Capital Center LLC Mortgage Lending & HMDA Data, 2020

In 2020, Capital Center LLC of Glen Allen, VA reported 10,966 mortgage applications totaling $2.5 billion, up 131% from 2019. The average application was for $231,025, and applicants reported an average income of $113,778. 68% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Richmond, VA (7,440), Virginia Beach-Norfolk-Newport News, VA-NC (1,417) and Raleigh, NC (370) (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 10,966
Total Mortgage Loan Application Amount $2,533,430,000
Average Mortgage Loan Application Amount $231,025
Highest Mortgage Loan Application Amount $1,605,000
Average Applicant Income $113,778
Highest Applicant Income $1,500,000

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Act (HMDA) records Capital Center LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Capital Center LLC by County in 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Henrico, Virginia 2,341 $ 550,995,000 $ 235,367 $ 119,000
Chesterfield, Virginia 2,238 $ 513,160,000 $ 229,294 $ 111,000
Richmond City, Virginia 988 $ 236,550,000 $ 239,423 $ 124,000
Hanover, Virginia 986 $ 234,560,000 $ 237,890 $ 118,000
Virginia Beach, Virginia 454 $ 109,230,000 $ 240,594 $ 104,000
Wake, North Carolina 297 $ 63,785,000 $ 214,764 $ 103,000
Powhatan, Virginia 228 $ 56,420,000 $ 247,456 $ 112,000
Chesapeake, Virginia 217 $ 51,995,000 $ 239,608 $ 96,000
Goochland, Virginia 168 $ 49,210,000 $ 292,916 $ 137,000
New Kent, Virginia 143 $ 32,295,000 $ 225,839 $ 104,000
Albemarle, Virginia 142 $ 35,830,000 $ 252,323 $ 120,000
Norfolk, Virginia 130 $ 26,430,000 $ 203,307 $ 104,000
James City, Virginia 105 $ 25,885,000 $ 246,523 $ 110,000
Louisa, Virginia 94 $ 20,220,000 $ 215,106 $ 104,000
King William, Virginia 88 $ 17,830,000 $ 202,613 $ 86,000
Prince George, Virginia 85 $ 15,585,000 $ 183,352 $ 86,000
Newport News, Virginia 82 $ 14,180,000 $ 172,926 $ 95,000
Portsmouth, Virginia 73 $ 11,395,000 $ 156,095 $ 84,000
Fairfax, Virginia 71 $ 25,195,000 $ 354,859 $ 146,000
Dare, North Carolina 70 $ 18,480,000 $ 264,000 $ 153,000
Durham, North Carolina 70 $ 14,020,000 $ 200,285 $ 107,000
Suffolk, Virginia 65 $ 14,765,000 $ 227,153 $ 110,000
York, Virginia 60 $ 15,260,000 $ 254,333 $ 124,000
Gloucester, Virginia 57 $ 10,915,000 $ 191,491 $ 94,000
Prince William, Virginia 55 $ 18,715,000 $ 340,272 $ 128,000
Spotsylvania, Virginia 55 $ 13,855,000 $ 251,909 $ 112,000
Johnston, North Carolina 54 $ 9,110,000 $ 168,703 $ 105,000
Caroline, Virginia 51 $ 10,045,000 $ 196,960 $ 87,000
Loudoun, Virginia 47 $ 16,655,000 $ 354,361 $ 167,000
Dinwiddie, Virginia 44 $ 7,320,000 $ 166,363 $ 78,000
Hampton, Virginia 44 $ 6,500,000 $ 147,727 $ 78,000
