Capital One, National Association Mortgage Lending & HMDA Data, 2018
In 2018, Capital One, National Association of Plano, TX reported 826 mortgage applications totaling $8.5 billion, down 97% from 2017. The average application was for $10,291,259, and applicants reported an average income of $540,910. 90% of its applications resulted in an originated loan and 2% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (274), New Orleans-Metairie, LA (39) and Baltimore-Columbia-Towson, MD (30) (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 | 826 |
| Total Mortgage Loan Application Amount | $8,500,580,000 |
| Average Mortgage Loan Application Amount | $10,291,259 |
| Highest Mortgage Loan Application Amount | $88,005,000 |
| Average Applicant Income | $540,910 |
| Highest Applicant Income | $3,600,000 |
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Capital One, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 274 | $ 1,651,225,000 | $ 6,026,368 | $ 408,408 |
| New Orleans-Metairie, LA | 39 | $ 14,225,000 | $ 364,743 | $ 383,000 |
| Baltimore-Columbia-Towson, MD | 30 | $ 503,010,000 | $ 16,767,000 | $ 242,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 27 | $ 585,635,000 | $ 21,690,185 | $ 47,000 |
| Anaheim-Santa Ana-Irvine, CA | 19 | $ 581,230,000 | $ 30,591,052 | $ 579,000 |
| Newark, NJ-PA | 19 | $ 58,765,000 | $ 3,092,894 | $ 106,000 |
| Los Angeles-Long Beach-Glendale, CA | 17 | $ 135,205,000 | $ 7,953,235 | $ 133,000 |
| Nassau County-Suffolk County, NY | 17 | $ 34,875,000 | $ 2,051,470 | $ 349,000 |
| Riverside-San Bernardino-Ontario, CA | 17 | $ 369,230,000 | $ 21,719,411 | $ 0 |
| Dallas-Plano-Irving, TX | 16 | $ 46,290,000 | $ 2,893,125 | $ 74,000 |
| Atlanta-Sandy Springs-Roswell, GA | 14 | $ 239,610,000 | $ 17,115,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 14 | $ 149,090,000 | $ 10,649,285 | $ 1,139,000 |
| Montgomery County-Bucks County-Chester County, PA | 12 | $ 182,115,000 | $ 15,176,250 | $ 137,000 |
| Outside any metro area | 12 | $ 27,430,000 | $ 2,285,833 | $ 172,444 |
| Philadelphia, PA | 12 | $ 119,690,000 | $ 9,974,166 | $ 123,000 |
| Denver-Aurora-Lakewood, CO | 11 | $ 137,675,000 | $ 12,515,909 | $ 187,000 |
| Hartford-West Hartford-East Hartford, CT | 11 | $ 22,985,000 | $ 2,089,545 | $ 0 |
| Baton Rouge, LA | 10 | $ 34,950,000 | $ 3,495,000 | $ 356,000 |
| Chicago-Naperville-Arlington Heights, IL | 9 | $ 65,735,000 | $ 7,303,888 | $ 70,000 |
| Fort Worth-Arlington, TX | 9 | $ 76,115,000 | $ 8,457,222 | $ 51,000 |
| Grand Rapids-Wyoming, MI | 8 | $ 155,910,000 | $ 19,488,750 | $ 0 |
| Camden, NJ | 7 | $ 131,595,000 | $ 18,799,285 | $ 125,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 239,715,000 | $ 34,245,000 | $ 0 |
| Richmond, VA | 7 | $ 62,605,000 | $ 8,943,571 | $ 388,000 |
| Silver Spring-Frederick-Rockville, MD | 7 | $ 89,005,000 | $ 12,715,000 | $ 183,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 101,865,000 | $ 14,552,142 | $ 167,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 166,485,000 | $ 23,783,571 | $ 0 |
| Austin-Round Rock, TX | 6 | $ 225,360,000 | $ 37,560,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 104,300,000 | $ 17,383,333 | $ 142,000 |
| Houma-Thibodaux, LA | 6 | $ 4,370,000 | $ 728,333 | $ 54,000 |
| Birmingham-Hoover, AL | 5 | $ 72,305,000 | $ 14,461,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 74,525,000 | $ 14,905,000 | $ 0 |
| Jacksonville, FL | 5 | $ 37,105,000 | $ 7,421,000 | $ 26,000 |
| New Haven-Milford, CT | 5 | $ 48,515,000 | $ 9,703,000 | $ 0 |
| Wilmington, DE-MD-NJ | 5 | $ 84,565,000 | $ 16,913,000 | $ 830,000 |
| Beaumont-Port Arthur, TX | 4 | $ 7,270,000 | $ 1,817,500 | $ 56,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 25,060,000 | $ 6,265,000 | $ 0 |
| Lansing-East Lansing, MI | 4 | $ 126,300,000 | $ 31,575,000 | $ 0 |
| San Antonio-New Braunfels, TX | 4 | $ 56,770,000 | $ 14,192,500 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 2,285,000 | $ 761,666 | $ 344,000 |
| Knoxville, TN | 3 | $ 28,295,000 | $ 9,431,666 | $ 0 |
| Lancaster, PA | 3 | $ 56,215,000 | $ 18,738,333 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 14,805,000 | $ 4,935,000 | $ 233,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 40,475,000 | $ 13,491,666 | $ 0 |
