Capitalone Mortgage Lending & HMDA Data, 2005
In 2005, Capitalone of Richmond, VA reported 4,337 mortgage applications totaling $627.4 million, up 50% from 2004. The average application was for $144,668, and applicants reported an average income of $63,882. 27% of its applications resulted in an originated loan and 53% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (125), New York-Wayne-White Plains, NY-NJ (100) and Los Angeles-Long Beach-Glendale, CA (89) (applications in parentheses).
| Mortgage Company & Address | Capitalone 15000 Capital One Dr Richmond, VA 23238 |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 |
| Total Number of Mortgage Applications | 4,337 |
| Total Mortgage Loan Application Amount | $627,426,000 |
| Average Mortgage Loan Application Amount | $144,668 |
| Highest Mortgage Loan Application Amount | $12,806,000 |
| Average Applicant Income | $63,882 |
| Highest Applicant Income | $1,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capitalone filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Marietta, GA | 125 | $ 26,406,000 | $ 211,248 | $ 70,000 |
| New York-Wayne-White Plains, NY-NJ | 100 | $ 23,619,000 | $ 236,190 | $ 85,000 |
| Los Angeles-Long Beach-Glendale, CA | 89 | $ 22,356,000 | $ 251,191 | $ 69,000 |
| Chicago-Naperville-Joliet, IL | 84 | $ 12,193,000 | $ 145,154 | $ 56,000 |
| Riverside-San Bernardino-Ontario, CA | 67 | $ 13,461,000 | $ 200,910 | $ 83,000 |
| Tampa-St. Petersburg-Clearwater, FL | 65 | $ 9,437,000 | $ 145,184 | $ 55,000 |
| Philadelphia, PA | 62 | $ 9,339,000 | $ 150,629 | $ 68,000 |
| Nassau-Suffolk, NY | 57 | $ 13,655,000 | $ 239,561 | $ 79,000 |
| Baltimore-Towson, MD | 56 | $ 8,399,000 | $ 149,982 | $ 63,000 |
| Orlando, FL | 56 | $ 7,722,000 | $ 137,892 | $ 55,000 |
| Phoenix-Mesa-Scottsdale, AZ | 53 | $ 7,803,000 | $ 147,226 | $ 54,000 |
| Las Vegas-Paradise, NV | 52 | $ 9,241,000 | $ 177,711 | $ 60,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 52 | $ 6,707,000 | $ 128,980 | $ 61,000 |
| Miami-Miami Beach-Kendall, FL | 51 | $ 9,240,000 | $ 181,176 | $ 60,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 47 | $ 8,444,000 | $ 179,659 | $ 62,000 |
| Camden, NJ | 46 | $ 7,035,000 | $ 152,934 | $ 57,000 |
| New Orleans-Metairie-Kenner, LA | 41 | $ 5,255,000 | $ 128,170 | $ 73,000 |
| Edison, NJ | 39 | $ 7,957,000 | $ 204,025 | $ 78,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 39 | $ 5,385,000 | $ 138,076 | $ 55,000 |
| Boston-Quincy, MA | 38 | $ 4,576,000 | $ 120,421 | $ 58,000 |
| Newark-Union, NJ-PA | 37 | $ 8,639,000 | $ 233,486 | $ 88,000 |
| Richmond, VA | 34 | $ 4,911,000 | $ 144,441 | $ 57,000 |
| Augusta-Richmond County, GA-SC | 31 | $ 642,000 | $ 20,709 | $ 58,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 30 | $ 3,671,000 | $ 122,366 | $ 53,000 |
| Indianapolis, IN | 30 | $ 4,165,000 | $ 138,833 | $ 62,000 |
| Dallas-Plano-Irving, TX | 28 | $ 4,258,000 | $ 152,071 | $ 60,000 |
| Nashville-Davidson--Murfreesboro, TN | 28 | $ 3,934,000 | $ 140,500 | $ 51,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 27 | $ 5,034,000 | $ 186,444 | $ 61,000 |
