Capital City Home Loans, LLC Mortgage Lending & HMDA Data, 2021
In 2021, Capital City Home Loans, LLC of Kennesaw, GA reported 6,421 mortgage applications totaling $2.0 billion, down 13% from 2020. The average application was for $309,597, and applicants reported an average income of $136,402. 76% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (2,333), Tallahassee, FL (797) and Jacksonville, FL (475) (applications in parentheses).
| Mortgage Company & Address | Capital City Home Loans, LLC 1255 Lakes Parkway, Bldg 300, St 200 Kennesaw, GA 30144 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 |
| Total Number of Mortgage Applications | 6,421 |
| Total Mortgage Loan Application Amount | $1,987,925,000 |
| Average Mortgage Loan Application Amount | $309,597 |
| Highest Mortgage Loan Application Amount | $4,315,000 |
| Average Applicant Income | $136,402 |
| Highest Applicant Income | $2,737,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capital City Home Loans, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 2,333 | $ 787,835,000 | $ 337,691 | $ 137,000 |
| Tallahassee, FL | 797 | $ 198,585,000 | $ 249,165 | $ 119,000 |
| Outside any metro area | 725 | $ 177,055,000 | $ 244,213 | $ 121,638 |
| Jacksonville, FL | 475 | $ 168,475,000 | $ 354,684 | $ 177,000 |
| Tampa-St. Petersburg-Clearwater, FL | 329 | $ 91,695,000 | $ 278,708 | $ 102,000 |
| Brunswick, GA | 163 | $ 43,575,000 | $ 267,331 | $ 117,000 |
| Homosassa Springs, FL | 152 | $ 37,050,000 | $ 243,750 | $ 94,000 |
| Gainesville, FL | 149 | $ 38,655,000 | $ 259,429 | $ 104,000 |
| Crestview-Fort Walton Beach-Destin, FL | 113 | $ 88,015,000 | $ 778,893 | $ 401,000 |
| Athens-Clarke County, GA | 99 | $ 29,455,000 | $ 297,525 | $ 132,000 |
| Wilmington, NC | 98 | $ 27,000,000 | $ 275,510 | $ 133,000 |
| Gainesville, GA | 80 | $ 25,810,000 | $ 322,625 | $ 129,000 |
| Chattanooga, TN-GA | 78 | $ 27,500,000 | $ 352,564 | $ 133,256 |
| Savannah, GA | 75 | $ 16,715,000 | $ 222,866 | $ 91,000 |
| Ocala, FL | 68 | $ 20,250,000 | $ 297,794 | $ 117,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 61 | $ 22,025,000 | $ 361,065 | $ 128,000 |
| Panama City, FL | 61 | $ 16,225,000 | $ 265,983 | $ 158,000 |
| Macon-Bibb County, GA | 60 | $ 14,430,000 | $ 240,500 | $ 119,000 |
| Miami-Miami Beach-Kendall, FL | 59 | $ 32,225,000 | $ 546,186 | $ 231,000 |
| Albany, GA | 49 | $ 9,195,000 | $ 187,653 | $ 86,000 |
| Pensacola-Ferry Pass-Brent, FL | 43 | $ 16,255,000 | $ 378,023 | $ 207,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 35 | $ 10,805,000 | $ 308,714 | $ 108,685 |
| Warner Robins, GA | 23 | $ 4,455,000 | $ 193,695 | $ 89,000 |
| Orlando-Kissimmee-Sanford, FL | 22 | $ 6,550,000 | $ 297,727 | $ 113,000 |
| Charlotte-Concord-Gastonia, NC-SC | 20 | $ 6,060,000 | $ 303,000 | $ 127,750 |
| Greenville-Anderson-Mauldin, SC | 18 | $ 4,830,000 | $ 268,333 | $ 134,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 14 | $ 5,330,000 | $ 380,714 | $ 197,000 |
| The Villages, FL | 13 | $ 4,015,000 | $ 308,846 | $ 106,000 |
| Daphne-Fairhope-Foley, AL | 12 | $ 2,850,000 | $ 237,500 | $ 96,000 |
| North Port-Sarasota-Bradenton, FL | 12 | $ 3,710,000 | $ 309,166 | $ 117,000 |
