We analyzed every closed loan from Capital Bank — 654 loans across 943 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Near-National · 5 mkts
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Capital Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+22.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 6 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 467 | 71.4% | +0.284%Above | $2,317Fees | ||||
FHA Loans | 122 | 18.7% | +0.359%Above | $2,245Fees | ||||
VA Loans | 51 | 7.8% | -0.570%Below | $2,139Fees | ||||
Jumbo Loans | — | 13 | 2.0% | +0.329%Above | $1,696Fees |
Conventional
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume467
Mix71.4%
Spread
+0.284%Above
Fees
$2,317Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume122
Mix18.7%
Spread
+0.359%Above
Fees
$2,245Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume51
Mix7.8%
Spread
-0.570%Below
Fees
$2,139Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume13
Mix2.0%
Spread
+0.329%Above
Fees
$1,696Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 625 | 95.6% | +0.258%Above | $2,278Fees | ||||
Refinance | 29 | 4.4% | -0.249%Below | $2,306Fees |
Purchase
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume625
Mix95.6%
Spread
+0.258%Above
Fees
$2,278Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingSound
Pull ThroughAcceptable
Volume29
Mix4.4%
Spread
-0.249%Below
Fees
$2,306Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
654
Applications
943
Volume
$282 million
Pricing & Closing
Avg Rate Spread
+0.227%
vs. market APOR
Avg Net Fees
$2,280
Origination − Credits
Pullthrough Rate
69.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$432,294
Avg Borrower Income
$175,972
Avg Property Value
$554,281
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
30
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
30Northeast6
CTMANJNYPARI
Midwest9
ILINKSMIMNMONEOHWI
South13
ALDCDEFLGAKYMDNCSCTNTXVAWV
West2
AZCA
Top Metro Areas by Place Specialization Score
Volume 144Mix 22.02% of portfolio
83/100
Exceptional
Volume 86Mix 13.15% of portfolio
76/100
Strong
Volume 48Mix 7.34% of portfolio
59/100
Sound
Volume 27Mix 4.13% of portfolio
52/100
Sound
Volume 11Mix 1.68% of portfolio
41/100
SoundTop States by Place Specialization Score
1
DelawareState
Volume 174Mix 26.61% of portfolio
79/100
Strong2
Washington, DCState
Volume 95Mix 14.53% of portfolio
79/100
Strong3
MarylandState
Volume 199Mix 30.43% of portfolio
73/100
Strong4
VirginiaState
Volume 36Mix 5.50% of portfolio
52/100
Sound5
PennsylvaniaState
Volume 25Mix 3.82% of portfolio
47/100
Sound6
FloridaState
Volume 29Mix 4.43% of portfolio
44/100
Sound7
South CarolinaState
Volume 13Mix 1.99% of portfolio
41/100
Sound8
North CarolinaState
Volume 13Mix 1.99% of portfolio
39/100
Acceptable9
GeorgiaState
Volume 10Mix 1.53% of portfolio
37/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.