| St. Louis, MO-IL | 27 | $ 2,863,000 | $ 106,037 | $ 50,000 |
| Jacksonville, FL | 26 | $ 3,111,000 | $ 119,653 | $ 59,000 |
| Seattle-Bellevue-Everett, WA | 26 | $ 5,708,000 | $ 219,538 | $ 89,000 |
| Cleveland-Elyria-Mentor, OH | 24 | $ 2,622,000 | $ 109,250 | $ 42,000 |
| Denver-Aurora, CO | 24 | $ 3,833,000 | $ 159,708 | $ 70,000 |
| Houston-Baytown-Sugar Land, TX | 24 | $ 2,344,000 | $ 97,666 | $ 95,000 |
| Pittsburgh, PA | 24 | $ 2,263,000 | $ 94,291 | $ 61,000 |
| Albany-Schenectady-Troy, NY | 23 | $ 2,378,000 | $ 103,391 | $ 57,000 |
| Bakersfield, CA | 23 | $ 3,444,000 | $ 149,739 | $ 62,000 |
| Birmingham-Hoover, AL | 23 | $ 2,938,000 | $ 127,739 | $ 59,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 23 | $ 4,616,000 | $ 200,695 | $ 61,000 |
| Charlotte-Gastonia-Concord, NC-SC | 22 | $ 2,157,000 | $ 98,045 | $ 54,000 |
| Columbus, OH | 22 | $ 3,201,000 | $ 145,500 | $ 66,000 |
| New Haven-Milford, CT | 22 | $ 3,107,000 | $ 141,227 | $ 60,000 |
| Oklahoma City, OK | 22 | $ 1,682,000 | $ 76,454 | $ 51,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 22 | $ 3,970,000 | $ 180,454 | $ 106,000 |
| Albuquerque, NM | 20 | $ 2,413,000 | $ 120,650 | $ 52,000 |
| Buffalo-Niagara Falls, NY | 19 | $ 1,857,000 | $ 97,736 | $ 75,000 |
| Palm Bay-Melbourne-Titusville, FL | 19 | $ 2,761,000 | $ 145,315 | $ 52,000 |
| Rochester, NY | 19 | $ 1,800,000 | $ 94,736 | $ 86,000 |
| Tucson, AZ | 19 | $ 2,345,000 | $ 123,421 | $ 60,000 |
| Detroit-Livonia-Dearborn, MI | 18 | $ 2,073,000 | $ 115,166 | $ 62,000 |
| Oakland-Fremont-Hayward, CA | 18 | $ 4,626,000 | $ 257,000 | $ 57,000 |
| Springfield, MA | 18 | $ 1,254,000 | $ 69,666 | $ 56,000 |
| Syracuse, NY | 17 | $ 1,432,000 | $ 84,235 | $ 53,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 17 | $ 2,978,000 | $ 175,176 | $ 66,000 |
| Wilmington, DE-MD-NJ | 17 | $ 2,079,000 | $ 122,294 | $ 87,000 |
| Milwaukee-Waukesha-West Allis, WI | 16 | $ 1,909,000 | $ 119,312 | $ 52,000 |
| Providence-New Bedford-Fall River, RI-MA | 16 | $ 2,369,000 | $ 148,062 | $ 67,000 |
| Warren-Farmington Hills-Troy, MI | 16 | $ 3,463,000 | $ 216,437 | $ 89,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 15 | $ 3,009,000 | $ 200,600 | $ 77,000 |
| Cambridge-Newton-Framingham, MA | 15 | $ 1,546,000 | $ 103,066 | $ 48,000 |
| Portland-Vancouver-Beaverton, OR-WA | 15 | $ 2,790,000 | $ 186,000 | $ 70,000 |
| Tacoma, WA | 15 | $ 2,382,000 | $ 158,800 | $ 89,000 |
| Tulsa, OK | 15 | $ 1,314,000 | $ 87,600 | $ 49,000 |
| Worcester, MA | 15 | $ 1,525,000 | $ 101,666 | $ 57,000 |
| Cincinnati-Middletown, OH-KY-IN | 14 | $ 1,717,000 | $ 122,642 | $ 58,000 |
| Kansas City, MO-KS | 14 | $ 1,473,000 | $ 105,214 | $ 166,000 |
| Memphis, TN-MS-AR | 14 | $ 1,527,000 | $ 109,071 | $ 55,000 |
| Scranton--Wilkes-Barre, PA | 14 | $ 1,043,000 | $ 74,500 | $ 53,000 |
| Knoxville, TN | 13 | $ 1,470,000 | $ 113,076 | $ 52,000 |
| Lakeland, FL | 13 | $ 1,627,000 | $ 125,153 | $ 49,000 |
| Manchester-Nashua, NH | 13 | $ 2,160,000 | $ 166,153 | $ 62,000 |
| Santa Ana-Anaheim-Irvine, CA | 13 | $ 4,734,000 | $ 364,153 | $ 96,000 |
