Applications / Mortgage Analytics / Lenders / Maryland / Capital Bank
Rockville, MD · National bank · OCC · $3.5 billion assets · 814 loans in 2025
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814
loans originated, 2025
1,128
applications, 2025
34
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Capital Bank is a national bank that lends far more through government-backed programs than similar lenders, ranking 6 of 368 in non-metro Delaware, its main state.
FHA loans (insured by the Federal Housing Administration) were 16.7% of its originations and VA loans (guaranteed by the Department of Veterans Affairs) 7.9%, against 2.1% and 0.6% at similar lenders (national banks making between half and twice as many loans). Conventional loans were 75.1%, lower than nearly nine in ten peers. VA lending was 30.3% five years before.
LMI (low- and moderate-income) borrowers took 30.9% of its loans, against 26.0% at peers, and LMI areas 19.7%, against 15.7%. Majority-minority areas took 35.4%, higher than about nine in ten peers (7.8%), possibly reflecting its markets, which include Delaware, Washington and Baltimore. Higher-priced loans (a rate well above the average for similar loans) were 1.6%, near peers' 1.8%.
Originations rose 9% to 814, close to 8% at peers and 10% in the whole market. They were 3,568 in 2020, more than four times today's count. Purchases are now 84.0% of its lending.
It lent in 34 states and 97 metros. It ranked 68 of 757 in Washington-Arlington-Alexandria and gained 0.3 points in Harrisburg-Carlisle, to 0.4%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Capital Bank took 1,128 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.0% · Refinance 14.6% · Other 1.0% · Home improvement 0.4%
Conventional 75.1% · FHA 16.7% · VA 7.9% · USDA (RHS or FSA) 0.4% · of 814 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Delaware | 225 | 27.6% |
| Maryland | 182 | 22.4% |
| District of Columbia | 145 | 17.8% |
| Virginia | 65 | 8.0% |
| Pennsylvania | 37 | 4.5% |
| North Carolina | 31 | 3.8% |
| Florida | 17 | 2.1% |
| South Carolina | 13 | 1.6% |
| New Jersey | 9 | 1.1% |
| New York | 9 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Washington | 199 |
| Frederick-Gaithersburg-Bethesda | 57 |
| Arlington-Alexandria-Reston | 51 |
| Baltimore-Columbia-Towson | 50 |
| Harrisburg-Carlisle | 16 |
| Dover | 7 |
| Charleston-North Charleston | 6 |
| New York-Jersey City-White Plains | 6 |
| Orlando-Kissimmee-Sanford | 6 |
| Allentown-Bethlehem-Easton | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930044OSTKOJMHF287 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2808602 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 123850 | 2002–2017 |
Established 14 December 1999. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Capital Bank's data.
Capital Bank's data
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