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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 | 6699 N. SHERIDAN RD
PEORIA, IL 61614 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 440 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $49,983,000 |
| Average Mortgage Loan Amount Applied For | $128,266 |
| Highest Mortgage Loan Amount Applied For | $722,000 |
| Average Applicant Income | $81,800 |
| Highest Applicant Income | $816,000 |
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| Home Improvement |
2 | $246,000 |
$123,000 | $129,000 |
$67,000 | $94,000 |
| Home Purchase |
297 | $29,431,000 |
$115,250 | $650,000 |
$64,000 | $561,000 |
| Refinancing |
156 | $21,577,000 |
$121,500 | $722,000 |
$73,500 | $816,000 |
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| American Indian or Alaskan Native |
1 | $100,000 |
$100,000 | $100,000 |
$81,000 | $81,000 |
| Asian |
14 | $1,648,000 |
$117,000 | $230,000 |
$56,000 | $132,000 |
| Black or African American |
40 | $3,483,000 |
$88,666 | $532,000 |
$50,666 | $561,000 |
| Hispanic |
6 | $769,000 |
$128,000 | $366,000 |
$65,000 | $200,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
394 | $45,254,000 |
$144,250 | $722,000 |
$79,000 | $816,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
368 | $44,284,000 |
$126,750 | $722,000 |
$74,250 | $816,000 |
| FHA-insured (Federal Housing Administration) |
76 | $6,029,000 |
$72,500 | $157,000 |
$34,500 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
11 | $941,000 |
$75,000 | $144,000 |
$35,000 | $68,000 |
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| Application Approved But Not Accepted |
3 | $410,000 |
$136,000 | $192,000 |
$117,000 | $212,000 |
| Application Denied By Financial Institution |
16 | $1,246,000 |
$73,000 | $158,000 |
$26,000 | $83,000 |
| Application Withdrawn By Applicant |
32 | $3,650,000 |
$108,666 | $288,000 |
$55,000 | $816,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
394 | $45,126,000 |
$162,333 | $722,000 |
$94,000 | $797,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
5 | $374,000 |
$74,000 | $97,000 |
$36,000 | $82,000 |
| Preapproval Denied by Financial Institution |
5 | $448,000 |
$89,000 | $138,000 |
$37,000 | $73,000 |
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| Collateral |
3 | $152,000 |
$50,000 | $67,000 |
$31,000 | $43,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $328,000 |
$82,000 | $138,000 |
$45,000 | $73,000 |
| Debt-To-Income Ratio |
8 | $622,000 |
$73,000 | $147,000 |
$26,500 | $56,000 |
| Employment History |
3 | $377,000 |
$119,000 | $158,000 |
$43,500 | $83,000 |
| 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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