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Act (HMDA) records Capital Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,434 | $ 629,950,000 | $ 439,295 | $ 151,358 |
| Baltimore-Columbia-Towson, MD | 587 | $ 199,465,000 | $ 339,804 | $ 146,000 |
| Salisbury, MD-DE | 501 | $ 183,455,000 | $ 366,177 | $ 179,976 |
| Washington-Baltimore-Arlington, DC | 316 | $ 143,170,000 | $ 453,069 | $ 189,000 |
| Outside any metro area | 156 | $ 45,190,000 | $ 289,679 | $ 126,272 |
| Dover, DE | 142 | $ 35,710,000 | $ 251,478 | $ 88,000 |
| Raleigh, NC | 91 | $ 31,895,000 | $ 350,494 | $ 133,000 |
| Orlando-Kissimmee-Sanford, FL | 71 | $ 19,465,000 | $ 274,154 | $ 102,000 |
| Wilmington, DE-MD-NJ | 69 | $ 18,395,000 | $ 266,594 | $ 134,101 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 45 | $ 14,525,000 | $ 322,777 | $ 133,000 |
| Atlanta-Sandy Springs-Roswell, GA | 38 | $ 11,510,000 | $ 302,894 | $ 133,000 |
| Tampa-St. Petersburg-Clearwater, FL | 38 | $ 11,880,000 | $ 312,631 | $ 121,000 |
| Montgomery County-Bucks County-Chester County, PA | 35 | $ 11,155,000 | $ 318,714 | $ 158,000 |
| Richmond, VA | 34 | $ 12,430,000 | $ 365,588 | $ 131,000 |
| Charlotte-Concord-Gastonia, NC-SC | 31 | $ 11,355,000 | $ 366,290 | $ 174,870 |
| Phoenix-Mesa-Scottsdale, AZ | 31 | $ 10,975,000 | $ 354,032 | $ 118,000 |
| Boston, MA | 30 | $ 13,990,000 | $ 466,333 | $ 165,000 |
| Cambridge-Newton-Framingham, MA | 25 | $ 10,915,000 | $ 436,600 | $ 139,000 |
| Las Vegas-Henderson-Paradise, NV | 25 | $ 9,295,000 | $ 371,800 | $ 116,000 |
| New York-Newark, NY | 24 | $ 10,090,000 | $ 420,416 | $ 203,000 |
| Los Angeles-Long Beach-Glendale, CA | 23 | $ 11,745,000 | $ 510,652 | $ 183,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 23 | $ 7,415,000 | $ 322,391 | $ 113,000 |
| Kansas City, MO-KS | 22 | $ 7,590,000 | $ 345,000 | $ 133,090 |
| San Diego-Carlsbad, CA | 22 | $ 11,800,000 | $ 536,363 | $ 185,000 |
| Houston-The Woodlands-Sugar Land, TX | 21 | $ 6,505,000 | $ 309,761 | $ 132,000 |
| Hagerstown-Martinsburg, MD-WV | 20 | $ 5,070,000 | $ 253,500 | $ 91,500 |
| Jacksonville, FL | 20 | $ 5,420,000 | $ 271,000 | $ 96,000 |
| San Antonio-New Braunfels, TX | 20 | $ 6,110,000 | $ 305,500 | $ 133,000 |
| Dallas-Plano-Irving, TX | 19 | $ 6,495,000 | $ 341,842 | $ 121,000 |
| Denver-Aurora-Lakewood, CO | 19 | $ 8,755,000 | $ 460,789 | $ 240,000 |
| Chicago-Naperville, IL | 18 | $ 5,990,000 | $ 332,777 | $ 166,000 |
| Colorado Springs, CO | 18 | $ 7,550,000 | $ 419,444 | $ 136,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 18 | $ 7,710,000 | $ 428,333 | $ 135,000 |
| Philadelphia, PA | 18 | $ 4,320,000 | $ 240,000 | $ 189,000 |
| St. Louis, MO-IL | 18 | $ 5,440,000 | $ 302,222 | $ 100,611 |
| Riverside-San Bernardino-Ontario, CA | 16 | $ 6,100,000 | $ 381,250 | $ 112,000 |
| Austin-Round Rock, TX | 14 | $ 5,750,000 | $ 410,714 | $ 192,000 |
| Charleston-North Charleston, SC | 14 | $ 5,240,000 | $ 374,285 | $ 157,000 |
| Durham-Chapel Hill, NC | 14 | $ 5,080,000 | $ 362,857 | $ 106,000 |
| Newark, NJ-PA | 14 | $ 5,980,000 | $ 427,142 | $ 230,000 |
| Fort Worth-Arlington, TX | 13 | $ 4,735,000 | $ 364,230 | $ 126,000 |
| Greenville-Anderson-Mauldin, SC | 13 | $ 4,185,000 | $ 321,923 | $ 136,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 13 | $ 3,785,000 | $ 291,153 | $ 147,307 |
