Capital Bank, N.A. Mortgage Lending & HMDA Data, 2023
In 2023, Capital Bank, N.A. of Rockville, MD reported 937 mortgage applications totaling $369.7 million, down 17% from 2022. The average application was for $394,605, and applicants reported an average income of $154,845. 65% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (323), Salisbury, MD-DE (176) and Washington-Baltimore-Arlington, DC (38) (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 | 937 |
| Total Mortgage Loan Application Amount | $369,745,000 |
| Average Mortgage Loan Application Amount | $394,605 |
| Highest Mortgage Loan Application Amount | $10,755,000 |
| Average Applicant Income | $154,845 |
| Highest Applicant Income | $1,501,000 |
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Act (HMDA) records Capital Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 323 | $ 119,985,000 | $ 371,470 | $ 122,136 |
| Salisbury, MD-DE | 176 | $ 80,020,000 | $ 454,659 | $ 230,500 |
| Outside any metro area | 70 | $ 18,550,000 | $ 265,000 | $ 99,957 |
| Washington-Baltimore-Arlington, DC | 38 | $ 27,550,000 | $ 725,000 | $ 272,000 |
| Baltimore-Columbia-Towson, MD | 32 | $ 13,610,000 | $ 425,312 | $ 152,000 |
| Charlotte-Concord-Gastonia, NC-SC | 29 | $ 10,605,000 | $ 365,689 | $ 129,137 |
| Hagerstown-Martinsburg, MD-WV | 15 | $ 5,785,000 | $ 385,666 | $ 189,266 |
| Atlanta-Sandy Springs-Roswell, GA | 12 | $ 3,490,000 | $ 290,833 | $ 79,000 |
| Houston-The Woodlands-Sugar Land, TX | 12 | $ 4,780,000 | $ 398,333 | $ 199,000 |
| Dover, DE | 9 | $ 2,685,000 | $ 298,333 | $ 109,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 9 | $ 2,435,000 | $ 270,555 | $ 114,333 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 2,340,000 | $ 292,500 | $ 100,000 |
| Wilmington, DE-MD-NJ | 8 | $ 2,900,000 | $ 362,500 | $ 180,875 |
| Columbus, OH | 6 | $ 1,870,000 | $ 311,666 | $ 163,000 |
| Dallas-Plano-Irving, TX | 6 | $ 2,020,000 | $ 336,666 | $ 138,000 |
| Fayetteville, NC | 6 | $ 1,960,000 | $ 326,666 | $ 114,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 1,430,000 | $ 238,333 | $ 140,000 |
| Philadelphia, PA | 5 | $ 2,435,000 | $ 487,000 | $ 225,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 1,340,000 | $ 335,000 | $ 96,000 |
| Jacksonville, FL | 4 | $ 1,820,000 | $ 455,000 | $ 162,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 1,160,000 | $ 290,000 | $ 209,250 |
| Raleigh, NC | 4 | $ 1,960,000 | $ 490,000 | $ 150,000 |
| Wilmington, NC | 4 | $ 1,360,000 | $ 340,000 | $ 102,000 |
| Albuquerque, NM | 3 | $ 695,000 | $ 231,666 | $ 85,000 |
| Columbia, SC | 3 | $ 825,000 | $ 275,000 | $ 108,000 |
| Lakeland-Winter Haven, FL | 3 | $ 1,235,000 | $ 411,666 | $ 142,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 1,065,000 | $ 355,000 | $ 73,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,425,000 | $ 475,000 | $ 162,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 1,245,000 | $ 415,000 | $ 148,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 2,075,000 | $ 691,666 | $ 306,000 |
| Niles-Benton Harbor, MI | 3 | $ 505,000 | $ 168,333 | $ 68,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 905,000 | $ 301,666 | $ 214,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 625,000 | $ 208,333 | $ 100,000 |
| Pittsburgh, PA | 3 | $ 495,000 | $ 165,000 | $ 107,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 1,025,000 | $ 341,666 | $ 112,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 11,365,000 | $ 3,788,333 | $ 58,666 |
| Winchester, VA-WV | 3 | $ 1,245,000 | $ 415,000 | $ 181,666 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 1,020,000 | $ 510,000 | $ 400,000 |
| Canton-Massillon, OH | 2 | $ 220,000 | $ 110,000 | $ 45,000 |
| Charleston-North Charleston, SC | 2 | $ 510,000 | $ 255,000 | $ 57,000 |
| Cincinnati, OH-KY-IN | 2 | $ 350,000 | $ 175,000 | $ 64,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 360,000 | $ 180,000 | $ 98,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 690,000 | $ 345,000 | $ 96,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 1,250,000 | $ 625,000 | $ 111,000 |
