Capitol City Bank & Trust Co. Mortgage Lending & HMDA Data, 2013
In 2013, Capitol City Bank & Trust Co. of Atlanta, GA reported 36 mortgage applications totaling $4.5 million, up 20% from 2012. The average application was for $124,500, and applicants reported an average income of $70,000. 83% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (20), Albany, GA (6) and Augusta-Richmond County, GA-SC (5) (applications in parentheses).
| Mortgage Company & Address | Capitol City Bank & Trust Co. 562 Lee Street Atlanta, GA 30310 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2003 |
| Total Number of Mortgage Applications | 36 |
| Total Mortgage Loan Application Amount | $4,482,000 |
| Average Mortgage Loan Application Amount | $124,500 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $492,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capitol City Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 20 | $ 3,798,000 | $ 189,900 | $ 100,000 |
| Albany, GA | 6 | $ 417,000 | $ 69,500 | $ 42,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 136,000 | $ 27,200 | $ 32,200 |
| Savannah, GA | 2 | $ 17,000 | $ 8,500 | $ 20,000 |
Mortgage Loan Application Detail Totals for Capitol City Bank & Trust Co. in 2013
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 | 20 | $3,287,000 | $164,000 | $710,000 | $75,000 | $468,000 |
| Home Improvement | 13 | $184,000 | $14,000 | $50,000 | $36,000 | $85,000 |
| Home Purchase | 3 | $1,011,000 | $337,000 | $800,000 | $184,000 | $492,000 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 21 | $1,662,000 | $79,000 | $800,000 | $96,000 | $492,000 |
| Not applicable | 12 | $2,452,000 | $204,000 | $710,000 | $0 | $0 |
| White | 2 | $366,000 | $183,000 | $318,000 | $244,000 | $468,000 |
| Hispanic | 1 | $2,000 | $2,000 | $2,000 | $23,000 | $23,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 36 | $4,482,000 | $124,000 | $800,000 | $70,000 | $492,000 |
| 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 |
| 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 | 30 | $3,554,000 | $118,000 | $710,000 | $62,000 | $468,000 |
| Application Denied By Financial Institution | 4 | $838,000 | $209,000 | $800,000 | $148,000 | $492,000 |
| Application Withdrawn By Applicant | 2 | $90,000 | $45,000 | $75,000 | $39,000 | $61,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $34,000 | $17,000 | $20,000 | $31,000 | $36,000 |
| Employment History | 1 | $800,000 | $800,000 | $800,000 | $492,000 | $492,000 |
| Credit Application Incomplete | 1 | $4,000 | $4,000 | $4,000 | $39,000 | $39,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 Capitol City Bank & Trust Co.'s 2013 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 Capitol City Bank & Trust Co.'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 Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
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