Capital Bank, N.A. Mortgage Lending & HMDA Data, 2021

In 2021, Capital Bank, N.A. of Rockville, MD reported 3,522 mortgage applications totaling $1.4 billion, down 27% from 2020. The average application was for $389,985, and applicants reported an average income of $157,086. 77% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,091), Salisbury, MD-DE (440) and Baltimore-Columbia-Towson, MD (378) (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 3,522
Total Mortgage Loan Application Amount $1,373,530,000
Average Mortgage Loan Application Amount $389,985
Highest Mortgage Loan Application Amount $18,005,000
Average Applicant Income $157,086
Highest Applicant Income $5,125,000

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Act (HMDA) records Capital Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Sussex, Delaware 420 $ 180,520,000 $ 429,809 $ 219,000
District of Columbia, District Of Columbia 407 $ 204,585,000 $ 502,665 $ 119,000
Montgomery, Maryland 187 $ 86,165,000 $ 460,775 $ 200,000
Fairfax, Virginia 184 $ 91,290,000 $ 496,141 $ 188,000
Prince George's, Maryland 157 $ 54,975,000 $ 350,159 $ 104,000
Baltimore, Maryland 97 $ 32,375,000 $ 333,762 $ 116,000
Prince William, Virginia 96 $ 40,350,000 $ 420,312 $ 143,000
Anne Arundel, Maryland 91 $ 37,125,000 $ 407,967 $ 148,000
Harford, Maryland 79 $ 24,425,000 $ 309,177 $ 124,000
Loudoun, Virginia 71 $ 36,635,000 $ 515,985 $ 171,000
Baltimore City, Maryland 59 $ 13,495,000 $ 228,728 $ 90,000
Arlington, Virginia 43 $ 24,515,000 $ 570,116 $ 206,000
Middlesex, Massachusetts 35 $ 15,015,000 $ 429,000 $ 217,000
Alexandria, Virginia 35 $ 16,065,000 $ 459,000 $ 169,000
Frederick, Maryland 33 $ 12,815,000 $ 388,333 $ 134,000
Howard, Maryland 32 $ 11,420,000 $ 356,875 $ 142,000
Orange, Florida 26 $ 7,610,000 $ 292,692 $ 102,000
Stafford, Virginia 24 $ 9,770,000 $ 407,083 $ 135,000
Maricopa, Arizona 18 $ 7,130,000 $ 396,111 $ 142,000
Charles, Maryland 18 $ 6,600,000 $ 366,666 $ 101,000
Wake, North Carolina 18 $ 6,770,000 $ 376,111 $ 224,000
Kent, Delaware 17 $ 4,815,000 $ 283,235 $ 136,000
Miami-Dade, Florida 17 $ 7,195,000 $ 423,235 $ 173,000
Los Angeles, California 16 $ 9,170,000 $ 573,125 $ 192,000
Broward, Florida 16 $ 5,600,000 $ 350,000 $ 165,000
Hillsborough, Florida 16 $ 4,810,000 $ 300,625 $ 135,000
Worcester, Massachusetts 15 $ 5,335,000 $ 355,666 $ 107,000
Duval, Florida 14 $ 2,980,000 $ 212,857 $ 148,000
Worcester, Maryland 14 $ 5,180,000 $ 370,000 $ 347,000
Philadelphia, Pennsylvania 14 $ 6,640,000 $ 474,285 $ 185,000
York, Pennsylvania 14 $ 3,300,000 $ 235,714 $ 87,000
Washington, Maryland 13 $ 3,225,000 $ 248,076 $ 108,000
Clark, Nevada 13 $ 4,585,000 $ 352,692 $ 88,000
Montgomery, Pennsylvania 13 $ 3,665,000 $ 281,923 $ 133,000
New Castle, Delaware 12 $ 3,870,000 $ 322,500 $ 159,000
Calvert, Maryland 12 $ 5,030,000 $ 419,166 $ 150,000
Fauquier, Virginia 12 $ 5,230,000 $ 435,833 $ 229,000
Cobb, Georgia 11 $ 3,065,000 $ 278,636 $ 127,000
Queen Anne's, Maryland 11 $ 4,015,000 $ 365,000 $ 129,000
Bucks, Pennsylvania 11 $ 3,155,000 $ 286,818 $ 127,000
Frederick, Virginia 11 $ 2,715,000 $ 246,818 $ 124,000
El Paso, Colorado 10 $ 3,930,000 $ 393,000 $ 135,000
Pinellas, Florida 10 $ 2,950,000 $ 295,000 $ 140,000
Allegheny, Pennsylvania 10 $ 1,890,000 $ 189,000 $ 148,000
Charleston, South Carolina 10 $ 3,680,000 $ 368,000 $ 163,000
Virginia Beach, Virginia 10 $ 4,160,000 $ 416,000 $ 273,000
San Diego, California 9 $ 3,125,000 $ 347,222 $ 101,000
Seminole, Florida 9 $ 2,655,000 $ 295,000 $ 108,000
Carroll, Maryland 9 $ 2,805,000 $ 311,666 $ 108,000
Essex, Massachusetts 9 $ 2,835,000 $ 315,000 $ 107,000
