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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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CAPITAL CITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CAPITAL CITY BANK |
| Address | 3710 S TOPEKA
TOPEKA, KS 66609 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 616 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $75,559,000 |
| Average Mortgage Loan Amount Applied For | $119,384 |
| Highest Mortgage Loan Amount Applied For | $1,940,000 |
| Average Applicant Income | $84,333 |
| Highest Applicant Income | $2,803,000 |
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| Home Improvement |
48 | $870,000 |
$18,000 | $125,000 |
$58,000 | $175,000 |
| Home Purchase |
410 | $57,557,000 |
$140,000 | $1,940,000 |
$94,000 | $2,803,000 |
| Refinancing |
158 | $17,132,000 |
$108,000 | $575,000 |
$103,000 | $1,058,000 |
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| American Indian or Alaskan Native |
6 | $433,000 |
$72,000 | $141,000 |
$53,000 | $76,000 |
| Asian |
10 | $2,757,000 |
$275,000 | $600,000 |
$117,000 | $198,000 |
| Black or African American |
7 | $818,000 |
$116,000 | $327,000 |
$88,000 | $182,000 |
| Hispanic |
16 | $1,607,000 |
$100,000 | $224,000 |
$63,000 | $180,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $174,000 |
$174,000 | $174,000 |
$66,000 | $66,000 |
| Not applicable |
24 | $3,612,000 |
$150,000 | $1,621,000 |
$245,000 | $1,058,000 |
| Not Provided |
33 | $4,276,000 |
$129,000 | $315,000 |
$176,000 | $2,803,000 |
| White |
519 | $61,882,000 |
$119,000 | $1,940,000 |
$83,000 | $1,397,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
613 | $75,137,000 |
$122,000 | $1,940,000 |
$94,000 | $2,803,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
3 | $422,000 |
$140,000 | $175,000 |
$50,000 | $63,000 |
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| Application Approved But Not Accepted |
46 | $6,715,000 |
$145,000 | $600,000 |
$74,000 | $491,000 |
| Application Denied By Financial Institution |
61 | $5,035,000 |
$82,000 | $305,000 |
$51,000 | $113,000 |
| Application Withdrawn By Applicant |
50 | $6,634,000 |
$132,000 | $580,000 |
$72,000 | $298,000 |
| File Closed For Incompleteness |
26 | $3,096,000 |
$119,000 | $600,000 |
$55,000 | $192,000 |
| Loan Originated |
433 | $54,079,000 |
$124,000 | $1,940,000 |
$107,000 | $2,803,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
10 | $894,000 |
$89,000 | $305,000 |
$59,000 | $92,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
32 | $2,658,000 |
$83,000 | $204,000 |
$49,000 | $88,000 |
| Debt-To-Income Ratio |
13 | $986,000 |
$75,000 | $204,000 |
$51,000 | $113,000 |
| Employment History |
1 | $10,000 |
$10,000 | $10,000 |
$37,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $313,000 |
$104,000 | $154,000 |
$66,000 | $78,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $138,000 |
$138,000 | $138,000 |
$77,000 | $77,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CAPITAL CITY BANK by:
Metropolitan Area And
County
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