Choice Capital Funding Inc. Mortgage Lending & HMDA Data, 2005

In 2005, Choice Capital Funding Inc. of Alpharetta, GA reported 4,174 mortgage applications totaling $602.9 million, up 26% from 2004. The average application was for $144,439, and applicants reported an average income of $66,489. 49% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (524), Chattanooga, TN-GA (103) and Orlando, FL (90) (applications in parentheses).

Mortgage Company & Address Choice Capital Funding Inc.
223 Roswell Street Suite 100
Alpharetta, GA 30004
Tel #: available with data download
Federal Regulator * available with data download
Years 2006  2005  2004  2003  
Total Number of Mortgage Applications 4,174
Total Mortgage Loan Application Amount $602,891,000
Average Mortgage Loan Application Amount $144,439
Highest Mortgage Loan Application Amount $990,000
Average Applicant Income $66,489
Highest Applicant Income $1,140,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Choice Capital Funding Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Choice Capital Funding Inc. by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Fulton, Georgia 115 $ 20,239,000 $ 175,991 $ 91,000
Hamilton, Tennessee 98 $ 11,540,000 $ 117,755 $ 58,000
DeKalb, Georgia 90 $ 14,435,000 $ 160,388 $ 66,000
Gwinnett, Georgia 76 $ 10,224,000 $ 134,526 $ 68,000
Montgomery, Alabama 58 $ 5,568,000 $ 96,000 $ 50,000
Jefferson, Alabama 53 $ 5,862,000 $ 110,603 $ 52,000
Orange, Florida 53 $ 10,425,000 $ 196,698 $ 74,000
Miami-Dade, Florida 49 $ 9,851,000 $ 201,040 $ 64,000
Cobb, Georgia 49 $ 8,147,000 $ 166,265 $ 57,000
Baldwin, Alabama 42 $ 8,028,000 $ 191,142 $ 56,000
Mobile, Alabama 36 $ 5,086,000 $ 141,277 $ 61,000
Marion, Florida 35 $ 4,999,000 $ 142,828 $ 59,000
Greene, Missouri 34 $ 3,210,000 $ 94,411 $ 54,000
Fresno, California 33 $ 5,562,000 $ 168,545 $ 86,000
Clayton, Georgia 32 $ 3,475,000 $ 108,593 $ 70,000
Hall, Georgia 31 $ 4,557,000 $ 147,000 $ 62,000
Broward, Florida 29 $ 6,055,000 $ 208,793 $ 77,000
Cherokee, Georgia 29 $ 5,677,000 $ 195,758 $ 105,000
Fayette, Kentucky 29 $ 3,989,000 $ 137,551 $ 63,000
Hillsborough, Florida 28 $ 3,807,000 $ 135,964 $ 67,000
Henry, Georgia 28 $ 5,562,000 $ 198,642 $ 80,000
Floyd, Kentucky 27 $ 1,988,000 $ 73,629 $ 44,000
Lauderdale, Alabama 26 $ 2,669,000 $ 102,653 $ 49,000
Tulare, California 24 $ 3,338,000 $ 139,083 $ 75,000
Prince George's, Maryland 24 $ 5,862,000 $ 244,250 $ 75,000
Collier, Florida 23 $ 4,157,000 $ 180,739 $ 98,000
Duval, Florida 23 $ 3,183,000 $ 138,391 $ 79,000
Osceola, Florida 23 $ 3,528,000 $ 153,391 $ 51,000
Richmond, Georgia 21 $ 1,963,000 $ 93,476 $ 49,000
Hampton, Virginia 21 $ 2,274,000 $ 108,285 $ 60,000
Clark, Nevada 20 $ 4,037,000 $ 201,850 $ 74,000
Brevard, Florida 19 $ 4,228,000 $ 222,526 $ 60,000
Marion, Indiana 19 $ 2,360,000 $ 124,210 $ 58,000
Pike, Kentucky 19 $ 1,953,000 $ 102,789 $ 43,000
Virginia Beach, Virginia 19 $ 3,690,000 $ 194,210 $ 87,000
Volusia, Florida 18 $ 2,378,000 $ 132,111 $ 60,000
Cook, Illinois 18 $ 2,729,000 $ 151,611 $ 59,000
Christian, Missouri 18 $ 1,915,000 $ 106,388 $ 51,000
Shelby, Tennessee 18 $ 2,134,000 $ 118,555 $ 43,000
Hart, Georgia 17 $ 1,611,000 $ 94,764 $ 44,000
Tuscaloosa, Alabama 16 $ 1,987,000 $ 124,187 $ 51,000
Johnson, Kentucky 15 $ 1,630,000 $ 108,666 $ 53,000
St. Louis, Missouri 15 $ 1,878,000 $ 125,200 $ 74,000
Palm Beach, Florida 14 $ 3,373,000 $ 240,928 $ 100,000
Fayette, Georgia 14 $ 2,632,000 $ 188,000 $ 75,000
Forsyth, Georgia 14 $ 3,691,000 $ 263,642 $ 121,000
