HUD lender profile
Capital One, N.A.: HUD multifamily lending record
HUD insured 26 multifamily loans with Capital One as lender in FY2022-FY2026, for $632 million and 5,087 units. That is 1.0% of all HUD multifamily dollars in those years and #27 among lenders.
- HUD files it as CAPITAL ONE NA
- MAP On HUD's MAP lender list as of September 16, 2026
- Endorsement data run October 8, 2026
What the numbers say
In FY2026 it closed 2 HUD loans for $39.5 million, down 81% from FY2025 and ranking #39 among HUD multifamily lenders that year.
223(f) was its largest program at 54% of five-year dollars, followed by NC/SR at 39%.
It lent in 11 states; Maryland was the largest at 23% of dollars.
Its median loan was $22.3 million, above the $14.3 million median for all HUD multifamily endorsements in the same years.
On 223(f) loans, the median time from firm commitment to initial endorsement was 99 days (13 loans), against 87 days for all lenders, 12 days slower.
15 of its 26 loans (58%) carried low-income housing tax credits, against 32% across all HUD multifamily endorsements.
HUD volume by fiscal year
- 223(f)
- New construction / sub rehab
- Other programs
| FY | Loans | Dollars | 223(f) | NC/SR | Rank | |
|---|---|---|---|---|---|---|
| FY2026 | 2 | $39.5M | 0 | 2 | #39 | |
| FY2025 | 8 | $211M | 6 | 2 | #15 | |
| FY2024 | 6 | $118M | 0 | 6 | #19 | |
| FY2023 | 3 | $94.2M | 1 | 2 | #24 | |
| FY2022 | 7 | $169M | 6 | 0 | #25 | |
| FY2021 | 14 | $259M | 6 | 2 | #28 | |
| FY2020 | 1 | $25.0M | 1 | 0 | #55 | |
| Since FY2020 | 41 | $916M | ||||
Program columns count loans. Rank is by dollars among all HUD multifamily lenders that fiscal year.
Program mix, FY2022-FY2026
| Program | Loans | Dollars | Median loan |
|---|---|---|---|
| 223(f) purchase or refinance | 13 | $343M | $23.5M |
| New construction or substantial rehab (221(d)(4), 220, 231, 213) | 12 | $246M | $16.0M |
| 223(a)(7) streamlined refinance | 1 | $43.1M | $43.1M |
Firm commitment to closing
Days from the firm commitment date HUD records to initial endorsement, for this lender's FY2022-FY2026 loans. This is the last stretch of a HUD deal, after underwriting is done; it is not the whole timeline from application.
- All its loans with both dates (26)
- 103 days median
- Middle half of its loans
- 72-138 days
- 223(f) (13 loans)
- 99 days
- NC/SR (12 loans)
- 119 days
- All lenders, FHA programs, FY2022-FY2026
- 91 days
Most recent HUD endorsements
| Endorsed | Property | Program | Loan |
|---|---|---|---|
| 2026-04-02 | Springvale Terrace · MD | NC/SR | $27.1M |
| 2025-10-23 | 2910 Motley Senior Living · TX | NC/SR | $12.4M |
| 2025-08-26 | The Pointe at New Town · VA | 223(f) | $51.3M |
| 2025-05-15 | Plymouth Square Village Apartments · MI | 223(f) | $23.5M |
| 2025-04-03 | Essex Cooperative Apartments · MD | NC/SR | $18.5M |
| 2025-03-31 | Boulevard 61 · TX | NC/SR | $8.9M |
| 2025-03-05 | Greystone at Oakland · GA | 223(f) | $34.7M |
| 2025-02-13 | North Port Apartments · MI | 223(f) | $25.5M |
| 2024-11-26 | Greystone at Riverchase · AL | 223(f) | $27.6M |
| 2024-11-26 | Cambridge Towers · MI | 223(f) | $21.0M |
| 2024-09-26 | Irvington Place · MO | NC/SR | $45.3M |
| 2024-07-16 | Patuxent Commons · MD | NC/SR | $10.9M |
Largest loans, FY2022-FY2026
| Property | Program | Loan |
|---|---|---|
| Doncaster Village Apartments · MD | 223(f) | $73.6M |
| The Pointe at New Town · VA | 223(f) | $51.3M |
| Irvington Place · MO | NC/SR | $45.3M |
| Harbour Breeze Apartments · VA | 223(a)(7) | $43.1M |
| Faircliff Plaza East · DC | NC/SR | $35.1M |
| Greystone at Oakland · GA | 223(f) | $34.7M |
| The Parkway Apartments · LA | 223(f) | $33.0M |
| Tivoli Place · LA | NC/SR | $28.7M |
Its HUD servicing book today
HUD's active insured mortgage file (as of September 30, 2026) lists Capital One NA as servicer on 62 apartment loans with $1.13 billion of balance and 10,321 units. The median note rate on that book is 3.52%. 38 of the loans carry a rate under 4%. HUD lists the same name as holder of 62 loans.
- 223(f)
- 25 loans
- 221(d)(4)
- 25 loans
- 223(a)(7)
- 11 loans
- Other
- 1 loans
Largest servicing states: Texas (10), Maryland (9), Georgia (8), Virginia (8), Louisiana (6), Pennsylvania (4).
Compare it with the rest of the market in the HUD lender league table, see what recent loans closed at on HUD rates, or read how the 223(f) and 221(d)(4) programs work.
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