| San Diego-Carlsbad, CA | 3 | $ 41,700,000 | $ 13,900,000 | $ 0 |
| Savannah, GA | 3 | $ 46,535,000 | $ 15,511,666 | $ 0 |
| Shreveport-Bossier City, LA | 3 | $ 915,000 | $ 305,000 | $ 171,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 16,060,000 | $ 8,030,000 | $ 91,000 |
| Bend-Redmond, OR | 2 | $ 33,300,000 | $ 16,650,000 | $ 0 |
| Boston, MA | 2 | $ 12,550,000 | $ 6,275,000 | $ 0 |
| Cincinnati, OH-KY-IN | 2 | $ 102,920,000 | $ 51,460,000 | $ 0 |
| Decatur, AL | 2 | $ 6,900,000 | $ 3,450,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 36,220,000 | $ 18,110,000 | $ 0 |
| Lafayette, LA | 2 | $ 130,000 | $ 65,000 | $ 90,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 27,950,000 | $ 13,975,000 | $ 0 |
| Ocala, FL | 2 | $ 110,000 | $ 55,000 | $ 87,000 |
| Oklahoma City, OK | 2 | $ 26,900,000 | $ 13,450,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 18,750,000 | $ 9,375,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 23,770,000 | $ 11,885,000 | $ 0 |
| Providence-Warwick, RI-MA | 2 | $ 20,070,000 | $ 10,035,000 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 2,505,000 | $ 1,252,500 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 305,000 | $ 152,500 | $ 907,000 |
| St. Louis, MO-IL | 2 | $ 20,470,000 | $ 10,235,000 | $ 0 |
| Stockton-Lodi, CA | 2 | $ 5,230,000 | $ 2,615,000 | $ 0 |
| Tallahassee, FL | 2 | $ 7,660,000 | $ 3,830,000 | $ 73,000 |
| Texarkana, TX-AR | 2 | $ 2,010,000 | $ 1,005,000 | $ 881,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 23,210,000 | $ 11,605,000 | $ 0 |
| Worcester, MA-CT | 2 | $ 12,010,000 | $ 6,005,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 8,710,000 | $ 4,355,000 | $ 0 |
| Alexandria, LA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Boulder, CO | 1 | $ 1,305,000 | $ 1,305,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 19,305,000 | $ 19,305,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 28,285,000 | $ 28,285,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 6,655,000 | $ 6,655,000 | $ 0 |
| Cleveland-Elyria, OH | 1 | $ 56,445,000 | $ 56,445,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 26,505,000 | $ 26,505,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 9,455,000 | $ 9,455,000 | $ 0 |
| Dayton, OH | 1 | $ 36,605,000 | $ 36,605,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 2,605,000 | $ 2,605,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 85,495,000 | $ 85,495,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 75,185,000 | $ 75,185,000 | $ 0 |
| Erie, PA | 1 | $ 8,965,000 | $ 8,965,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 13,815,000 | $ 13,815,000 | $ 0 |
| Flint, MI | 1 | $ 8,745,000 | $ 8,745,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 3,505,000 | $ 3,505,000 | $ 0 |
| Fresno, CA | 1 | $ 2,275,000 | $ 2,275,000 | $ 0 |
| Gainesville, FL | 1 | $ 8,705,000 | $ 8,705,000 | $ 0 |
| Greeley, CO | 1 | $ 15,015,000 | $ 15,015,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 6,945,000 | $ 6,945,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 2,805,000 | $ 2,805,000 | $ 0 |
| Huntsville, AL | 1 | $ 30,485,000 | $ 30,485,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 3,315,000 | $ 3,315,000 | $ 0 |
| Killeen-Temple, TX | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Lake Charles, LA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 5,355,000 | $ 5,355,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 45,715,000 | $ 45,715,000 | $ 0 |
| Lawrence, KS | 1 | $ 20,865,000 | $ 20,865,000 | $ 0 |
| Lawton, OK | 1 | $ 6,425,000 | $ 6,425,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 16,885,000 | $ 16,885,000 | $ 0 |
| Longview, TX | 1 | $ 4,455,000 | $ 4,455,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 9,205,000 | $ 9,205,000 | $ 0 |
| Lubbock, TX | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Madera, CA | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Manchester-Nashua, NH | 1 | $ 25,415,000 | $ 25,415,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Mobile, AL | 1 | $ 10,485,000 | $ 10,485,000 | $ 0 |