Jackson, Georgia 14 $ 1,647,000 $ 117,642 $ 45,000
Walker, Georgia 14 $ 2,099,000 $ 149,928 $ 72,000
Powell, Kentucky 14 $ 1,143,000 $ 81,642 $ 36,000
East Baton Rouge, Louisiana 14 $ 2,816,000 $ 201,142 $ 103,000
Fairfax, Virginia 14 $ 5,260,000 $ 375,714 $ 108,000
Escambia, Florida 13 $ 1,366,000 $ 105,076 $ 55,000
Pinellas, Florida 13 $ 1,461,000 $ 112,384 $ 48,000
Sarasota, Florida 13 $ 2,266,000 $ 174,307 $ 116,000
Colbert, Alabama 12 $ 953,000 $ 79,416 $ 46,000
Madison, Alabama 12 $ 1,775,000 $ 147,916 $ 61,000
Stanislaus, California 12 $ 2,481,000 $ 206,750 $ 67,000
White, Georgia 12 $ 1,763,000 $ 146,916 $ 79,000
Taney, Missouri 12 $ 1,617,000 $ 134,750 $ 57,000
Davidson, Tennessee 12 $ 1,341,000 $ 111,750 $ 64,000
Pierce, Washington 12 $ 1,674,000 $ 139,500 $ 68,000
Maricopa, Arizona 11 $ 3,522,000 $ 320,181 $ 125,000
Catoosa, Georgia 11 $ 1,169,000 $ 106,272 $ 47,000
Thurston, Washington 11 $ 1,531,000 $ 139,181 $ 70,000
Polk, Florida 10 $ 1,241,000 $ 124,100 $ 60,000
Bartow, Georgia 10 $ 1,345,000 $ 134,500 $ 54,000
Muscogee, Georgia 10 $ 882,000 $ 88,200 $ 66,000
Newton, Georgia 10 $ 1,924,000 $ 192,400 $ 58,000
Clark, Kentucky 10 $ 982,000 $ 98,200 $ 68,000
Jefferson, Kentucky 10 $ 1,364,000 $ 136,400 $ 62,000
Jefferson, Louisiana 10 $ 1,085,000 $ 108,500 $ 53,000
King, Washington 10 $ 2,476,000 $ 247,600 $ 173,000
Bibb, Georgia 9 $ 924,000 $ 102,666 $ 55,000
Whitfield, Georgia 9 $ 1,510,000 $ 167,777 $ 48,000
Tangipahoa, Louisiana 9 $ 957,000 $ 106,333 $ 46,000
San Diego, California 8 $ 2,825,000 $ 353,125 $ 132,000
Leon, Florida 8 $ 895,000 $ 111,875 $ 57,000
Barrow, Georgia 8 $ 866,000 $ 108,250 $ 47,000
Columbia, Georgia 8 $ 1,213,000 $ 151,625 $ 59,000
Habersham, Georgia 8 $ 893,000 $ 111,625 $ 65,000
Rockdale, Georgia 8 $ 1,228,000 $ 153,500 $ 56,000
Livingston, Louisiana 8 $ 902,000 $ 112,750 $ 63,000
Wayne, Michigan 8 $ 838,000 $ 104,750 $ 66,000
Wake, North Carolina 8 $ 1,301,000 $ 162,625 $ 51,000
Aiken, South Carolina 8 $ 862,000 $ 107,750 $ 54,000
Blount, Tennessee 8 $ 1,207,000 $ 150,875 $ 65,000
Bradley, Tennessee 8 $ 656,000 $ 82,000 $ 37,000
Salt Lake, Utah 8 $ 1,389,000 $ 173,625 $ 48,000
Norfolk, Virginia 8 $ 736,000 $ 92,000 $ 84,000
Portsmouth, Virginia 8 $ 1,059,000 $ 132,375 $ 40,000
Richmond City, Virginia 8 $ 849,000 $ 106,125 $ 48,000
Jefferson, Colorado 7 $ 661,000 $ 94,428 $ 52,000
Lake, Florida 7 $ 784,000 $ 112,000 $ 109,000
Lee, Florida 7 $ 1,542,000 $ 220,285 $ 91,000
Pasco, Florida 7 $ 1,479,000 $ 211,285 $ 76,000
Seminole, Florida 7 $ 1,648,000 $ 235,428 $ 129,000
Coweta, Georgia 7 $ 829,000 $ 118,428 $ 59,000
Paulding, Georgia 7 $ 921,000 $ 131,571 $ 114,000
Pickens, Georgia 7 $ 853,000 $ 121,857 $ 52,000
Troup, Georgia 7 $ 599,000 $ 85,571 $ 66,000
Webster, Louisiana 7 $ 445,000 $ 63,571 $ 40,000
Douglas, Missouri 7 $ 340,000 $ 48,571 $ 31,000
Jackson, Missouri 7 $ 571,000 $ 81,571 $ 70,000
Jefferson, Missouri 7 $ 822,000 $ 117,428 $ 49,000
St. Francois, Missouri 7 $ 521,000 $ 74,428 $ 36,000
Wilson, Tennessee 7 $ 696,000 $ 99,428 $ 105,000
Newport News, Virginia 7 $ 894,000 $ 127,714 $ 61,000
Prince William, Virginia 7 $ 1,259,000 $ 179,857 $ 64,000
Elmore, Alabama 6 $ 621,000 $ 103,500 $ 41,000
Shelby, Alabama 6 $ 390,000 $ 65,000 $ 61,000
Riverside, California 6 $ 1,577,000 $ 262,833 $ 112,000
Sacramento, California 6 $ 1,387,000 $ 231,166 $ 156,000
Citrus, Florida 6 $ 993,000 $ 165,500 $ 55,000
St. Lucie, Florida 6 $ 942,000 $ 157,000 $ 289,000
Banks, Georgia 6 $ 834,000 $ 139,000 $ 44,000
Dougherty, Georgia 6 $ 643,000 $ 107,166 $ 61,000