Plymouth, Massachusetts 9 $ 4,535,000 $ 503,888 $ 141,000
Travis, Texas 9 $ 3,355,000 $ 372,777 $ 168,000
Spotsylvania, Virginia 9 $ 2,845,000 $ 316,111 $ 92,000
Hartford, Connecticut 8 $ 2,220,000 $ 277,500 $ 135,000
Osceola, Florida 8 $ 2,610,000 $ 326,250 $ 56,000
Polk, Florida 8 $ 1,110,000 $ 138,750 $ 89,000
Rockingham, New Hampshire 8 $ 3,230,000 $ 403,750 $ 137,000
Chester, Pennsylvania 8 $ 2,530,000 $ 316,250 $ 137,000
Dallas, Texas 8 $ 4,670,000 $ 583,750 $ 196,000
Brevard, Florida 7 $ 2,105,000 $ 300,714 $ 591,000
Fulton, Georgia 7 $ 2,505,000 $ 357,857 $ 213,000
Cecil, Maryland 7 $ 1,775,000 $ 253,571 $ 84,000
Bristol, Massachusetts 7 $ 2,385,000 $ 340,714 $ 92,000
Suffolk, Massachusetts 7 $ 2,505,000 $ 357,857 $ 175,000
Washoe, Nevada 7 $ 3,525,000 $ 503,571 $ 115,000
Hillsborough, New Hampshire 7 $ 2,505,000 $ 357,857 $ 194,000
Camden, New Jersey 7 $ 2,045,000 $ 292,142 $ 130,000
Lancaster, Pennsylvania 7 $ 1,755,000 $ 250,714 $ 95,000
Horry, South Carolina 7 $ 1,435,000 $ 205,000 $ 108,000
Harris, Texas 7 $ 1,965,000 $ 280,714 $ 126,000
James City, Virginia 7 $ 2,475,000 $ 353,571 $ 189,000
Pierce, Washington 7 $ 2,345,000 $ 335,000 $ 196,000
Alameda, California 6 $ 2,930,000 $ 488,333 $ 315,000
Arapahoe, Colorado 6 $ 2,480,000 $ 413,333 $ 128,000
Jefferson, Colorado 6 $ 2,580,000 $ 430,000 $ 111,000
New Haven, Connecticut 6 $ 2,190,000 $ 365,000 $ 116,000
Manatee, Florida 6 $ 3,050,000 $ 508,333 $ 128,000
Okaloosa, Florida 6 $ 1,390,000 $ 231,666 $ 134,000
Cook, Illinois 6 $ 2,120,000 $ 353,333 $ 172,000
York, Maine 6 $ 2,000,000 $ 333,333 $ 145,000
Wicomico, Maryland 6 $ 1,420,000 $ 236,666 $ 76,000
Jackson, Missouri 6 $ 2,100,000 $ 350,000 $ 150,000
Bernalillo, New Mexico 6 $ 1,640,000 $ 273,333 $ 201,000
Mecklenburg, North Carolina 6 $ 1,580,000 $ 263,333 $ 115,000
Providence, Rhode Island 6 $ 1,470,000 $ 245,000 $ 125,000
Bexar, Texas 6 $ 1,730,000 $ 288,333 $ 105,000
Tarrant, Texas 6 $ 1,620,000 $ 270,000 $ 145,000
Salt Lake, Utah 6 $ 2,700,000 $ 450,000 $ 145,000
King, Washington 6 $ 3,120,000 $ 520,000 $ 196,000
Riverside, California 5 $ 1,415,000 $ 283,000 $ 84,000
Sacramento, California 5 $ 2,205,000 $ 441,000 $ 220,000
Denver, Colorado 5 $ 1,885,000 $ 377,000 $ 88,000
Middlesex, Connecticut 5 $ 1,335,000 $ 267,000 $ 91,000
Lee, Florida 5 $ 1,775,000 $ 355,000 $ 79,000
Pasco, Florida 5 $ 2,045,000 $ 409,000 $ 126,000
DeKalb, Georgia 5 $ 1,885,000 $ 377,000 $ 541,000
Johnson, Kansas 5 $ 1,485,000 $ 297,000 $ 86,000
Cumberland, Maine 5 $ 2,085,000 $ 417,000 $ 111,000
St. Mary's, Maryland 5 $ 1,875,000 $ 375,000 $ 89,000
Barnstable, Massachusetts 5 $ 1,335,000 $ 267,000 $ 176,000
Norfolk, Massachusetts 5 $ 2,085,000 $ 417,000 $ 137,000
Oakland, Michigan 5 $ 1,575,000 $ 315,000 $ 88,000
Strafford, New Hampshire 5 $ 1,135,000 $ 227,000 $ 515,000
Brunswick, North Carolina 5 $ 1,195,000 $ 239,000 $ 93,000
Northampton, Pennsylvania 5 $ 1,105,000 $ 221,000 $ 88,000
Davidson, Tennessee 5 $ 1,545,000 $ 309,000 $ 186,000
Montgomery, Texas 5 $ 1,355,000 $ 271,000 $ 309,000
Culpeper, Virginia 5 $ 1,805,000 $ 361,000 $ 108,000
Hanover, Virginia 5 $ 1,155,000 $ 231,000 $ 171,000
Jefferson, West Virginia 5 $ 1,565,000 $ 313,000 $ 112,000
Madison, Alabama 4 $ 1,400,000 $ 350,000 $ 177,000
Cochise, Arizona 4 $ 860,000 $ 215,000 $ 0
Yavapai, Arizona 4 $ 1,010,000 $ 252,500 $ 67,000
Orange, California 4 $ 2,000,000 $ 500,000 $ 188,000
Larimer, Colorado 4 $ 1,850,000 $ 462,500 $ 40,000
Marion, Florida 4 $ 550,000 $ 137,500 $ 45,000
Volusia, Florida 4 $ 980,000 $ 245,000 $ 78,000
Chatham, Georgia 4 $ 1,120,000 $ 280,000 $ 210,000
Gwinnett, Georgia 4 $ 1,320,000 $ 330,000 $ 145,000
