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Act (HMDA) records Capitalone filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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.
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with aggregated HMDA statistics today.
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