Capital Concepts Inc Mortgage Lending & HMDA Data, 2020
In 2020, Capital Concepts Inc of Houston, TX reported 221 mortgage applications totaling $40.4 million, down 18% from 2019. The average application was for $183,009, and applicants reported an average income of $155,131. 84% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (94), Dallas-Plano-Irving, TX (53) and Fort Worth-Arlington, TX (47) (applications in parentheses).
| Mortgage Company & Address | Capital Concepts Inc 11200 Westheimer Rd #150 Houston, TX 77042 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 221 |
| Total Mortgage Loan Application Amount | $40,445,000 |
| Average Mortgage Loan Application Amount | $183,009 |
| Highest Mortgage Loan Application Amount | $645,000 |
| Average Applicant Income | $155,131 |
| Highest Applicant Income | $865,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capital Concepts Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Capital Concepts Inc 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 | 125 | $20,835,000 | $166,000 | $465,000 | $145,000 | $525,000 |
| Cash-out Refinancing | 53 | $11,035,000 | $208,000 | $525,000 | $184,000 | $865,000 |
| Home Purchase | 43 | $8,575,000 | $199,000 | $645,000 | $149,000 | $560,000 |
| 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 | 141 | $27,115,000 | $192,000 | $645,000 | $151,000 | $865,000 |
| Hispanic | 23 | $3,545,000 | $154,000 | $225,000 | $204,000 | $525,000 |
| Asian | 19 | $3,035,000 | $159,000 | $355,000 | $122,000 | $225,000 |
| Black or African American | 19 | $2,865,000 | $150,000 | $365,000 | $178,000 | $560,000 |
| Not Provided | 11 | $2,655,000 | $241,000 | $515,000 | $126,000 | $199,000 |
| American Indian or Alaskan Native | 4 | $790,000 | $197,000 | $305,000 | $99,000 | $257,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $440,000 | $110,000 | $115,000 | $189,000 | $192,000 |
| 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) | 216 | $38,760,000 | $179,000 | $645,000 | $158,000 | $865,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,685,000 | $337,000 | $465,000 | $27,000 | $88,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 186 | $33,040,000 | $177,000 | $525,000 | $156,000 | $865,000 |
| Application Withdrawn By Applicant | 33 | $6,825,000 | $206,000 | $645,000 | $144,000 | $576,000 |
| File Closed For Incompleteness | 1 | $115,000 | $115,000 | $115,000 | $252,000 | $252,000 |
| Application Denied By Financial Institution | 1 | $465,000 | $465,000 | $465,000 | $309,000 | $309,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 220 | $39,980,000 | $181,000 | $645,000 | $154,000 | $865,000 |
| Collateral | 1 | $465,000 | $465,000 | $465,000 | $309,000 | $309,000 |
| 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 Concepts Inc'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 Concepts Inc'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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