Capaha Bank Mortgage Lending & HMDA Data, 2016
In 2016, Capaha Bank of Tamms, IL reported 185 mortgage applications totaling $31.5 million, down 22% from 2015. The average application was for $170,113, and applicants reported an average income of $165,724. 76% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Cape Girardeau, MO-IL (144), Nashville-Davidson--Murfreesboro--Franklin, TN (2) and St. Louis, MO-IL (2) (applications in parentheses).
| Mortgage Company & Address | Capaha Bank 145 Russell Avenue - Po Box 220 Tamms, IL 62988 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 185 |
| Total Mortgage Loan Application Amount | $31,471,000 |
| Average Mortgage Loan Application Amount | $170,113 |
| Highest Mortgage Loan Application Amount | $969,000 |
| Average Applicant Income | $165,724 |
| Highest Applicant Income | $3,090,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capaha Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cape Girardeau, Missouri | 121 | $ 22,906,000 | $ 189,305 | $ 184,000 |
| Alexander, Illinois | 21 | $ 1,314,000 | $ 62,571 | $ 95,000 |
| Union, Illinois | 12 | $ 1,745,000 | $ 145,416 | $ 90,000 |
| Scott, Missouri | 11 | $ 1,955,000 | $ 177,727 | $ 187,000 |
| Perry, Missouri | 3 | $ 257,000 | $ 85,666 | $ 38,000 |
| Pulaski, Illinois | 2 | $ 200,000 | $ 100,000 | $ 41,000 |
| Bollinger, Missouri | 2 | $ 162,000 | $ 81,000 | $ 62,000 |
| Mississippi, Missouri | 2 | $ 141,000 | $ 70,500 | $ 64,000 |
| St. Charles, Missouri | 2 | $ 328,000 | $ 164,000 | $ 543,000 |
| Williamson, Tennessee | 2 | $ 1,020,000 | $ 510,000 | $ 0 |
| Baldwin, Alabama | 1 | $ 250,000 | $ 250,000 | $ 550,000 |
| Escambia, Florida | 1 | $ 246,000 | $ 246,000 | $ 114,000 |
| Kootenai, Idaho | 1 | $ 175,000 | $ 175,000 | $ 66,000 |
| Johnson, Illinois | 1 | $ 64,000 | $ 64,000 | $ 136,000 |
| Howell, Missouri | 1 | $ 143,000 | $ 143,000 | $ 38,000 |
| Randolph, Missouri | 1 | $ 325,000 | $ 325,000 | $ 206,000 |
| Ripley, Missouri | 1 | $ 240,000 | $ 240,000 | $ 572,000 |
Mortgage Loan Application Detail Totals for Capaha Bank in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 96 | $17,083,000 | $177,000 | $969,000 | $161,000 | $1,250,000 |
| Refinancing | 77 | $13,071,000 | $169,000 | $500,000 | $187,000 | $3,090,000 |
| Home Improvement | 12 | $1,317,000 | $109,000 | $215,000 | $67,000 | $135,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 130 | $20,598,000 | $158,000 | $500,000 | $176,000 | $3,090,000 |
| Not Provided | 36 | $7,350,000 | $204,000 | $969,000 | $205,000 | $940,000 |
| Not applicable | 14 | $2,813,000 | $200,000 | $784,000 | $0 | $0 |
| Black or African American | 4 | $545,000 | $136,000 | $270,000 | $68,000 | $94,000 |
| Hispanic | 1 | $165,000 | $165,000 | $165,000 | $130,000 | $130,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 171 | $29,856,000 | $174,000 | $969,000 | $175,000 | $3,090,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,615,000 | $115,000 | $246,000 | $46,000 | $114,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 141 | $25,269,000 | $179,000 | $969,000 | $192,000 | $3,090,000 |
| Application Withdrawn By Applicant | 20 | $2,953,000 | $147,000 | $417,000 | $82,000 | $321,000 |
| Application Denied By Financial Institution | 19 | $2,734,000 | $143,000 | $500,000 | $82,000 | $332,000 |
| File Closed For Incompleteness | 3 | $294,000 | $98,000 | $120,000 | $91,000 | $136,000 |
| Application Approved But Not Accepted | 2 | $221,000 | $110,000 | $128,000 | $44,000 | $52,000 |
| 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 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capaha Bank's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Capaha Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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