| Vallejo-Fairfield, CA | 13 | $ 3,568,000 | $ 274,461 | $ 101,000 |
| Fresno, CA | 12 | $ 2,865,000 | $ 238,750 | $ 95,000 |
| Hartford-West Hartford-East Hartford, CT | 12 | $ 1,577,000 | $ 131,416 | $ 72,000 |
| Honolulu, HI | 12 | $ 2,753,000 | $ 229,416 | $ 72,000 |
| Mobile, AL | 12 | $ 1,070,000 | $ 89,166 | $ 49,000 |
| San Diego-Carlsbad-San Marcos, CA | 12 | $ 3,387,000 | $ 282,250 | $ 83,000 |
| Sarasota-Bradenton-Venice, FL | 12 | $ 2,421,000 | $ 201,750 | $ 63,000 |
| Asheville, NC | 11 | $ 2,071,000 | $ 188,272 | $ 62,000 |
| Bridgeport-Stamford-Norwalk, CT | 11 | $ 1,793,000 | $ 163,000 | $ 117,000 |
| Cape Coral-Fort Myers, FL | 11 | $ 1,594,000 | $ 144,909 | $ 57,000 |
| Chattanooga, TN-GA | 11 | $ 847,000 | $ 77,000 | $ 42,000 |
| Bethesda-Frederick-Gaithersburg, MD | 10 | $ 2,464,000 | $ 246,400 | $ 75,000 |
| Hagerstown-Martinsburg, MD-WV | 10 | $ 1,639,000 | $ 163,900 | $ 57,000 |
| Jackson, MS | 10 | $ 950,000 | $ 95,000 | $ 71,000 |
| Kingston, NY | 10 | $ 1,241,000 | $ 124,100 | $ 49,000 |
| Ocala, FL | 10 | $ 901,000 | $ 90,100 | $ 46,000 |
| Rockingham County-Strafford County, NH | 10 | $ 2,131,000 | $ 213,100 | $ 62,000 |
| Toledo, OH | 10 | $ 894,000 | $ 89,400 | $ 45,000 |
| Baton Rouge, LA | 9 | $ 898,000 | $ 99,777 | $ 63,000 |
| Charleston-North Charleston, SC | 9 | $ 1,117,000 | $ 124,111 | $ 45,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 9 | $ 1,147,000 | $ 127,444 | $ 42,000 |
| Pensacola-Ferry Pass-Brent, FL | 9 | $ 813,000 | $ 90,333 | $ 48,000 |
| Portland-South Portland-Biddeford, ME | 9 | $ 1,502,000 | $ 166,888 | $ 44,000 |
| Raleigh-Cary, NC | 9 | $ 1,242,000 | $ 138,000 | $ 78,000 |
| Salt Lake City, UT | 9 | $ 1,518,000 | $ 168,666 | $ 69,000 |
| San Francisco-San Mateo-Redwood City, CA | 9 | $ 3,824,000 | $ 424,888 | $ 161,000 |
| Springfield, MO | 9 | $ 973,000 | $ 108,111 | $ 56,000 |
| Winston-Salem, NC | 9 | $ 947,000 | $ 105,222 | $ 58,000 |
| Atlantic City, NJ | 8 | $ 841,000 | $ 105,125 | $ 36,000 |
| Colorado Springs, CO | 8 | $ 952,000 | $ 119,000 | $ 54,000 |
| Essex County, MA | 8 | $ 1,547,000 | $ 193,375 | $ 52,000 |
| Huntsville, AL | 8 | $ 1,108,000 | $ 138,500 | $ 62,000 |
| Lancaster, PA | 8 | $ 890,000 | $ 111,250 | $ 42,000 |
| Naples-Marco Island, FL | 8 | $ 2,417,000 | $ 302,125 | $ 107,000 |
| Port St. Lucie-Fort Pierce, FL | 8 | $ 1,120,000 | $ 140,000 | $ 59,000 |
| Wichita, KS | 8 | $ 607,000 | $ 75,875 | $ 54,000 |
| Akron, OH | 7 | $ 482,000 | $ 68,857 | $ 50,000 |
| Canton-Massillon, OH | 7 | $ 613,000 | $ 87,571 | $ 53,000 |
| Charleston, WV | 7 | $ 542,000 | $ 77,428 | $ 44,000 |
| Columbia, SC | 7 | $ 581,000 | $ 83,000 | $ 45,000 |
| Decatur, AL | 7 | $ 775,000 | $ 110,714 | $ 74,000 |
| Durham, NC | 7 | $ 892,000 | $ 127,428 | $ 95,000 |
| Erie, PA | 7 | $ 578,000 | $ 82,571 | $ 50,000 |
| Flint, MI | 7 | $ 671,000 | $ 95,857 | $ 44,000 |
| Fort Worth-Arlington, TX | 7 | $ 671,000 | $ 95,857 | $ 65,000 |
| Gary, IN | 7 | $ 627,000 | $ 89,571 | $ 53,000 |
| Grand Rapids-Wyoming, MI | 7 | $ 762,000 | $ 108,857 | $ 85,000 |
| Greenville, SC | 7 | $ 737,000 | $ 105,285 | $ 50,000 |