| Asheville, NC | 11 | $ 3,075,000 | $ 279,545 | $ 121,000 |
| Columbus, GA-AL | 11 | $ 1,295,000 | $ 117,727 | $ 90,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 10 | $ 2,770,000 | $ 277,000 | $ 126,000 |
| Augusta-Richmond County, GA-SC | 9 | $ 3,555,000 | $ 395,000 | $ 138,666 |
| Raleigh, NC | 8 | $ 2,120,000 | $ 265,000 | $ 87,000 |
| Spartanburg, SC | 8 | $ 1,920,000 | $ 240,000 | $ 130,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 3,270,000 | $ 408,750 | $ 187,000 |
| Columbia, SC | 7 | $ 1,675,000 | $ 239,285 | $ 186,000 |
| Valdosta, GA | 7 | $ 1,805,000 | $ 257,857 | $ 91,000 |
| Birmingham-Hoover, AL | 6 | $ 1,290,000 | $ 215,000 | $ 160,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,870,000 | $ 311,666 | $ 168,000 |
| Jacksonville, NC | 6 | $ 1,340,000 | $ 223,333 | $ 91,000 |
| Rome, GA | 6 | $ 1,470,000 | $ 245,000 | $ 72,000 |
| Auburn-Opelika, AL | 5 | $ 1,265,000 | $ 253,000 | $ 149,000 |
| Charleston-North Charleston, SC | 5 | $ 1,585,000 | $ 317,000 | $ 154,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 5 | $ 1,655,000 | $ 331,000 | $ 207,000 |
| Hinesville, GA | 5 | $ 935,000 | $ 187,000 | $ 54,000 |
| Huntsville, AL | 5 | $ 1,745,000 | $ 349,000 | $ 384,000 |
| Richmond, VA | 5 | $ 1,725,000 | $ 345,000 | $ 112,000 |
| Durham-Chapel Hill, NC | 4 | $ 2,010,000 | $ 502,500 | $ 827,000 |
| Jackson, MS | 4 | $ 1,040,000 | $ 260,000 | $ 84,000 |
| Montgomery, AL | 4 | $ 1,520,000 | $ 380,000 | $ 174,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 940,000 | $ 235,000 | $ 95,000 |
| Dalton, GA | 3 | $ 615,000 | $ 205,000 | $ 108,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 835,000 | $ 278,333 | $ 159,000 |
| Mobile, AL | 3 | $ 695,000 | $ 231,666 | $ 177,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 905,000 | $ 301,666 | $ 245,000 |
| Charlottesville, VA | 2 | $ 570,000 | $ 285,000 | $ 123,000 |
| Cleveland, TN | 2 | $ 420,000 | $ 210,000 | $ 254,000 |
| Fayetteville, NC | 2 | $ 560,000 | $ 280,000 | $ 89,000 |
| Lakeland-Winter Haven, FL | 2 | $ 390,000 | $ 195,000 | $ 50,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 580,000 | $ 290,000 | $ 188,000 |
| Port St. Lucie, FL | 2 | $ 660,000 | $ 330,000 | $ 120,000 |
| Punta Gorda, FL | 2 | $ 520,000 | $ 260,000 | $ 93,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 335,000 | $ 335,000 | $ 255,000 |
| Dothan, AL | 1 | $ 245,000 | $ 245,000 | $ 74,000 |
| Florence-Muscle Shoals, AL | 1 | $ 345,000 | $ 345,000 | $ 93,000 |
| Greensboro-High Point, NC | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Memphis, TN-MS-AR | 1 | $ 185,000 | $ 185,000 | $ 371,000 |
| Sebastian-Vero Beach, FL | 1 | $ 215,000 | $ 215,000 | $ 102,000 |
| Sebring, FL | 1 | $ 545,000 | $ 545,000 | $ 223,000 |
| Tuscaloosa, AL | 1 | $ 255,000 | $ 255,000 | $ 146,000 |
| Winston-Salem, NC | 1 | $ 245,000 | $ 245,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for Capital City Home Loans, LLC in 2021
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 | 4,319 | $1,383,865,000 | $320,000 | $4,315,000 | $136,000 | $2,737,000 |
| Refinancing | 1,260 | $358,750,000 | $284,000 | $2,685,000 | $142,000 | $2,589,000 |
| Cash-out Refinancing | 747 | $222,135,000 | $297,000 | $2,675,000 | $131,000 | $1,186,000 |