| New York-Jersey City-White Plains, NY-NJ | 13 | $ 5,685,000 | $ 437,307 | $ 246,692 |
| Seattle-Bellevue-Everett, WA | 13 | $ 6,305,000 | $ 485,000 | $ 176,000 |
| York-Hanover, PA | 12 | $ 3,560,000 | $ 296,666 | $ 94,000 |
| Cincinnati, OH-KY-IN | 11 | $ 3,435,000 | $ 312,272 | $ 168,000 |
| Crestview-Fort Walton Beach-Destin, FL | 11 | $ 4,915,000 | $ 446,818 | $ 232,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 11 | $ 3,245,000 | $ 295,000 | $ 118,000 |
| Oakland-Hayward-Berkeley, CA | 11 | $ 4,945,000 | $ 449,545 | $ 189,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 3,075,000 | $ 279,545 | $ 133,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 11 | $ 4,145,000 | $ 376,818 | $ 144,000 |
| Salt Lake City, UT | 11 | $ 4,805,000 | $ 436,818 | $ 106,000 |
| Tacoma-Lakewood, WA | 11 | $ 3,885,000 | $ 353,181 | $ 116,000 |
| Winchester, VA-WV | 11 | $ 3,285,000 | $ 298,636 | $ 136,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 2,730,000 | $ 273,000 | $ 127,000 |
| Indianapolis-Carmel-Anderson, IN | 10 | $ 2,900,000 | $ 290,000 | $ 152,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 10 | $ 3,950,000 | $ 395,000 | $ 104,000 |
| Fort Collins, CO | 9 | $ 4,565,000 | $ 507,222 | $ 152,000 |
| Miami-Miami Beach-Kendall, FL | 9 | $ 3,145,000 | $ 349,444 | $ 73,000 |
| Oklahoma City, OK | 9 | $ 2,705,000 | $ 300,555 | $ 89,000 |
| Pittsburgh, PA | 9 | $ 3,305,000 | $ 367,222 | $ 167,000 |
| Albuquerque, NM | 8 | $ 2,470,000 | $ 308,750 | $ 146,000 |
| Anaheim-Santa Ana-Irvine, CA | 8 | $ 4,670,000 | $ 583,750 | $ 156,000 |
| Augusta-Richmond County, GA-SC | 8 | $ 1,930,000 | $ 241,250 | $ 88,000 |
| Bridgeport-Stamford-Norwalk, CT | 8 | $ 3,000,000 | $ 375,000 | $ 165,000 |
| Charlottesville, VA | 8 | $ 4,100,000 | $ 512,500 | $ 208,000 |
| Columbus, OH | 8 | $ 2,010,000 | $ 251,250 | $ 76,000 |
| Hartford-West Hartford-East Hartford, CT | 8 | $ 1,890,000 | $ 236,250 | $ 146,000 |
| Lancaster, PA | 8 | $ 2,250,000 | $ 281,250 | $ 166,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 2,570,000 | $ 321,250 | $ 169,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 8 | $ 4,640,000 | $ 580,000 | $ 280,000 |
| California-Lexington Park, MD | 7 | $ 2,575,000 | $ 367,857 | $ 102,000 |
| Fayetteville, NC | 7 | $ 1,765,000 | $ 252,142 | $ 0 |
| Harrisburg-Carlisle, PA | 7 | $ 1,475,000 | $ 210,714 | $ 152,000 |
| Prescott Valley-Prescott, AZ | 7 | $ 2,125,000 | $ 303,571 | $ 55,000 |
| Reno, NV | 7 | $ 2,705,000 | $ 386,428 | $ 124,000 |
| Rockingham County-Strafford County, NH | 7 | $ 2,865,000 | $ 409,285 | $ 135,000 |
| Worcester, MA-CT | 7 | $ 3,285,000 | $ 469,285 | $ 246,571 |
| Boise City, ID | 6 | $ 1,720,000 | $ 286,666 | $ 90,000 |
| Knoxville, TN | 6 | $ 2,280,000 | $ 380,000 | $ 183,000 |
| Lakeland-Winter Haven, FL | 6 | $ 2,230,000 | $ 371,666 | $ 188,000 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 2,070,000 | $ 345,000 | $ 98,000 |
| Nassau County-Suffolk County, NY | 6 | $ 2,330,000 | $ 388,333 | $ 217,000 |
| New Orleans-Metairie, LA | 6 | $ 2,290,000 | $ 381,666 | $ 124,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 1,900,000 | $ 316,666 | $ 119,000 |
| Providence-Warwick, RI-MA | 6 | $ 2,010,000 | $ 335,000 | $ 101,500 |
| Salem, OR | 6 | $ 1,560,000 | $ 260,000 | $ 91,000 |
| Toledo, OH | 6 | $ 1,790,000 | $ 298,333 | $ 126,000 |