Lake, Illinois 4 $ 1,740,000 $ 435,000 $ 304,000
Penobscot, Maine 4 $ 840,000 $ 210,000 $ 157,000
Garrett, Maryland 4 $ 1,580,000 $ 395,000 $ 329,000
New Hanover, North Carolina 4 $ 2,340,000 $ 585,000 $ 273,000
Franklin, Ohio 4 $ 1,220,000 $ 305,000 $ 87,000
Lucas, Ohio 4 $ 1,350,000 $ 337,500 $ 175,000
Kent, Rhode Island 4 $ 1,080,000 $ 270,000 $ 146,000
Washington, Rhode Island 4 $ 1,510,000 $ 377,500 $ 168,000
York, South Carolina 4 $ 1,730,000 $ 432,500 $ 195,000
El Paso, Texas 4 $ 660,000 $ 165,000 $ 42,000
Williamson, Texas 4 $ 930,000 $ 232,500 $ 59,000
Fairfax City, Virginia 4 $ 1,820,000 $ 455,000 $ 130,000
King George, Virginia 4 $ 1,690,000 $ 422,500 $ 149,000
Manassas, Virginia 4 $ 1,430,000 $ 357,500 $ 118,000
Richmond City, Virginia 4 $ 1,520,000 $ 380,000 $ 257,000
Kitsap, Washington 4 $ 1,240,000 $ 310,000 $ 169,000
Coconino, Arizona 3 $ 1,115,000 $ 371,666 $ 119,000
Pima, Arizona 3 $ 675,000 $ 225,000 $ 144,000
Contra Costa, California 3 $ 1,805,000 $ 601,666 $ 154,000
Fresno, California 3 $ 1,045,000 $ 348,333 $ 117,000
San Joaquin, California 3 $ 1,075,000 $ 358,333 $ 207,000
Sonoma, California 3 $ 1,415,000 $ 471,666 $ 114,000
Ventura, California 3 $ 1,505,000 $ 501,666 $ 0
Adams, Colorado 3 $ 765,000 $ 255,000 $ 113,000
Fairfield, Connecticut 3 $ 695,000 $ 231,666 $ 140,000
Charlotte, Florida 3 $ 755,000 $ 251,666 $ 175,000
Collier, Florida 3 $ 1,225,000 $ 408,333 $ 145,000
Palm Beach, Florida 3 $ 1,585,000 $ 528,333 $ 130,000
St. Johns, Florida 3 $ 1,005,000 $ 335,000 $ 54,000
Sumter, Florida 3 $ 595,000 $ 198,333 $ 61,000
Cherokee, Georgia 3 $ 475,000 $ 158,333 $ 34,000
Henry, Georgia 3 $ 705,000 $ 235,000 $ 42,000
Talbot, Maryland 3 $ 1,335,000 $ 445,000 $ 278,000
Dakota, Minnesota 3 $ 685,000 $ 228,333 $ 86,000
Washington, Minnesota 3 $ 1,075,000 $ 358,333 $ 0
Clay, Missouri 3 $ 685,000 $ 228,333 $ 75,000
Bergen, New Jersey 3 $ 1,265,000 $ 421,666 $ 194,000
Burlington, New Jersey 3 $ 925,000 $ 308,333 $ 189,000
Essex, New Jersey 3 $ 1,465,000 $ 488,333 $ 396,000
Middlesex, New Jersey 3 $ 1,605,000 $ 535,000 $ 209,000
Ocean, New Jersey 3 $ 1,195,000 $ 398,333 $ 243,000
Moore, North Carolina 3 $ 1,975,000 $ 658,333 $ 147,000
Onslow, North Carolina 3 $ 865,000 $ 288,333 $ 313,000
Orange, North Carolina 3 $ 1,065,000 $ 355,000 $ 172,000
Union, North Carolina 3 $ 935,000 $ 311,666 $ 108,000
Comanche, Oklahoma 3 $ 725,000 $ 241,666 $ 52,000
Centre, Pennsylvania 3 $ 595,000 $ 198,333 $ 91,000
Delaware, Pennsylvania 3 $ 1,095,000 $ 365,000 $ 103,000
Greenville, South Carolina 3 $ 715,000 $ 238,333 $ 82,000
Lancaster, South Carolina 3 $ 855,000 $ 285,000 $ 59,000
Shelby, Tennessee 3 $ 615,000 $ 205,000 $ 96,000
Williamson, Tennessee 3 $ 1,745,000 $ 581,666 $ 150,000
Comal, Texas 3 $ 1,045,000 $ 348,333 $ 0
Denton, Texas 3 $ 1,485,000 $ 495,000 $ 89,000
Fort Bend, Texas 3 $ 765,000 $ 255,000 $ 86,000
Galveston, Texas 3 $ 1,025,000 $ 341,666 $ 123,000
Chesapeake, Virginia 3 $ 1,075,000 $ 358,333 $ 105,000
Chesterfield, Virginia 3 $ 745,000 $ 248,333 $ 60,000
Clarke, Virginia 3 $ 1,385,000 $ 461,666 $ 151,000
Louisa, Virginia 3 $ 1,715,000 $ 571,666 $ 261,000
Shenandoah, Virginia 3 $ 1,235,000 $ 411,666 $ 193,000
York, Virginia 3 $ 1,215,000 $ 405,000 $ 93,000
Thurston, Washington 3 $ 755,000 $ 251,666 $ 169,000
Berkeley, West Virginia 3 $ 835,000 $ 278,333 $ 116,000
Waukesha, Wisconsin 3 $ 905,000 $ 301,666 $ 143,000
Pinal, Arizona 2 $ 870,000 $ 435,000 $ 99,000
Kern, California 2 $ 560,000 $ 280,000 $ 85,000
Monterey, California 2 $ 810,000 $ 405,000 $ 245,000
Placer, California 2 $ 690,000 $ 345,000 $ 0
San Bernardino, California 2 $ 590,000 $ 295,000 $ 89,000
