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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 | 4222 COX ROAD, SUITE 200
GLEN ALLEN, VA 23060 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 71 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $14,263,000 |
| Average Mortgage Loan Amount Applied For | $270,384 |
| Highest Mortgage Loan Amount Applied For | $2,000,000 |
| Average Applicant Income | $80,461 |
| Highest Applicant Income | $976,000 |
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| Home Improvement |
2 | $205,000 |
$102,000 | $200,000 |
$298,000 | $547,000 |
| Home Purchase |
40 | $7,227,000 |
$180,000 | $1,000,000 |
$79,000 | $395,000 |
| Refinancing |
29 | $6,831,000 |
$235,000 | $2,000,000 |
$95,000 | $976,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $565,000 |
$282,000 | $496,000 |
$228,000 | $395,000 |
| Black or African American |
1 | $173,000 |
$173,000 | $173,000 |
$102,000 | $102,000 |
| Hispanic |
1 | $40,000 |
$40,000 | $40,000 |
$26,000 | $26,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
36 | $8,988,000 |
$249,000 | $2,000,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
31 | $4,497,000 |
$145,000 | $600,000 |
$192,000 | $976,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
71 | $14,263,000 |
$200,000 | $2,000,000 |
$92,000 | $976,000 |
| 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 |
1 | $86,000 |
$86,000 | $86,000 |
$0 | $0 |
| Application Denied By Financial Institution |
1 | $79,000 |
$79,000 | $79,000 |
$101,000 | $101,000 |
| Application Withdrawn By Applicant |
3 | $1,060,000 |
$353,000 | $600,000 |
$84,000 | $228,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
66 | $13,038,000 |
$197,000 | $2,000,000 |
$93,000 | $976,000 |
| 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 |
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 |
1 | $79,000 |
$79,000 | $79,000 |
$101,000 | $101,000 |
| 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 FIRST CAPITAL BANK by:
Metropolitan Area And
County
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