| Tucson, AZ | 6 | $ 1,390,000 | $ 231,666 | $ 62,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 1,870,000 | $ 311,666 | $ 127,000 |
| Chambersburg-Waynesboro, PA | 5 | $ 1,435,000 | $ 287,000 | $ 71,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 1,065,000 | $ 213,000 | $ 443,000 |
| Salinas, CA | 5 | $ 3,385,000 | $ 677,000 | $ 295,000 |
| Savannah, GA | 5 | $ 1,475,000 | $ 295,000 | $ 149,000 |
| Sierra Vista-Douglas, AZ | 5 | $ 965,000 | $ 193,000 | $ 73,000 |
| Wilmington, NC | 5 | $ 1,545,000 | $ 309,000 | $ 152,000 |
| Camden, NJ | 4 | $ 1,320,000 | $ 330,000 | $ 292,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,350,000 | $ 337,500 | $ 183,000 |
| Columbia, SC | 4 | $ 1,100,000 | $ 275,000 | $ 170,000 |
| Gary, IN | 4 | $ 1,230,000 | $ 307,500 | $ 78,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 1,140,000 | $ 285,000 | $ 132,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 1,290,000 | $ 322,500 | $ 126,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 830,000 | $ 207,500 | $ 99,000 |
| Manchester-Nashua, NH | 4 | $ 1,480,000 | $ 370,000 | $ 154,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 1,380,000 | $ 345,000 | $ 100,000 |
| Portland-South Portland, ME | 4 | $ 1,510,000 | $ 377,500 | $ 129,000 |
| Punta Gorda, FL | 4 | $ 920,000 | $ 230,000 | $ 56,000 |
| St. George, UT | 4 | $ 1,250,000 | $ 312,500 | $ 100,000 |
| Urban Honolulu, HI | 4 | $ 2,290,000 | $ 572,500 | $ 241,000 |
| Warner Robins, GA | 4 | $ 770,000 | $ 192,500 | $ 61,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 910,000 | $ 227,500 | $ 154,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 495,000 | $ 165,000 | $ 115,000 |
| Asheville, NC | 3 | $ 1,275,000 | $ 425,000 | $ 263,000 |
| Auburn-Opelika, AL | 3 | $ 625,000 | $ 208,333 | $ 71,000 |
| Bangor, ME | 3 | $ 965,000 | $ 321,666 | $ 138,000 |
| Boulder, CO | 3 | $ 1,655,000 | $ 551,666 | $ 152,000 |
| Bremerton-Silverdale, WA | 3 | $ 875,000 | $ 291,666 | $ 513,000 |
| Cheyenne, WY | 3 | $ 1,095,000 | $ 365,000 | $ 143,000 |
| Cleveland-Elyria, OH | 3 | $ 705,000 | $ 235,000 | $ 99,000 |
| El Paso, TX | 3 | $ 585,000 | $ 195,000 | $ 89,000 |
| Elizabethtown-Fort Knox, KY | 3 | $ 915,000 | $ 305,000 | $ 126,000 |
| Gainesville, GA | 3 | $ 1,325,000 | $ 441,666 | $ 0 |
| Huntsville, AL | 3 | $ 1,085,000 | $ 361,666 | $ 220,000 |
| Jacksonville, NC | 3 | $ 895,000 | $ 298,333 | $ 248,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 985,000 | $ 328,333 | $ 161,000 |
| Monroe, MI | 3 | $ 745,000 | $ 248,333 | $ 163,000 |
| New Bern, NC | 3 | $ 635,000 | $ 211,666 | $ 129,000 |
| Norwich-New London, CT | 3 | $ 1,095,000 | $ 365,000 | $ 177,000 |
| Ocean City, NJ | 3 | $ 585,000 | $ 195,000 | $ 108,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,335,000 | $ 445,000 | $ 98,000 |
| Port St. Lucie, FL | 3 | $ 685,000 | $ 228,333 | $ 90,000 |
| Roanoke, VA | 3 | $ 685,000 | $ 228,333 | $ 85,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,425,000 | $ 475,000 | $ 94,000 |
| Shreveport-Bossier City, LA | 3 | $ 715,000 | $ 238,333 | $ 156,000 |
| Springfield, MA | 3 | $ 1,015,000 | $ 338,333 | $ 142,000 |
| Albany, GA | 2 | $ 1,050,000 | $ 525,000 | $ 241,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 440,000 | $ 220,000 | $ 68,000 |
| Barnstable Town, MA | 2 | $ 590,000 | $ 295,000 | $ 272,000 |