San Mateo, California 2 $ 870,000 $ 435,000 $ 169,000
Santa Barbara, California 2 $ 360,000 $ 180,000 $ 117,000
Weld, Colorado 2 $ 860,000 $ 430,000 $ 199,000
Litchfield, Connecticut 2 $ 780,000 $ 390,000 $ 191,000
New London, Connecticut 2 $ 1,040,000 $ 520,000 $ 240,000
Citrus, Florida 2 $ 320,000 $ 160,000 $ 60,000
Lake, Florida 2 $ 630,000 $ 315,000 $ 141,000
Santa Rosa, Florida 2 $ 500,000 $ 250,000 $ 59,000
St. Lucie, Florida 2 $ 540,000 $ 270,000 $ 107,000
Butts, Georgia 2 $ 430,000 $ 215,000 $ 201,000
Fayette, Georgia 2 $ 700,000 $ 350,000 $ 121,000
Forsyth, Georgia 2 $ 600,000 $ 300,000 $ 59,000
Glynn, Georgia 2 $ 850,000 $ 425,000 $ 145,000
Richmond, Georgia 2 $ 480,000 $ 240,000 $ 151,000
Ada, Idaho 2 $ 1,050,000 $ 525,000 $ 167,000
DuPage, Illinois 2 $ 680,000 $ 340,000 $ 192,000
Marion, Indiana 2 $ 350,000 $ 175,000 $ 83,000
Caddo, Louisiana 2 $ 570,000 $ 285,000 $ 252,000
St. Tammany, Louisiana 2 $ 650,000 $ 325,000 $ 0
Macomb, Michigan 2 $ 430,000 $ 215,000 $ 112,000
Monroe, Michigan 2 $ 490,000 $ 245,000 $ 131,000
Hennepin, Minnesota 2 $ 800,000 $ 400,000 $ 139,000
Scott, Minnesota 2 $ 1,120,000 $ 560,000 $ 284,000
Greene, Missouri 2 $ 290,000 $ 145,000 $ 46,000
Johnson, Missouri 2 $ 660,000 $ 330,000 $ 224,000
Platte, Missouri 2 $ 680,000 $ 340,000 $ 114,000
Lewis and Clark, Montana 2 $ 860,000 $ 430,000 $ 119,000
Carroll, New Hampshire 2 $ 350,000 $ 175,000 $ 110,000
Cape May, New Jersey 2 $ 830,000 $ 415,000 $ 127,000
Hudson, New Jersey 2 $ 680,000 $ 340,000 $ 159,000
Morris, New Jersey 2 $ 1,050,000 $ 525,000 $ 221,000
Salem, New Jersey 2 $ 610,000 $ 305,000 $ 116,000
Somerset, New Jersey 2 $ 700,000 $ 350,000 $ 201,000
Union, New Jersey 2 $ 490,000 $ 245,000 $ 89,000
Nassau, New York 2 $ 750,000 $ 375,000 $ 107,000
Catawba, North Carolina 2 $ 580,000 $ 290,000 $ 192,000
Chatham, North Carolina 2 $ 600,000 $ 300,000 $ 105,000
Currituck, North Carolina 2 $ 560,000 $ 280,000 $ 150,000
Dare, North Carolina 2 $ 960,000 $ 480,000 $ 281,000
Franklin, North Carolina 2 $ 450,000 $ 225,000 $ 60,000
Guilford, North Carolina 2 $ 340,000 $ 170,000 $ 94,000
Harnett, North Carolina 2 $ 270,000 $ 135,000 $ 105,000
Johnston, North Carolina 2 $ 540,000 $ 270,000 $ 105,000
Pender, North Carolina 2 $ 630,000 $ 315,000 $ 124,000
Surry, North Carolina 2 $ 460,000 $ 230,000 $ 39,000
Montgomery, Ohio 2 $ 580,000 $ 290,000 $ 0
Summit, Ohio 2 $ 330,000 $ 165,000 $ 148,000
Clackamas, Oregon 2 $ 1,240,000 $ 620,000 $ 178,000
Douglas, Oregon 2 $ 660,000 $ 330,000 $ 80,000
Berks, Pennsylvania 2 $ 520,000 $ 260,000 $ 232,000
Butler, Pennsylvania 2 $ 670,000 $ 335,000 $ 152,000
Columbia, Pennsylvania 2 $ 230,000 $ 115,000 $ 43,000
Cumberland, Pennsylvania 2 $ 320,000 $ 160,000 $ 130,000
Franklin, Pennsylvania 2 $ 340,000 $ 170,000 $ 44,000
Lackawanna, Pennsylvania 2 $ 490,000 $ 245,000 $ 110,000
Venango, Pennsylvania 2 $ 180,000 $ 90,000 $ 69,000
Aiken, South Carolina 2 $ 550,000 $ 275,000 $ 96,000
Anderson, South Carolina 2 $ 710,000 $ 355,000 $ 81,000
Beaufort, South Carolina 2 $ 410,000 $ 205,000 $ 115,000
Berkeley, South Carolina 2 $ 440,000 $ 220,000 $ 42,000
Spartanburg, South Carolina 2 $ 610,000 $ 305,000 $ 106,000
Sumter, South Carolina 2 $ 520,000 $ 260,000 $ 0
Rutherford, Tennessee 2 $ 590,000 $ 295,000 $ 66,000
Sevier, Tennessee 2 $ 440,000 $ 220,000 $ 79,000
Bell, Texas 2 $ 250,000 $ 125,000 $ 111,000
Brazoria, Texas 2 $ 370,000 $ 185,000 $ 0
Collin, Texas 2 $ 600,000 $ 300,000 $ 131,000
Lubbock, Texas 2 $ 400,000 $ 200,000 $ 55,000
Parker, Texas 2 $ 630,000 $ 315,000 $ 132,000
Val Verde, Texas 2 $ 400,000 $ 200,000 $ 108,000
Tooele, Utah 2 $ 410,000 $ 205,000 $ 0
Utah, Utah 2 $ 840,000 $ 420,000 $ 74,000
