Choice Capital Funding Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005

Choice Capital Funding Inc. 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 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 $165,500
Highest Mortgage Loan Application Amount $990,000
Average Applicant Income $71,827
Highest Applicant Income $1,140,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Choice Capital Funding Inc.. 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 Choice Capital Funding Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2005 breaks down Choice Capital Funding Inc.'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 Choice Capital Funding Inc. serves its applicants.

Each category highlights the total number of mortgage applications processed by Choice Capital Funding Inc., 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 Choice Capital Funding Inc.'s mortgage activity for 2005.

Mortgage Loan Application Totals for Choice Capital Funding Inc. by Metropolitan Area in 2005

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 524 $ 84,895,000 $ 162,000 $ 75,000
CHATTANOOGA, TN-GA 103 $ 12,054,000 $ 117,000 $ 55,000
ORLANDO, FL 90 $ 16,385,000 $ 182,000 $ 77,000
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 76 $ 11,001,000 $ 144,000 $ 66,000
MONTGOMERY, AL 66 $ 6,408,000 $ 97,000 $ 48,000
BIRMINGHAM-HOOVER, AL 65 $ 6,874,000 $ 105,000 $ 51,000
SPRINGFIELD, MO 52 $ 5,125,000 $ 98,000 $ 53,000
MIAMI-MIAMI BEACH-KENDALL, FL 49 $ 9,851,000 $ 201,000 $ 64,000
TAMPA-ST. PETERSBURG-CLEARWATER, FL 48 $ 6,747,000 $ 140,000 $ 63,000
LEXINGTON-FAYETTE, KY 43 $ 5,613,000 $ 130,000 $ 61,000
FLORENCE-MUSCLE SHOALS, AL 38 $ 3,622,000 $ 95,000 $ 47,000
MOBILE, AL 36 $ 5,086,000 $ 141,000 $ 61,000
OCALA, FL 35 $ 4,999,000 $ 142,000 $ 59,000
FRESNO, CA 33 $ 5,562,000 $ 168,000 $ 86,000
AUGUSTA-RICHMOND COUNTY, GA-SC 31 $ 3,459,000 $ 111,000 $ 55,000
GAINESVILLE, GA 31 $ 4,557,000 $ 147,000 $ 62,000
JACKSONVILLE, FL 31 $ 4,422,000 $ 142,000 $ 73,000
ST. LOUIS, MO-IL 31 $ 4,553,000 $ 146,000 $ 58,000
FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL 29 $ 6,055,000 $ 208,000 $ 77,000
NASHVILLE-DAVIDSON--MURFREESBORO, TN 27 $ 3,064,000 $ 113,000 $ 69,000
INDIANAPOLIS, IN 26 $ 3,737,000 $ 143,000 $ 63,000
BATON ROUGE, LA 25 $ 3,931,000 $ 157,000 $ 77,000
VISALIA-PORTERVILLE, CA 24 $ 3,338,000 $ 139,000 $ 75,000
NAPLES-MARCO ISLAND, FL 23 $ 4,157,000 $ 180,000 $ 98,000
RICHMOND, VA 23 $ 2,811,000 $ 122,000 $ 51,000
MEMPHIS, TN-MS-AR 21 $ 2,502,000 $ 119,000 $ 46,000
