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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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CAPITAL CITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CAPITAL CITY BANK |
| Address | 1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32304 |
| Agency | Federal Reserve System (FRS) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 2,408 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $302,252,000 |
| Average Mortgage Loan Amount Applied For | $144,651 |
| Highest Mortgage Loan Amount Applied For | $3,800,000 |
| Average Applicant Income | $79,360 |
| Highest Applicant Income | $2,739,000 |
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| Home Improvement |
303 | $21,813,000 |
$71,000 | $666,000 |
$55,000 | $277,000 |
| Home Purchase |
1,101 | $164,097,000 |
$149,000 | $1,235,000 |
$82,000 | $2,739,000 |
| Refinancing |
1,009 | $116,623,000 |
$115,000 | $3,800,000 |
$65,000 | $1,128,000 |
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| American Indian or Alaskan Native |
6 | $513,000 |
$85,000 | $145,000 |
$39,000 | $85,000 |
| Asian |
40 | $11,204,000 |
$280,000 | $3,800,000 |
$104,000 | $750,000 |
| Black or African American |
289 | $26,185,000 |
$90,000 | $530,000 |
$52,000 | $350,000 |
| Hispanic |
60 | $6,780,000 |
$113,000 | $380,000 |
$62,000 | $261,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $565,000 |
$188,000 | $245,000 |
$106,000 | $169,000 |
| Not applicable |
79 | $7,508,000 |
$95,000 | $2,500,000 |
$2,000 | $225,000 |
| Not Provided |
65 | $11,636,000 |
$179,000 | $1,235,000 |
$99,000 | $863,000 |
| White |
1,871 | $238,142,000 |
$127,000 | $1,000,000 |
$76,000 | $2,739,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,300 | $286,609,000 |
$124,000 | $3,800,000 |
$73,000 | $2,739,000 |
| FHA-insured (Federal Housing Administration) |
67 | $8,743,000 |
$130,000 | $203,000 |
$56,000 | $228,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
20 | $2,412,000 |
$120,000 | $203,000 |
$39,000 | $67,000 |
| VA-guaranteed (Veterans Administration) |
26 | $4,769,000 |
$183,000 | $417,000 |
$64,000 | $135,000 |
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| Application Approved But Not Accepted |
52 | $9,585,000 |
$184,000 | $778,000 |
$92,000 | $645,000 |
| Application Denied By Financial Institution |
240 | $33,218,000 |
$138,000 | $3,800,000 |
$61,000 | $750,000 |
| Application Withdrawn By Applicant |
192 | $32,722,000 |
$170,000 | $893,000 |
$81,000 | $863,000 |
| File Closed For Incompleteness |
44 | $8,106,000 |
$184,000 | $1,000,000 |
$90,000 | $700,000 |
| Loan Originated |
1,880 | $218,621,000 |
$116,000 | $2,500,000 |
$71,000 | $2,739,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
5 | $281,000 |
$56,000 | $73,000 |
$26,000 | $45,000 |
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| Collateral |
35 | $8,528,000 |
$243,000 | $3,800,000 |
$95,000 | $750,000 |
| Credit Application Incomplete |
1 | $100,000 |
$100,000 | $100,000 |
$0 | $0 |
| Credit History |
98 | $7,630,000 |
$77,000 | $456,000 |
$48,000 | $400,000 |
| Debt-To-Income Ratio |
58 | $8,323,000 |
$143,000 | $608,000 |
$47,000 | $132,000 |
| Employment History |
2 | $285,000 |
$142,000 | $225,000 |
$39,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $1,097,000 |
$274,000 | $380,000 |
$89,000 | $131,000 |
| Mortgage Insurance Denied |
3 | $823,000 |
$274,000 | $450,000 |
$85,000 | $192,000 |
| Other |
36 | $4,979,000 |
$138,000 | $900,000 |
$78,000 | $449,000 |
| Unverifiable Information |
8 | $1,734,000 |
$216,000 | $482,000 |
$72,000 | $149,000 |
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Mortgage Loan App Totals for CAPITAL CITY BANK by:
Metropolitan Area And
County
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