Capital Center LLC Mortgage Lending & HMDA Data, 2005
In 2005, Capital Center LLC of Glen Allen, VA reported 2,098 mortgage applications totaling $400.2 million, down 6% from 2004. The average application was for $190,768, and applicants reported an average income of $88,986. 58% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Richmond, VA (1,695), Virginia Beach-Norfolk-Newport News, VA-NC (75) and Charlottesville, VA (22) (applications in parentheses).
| Mortgage Company & Address | Capital Center LLC 4510 Cox Road Ste 402 Glen Allen, VA 23060 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,098 |
| Total Mortgage Loan Application Amount | $400,233,000 |
| Average Mortgage Loan Application Amount | $190,768 |
| Highest Mortgage Loan Application Amount | $863,000 |
| Average Applicant Income | $88,986 |
| Highest Applicant Income | $2,550,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capital Center LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Henrico, Virginia | 617 | $ 120,238,000 | $ 194,875 | $ 80,000 |
| Chesterfield, Virginia | 487 | $ 84,824,000 | $ 174,176 | $ 69,000 |
| Richmond City, Virginia | 222 | $ 41,861,000 | $ 188,563 | $ 134,000 |
| Hanover, Virginia | 185 | $ 36,302,000 | $ 196,227 | $ 97,000 |
| Powhatan, Virginia | 50 | $ 8,965,000 | $ 179,300 | $ 77,000 |
| Goochland, Virginia | 29 | $ 8,429,000 | $ 290,655 | $ 115,000 |
| Virginia Beach, Virginia | 24 | $ 5,887,000 | $ 245,291 | $ 90,000 |
| Caroline, Virginia | 23 | $ 3,692,000 | $ 160,521 | $ 53,000 |
| Fairfax, Virginia | 19 | $ 5,243,000 | $ 275,947 | $ 108,000 |
| Louisa, Virginia | 17 | $ 2,503,000 | $ 147,235 | $ 57,000 |
| Albemarle, Virginia | 14 | $ 2,876,000 | $ 205,428 | $ 175,000 |
| Spotsylvania, Virginia | 14 | $ 2,442,000 | $ 174,428 | $ 73,000 |
| Colonial Heights, Virginia | 12 | $ 1,499,000 | $ 124,916 | $ 74,000 |
| James City, Virginia | 12 | $ 3,187,000 | $ 265,583 | $ 114,000 |
| King William, Virginia | 12 | $ 1,679,000 | $ 139,916 | $ 65,000 |
| New Kent, Virginia | 12 | $ 2,610,000 | $ 217,500 | $ 88,000 |
| Prince George, Virginia | 9 | $ 1,797,000 | $ 199,666 | $ 88,000 |
| Middlesex, Virginia | 8 | $ 1,653,000 | $ 206,625 | $ 99,000 |
| Loudoun, Virginia | 6 | $ 1,797,000 | $ 299,500 | $ 93,000 |
| Norfolk, Virginia | 6 | $ 769,000 | $ 128,166 | $ 42,000 |
| Stafford, Virginia | 6 | $ 1,418,000 | $ 236,333 | $ 85,000 |
| Dare, North Carolina | 5 | $ 1,483,000 | $ 296,600 | $ 186,000 |
| Amelia, Virginia | 5 | $ 847,000 | $ 169,400 | $ 56,000 |
| Hampton, Virginia | 5 | $ 615,000 | $ 123,000 | $ 80,000 |
| Nottoway, Virginia | 5 | $ 704,000 | $ 140,800 | $ 41,000 |
| Rockingham, Virginia | 5 | $ 942,000 | $ 188,400 | $ 54,000 |
| Chesapeake, Virginia | 4 | $ 1,040,000 | $ 260,000 | $ 85,000 |
| Hopewell, Virginia | 4 | $ 387,000 | $ 96,750 | $ 52,000 |
| Lancaster, Virginia | 4 | $ 1,012,000 | $ 253,000 | $ 91,000 |
| Mathews, Virginia | 4 | $ 1,092,000 | $ 273,000 | $ 124,000 |
| Newport News, Virginia | 4 | $ 693,000 | $ 173,250 | $ 62,000 |