Charlottesville, Virginia 43 $ 10,015,000 $ 232,906 $ 118,000
Fluvanna, Virginia 43 $ 8,695,000 $ 202,209 $ 95,000
Isle of Wight, Virginia 42 $ 9,940,000 $ 236,666 $ 96,000
Colonial Heights, Virginia 36 $ 6,010,000 $ 166,944 $ 82,000
Mecklenburg, North Carolina 35 $ 7,965,000 $ 227,571 $ 118,000
Currituck, North Carolina 30 $ 7,500,000 $ 250,000 $ 141,000
Bedford, Virginia 29 $ 7,005,000 $ 241,551 $ 140,000
Montgomery, Virginia 29 $ 5,705,000 $ 196,724 $ 123,000
Stafford, Virginia 28 $ 6,780,000 $ 242,142 $ 110,000
Amelia, Virginia 26 $ 4,900,000 $ 188,461 $ 83,000
Middlesex, Virginia 26 $ 6,780,000 $ 260,769 $ 173,000
Hopewell, Virginia 24 $ 3,500,000 $ 145,833 $ 89,000
Mecklenburg, Virginia 24 $ 5,830,000 $ 242,916 $ 170,000
Nelson, Virginia 24 $ 5,690,000 $ 237,083 $ 201,000
Northumberland, Virginia 24 $ 4,500,000 $ 187,500 $ 139,000
Roanoke, Virginia 24 $ 4,240,000 $ 176,666 $ 81,000
Greene, Virginia 20 $ 4,010,000 $ 200,500 $ 85,000
Orange, Virginia 20 $ 3,810,000 $ 190,500 $ 74,000
Franklin, North Carolina 19 $ 3,085,000 $ 162,368 $ 85,000
Guilford, North Carolina 18 $ 3,530,000 $ 196,111 $ 115,000
Harnett, North Carolina 18 $ 2,650,000 $ 147,222 $ 76,000
New Hanover, North Carolina 18 $ 4,030,000 $ 223,888 $ 109,000
Arlington, Virginia 18 $ 7,290,000 $ 405,000 $ 176,000
Lynchburg, Virginia 18 $ 3,130,000 $ 173,888 $ 117,000
Botetourt, Virginia 17 $ 3,475,000 $ 204,411 $ 93,000
Cumberland, Virginia 17 $ 2,735,000 $ 160,882 $ 75,000
Lancaster, Virginia 17 $ 4,415,000 $ 259,705 $ 166,000
Mathews, Virginia 17 $ 3,755,000 $ 220,882 $ 120,000
Roanoke City, Virginia 17 $ 3,005,000 $ 176,764 $ 100,000
Orange, North Carolina 16 $ 4,150,000 $ 259,375 $ 144,000
Essex, Virginia 16 $ 3,240,000 $ 202,500 $ 145,000
Brunswick, North Carolina 15 $ 2,575,000 $ 171,666 $ 125,000
Carteret, North Carolina 13 $ 3,095,000 $ 238,076 $ 163,000
Alexandria, Virginia 13 $ 4,275,000 $ 328,846 $ 201,000
Charles City, Virginia 13 $ 2,805,000 $ 215,769 $ 101,000
Petersburg, Virginia 13 $ 2,155,000 $ 165,769 $ 88,000
Poquoson, Virginia 13 $ 3,235,000 $ 248,846 $ 96,000
Augusta, Virginia 12 $ 2,840,000 $ 236,666 $ 103,000
King and Queen, Virginia 12 $ 2,210,000 $ 184,166 $ 115,000
Prince Edward, Virginia 12 $ 1,680,000 $ 140,000 $ 67,000
Waynesboro, Virginia 12 $ 2,220,000 $ 185,000 $ 86,000
Nash, North Carolina 11 $ 1,775,000 $ 161,363 $ 90,000
Warren, North Carolina 11 $ 2,735,000 $ 248,636 $ 169,000
Brunswick, Virginia 11 $ 3,165,000 $ 287,727 $ 153,000
Franklin, Virginia 11 $ 2,515,000 $ 228,636 $ 149,000
King George, Virginia 11 $ 2,505,000 $ 227,727 $ 139,000
Richmond, Virginia 11 $ 2,215,000 $ 201,363 $ 129,000
Fauquier, Virginia 10 $ 2,860,000 $ 286,000 $ 108,000
Fredericksburg, Virginia 10 $ 2,770,000 $ 277,000 $ 135,000
