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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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FIRST CAPITAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST CAPITAL BANK |
| Address | 3815 MANSELL ROAD STE 150
ALPHARETTA, GA 30022 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 41 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $22,755,000 |
| Average Mortgage Loan Amount Applied For | $549,000 |
| Highest Mortgage Loan Amount Applied For | $3,883,000 |
| Average Applicant Income | $90,705 |
| Highest Applicant Income | $850,000 |
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| Home Improvement |
18 | $8,708,000 |
$386,833 | $3,883,000 |
$5,833 | $250,000 |
| Home Purchase |
15 | $5,912,000 |
$436,000 | $2,000,000 |
$320,000 | $850,000 |
| Refinancing |
10 | $8,490,000 |
$1,199,333 | $2,700,000 |
$107,666 | $322,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $95,000 |
$95,000 | $95,000 |
$90,000 | $90,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
22 | $13,755,000 |
$724,000 | $3,883,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
20 | $9,260,000 |
$415,750 | $2,500,000 |
$311,750 | $850,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
43 | $23,110,000 |
$487,222 | $3,883,000 |
$88,666 | $850,000 |
| 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 |
3 | $1,035,000 |
$327,500 | $660,000 |
$36,000 | $144,000 |
| Application Denied By Financial Institution |
3 | $4,082,000 |
$1,028,000 | $3,883,000 |
$0 | $0 |
| Application Withdrawn By Applicant |
4 | $2,525,000 |
$540,000 | $1,000,000 |
$0 | $0 |
| File Closed For Incompleteness |
4 | $3,780,000 |
$945,000 | $2,500,000 |
$0 | $0 |
| Loan Originated |
27 | $11,333,000 |
$618,166 | $2,700,000 |
$121,333 | $850,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
2 | $355,000 |
$177,000 | $260,000 |
$84,000 | $90,000 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 FIRST CAPITAL BANK by:
Metropolitan Area And
County
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