Capital One, National Association Mortgage Lending & HMDA Data, 2022
In 2022, Capital One, National Association of Plano, TX reported 485 mortgage applications totaling $8.5 billion, down 12% from 2021. The average application was for $17,569,783, and applicants reported an average income of $0. 85% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (25), Los Angeles-Long Beach-Glendale, CA (25) and Dallas-Plano-Irving, TX (20) (applications in parentheses).
| Mortgage Company & Address | Capital One, National Association 7933 Preston Road Plano, TX 75024 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 485 |
| Total Mortgage Loan Application Amount | $8,521,345,000 |
| Average Mortgage Loan Application Amount | $17,569,783 |
| Highest Mortgage Loan Application Amount | $99,885,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capital One, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 25 | $ 555,875,000 | $ 22,235,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 25 | $ 174,090,000 | $ 6,963,600 | $ 0 |
| Outside any metro area | 21 | $ 149,835,000 | $ 7,135,000 | $ 0 |
| Dallas-Plano-Irving, TX | 20 | $ 640,090,000 | $ 32,004,500 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 18 | $ 178,720,000 | $ 9,928,888 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 16 | $ 230,760,000 | $ 14,422,500 | $ 0 |
| San Diego-Carlsbad, CA | 15 | $ 77,335,000 | $ 5,155,666 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 12 | $ 288,255,000 | $ 24,021,250 | $ 0 |
| Baltimore-Columbia-Towson, MD | 10 | $ 271,720,000 | $ 27,172,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 9 | $ 232,965,000 | $ 25,885,000 | $ 0 |
| Memphis, TN-MS-AR | 9 | $ 158,745,000 | $ 17,638,333 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 9 | $ 135,075,000 | $ 15,008,333 | $ 0 |
| San Antonio-New Braunfels, TX | 9 | $ 206,550,000 | $ 22,950,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 9 | $ 135,335,000 | $ 15,037,222 | $ 0 |
| Chicago-Naperville, IL | 8 | $ 53,170,000 | $ 6,646,250 | $ 0 |
| Philadelphia, PA | 8 | $ 103,370,000 | $ 12,921,250 | $ 0 |
| Akron, OH | 7 | $ 108,025,000 | $ 15,432,142 | $ 0 |
| Fort Worth-Arlington, TX | 7 | $ 175,215,000 | $ 25,030,714 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 7 | $ 162,395,000 | $ 23,199,285 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 301,015,000 | $ 43,002,142 | $ 0 |
| Columbus, OH | 6 | $ 236,330,000 | $ 39,388,333 | $ 0 |
| Kansas City, MO-KS | 6 | $ 187,250,000 | $ 31,208,333 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 50,050,000 | $ 10,010,000 | $ 0 |
| Austin-Round Rock, TX | 5 | $ 69,295,000 | $ 13,859,000 | $ 0 |
| Baton Rouge, LA | 5 | $ 113,745,000 | $ 22,749,000 | $ 0 |
| Beaumont-Port Arthur, TX | 5 | $ 24,905,000 | $ 4,981,000 | $ 0 |
| Birmingham-Hoover, AL | 5 | $ 36,205,000 | $ 7,241,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 31,050,000 | $ 7,762,500 | $ 0 |
| Greensboro-High Point, NC | 4 | $ 101,290,000 | $ 25,322,500 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 4 | $ 45,670,000 | $ 11,417,500 | $ 0 |
| Jacksonville, FL | 4 | $ 23,840,000 | $ 5,960,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 68,380,000 | $ 17,095,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 26,300,000 | $ 6,575,000 | $ 0 |
| Montgomery, AL | 4 | $ 30,670,000 | $ 7,667,500 | $ 0 |
| Richmond, VA | 4 | $ 123,930,000 | $ 30,982,500 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 58,350,000 | $ 14,587,500 | $ 0 |
| Seattle-Bellevue-Everett, WA | 4 | $ 15,800,000 | $ 3,950,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 3 | $ 54,155,000 | $ 18,051,666 | $ 0 |
| Lubbock, TX | 3 | $ 36,405,000 | $ 12,135,000 | $ 0 |
| Pittsburgh, PA | 3 | $ 22,745,000 | $ 7,581,666 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 6,860,000 | $ 2,286,666 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 113,085,000 | $ 37,695,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 118,785,000 | $ 39,595,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 18,515,000 | $ 6,171,666 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 58,310,000 | $ 29,155,000 | $ 0 |
| Auburn-Opelika, AL | 2 | $ 61,130,000 | $ 30,565,000 | $ 0 |