| Modesto, CA | 1 | $ 2,055,000 | $ 2,055,000 | $ 0 |
| Monroe, LA | 1 | $ 15,000 | $ 15,000 | $ 18,000 |
| Morristown, TN | 1 | $ 7,105,000 | $ 7,105,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 0 | $ 0 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 52,395,000 | $ 52,395,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 1,605,000 | $ 1,605,000 | $ 580,000 |
| Reno, NV | 1 | $ 15,735,000 | $ 15,735,000 | $ 0 |
| Rochester, NY | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Rockingham County-Strafford County, NH | 1 | $ 12,005,000 | $ 12,005,000 | $ 0 |
| Salem, OR | 1 | $ 18,015,000 | $ 18,015,000 | $ 0 |
| Salinas, CA | 1 | $ 6,205,000 | $ 6,205,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 25,005,000 | $ 25,005,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 32,685,000 | $ 32,685,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 56,005,000 | $ 56,005,000 | $ 0 |
| Springfield, MA | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| State College, PA | 1 | $ 35,005,000 | $ 35,005,000 | $ 0 |
| Tacoma-Lakewood, WA | 1 | $ 40,135,000 | $ 40,135,000 | $ 0 |
| Tucson, AZ | 1 | $ 3,305,000 | $ 3,305,000 | $ 0 |
| Tulsa, OK | 1 | $ 1,215,000 | $ 1,215,000 | $ 0 |
| Vineland-Bridgeton, NJ | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Warner Robins, GA | 1 | $ 22,615,000 | $ 22,615,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 82,265,000 | $ 82,265,000 | $ 0 |
Mortgage Loan Application Detail Totals for Capital One, National Association in 2018
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 | 438 | $5,721,740,000 | $13,244,000 | $88,005,000 | $758,000 | $3,600,000 |
| Home Purchase | 265 | $2,620,375,000 | $10,039,000 | $82,265,000 | $319,000 | $2,136,000 |
| Home Improvement | 55 | $143,525,000 | $2,609,000 | $65,005,000 | $300,000 | $1,764,000 |
| Cash-out Refinancing | 45 | $11,475,000 | $255,000 | $2,285,000 | $231,000 | $907,000 |
| Other Purpose | 23 | $3,465,000 | $150,000 | $505,000 | $146,000 | $579,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 662 | $8,448,610,000 | $12,957,000 | $88,005,000 | $0 | $0 |
| White | 65 | $24,295,000 | $373,000 | $2,005,000 | $319,000 | $2,136,000 |
| Not Provided | 60 | $17,300,000 | $288,000 | $2,285,000 | $300,000 | $3,600,000 |
| Black or African American | 17 | $3,055,000 | $179,000 | $455,000 | $102,000 | $390,000 |
| Asian | 16 | $6,230,000 | $389,000 | $1,165,000 | $288,000 | $1,129,000 |
| Hispanic | 5 | $885,000 | $177,000 | $405,000 | $264,000 | $496,000 |
| American Indian or Alaskan Native | 1 | $205,000 | $205,000 | $205,000 | $62,000 | $62,000 |
| 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) | 819 | $8,383,485,000 | $10,362,000 | $88,005,000 | $286,000 | $3,600,000 |
| FHA-insured (Federal Housing Administration) | 7 | $117,095,000 | $16,727,000 | $43,125,000 | $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 | 740 | $7,986,395,000 | $10,925,000 | $88,005,000 | $262,000 | $2,136,000 |
| Application Withdrawn By Applicant | 27 | $367,705,000 | $13,618,000 | $69,405,000 | $265,000 | $360,000 |
| Application Approved But Not Accepted | 26 | $33,515,000 | $1,340,000 | $23,505,000 | $231,000 | $754,000 |
| Application Denied By Financial Institution | 20 | $105,070,000 | $5,253,000 | $69,425,000 | $122,000 | $269,000 |
| File Closed For Incompleteness | 13 | $7,895,000 | $607,000 | $1,305,000 | $751,000 | $3,600,000 |
| 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 | 806 | $8,395,510,000 | $10,547,000 | $88,005,000 | $290,000 | $3,600,000 |
| Debt-To-Income Ratio | 8 | $71,660,000 | $8,957,000 | $69,425,000 | $36,000 | $36,000 |
| Other | 4 | $6,540,000 | $1,635,000 | $3,085,000 | $0 | $0 |
| Collateral | 3 | $22,605,000 | $7,535,000 | $20,865,000 | $269,000 | $269,000 |
| Credit History | 3 | $4,145,000 | $1,381,000 | $3,025,000 | $0 | $0 |
| Credit Application Incomplete | 2 | $120,000 | $60,000 | $95,000 | $92,000 | $113,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capital One, National Association's 2018 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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