| Harrisburg-Carlisle, PA | 7 | $ 561,000 | $ 80,142 | $ 35,000 |
| Lake County-Kenosha County, IL-WI | 7 | $ 1,536,000 | $ 219,428 | $ 95,000 |
| Louisville, KY-IN | 7 | $ 594,000 | $ 84,857 | $ 40,000 |
| Modesto, CA | 7 | $ 1,501,000 | $ 214,428 | $ 64,000 |
| Norwich-New London, CT | 7 | $ 934,000 | $ 133,428 | $ 46,000 |
| Punta Gorda, FL | 7 | $ 944,000 | $ 134,857 | $ 65,000 |
| Shreveport-Bossier City, LA | 7 | $ 719,000 | $ 102,714 | $ 56,000 |
| Youngstown-Warren-Boardman, OH-PA | 7 | $ 545,000 | $ 77,857 | $ 43,000 |
| Albany, GA | 6 | $ 599,000 | $ 99,833 | $ 53,000 |
| Anchorage, AK | 6 | $ 769,000 | $ 128,166 | $ 46,000 |
| Athens-Clarke County, GA | 6 | $ 1,029,000 | $ 171,500 | $ 63,000 |
| Bangor, ME | 6 | $ 597,000 | $ 99,500 | $ 50,000 |
| Barnstable Town, MA | 6 | $ 968,000 | $ 161,333 | $ 53,000 |
| Blacksburg-Christiansburg-Radford, VA | 6 | $ 569,000 | $ 94,833 | $ 39,000 |
| Boise City-Nampa, ID | 6 | $ 656,000 | $ 109,333 | $ 44,000 |
| Dayton, OH | 6 | $ 848,000 | $ 141,333 | $ 38,000 |
| Fort Walton Beach-Crestview-Destin, FL | 6 | $ 924,000 | $ 154,000 | $ 36,000 |
| Greensboro-High Point, NC | 6 | $ 725,000 | $ 120,833 | $ 62,000 |
| Gulfport-Biloxi, MS | 6 | $ 577,000 | $ 96,166 | $ 67,000 |
| Hickory-Lenoir-Morganton, NC | 6 | $ 764,000 | $ 127,333 | $ 59,000 |
| Reading, PA | 6 | $ 794,000 | $ 132,333 | $ 43,000 |
| Rockford, IL | 6 | $ 607,000 | $ 101,166 | $ 55,000 |
| San Antonio, TX | 6 | $ 437,000 | $ 72,833 | $ 52,000 |
| Springfield, IL | 6 | $ 529,000 | $ 88,166 | $ 69,000 |
| Tallahassee, FL | 6 | $ 691,000 | $ 115,166 | $ 50,000 |
| Wilmington, NC | 6 | $ 727,000 | $ 121,166 | $ 72,000 |
| York-Hanover, PA | 6 | $ 860,000 | $ 143,333 | $ 56,000 |
| Brunswick, GA | 5 | $ 506,000 | $ 101,200 | $ 32,000 |
| Cedar Rapids, IA | 5 | $ 555,000 | $ 111,000 | $ 71,000 |
| Charlottesville, VA | 5 | $ 725,000 | $ 145,000 | $ 57,000 |
| Des Moines, IA | 5 | $ 590,000 | $ 118,000 | $ 65,000 |
| Lincoln, NE | 5 | $ 500,000 | $ 100,000 | $ 47,000 |
| Oshkosh-Neenah, WI | 5 | $ 382,000 | $ 76,400 | $ 39,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 1,759,000 | $ 351,800 | $ 90,000 |
| Panama City-Lynn Haven, FL | 5 | $ 499,000 | $ 99,800 | $ 62,000 |
| Prescott, AZ | 5 | $ 1,123,000 | $ 224,600 | $ 103,000 |
| Springfield, OH | 5 | $ 337,000 | $ 67,400 | $ 37,000 |
| Stockton, CA | 5 | $ 1,977,000 | $ 395,400 | $ 182,000 |
| Yuma, AZ | 5 | $ 554,000 | $ 110,800 | $ 49,000 |
| Anniston-Oxford, AL | 4 | $ 1,387,000 | $ 346,750 | $ 111,000 |
| Austin-Round Rock, TX | 4 | $ 612,000 | $ 153,000 | $ 64,000 |
| Binghamton, NY | 4 | $ 319,000 | $ 79,750 | $ 70,000 |
| Danville, IL | 4 | $ 345,000 | $ 86,250 | $ 64,000 |
| Dover, DE | 4 | $ 645,000 | $ 161,250 | $ 64,000 |
| Eugene-Springfield, OR | 4 | $ 515,000 | $ 128,750 | $ 46,000 |
| Fort Wayne, IN | 4 | $ 345,000 | $ 86,250 | $ 59,000 |
| Gainesville, GA | 4 | $ 426,000 | $ 106,500 | $ 35,000 |
| Glens Falls, NY | 4 | $ 388,000 | $ 97,000 | $ 84,000 |
| Green Bay, WI | 4 | $ 514,000 | $ 128,500 | $ 86,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 387,000 | $ 96,750 | $ 59,000 |
