Capital Bank, N.A.

"I'm sure many of the five star reviews for this bank are fake because this is the worst bank I've ever done business with. I had a contract to sell my condominium with a buyer that had financing approval from this bank. This bank was the sole reason the contract was cancelled, they are liars and scammers!!! I've never had issues with the appraisal process before but I did with this bank and it was completely the bank's fault. The appraisal for my property came in $30k lower than the contract price which was bad enough. However, the underwriter then decided to dispute the appraisal, which is normal when the value comes in lower than the contract price. Usually, it's to try to increase the value in the appraisal to get it closer to the contract price, so the buyer can buy the property with the majority of the bank financing and not have to makeup the gap with cash out of pocket. However, this particular underwriter told the appraiser to lower the value another $30k to match another property that recently sold and to ignore the other properties that were similar that sold higher. The second appraisal lowered the value of property $60k than the contract price!!!! They clearly were trying to manipulate the appraisal process to reduce the value of my property, possibly to flip it down the road?!?!? Anyway it was insane to think I would agree to reduce the price by $60k, any underwriter should know that that decision would kill the sales contract, because a seller would be insane to accept that, but they tried to do it, such scammers!!! Of course I disputed the second appraisal, I honestly tried to meet them half way and told them to use the first appraisal instead, but they said they couldn't...such liars!!!! The loan officer then consistently lied to me and told me the appraiser botched the appraisal but it wasn't true. She even said they blacklisted the appraiser!?!? Also, she lied and told me it wasn't the bank that disputed the appraisal but a separate appraisal office outside of the bank, when in fact it was the bank. They have another profile on yelp with a much lower rating. Avoid this bank like the plague, they are liars and scammers!!!"

"I have worked with Capital Bank since 2016 for both commercial and private banking and finance. The team there has always been very responsive, helpful and thoughtful. Every bump in the road being navigated with a clear view to help, promote and secure my business. I have never reviewed a bank before having always had mediocre service in the past. In this case and with the team at Capital Bank I want to give credit where credit is due, they have been and continue to be a pleasure to work with."

"I've had 2 great experiences with Capital Bank in the last 4 years. Most recently over the summer. Boris and his team did an absolutely phenomenal job working with me and keeping me updated during such a volatile rate environment. They took great care to ensure I properly understood everything. My family cannot thank them enough. We love our new house!"

"I highly recommend Sara Knight. Purchased our first home in the crazy market during the pandemic. She was available all our questions quickly when needed. Her positive energy during this difficult process was much appreciated. We will definitely be referring our friends and family and be coming back for any mortgage needs in the upcoming years."

"As a real estate professional, I work with buyers and sellers all of the time. This bank was the MOST difficult bank I have EVER worked with. The lender had over 3 months to complete the necessary paperwork and still weren't ready to close on time. The loan officer never returned calls, had his processor instead return the calls. My clients got a good rate with them, but even after the transaction was concluded, they agreed that it wasn't worth the hassle and delays."