Capital Bank, National Association mortgage approval rate & lending review
Capital Bank, National Association decided 2,057 mortgage applications and funded 1,946 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Capital Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Capital Bank, National Association at a glance
Approval is 8.9 points above the 86.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 1,369 / 1,455 | 100% | $345K | 1,363 |
| Cash-out refinance | 92% | 68 / 74 | 100% | $335K | 68 |
| Refinance | 99% | 73 / 74 | 99% | $555K | 72 |
| Investment property purchase | 99% | 379 / 384 | 100% | $415K | 379 |
| Investment refinance | 96% | 55 / 57 | 98% | $675K | 54 |
Capital Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Delaware | 98% | $415K | 575 | 560 |
| Maryland | 94% | $385K | 488 | 458 |
| District of Columbia | 95% | $285K | 425 | 401 |
| Virginia | 99% | $605K | 123 | 122 |
| Pennsylvania | 92% | $235K | 74 | 68 |
| Florida | 89% | $375K | 72 | 64 |
| North Carolina | 92% | $365K | 51 | 47 |
| South Carolina | 92% | $265K | 38 | 35 |
| Texas | 85% | $245K | 20 | 17 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Capital Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sussex County, DE | Investment property purchase | 100% | 291 | 290 |
| Sussex County, DE | Mortgage lenders | 97% | 216 | 207 |
| Prince George's County, MD | Mortgage lenders | 92% | 114 | 105 |
| Frederick County, MD | Mortgage lenders | 99% | 75 | 74 |
The county markets where Capital Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Capital Bank, National Association
What is Capital Bank, National Association's mortgage approval rate?
Capital Bank, National Association approved 95.0% of the 2,057 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.9 points above the 86.1% national rate for the same mix of loan types.
How often do borrowers take the loan Capital Bank, National Association offers?
Borrowers accepted 100% of the loans Capital Bank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Capital Bank, National Association make?
The typical home purchase mortgage loan Capital Bank, National Association made was $345K; across all loan types its typical loan ran from $335K to $675K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Capital Bank, National Association lend?
Capital Bank, National Association decided applications in 39 of the states Fat Boy Data covers, most of them in Delaware, Maryland and District of Columbia.
Can I apply to Capital Bank, National Association directly?
Yes. Capital Bank, National Association is a bank or credit union with 17 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Capital Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Capital Bank, National Association treats applications, then get a rate quote from the lender.