Weber, Utah 2 $ 650,000 $ 325,000 $ 92,000
Albemarle, Virginia 2 $ 660,000 $ 330,000 $ 152,000
Caroline, Virginia 2 $ 510,000 $ 255,000 $ 64,000
Hampton, Virginia 2 $ 540,000 $ 270,000 $ 153,000
Henrico, Virginia 2 $ 300,000 $ 150,000 $ 80,000
Mathews, Virginia 2 $ 640,000 $ 320,000 $ 176,000
Newport News, Virginia 2 $ 360,000 $ 180,000 $ 80,000
Suffolk, Virginia 2 $ 1,180,000 $ 590,000 $ 145,000
Clark, Washington 2 $ 990,000 $ 495,000 $ 160,000
Snohomish, Washington 2 $ 890,000 $ 445,000 $ 84,000
Baldwin, Alabama 1 $ 235,000 $ 235,000 $ 0
Coffee, Alabama 1 $ 335,000 $ 335,000 $ 166,000
Morgan, Alabama 1 $ 705,000 $ 705,000 $ 216,000
Pike, Alabama 1 $ 195,000 $ 195,000 $ 66,000
Tuscaloosa, Alabama 1 $ 325,000 $ 325,000 $ 0
Juneau, Alaska 1 $ 335,000 $ 335,000 $ 0
Matanuska-Susitna, Alaska 1 $ 305,000 $ 305,000 $ 191,000
Mohave, Arizona 1 $ 165,000 $ 165,000 $ 82,000
Benton, Arkansas 1 $ 95,000 $ 95,000 $ 106,000
Craighead, Arkansas 1 $ 255,000 $ 255,000 $ 0
Amador, California 1 $ 235,000 $ 235,000 $ 0
El Dorado, California 1 $ 395,000 $ 395,000 $ 105,000
Humboldt, California 1 $ 175,000 $ 175,000 $ 66,000
Merced, California 1 $ 315,000 $ 315,000 $ 154,000
Modoc, California 1 $ 195,000 $ 195,000 $ 113,000
Santa Clara, California 1 $ 1,135,000 $ 1,135,000 $ 0
Tulare, California 1 $ 255,000 $ 255,000 $ 89,000
Broomfield, Colorado 1 $ 245,000 $ 245,000 $ 131,000
Chaffee, Colorado 1 $ 495,000 $ 495,000 $ 0
Eagle, Colorado 1 $ 425,000 $ 425,000 $ 57,000
Fremont, Colorado 1 $ 225,000 $ 225,000 $ 44,000
Gunnison, Colorado 1 $ 395,000 $ 395,000 $ 63,000
La Plata, Colorado 1 $ 545,000 $ 545,000 $ 64,000
Mesa, Colorado 1 $ 145,000 $ 145,000 $ 52,000
Montezuma, Colorado 1 $ 175,000 $ 175,000 $ 37,000
Phillips, Colorado 1 $ 255,000 $ 255,000 $ 0
Summit, Colorado 1 $ 545,000 $ 545,000 $ 206,000
Tolland, Connecticut 1 $ 145,000 $ 145,000 $ 65,000
Windham, Connecticut 1 $ 235,000 $ 235,000 $ 76,000
Alachua, Florida 1 $ 255,000 $ 255,000 $ 172,000
Bay, Florida 1 $ 365,000 $ 365,000 $ 0
Escambia, Florida 1 $ 225,000 $ 225,000 $ 150,000
Flagler, Florida 1 $ 245,000 $ 245,000 $ 227,000
Hernando, Florida 1 $ 175,000 $ 175,000 $ 49,000
Indian River, Florida 1 $ 365,000 $ 365,000 $ 0
Monroe, Florida 1 $ 545,000 $ 545,000 $ 165,000
Sarasota, Florida 1 $ 225,000 $ 225,000 $ 60,000
Bryan, Georgia 1 $ 265,000 $ 265,000 $ 182,000
Carroll, Georgia 1 $ 205,000 $ 205,000 $ 98,000
Clarke, Georgia 1 $ 295,000 $ 295,000 $ 125,000
Columbia, Georgia 1 $ 455,000 $ 455,000 $ 0
Houston, Georgia 1 $ 45,000 $ 45,000 $ 0
Liberty, Georgia 1 $ 265,000 $ 265,000 $ 119,000
Long, Georgia 1 $ 305,000 $ 305,000 $ 100,000
Lowndes, Georgia 1 $ 235,000 $ 235,000 $ 96,000
Newton, Georgia 1 $ 205,000 $ 205,000 $ 61,000
Paulding, Georgia 1 $ 105,000 $ 105,000 $ 49,000
Pickens, Georgia 1 $ 415,000 $ 415,000 $ 106,000
White, Georgia 1 $ 305,000 $ 305,000 $ 94,000
Honolulu, Hawaii 1 $ 595,000 $ 595,000 $ 0
Kauai, Hawaii 1 $ 255,000 $ 255,000 $ 61,000
Canyon, Idaho 1 $ 235,000 $ 235,000 $ 72,000
Champaign, Illinois 1 $ 225,000 $ 225,000 $ 108,000
Grundy, Illinois 1 $ 105,000 $ 105,000 $ 109,000
Kendall, Illinois 1 $ 265,000 $ 265,000 $ 0
Will, Illinois 1 $ 135,000 $ 135,000 $ 67,000
Williamson, Illinois 1 $ 185,000 $ 185,000 $ 0
Boone, Indiana 1 $ 195,000 $ 195,000 $ 0
Grant, Indiana 1 $ 185,000 $ 185,000 $ 91,000
Hamilton, Indiana 1 $ 305,000 $ 305,000 $ 0
Johnson, Indiana 1 $ 285,000 $ 285,000 $ 0
Lake, Indiana 1 $ 155,000 $ 155,000 $ 65,000
Black Hawk, Iowa 1 $ 215,000 $ 215,000 $ 0
Boone, Iowa 1 $ 235,000 $ 235,000 $ 140,000
Polk, Iowa 1 $ 155,000 $ 155,000 $ 64,000
Butler, Kansas 1 $ 285,000 $ 285,000 $ 143,000