| Iowa City, IA | 4 | $ 231,000 | $ 57,750 | $ 24,000 |
| Jackson, MI | 4 | $ 595,000 | $ 148,750 | $ 83,000 |
| Lafayette, LA | 4 | $ 303,000 | $ 75,750 | $ 40,000 |
| Lansing-East Lansing, MI | 4 | $ 284,000 | $ 71,000 | $ 59,000 |
| Lexington-Fayette, KY | 4 | $ 569,000 | $ 142,250 | $ 63,000 |
| McAllen-Edinburg-Pharr, TX | 4 | $ 468,000 | $ 117,000 | $ 59,000 |
| Monroe, LA | 4 | $ 338,000 | $ 84,500 | $ 58,000 |
| Montgomery, AL | 4 | $ 344,000 | $ 86,000 | $ 32,000 |
| Morristown, TN | 4 | $ 763,000 | $ 190,750 | $ 279,000 |
| Ocean City, NJ | 4 | $ 656,000 | $ 164,000 | $ 64,000 |
| Peoria, IL | 4 | $ 281,000 | $ 70,250 | $ 32,000 |
| Provo-Orem, UT | 4 | $ 1,108,000 | $ 277,000 | $ 75,000 |
| Reno-Sparks, NV | 4 | $ 638,000 | $ 159,500 | $ 62,000 |
| Saginaw-Saginaw Township North, MI | 4 | $ 456,000 | $ 114,000 | $ 62,000 |
| Santa Fe, NM | 4 | $ 653,000 | $ 163,250 | $ 85,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 1,000,000 | $ 250,000 | $ 57,000 |
| Spartanburg, SC | 4 | $ 442,000 | $ 110,500 | $ 47,000 |
| Vero Beach, FL | 4 | $ 476,000 | $ 119,000 | $ 89,000 |
| Vineland-Millville-Bridgeton, NJ | 4 | $ 586,000 | $ 146,500 | $ 47,000 |
| Anderson, IN | 3 | $ 309,000 | $ 103,000 | $ 55,000 |
| Bend, OR | 3 | $ 589,000 | $ 196,333 | $ 124,000 |
| Brownsville-Harlingen, TX | 3 | $ 127,000 | $ 42,333 | $ 26,000 |
| Chico, CA | 3 | $ 476,000 | $ 158,666 | $ 45,000 |
| Coeur D'Alene, ID | 3 | $ 310,000 | $ 103,333 | $ 61,000 |
| Corpus Christi, TX | 3 | $ 249,000 | $ 83,000 | $ 53,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 321,000 | $ 107,000 | $ 67,000 |
| El Centro, CA | 3 | $ 268,000 | $ 89,333 | $ 74,000 |
| Farmington, NM | 3 | $ 385,000 | $ 128,333 | $ 72,000 |
| Gadsden, AL | 3 | $ 203,000 | $ 67,666 | $ 42,000 |
| Gainesville, FL | 3 | $ 367,000 | $ 122,333 | $ 43,000 |
| Goldsboro, NC | 3 | $ 218,000 | $ 72,666 | $ 50,000 |
| Houma-Bayou Cane-Thibodaux, LA | 3 | $ 214,000 | $ 71,333 | $ 35,000 |
| Kalamazoo-Portage, MI | 3 | $ 306,000 | $ 102,000 | $ 42,000 |
| Lawton, OK | 3 | $ 235,000 | $ 78,333 | $ 48,000 |
| Lynchburg, VA | 3 | $ 207,000 | $ 69,000 | $ 68,000 |
| Madison, WI | 3 | $ 432,000 | $ 144,000 | $ 101,000 |
| Mansfield, OH | 3 | $ 281,000 | $ 93,666 | $ 34,000 |
| Merced, CA | 3 | $ 622,000 | $ 207,333 | $ 37,000 |
| Michigan City-La Porte, IN | 3 | $ 259,000 | $ 86,333 | $ 45,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 409,000 | $ 136,333 | $ 37,000 |
| Olympia, WA | 3 | $ 404,000 | $ 134,666 | $ 41,000 |
| Pascagoula, MS | 3 | $ 211,000 | $ 70,333 | $ 45,000 |
| Pueblo, CO | 3 | $ 300,000 | $ 100,000 | $ 52,000 |
| Redding, CA | 3 | $ 262,000 | $ 87,333 | $ 13,000 |
| Roanoke, VA | 3 | $ 206,000 | $ 68,666 | $ 32,000 |
| Rome, GA | 3 | $ 274,000 | $ 91,333 | $ 36,000 |
| Salem, OR | 3 | $ 377,000 | $ 125,666 | $ 74,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 933,000 | $ 311,000 | $ 75,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 3 | $ 1,036,000 | $ 345,333 | $ 97,000 |
| Savannah, GA | 3 | $ 347,000 | $ 115,666 | $ 89,000 |
| Sioux City, IA-NE-SD | 3 | $ 315,000 | $ 105,000 | $ 17,000 |
