Capital Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Capital Bank 2007 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Capital Bank 333 Fayetteville Street, Suite 800 Raleigh, NC 27601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 920 |
| Total Mortgage Loan Application Amount | $144,048,000 |
| Average Mortgage Loan Application Amount | $153,666 |
| Highest Mortgage Loan Application Amount | $2,200,000 |
| Average Applicant Income | $117,333 |
| Highest Applicant Income | $2,388,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with Capital Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Capital Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down Capital Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Capital Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Capital Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Capital Bank's mortgage activity for 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wake County North Carolina | 281 | $ 50,100,000 | $ 178,000 | $ 100,000 |
| Alamance County North Carolina | 93 | $ 11,038,000 | $ 118,000 | $ 72,000 |
| Buncombe County North Carolina | 81 | $ 17,527,000 | $ 216,000 | $ 98,000 |
| Lee County North Carolina | 57 | $ 6,391,000 | $ 112,000 | $ 67,000 |
| Catawba County North Carolina | 55 | $ 6,073,000 | $ 110,000 | $ 66,000 |
| Wayne County North Carolina | 42 | $ 4,877,000 | $ 116,000 | $ 70,000 |
| Granville County North Carolina | 33 | $ 5,301,000 | $ 160,000 | $ 70,000 |
| Chatham County North Carolina | 32 | $ 3,723,000 | $ 116,000 | $ 59,000 |
| Durham County North Carolina | 31 | $ 4,204,000 | $ 135,000 | $ 69,000 |
| Guilford County North Carolina | 22 | $ 2,178,000 | $ 99,000 | $ 107,000 |
| Johnston County North Carolina | 18 | $ 1,673,000 | $ 92,000 | $ 49,000 |
| Caldwell County North Carolina | 15 | $ 1,211,000 | $ 80,000 | $ 90,000 |
| Harnett County North Carolina | 14 | $ 1,559,000 | $ 111,000 | $ 63,000 |
| Franklin County North Carolina | 12 | $ 2,172,000 | $ 181,000 | $ 42,000 |
| Henderson County North Carolina | 12 | $ 1,394,000 | $ 116,000 | $ 83,000 |
| Moore County North Carolina | 10 | $ 869,000 | $ 86,000 | $ 75,000 |
| Burke County North Carolina | 9 | $ 715,000 | $ 79,000 | $ 80,000 |
| Alexander County North Carolina | 8 | $ 462,000 | $ 57,000 | $ 15,000 |
| Orange County North Carolina | 8 | $ 1,744,000 | $ 218,000 | $ 142,000 |
| Brunswick County North Carolina | 7 | $ 1,660,000 | $ 237,000 | $ 129,000 |
| Madison County North Carolina | 5 | $ 889,000 | $ 177,000 | $ 46,000 |
| Randolph County North Carolina | 5 | $ 999,000 | $ 199,000 | $ 61,000 |
| Carteret County North Carolina | 3 | $ 1,349,000 | $ 449,000 | $ 124,000 |
| Cumberland County North Carolina | 3 | $ 392,000 | $ 130,000 | $ 72,000 |
| Lincoln County North Carolina | 3 | $ 559,000 | $ 186,000 | $ 40,000 |
| Onslow County North Carolina | 3 | $ 824,000 | $ 274,000 | $ 270,000 |
| Yancey County North Carolina | 3 | $ 613,000 | $ 204,000 | $ 111,000 |
| Horry County South Carolina | 3 | $ 332,000 | $ 110,000 | $ 101,000 |
| Union County Georgia | 2 | $ 427,000 | $ 213,000 | $ 0 |
| Haywood County North Carolina | 2 | $ 388,000 | $ 194,000 | $ 0 |
| Mecklenburg County North Carolina | 2 | $ 949,000 | $ 474,000 | $ 228,000 |
| New Hanover County North Carolina | 2 | $ 658,000 | $ 329,000 | $ 261,000 |
| Pender County North Carolina | 2 | $ 368,000 | $ 184,000 | $ 84,000 |
| Person County North Carolina | 2 | $ 254,000 | $ 127,000 | $ 14,000 |
| Robeson County North Carolina | 2 | $ 66,000 | $ 33,000 | $ 45,000 |
| Licking County Ohio | 2 | $ 149,000 | $ 74,000 | $ 53,000 |
| Charleston County South Carolina | 2 | $ 2,326,000 | $ 1,163,000 | $ 2,388,000 |
| Montgomery County Texas | 2 | $ 667,000 | $ 333,000 | $ 188,000 |
| Baldwin County Alabama | 1 | $ 417,000 | $ 417,000 | $ 311,000 |
| St. Johns County Florida | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Fannin County Georgia | 1 | $ 236,000 | $ 236,000 | $ 77,000 |
| Lamar County Mississippi | 1 | $ 173,000 | $ 173,000 | $ 77,000 |
| Somerset County New Jersey | 1 | $ 410,000 | $ 410,000 | $ 200,000 |
