Capital Bank, N.A. Mortgage Lending & HMDA Data, 2019
In 2019, Capital Bank, N.A. of Rockville, MD reported 2,481 mortgage applications totaling $887.3 million, up 50% from 2018. The average application was for $357,640, and applicants reported an average income of $130,152. 72% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (857), Baltimore-Columbia-Towson, MD (472) and Washington-Baltimore-Arlington, DC (135) (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 | 2,481 |
| Total Mortgage Loan Application Amount | $887,305,000 |
| Average Mortgage Loan Application Amount | $357,640 |
| Highest Mortgage Loan Application Amount | $6,405,000 |
| Average Applicant Income | $130,152 |
| Highest Applicant Income | $2,188,000 |
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Act (HMDA) records Capital Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 857 | $ 366,815,000 | $ 428,022 | $ 132,280 |
| Baltimore-Columbia-Towson, MD | 472 | $ 140,500,000 | $ 297,669 | $ 110,000 |
| Washington-Baltimore-Arlington, DC | 135 | $ 61,325,000 | $ 454,259 | $ 148,000 |
| Outside any metro area | 85 | $ 22,735,000 | $ 267,470 | $ 121,973 |
| Orlando-Kissimmee-Sanford, FL | 63 | $ 16,075,000 | $ 255,158 | $ 79,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 31 | $ 9,955,000 | $ 321,129 | $ 116,774 |
| Atlanta-Sandy Springs-Roswell, GA | 28 | $ 8,120,000 | $ 290,000 | $ 117,000 |
| Tampa-St. Petersburg-Clearwater, FL | 26 | $ 8,880,000 | $ 341,538 | $ 123,000 |
| Raleigh, NC | 25 | $ 8,545,000 | $ 341,800 | $ 128,000 |
| Phoenix-Mesa-Scottsdale, AZ | 20 | $ 6,960,000 | $ 348,000 | $ 102,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 19 | $ 7,185,000 | $ 378,157 | $ 128,000 |
| Chicago-Naperville, IL | 16 | $ 4,690,000 | $ 293,125 | $ 150,000 |
| Las Vegas-Henderson-Paradise, NV | 16 | $ 7,070,000 | $ 441,875 | $ 130,000 |
| Montgomery County-Bucks County-Chester County, PA | 16 | $ 5,330,000 | $ 333,125 | $ 155,000 |
| Boston, MA | 15 | $ 6,645,000 | $ 443,000 | $ 184,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 15 | $ 5,225,000 | $ 348,333 | $ 94,000 |
| Dallas-Plano-Irving, TX | 14 | $ 4,500,000 | $ 321,428 | $ 111,000 |
| Jacksonville, FL | 14 | $ 3,630,000 | $ 259,285 | $ 78,000 |
| North Port-Sarasota-Bradenton, FL | 14 | $ 3,790,000 | $ 270,714 | $ 111,000 |
| Salisbury, MD-DE | 13 | $ 4,505,000 | $ 346,538 | $ 245,307 |
| Charlotte-Concord-Gastonia, NC-SC | 12 | $ 3,680,000 | $ 306,666 | $ 110,333 |
| Richmond, VA | 12 | $ 3,900,000 | $ 325,000 | $ 119,000 |
| Denver-Aurora-Lakewood, CO | 11 | $ 4,035,000 | $ 366,818 | $ 148,000 |
| Los Angeles-Long Beach-Glendale, CA | 11 | $ 5,025,000 | $ 456,818 | $ 130,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 11 | $ 4,485,000 | $ 407,727 | $ 159,000 |
| Wilmington, DE-MD-NJ | 11 | $ 2,645,000 | $ 240,454 | $ 78,818 |
| Cambridge-Newton-Framingham, MA | 10 | $ 4,010,000 | $ 401,000 | $ 198,000 |
| Hagerstown-Martinsburg, MD-WV | 10 | $ 2,490,000 | $ 249,000 | $ 84,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 3,415,000 | $ 379,444 | $ 139,000 |
| Kansas City, MO-KS | 9 | $ 2,965,000 | $ 329,444 | $ 118,333 |
| St. Louis, MO-IL | 9 | $ 2,835,000 | $ 315,000 | $ 79,111 |
| Tacoma-Lakewood, WA | 9 | $ 2,955,000 | $ 328,333 | $ 124,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 9 | $ 2,845,000 | $ 316,111 | $ 130,000 |
| Winchester, VA-WV | 9 | $ 2,855,000 | $ 317,222 | $ 90,666 |
| Colorado Springs, CO | 8 | $ 3,300,000 | $ 412,500 | $ 159,000 |
| Houston-The Woodlands-Sugar Land, TX | 8 | $ 3,040,000 | $ 380,000 | $ 184,000 |