Douglas, Georgia 6 $ 989,000 $ 164,833 $ 77,000
Madison, Illinois 6 $ 712,000 $ 118,666 $ 34,000
Madison, Kentucky 6 $ 698,000 $ 116,333 $ 72,000
Montgomery, Kentucky 6 $ 451,000 $ 75,166 $ 33,000
Orleans, Louisiana 6 $ 675,000 $ 112,500 $ 41,000
Jasper, Missouri 6 $ 426,000 $ 71,000 $ 37,000
St. Charles, Missouri 6 $ 1,565,000 $ 260,833 $ 37,000
Hardeman, Tennessee 6 $ 662,000 $ 110,333 $ 35,000
Knox, Tennessee 6 $ 680,000 $ 113,333 $ 37,000
Utah, Utah 6 $ 1,602,000 $ 267,000 $ 58,000
Albemarle, Virginia 6 $ 1,569,000 $ 261,500 $ 101,000
Chesapeake, Virginia 6 $ 951,000 $ 158,500 $ 49,000
Chesterfield, Virginia 6 $ 876,000 $ 146,000 $ 59,000
Loudoun, Virginia 6 $ 1,255,000 $ 209,166 $ 83,000
Dallas, Alabama 5 $ 347,000 $ 69,400 $ 47,000
Manatee, Florida 5 $ 428,000 $ 85,600 $ 26,000
Dawson, Georgia 5 $ 984,000 $ 196,800 $ 134,000
Gordon, Georgia 5 $ 680,000 $ 136,000 $ 98,000
Adair, Kentucky 5 $ 346,000 $ 69,200 $ 33,000
Boyd, Kentucky 5 $ 483,000 $ 96,600 $ 71,000
Estill, Kentucky 5 $ 417,000 $ 83,400 $ 39,000
Boone, Missouri 5 $ 667,000 $ 133,400 $ 47,000
Clay, Missouri 5 $ 792,000 $ 158,400 $ 65,000
Cabarrus, North Carolina 5 $ 339,000 $ 67,800 $ 53,000
Tooele, Utah 5 $ 692,000 $ 138,400 $ 45,000
Mason, Washington 5 $ 382,000 $ 76,400 $ 51,000
Calhoun, Alabama 4 $ 258,000 $ 64,500 $ 48,000
Houston, Alabama 4 $ 394,000 $ 98,500 $ 54,000
Marengo, Alabama 4 $ 534,000 $ 133,500 $ 68,000
Contra Costa, California 4 $ 948,000 $ 237,000 $ 112,000
Orange, California 4 $ 1,107,000 $ 276,750 $ 13,000
San Luis Obispo, California 4 $ 987,000 $ 246,750 $ 267,000
Mesa, Colorado 4 $ 314,000 $ 78,500 $ 27,000
Pueblo, Colorado 4 $ 669,000 $ 167,250 $ 131,000
Walton, Florida 4 $ 1,397,000 $ 349,250 $ 48,000
Chatham, Georgia 4 $ 514,000 $ 128,500 $ 122,000
Floyd, Georgia 4 $ 317,000 $ 79,250 $ 39,000
Ada, Idaho 4 $ 1,003,000 $ 250,750 $ 93,000
Boone, Illinois 4 $ 1,040,000 $ 260,000 $ 240,000
Hamilton, Indiana 4 $ 907,000 $ 226,750 $ 75,000
Knott, Kentucky 4 $ 257,000 $ 64,250 $ 35,000
Mercer, Kentucky 4 $ 310,000 $ 77,500 $ 46,000
Perry, Kentucky 4 $ 295,000 $ 73,750 $ 39,000
Shelby, Kentucky 4 $ 455,000 $ 113,750 $ 38,000
Terrebonne, Louisiana 4 $ 350,000 $ 87,500 $ 47,000
Montgomery, Maryland 4 $ 1,379,000 $ 344,750 $ 127,000
Scott, Missouri 4 $ 267,000 $ 66,750 $ 35,000
Stone, Missouri 4 $ 371,000 $ 92,750 $ 29,000
Beaufort, South Carolina 4 $ 461,000 $ 115,250 $ 65,000
Orangeburg, South Carolina 4 $ 325,000 $ 81,250 $ 36,000
Richland, South Carolina 4 $ 388,000 $ 97,000 $ 38,000
Madison, Tennessee 4 $ 491,000 $ 122,750 $ 62,000
Marion, Tennessee 4 $ 432,000 $ 108,000 $ 41,000
Henrico, Virginia 4 $ 553,000 $ 138,250 $ 51,000
Washington, Virginia 4 $ 317,000 $ 79,250 $ 50,000
Covington, Alabama 3 $ 230,000 $ 76,666 $ 37,000
Escambia, Alabama 3 $ 707,000 $ 235,666 $ 124,000
Etowah, Alabama 3 $ 374,000 $ 124,666 $ 96,000
Lawrence, Alabama 3 $ 384,000 $ 128,000 $ 42,000
Randolph, Alabama 3 $ 365,000 $ 121,666 $ 74,000
Russell, Alabama 3 $ 281,000 $ 93,666 $ 26,000
Los Angeles, California 3 $ 768,000 $ 256,000 $ 135,000
Santa Barbara, California 3 $ 607,000 $ 202,333 $ 117,000
Gunnison, Colorado 3 $ 357,000 $ 119,000 $ 16,000
Clay, Florida 3 $ 406,000 $ 135,333 $ 59,000
Okaloosa, Florida 3 $ 411,000 $ 137,000 $ 100,000
Santa Rosa, Florida 3 $ 427,000 $ 142,333 $ 54,000
St. Johns, Florida 3 $ 494,000 $ 164,666 $ 45,000
Franklin, Georgia 3 $ 280,000 $ 93,333 $ 35,000
Lee, Georgia 3 $ 385,000 $ 128,333 $ 66,000
Lowndes, Georgia 3 $ 613,000 $ 204,333 $ 63,000
