# Capital Bank, National Association > **Canonical URL:** https://saferate.com/lenders/capital-bank-national-association > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible Capital Bank, National Association is a bank, headquartered in Rockville, MD, serving borrowers across 30 states, with 654 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 46% of lenders for competitive rates - **Approval Rate:** Ranks in the top 41% for loan approval success ## Overview - **Institution Type:** Bank - **LEI (Legal Entity Identifier):** 54930044OSTKOJMHF287 - **Headquarters:** Rockville, MD - **Geographic Reach:** Near-National - **States Served:** 30 - **State List:** AL, AZ, CA, CT, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, MI, MN, MO, NC, NE, NJ, NY, OH, PA, RI, SC, TN, TX, VA, WI, WV - **Markets (MSAs):** 6 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 98.9% - **Brokered/Wholesale:** 1.1% ## Safe Rate Ratings ### Pricing: Sound ☺️ - Score: 54/100 - Rating: ●●●○○ (3/5) ### Pull Through: Sound ☺️ - Score: 59/100 - Rating: ●●●○○ (3/5) ### Pricing Details - **Average Rate Spread:** +0.227% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $2,280 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 654 - **Dollar Volume:** $283 million - **Applications Received:** 943 - **Market Share:** 2.00% ## Typical Borrower Profile - **Average Loan Amount:** $432,294 - **Average Borrower Income:** $175,972 - **Average Property Value:** $554,281 ## Safe Rate Awards πŸ† - ⭐ **FHA Gold Superstar** (64%) - ⭐ **VA Gold Superstar** (64%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 56/100 | 467 | +0.284% | $2,317 | Sound ☺️ | | FHA | 66/100 | 122 | +0.359% | $2,245 | Strong πŸ˜€ | | VA | 64/100 | 51 | -0.570% | $2,139 | Strong πŸ˜€ | | Jumbo | 42/100 | 13 | +0.329% | $1,696 | Sound ☺️ | ### Product Performance by Purpose **Conventional:** - Purchase: 452 loans, Score: 58/100 (Sound) **FHA:** - Purchase: 119 loans, Score: 66/100 (Strong) **VA:** - Purchase: 40 loans, Score: 64/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 60/100 | 625 | $271M | +0.258% | Sound ☺️ | | Refinance | 31/100 | 29 | $12M | -0.249% | Acceptable πŸ™‚ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | MD | 199 | 0.28% | 73/100 | | DE | 174 | 1.22% | 79/100 | | DC | 95 | 1.66% | 79/100 | | VA | 36 | 0.03% | 52/100 | | FL | 29 | 0.01% | 44/100 | | PA | 25 | 0.02% | 47/100 | | NC | 13 | 0.01% | 39/100 | | SC | 13 | 0.02% | 41/100 | | GA | 10 | 0.01% | 37/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Non | | 190 | 63/100 | | Washington, DC | DC-MD | 144 | 83/100 | | Frederick | MD | 86 | 76/100 | | Baltimore | MD | 48 | 59/100 | | Arlington | VA-WV | 27 | 52/100 | | Orlando | FL | 11 | 41/100 | ## Where This Lender Ranks Capital Bank, National Association appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯ˆ **#2** in Delaware for VA Loans (Banks) - [View Full Rankings](https://saferate.com/delaware/best-mortgage-lenders/banks/va-loans) - πŸ† **#4** in Delaware for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/delaware/best-mortgage-lenders/banks/fha-loans) - πŸ† **#7** in Washington, DC for VA Loans (Banks) - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/banks/va-loans) - πŸ† **#7** in Frederick for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/banks/fha-loans) - πŸ† **#8** in Washington, DC for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/banks/fha-loans) - πŸ† **#8** in Washington DC for FHA Loans - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/fha-loans) - πŸ† **#15** in Maryland for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/banks/fha-loans) - πŸ† **#16** in Maryland for VA Loans (Banks) - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/banks/va-loans) - πŸ† **#16** in Delaware Banks - [View Full Rankings](https://saferate.com/delaware/best-mortgage-lenders/banks) - πŸ† **#16** in Delaware for FHA Loans - [View Full Rankings](https://saferate.com/delaware/best-mortgage-lenders/fha-loans) - πŸ† **#16** in Washington DC Banks - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/banks) - πŸ† **#17** in Delaware for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/delaware/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#18** in Delaware for VA Loans - [View Full Rankings](https://saferate.com/delaware/best-mortgage-lenders/va-loans) - πŸ† **#18** in Washington, DC for FHA Loans - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/fha-loans) - πŸ† **#19** in Maryland Banks - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/banks) - πŸ† **#19** in Washington, DC Banks - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/banks) - πŸ† **#19** in Washington DC for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/banks/conventional-loans) ## Frequently Asked Questions ### What loan types does Capital Bank, National Association offer? Capital Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does Capital Bank, National Association offer mortgages? Capital Bank, National Association offers mortgages in 30 states: AL, AZ, CA, CT, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, MI, MN, MO, NC, NE, NJ, NY, OH, PA, RI, SC, TN, TX, VA, WI, WV. ### How competitive are Capital Bank, National Association's mortgage rates? Capital Bank, National Association has a pricing score of 54/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.227% above market average. ### What type of lender is Capital Bank, National Association? Capital Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Rockville, MD. ### What is Capital Bank, National Association's loan approval success rate? Capital Bank, National Association has a pull-through score of 59/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/capital-bank-national-association ### How to Cite > "Capital Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/capital-bank-national-association --- **[View Interactive Profile β†’](https://saferate.com/lenders/capital-bank-national-association)**