We analyzed every closed loan from Capital Bank — 654 loans across 943 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Near-National · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Capital Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+22.7 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
467 loans · 0.28% above market
Sound
Top 60% of lenders
3/5
FHA
122 loans · 0.36% above market
Strong
Top 40% of lenders
4/5
VA
51 loans · 0.57% below market
Strong
Top 40% of lenders
4/5
Jumbo
13 loans · 0.33% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
625 loans · 0.26% above market
Sound
Top 60% of lenders
3/5
Refinance
29 loans · 0.25% below market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Near-National · 6 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 467 | 71.4% | +0.284%Above | $2,317Fees | ||||
FHA Loans | 122 | 18.7% | +0.359%Above | $2,245Fees | ||||
VA Loans | 51 | 7.8% | -0.570%Below | $2,139Fees | ||||
Jumbo Loans | — | 13 | 2.0% | +0.329%Above | $1,696Fees |
Conventional
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume467
Mix71.4%
Spread
+0.284%Above
Fees
$2,317Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume122
Mix18.7%
Spread
+0.359%Above
Fees
$2,245Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume51
Mix7.8%
Spread
-0.570%Below
Fees
$2,139Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume13
Mix2.0%
Spread
+0.329%Above
Fees
$1,696Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 625 | 95.6% | +0.258%Above | $2,278Fees | ||||
Refinance | 29 | 4.4% | -0.249%Below | $2,306Fees |
Purchase
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume625
Mix95.6%
Spread
+0.258%Above
Fees
$2,278Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingSound
Pull ThroughAcceptable
Volume29
Mix4.4%
Spread
-0.249%Below
Fees
$2,306Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
654
Applications
943
Volume
$282 million
Pricing & Closing
Avg Rate Spread
+0.227%
vs. market APOR
Avg Net Fees
$2,280
Origination − Credits
Pullthrough Rate
69.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$432,294
Avg Borrower Income
$175,972
Avg Property Value
$554,281
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
30
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
30Full-year 2024 · HMDALoans originated
< 1010–2020–100100+None
Northeast6
CTMANJNYPARI
Midwest9
ILINKSMIMNMONEOHWI
South13
ALDCDEFLGAKYMDNCSCTNTXVAWV
West2
AZCA
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.