| San Diego-Carlsbad, CA | 8 | $ 3,670,000 | $ 458,750 | $ 162,000 |
| Charleston-North Charleston, SC | 7 | $ 1,875,000 | $ 267,857 | $ 194,000 |
| Greenville-Anderson-Mauldin, SC | 7 | $ 2,135,000 | $ 305,000 | $ 101,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 2,585,000 | $ 369,285 | $ 276,000 |
| Pittsburgh, PA | 7 | $ 2,065,000 | $ 295,000 | $ 94,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 2,375,000 | $ 339,285 | $ 342,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 3,385,000 | $ 483,571 | $ 135,000 |
| Crestview-Fort Walton Beach-Destin, FL | 6 | $ 1,400,000 | $ 233,333 | $ 109,000 |
| Fayetteville, NC | 6 | $ 1,110,000 | $ 185,000 | $ 112,000 |
| Fort Worth-Arlington, TX | 6 | $ 1,790,000 | $ 298,333 | $ 161,000 |
| Indianapolis-Carmel-Anderson, IN | 6 | $ 1,510,000 | $ 251,666 | $ 72,000 |
| Oakland-Hayward-Berkeley, CA | 6 | $ 2,860,000 | $ 476,666 | $ 185,000 |
| Port St. Lucie, FL | 6 | $ 2,330,000 | $ 388,333 | $ 156,000 |
| Reno, NV | 6 | $ 1,970,000 | $ 328,333 | $ 96,000 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 1,480,000 | $ 246,666 | $ 86,000 |
| York-Hanover, PA | 6 | $ 1,140,000 | $ 190,000 | $ 54,000 |
| Columbus, OH | 5 | $ 1,175,000 | $ 235,000 | $ 86,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,375,000 | $ 275,000 | $ 62,000 |
| Durham-Chapel Hill, NC | 5 | $ 1,825,000 | $ 365,000 | $ 120,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 1,785,000 | $ 357,000 | $ 97,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,675,000 | $ 335,000 | $ 98,000 |
| San Antonio-New Braunfels, TX | 5 | $ 1,835,000 | $ 367,000 | $ 190,000 |
| Worcester, MA-CT | 5 | $ 2,015,000 | $ 403,000 | $ 334,000 |
| Austin-Round Rock, TX | 4 | $ 1,330,000 | $ 332,500 | $ 122,000 |
| Bakersfield, CA | 4 | $ 990,000 | $ 247,500 | $ 96,000 |
| Boise City, ID | 4 | $ 1,450,000 | $ 362,500 | $ 0 |
| California-Lexington Park, MD | 4 | $ 910,000 | $ 227,500 | $ 84,000 |
| Camden, NJ | 4 | $ 1,050,000 | $ 262,500 | $ 129,000 |
| Columbia, SC | 4 | $ 1,130,000 | $ 282,500 | $ 118,000 |
| El Paso, TX | 4 | $ 1,160,000 | $ 290,000 | $ 145,000 |
| Lakeland-Winter Haven, FL | 4 | $ 870,000 | $ 217,500 | $ 53,000 |
| New Bern, NC | 4 | $ 710,000 | $ 177,500 | $ 109,000 |
| New York-Newark, NY | 4 | $ 1,330,000 | $ 332,500 | $ 123,000 |
| Oklahoma City, OK | 4 | $ 1,030,000 | $ 257,500 | $ 65,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 880,000 | $ 220,000 | $ 77,000 |
| Philadelphia, PA | 4 | $ 1,290,000 | $ 322,500 | $ 43,000 |
| Providence-Warwick, RI-MA | 4 | $ 1,380,000 | $ 345,000 | $ 139,250 |
| Rocky Mount, NC | 4 | $ 1,010,000 | $ 252,500 | $ 81,000 |
| Shreveport-Bossier City, LA | 4 | $ 1,140,000 | $ 285,000 | $ 111,000 |
| Staunton-Waynesboro, VA | 4 | $ 1,170,000 | $ 292,500 | $ 111,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 905,000 | $ 301,666 | $ 180,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 1,685,000 | $ 561,666 | $ 199,000 |
| Barnstable Town, MA | 3 | $ 1,095,000 | $ 365,000 | $ 0 |
| Cincinnati, OH-KY-IN | 3 | $ 795,000 | $ 265,000 | $ 91,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 585,000 | $ 195,000 | $ 39,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 965,000 | $ 321,666 | $ 111,000 |
| Dover, DE | 3 | $ 755,000 | $ 251,666 | $ 67,000 |
| East Stroudsburg, PA | 3 | $ 905,000 | $ 301,666 | $ 103,000 |
| Flagstaff, AZ | 3 | $ 1,465,000 | $ 488,333 | $ 139,000 |
| Fort Collins, CO | 3 | $ 1,765,000 | $ 588,333 | $ 125,000 |
| Greeley, CO | 3 | $ 985,000 | $ 328,333 | $ 96,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 765,000 | $ 255,000 | $ 0 |
