Capital City Home Loans, LLC Mortgage Lending & HMDA Data, 2024
In 2024, Capital City Home Loans, LLC of Kennesaw, GA reported 2,326 mortgage applications totaling $907.8 million, down 11% from 2023. The average application was for $390,288, and applicants reported an average income of $196,875. 71% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (556), Tallahassee, FL (260) and Marietta, GA (238) (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 | 2,326 |
| Total Mortgage Loan Application Amount | $907,810,000 |
| Average Mortgage Loan Application Amount | $390,288 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $196,875 |
| Highest Applicant Income | $4,969,000 |
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records Capital City Home Loans, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 556 | $ 247,490,000 | $ 445,125 | $ 213,000 |
| Outside any metro area | 355 | $ 113,025,000 | $ 318,380 | $ 163,492 |
| Tallahassee, FL | 260 | $ 63,840,000 | $ 245,538 | $ 126,000 |
| Marietta, GA | 238 | $ 100,310,000 | $ 421,470 | $ 216,000 |
| Jacksonville, FL | 175 | $ 78,935,000 | $ 451,057 | $ 240,000 |
| Brunswick, GA | 67 | $ 17,285,000 | $ 257,985 | $ 121,000 |
| Tampa, FL | 67 | $ 23,805,000 | $ 355,298 | $ 159,000 |
| Chattanooga, TN-GA | 66 | $ 25,440,000 | $ 385,454 | $ 166,000 |
| Crestview-Fort Walton Beach-Destin, FL | 51 | $ 38,705,000 | $ 758,921 | $ 455,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 42 | $ 29,180,000 | $ 694,761 | $ 301,000 |
| Albany, GA | 32 | $ 5,970,000 | $ 186,562 | $ 93,000 |
| Gainesville, FL | 29 | $ 8,065,000 | $ 278,103 | $ 202,000 |
| Wilmington, NC | 26 | $ 10,480,000 | $ 403,076 | $ 203,000 |
| Gainesville, GA | 25 | $ 11,545,000 | $ 461,800 | $ 170,000 |
| Homosassa Springs, FL | 25 | $ 7,985,000 | $ 319,400 | $ 153,000 |
| Macon-Bibb County, GA | 25 | $ 6,515,000 | $ 260,600 | $ 139,000 |
| Panama City, FL | 24 | $ 6,660,000 | $ 277,500 | $ 157,000 |
| Athens-Clarke County, GA | 23 | $ 11,475,000 | $ 498,913 | $ 239,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 22 | $ 14,210,000 | $ 645,909 | $ 268,000 |
| St. Petersburg-Clearwater-Largo, FL | 22 | $ 11,410,000 | $ 518,636 | $ 243,000 |
| North Port-Sarasota-Bradenton, FL | 17 | $ 6,485,000 | $ 381,470 | $ 288,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 16 | $ 6,610,000 | $ 413,125 | $ 193,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 5,480,000 | $ 456,666 | $ 234,000 |
| Pensacola-Ferry Pass-Brent, FL | 9 | $ 2,745,000 | $ 305,000 | $ 254,000 |
| Asheville, NC | 8 | $ 2,730,000 | $ 341,250 | $ 144,000 |
| Greenville-Anderson-Mauldin, SC | 8 | $ 3,750,000 | $ 468,750 | $ 221,000 |
| Charleston-North Charleston, SC | 7 | $ 3,265,000 | $ 466,428 | $ 563,000 |
| Warner Robins, GA | 7 | $ 1,515,000 | $ 216,428 | $ 118,000 |
| Daphne-Fairhope-Foley, AL | 6 | $ 2,390,000 | $ 398,333 | $ 151,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 2,390,000 | $ 398,333 | $ 173,000 |
| Savannah, GA | 6 | $ 2,590,000 | $ 431,666 | $ 191,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,995,000 | $ 399,000 | $ 357,000 |
| Knoxville, TN | 5 | $ 3,135,000 | $ 627,000 | $ 298,000 |
| Rome, GA | 5 | $ 1,275,000 | $ 255,000 | $ 116,000 |
| Auburn-Opelika, AL | 4 | $ 1,350,000 | $ 337,500 | $ 238,000 |
| Birmingham-Hoover, AL | 4 | $ 1,880,000 | $ 470,000 | $ 130,000 |
| Columbus, GA-AL | 4 | $ 840,000 | $ 210,000 | $ 233,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,880,000 | $ 470,000 | $ 249,000 |
| Ocala, FL | 4 | $ 1,390,000 | $ 347,500 | $ 254,000 |
| Raleigh, NC | 4 | $ 1,420,000 | $ 355,000 | $ 151,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 1,035,000 | $ 345,000 | $ 103,000 |
| Durham-Chapel Hill, NC | 3 | $ 2,055,000 | $ 685,000 | $ 269,000 |
| Mobile, AL | 3 | $ 1,105,000 | $ 368,333 | $ 139,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 1,655,000 | $ 551,666 | $ 571,000 |
| Valdosta, GA | 3 | $ 585,000 | $ 195,000 | $ 143,000 |
| Wildwood-The Villages, FL | 3 | $ 995,000 | $ 331,666 | $ 142,000 |
| Arlington-Alexandria-Reston, VA-WV | 2 | $ 1,020,000 | $ 510,000 | $ 144,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 460,000 | $ 230,000 | $ 534,000 |
| Greensboro-High Point, NC | 2 | $ 670,000 | $ 335,000 | $ 117,000 |
| Hinesville, GA | 2 | $ 630,000 | $ 315,000 | $ 102,000 |
| Johnson City, TN | 2 | $ 550,000 | $ 275,000 | $ 65,000 |
| Lakeland-Winter Haven, FL | 2 | $ 570,000 | $ 285,000 | $ 124,000 |
| Montgomery, AL | 2 | $ 410,000 | $ 205,000 | $ 129,000 |