Stephens, Georgia 3 $ 362,000 $ 120,666 $ 65,000
Walton, Georgia 3 $ 231,000 $ 77,000 $ 40,000
St. Clair, Illinois 3 $ 234,000 $ 78,000 $ 35,000
Hendricks, Indiana 3 $ 470,000 $ 156,666 $ 64,000
Kosciusko, Indiana 3 $ 206,000 $ 68,666 $ 33,000
Sedgwick, Kansas 3 $ 579,000 $ 193,000 $ 93,000
Garrard, Kentucky 3 $ 303,000 $ 101,000 $ 58,000
Harrison, Kentucky 3 $ 197,000 $ 65,666 $ 32,000
Jessamine, Kentucky 3 $ 517,000 $ 172,333 $ 54,000
Lawrence, Kentucky 3 $ 221,000 $ 73,666 $ 41,000
Magoffin, Kentucky 3 $ 325,000 $ 108,333 $ 43,000
Morgan, Kentucky 3 $ 413,000 $ 137,666 $ 44,000
Rowan, Kentucky 3 $ 411,000 $ 137,000 $ 38,000
Macomb, Michigan 3 $ 267,000 $ 89,000 $ 82,000
Oakland, Michigan 3 $ 864,000 $ 288,000 $ 292,000
Iron, Missouri 3 $ 182,000 $ 60,666 $ 53,000
Guilford, North Carolina 3 $ 294,000 $ 98,000 $ 60,000
Lexington, South Carolina 3 $ 408,000 $ 136,000 $ 68,000
Fayette, Tennessee 3 $ 368,000 $ 122,666 $ 64,000
Loudon, Tennessee 3 $ 376,000 $ 125,333 $ 31,000
Washington, Utah 3 $ 571,000 $ 190,333 $ 76,000
Louisa, Virginia 3 $ 286,000 $ 95,333 $ 39,000
Spotsylvania, Virginia 3 $ 462,000 $ 154,000 $ 75,000
Waynesboro, Virginia 3 $ 250,000 $ 83,333 $ 45,000
York, Virginia 3 $ 581,000 $ 193,666 $ 54,000
Barbour, Alabama 2 $ 125,000 $ 62,500 $ 40,000
Chilton, Alabama 2 $ 356,000 $ 178,000 $ 49,000
Hale, Alabama 2 $ 225,000 $ 112,500 $ 59,000
Walker, Alabama 2 $ 115,000 $ 57,500 $ 42,000
Kern, California 2 $ 296,000 $ 148,000 $ 56,000
Kings, California 2 $ 173,000 $ 86,500 $ 42,000
Santa Clara, California 2 $ 619,000 $ 309,500 $ 94,000
Adams, Colorado 2 $ 260,000 $ 130,000 $ 46,000
Boulder, Colorado 2 $ 556,000 $ 278,000 $ 196,000
Alachua, Florida 2 $ 238,000 $ 119,000 $ 34,000
Bay, Florida 2 $ 1,120,000 $ 560,000 $ 204,000
Flagler, Florida 2 $ 280,000 $ 140,000 $ 81,000
Nassau, Florida 2 $ 339,000 $ 169,500 $ 70,000
Burke, Georgia 2 $ 283,000 $ 141,500 $ 74,000
Butts, Georgia 2 $ 173,000 $ 86,500 $ 37,000
Coffee, Georgia 2 $ 126,000 $ 63,000 $ 42,000
Dade, Georgia 2 $ 275,000 $ 137,500 $ 180,000
Gilmer, Georgia 2 $ 161,000 $ 80,500 $ 60,000
Lumpkin, Georgia 2 $ 279,000 $ 139,500 $ 123,000
Madison, Georgia 2 $ 445,000 $ 222,500 $ 104,000
Murray, Georgia 2 $ 269,000 $ 134,500 $ 41,000
Oconee, Georgia 2 $ 250,000 $ 125,000 $ 73,000
Rabun, Georgia 2 $ 381,000 $ 190,500 $ 111,000
Tift, Georgia 2 $ 422,000 $ 211,000 $ 47,000
Twiggs, Georgia 2 $ 190,000 $ 95,000 $ 45,000
Worth, Georgia 2 $ 170,000 $ 85,000 $ 57,000
Bonneville, Idaho 2 $ 220,000 $ 110,000 $ 90,000
Canyon, Idaho 2 $ 116,000 $ 58,000 $ 46,000
Madison, Idaho 2 $ 154,000 $ 77,000 $ 78,000
Teton, Idaho 2 $ 132,000 $ 66,000 $ 72,000
Twin Falls, Idaho 2 $ 163,000 $ 81,500 $ 30,000
Bond, Illinois 2 $ 483,000 $ 241,500 $ 82,000
Winnebago, Illinois 2 $ 246,000 $ 123,000 $ 80,000
Allen, Indiana 2 $ 307,000 $ 153,500 $ 65,000
Elkhart, Indiana 2 $ 228,000 $ 114,000 $ 52,000
Howard, Indiana 2 $ 137,000 $ 68,500 $ 46,000
Steuben, Indiana 2 $ 209,000 $ 104,500 $ 33,000
Vigo, Indiana 2 $ 146,000 $ 73,000 $ 29,000
Whitley, Indiana 2 $ 274,000 $ 137,000 $ 64,000
Allen, Kentucky 2 $ 95,000 $ 47,500 $ 41,000
Barren, Kentucky 2 $ 140,000 $ 70,000 $ 33,000
Clay, Kentucky 2 $ 234,000 $ 117,000 $ 43,000
Green, Kentucky 2 $ 108,000 $ 54,000 $ 42,000
Letcher, Kentucky 2 $ 113,000 $ 56,500 $ 23,000
Martin, Kentucky 2 $ 136,000 $ 68,000 $ 26,000
Meade, Kentucky 2 $ 138,000 $ 69,000 $ 31,000
Pulaski, Kentucky 2 $ 169,000 $ 84,500 $ 38,000
Taylor, Kentucky 2 $ 161,000 $ 80,500 $ 36,000
Wolfe, Kentucky 2 $ 223,000 $ 111,500 $ 40,000