Sedgwick, Kansas 1 $ 155,000 $ 155,000 $ 52,000
Jefferson, Kentucky 1 $ 195,000 $ 195,000 $ 0
Pulaski, Kentucky 1 $ 345,000 $ 345,000 $ 0
Jefferson, Louisiana 1 $ 125,000 $ 125,000 $ 22,000
Orleans, Louisiana 1 $ 475,000 $ 475,000 $ 240,000
Plaquemines, Louisiana 1 $ 385,000 $ 385,000 $ 95,000
Rapides, Louisiana 1 $ 545,000 $ 545,000 $ 128,000
Washington, Louisiana 1 $ 255,000 $ 255,000 $ 46,000
Androscoggin, Maine 1 $ 135,000 $ 135,000 $ 96,000
Kennebec, Maine 1 $ 325,000 $ 325,000 $ 82,000
Knox, Maine 1 $ 445,000 $ 445,000 $ 350,000
Caroline, Maryland 1 $ 385,000 $ 385,000 $ 0
Dorchester, Maryland 1 $ 285,000 $ 285,000 $ 240,000
Kent, Maryland 1 $ 225,000 $ 225,000 $ 97,000
Hampshire, Massachusetts 1 $ 275,000 $ 275,000 $ 114,000
Bay, Michigan 1 $ 135,000 $ 135,000 $ 76,000
Calhoun, Michigan 1 $ 105,000 $ 105,000 $ 59,000
Charlevoix, Michigan 1 $ 215,000 $ 215,000 $ 86,000
Houghton, Michigan 1 $ 105,000 $ 105,000 $ 110,000
Kent, Michigan 1 $ 235,000 $ 235,000 $ 0
Lenawee, Michigan 1 $ 135,000 $ 135,000 $ 63,000
Mecosta, Michigan 1 $ 135,000 $ 135,000 $ 50,000
Midland, Michigan 1 $ 495,000 $ 495,000 $ 138,000
Montcalm, Michigan 1 $ 175,000 $ 175,000 $ 0
Washtenaw, Michigan 1 $ 245,000 $ 245,000 $ 192,000
Anoka, Minnesota 1 $ 235,000 $ 235,000 $ 53,000
Meeker, Minnesota 1 $ 245,000 $ 245,000 $ 119,000
Olmsted, Minnesota 1 $ 285,000 $ 285,000 $ 46,000
Ramsey, Minnesota 1 $ 235,000 $ 235,000 $ 61,000
Hancock, Mississippi 1 $ 165,000 $ 165,000 $ 103,000
Harrison, Mississippi 1 $ 255,000 $ 255,000 $ 0
Pearl River, Mississippi 1 $ 205,000 $ 205,000 $ 53,000
Rankin, Mississippi 1 $ 475,000 $ 475,000 $ 0
Cass, Missouri 1 $ 285,000 $ 285,000 $ 102,000
Cedar, Missouri 1 $ 185,000 $ 185,000 $ 0
Christian, Missouri 1 $ 535,000 $ 535,000 $ 104,000
Franklin, Missouri 1 $ 175,000 $ 175,000 $ 0
St. Charles, Missouri 1 $ 225,000 $ 225,000 $ 43,000
St. Louis, Missouri 1 $ 225,000 $ 225,000 $ 125,000
St. Louis City, Missouri 1 $ 275,000 $ 275,000 $ 0
Taney, Missouri 1 $ 215,000 $ 215,000 $ 104,000
Missoula, Montana 1 $ 605,000 $ 605,000 $ 134,000
Yellowstone, Montana 1 $ 285,000 $ 285,000 $ 0
York, Nebraska 1 $ 185,000 $ 185,000 $ 56,000
Douglas, Nevada 1 $ 415,000 $ 415,000 $ 100,000
Belknap, New Hampshire 1 $ 365,000 $ 365,000 $ 157,000
Cheshire, New Hampshire 1 $ 175,000 $ 175,000 $ 78,000
Merrimack, New Hampshire 1 $ 455,000 $ 455,000 $ 140,000
Atlantic, New Jersey 1 $ 255,000 $ 255,000 $ 350,000
Monmouth, New Jersey 1 $ 205,000 $ 205,000 $ 207,000
Dona Ana, New Mexico 1 $ 185,000 $ 185,000 $ 0
Albany, New York 1 $ 255,000 $ 255,000 $ 113,000
Chautauqua, New York 1 $ 55,000 $ 55,000 $ 85,000
Kings, New York 1 $ 655,000 $ 655,000 $ 0
Queens, New York 1 $ 285,000 $ 285,000 $ 158,000
Saratoga, New York 1 $ 435,000 $ 435,000 $ 0
Suffolk, New York 1 $ 525,000 $ 525,000 $ 205,000
Beaufort, North Carolina 1 $ 625,000 $ 625,000 $ 221,000
Carteret, North Carolina 1 $ 275,000 $ 275,000 $ 0
Cherokee, North Carolina 1 $ 225,000 $ 225,000 $ 61,000
Forsyth, North Carolina 1 $ 215,000 $ 215,000 $ 0
Henderson, North Carolina 1 $ 365,000 $ 365,000 $ 95,000
Hoke, North Carolina 1 $ 175,000 $ 175,000 $ 65,000
Iredell, North Carolina 1 $ 105,000 $ 105,000 $ 41,000
Lee, North Carolina 1 $ 285,000 $ 285,000 $ 115,000
McDowell, North Carolina 1 $ 305,000 $ 305,000 $ 419,000
Nash, North Carolina 1 $ 285,000 $ 285,000 $ 0
Pitt, North Carolina 1 $ 275,000 $ 275,000 $ 206,000
Polk, North Carolina 1 $ 205,000 $ 205,000 $ 157,000
Stanly, North Carolina 1 $ 215,000 $ 215,000 $ 44,000
Transylvania, North Carolina 1 $ 395,000 $ 395,000 $ 0
Watauga, North Carolina 1 $ 405,000 $ 405,000 $ 396,000
Wayne, North Carolina 1 $ 275,000 $ 275,000 $ 52,000
