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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 FINANCIAL SERVIC
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST CAPITAL FINANCIAL SERVIC |
| Address | 5600 W. GRANDE MARKET DRIVE
APPLETON, WI 54913 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 2,127 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $284,450,000 |
| Average Mortgage Loan Amount Applied For | $116,554 |
| Highest Mortgage Loan Amount Applied For | $1,260,000 |
| Average Applicant Income | $29,474 |
| Highest Applicant Income | $1,620,000 |
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| Home Improvement |
3 | $213,000 |
$68,500 | $115,000 |
$4,500 | $18,000 |
| Home Purchase |
1,264 | $165,718,000 |
$120,695 | $988,000 |
$37,608 | $1,620,000 |
| Refinancing |
1,303 | $169,901,000 |
$136,708 | $1,260,000 |
$33,833 | $983,000 |
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| American Indian or Alaskan Native |
2 | $541,000 |
$270,000 | $360,000 |
$108,000 | $144,000 |
| Asian |
42 | $7,606,000 |
$143,250 | $686,000 |
$61,500 | $300,000 |
| Black or African American |
36 | $4,967,000 |
$125,142 | $383,000 |
$67,857 | $983,000 |
| Hispanic |
292 | $45,434,000 |
$122,300 | $775,000 |
$75,600 | $720,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $110,000 |
$110,000 | $110,000 |
$55,000 | $55,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1,319 | $155,190,000 |
$129,739 | $848,000 |
$10,086 | $960,000 |
| White |
878 | $121,984,000 |
$124,772 | $1,260,000 |
$69,545 | $1,620,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,555 | $334,360,000 |
$128,846 | $1,260,000 |
$35,923 | $1,620,000 |
| FHA-insured (Federal Housing Administration) |
15 | $1,472,000 |
$87,500 | $189,000 |
$51,000 | $108,000 |
| 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 |
290 | $33,723,000 |
$118,600 | $1,260,000 |
$32,300 | $412,000 |
| Application Denied By Financial Institution |
491 | $62,618,000 |
$136,095 | $988,000 |
$27,333 | $1,620,000 |
| Application Withdrawn By Applicant |
1,020 | $124,580,000 |
$128,045 | $650,000 |
$20,909 | $780,000 |
| File Closed For Incompleteness |
251 | $32,154,000 |
$132,263 | $475,000 |
$28,052 | $156,000 |
| Loan Originated |
206 | $21,387,000 |
$105,800 | $400,000 |
$60,400 | $256,000 |
| Loan Purchased By The Institution |
312 | $61,370,000 |
$207,444 | $775,000 |
$73,111 | $480,000 |
| 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 |
22 | $2,313,000 |
$98,888 | $380,000 |
$11,888 | $90,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
132 | $14,223,000 |
$101,333 | $340,000 |
$70,583 | $1,224,000 |
| Debt-To-Income Ratio |
17 | $2,702,000 |
$157,625 | $344,000 |
$35,125 | $156,000 |
| Employment History |
7 | $1,206,000 |
$183,000 | $768,000 |
$155,833 | $983,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
7 | $787,000 |
$123,600 | $300,000 |
$8,200 | $83,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
77 | $17,344,000 |
$141,111 | $988,000 |
$47,666 | $1,620,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST CAPITAL FINANCIAL SERVIC by:
Metropolitan Area And
County
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