| Morristown, TN | 2 | $ 1,090,000 | $ 545,000 | $ 224,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 610,000 | $ 305,000 | $ 141,000 |
| Punta Gorda, FL | 2 | $ 970,000 | $ 485,000 | $ 149,000 |
| Spartanburg, SC | 2 | $ 430,000 | $ 215,000 | $ 195,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Clarksville, TN-KY | 1 | $ 455,000 | $ 455,000 | $ 120,000 |
| Cleveland, TN | 1 | $ 765,000 | $ 765,000 | $ 390,000 |
| Dalton, GA | 1 | $ 395,000 | $ 395,000 | $ 251,000 |
| Fayetteville, NC | 1 | $ 325,000 | $ 325,000 | $ 125,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Huntsville, AL | 1 | $ 245,000 | $ 245,000 | $ 137,000 |
| Jackson, MS | 1 | $ 295,000 | $ 295,000 | $ 80,000 |
| Lynchburg, VA | 1 | $ 215,000 | $ 215,000 | $ 96,000 |
| Memphis, TN-MS-AR | 1 | $ 545,000 | $ 545,000 | $ 158,000 |
| Port St. Lucie, FL | 1 | $ 335,000 | $ 335,000 | $ 136,000 |
| Sebastian-Vero Beach, FL | 1 | $ 755,000 | $ 755,000 | $ 284,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 365,000 | $ 365,000 | $ 154,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 105,000 | $ 105,000 | $ 200,000 |
| Winston-Salem, NC | 1 | $ 455,000 | $ 455,000 | $ 92,000 |
Mortgage Loan Application Detail Totals for Capital City Home Loans, LLC in 2024
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 | 1,960 | $808,330,000 | $412,000 | $3,005,000 | $202,000 | $4,969,000 |
| Cash-out Refinancing | 147 | $41,895,000 | $285,000 | $1,345,000 | $166,000 | $1,557,000 |
| Other Purpose | 107 | $16,475,000 | $153,000 | $765,000 | $153,000 | $801,000 |
| Refinancing | 97 | $38,775,000 | $399,000 | $2,505,000 | $195,000 | $1,519,000 |
| Home Improvement | 15 | $2,335,000 | $155,000 | $505,000 | $155,000 | $618,000 |
| Not Applicable | 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 | 1,442 | $567,050,000 | $393,000 | $3,005,000 | $199,000 | $4,969,000 |
| Not Provided | 397 | $163,285,000 | $411,000 | $2,505,000 | $211,000 | $2,850,000 |
| Black or African American | 218 | $68,620,000 | $314,000 | $1,945,000 | $127,000 | $693,000 |
| Hispanic | 131 | $48,575,000 | $370,000 | $2,255,000 | $184,000 | $2,818,000 |
| Asian | 128 | $57,210,000 | $446,000 | $2,205,000 | $261,000 | $3,187,000 |
| American Indian or Alaskan Native | 5 | $1,835,000 | $367,000 | $605,000 | $123,000 | $219,000 |
| Not applicable | 4 | $870,000 | $217,000 | $305,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $365,000 | $365,000 | $365,000 | $325,000 | $325,000 |
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) | 1,914 | $778,590,000 | $406,000 | $3,005,000 | $216,000 | $4,969,000 |
| FHA-insured (Federal Housing Administration) | 320 | $93,670,000 | $292,000 | $665,000 | $103,000 | $403,000 |
| VA-guaranteed (Veterans Administration) | 71 | $31,225,000 | $439,000 | $2,005,000 | $147,000 | $735,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $4,325,000 | $205,000 | $355,000 | $77,000 | $126,000 |
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 | 1,656 | $635,610,000 | $383,000 | $2,605,000 | $189,000 | $3,187,000 |
| Application Withdrawn By Applicant | 439 | $184,015,000 | $419,000 | $3,005,000 | $234,000 | $4,969,000 |
| Application Denied By Financial Institution | 137 | $53,275,000 | $388,000 | $3,005,000 | $154,000 | $780,000 |
| File Closed For Incompleteness | 83 | $31,385,000 | $378,000 | $2,005,000 | $213,000 | $1,557,000 |
| Application Approved But Not Accepted | 7 | $2,655,000 | $379,000 | $755,000 | $187,000 | $413,000 |
| Loan Purchased By The Institution | 4 | $870,000 | $217,000 | $305,000 | $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 | 2,189 | $854,535,000 | $390,000 | $3,005,000 | $199,000 | $4,969,000 |
| Debt-To-Income Ratio | 58 | $25,780,000 | $444,000 | $3,005,000 | $117,000 | $516,000 |
| Credit History | 24 | $5,890,000 | $245,000 | $625,000 | $131,000 | $394,000 |
| Collateral | 18 | $7,560,000 | $420,000 | $1,705,000 | $252,000 | $780,000 |
| Other | 11 | $4,655,000 | $423,000 | $2,005,000 | $313,000 | $735,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $4,175,000 | $463,000 | $1,275,000 | $168,000 | $372,000 |
| Credit Application Incomplete | 9 | $2,055,000 | $228,000 | $905,000 | $101,000 | $291,000 |
| Unverifiable Information | 8 | $3,160,000 | $395,000 | $475,000 | $142,000 | $292,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capital City Home Loans, LLC's 2024 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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