Capital Bank, National Association
Capital Bank, National Association received 1,128 applications in 2025 and made 814 mortgages, in 225 counties across 39 states. The median rate its borrowers got was 6.515% on a median loan of $385,000. Of 864 decisions, 46 were denials — 5.3%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 54930044OSTKOJMHF287 |
|---|---|
| Applications received | 1,128 |
| Mortgages made | 814 |
| Denied | 46 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 264 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.224 points |
| FDIC-insured bank | Yes: Capital Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 684 | 6.624% | $365,000 | 5.9% |
| Refinancing | 90 | 6.490% | $645,000 | 2.1% |
| Cash-out refinancing | 29 | 6.490% | $445,000 | 3.3% |
| Other purposes | 11 | 6.875% | $305,000 | 0.0% |
Where Capital Bank, National Association lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sussex County, DE | 213 | 6.624% | 1.8% |
| District of Columbia, DC | 145 | 6.750% | 2.7% |
| Prince George's County, MD | 47 | 6.750% | 7.8% |
| Montgomery County, MD | 32 | 6.490% | 5.9% |
| Fairfax County, VA | 26 | 6.688% | 0.0% |
| Frederick County, MD | 25 | 6.490% | 0.0% |
| Baltimore city, MD | 19 | 6.625% | 13.6% |
| Carteret County, NC | 14 | 6.375% | 6.7% |
| Worcester County, MD | 11 | 6.875% | 8.3% |
| Dauphin County, PA | 11 | 6.250% | 8.3% |
| Anne Arundel County, MD | 10 | 6.490% | 0.0% |
| Baltimore County, MD | 10 | 5.563% | 0.0% |
| Kent County, DE | 7 | Under 10 loans | 22.2% |
| Charles County, MD | 7 | Under 10 loans | 22.2% |
| Howard County, MD | 7 | Under 10 loans | 12.5% |
| Arlington County, VA | 7 | Under 10 loans | 0.0% |
| New Castle County, DE | 5 | Under 10 loans | 0.0% |
| Stafford County, VA | 5 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 4 | Under 10 loans | 0.0% |
| Cook County, IL | 4 | Under 10 loans | 0.0% |
| Berks County, PA | 4 | Under 10 loans | 20.0% |
| Cumberland County, PA | 4 | Under 10 loans | 0.0% |
| Alexandria city, VA | 4 | Under 10 loans | 0.0% |
| Orange County, FL | 3 | Under 10 loans | 25.0% |
| Osceola County, FL | 3 | Under 10 loans | 0.0% |
| Carroll County, MD | 3 | Under 10 loans | 0.0% |
| Morris County, NJ | 3 | Under 10 loans | 0.0% |
| Kings County, NY | 3 | Under 10 loans | 0.0% |
| Tulsa County, OK | 3 | Under 10 loans | 0.0% |
| Loudoun County, VA | 3 | Under 10 loans | 25.0% |
| Prince William County, VA | 3 | Under 10 loans | 0.0% |
| Madison County, AL | 2 | Under 10 loans | 0.0% |
| Mobile County, AL | 2 | Under 10 loans | 33.3% |
| Charlotte County, FL | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Canyon County, ID | 2 | Under 10 loans | 0.0% |
| Caroline County, MD | 2 | Under 10 loans | 0.0% |
| Kent County, MD | 2 | Under 10 loans | 0.0% |
| Talbot County, MD | 2 | Under 10 loans | 0.0% |
| Isabella County, MI | 2 | Under 10 loans | 0.0% |
| St. Louis County, MO | 2 | Under 10 loans | 0.0% |
| Bergen County, NJ | 2 | Under 10 loans | 0.0% |
| Bernalillo County, NM | 2 | Under 10 loans | 0.0% |
| Alamance County, NC | 2 | Under 10 loans | 0.0% |
| Craven County, NC | 2 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 2 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 2 | Under 10 loans | 0.0% |
| Franklin County, PA | 2 | Under 10 loans | 0.0% |
| Lehigh County, PA | 2 | Under 10 loans | 33.3% |
| Montgomery County, PA | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.