| Huntsville, AL | 3 | $ 1,085,000 | $ 361,666 | $ 112,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 595,000 | $ 198,333 | $ 49,000 |
| Lynchburg, VA | 3 | $ 975,000 | $ 325,000 | $ 178,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 595,000 | $ 198,333 | $ 73,666 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 1,255,000 | $ 418,333 | $ 136,666 |
| Ocala, FL | 3 | $ 465,000 | $ 155,000 | $ 0 |
| Ogden-Clearfield, UT | 3 | $ 1,055,000 | $ 351,666 | $ 70,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 945,000 | $ 315,000 | $ 54,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,135,000 | $ 378,333 | $ 136,000 |
| Spartanburg, SC | 3 | $ 825,000 | $ 275,000 | $ 42,000 |
| State College, PA | 3 | $ 875,000 | $ 291,666 | $ 75,000 |
| Toledo, OH | 3 | $ 755,000 | $ 251,666 | $ 53,000 |
| Albuquerque, NM | 2 | $ 820,000 | $ 410,000 | $ 0 |
| Birmingham-Hoover, AL | 2 | $ 420,000 | $ 210,000 | $ 48,000 |
| Bremerton-Silverdale, WA | 2 | $ 650,000 | $ 325,000 | $ 70,000 |
| Burlington, NC | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Chambersburg-Waynesboro, PA | 2 | $ 550,000 | $ 275,000 | $ 142,000 |
| Charlottesville, VA | 2 | $ 560,000 | $ 280,000 | $ 93,000 |
| Chattanooga, TN-GA | 2 | $ 570,000 | $ 285,000 | $ 129,000 |
| Cleveland-Elyria, OH | 2 | $ 530,000 | $ 265,000 | $ 131,000 |
| Corpus Christi, TX | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Eugene, OR | 2 | $ 590,000 | $ 295,000 | $ 60,000 |
| Gadsden, AL | 2 | $ 140,000 | $ 70,000 | $ 39,000 |
| Gainesville, GA | 2 | $ 700,000 | $ 350,000 | $ 176,000 |
| Gary, IN | 2 | $ 760,000 | $ 380,000 | $ 194,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 640,000 | $ 320,000 | $ 175,000 |
| Harrisonburg, VA | 2 | $ 390,000 | $ 195,000 | $ 97,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 720,000 | $ 360,000 | $ 128,000 |
| Jacksonville, NC | 2 | $ 160,000 | $ 80,000 | $ 59,000 |
| Killeen-Temple, TX | 2 | $ 490,000 | $ 245,000 | $ 85,000 |
| Lancaster, PA | 2 | $ 520,000 | $ 260,000 | $ 73,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 590,000 | $ 295,000 | $ 192,000 |
| Manchester-Nashua, NH | 2 | $ 620,000 | $ 310,000 | $ 88,000 |
| Memphis, TN-MS-AR | 2 | $ 580,000 | $ 290,000 | $ 145,000 |
| Merced, CA | 2 | $ 450,000 | $ 225,000 | $ 45,000 |
| Newark, NJ-PA | 2 | $ 1,260,000 | $ 630,000 | $ 0 |
| Norwich-New London, CT | 2 | $ 710,000 | $ 355,000 | $ 148,000 |
| Ocean City, NJ | 2 | $ 760,000 | $ 380,000 | $ 168,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 780,000 | $ 390,000 | $ 142,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 850,000 | $ 425,000 | $ 156,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 510,000 | $ 255,000 | $ 83,000 |
| Provo-Orem, UT | 2 | $ 650,000 | $ 325,000 | $ 125,000 |
| Pueblo, CO | 2 | $ 500,000 | $ 250,000 | $ 93,000 |
| Punta Gorda, FL | 2 | $ 710,000 | $ 355,000 | $ 143,000 |
| Salt Lake City, UT | 2 | $ 560,000 | $ 280,000 | $ 81,000 |
| Santa Fe, NM | 2 | $ 820,000 | $ 410,000 | $ 140,000 |
| Savannah, GA | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Spokane-Spokane Valley, WA | 2 | $ 550,000 | $ 275,000 | $ 92,000 |
| Sumter, SC | 2 | $ 540,000 | $ 270,000 | $ 152,000 |
| The Villages, FL | 2 | $ 520,000 | $ 260,000 | $ 108,000 |
| Tucson, AZ | 2 | $ 470,000 | $ 235,000 | $ 85,000 |
| Warner Robins, GA | 2 | $ 180,000 | $ 90,000 | $ 62,000 |
| Winston-Salem, NC | 2 | $ 390,000 | $ 195,000 | $ 100,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Alexandria, LA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Asheville, NC | 1 | $ 285,000 | $ 285,000 | $ 60,000 |
