Purchase Originations
509
Ranked #615 nationally
Median Total Costs
$7,222
+8.1% vs national ($6,680)
↓ $295 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,495
Median Lender Credits
$499
Cost Rank (500+ vol.)
#387
among lenders with 500+ originations
Denial Rate
5.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 335 | 6.625% | $6,094 | $1,495 |
| fha | 129 | 6.375% | $11,735 | $1,495 |
| va | 42 | 6.250% | $6,168 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maryland | 139 | 6.500% | $7,528 | #80 |
| District of Columbia | 109 | 6.625% | $11,265 | #9 |
| Delaware | 87 | 6.500% | $5,600 | #30 |
| Virginia | 45 | 6.500% | $5,908 | — |
| Pennsylvania | 27 | 6.375% | $8,051 | — |
| North Carolina | 20 | 6.375% | $3,958 | — |
| Florida | 12 | 6.562% | $4,315 | — |
| South Carolina | 11 | 6.250% | $8,221 | — |
| New York | 6 | 6.438% | $6,442 | — |
| Alabama | 5 | 6.125% | $7,430 | — |
| Georgia | 5 | 5.750% | $11,568 | — |
| New Jersey | 5 | 6.625% | $7,628 | — |
| Oklahoma | 5 | 6.375% | $6,467 | — |
| California | 4 | 6.308% | $8,445 | — |
| Missouri | 4 | 6.500% | $6,004 | — |
| Illinois | 3 | 6.624% | $6,796 | — |
| Michigan | 3 | 6.990% | $4,899 | — |
| New Mexico | 3 | 6.750% | $5,122 | — |
| Arkansas | 2 | 6.625% | $4,305 | — |
| Connecticut | 2 | 6.875% | $7,619 | — |
| Ohio | 2 | 6.875% | $5,849 | — |
| Texas | 2 | 5.750% | $6,527 | — |
| Arizona | 1 | 6.875% | $27,319 | — |
| Indiana | 1 | 6.250% | $8,227 | — |
| Massachusetts | 1 | 5.624% | $4,011 | — |
| Mississippi | 1 | 5.875% | $6,732 | — |
| Montana | 1 | 6.375% | $7,144 | — |
| Oregon | 1 | 6.125% | $9,867 | — |
| Washington | 1 | 6.875% | $3,259 | — |
| West Virginia | 1 | 6.375% | $9,247 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,022 | 6.312% | — | 8 | −$3,200 | |
| 2 | $5,441 | 6.250% | — | 3 | −$1,781 | |
| 3 | $5,452 | 6.375% | — | 21 | −$1,770 | |
| 4 | $5,508 | 6.500% | — | 77 | −$1,714 | |
| 5 | $5,588 | 6.625% | — | 5 | −$1,634 | |
| 6 | $5,693 | 6.058% | — | 6 | −$1,529 | |
| 7 | $5,707 | 6.750% | — | 16 | −$1,515 | |
| 8 | $6,466 | 6.125% | — | 3 | −$756 | |
| 9 | $6,467 | 6.500% | — | 3 | −$755 | |
| 10 | $7,053 | 6.490% | — | 23 | −$169 | |
| 11 | $7,526 | 6.495% | — | 14 | +$304 | |
| 12 | $7,960 | 6.490% | — | 6 | +$738 | |
| 13 | $8,641 | 5.562% | — | 10 | +$1,419 | |
| 14 | $8,752 | 6.625% | — | 4 | +$1,530 | |
| 15 | $9,698 | 6.187% | — | 8 | +$2,476 | |
| 16 | $9,990 | 6.688% | — | 46 | +$2,768 | |
| 17 | $10,939 | 6.250% | — | 5 | +$3,717 | |
| 18 | $11,265 | 6.625% | — | 109 | +$4,043 | |
| 19 | $13,712 | 6.625% | — | 5 | +$6,490 | |
| 20 | $15,048 | 6.125% | — | 5 | +$7,826 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Capital Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $7,222 | $7,127 | +$95 (+1.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.