| Durham-Chapel Hill, NC | 2 | $ 690,000 | $ 345,000 | $ 115,000 |
| Greensboro-High Point, NC | 2 | $ 450,000 | $ 225,000 | $ 80,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 300,000 | $ 150,000 | $ 82,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 570,000 | $ 285,000 | $ 182,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 540,000 | $ 270,000 | $ 104,000 |
| New York-Newark, NY | 2 | $ 1,210,000 | $ 605,000 | $ 203,000 |
| Providence-Warwick, RI-MA | 2 | $ 840,000 | $ 420,000 | $ 103,000 |
| Racine, WI | 2 | $ 250,000 | $ 125,000 | $ 88,000 |
| Richmond, VA | 2 | $ 890,000 | $ 445,000 | $ 119,000 |
| Roanoke, VA | 2 | $ 600,000 | $ 300,000 | $ 96,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 500,000 | $ 250,000 | $ 122,000 |
| St. Louis, MO-IL | 2 | $ 590,000 | $ 295,000 | $ 96,000 |
| Visalia-Porterville, CA | 2 | $ 750,000 | $ 375,000 | $ 169,000 |
| Anchorage, AK | 1 | $ 215,000 | $ 215,000 | $ 46,000 |
| Athens-Clarke County, GA | 1 | $ 115,000 | $ 115,000 | $ 57,000 |
| Austin-Round Rock, TX | 1 | $ 605,000 | $ 605,000 | $ 260,000 |
| Bakersfield, CA | 1 | $ 455,000 | $ 455,000 | $ 109,000 |
| Bend-Redmond, OR | 1 | $ 705,000 | $ 705,000 | $ 273,000 |
| Birmingham-Hoover, AL | 1 | $ 55,000 | $ 55,000 | $ 84,000 |
| Bismarck, ND | 1 | $ 325,000 | $ 325,000 | $ 100,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 445,000 | $ 445,000 | $ 193,000 |
| Boise City, ID | 1 | $ 325,000 | $ 325,000 | $ 121,000 |
| Boston, MA | 1 | $ 985,000 | $ 985,000 | $ 359,000 |
| California-Lexington Park, MD | 1 | $ 535,000 | $ 535,000 | $ 195,000 |
| Chicago-Naperville, IL | 1 | $ 305,000 | $ 305,000 | $ 74,000 |
| Cumberland, MD-WV | 1 | $ 65,000 | $ 65,000 | $ 379,000 |
| Duluth, MN-WI | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| Eau Claire, WI | 1 | $ 175,000 | $ 175,000 | $ 68,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 235,000 | $ 235,000 | $ 131,000 |
| Elkhart-Goshen, IN | 1 | $ 125,000 | $ 125,000 | $ 400,000 |
| Erie, PA | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Flint, MI | 1 | $ 275,000 | $ 275,000 | $ 145,000 |
| Florence-Muscle Shoals, AL | 1 | $ 115,000 | $ 115,000 | $ 58,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 1,675,000 | $ 1,675,000 | $ 1,064,000 |
| Grand Junction, CO | 1 | $ 325,000 | $ 325,000 | $ 76,000 |
| Great Falls, MT | 1 | $ 85,000 | $ 85,000 | $ 27,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Harrisburg-Carlisle, PA | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 365,000 | $ 365,000 | $ 114,000 |
| Hattiesburg, MS | 1 | $ 145,000 | $ 145,000 | $ 82,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 245,000 | $ 245,000 | $ 63,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 275,000 | $ 275,000 | $ 113,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Huntsville, AL | 1 | $ 255,000 | $ 255,000 | $ 61,000 |
| Idaho Falls, ID | 1 | $ 465,000 | $ 465,000 | $ 180,000 |
| Jackson, TN | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| Jacksonville, NC | 1 | $ 365,000 | $ 365,000 | $ 138,000 |
| Kansas City, MO-KS | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Kennewick-Richland, WA | 1 | $ 345,000 | $ 345,000 | $ 125,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Las Cruces, NM | 1 | $ 375,000 | $ 375,000 | $ 225,000 |
| Lawton, OK | 1 | $ 175,000 | $ 175,000 | $ 125,000 |
| Longview, TX | 1 | $ 335,000 | $ 335,000 | $ 195,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| Madera, CA | 1 | $ 475,000 | $ 475,000 | $ 158,000 |
| Memphis, TN-MS-AR | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Michigan City-La Porte, IN | 1 | $ 235,000 | $ 235,000 | $ 59,000 |
| Midland, MI | 1 | $ 215,000 | $ 215,000 | $ 81,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 105,000 | $ 105,000 | $ 63,000 |
| Monroe, LA | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| New Orleans-Metairie, LA | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Newark, NJ-PA | 1 | $ 275,000 | $ 275,000 | $ 85,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 495,000 | $ 495,000 | $ 166,000 |