| Auburn-Opelika, AL | 1 | $ 325,000 | $ 325,000 | $ 85,000 |
| Baton Rouge, LA | 1 | $ 305,000 | $ 305,000 | $ 136,000 |
| Bismarck, ND | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Bloomington, IN | 1 | $ 295,000 | $ 295,000 | $ 184,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 555,000 | $ 555,000 | $ 158,000 |
| Canton-Massillon, OH | 1 | $ 335,000 | $ 335,000 | $ 202,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Carbondale-Marion, IL | 1 | $ 195,000 | $ 195,000 | $ 40,000 |
| Carson City, NV | 1 | $ 185,000 | $ 185,000 | $ 45,000 |
| Cheyenne, WY | 1 | $ 355,000 | $ 355,000 | $ 60,000 |
| Clarksville, TN-KY | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 275,000 | $ 275,000 | $ 86,000 |
| Cumberland, MD-WV | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Decatur, IL | 1 | $ 165,000 | $ 165,000 | $ 135,000 |
| Des Moines-West Des Moines, IA | 1 | $ 265,000 | $ 265,000 | $ 115,000 |
| Duluth, MN-WI | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Elgin, IL | 1 | $ 265,000 | $ 265,000 | $ 89,000 |
| Fort Smith, AR-OK | 1 | $ 195,000 | $ 195,000 | $ 46,000 |
| Gettysburg, PA | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Glens Falls, NY | 1 | $ 75,000 | $ 75,000 | $ 84,000 |
| Green Bay, WI | 1 | $ 365,000 | $ 365,000 | $ 59,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Hot Springs, AR | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Johnson City, TN | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 555,000 | $ 555,000 | $ 79,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 185,000 | $ 185,000 | $ 30,000 |
| Knoxville, TN | 1 | $ 245,000 | $ 245,000 | $ 145,000 |
| Lafayette, LA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 365,000 | $ 365,000 | $ 72,000 |
| Lansing-East Lansing, MI | 1 | $ 275,000 | $ 275,000 | $ 100,000 |
| Lebanon, PA | 1 | $ 145,000 | $ 145,000 | $ 243,000 |
| Lincoln, NE | 1 | $ 475,000 | $ 475,000 | $ 73,000 |
| Longview, WA | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Madison, WI | 1 | $ 235,000 | $ 235,000 | $ 141,000 |
| Mansfield, OH | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Medford, OR | 1 | $ 285,000 | $ 285,000 | $ 175,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 355,000 | $ 355,000 | $ 91,000 |
| Missoula, MT | 1 | $ 605,000 | $ 605,000 | $ 198,000 |
| Monroe, LA | 1 | $ 175,000 | $ 175,000 | $ 142,000 |
| Monroe, MI | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Montgomery, AL | 1 | $ 235,000 | $ 235,000 | $ 133,000 |
| Morristown, TN | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Napa, CA | 1 | $ 465,000 | $ 465,000 | $ 390,000 |
| Nassau County-Suffolk County, NY | 1 | $ 335,000 | $ 335,000 | $ 150,000 |
| New Haven-Milford, CT | 1 | $ 405,000 | $ 405,000 | $ 475,000 |
| New Orleans-Metairie, LA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Peoria, IL | 1 | $ 145,000 | $ 145,000 | $ 180,000 |
| Reading, PA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Redding, CA | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Roanoke, VA | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| Rockingham County-Strafford County, NH | 1 | $ 325,000 | $ 325,000 | $ 122,000 |
| Salem, OR | 1 | $ 275,000 | $ 275,000 | $ 125,000 |
| Salinas, CA | 1 | $ 345,000 | $ 345,000 | $ 90,000 |
| Sebring, FL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Sierra Vista-Douglas, AZ | 1 | $ 185,000 | $ 185,000 | $ 96,000 |
| Springfield, MO | 1 | $ 195,000 | $ 195,000 | $ 0 |
