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Act (HMDA) records Capital Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,091 | $ 506,625,000 | $ 464,367 | $ 140,812 |
| Salisbury, MD-DE | 440 | $ 187,120,000 | $ 425,272 | $ 221,136 |
| Baltimore-Columbia-Towson, MD | 378 | $ 125,660,000 | $ 332,433 | $ 123,000 |
| Washington-Baltimore-Arlington, DC | 220 | $ 98,980,000 | $ 449,909 | $ 192,000 |
| Outside any metro area | 116 | $ 36,820,000 | $ 317,413 | $ 143,649 |
| Orlando-Kissimmee-Sanford, FL | 45 | $ 13,505,000 | $ 300,111 | $ 96,000 |
| Cambridge-Newton-Framingham, MA | 44 | $ 17,850,000 | $ 405,681 | $ 192,000 |
| Atlanta-Sandy Springs-Roswell, GA | 43 | $ 12,615,000 | $ 293,372 | $ 181,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 34 | $ 13,260,000 | $ 390,000 | $ 178,235 |
| Montgomery County-Bucks County-Chester County, PA | 32 | $ 9,350,000 | $ 292,187 | $ 132,000 |
| Tampa-St. Petersburg-Clearwater, FL | 32 | $ 9,980,000 | $ 311,875 | $ 132,000 |
| Providence-Warwick, RI-MA | 22 | $ 6,810,000 | $ 309,545 | $ 123,363 |
| Raleigh, NC | 22 | $ 7,760,000 | $ 352,727 | $ 196,000 |
| Boston, MA | 21 | $ 9,125,000 | $ 434,523 | $ 152,000 |
| Denver-Aurora-Lakewood, CO | 21 | $ 7,955,000 | $ 378,809 | $ 112,000 |
| Wilmington, DE-MD-NJ | 21 | $ 6,255,000 | $ 297,857 | $ 129,904 |
| Houston-The Woodlands-Sugar Land, TX | 20 | $ 5,480,000 | $ 274,000 | $ 158,000 |
| Phoenix-Mesa-Scottsdale, AZ | 20 | $ 8,000,000 | $ 400,000 | $ 137,000 |
| Charlotte-Concord-Gastonia, NC-SC | 17 | $ 5,205,000 | $ 306,176 | $ 118,647 |
| Dover, DE | 17 | $ 4,815,000 | $ 283,235 | $ 136,000 |
| Jacksonville, FL | 17 | $ 3,985,000 | $ 234,411 | $ 136,000 |
| Kansas City, MO-KS | 17 | $ 5,235,000 | $ 307,941 | $ 103,647 |
| Miami-Miami Beach-Kendall, FL | 17 | $ 7,195,000 | $ 423,235 | $ 173,000 |
| Philadelphia, PA | 17 | $ 7,735,000 | $ 455,000 | $ 170,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 16 | $ 5,600,000 | $ 350,000 | $ 165,000 |
| Hagerstown-Martinsburg, MD-WV | 16 | $ 4,060,000 | $ 253,750 | $ 109,500 |
| Los Angeles-Long Beach-Glendale, CA | 16 | $ 9,170,000 | $ 573,125 | $ 192,000 |
| Worcester, MA-CT | 16 | $ 5,570,000 | $ 348,125 | $ 105,062 |
| Pittsburgh, PA | 15 | $ 3,335,000 | $ 222,333 | $ 139,000 |
| Dallas-Plano-Irving, TX | 14 | $ 6,900,000 | $ 492,857 | $ 166,000 |
| Hartford-West Hartford-East Hartford, CT | 14 | $ 3,700,000 | $ 264,285 | $ 113,000 |
| Richmond, VA | 14 | $ 3,720,000 | $ 265,714 | $ 168,000 |
| York-Hanover, PA | 14 | $ 3,300,000 | $ 235,714 | $ 87,000 |
| Austin-Round Rock, TX | 13 | $ 4,285,000 | $ 329,615 | $ 146,000 |
| Charleston-North Charleston, SC | 13 | $ 4,295,000 | $ 330,384 | $ 138,000 |
| Las Vegas-Henderson-Paradise, NV | 13 | $ 4,585,000 | $ 352,692 | $ 88,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 13 | $ 4,805,000 | $ 369,615 | $ 135,000 |
| Rockingham County-Strafford County, NH | 13 | $ 4,365,000 | $ 335,769 | $ 309,000 |
| Winchester, VA-WV | 13 | $ 3,185,000 | $ 245,000 | $ 110,769 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 12 | $ 4,150,000 | $ 345,833 | $ 116,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 12 | $ 2,630,000 | $ 219,166 | $ 101,750 |
| Fort Worth-Arlington, TX | 11 | $ 3,345,000 | $ 304,090 | $ 141,363 |
| Portland-South Portland, ME | 11 | $ 4,085,000 | $ 371,363 | $ 129,000 |
| San Antonio-New Braunfels, TX | 11 | $ 3,295,000 | $ 299,545 | $ 105,000 |
| Camden, NJ | 10 | $ 2,970,000 | $ 297,000 | $ 143,000 |
| Chicago-Naperville, IL | 10 | $ 3,040,000 | $ 304,000 | $ 153,000 |
| Colorado Springs, CO | 10 | $ 3,930,000 | $ 393,000 | $ 135,000 |
| New York-Newark, NY | 9 | $ 3,705,000 | $ 411,666 | $ 215,000 |
| Oakland-Hayward-Berkeley, CA | 9 | $ 4,735,000 | $ 526,111 | $ 282,000 |