| Bloomington, IN | 2 | $ 15,040,000 | $ 7,520,000 | $ 0 |
| Boston, MA | 2 | $ 54,590,000 | $ 27,295,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 39,980,000 | $ 19,990,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 2 | $ 101,230,000 | $ 50,615,000 | $ 0 |
| Canton-Massillon, OH | 2 | $ 21,970,000 | $ 10,985,000 | $ 0 |
| Carson City, NV | 2 | $ 17,450,000 | $ 8,725,000 | $ 0 |
| Cincinnati, OH-KY-IN | 2 | $ 3,010,000 | $ 1,505,000 | $ 0 |
| Columbia, SC | 2 | $ 22,720,000 | $ 11,360,000 | $ 0 |
| Columbus, IN | 2 | $ 14,530,000 | $ 7,265,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 2 | $ 96,760,000 | $ 48,380,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 54,320,000 | $ 27,160,000 | $ 0 |
| Fort Smith, AR-OK | 2 | $ 17,160,000 | $ 8,580,000 | $ 0 |
| Harrisburg-Carlisle, PA | 2 | $ 30,210,000 | $ 15,105,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 15,160,000 | $ 7,580,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 27,350,000 | $ 13,675,000 | $ 0 |
| Jackson, TN | 2 | $ 10,400,000 | $ 5,200,000 | $ 0 |
| Knoxville, TN | 2 | $ 41,100,000 | $ 20,550,000 | $ 0 |
| Lafayette-West Lafayette, IN | 2 | $ 50,130,000 | $ 25,065,000 | $ 0 |
| Lansing-East Lansing, MI | 2 | $ 42,540,000 | $ 21,270,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 60,090,000 | $ 30,045,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 2 | $ 32,790,000 | $ 16,395,000 | $ 0 |
| Olympia-Tumwater, WA | 2 | $ 54,610,000 | $ 27,305,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 130,220,000 | $ 65,110,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 9,270,000 | $ 4,635,000 | $ 0 |
| Raleigh, NC | 2 | $ 81,010,000 | $ 40,505,000 | $ 0 |
| Reading, PA | 2 | $ 21,340,000 | $ 10,670,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 43,065,000 | $ 21,532,500 | $ 0 |
| Stockton-Lodi, CA | 2 | $ 8,280,000 | $ 4,140,000 | $ 0 |
| Yuba City, CA | 2 | $ 13,540,000 | $ 6,770,000 | $ 0 |
| Albany, OR | 1 | $ 1,665,000 | $ 1,665,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 36,905,000 | $ 36,905,000 | $ 0 |
| Asheville, NC | 1 | $ 31,365,000 | $ 31,365,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 23,105,000 | $ 23,105,000 | $ 0 |
| Battle Creek, MI | 1 | $ 6,135,000 | $ 6,135,000 | $ 0 |
| Bellingham, WA | 1 | $ 6,785,000 | $ 6,785,000 | $ 0 |
| Binghamton, NY | 1 | $ 24,775,000 | $ 24,775,000 | $ 0 |
| Boulder, CO | 1 | $ 17,305,000 | $ 17,305,000 | $ 0 |
| Brunswick, GA | 1 | $ 12,815,000 | $ 12,815,000 | $ 0 |
| Camden, NJ | 1 | $ 46,105,000 | $ 46,105,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 17,005,000 | $ 17,005,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 13,005,000 | $ 13,005,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 22,325,000 | $ 22,325,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 20,445,000 | $ 20,445,000 | $ 0 |
| Dayton-Springfield-Kettering, OH | 1 | $ 3,425,000 | $ 3,425,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 2,505,000 | $ 2,505,000 | $ 0 |
| Dothan, AL | 1 | $ 16,745,000 | $ 16,745,000 | $ 0 |
| Duluth, MN-WI | 1 | $ 47,895,000 | $ 47,895,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 53,535,000 | $ 53,535,000 | $ 0 |
| El Centro, CA | 1 | $ 4,005,000 | $ 4,005,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 7,085,000 | $ 7,085,000 | $ 0 |
| Flint, MI | 1 | $ 8,635,000 | $ 8,635,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 25,155,000 | $ 25,155,000 | $ 0 |
| Gadsden, AL | 1 | $ 5,515,000 | $ 5,515,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 5,105,000 | $ 5,105,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 19,505,000 | $ 19,505,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 13,665,000 | $ 13,665,000 | $ 0 |
| Hinesville, GA | 1 | $ 27,015,000 | $ 27,015,000 | $ 0 |
| Huntsville, AL | 1 | $ 22,485,000 | $ 22,485,000 | $ 0 |
| Jefferson City, MO | 1 | $ 10,805,000 | $ 10,805,000 | $ 0 |
| Jonesboro, AR | 1 | $ 9,005,000 | $ 9,005,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 10,825,000 | $ 10,825,000 | $ 0 |
| Killeen-Temple, TX | 1 | $ 11,185,000 | $ 11,185,000 | $ 0 |
| Lafayette, LA | 1 | $ 20,125,000 | $ 20,125,000 | $ 0 |