| Northumberland, Virginia | 4 | $ 860,000 | $ 215,000 | $ 219,000 |
| Arlington, Virginia | 3 | $ 813,000 | $ 271,000 | $ 157,000 |
| Campbell, Virginia | 3 | $ 949,000 | $ 316,333 | $ 111,000 |
| Dinwiddie, Virginia | 3 | $ 358,000 | $ 119,333 | $ 94,000 |
| Fredericksburg, Virginia | 3 | $ 622,000 | $ 207,333 | $ 66,000 |
| Gloucester, Virginia | 3 | $ 339,000 | $ 113,000 | $ 99,000 |
| Greene, Virginia | 3 | $ 391,000 | $ 130,333 | $ 91,000 |
| Isle of Wight, Virginia | 3 | $ 561,000 | $ 187,000 | $ 92,000 |
| King and Queen, Virginia | 3 | $ 726,000 | $ 242,000 | $ 96,000 |
| Portsmouth, Virginia | 3 | $ 410,000 | $ 136,666 | $ 73,000 |
| Roanoke, Virginia | 3 | $ 395,000 | $ 131,666 | $ 96,000 |
| Roanoke City, Virginia | 3 | $ 399,000 | $ 133,000 | $ 84,000 |
| Surry, Virginia | 3 | $ 457,000 | $ 152,333 | $ 69,000 |
| New Hanover, North Carolina | 2 | $ 202,000 | $ 101,000 | $ 75,000 |
| Alexandria, Virginia | 2 | $ 462,000 | $ 231,000 | $ 54,000 |
| Augusta, Virginia | 2 | $ 385,000 | $ 192,500 | $ 80,000 |
| Charles City, Virginia | 2 | $ 297,000 | $ 148,500 | $ 61,000 |
| Charlottesville, Virginia | 2 | $ 445,000 | $ 222,500 | $ 47,000 |
| Essex, Virginia | 2 | $ 332,000 | $ 166,000 | $ 71,000 |
| Halifax, Virginia | 2 | $ 176,000 | $ 88,000 | $ 84,000 |
| Mecklenburg, Virginia | 2 | $ 188,000 | $ 94,000 | $ 195,000 |
| Montgomery, Virginia | 2 | $ 276,000 | $ 138,000 | $ 190,000 |
| Nelson, Virginia | 2 | $ 376,000 | $ 188,000 | $ 138,000 |
| Page, Virginia | 2 | $ 376,000 | $ 188,000 | $ 79,000 |
| Petersburg, Virginia | 2 | $ 143,000 | $ 71,500 | $ 89,000 |
| Shenandoah, Virginia | 2 | $ 252,000 | $ 126,000 | $ 82,000 |
| Suffolk, Virginia | 2 | $ 242,000 | $ 121,000 | $ 65,000 |
| Baltimore, Maryland | 1 | $ 213,000 | $ 213,000 | $ 32,000 |
| Frederick, Maryland | 1 | $ 202,000 | $ 202,000 | $ 56,000 |
| Cayuga, New York | 1 | $ 85,000 | $ 85,000 | $ 119,000 |
| Cleveland, North Carolina | 1 | $ 143,000 | $ 143,000 | $ 44,000 |
| Cumberland, North Carolina | 1 | $ 173,000 | $ 173,000 | $ 135,000 |
| Currituck, North Carolina | 1 | $ 190,000 | $ 190,000 | $ 101,000 |
| Durham, North Carolina | 1 | $ 220,000 | $ 220,000 | $ 66,000 |
| Guilford, North Carolina | 1 | $ 173,000 | $ 173,000 | $ 44,000 |
| Halifax, North Carolina | 1 | $ 388,000 | $ 388,000 | $ 106,000 |
| Northampton, North Carolina | 1 | $ 200,000 | $ 200,000 | $ 94,000 |
| Pitt, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Rowan, North Carolina | 1 | $ 171,000 | $ 171,000 | $ 72,000 |
| Watauga, North Carolina | 1 | $ 130,000 | $ 130,000 | $ 45,000 |
| Accomack, Virginia | 1 | $ 312,000 | $ 312,000 | $ 75,000 |
| Alleghany, Virginia | 1 | $ 100,000 | $ 100,000 | $ 84,000 |
| Brunswick, Virginia | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Cumberland, Virginia | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Fluvanna, Virginia | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Franklin, Virginia | 1 | $ 120,000 | $ 120,000 | $ 82,000 |
| Franklin City, Virginia | 1 | $ 102,000 | $ 102,000 | $ 69,000 |