| Ocala, FL | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Pittsfield, MA | 1 | $ 155,000 | $ 155,000 | $ 186,000 |
| Port St. Lucie, FL | 1 | $ 505,000 | $ 505,000 | $ 171,000 |
| Salem, OR | 1 | $ 375,000 | $ 375,000 | $ 79,000 |
| St. Cloud, MN | 1 | $ 155,000 | $ 155,000 | $ 87,000 |
| Toledo, OH | 1 | $ 725,000 | $ 725,000 | $ 430,000 |
| Urban Honolulu, HI | 1 | $ 335,000 | $ 335,000 | $ 75,000 |
| Valdosta, GA | 1 | $ 215,000 | $ 215,000 | $ 77,000 |
| Walla Walla, WA | 1 | $ 485,000 | $ 485,000 | $ 549,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 325,000 | $ 325,000 | $ 64,000 |
| York-Hanover, PA | 1 | $ 375,000 | $ 375,000 | $ 118,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Yuma, AZ | 1 | $ 225,000 | $ 225,000 | $ 103,000 |
Mortgage Loan Application Detail Totals for Capital Bank, N.A. in 2023
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 | 745 | $289,205,000 | $388,000 | $10,755,000 | $157,000 | $1,380,000 |
| Cash-out Refinancing | 146 | $50,090,000 | $343,000 | $3,975,000 | $120,000 | $1,501,000 |
| Refinancing | 39 | $29,375,000 | $753,000 | $3,215,000 | $255,000 | $1,381,000 |
| Other Purpose | 5 | $865,000 | $173,000 | $455,000 | $72,000 | $112,000 |
| Home Improvement | 2 | $210,000 | $105,000 | $155,000 | $150,000 | $217,000 |
| 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 | 380 | $158,050,000 | $415,000 | $2,875,000 | $188,000 | $1,381,000 |
| Black or African American | 289 | $91,685,000 | $317,000 | $2,175,000 | $99,000 | $1,131,000 |
| Hispanic | 91 | $23,685,000 | $260,000 | $635,000 | $99,000 | $390,000 |
| Not Provided | 89 | $40,055,000 | $450,000 | $3,975,000 | $218,000 | $1,501,000 |
| Asian | 48 | $20,840,000 | $434,000 | $1,005,000 | $190,000 | $497,000 |
| Not applicable | 33 | $33,415,000 | $1,012,000 | $10,755,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $1,510,000 | $251,000 | $445,000 | $95,000 | $143,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 615 | $264,035,000 | $429,000 | $10,755,000 | $180,000 | $1,501,000 |
| FHA-insured (Federal Housing Administration) | 159 | $48,545,000 | $305,000 | $785,000 | $98,000 | $304,000 |
| VA-guaranteed (Veterans Administration) | 159 | $56,765,000 | $357,000 | $1,345,000 | $112,000 | $549,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $400,000 | $100,000 | $185,000 | $56,000 | $96,000 |
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 | 608 | $254,320,000 | $418,000 | $10,755,000 | $160,000 | $1,501,000 |
| Application Withdrawn By Applicant | 244 | $86,950,000 | $356,000 | $2,875,000 | $151,000 | $1,380,000 |
| Application Denied By Financial Institution | 36 | $10,990,000 | $305,000 | $1,065,000 | $93,000 | $217,000 |
| File Closed For Incompleteness | 26 | $8,150,000 | $313,000 | $1,345,000 | $124,000 | $582,000 |
| Preapproval Approved but not Accepted | 10 | $4,910,000 | $491,000 | $935,000 | $147,000 | $296,000 |
| Preapproval Denied by Financial Institution | 9 | $2,445,000 | $271,000 | $445,000 | $70,000 | $161,000 |
| Application Approved But Not Accepted | 4 | $1,980,000 | $495,000 | $635,000 | $163,000 | $289,000 |
| 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 | 892 | $356,310,000 | $399,000 | $10,755,000 | $156,000 | $1,501,000 |
| Debt-To-Income Ratio | 13 | $4,025,000 | $309,000 | $1,065,000 | $69,000 | $182,000 |
| Credit History | 9 | $2,975,000 | $330,000 | $445,000 | $106,000 | $189,000 |
| Other | 8 | $2,100,000 | $262,000 | $465,000 | $79,000 | $180,000 |
| Collateral | 7 | $1,545,000 | $220,000 | $635,000 | $114,000 | $217,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,905,000 | $381,000 | $455,000 | $89,000 | $102,000 |
| Unverifiable Information | 2 | $510,000 | $255,000 | $305,000 | $93,000 | $108,000 |
| Employment History | 1 | $375,000 | $375,000 | $375,000 | $34,000 | $34,000 |
| 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 2023 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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with aggregated HMDA statistics today.
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