| San Diego-Carlsbad, CA | 9 | $ 3,125,000 | $ 347,222 | $ 101,000 |
| Lakeland-Winter Haven, FL | 8 | $ 1,110,000 | $ 138,750 | $ 89,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 8 | $ 3,290,000 | $ 411,250 | $ 191,000 |
| Salt Lake City, UT | 8 | $ 3,110,000 | $ 388,750 | $ 145,000 |
| Seattle-Bellevue-Everett, WA | 8 | $ 4,010,000 | $ 501,250 | $ 151,000 |
| Lancaster, PA | 7 | $ 1,755,000 | $ 250,714 | $ 95,000 |
| Manchester-Nashua, NH | 7 | $ 2,505,000 | $ 357,857 | $ 194,000 |
| New York-Jersey City-White Plains, NY-NJ | 7 | $ 2,885,000 | $ 412,142 | $ 173,714 |
| Newark, NJ-PA | 7 | $ 3,005,000 | $ 429,285 | $ 264,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 3,275,000 | $ 467,857 | $ 118,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 2,105,000 | $ 300,714 | $ 591,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 7 | $ 3,295,000 | $ 470,714 | $ 137,857 |
| Reno, NV | 7 | $ 3,525,000 | $ 503,571 | $ 115,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 2,005,000 | $ 286,428 | $ 86,000 |
| Tacoma-Lakewood, WA | 7 | $ 2,345,000 | $ 335,000 | $ 196,000 |
| Warren-Troy-Farmington Hills, MI | 7 | $ 2,005,000 | $ 286,428 | $ 95,000 |
| Albuquerque, NM | 6 | $ 1,640,000 | $ 273,333 | $ 201,000 |
| Columbus, OH | 6 | $ 1,970,000 | $ 328,333 | $ 90,000 |
| Crestview-Fort Walton Beach-Destin, FL | 6 | $ 1,390,000 | $ 231,666 | $ 134,000 |
| New Haven-Milford, CT | 6 | $ 2,190,000 | $ 365,000 | $ 116,000 |
| Toledo, OH | 6 | $ 1,950,000 | $ 325,000 | $ 175,000 |
| Wilmington, NC | 6 | $ 2,970,000 | $ 495,000 | $ 213,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 1,105,000 | $ 221,000 | $ 88,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 1,485,000 | $ 297,000 | $ 129,000 |
| Barnstable Town, MA | 5 | $ 1,335,000 | $ 267,000 | $ 176,000 |
| California-Lexington Park, MD | 5 | $ 1,875,000 | $ 375,000 | $ 89,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,775,000 | $ 355,000 | $ 79,000 |
| Charlottesville, VA | 5 | $ 1,585,000 | $ 317,000 | $ 203,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,225,000 | $ 245,000 | $ 108,000 |
| Durham-Chapel Hill, NC | 5 | $ 1,665,000 | $ 333,000 | $ 145,000 |
| Greenville-Anderson-Mauldin, SC | 5 | $ 1,425,000 | $ 285,000 | $ 81,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 1,135,000 | $ 227,000 | $ 83,000 |
| New Orleans-Metairie, LA | 5 | $ 1,635,000 | $ 327,000 | $ 119,000 |
| Savannah, GA | 5 | $ 1,385,000 | $ 277,000 | $ 201,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 2,000,000 | $ 500,000 | $ 188,000 |
| Bangor, ME | 4 | $ 840,000 | $ 210,000 | $ 157,000 |
| Bremerton-Silverdale, WA | 4 | $ 1,240,000 | $ 310,000 | $ 169,000 |
| El Paso, TX | 4 | $ 660,000 | $ 165,000 | $ 42,000 |
| Fort Collins, CO | 4 | $ 1,850,000 | $ 462,500 | $ 40,000 |
| Huntsville, AL | 4 | $ 1,400,000 | $ 350,000 | $ 177,000 |
| Knoxville, TN | 4 | $ 850,000 | $ 212,500 | $ 63,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,740,000 | $ 435,000 | $ 304,000 |
| Ocala, FL | 4 | $ 550,000 | $ 137,500 | $ 45,000 |
| Prescott Valley-Prescott, AZ | 4 | $ 1,010,000 | $ 252,500 | $ 67,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 930,000 | $ 232,500 | $ 93,000 |
| Sierra Vista-Douglas, AZ | 4 | $ 860,000 | $ 215,000 | $ 0 |
| St. Louis, MO-IL | 4 | $ 900,000 | $ 225,000 | $ 84,000 |
| Boise City, ID | 3 | $ 1,285,000 | $ 428,333 | $ 135,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 695,000 | $ 231,666 | $ 140,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 905,000 | $ 301,666 | $ 0 |
| Fayetteville, NC | 3 | $ 445,000 | $ 148,333 | $ 85,000 |
| Flagstaff, AZ | 3 | $ 1,115,000 | $ 371,666 | $ 119,000 |
| Fresno, CA | 3 | $ 1,045,000 | $ 348,333 | $ 117,000 |
