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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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CAPITOL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CAPITOL BANK |
| Address | 710 N. HIGH POINT ROAD
MADISON, WI 53717 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 125 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $28,921,000 |
| Average Mortgage Loan Amount Applied For | $231,000 |
| Highest Mortgage Loan Amount Applied For | $2,600,000 |
| Average Applicant Income | $127,000 |
| Highest Applicant Income | $1,335,000 |
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| Home Improvement |
8 | $843,000 |
$105,000 | $221,000 |
$155,000 | $412,000 |
| Home Purchase |
77 | $15,874,000 |
$206,000 | $1,107,000 |
$115,000 | $1,334,000 |
| Refinancing |
62 | $16,653,000 |
$268,000 | $2,600,000 |
$136,000 | $1,335,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $574,000 |
$191,000 | $260,000 |
$111,000 | $164,000 |
| Black or African American |
3 | $315,000 |
$105,000 | $179,000 |
$43,000 | $48,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
5 | $4,829,000 |
$965,000 | $2,600,000 |
$0 | $0 |
| Not Provided |
1 | $168,000 |
$168,000 | $168,000 |
$0 | $0 |
| White |
135 | $27,484,000 |
$203,000 | $960,000 |
$134,000 | $1,335,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
147 | $33,370,000 |
$227,000 | $2,600,000 |
$126,000 | $1,335,000 |
| 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) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
5 | $1,867,000 |
$373,000 | $960,000 |
$87,000 | $135,000 |
| Application Denied By Financial Institution |
3 | $829,000 |
$276,000 | $600,000 |
$14,000 | $25,000 |
| Application Withdrawn By Applicant |
2 | $367,000 |
$183,000 | $210,000 |
$26,000 | $53,000 |
| File Closed For Incompleteness |
1 | $168,000 |
$168,000 | $168,000 |
$0 | $0 |
| Loan Originated |
136 | $30,139,000 |
$221,000 | $2,600,000 |
$132,000 | $1,335,000 |
| 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 |
1 | $600,000 |
$600,000 | $600,000 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
2 | $229,000 |
$114,000 | $139,000 |
$22,000 | $25,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CAPITOL BANK by:
Metropolitan Area And
County
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