| Lake Charles, LA | 1 | $ 5,855,000 | $ 5,855,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 7,595,000 | $ 7,595,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 7,995,000 | $ 7,995,000 | $ 0 |
| Lancaster, PA | 1 | $ 3,705,000 | $ 3,705,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 0 | $ 0 | $ 0 |
| Macon-Bibb County, GA | 1 | $ 2,055,000 | $ 2,055,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 0 | $ 0 | $ 0 |
| Medford, OR | 1 | $ 4,035,000 | $ 4,035,000 | $ 0 |
| Midland, TX | 1 | $ 14,075,000 | $ 14,075,000 | $ 0 |
| Mobile, AL | 1 | $ 1,785,000 | $ 1,785,000 | $ 0 |
| Modesto, CA | 1 | $ 2,615,000 | $ 2,615,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 20,005,000 | $ 20,005,000 | $ 0 |
| Morristown, TN | 1 | $ 3,405,000 | $ 3,405,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 2,375,000 | $ 2,375,000 | $ 0 |
| Nassau County-Suffolk County, NY | 1 | $ 50,005,000 | $ 50,005,000 | $ 0 |
| New Orleans-Metairie, LA | 1 | $ 33,005,000 | $ 33,005,000 | $ 0 |
| New York-Newark, NY | 1 | $ 4,005,000 | $ 4,005,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 70,465,000 | $ 70,465,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 7,055,000 | $ 7,055,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 77,325,000 | $ 77,325,000 | $ 0 |
| Providence-Warwick, RI-MA | 1 | $ 13,785,000 | $ 13,785,000 | $ 0 |
| Rochester, NY | 1 | $ 13,355,000 | $ 13,355,000 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 3,135,000 | $ 3,135,000 | $ 0 |
| Salem, OR | 1 | $ 2,045,000 | $ 2,045,000 | $ 0 |
| Salisbury, MD-DE | 1 | $ 5,035,000 | $ 5,035,000 | $ 0 |
| San Rafael, CA | 1 | $ 61,595,000 | $ 61,595,000 | $ 0 |
| Santa Rosa, CA | 1 | $ 32,695,000 | $ 32,695,000 | $ 0 |
| Savannah, GA | 1 | $ 19,415,000 | $ 19,415,000 | $ 0 |
| Springfield, MA | 1 | $ 10,005,000 | $ 10,005,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 3,445,000 | $ 3,445,000 | $ 0 |
| Tacoma-Lakewood, WA | 1 | $ 1,685,000 | $ 1,685,000 | $ 0 |
| Tallahassee, FL | 1 | $ 22,995,000 | $ 22,995,000 | $ 0 |
| Tucson, AZ | 1 | $ 1,155,000 | $ 1,155,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 14,255,000 | $ 14,255,000 | $ 0 |
| Valdosta, GA | 1 | $ 12,825,000 | $ 12,825,000 | $ 0 |
| Warner Robins, GA | 1 | $ 53,225,000 | $ 53,225,000 | $ 0 |
| Washington-Baltimore-Arlington, DC | 1 | $ 33,315,000 | $ 33,315,000 | $ 0 |
| Wichita, KS | 1 | $ 17,005,000 | $ 17,005,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 63,795,000 | $ 63,795,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 13,805,000 | $ 13,805,000 | $ 0 |
Mortgage Loan Application Detail Totals for Capital One, National Association in 2022
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 | 270 | $4,544,200,000 | $17,212,000 | $93,655,000 | $0 | $0 |
| Home Purchase | 199 | $3,879,425,000 | $19,692,000 | $99,885,000 | $0 | $0 |
| Home Improvement | 16 | $97,720,000 | $6,107,000 | $20,005,000 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 485 | $8,521,345,000 | $17,864,000 | $99,885,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 478 | $8,377,650,000 | $17,824,000 | $99,885,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 7 | $143,695,000 | $20,527,000 | $40,005,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 414 | $7,611,490,000 | $18,747,000 | $99,885,000 | $0 | $0 |
| Application Withdrawn By Applicant | 57 | $841,695,000 | $14,766,000 | $87,875,000 | $0 | $0 |
| Loan Purchased By The Institution | 10 | $48,290,000 | $4,829,000 | $8,305,000 | $0 | $0 |
| Application Denied By Financial Institution | 3 | $7,265,000 | $2,421,000 | $3,505,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $12,605,000 | $12,605,000 | $12,605,000 | $0 | $0 |
| File Closed For Incompleteness | 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 | 482 | $8,514,080,000 | $17,962,000 | $99,885,000 | $0 | $0 |
| Other | 2 | $6,110,000 | $3,055,000 | $3,505,000 | $0 | $0 |
| Credit History | 1 | $1,155,000 | $1,155,000 | $1,155,000 | $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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capital One, National Association's 2022 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 One, National Association'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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