| Spokane, WA | 3 | $ 393,000 | $ 131,000 | $ 65,000 |
| State College, PA | 3 | $ 292,000 | $ 97,333 | $ 30,000 |
| Sumter, SC | 3 | $ 276,000 | $ 92,000 | $ 63,000 |
| Trenton-Ewing, NJ | 3 | $ 674,000 | $ 224,666 | $ 69,000 |
| Tuscaloosa, AL | 3 | $ 386,000 | $ 128,666 | $ 49,000 |
| Tyler, TX | 3 | $ 245,000 | $ 81,666 | $ 59,000 |
| Utica-Rome, NY | 3 | $ 238,000 | $ 79,333 | $ 34,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 416,000 | $ 138,666 | $ 69,000 |
| Alexandria, LA | 2 | $ 175,000 | $ 87,500 | $ 54,000 |
| Appleton, WI | 2 | $ 202,000 | $ 101,000 | $ 67,000 |
| Auburn-Opelika, AL | 2 | $ 207,000 | $ 103,500 | $ 66,000 |
| Beaumont-Port Arthur, TX | 2 | $ 55,000 | $ 27,500 | $ 39,000 |
| Bloomington, IN | 2 | $ 185,000 | $ 92,500 | $ 61,000 |
| Burlington-South Burlington, VT | 2 | $ 136,000 | $ 68,000 | $ 31,000 |
| Clarksville, TN-KY | 2 | $ 203,000 | $ 101,500 | $ 40,000 |
| College Station-Bryan, TX | 2 | $ 203,000 | $ 101,500 | $ 31,000 |
| Cumberland, MD-WV | 2 | $ 205,000 | $ 102,500 | $ 51,000 |
| Dalton, GA | 2 | $ 213,000 | $ 106,500 | $ 46,000 |
| Dothan, AL | 2 | $ 121,000 | $ 60,500 | $ 14,000 |
| Elizabethtown, KY | 2 | $ 138,000 | $ 69,000 | $ 53,000 |
| Evansville, IN-KY | 2 | $ 105,000 | $ 52,500 | $ 34,000 |
| Fayetteville, NC | 2 | $ 257,000 | $ 128,500 | $ 80,000 |
| Fort Collins-Loveland, CO | 2 | $ 455,000 | $ 227,500 | $ 84,000 |
| Greeley, CO | 2 | $ 335,000 | $ 167,500 | $ 66,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 219,000 | $ 109,500 | $ 149,000 |
| Jacksonville, NC | 2 | $ 158,000 | $ 79,000 | $ 57,000 |
| Johnson City, TN | 2 | $ 240,000 | $ 120,000 | $ 41,000 |
| Johnstown, PA | 2 | $ 142,000 | $ 71,000 | $ 57,000 |
| Kankakee-Bradley, IL | 2 | $ 183,000 | $ 91,500 | $ 35,000 |
| Las Cruces, NM | 2 | $ 262,000 | $ 131,000 | $ 46,000 |
| Lewiston-Auburn, ME | 2 | $ 407,000 | $ 203,500 | $ 42,000 |
| Lubbock, TX | 2 | $ 210,000 | $ 105,000 | $ 34,000 |
| Macon, GA | 2 | $ 200,000 | $ 100,000 | $ 49,000 |
| Niles-Benton Harbor, MI | 2 | $ 182,000 | $ 91,000 | $ 46,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 206,000 | $ 103,000 | $ 51,000 |
| Owensboro, KY | 2 | $ 182,000 | $ 91,000 | $ 36,000 |
| Parkersburg-Marietta, WV-OH | 2 | $ 95,000 | $ 47,500 | $ 27,000 |
| Racine, WI | 2 | $ 169,000 | $ 84,500 | $ 40,000 |
| Rapid City, SD | 2 | $ 226,000 | $ 113,000 | $ 79,000 |
| Rochester, MN | 2 | $ 437,000 | $ 218,500 | $ 328,000 |
| Sandusky, OH | 2 | $ 161,000 | $ 80,500 | $ 60,000 |
| Sherman-Denison, TX | 2 | $ 162,000 | $ 81,000 | $ 80,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 253,000 | $ 126,500 | $ 66,000 |
| St. Joseph, MO-KS | 2 | $ 182,000 | $ 91,000 | $ 43,000 |
| Warner Robins, GA | 2 | $ 194,000 | $ 97,000 | $ 205,000 |
| Wenatchee, WA | 2 | $ 354,000 | $ 177,000 | $ 52,000 |
| Wheeling, WV-OH | 2 | $ 73,000 | $ 36,500 | $ 61,000 |
| Winchester, VA-WV | 2 | $ 209,000 | $ 104,500 | $ 46,000 |
| Yakima, WA | 2 | $ 100,000 | $ 50,000 | $ 10,000 |
| Abilene, TX | 1 | $ 40,000 | $ 40,000 | $ 35,000 |
| Altoona, PA | 1 | $ 83,000 | $ 83,000 | $ 39,000 |