Harrisonburg, Virginia 10 $ 1,680,000 $ 168,000 $ 93,000
Nottoway, Virginia 10 $ 1,560,000 $ 156,000 $ 97,000
Westmoreland, Virginia 10 $ 2,420,000 $ 242,000 $ 101,000
Camden, North Carolina 9 $ 2,205,000 $ 245,000 $ 82,000
Forsyth, North Carolina 9 $ 1,885,000 $ 209,444 $ 110,000
Northampton, North Carolina 9 $ 2,275,000 $ 252,777 $ 147,000
Pasquotank, North Carolina 9 $ 1,595,000 $ 177,222 $ 79,000
Union, North Carolina 9 $ 2,485,000 $ 276,111 $ 127,000
Campbell, Virginia 9 $ 1,655,000 $ 183,888 $ 145,000
Williamsburg, Virginia 9 $ 1,675,000 $ 186,111 $ 64,000
Alamance, North Carolina 8 $ 1,160,000 $ 145,000 $ 72,000
Chatham, North Carolina 8 $ 2,100,000 $ 262,500 $ 107,000
Granville, North Carolina 8 $ 1,910,000 $ 238,750 $ 86,000
Culpeper, Virginia 8 $ 1,970,000 $ 246,250 $ 101,000
Rockingham, Virginia 8 $ 1,500,000 $ 187,500 $ 113,000
Salem, Virginia 8 $ 1,580,000 $ 197,500 $ 76,000
Surry, Virginia 8 $ 1,780,000 $ 222,500 $ 163,000
Buncombe, North Carolina 7 $ 1,825,000 $ 260,714 $ 95,000
Cabarrus, North Carolina 7 $ 1,465,000 $ 209,285 $ 103,000
Pitt, North Carolina 7 $ 1,015,000 $ 145,000 $ 84,000
Fairfax City, Virginia 7 $ 1,775,000 $ 253,571 $ 139,000
Frederick, Virginia 7 $ 1,215,000 $ 173,571 $ 102,000
Northampton, Virginia 7 $ 1,405,000 $ 200,714 $ 134,000
Sussex, Virginia 7 $ 1,075,000 $ 153,571 $ 149,000
Gaston, North Carolina 6 $ 1,100,000 $ 183,333 $ 71,000
Amherst, Virginia 6 $ 1,340,000 $ 223,333 $ 124,000
Buckingham, Virginia 6 $ 950,000 $ 158,333 $ 56,000
Halifax, Virginia 6 $ 670,000 $ 111,666 $ 73,000
Southampton, Virginia 6 $ 840,000 $ 140,000 $ 60,000
Craven, North Carolina 5 $ 845,000 $ 169,000 $ 90,000
Iredell, North Carolina 5 $ 995,000 $ 199,000 $ 116,000
Moore, North Carolina 5 $ 885,000 $ 177,000 $ 104,000
Pender, North Carolina 5 $ 835,000 $ 167,000 $ 73,000
Perquimans, North Carolina 5 $ 1,355,000 $ 271,000 $ 302,000
Madison, Virginia 5 $ 905,000 $ 181,000 $ 64,000
Pulaski, Virginia 5 $ 795,000 $ 159,000 $ 80,000
Staunton, Virginia 5 $ 735,000 $ 147,000 $ 68,000
Washington, Virginia 5 $ 1,155,000 $ 231,000 $ 81,000
Burke, North Carolina 4 $ 800,000 $ 200,000 $ 150,000
Cumberland, North Carolina 4 $ 630,000 $ 157,500 $ 69,000
Halifax, North Carolina 4 $ 650,000 $ 162,500 $ 132,000
Lee, North Carolina 4 $ 580,000 $ 145,000 $ 52,000
Onslow, North Carolina 4 $ 660,000 $ 165,000 $ 68,000
Person, North Carolina 4 $ 780,000 $ 195,000 $ 95,000
Radford, Virginia 4 $ 680,000 $ 170,000 $ 85,000
Rockbridge, Virginia 4 $ 800,000 $ 200,000 $ 71,000
Gates, North Carolina 3 $ 445,000 $ 148,333 $ 82,000
Rowan, North Carolina 3 $ 585,000 $ 195,000 $ 107,000
Sampson, North Carolina 3 $ 645,000 $ 215,000 $ 67,000