| Harrisburg-Carlisle, PA | 3 | $ 495,000 | $ 165,000 | $ 121,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 655,000 | $ 218,333 | $ 96,000 |
| Jacksonville, NC | 3 | $ 865,000 | $ 288,333 | $ 313,000 |
| Lawton, OK | 3 | $ 725,000 | $ 241,666 | $ 52,000 |
| Memphis, TN-MS-AR | 3 | $ 615,000 | $ 205,000 | $ 96,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 905,000 | $ 301,666 | $ 143,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 1,225,000 | $ 408,333 | $ 145,000 |
| Nassau County-Suffolk County, NY | 3 | $ 1,275,000 | $ 425,000 | $ 139,000 |
| Ogden-Clearfield, UT | 3 | $ 825,000 | $ 275,000 | $ 92,000 |
| Olympia-Tumwater, WA | 3 | $ 755,000 | $ 251,666 | $ 169,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,505,000 | $ 501,666 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 725,000 | $ 241,666 | $ 89,000 |
| Punta Gorda, FL | 3 | $ 755,000 | $ 251,666 | $ 175,000 |
| Santa Rosa, CA | 3 | $ 1,415,000 | $ 471,666 | $ 114,000 |
| Springfield, MO | 3 | $ 825,000 | $ 275,000 | $ 75,000 |
| State College, PA | 3 | $ 595,000 | $ 198,333 | $ 91,000 |
| Stockton-Lodi, CA | 3 | $ 1,075,000 | $ 358,333 | $ 207,000 |
| The Villages, FL | 3 | $ 595,000 | $ 198,333 | $ 61,000 |
| Tucson, AZ | 3 | $ 675,000 | $ 225,000 | $ 144,000 |
| Tulsa, OK | 3 | $ 825,000 | $ 275,000 | $ 280,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 1,585,000 | $ 528,333 | $ 130,000 |
| Akron, OH | 2 | $ 330,000 | $ 165,000 | $ 148,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 690,000 | $ 345,000 | $ 113,000 |
| Bakersfield, CA | 2 | $ 560,000 | $ 280,000 | $ 85,000 |
| Bloomsburg-Berwick, PA | 2 | $ 230,000 | $ 115,000 | $ 43,000 |
| Brunswick, GA | 2 | $ 850,000 | $ 425,000 | $ 145,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 340,000 | $ 170,000 | $ 44,000 |
| Columbia, SC | 2 | $ 540,000 | $ 270,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Greeley, CO | 2 | $ 860,000 | $ 430,000 | $ 199,000 |
| Greensboro-High Point, NC | 2 | $ 340,000 | $ 170,000 | $ 94,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 420,000 | $ 210,000 | $ 103,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 580,000 | $ 290,000 | $ 192,000 |
| Hinesville, GA | 2 | $ 570,000 | $ 285,000 | $ 109,000 |
| Homosassa Springs, FL | 2 | $ 320,000 | $ 160,000 | $ 60,000 |
| Killeen-Temple, TX | 2 | $ 250,000 | $ 125,000 | $ 111,000 |
| Lubbock, TX | 2 | $ 400,000 | $ 200,000 | $ 55,000 |
| Lynchburg, VA | 2 | $ 340,000 | $ 170,000 | $ 82,000 |
| Monroe, MI | 2 | $ 490,000 | $ 245,000 | $ 131,000 |
| Norwich-New London, CT | 2 | $ 1,040,000 | $ 520,000 | $ 240,000 |
| Ocean City, NJ | 2 | $ 830,000 | $ 415,000 | $ 127,000 |
| Port St. Lucie, FL | 2 | $ 540,000 | $ 270,000 | $ 107,000 |
| Provo-Orem, UT | 2 | $ 840,000 | $ 420,000 | $ 74,000 |
| Reading, PA | 2 | $ 520,000 | $ 260,000 | $ 232,000 |
| Roanoke, VA | 2 | $ 570,000 | $ 285,000 | $ 97,000 |
| Salem, OR | 2 | $ 670,000 | $ 335,000 | $ 0 |
| Salinas, CA | 2 | $ 810,000 | $ 405,000 | $ 245,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 870,000 | $ 435,000 | $ 169,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 360,000 | $ 180,000 | $ 117,000 |
| Shreveport-Bossier City, LA | 2 | $ 570,000 | $ 285,000 | $ 252,000 |
| Spartanburg, SC | 2 | $ 610,000 | $ 305,000 | $ 106,000 |
| Sumter, SC | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Wichita, KS | 2 | $ 440,000 | $ 220,000 | $ 97,000 |
| Alexandria, LA | 1 | $ 545,000 | $ 545,000 | $ 128,000 |
| Amarillo, TX | 1 | $ 375,000 | $ 375,000 | $ 113,000 |
| Ames, IA | 1 | $ 235,000 | $ 235,000 | $ 140,000 |
| Anchorage, AK | 1 | $ 305,000 | $ 305,000 | $ 191,000 |
| Ann Arbor, MI | 1 | $ 245,000 | $ 245,000 | $ 192,000 |
| Asheville, NC | 1 | $ 365,000 | $ 365,000 | $ 95,000 |
