Lender profile · HMDA 2023–2025
Capital Bank, National Association mortgage approval rates & lending data
Capital Bank, National Association decided 2,057 mortgage applications and funded 1,946 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Illinois | 95% | $345K | 19 | 17 |
| Georgia | 94% | $275K | 17 | 16 |
| New Jersey | 100% | $645K | 16 | 15 |
| Ohio | 87% | $155K | 15 | 13 |
| California | 100% | $625K | 14 | 14 |
| New York | 93% | $545K | 14 | 12 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.