Wayne, North Carolina 3 $ 445,000 $ 148,333 $ 56,000
Wilkes, North Carolina 3 $ 495,000 $ 165,000 $ 158,000
Accomack, Virginia 3 $ 355,000 $ 118,333 $ 90,000
Appomattox, Virginia 3 $ 765,000 $ 255,000 $ 141,000
Page, Virginia 3 $ 385,000 $ 128,333 $ 102,000
Warren, Virginia 3 $ 575,000 $ 191,666 $ 267,000
Winchester, Virginia 3 $ 875,000 $ 291,666 $ 113,000
Beaufort, North Carolina 2 $ 360,000 $ 180,000 $ 69,000
Catawba, North Carolina 2 $ 550,000 $ 275,000 $ 73,000
Chowan, North Carolina 2 $ 280,000 $ 140,000 $ 100,000
Davidson, North Carolina 2 $ 540,000 $ 270,000 $ 102,000
McDowell, North Carolina 2 $ 540,000 $ 270,000 $ 106,000
Robeson, North Carolina 2 $ 290,000 $ 145,000 $ 61,000
Stokes, North Carolina 2 $ 220,000 $ 110,000 $ 54,000
Transylvania, North Carolina 2 $ 420,000 $ 210,000 $ 133,000
Watauga, North Carolina 2 $ 600,000 $ 300,000 $ 241,000
Alleghany, Virginia 2 $ 530,000 $ 265,000 $ 196,000
Craig, Virginia 2 $ 290,000 $ 145,000 $ 81,000
Falls Church, Virginia 2 $ 690,000 $ 345,000 $ 116,000
Floyd, Virginia 2 $ 620,000 $ 310,000 $ 130,000
Lunenburg, Virginia 2 $ 330,000 $ 165,000 $ 70,000
Manassas, Virginia 2 $ 440,000 $ 220,000 $ 103,000
Pittsylvania, Virginia 2 $ 220,000 $ 110,000 $ 35,000
Alleghany, North Carolina 1 $ 345,000 $ 345,000 $ 109,000
Ashe, North Carolina 1 $ 115,000 $ 115,000 $ 78,000
Avery, North Carolina 1 $ 115,000 $ 115,000 $ 54,000
Davie, North Carolina 1 $ 205,000 $ 205,000 $ 170,000
Edgecombe, North Carolina 1 $ 195,000 $ 195,000 $ 105,000
Hoke, North Carolina 1 $ 145,000 $ 145,000 $ 45,000
Hyde, North Carolina 1 $ 255,000 $ 255,000 $ 167,000
Lenoir, North Carolina 1 $ 105,000 $ 105,000 $ 65,000
Lincoln, North Carolina 1 $ 245,000 $ 245,000 $ 100,000
Pamlico, North Carolina 1 $ 325,000 $ 325,000 $ 161,000
Polk, North Carolina 1 $ 175,000 $ 175,000 $ 96,000
Randolph, North Carolina 1 $ 135,000 $ 135,000 $ 85,000
Rockingham, North Carolina 1 $ 85,000 $ 85,000 $ 30,000
Rutherford, North Carolina 1 $ 105,000 $ 105,000 $ 34,000
Vance, North Carolina 1 $ 245,000 $ 245,000 $ 55,000
Wilson, North Carolina 1 $ 105,000 $ 105,000 $ 32,000
Greenville, South Carolina 1 $ 275,000 $ 275,000 $ 88,000
Oconee, South Carolina 1 $ 105,000 $ 105,000 $ 63,000
Richland, South Carolina 1 $ 165,000 $ 165,000 $ 62,000
York, South Carolina 1 $ 325,000 $ 325,000 $ 120,000
Bath, Virginia 1 $ 105,000 $ 105,000 $ 90,000
Carroll, Virginia 1 $ 145,000 $ 145,000 $ 55,000
Charlotte, Virginia 1 $ 155,000 $ 155,000 $ 190,000
Danville, Virginia 1 $ 265,000 $ 265,000 $ 170,000
Franklin City, Virginia 1 $ 185,000 $ 185,000 $ 81,000
Lexington, Virginia 1 $ 135,000 $ 135,000 $ 48,000
Patrick, Virginia 1 $ 105,000 $ 105,000 $ 48,000
Rappahannock, Virginia 1 $ 245,000 $ 245,000 $ 160,000