| Anderson, SC | 1 | $ 113,000 | $ 113,000 | $ 49,000 |
| Ann Arbor, MI | 1 | $ 163,000 | $ 163,000 | $ 53,000 |
| Battle Creek, MI | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Bellingham, WA | 1 | $ 233,000 | $ 233,000 | $ 60,000 |
| Bismarck, ND | 1 | $ 48,000 | $ 48,000 | $ 39,000 |
| Boulder, CO | 1 | $ 255,000 | $ 255,000 | $ 100,000 |
| Bowling Green, KY | 1 | $ 67,000 | $ 67,000 | $ 28,000 |
| Carson City, NV | 1 | $ 50,000 | $ 50,000 | $ 37,000 |
| Champaign-Urbana, IL | 1 | $ 73,000 | $ 73,000 | $ 36,000 |
| Cheyenne, WY | 1 | $ 65,000 | $ 65,000 | $ 15,000 |
| Columbus, GA-AL | 1 | $ 162,000 | $ 162,000 | $ 60,000 |
| Columbus, IN | 1 | $ 170,000 | $ 170,000 | $ 96,000 |
| Danville, VA | 1 | $ 25,000 | $ 25,000 | $ 113,000 |
| Duluth, MN-WI | 1 | $ 43,000 | $ 43,000 | $ 11,000 |
| Eau Claire, WI | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| El Paso, TX | 1 | $ 73,000 | $ 73,000 | $ 60,000 |
| Elkhart-Goshen, IN | 1 | $ 68,000 | $ 68,000 | $ 34,000 |
| Elmira, NY | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Fargo, ND-MN | 1 | $ 76,000 | $ 76,000 | $ 53,000 |
| Flagstaff, AZ | 1 | $ 144,000 | $ 144,000 | $ 58,000 |
| Greenville, NC | 1 | $ 131,000 | $ 131,000 | $ 48,000 |
| Hanford-Corcoran, CA | 1 | $ 112,000 | $ 112,000 | $ 63,000 |
| Harrisonburg, VA | 1 | $ 255,000 | $ 255,000 | $ 162,000 |
| Hot Springs, AR | 1 | $ 144,000 | $ 144,000 | $ 62,000 |
| Jackson, TN | 1 | $ 88,000 | $ 88,000 | $ 24,000 |
| Joplin, MO | 1 | $ 70,000 | $ 70,000 | $ 50,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 136,000 | $ 136,000 | $ 67,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 109,000 | $ 109,000 | $ 48,000 |
| Kokomo, IN | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Lafayette, IN | 1 | $ 164,000 | $ 164,000 | $ 92,000 |
| Lake Charles, LA | 1 | $ 80,000 | $ 80,000 | $ 58,000 |
| Lebanon, PA | 1 | $ 60,000 | $ 60,000 | $ 38,000 |
| Lima, OH | 1 | $ 91,000 | $ 91,000 | $ 37,000 |
| Little Rock-North Little Rock, AR | 1 | $ 10,000 | $ 10,000 | $ 31,000 |
| Longview, TX | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Longview, WA | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Madera, CA | 1 | $ 210,000 | $ 210,000 | $ 108,000 |
| Medford, OR | 1 | $ 350,000 | $ 350,000 | $ 149,000 |
| Midland, TX | 1 | $ 176,000 | $ 176,000 | $ 129,000 |
| Monroe, MI | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Napa, CA | 1 | $ 443,000 | $ 443,000 | $ 96,000 |
| Odessa, TX | 1 | $ 63,000 | $ 63,000 | $ 41,000 |
| Ogden-Clearfield, UT | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| Pine Bluff, AR | 1 | $ 138,000 | $ 138,000 | $ 100,000 |
| Pittsfield, MA | 1 | $ 99,000 | $ 99,000 | $ 129,000 |
| Salinas, CA | 1 | $ 200,000 | $ 200,000 | $ 44,000 |
| Salisbury, MD | 1 | $ 157,000 | $ 157,000 | $ 63,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 680,000 | $ 680,000 | $ 0 |
| Sheboygan, WI | 1 | $ 171,000 | $ 171,000 | $ 149,000 |
| Sioux Falls, SD | 1 | $ 76,000 | $ 76,000 | $ 30,000 |
| Topeka, KS | 1 | $ 40,000 | $ 40,000 | $ 20,000 |
| Valdosta, GA | 1 | $ 137,000 | $ 137,000 | $ 50,000 |