| Frederick, Virginia | 1 | $ 241,000 | $ 241,000 | $ 93,000 |
| King George, Virginia | 1 | $ 100,000 | $ 100,000 | $ 124,000 |
| Northampton, Virginia | 1 | $ 280,000 | $ 280,000 | $ 53,000 |
| Orange, Virginia | 1 | $ 311,000 | $ 311,000 | $ 88,000 |
| Poquoson, Virginia | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Prince William, Virginia | 1 | $ 100,000 | $ 100,000 | $ 79,000 |
| Staunton, Virginia | 1 | $ 316,000 | $ 316,000 | $ 79,000 |
| Washington, Virginia | 1 | $ 160,000 | $ 160,000 | $ 85,000 |
| Waynesboro, Virginia | 1 | $ 212,000 | $ 212,000 | $ 77,000 |
| York, Virginia | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for Capital Center LLC in 2005
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,193 | $218,920,000 | $203,250 | $850,000 | $77,750 | $2,550,000 |
| Home Purchase | 905 | $181,313,000 | $185,600 | $863,000 | $101,600 | $693,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,815 | $346,202,000 | $172,000 | $863,000 | $104,200 | $2,550,000 |
| Black or African American | 93 | $15,052,000 | $160,000 | $496,000 | $60,500 | $195,000 |
| Asian | 89 | $19,775,000 | $244,333 | $700,000 | $115,666 | $250,000 |
| Not Provided | 70 | $13,628,000 | $250,333 | $650,000 | $129,333 | $348,000 |
| Hispanic | 23 | $4,320,000 | $187,000 | $329,000 | $91,000 | $327,000 |
| American Indian or Alaskan Native | 7 | $906,000 | $129,000 | $150,000 | $66,000 | $108,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $350,000 | $350,000 | $350,000 | $100,000 | $100,000 |
| Not applicable | 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) | 2,097 | $399,833,000 | $178,600 | $863,000 | $90,000 | $2,550,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $400,000 | $400,000 | $400,000 | $693,000 | $693,000 |
| 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 | 1,214 | $219,537,000 | $209,500 | $743,000 | $104,500 | $801,000 |
| Application Withdrawn By Applicant | 709 | $146,186,000 | $164,250 | $863,000 | $93,500 | $630,000 |
| Application Denied By Financial Institution | 172 | $33,927,000 | $228,000 | $700,000 | $120,666 | $2,550,000 |
| Application Approved But Not Accepted | 3 | $583,000 | $209,500 | $255,000 | $60,500 | $75,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 56 | $11,082,000 | $147,000 | $700,000 | $48,000 | $264,000 |
| Debt-To-Income Ratio | 42 | $9,250,000 | $220,000 | $639,000 | $117,000 | $2,550,000 |
| Collateral | 15 | $3,165,000 | $206,500 | $600,000 | $94,000 | $225,000 |
| Other | 4 | $697,000 | $182,500 | $252,000 | $87,000 | $142,000 |
| Employment History | 3 | $841,000 | $360,000 | $600,000 | $149,500 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $419,000 | $139,000 | $160,000 | $62,000 | $91,000 |
| Unverifiable Information | 2 | $293,000 | $146,000 | $165,000 | $44,000 | $48,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capital Center LLC's 2005 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 Center LLC'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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