| Baton Rouge, LA | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Burlington, NC | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Clarksville, TN-KY | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Cleveland, TN | 2 | $ 590,000 | $ 295,000 | $ 68,000 |
| Coeur D'Alene, ID | 2 | $ 730,000 | $ 365,000 | $ 82,000 |
| Columbus, GA-AL | 2 | $ 460,000 | $ 230,000 | $ 0 |
| Dayton-Springfield-Kettering, OH | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Des Moines-West Des Moines, IA | 2 | $ 420,000 | $ 210,000 | $ 64,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 340,000 | $ 170,000 | $ 101,000 |
| East Stroudsburg, PA | 2 | $ 370,000 | $ 185,000 | $ 332,000 |
| Gainesville, FL | 2 | $ 630,000 | $ 315,000 | $ 120,000 |
| Greenville, NC | 2 | $ 510,000 | $ 255,000 | $ 178,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 660,000 | $ 330,000 | $ 0 |
| Killeen-Temple, TX | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 2 | $ 560,000 | $ 280,000 | $ 60,000 |
| Lawton, OK | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Lexington-Fayette, KY | 2 | $ 570,000 | $ 285,000 | $ 144,000 |
| Madison, WI | 2 | $ 660,000 | $ 330,000 | $ 129,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Medford, OR | 2 | $ 490,000 | $ 245,000 | $ 151,000 |
| Memphis, TN-MS-AR | 2 | $ 690,000 | $ 345,000 | $ 85,000 |
| Midland, TX | 2 | $ 670,000 | $ 335,000 | $ 69,000 |
| Montgomery, AL | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Ogden-Clearfield, UT | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Panama City, FL | 2 | $ 700,000 | $ 350,000 | $ 0 |
| Reading, PA | 2 | $ 420,000 | $ 210,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 880,000 | $ 440,000 | $ 204,000 |
| Santa Fe, NM | 2 | $ 700,000 | $ 350,000 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 480,000 | $ 240,000 | $ 114,000 |
| Sebastian-Vero Beach, FL | 2 | $ 660,000 | $ 330,000 | $ 198,000 |
| Spartanburg, SC | 2 | $ 700,000 | $ 350,000 | $ 122,000 |
| Spokane-Spokane Valley, WA | 2 | $ 670,000 | $ 335,000 | $ 60,000 |
| State College, PA | 2 | $ 380,000 | $ 190,000 | $ 135,000 |
| Staunton-Waynesboro, VA | 2 | $ 540,000 | $ 270,000 | $ 99,000 |
| Stockton-Lodi, CA | 2 | $ 990,000 | $ 495,000 | $ 139,000 |
| The Villages, FL | 2 | $ 460,000 | $ 230,000 | $ 64,000 |
| Trenton, NJ | 2 | $ 670,000 | $ 335,000 | $ 130,000 |
| Tulsa, OK | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Vallejo-Fairfield, CA | 2 | $ 1,010,000 | $ 505,000 | $ 187,000 |
| Walla Walla, WA | 2 | $ 490,000 | $ 245,000 | $ 183,000 |
| Wichita, KS | 2 | $ 660,000 | $ 330,000 | $ 164,000 |
| Albany, OR | 1 | $ 355,000 | $ 355,000 | $ 120,000 |
| Ames, IA | 1 | $ 245,000 | $ 245,000 | $ 196,000 |
| Anchorage, AK | 1 | $ 545,000 | $ 545,000 | $ 175,000 |
| Ann Arbor, MI | 1 | $ 515,000 | $ 515,000 | $ 178,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 185,000 | $ 185,000 | $ 126,000 |
| Bend-Redmond, OR | 1 | $ 515,000 | $ 515,000 | $ 265,000 |
| Birmingham-Hoover, AL | 1 | $ 325,000 | $ 325,000 | $ 101,000 |
| Bloomington, IL | 1 | $ 225,000 | $ 225,000 | $ 305,000 |
| Brownsville-Harlingen, TX | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 265,000 | $ 265,000 | $ 67,000 |
| Chattanooga, TN-GA | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Columbia, MO | 1 | $ 65,000 | $ 65,000 | $ 208,000 |