| Visalia-Porterville, CA | 1 | $ 233,000 | $ 233,000 | $ 50,000 |
| Wichita Falls, TX | 1 | $ 64,000 | $ 64,000 | $ 34,000 |
| Yuba City, CA | 1 | $ 140,000 | $ 140,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Capitalone in 2005
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 | 3,516 | $525,712,000 | $132,686 | $2,500,000 | $59,411 | $975,000 |
| Home Improvement | 543 | $66,740,000 | $110,687 | $12,806,000 | $69,791 | $653,000 |
| Home Purchase | 278 | $34,974,000 | $125,454 | $602,000 | $80,022 | $1,000,000 |
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 | 2,050 | $289,354,000 | $137,372 | $863,000 | $66,392 | $1,000,000 |
| Not Provided | 1,432 | $204,412,000 | $122,294 | $2,500,000 | $62,666 | $900,000 |
| Black or African American | 474 | $56,493,000 | $120,305 | $610,000 | $56,555 | $240,000 |
| Hispanic | 268 | $45,555,000 | $138,125 | $750,000 | $63,687 | $600,000 |
| Asian | 60 | $10,872,000 | $171,000 | $800,000 | $68,958 | $500,000 |
| American Indian or Alaskan Native | 29 | $3,351,000 | $125,333 | $315,000 | $61,500 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 24 | $17,389,000 | $606,000 | $12,806,000 | $65,400 | $122,000 |
| 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) | 4,312 | $623,140,000 | $129,274 | $12,806,000 | $63,568 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 21 | $3,763,000 | $174,933 | $1,112,000 | $57,200 | $388,000 |
| VA-guaranteed (Veterans Administration) | 4 | $523,000 | $140,333 | $181,000 | $65,000 | $73,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 2,306 | $331,873,000 | $126,725 | $12,806,000 | $62,647 | $1,000,000 |
| Loan Originated | 1,192 | $169,057,000 | $129,880 | $896,000 | $60,940 | $600,000 |
| Application Withdrawn By Applicant | 723 | $112,931,000 | $140,127 | $1,000,000 | $69,361 | $975,000 |
| Application Approved But Not Accepted | 61 | $7,125,000 | $113,727 | $460,000 | $59,636 | $299,000 |
| File Closed For Incompleteness | 55 | $6,440,000 | $128,344 | $290,000 | $64,655 | $199,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 640 | $97,635,000 | $134,826 | $750,000 | $67,369 | $1,000,000 |
| Credit History | 613 | $88,616,000 | $121,061 | $12,806,000 | $63,020 | $872,000 |
| Other | 402 | $58,554,000 | $132,354 | $722,000 | $61,458 | $600,000 |
| Collateral | 344 | $44,568,000 | $127,714 | $800,000 | $65,761 | $900,000 |
| Debt-To-Income Ratio | 160 | $22,898,000 | $142,230 | $600,000 | $44,820 | $262,000 |
| Unverifiable Information | 110 | $14,106,000 | $116,057 | $407,000 | $52,257 | $310,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $3,154,000 | $129,722 | $332,000 | $54,222 | $139,000 |
| Employment History | 11 | $2,109,000 | $191,727 | $600,000 | $83,636 | $275,000 |
| Mortgage Insurance Denied | 2 | $233,000 | $116,500 | $153,000 | $53,000 | $54,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitalone's 2005 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 Capitalone'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.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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