Lafayette, Louisiana 2 $ 132,000 $ 66,000 $ 25,000
Lafourche, Louisiana 2 $ 154,000 $ 77,000 $ 46,000
St. John the Baptist, Louisiana 2 $ 254,000 $ 127,000 $ 58,000
Baltimore, Maryland 2 $ 357,000 $ 178,500 $ 56,000
Baltimore City, Maryland 2 $ 784,000 $ 392,000 $ 49,000
Charles, Maryland 2 $ 603,000 $ 301,500 $ 74,000
Genesee, Michigan 2 $ 400,000 $ 200,000 $ 150,000
Lawrence, Missouri 2 $ 206,000 $ 103,000 $ 39,000
Newton, Missouri 2 $ 274,000 $ 137,000 $ 68,000
St. Louis City, Missouri 2 $ 200,000 $ 100,000 $ 85,000
Ste. Genevieve, Missouri 2 $ 215,000 $ 107,500 $ 51,000
Hertford, North Carolina 2 $ 67,000 $ 33,500 $ 32,000
Mecklenburg, North Carolina 2 $ 790,000 $ 395,000 $ 320,000
New Hanover, North Carolina 2 $ 492,000 $ 246,000 $ 87,000
Pitt, North Carolina 2 $ 186,000 $ 93,000 $ 139,000
Berkeley, South Carolina 2 $ 182,000 $ 91,000 $ 48,000
Edgefield, South Carolina 2 $ 253,000 $ 126,500 $ 58,000
Dickson, Tennessee 2 $ 110,000 $ 55,000 $ 54,000
Dyer, Tennessee 2 $ 126,000 $ 63,000 $ 30,000
Gibson, Tennessee 2 $ 145,000 $ 72,500 $ 49,000
Montgomery, Tennessee 2 $ 146,000 $ 73,000 $ 46,000
Polk, Tennessee 2 $ 134,000 $ 67,000 $ 33,000
Roane, Tennessee 2 $ 151,000 $ 75,500 $ 26,000
Rutherford, Tennessee 2 $ 426,000 $ 213,000 $ 63,000
Williamson, Tennessee 2 $ 260,000 $ 130,000 $ 90,000
Arlington, Virginia 2 $ 665,000 $ 332,500 $ 0
Augusta, Virginia 2 $ 229,000 $ 114,500 $ 53,000
Greene, Virginia 2 $ 358,000 $ 179,000 $ 48,000
Greensville, Virginia 2 $ 262,000 $ 131,000 $ 36,000
James City, Virginia 2 $ 340,000 $ 170,000 $ 45,000
Manassas, Virginia 2 $ 441,000 $ 220,500 $ 0
Nottoway, Virginia 2 $ 150,000 $ 75,000 $ 50,000
Pulaski, Virginia 2 $ 116,000 $ 58,000 $ 73,000
Suffolk, Virginia 2 $ 476,000 $ 238,000 $ 78,000
Franklin, Washington 2 $ 134,000 $ 67,000 $ 47,000
Kitsap, Washington 2 $ 404,000 $ 202,000 $ 61,000
Spokane, Washington 2 $ 85,000 $ 42,500 $ 53,000
Natrona, Wyoming 2 $ 160,000 $ 80,000 $ 28,000
Sheridan, Wyoming 2 $ 736,000 $ 368,000 $ 22,000
Teton, Wyoming 2 $ 487,000 $ 243,500 $ 68,000
Autauga, Alabama 1 $ 121,000 $ 121,000 $ 47,000
Bibb, Alabama 1 $ 81,000 $ 81,000 $ 29,000
Chambers, Alabama 1 $ 65,000 $ 65,000 $ 40,000
Cherokee, Alabama 1 $ 55,000 $ 55,000 $ 24,000
Coffee, Alabama 1 $ 117,000 $ 117,000 $ 48,000
Cullman, Alabama 1 $ 162,000 $ 162,000 $ 60,000
Dale, Alabama 1 $ 107,000 $ 107,000 $ 88,000
DeKalb, Alabama 1 $ 85,000 $ 85,000 $ 42,000
Fayette, Alabama 1 $ 65,000 $ 65,000 $ 18,000
Greene, Alabama 1 $ 61,000 $ 61,000 $ 49,000
Lowndes, Alabama 1 $ 98,000 $ 98,000 $ 47,000
Macon, Alabama 1 $ 37,000 $ 37,000 $ 120,000
Morgan, Alabama 1 $ 72,000 $ 72,000 $ 50,000
Perry, Alabama 1 $ 55,000 $ 55,000 $ 44,000
Pickens, Alabama 1 $ 71,000 $ 71,000 $ 30,000
St. Clair, Alabama 1 $ 70,000 $ 70,000 $ 33,000
Sumter, Alabama 1 $ 75,000 $ 75,000 $ 72,000
Talladega, Alabama 1 $ 155,000 $ 155,000 $ 77,000
Washington, Alabama 1 $ 71,000 $ 71,000 $ 79,000
Mohave, Arizona 1 $ 60,000 $ 60,000 $ 17,000
San Bernardino, California 1 $ 225,000 $ 225,000 $ 98,000
San Joaquin, California 1 $ 784,000 $ 784,000 $ 306,000
Alamosa, Colorado 1 $ 105,000 $ 105,000 $ 22,000
El Paso, Colorado 1 $ 135,000 $ 135,000 $ 37,000
Grand, Colorado 1 $ 227,000 $ 227,000 $ 60,000
Hendry, Florida 1 $ 216,000 $ 216,000 $ 93,000
Highlands, Florida 1 $ 125,000 $ 125,000 $ 155,000
Levy, Florida 1 $ 58,000 $ 58,000 $ 69,000
Monroe, Florida 1 $ 240,000 $ 240,000 $ 143,000
Berrien, Georgia 1 $ 55,000 $ 55,000 $ 43,000
Carroll, Georgia 1 $ 112,000 $ 112,000 $ 23,000
