000 $153,000 $3,135,000
Debt-To-Income Ratio 28 $9,420,000 $336,000 $675,000 $87,000 $291,000
Credit History 19 $5,605,000 $295,000 $625,000 $122,000 $270,000
Other 13 $4,095,000 $315,000 $675,000 $143,000 $388,000
Collateral 12 $5,310,000 $442,000 $875,000 $211,000 $414,000
Employment History 5 $1,405,000 $281,000 $525,000 $88,000 $165,000
Insufficient Cash (Downpayment, Closing Cost) 3 $1,205,000 $401,000 $925,000 $317,000 $529,000
Unverifiable Information 2 $1,310,000 $655,000 $845,000 $246,000 $348,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Capital Bank, N.A.'s 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Capital Bank, N.A.'s mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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