Shenandoah, Virginia 1 $ 105,000 $ 105,000 $ 86,000
Tazewell, Virginia 1 $ 145,000 $ 145,000 $ 49,000

Mortgage Loan Application Detail Totals for Capital Center LLC in 2020

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 7,317 $1,698,955,000 $232,000 $1,605,000 $116,000 $1,500,000
Cash-out Refinancing 2,367 $503,805,000 $212,000 $685,000 $103,000 $1,100,000
Home Purchase 1,282 $330,670,000 $257,000 $985,000 $121,000 $698,000
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 0 $0 $0 $0 $0 $0
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 8,631 $1,993,955,000 $231,000 $1,605,000 $113,000 $1,500,000
Not Provided 1,255 $289,265,000 $230,000 $745,000 $123,000 $1,198,000
Black or African American 399 $81,775,000 $204,000 $565,000 $94,000 $450,000
Asian 216 $54,970,000 $254,000 $1,225,000 $130,000 $487,000
Hispanic 117 $25,735,000 $219,000 $685,000 $98,000 $500,000
American Indian or Alaskan Native 35 $6,765,000 $193,000 $505,000 $96,000 $180,000
Native Hawaiian or Other Pacific Islander 4 $890,000 $222,000 $305,000 $100,000 $120,000
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) 10,621 $2,441,195,000 $229,000 $1,605,000 $115,000 $1,500,000
VA-guaranteed (Veterans Administration) 201 $57,485,000 $285,000 $575,000 $104,000 $374,000
FHA-insured (Federal Housing Administration) 144 $34,750,000 $241,000 $635,000 $87,000 $258,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 7,429 $1,710,005,000 $230,000 $745,000 $117,000 $923,000
Application Withdrawn By Applicant 2,214 $543,110,000 $245,000 $1,225,000 $121,000 $1,200,000
Application Denied By Financial Institution 1,044 $217,960,000 $208,000 $1,605,000 $81,000 $1,500,000
File Closed For Incompleteness 278 $62,130,000 $223,000 $515,000 $114,000 $500,000
Application Approved But Not Accepted 1 $225,000 $225,000 $225,000 $95,000 $95,000
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
Not applicable 9,922 $2,315,470,000 $233,000 $1,225,000 $118,000 $1,200,000
Debt-To-Income Ratio 373 $79,825,000 $214,000 $965,000 $61,000 $319,000
Credit History 349 $69,305,000 $198,000 $565,000 $80,000 $948,000
Other 146 $31,870,000 $218,000 $985,000 $101,000 $539,000
Collateral 114 $23,400,000 $205,000 $1,605,000 $116,000 $1,500,000
Unverifiable Information 28 $5,360,000 $191,000 $405,000 $101,000 $450,000
Employment History 24 $5,690,000 $237,000 $495,000 $87,000 $275,000
Insufficient Cash (Downpayment, Closing Cost) 8 $2,020,000 $252,000 $575,000 $108,000 $305,000
Credit Application Incomplete 2 $490,000 $245,000 $245,000 $74,000 $148,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Capital Center LLC's 2020 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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