Elbert, Georgia 1 $ 115,000 $ 115,000 $ 72,000
Harris, Georgia 1 $ 153,000 $ 153,000 $ 144,000
Heard, Georgia 1 $ 58,000 $ 58,000 $ 69,000
Jefferson, Georgia 1 $ 55,000 $ 55,000 $ 35,000
Jenkins, Georgia 1 $ 383,000 $ 383,000 $ 192,000
Johnson, Georgia 1 $ 71,000 $ 71,000 $ 26,000
Jones, Georgia 1 $ 298,000 $ 298,000 $ 240,000
Lamar, Georgia 1 $ 180,000 $ 180,000 $ 79,000
Laurens, Georgia 1 $ 89,000 $ 89,000 $ 32,000
Morgan, Georgia 1 $ 298,000 $ 298,000 $ 78,000
Peach, Georgia 1 $ 50,000 $ 50,000 $ 19,000
Pike, Georgia 1 $ 120,000 $ 120,000 $ 54,000
Polk, Georgia 1 $ 53,000 $ 53,000 $ 60,000
Screven, Georgia 1 $ 80,000 $ 80,000 $ 64,000
Terrell, Georgia 1 $ 204,000 $ 204,000 $ 74,000
Toombs, Georgia 1 $ 93,000 $ 93,000 $ 25,000
Upson, Georgia 1 $ 67,000 $ 67,000 $ 43,000
Ware, Georgia 1 $ 188,000 $ 188,000 $ 114,000
Wilkinson, Georgia 1 $ 109,000 $ 109,000 $ 21,000
Bannock, Idaho 1 $ 121,000 $ 121,000 $ 57,000
Bonner, Idaho 1 $ 50,000 $ 50,000 $ 31,000
Valley, Idaho 1 $ 370,000 $ 370,000 $ 240,000
Christian, Illinois 1 $ 80,000 $ 80,000 $ 54,000
Jersey, Illinois 1 $ 267,000 $ 267,000 $ 90,000
McLean, Illinois 1 $ 120,000 $ 120,000 $ 61,000
Will, Illinois 1 $ 132,000 $ 132,000 $ 113,000
Adams, Indiana 1 $ 72,000 $ 72,000 $ 44,000
Bartholomew, Indiana 1 $ 143,000 $ 143,000 $ 60,000
Floyd, Indiana 1 $ 149,000 $ 149,000 $ 105,000
Grant, Indiana 1 $ 68,000 $ 68,000 $ 57,000
Lake, Indiana 1 $ 206,000 $ 206,000 $ 391,000
Marshall, Indiana 1 $ 88,000 $ 88,000 $ 44,000
Noble, Indiana 1 $ 88,000 $ 88,000 $ 29,000
Rush, Indiana 1 $ 95,000 $ 95,000 $ 70,000
St. Joseph, Indiana 1 $ 153,000 $ 153,000 $ 63,000
Starke, Indiana 1 $ 136,000 $ 136,000 $ 68,000
Vermillion, Indiana 1 $ 115,000 $ 115,000 $ 80,000
Wabash, Indiana 1 $ 140,000 $ 140,000 $ 68,000
Warren, Indiana 1 $ 50,000 $ 50,000 $ 16,000
Butler, Kansas 1 $ 72,000 $ 72,000 $ 75,000
Harper, Kansas 1 $ 70,000 $ 70,000 $ 40,000
Johnson, Kansas 1 $ 196,000 $ 196,000 $ 72,000
Shawnee, Kansas 1 $ 155,000 $ 155,000 $ 61,000
Wyandotte, Kansas 1 $ 98,000 $ 98,000 $ 49,000
Anderson, Kentucky 1 $ 106,000 $ 106,000 $ 53,000
Boyle, Kentucky 1 $ 130,000 $ 130,000 $ 77,000
Carter, Kentucky 1 $ 86,000 $ 86,000 $ 36,000
Casey, Kentucky 1 $ 75,000 $ 75,000 $ 25,000
Cumberland, Kentucky 1 $ 71,000 $ 71,000 $ 29,000
Edmonson, Kentucky 1 $ 166,000 $ 166,000 $ 60,000
Franklin, Kentucky 1 $ 150,000 $ 150,000 $ 42,000
Grant, Kentucky 1 $ 123,000 $ 123,000 $ 60,000
Greenup, Kentucky 1 $ 77,000 $ 77,000 $ 41,000
Harlan, Kentucky 1 $ 101,000 $ 101,000 $ 62,000
Henry, Kentucky 1 $ 150,000 $ 150,000 $ 42,000
Kenton, Kentucky 1 $ 75,000 $ 75,000 $ 45,000
Knox, Kentucky 1 $ 167,000 $ 167,000 $ 65,000
Larue, Kentucky 1 $ 65,000 $ 65,000 $ 25,000
Lincoln, Kentucky 1 $ 128,000 $ 128,000 $ 51,000
Lyon, Kentucky 1 $ 53,000 $ 53,000 $ 54,000
Marion, Kentucky 1 $ 80,000 $ 80,000 $ 19,000
Metcalfe, Kentucky 1 $ 95,000 $ 95,000 $ 35,000
Nelson, Kentucky 1 $ 131,000 $ 131,000 $ 54,000
Scott, Kentucky 1 $ 125,000 $ 125,000 $ 42,000
Washington, Kentucky 1 $ 125,000 $ 125,000 $ 77,000
Acadia, Louisiana 1 $ 130,000 $ 130,000 $ 70,000
Ascension, Louisiana 1 $ 51,000 $ 51,000 $ 33,000
Avoyelles, Louisiana 1 $ 133,000 $ 133,000 $ 27,000
Bossier, Louisiana 1 $ 54,000 $ 54,000 $ 41,000
Caddo, Louisiana 1 $ 76,000 $ 76,000 $ 21,000
Iberville, Louisiana 1 $ 68,000 $ 68,000 $ 24,000
Lincoln, Louisiana 1 $ 84,000 $ 84,000 $ 120,000
Plaquemines, Louisiana 1 $ 64,000 $ 64,000 $ 36,000
St. Bernard, Louisiana 1 $ 90,000 $ 90,000 $ 47,000
St. Tammany, Louisiana 1 $ 152,000 $ 152,000 $ 84,000