| Corpus Christi, TX | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Dothan, AL | 1 | $ 225,000 | $ 225,000 | $ 77,000 |
| Duluth, MN-WI | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Eau Claire, WI | 1 | $ 255,000 | $ 255,000 | $ 97,000 |
| Erie, PA | 1 | $ 145,000 | $ 145,000 | $ 127,000 |
| Fargo, ND-MN | 1 | $ 175,000 | $ 175,000 | $ 46,000 |
| Gettysburg, PA | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Goldsboro, NC | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Grand Junction, CO | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Great Falls, MT | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Green Bay, WI | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 255,000 | $ 255,000 | $ 123,000 |
| Homosassa Springs, FL | 1 | $ 185,000 | $ 185,000 | $ 59,000 |
| Jackson, MS | 1 | $ 245,000 | $ 245,000 | $ 68,000 |
| Johnson City, TN | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Jonesboro, AR | 1 | $ 255,000 | $ 255,000 | $ 121,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 535,000 | $ 535,000 | $ 100,000 |
| Kalamazoo-Portage, MI | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Kennewick-Richland, WA | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Lafayette-West Lafayette, IN | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Laredo, TX | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Las Cruces, NM | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Lebanon, PA | 1 | $ 315,000 | $ 315,000 | $ 134,000 |
| Lincoln, NE | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Longview, WA | 1 | $ 215,000 | $ 215,000 | $ 2,508,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Lynchburg, VA | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Madera, CA | 1 | $ 295,000 | $ 295,000 | $ 76,000 |
| Michigan City-La Porte, IN | 1 | $ 295,000 | $ 295,000 | $ 97,000 |
| Modesto, CA | 1 | $ 345,000 | $ 345,000 | $ 127,000 |
| Morgantown, WV | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Ocala, FL | 1 | $ 195,000 | $ 195,000 | $ 77,000 |
| Olympia-Tumwater, WA | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Parkersburg-Vienna, WV | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Peoria, IL | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 275,000 | $ 275,000 | $ 74,000 |
| Rockford, IL | 1 | $ 275,000 | $ 275,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Santa Rosa, CA | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Sebring, FL | 1 | $ 325,000 | $ 325,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 275,000 | $ 275,000 | $ 174,000 |
| Springfield, MO | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
| St. Joseph, MO-KS | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Sumter, SC | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Tallahassee, FL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| Twin Falls, ID | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Yakima, WA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 225,000 | $ 225,000 | $ 212,000 |
| Yuba City, CA | 1 | $ 485,000 | $ 485,000 | $ 0 |
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.
For a list of all lenders in Maryland, download the full spreadsheet
with aggregated HMDA statistics today.
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