Burleigh, North Dakota 1 $ 365,000 $ 365,000 $ 0
Clermont, Ohio 1 $ 175,000 $ 175,000 $ 46,000
Delaware, Ohio 1 $ 395,000 $ 395,000 $ 117,000
Fulton, Ohio 1 $ 225,000 $ 225,000 $ 0
Greene, Ohio 1 $ 325,000 $ 325,000 $ 0
Licking, Ohio 1 $ 355,000 $ 355,000 $ 76,000
Ross, Ohio 1 $ 125,000 $ 125,000 $ 90,000
Stark, Ohio 1 $ 165,000 $ 165,000 $ 0
Van Wert, Ohio 1 $ 275,000 $ 275,000 $ 66,000
Wood, Ohio 1 $ 375,000 $ 375,000 $ 0
Osage, Oklahoma 1 $ 205,000 $ 205,000 $ 330,000
Rogers, Oklahoma 1 $ 415,000 $ 415,000 $ 230,000
Tulsa, Oklahoma 1 $ 205,000 $ 205,000 $ 0
Benton, Oregon 1 $ 225,000 $ 225,000 $ 0
Klamath, Oregon 1 $ 335,000 $ 335,000 $ 0
Lane, Oregon 1 $ 195,000 $ 195,000 $ 0
Marion, Oregon 1 $ 275,000 $ 275,000 $ 0
Multnomah, Oregon 1 $ 335,000 $ 335,000 $ 99,000
Polk, Oregon 1 $ 395,000 $ 395,000 $ 0
Washington, Oregon 1 $ 505,000 $ 505,000 $ 110,000
Yamhill, Oregon 1 $ 225,000 $ 225,000 $ 79,000
Adams, Pennsylvania 1 $ 285,000 $ 285,000 $ 0
Armstrong, Pennsylvania 1 $ 155,000 $ 155,000 $ 102,000
Beaver, Pennsylvania 1 $ 155,000 $ 155,000 $ 64,000
Bedford, Pennsylvania 1 $ 185,000 $ 185,000 $ 171,000
Dauphin, Pennsylvania 1 $ 175,000 $ 175,000 $ 105,000
Lawrence, Pennsylvania 1 $ 145,000 $ 145,000 $ 60,000
Lebanon, Pennsylvania 1 $ 225,000 $ 225,000 $ 221,000
Luzerne, Pennsylvania 1 $ 165,000 $ 165,000 $ 73,000
Lycoming, Pennsylvania 1 $ 305,000 $ 305,000 $ 0
Mercer, Pennsylvania 1 $ 245,000 $ 245,000 $ 114,000
Monroe, Pennsylvania 1 $ 165,000 $ 165,000 $ 34,000
Somerset, Pennsylvania 1 $ 205,000 $ 205,000 $ 200,000
Union, Pennsylvania 1 $ 165,000 $ 165,000 $ 83,000
Washington, Pennsylvania 1 $ 465,000 $ 465,000 $ 0
Wyoming, Pennsylvania 1 $ 275,000 $ 275,000 $ 78,000
Newport, Rhode Island 1 $ 365,000 $ 365,000 $ 60,000
Dorchester, South Carolina 1 $ 175,000 $ 175,000 $ 35,000
Georgetown, South Carolina 1 $ 195,000 $ 195,000 $ 87,000
Jasper, South Carolina 1 $ 245,000 $ 245,000 $ 77,000
Lexington, South Carolina 1 $ 275,000 $ 275,000 $ 0
Richland, South Carolina 1 $ 265,000 $ 265,000 $ 0
Blount, Tennessee 1 $ 205,000 $ 205,000 $ 0
Campbell, Tennessee 1 $ 185,000 $ 185,000 $ 10,000
Hamilton, Tennessee 1 $ 265,000 $ 265,000 $ 73,000
Knox, Tennessee 1 $ 225,000 $ 225,000 $ 0
Loudon, Tennessee 1 $ 235,000 $ 235,000 $ 117,000
Maury, Tennessee 1 $ 285,000 $ 285,000 $ 105,000
Sumner, Tennessee 1 $ 425,000 $ 425,000 $ 88,000
Wilson, Tennessee 1 $ 215,000 $ 215,000 $ 52,000
Anderson, Texas 1 $ 265,000 $ 265,000 $ 0
Freestone, Texas 1 $ 525,000 $ 525,000 $ 124,000
Guadalupe, Texas 1 $ 275,000 $ 275,000 $ 0
Hopkins, Texas 1 $ 265,000 $ 265,000 $ 280,000
Hunt, Texas 1 $ 145,000 $ 145,000 $ 81,000
Johnson, Texas 1 $ 315,000 $ 315,000 $ 0
Kendall, Texas 1 $ 245,000 $ 245,000 $ 0
McLennan, Texas 1 $ 295,000 $ 295,000 $ 120,000
Potter, Texas 1 $ 375,000 $ 375,000 $ 113,000
Titus, Texas 1 $ 405,000 $ 405,000 $ 91,000
Van Zandt, Texas 1 $ 165,000 $ 165,000 $ 89,000
Wise, Texas 1 $ 235,000 $ 235,000 $ 0
Wood, Texas 1 $ 145,000 $ 145,000 $ 156,000
Davis, Utah 1 $ 175,000 $ 175,000 $ 0
Washington, Utah 1 $ 355,000 $ 355,000 $ 0
Washington, Vermont 1 $ 285,000 $ 285,000 $ 140,000
Windsor, Vermont 1 $ 255,000 $ 255,000 $ 65,000
Accomack, Virginia 1 $ 225,000 $ 225,000 $ 222,000
Appomattox, Virginia 1 $ 255,000 $ 255,000 $ 99,000
Botetourt, Virginia 1 $ 245,000 $ 245,000 $ 75,000
Brunswick, Virginia 1 $ 655,000 $ 655,000 $ 170,000
Charlottesville, Virginia 1 $ 415,000 $ 415,000 $ 0
Falls Church, Virginia 1 $ 325,000 $ 325,000 $ 101,000
Fluvanna, Virginia 1 $ 325,000 $ 325,000 $ 250,000
Franklin, Virginia 1 $ 325,000 $ 325,000 $ 119,000
Fredericksburg, Virginia 1 $ 405,000 $ 405,000 $ 91,000