Vernon, Louisiana 1 $ 56,000 $ 56,000 $ 90,000
West Baton Rouge, Louisiana 1 $ 94,000 $ 94,000 $ 54,000
Anne Arundel, Maryland 1 $ 259,000 $ 259,000 $ 72,000
Calvert, Maryland 1 $ 377,000 $ 377,000 $ 154,000
Carroll, Maryland 1 $ 600,000 $ 600,000 $ 144,000
Cecil, Maryland 1 $ 133,000 $ 133,000 $ 42,000
Harford, Maryland 1 $ 130,000 $ 130,000 $ 60,000
Worcester, Maryland 1 $ 451,000 $ 451,000 $ 0
Cass, Michigan 1 $ 280,000 $ 280,000 $ 150,000
Clinton, Michigan 1 $ 292,000 $ 292,000 $ 108,000
Eaton, Michigan 1 $ 263,000 $ 263,000 $ 94,000
Grand Traverse, Michigan 1 $ 145,000 $ 145,000 $ 48,000
Jackson, Michigan 1 $ 81,000 $ 81,000 $ 156,000
Kalkaska, Michigan 1 $ 192,000 $ 192,000 $ 60,000
Livingston, Michigan 1 $ 244,000 $ 244,000 $ 150,000
Midland, Michigan 1 $ 77,000 $ 77,000 $ 31,000
Muskegon, Michigan 1 $ 163,000 $ 163,000 $ 41,000
Barry, Missouri 1 $ 61,000 $ 61,000 $ 22,000
Barton, Missouri 1 $ 84,000 $ 84,000 $ 29,000
Bates, Missouri 1 $ 164,000 $ 164,000 $ 315,000
Benton, Missouri 1 $ 104,000 $ 104,000 $ 38,000
Buchanan, Missouri 1 $ 98,000 $ 98,000 $ 48,000
Callaway, Missouri 1 $ 75,000 $ 75,000 $ 22,000
Cape Girardeau, Missouri 1 $ 50,000 $ 50,000 $ 26,000
Cass, Missouri 1 $ 156,000 $ 156,000 $ 36,000
Laclede, Missouri 1 $ 57,000 $ 57,000 $ 41,000
Mississippi, Missouri 1 $ 55,000 $ 55,000 $ 36,000
Pulaski, Missouri 1 $ 118,000 $ 118,000 $ 48,000
St. Clair, Missouri 1 $ 65,000 $ 65,000 $ 20,000
Stoddard, Missouri 1 $ 83,000 $ 83,000 $ 21,000
Washington, Missouri 1 $ 88,000 $ 88,000 $ 24,000
Churchill, Nevada 1 $ 150,000 $ 150,000 $ 156,000
Elko, Nevada 1 $ 159,000 $ 159,000 $ 58,000
Washoe, Nevada 1 $ 390,000 $ 390,000 $ 33,000
Buncombe, North Carolina 1 $ 33,000 $ 33,000 $ 53,000
Clay, North Carolina 1 $ 217,000 $ 217,000 $ 102,000
Craven, North Carolina 1 $ 200,000 $ 200,000 $ 139,000
Cumberland, North Carolina 1 $ 85,000 $ 85,000 $ 62,000
Durham, North Carolina 1 $ 135,000 $ 135,000 $ 46,000
Johnston, North Carolina 1 $ 86,000 $ 86,000 $ 53,000
Pender, North Carolina 1 $ 100,000 $ 100,000 $ 45,000
Washington, North Carolina 1 $ 116,000 $ 116,000 $ 51,000
Comanche, Oklahoma 1 $ 73,000 $ 73,000 $ 21,000
Creek, Oklahoma 1 $ 365,000 $ 365,000 $ 100,000
Garfield, Oklahoma 1 $ 100,000 $ 100,000 $ 55,000
Ottawa, Oklahoma 1 $ 93,000 $ 93,000 $ 48,000
Multnomah, Oregon 1 $ 165,000 $ 165,000 $ 50,000
Washington, Oregon 1 $ 178,000 $ 178,000 $ 57,000
Anderson, South Carolina 1 $ 112,000 $ 112,000 $ 24,000
Bamberg, South Carolina 1 $ 60,000 $ 60,000 $ 27,000
Barnwell, South Carolina 1 $ 140,000 $ 140,000 $ 40,000
Darlington, South Carolina 1 $ 68,000 $ 68,000 $ 26,000
Fairfield, South Carolina 1 $ 100,000 $ 100,000 $ 23,000
Florence, South Carolina 1 $ 150,000 $ 150,000 $ 60,000
Greenwood, South Carolina 1 $ 170,000 $ 170,000 $ 78,000
Horry, South Carolina 1 $ 210,000 $ 210,000 $ 100,000
Spartanburg, South Carolina 1 $ 87,000 $ 87,000 $ 30,000
Bledsoe, Tennessee 1 $ 60,000 $ 60,000 $ 97,000
Carter, Tennessee 1 $ 73,000 $ 73,000 $ 30,000
Chester, Tennessee 1 $ 81,000 $ 81,000 $ 90,000
Crockett, Tennessee 1 $ 125,000 $ 125,000 $ 42,000
Cumberland, Tennessee 1 $ 84,000 $ 84,000 $ 36,000
Fentress, Tennessee 1 $ 73,000 $ 73,000 $ 23,000
Hamblen, Tennessee 1 $ 64,000 $ 64,000 $ 90,000
Henderson, Tennessee 1 $ 104,000 $ 104,000 $ 69,000
Hickman, Tennessee 1 $ 81,000 $ 81,000 $ 42,000
Humphreys, Tennessee 1 $ 80,000 $ 80,000 $ 65,000
Jefferson, Tennessee 1 $ 147,000 $ 147,000 $ 59,000
Lauderdale, Tennessee 1 $ 198,000 $ 198,000 $ 115,000