| Other Purpose | 75 | $19,335,000 | $257,000 | $575,000 | $132,000 | $866,000 |
| Home Improvement | 15 | $2,785,000 | $185,000 | $365,000 | $73,000 | $186,000 |
| Not Applicable | 5 | $1,055,000 | $211,000 | $305,000 | $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 | 4,362 | $1,339,700,000 | $307,000 | $3,005,000 | $139,000 | $2,737,000 |
| Not Provided | 812 | $281,740,000 | $346,000 | $3,005,000 | $151,000 | $1,746,000 |
| Black or African American | 601 | $164,175,000 | $273,000 | $4,315,000 | $102,000 | $1,142,000 |
| Hispanic | 324 | $95,450,000 | $294,000 | $1,725,000 | $111,000 | $1,046,000 |
| Asian | 256 | $86,520,000 | $337,000 | $2,555,000 | $169,000 | $2,315,000 |
| American Indian or Alaskan Native | 42 | $13,830,000 | $329,000 | $1,805,000 | $123,000 | $782,000 |
| Not applicable | 17 | $4,505,000 | $265,000 | $375,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,005,000 | $286,000 | $415,000 | $111,000 | $196,000 |
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) | 5,525 | $1,758,045,000 | $318,000 | $4,315,000 | $146,000 | $2,737,000 |
| FHA-insured (Federal Housing Administration) | 543 | $129,255,000 | $238,000 | $525,000 | $73,000 | $420,000 |
| VA-guaranteed (Veterans Administration) | 237 | $78,195,000 | $329,000 | $975,000 | $98,000 | $321,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 116 | $22,430,000 | $193,000 | $375,000 | $54,000 | $95,000 |
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 | 4,855 | $1,483,435,000 | $305,000 | $3,005,000 | $135,000 | $2,315,000 |
| Application Withdrawn By Applicant | 638 | $198,550,000 | $311,000 | $2,255,000 | $150,000 | $2,737,000 |
| Application Denied By Financial Institution | 571 | $187,755,000 | $328,000 | $4,315,000 | $125,000 | $2,589,000 |
| File Closed For Incompleteness | 325 | $109,305,000 | $336,000 | $2,005,000 | $153,000 | $1,699,000 |
| Loan Purchased By The Institution | 17 | $4,505,000 | $265,000 | $375,000 | $0 | $0 |
| Application Approved But Not Accepted | 15 | $4,375,000 | $291,000 | $545,000 | $115,000 | $325,000 |
| 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 | 5,850 | $1,800,170,000 | $307,000 | $3,005,000 | $138,000 | $2,737,000 |
| Credit Application Incomplete | 209 | $66,115,000 | $316,000 | $1,465,000 | $140,000 | $585,000 |
| Debt-To-Income Ratio | 169 | $59,335,000 | $351,000 | $4,315,000 | $79,000 | $1,142,000 |
| Credit History | 69 | $23,955,000 | $347,000 | $2,255,000 | $140,000 | $752,000 |
| Collateral | 66 | $20,340,000 | $308,000 | $2,855,000 | $144,000 | $1,926,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 26 | $8,980,000 | $345,000 | $1,485,000 | $128,000 | $600,000 |
| Other | 14 | $3,930,000 | $280,000 | $855,000 | $289,000 | $2,589,000 |
| Employment History | 12 | $3,170,000 | $264,000 | $545,000 | $92,000 | $325,000 |
| Unverifiable Information | 6 | $1,930,000 | $321,000 | $545,000 | $176,000 | $284,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capital City Home Loans, LLC's 2021 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 City Home Loans, 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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