| Athens-Clarke County, GA | 1 | $ 295,000 | $ 295,000 | $ 125,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 255,000 | $ 255,000 | $ 350,000 |
| Battle Creek, MI | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Bay City, MI | 1 | $ 135,000 | $ 135,000 | $ 76,000 |
| Bellingham, WA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Billings, MT | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Bismarck, ND | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 165,000 | $ 165,000 | $ 406,000 |
| Canton-Massillon, OH | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Carbondale-Marion, IL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Casper, WY | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 225,000 | $ 225,000 | $ 108,000 |
| Chattanooga, TN-GA | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Cheyenne, WY | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Cincinnati, OH-KY-IN | 1 | $ 175,000 | $ 175,000 | $ 46,000 |
| Corvallis, OR | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Decatur, AL | 1 | $ 705,000 | $ 705,000 | $ 216,000 |
| Des Moines-West Des Moines, IA | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| East Stroudsburg, PA | 1 | $ 165,000 | $ 165,000 | $ 34,000 |
| Eau Claire, WI | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Elgin, IL | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Eugene, OR | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 95,000 | $ 95,000 | $ 106,000 |
| Gainesville, FL | 1 | $ 255,000 | $ 255,000 | $ 172,000 |
| Gary, IN | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Gettysburg, PA | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Goldsboro, NC | 1 | $ 275,000 | $ 275,000 | $ 52,000 |
| Grand Junction, CO | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Greenville, NC | 1 | $ 275,000 | $ 275,000 | $ 206,000 |
| Harrisonburg, VA | 1 | $ 125,000 | $ 125,000 | $ 105,000 |
| Jackson, MS | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Jonesboro, AR | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 165,000 | $ 165,000 | $ 82,000 |
| Las Cruces, NM | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Lebanon, PA | 1 | $ 225,000 | $ 225,000 | $ 221,000 |
| Lewiston-Auburn, ME | 1 | $ 135,000 | $ 135,000 | $ 96,000 |
| Longview, WA | 1 | $ 295,000 | $ 295,000 | $ 81,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Merced, CA | 1 | $ 315,000 | $ 315,000 | $ 154,000 |
| Midland, MI | 1 | $ 495,000 | $ 495,000 | $ 138,000 |
| Missoula, MT | 1 | $ 605,000 | $ 605,000 | $ 134,000 |
| Morgantown, WV | 1 | $ 375,000 | $ 375,000 | $ 138,000 |
| Panama City, FL | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Rochester, MN | 1 | $ 285,000 | $ 285,000 | $ 46,000 |
| Rocky Mount, NC | 1 | $ 285,000 | $ 285,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 1,135,000 | $ 1,135,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Springfield, MA | 1 | $ 275,000 | $ 275,000 | $ 114,000 |
| St. George, UT | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Urban Honolulu, HI | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Valdosta, GA | 1 | $ 235,000 | $ 235,000 | $ 96,000 |
| Visalia-Porterville, CA | 1 | $ 255,000 | $ 255,000 | $ 89,000 |
| Waco, TX | 1 | $ 295,000 | $ 295,000 | $ 120,000 |
| Walla Walla, WA | 1 | $ 245,000 | $ 245,000 | $ 108,000 |
| Warner Robins, GA | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Williamsport, PA | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 245,000 | $ 245,000 | $ 114,000 |
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.
For a list of all lenders in Maryland, download the full spreadsheet
with aggregated HMDA statistics today.
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