McMinn, Tennessee 1 $ 68,000 $ 68,000 $ 29,000
Sequatchie, Tennessee 1 $ 82,000 $ 82,000 $ 30,000
Sumner, Tennessee 1 $ 150,000 $ 150,000 $ 48,000
Weber, Utah 1 $ 114,000 $ 114,000 $ 68,000
Charlottesville, Virginia 1 $ 80,000 $ 80,000 $ 51,000
Clarke, Virginia 1 $ 209,000 $ 209,000 $ 47,000
Danville, Virginia 1 $ 122,000 $ 122,000 $ 192,000
Fauquier, Virginia 1 $ 55,000 $ 55,000 $ 61,000
Fluvanna, Virginia 1 $ 71,000 $ 71,000 $ 64,000
Goochland, Virginia 1 $ 101,000 $ 101,000 $ 34,000
King George, Virginia 1 $ 300,000 $ 300,000 $ 102,000
Lynchburg, Virginia 1 $ 75,000 $ 75,000 $ 70,000
Montgomery, Virginia 1 $ 168,000 $ 168,000 $ 76,000
Orange, Virginia 1 $ 260,000 $ 260,000 $ 85,000
Pittsylvania, Virginia 1 $ 164,000 $ 164,000 $ 102,000
Prince George, Virginia 1 $ 146,000 $ 146,000 $ 71,000
Rockingham, Virginia 1 $ 37,000 $ 37,000 $ 51,000
Shenandoah, Virginia 1 $ 200,000 $ 200,000 $ 59,000
Winchester, Virginia 1 $ 280,000 $ 280,000 $ 52,000
San Juan, Washington 1 $ 638,000 $ 638,000 $ 168,000
Snohomish, Washington 1 $ 596,000 $ 596,000 $ 234,000
Walla Walla, Washington 1 $ 121,000 $ 121,000 $ 54,000
Whatcom, Washington 1 $ 293,000 $ 293,000 $ 173,000
Yakima, Washington 1 $ 135,000 $ 135,000 $ 71,000
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Mortgage Loan Application Detail Totals for Choice Capital Funding Inc. 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 2,343 $334,775,000 $154,137 $979,000 $71,275 $1,140,000
Refinancing 1,831 $268,116,000 $176,862 $990,000 $72,379 $537,000
Home Improvement 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
White 2,127 $303,115,000 $191,185 $990,000 $82,333 $1,140,000
Black or African American 1,047 $142,944,000 $150,666 $893,000 $57,857 $360,000
Not Provided 590 $86,467,000 $132,629 $910,000 $61,296 $537,000
Hispanic 298 $49,668,000 $139,400 $979,000 $77,250 $464,000
Asian 74 $14,684,000 $180,642 $911,000 $107,214 $384,000
Native Hawaiian or Other Pacific Islander 28 $4,696,000 $148,875 $528,000 $60,125 $130,000
American Indian or Alaskan Native 10 $1,317,000 $129,800 $252,000 $74,800 $138,000
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) 4,174 $602,891,000 $174,875 $990,000 $72,187 $1,140,000
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 2,025 $274,732,000 $142,392 $990,000 $65,178 $548,000
Application Withdrawn By Applicant 1,639 $250,605,000 $199,000 $975,000 $73,580 $736,000
Application Denied By Financial Institution 459 $69,989,000 $158,130 $893,000 $76,434 $1,140,000
Application Approved But Not Accepted 40 $5,260,000 $143,222 $440,000 $60,777 $300,000
File Closed For Incompleteness 11 $2,305,000 $185,166 $738,000 $82,000 $336,000
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
Other 182 $27,103,000 $136,857 $767,000 $68,523 $1,140,000
Credit History 137 $20,082,000 $138,000 $570,000 $68,176 $537,000
Collateral 68 $12,581,000 $220,066 $893,000 $99,866 $384,000
Debt-To-Income Ratio 51 $7,128,000 $135,437 $415,000 $48,187 $576,000
Unverifiable Information 10 $1,583,000 $169,666 $298,000 $56,500 $75,000
Employment History 5 $827,000 $165,400 $282,000 $58,000 $120,000
Insufficient Cash (Downpayment, Closing Cost) 5 $553,000 $118,000 $156,000 $38,500 $54,000
Credit Application Incomplete 1 $132,000 $132,000 $132,000 $62,000 $62,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Choice Capital Funding Inc.'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 Choice Capital Funding Inc.'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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