Greene, Virginia 1 $ 185,000 $ 185,000 $ 259,000
Harrisonburg, Virginia 1 $ 125,000 $ 125,000 $ 105,000
Lynchburg, Virginia 1 $ 85,000 $ 85,000 $ 65,000
Mecklenburg, Virginia 1 $ 125,000 $ 125,000 $ 96,000
Middlesex, Virginia 1 $ 175,000 $ 175,000 $ 58,000
Montgomery, Virginia 1 $ 165,000 $ 165,000 $ 406,000
Norfolk, Virginia 1 $ 1,055,000 $ 1,055,000 $ 0
Orange, Virginia 1 $ 235,000 $ 235,000 $ 45,000
Scott, Virginia 1 $ 125,000 $ 125,000 $ 60,000
Winchester, Virginia 1 $ 235,000 $ 235,000 $ 31,000
Cowlitz, Washington 1 $ 295,000 $ 295,000 $ 81,000
Grays Harbor, Washington 1 $ 195,000 $ 195,000 $ 69,000
Mason, Washington 1 $ 395,000 $ 395,000 $ 177,000
Walla Walla, Washington 1 $ 245,000 $ 245,000 $ 108,000
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Mortgage Loan Application Detail Totals for Capital Bank, N.A. in 2021

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 1,533 $603,455,000 $393,000 $18,005,000 $174,000 $5,125,000
Home Purchase 1,385 $550,865,000 $397,000 $1,705,000 $148,000 $1,850,000
Cash-out Refinancing 603 $218,695,000 $362,000 $1,435,000 $135,000 $1,344,000
Other Purpose 1 $515,000 $515,000 $515,000 $130,000 $130,000
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 1,986 $768,910,000 $387,000 $2,095,000 $169,000 $5,125,000
Not Provided 585 $221,965,000 $379,000 $1,705,000 $165,000 $867,000
Black or African American 504 $176,130,000 $349,000 $1,905,000 $104,000 $936,000
Hispanic 241 $79,035,000 $327,000 $1,175,000 $127,000 $3,260,000
Asian 134 $58,160,000 $434,000 $1,135,000 $159,000 $658,000
Not applicable 38 $56,750,000 $1,493,000 $18,005,000 $0 $0
American Indian or Alaskan Native 14 $4,100,000 $292,000 $505,000 $143,000 $252,000
Native Hawaiian or Other Pacific Islander 5 $2,315,000 $463,000 $695,000 $118,000 $182,000

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) 2,525 $979,355,000 $387,000 $18,005,000 $163,000 $5,125,000
VA-guaranteed (Veterans Administration) 772 $322,050,000 $417,000 $1,505,000 $140,000 $567,000
FHA-insured (Federal Housing Administration) 212 $68,600,000 $323,000 $815,000 $83,000 $371,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 13 $3,525,000 $271,000 $475,000 $67,000 $103,000

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 2,696 $1,073,860,000 $398,000 $18,005,000 $157,000 $5,125,000
Application Withdrawn By Applicant 613 $226,665,000 $369,000 $1,905,000 $149,000 $2,432,000
File Closed For Incompleteness 99 $37,105,000 $374,000 $1,395,000 $208,000 $3,260,000
Application Denied By Financial Institution 85 $25,545,000 $300,000 $885,000 $93,000 $552,000
Application Approved But Not Accepted 27 $9,605,000 $355,000 $895,000 $124,000 $280,000
Preapproval Approved but not Accepted 1 $545,000 $545,000 $545,000 $135,000 $135,000
Preapproval Denied by Financial Institution 1 $205,000 $205,000 $205,000 $38,000 $38,000
Loan Purchased By The 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 3,436 $1,347,780,000 $392,000 $18,005,000 $156,000 $5,125,000
Debt-To-Income Ratio 49 $15,655,000 $319,000 $715,000 $80,000 $333,000
Collateral 14 $3,110,000 $222,000 $345,000 $133,000 $552,000
Credit History 8 $2,240,000 $280,000 $405,000 $116,000 $183,000
Other 7 $1,875,000 $267,000 $545,000 $72,000 $103,000
Unverifiable Information 3 $1,425,000 $475,000 $885,000 $121,000 $226,000
Insufficient Cash (Downpayment, Closing Cost) 3 $1,075,000 $358,000 $385,000 $97,000 $116,000
Employment History 2 $370,000 $185,000 $205,000 $36,000 $38,000
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 2021 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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