Capitol National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Capitol National Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Capitol National Bank 200 N Washington Square Lansing, MI 48933 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 367 |
| Total Mortgage Loan Application Amount | $49,174,000 |
| Average Mortgage Loan Application Amount | $239,941 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $10,352 |
| Highest Applicant Income | $312,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Capitol National Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Capitol National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Capitol National Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Capitol National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Capitol National Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Capitol National Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ingham County Michigan | 141 | $ 15,226,000 | $ 107,000 | $ 34,000 |
| Clinton County Michigan | 79 | $ 9,921,000 | $ 125,000 | $ 21,000 |
| Eaton County Michigan | 30 | $ 3,655,000 | $ 121,000 | $ 16,000 |
| Shiawassee County Michigan | 19 | $ 1,970,000 | $ 103,000 | $ 0 |
| Maricopa County Arizona | 17 | $ 4,716,000 | $ 277,000 | $ 36,000 |
| Yuma County Arizona | 5 | $ 1,100,000 | $ 220,000 | $ 0 |
| Gratiot County Michigan | 5 | $ 372,000 | $ 74,000 | $ 22,000 |
| Genesee County Michigan | 4 | $ 335,000 | $ 83,000 | $ 0 |
| Grand Traverse County Michigan | 3 | $ 274,000 | $ 91,000 | $ 104,000 |
| Oakland County Michigan | 3 | $ 684,000 | $ 228,000 | $ 0 |
| Saginaw County Michigan | 3 | $ 168,000 | $ 56,000 | $ 0 |
| Washtenaw County Michigan | 3 | $ 656,000 | $ 218,000 | $ 0 |
| Wayne County Michigan | 3 | $ 311,000 | $ 103,000 | $ 0 |
| Hartford County Connecticut | 2 | $ 442,000 | $ 221,000 | $ 0 |
| Hawaii County Hawaii | 2 | $ 553,000 | $ 276,000 | $ 0 |
| Allen County Indiana | 2 | $ 332,000 | $ 166,000 | $ 0 |
| Prince George's County Maryland | 2 | $ 337,000 | $ 168,000 | $ 0 |
| Antrim County Michigan | 2 | $ 390,000 | $ 195,000 | $ 99,000 |
| Clare County Michigan | 2 | $ 204,000 | $ 102,000 | $ 0 |
| Crawford County Michigan | 2 | $ 158,000 | $ 79,000 | $ 0 |
| Emmet County Michigan | 2 | $ 1,050,000 | $ 525,000 | $ 124,000 |
| Ionia County Michigan | 2 | $ 236,000 | $ 118,000 | $ 0 |
| Isabella County Michigan | 2 | $ 229,000 | $ 114,000 | $ 0 |
| Jackson County Michigan | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Kalamazoo County Michigan | 2 | $ 272,000 | $ 136,000 | $ 0 |
| Livingston County Michigan | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Macomb County Michigan | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Mecosta County Michigan | 2 | $ 194,000 | $ 97,000 | $ 0 |
| Montcalm County Michigan | 2 | $ 126,000 | $ 63,000 | $ 40,000 |
| Ottawa County Michigan | 2 | $ 276,000 | $ 138,000 | $ 0 |
| Pima County Arizona | 1 | $ 321,000 | $ 321,000 | $ 0 |
| Napa County California | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Lake County Florida | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Elkhart County Indiana | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Barry County Michigan | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Calhoun County Michigan | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
| Cheboygan County Michigan | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Gladwin County Michigan | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Mackinac County Michigan | 1 | $ 230,000 | $ 230,000 | $ 120,000 |
| Missaukee County Michigan | 1 | $ 221,000 | $ 221,000 | $ 100,000 |
| Monroe County Michigan | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Roscommon County Michigan | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Clark County Nevada | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Bernalillo County New Mexico | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Medina County Ohio | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Montgomery County Ohio | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Deschutes County Oregon | 1 | $ 258,000 | $ 258,000 | $ 0 |
| Clark County Washington | 1 | $ 243,000 | $ 243,000 | $ 0 |
Mortgage Loan Application Detail Totals for Capitol National Bank 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 198 | $24,598,000 | $223,000 | $1,000,000 | $7,285 | $312,000 |
| Refinancing | 159 | $24,012,000 | $273,555 | $1,000,000 | $4,000 | $159,000 |
| Home Improvement | 10 | $564,000 | $56,000 | $117,000 | $89,000 | $300,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 328 | $43,707,000 | $279,615 | $1,000,000 | $0 | $0 |
| White | 33 | $4,013,000 | $141,000 | $288,000 | $102,000 | $312,000 |
| Hispanic | 2 | $1,037,000 | $518,000 | $1,000,000 | $134,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $50,000 | $50,000 | $50,000 | $70,000 | $70,000 |
| Asian | 1 | $79,000 | $79,000 | $79,000 | $300,000 | $300,000 |
| Black or African American | 1 | $168,000 | $168,000 | $168,000 | $136,000 | $136,000 |
| Not Provided | 1 | $120,000 | $120,000 | $120,000 | $148,000 | $148,000 |
| American Indian or Alaskan Native | 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) | 288 | $39,873,000 | $279,000 | $1,000,000 | $4,615 | $312,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $4,757,000 | $118,000 | $180,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 28 | $3,190,000 | $113,000 | $183,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 11 | $1,354,000 | $123,000 | $219,000 | $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 Purchased By The Institution | 320 | $42,598,000 | $279,538 | $1,000,000 | $0 | $0 |
| Loan Originated | 46 | $5,576,000 | $141,500 | $405,000 | $102,500 | $312,000 |
| Application Denied By Financial Institution | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $151,000 | $151,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $151,000 | $151,000 |
| 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 |
| Other | 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitol National Bank'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 Capitol National Bank'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 Michigan, download the full spreadsheet
with aggregated HMDA statistics today.