| Ashe County North Carolina | 1 | $ 284,000 | $ 284,000 | $ 151,000 |
| Currituck County North Carolina | 1 | $ 91,000 | $ 91,000 | $ 227,000 |
| Edgecombe County North Carolina | 1 | $ 21,000 | $ 21,000 | $ 110,000 |
| Forsyth County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Gaston County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 192,000 |
| Halifax County North Carolina | 1 | $ 106,000 | $ 106,000 | $ 34,000 |
| Jackson County North Carolina | 1 | $ 320,000 | $ 320,000 | $ 84,000 |
| Lenoir County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Macon County North Carolina | 1 | $ 415,000 | $ 415,000 | $ 553,000 |
| McDowell County North Carolina | 1 | $ 300,000 | $ 300,000 | $ 74,000 |
| Nash County North Carolina | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Northampton County North Carolina | 1 | $ 525,000 | $ 525,000 | $ 240,000 |
| Pitt County North Carolina | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Richmond County North Carolina | 1 | $ 89,000 | $ 89,000 | $ 25,000 |
| Rutherford County North Carolina | 1 | $ 51,000 | $ 51,000 | $ 67,000 |
| Stanly County North Carolina | 1 | $ 351,000 | $ 351,000 | $ 228,000 |
| Union County North Carolina | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Vance County North Carolina | 1 | $ 133,000 | $ 133,000 | $ 44,000 |
| Warren County North Carolina | 1 | $ 133,000 | $ 133,000 | $ 1,296,000 |
| Watauga County North Carolina | 1 | $ 398,000 | $ 398,000 | $ 214,000 |
| Wilson County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 31,000 |
| Warren County Ohio | 1 | $ 235,000 | $ 235,000 | $ 72,000 |
| Kent County Rhode Island | 1 | $ 456,000 | $ 456,000 | $ 660,000 |
| Beaufort County South Carolina | 1 | $ 128,000 | $ 128,000 | $ 65,000 |
| Spartanburg County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 63,000 |
| Chesapeake County Virginia | 1 | $ 199,000 | $ 199,000 | $ 50,000 |
| Mecklenburg County Virginia | 1 | $ 195,000 | $ 195,000 | $ 216,000 |
Mortgage Loan Application Detail Totals for Capital Bank in 2007
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 | 560 | $87,096,000 | $155,000 | $1,325,000 | $86,000 | $1,296,000 |
| Refinancing | 317 | $50,590,000 | $159,000 | $1,000,000 | $91,000 | $660,000 |
| Home Improvement | 43 | $6,362,000 | $147,000 | $2,200,000 | $175,000 | $2,388,000 |
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 | 707 | $110,078,000 | $155,000 | $1,326,000 | $105,000 | $2,388,000 |
| Not applicable | 85 | $16,825,000 | $197,000 | $2,200,000 | $3,000 | $137,000 |
| Black or African American | 44 | $4,217,000 | $95,000 | $248,000 | $61,000 | $209,000 |
| Not Provided | 38 | $6,304,000 | $165,000 | $650,000 | $82,000 | $473,000 |
| Hispanic | 30 | $4,112,000 | $137,000 | $650,000 | $98,000 | $678,000 |
| Asian | 15 | $2,379,000 | $158,000 | $417,000 | $83,000 | $252,000 |
| American Indian or Alaskan Native | 1 | $133,000 | $133,000 | $133,000 | $44,000 | $44,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 895 | $141,125,000 | $157,000 | $2,200,000 | $93,000 | $2,388,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $2,735,000 | $118,000 | $189,000 | $37,000 | $48,000 |
| FHA-insured (Federal Housing Administration) | 2 | $188,000 | $94,000 | $114,000 | $45,000 | $64,000 |
| VA-guaranteed (Veterans 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 | 774 | $123,927,000 | $160,000 | $2,200,000 | $94,000 | $2,388,000 |
| Application Withdrawn By Applicant | 70 | $10,851,000 | $155,000 | $1,000,000 | $82,000 | $528,000 |
| Application Denied By Financial Institution | 58 | $6,227,000 | $107,000 | $650,000 | $61,000 | $311,000 |
| Application Approved But Not Accepted | 17 | $2,627,000 | $154,000 | $601,000 | $120,000 | $379,000 |
| File Closed For Incompleteness | 1 | $416,000 | $416,000 | $416,000 | $150,000 | $150,000 |
| 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 Capital Bank's 2007 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 Capital 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.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.