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Capital Bank, National Association
Bank|Rockville, MD|Near-National
Loans Originated
654
Applications
943
Volume
$282 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.227%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,280
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
69.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Report Card
Capital Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Strong | Near-National · 6 metro areas · 30 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$432,294
Average Borrower Income
$175,972
Average Property Value
$554,281
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Sound | 467 | 71.4% | +0.284% | $2,317 |
FHA Loans | Strong | Strong | Strong | Sound | 122 | 18.7% | +0.359% | $2,245 |
VA Loans | Strong | Strong | Strong | Sound | 51 | 7.8% | -0.570% | $2,139 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 13 | 2.0% | +0.329% | $1,696 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Sound | 625 | 95.6% | +0.258% | $2,278 |
Refinance | Acceptable | Acceptable | Sound | Acceptable | 29 | 4.4% | -0.249% | $2,306 |
Geographic Coverage
Metro Areas
5
States Served
30
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Washington, DC, DC-MDMSA
Volume: 144Mix: 22.02%
Place Specialization
Exceptional
2
Frederick, MDMSA
Volume: 86Mix: 13.15%
Place Specialization
Strong
3
Baltimore, MDMSA
Volume: 48Mix: 7.34%
Place Specialization
Sound
4
Arlington, VA-WVMSA
Volume: 27Mix: 4.13%
Place Specialization
Sound
5
Orlando, FLMSA
Volume: 11Mix: 1.68%
Place Specialization
Sound
Top States by Place Specialization Score
1
DEState
Volume: 174Mix: 26.61%
Place Specialization
Strong
2
DCState
Volume: 95Mix: 14.53%
Place Specialization
Strong
3
MDState
Volume: 199Mix: 30.43%
Place Specialization
Strong
4
VAState
Volume: 36Mix: 5.50%
Place Specialization
Sound
5
PAState
Volume: 25Mix: 3.82%
Place Specialization
Sound
6
FLState
Volume: 29Mix: 4.43%
Place Specialization
Sound
7
SCState
Volume: 13Mix: 1.99%
Place Specialization
Sound
8
NCState
Volume: 13Mix: 1.99%
Place Specialization
Acceptable
9
GAState
Volume: 10Mix: 1.53%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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