| St. George, UT | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Tyler, TX | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Urban Honolulu, HI | 1 | $ 545,000 | $ 545,000 | $ 148,000 |
| Visalia-Porterville, CA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Waco, TX | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Walla Walla, WA | 1 | $ 325,000 | $ 325,000 | $ 94,000 |
| Yakima, WA | 1 | $ 245,000 | $ 245,000 | $ 59,000 |
| Yuba City, CA | 1 | $ 315,000 | $ 315,000 | $ 0 |
Mortgage Loan Application Detail Totals for Capital Bank, N.A. in 2019
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,285 | $416,045,000 | $323,000 | $1,605,000 | $113,000 | $2,188,000 |
| Refinancing | 803 | $336,615,000 | $419,000 | $6,405,000 | $159,000 | $993,000 |
| Cash-out Refinancing | 392 | $134,390,000 | $342,000 | $2,125,000 | $127,000 | $1,190,000 |
| Other Purpose | 1 | $255,000 | $255,000 | $255,000 | $242,000 | $242,000 |
| 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 | 1,281 | $453,835,000 | $354,000 | $1,605,000 | $138,000 | $2,188,000 |
| Black or African American | 506 | $151,380,000 | $299,000 | $2,125,000 | $88,000 | $656,000 |
| Not Provided | 318 | $116,690,000 | $366,000 | $1,525,000 | $150,000 | $893,000 |
| Hispanic | 172 | $52,060,000 | $302,000 | $725,000 | $88,000 | $299,000 |
| Asian | 104 | $39,720,000 | $381,000 | $1,695,000 | $137,000 | $436,000 |
| Not applicable | 59 | $55,465,000 | $940,000 | $6,405,000 | $0 | $0 |
| American Indian or Alaskan Native | 9 | $4,555,000 | $506,000 | $1,685,000 | $157,000 | $620,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $395,000 | $395,000 | $395,000 | $137,000 | $137,000 |
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) | 1,292 | $502,180,000 | $388,000 | $6,405,000 | $143,000 | $2,188,000 |
| VA-guaranteed (Veterans Administration) | 763 | $271,945,000 | $356,000 | $1,215,000 | $114,000 | $436,000 |
| FHA-insured (Federal Housing Administration) | 392 | $104,930,000 | $267,000 | $685,000 | $80,000 | $261,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $8,250,000 | $242,000 | $575,000 | $72,000 | $143,000 |
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 | 1,778 | $657,390,000 | $369,000 | $6,405,000 | $126,000 | $2,188,000 |
| Application Withdrawn By Applicant | 499 | $166,045,000 | $332,000 | $2,125,000 | $123,000 | $1,159,000 |
| File Closed For Incompleteness | 99 | $33,175,000 | $335,000 | $815,000 | $136,000 | $500,000 |
| Application Denied By Financial Institution | 84 | $25,290,000 | $301,000 | $1,245,000 | $95,000 | $495,000 |
| Application Approved But Not Accepted | 21 | $5,405,000 | $257,000 | $575,000 | $121,000 | $321,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 | 2,397 | $862,015,000 | $359,000 | $6,405,000 | $126,000 | $2,188,000 |
| Debt-To-Income Ratio | 35 | $10,275,000 | $293,000 | $715,000 | $71,000 | $269,000 |
| Credit History | 16 | $4,750,000 | $296,000 | $715,000 | $104,000 | $330,000 |
| Collateral | 14 | $2,910,000 | $207,000 | $435,000 | $83,000 | $125,000 |
| Other | 10 | $3,960,000 | $396,000 | $1,215,000 | $193,000 | $384,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,425,000 | $285,000 | $375,000 | $89,000 | $156,000 |
| Unverifiable Information | 3 | $725,000 | $241,000 | $315,000 | $55,000 | $77,000 |
| Employment History | 1 | $1,245,000 | $1,245,000 | $1,245,000 | $495,000 | $495,000 |
| 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 2019 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.
For a list of all lenders in Maryland, download the full spreadsheet
with aggregated HMDA statistics today.
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