NEW ORLEANS-METAIRIE-KENNER, LA 21 $ 2,320,000 $ 110,000 $ 50,000
LAS VEGAS-PARADISE, NV 20 $ 4,037,000 $ 201,000 $ 74,000
CHICAGO-NAPERVILLE-JOLIET, IL 19 $ 2,861,000 $ 150,000 $ 64,000
PALM BAY-MELBOURNE-TITUSVILLE, FL 19 $ 4,228,000 $ 222,000 $ 60,000
TUSCALOOSA, AL 19 $ 2,273,000 $ 119,000 $ 52,000
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 18 $ 2,378,000 $ 132,000 $ 60,000
LOUISVILLE, KY-IN 18 $ 2,238,000 $ 124,000 $ 49,000
SARASOTA-BRADENTON-VENICE, FL 18 $ 2,694,000 $ 149,000 $ 96,000
KNOXVILLE, TN 17 $ 2,263,000 $ 133,000 $ 46,000
PENSACOLA-FERRY PASS-BRENT, FL 16 $ 1,793,000 $ 112,000 $ 54,000
KANSAS CITY, MO-KS 14 $ 1,683,000 $ 120,000 $ 92,000
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 14 $ 3,373,000 $ 240,000 $ 100,000
SALT LAKE CITY, UT 13 $ 2,081,000 $ 160,000 $ 46,000
ALBANY, GA 12 $ 1,402,000 $ 116,000 $ 63,000
HUNTSVILLE, AL 12 $ 1,775,000 $ 147,000 $ 61,000
MACON, GA 12 $ 1,412,000 $ 117,000 $ 70,000
MODESTO, CA 12 $ 2,481,000 $ 206,000 $ 67,000
TACOMA, WA 12 $ 1,674,000 $ 139,000 $ 68,000
COLUMBUS, GA-AL 11 $ 1,035,000 $ 94,000 $ 76,000
DALTON, GA 11 $ 1,779,000 $ 161,000 $ 46,000
OLYMPIA, WA 11 $ 1,531,000 $ 139,000 $ 70,000
PHOENIX-MESA-SCOTTSDALE, AZ 11 $ 3,522,000 $ 320,000 $ 125,000
SEATTLE-BELLEVUE-EVERETT, WA 11 $ 3,072,000 $ 279,000 $ 183,000
CHARLOTTESVILLE, VA 10 $ 2,078,000 $ 207,000 $ 73,000
CLEVELAND, TN 10 $ 790,000 $ 79,000 $ 36,000
LAKELAND, FL 10 $ 1,241,000 $ 124,000 $ 60,000
DENVER-AURORA, CO 9 $ 921,000 $ 102,000 $ 50,000
RALEIGH-CARY, NC 9 $ 1,387,000 $ 154,000 $ 51,000
COLUMBIA, SC 8 $ 896,000 $ 112,000 $ 47,000
DETROIT-LIVONIA-DEARBORN, MI 8 $ 838,000 $ 104,000 $ 66,000
JOPLIN, MO 8 $ 700,000 $ 87,000 $ 49,000
SAN DIEGO-CARLSBAD-SAN MARCOS, CA 8 $ 2,825,000 $ 353,000 $ 132,000
TALLAHASSEE, FL 8 $ 895,000 $ 111,000 $ 57,000
BALTIMORE-TOWSON, MD 7 $ 2,130,000 $ 304,000 $ 69,000
CAPE CORAL-FORT MYERS, FL 7 $ 1,542,000 $ 220,000 $ 91,000
CHARLOTTE-GASTONIA-CONCORD, NC-SC 7 $ 1,129,000 $ 161,000 $ 142,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 7 $ 1,802,000 $ 257,000 $ 110,000
WARREN-FARMINGTON HILLS-TROY, MI 7 $ 1,375,000 $ 196,000 $ 163,000
BOISE CITY-NAMPA, ID 6 $ 1,119,000 $ 186,000 $ 81,000
HOUMA-BAYOU CANE-THIBODAUX, LA 6 $ 504,000 $ 84,000 $ 46,000
PORT ST. LUCIE-FORT PIERCE, FL 6 $ 942,000 $ 157,000 $ 289,000
PROVO-OREM, UT 6 $ 1,602,000 $ 267,000 $ 58,000
ROCKFORD, IL 6 $ 1,286,000 $ 214,000 $ 160,000
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA 6 $ 1,387,000 $ 231,000 $ 156,000
COLUMBIA, MO 5 $ 667,000 $ 133,000 $ 47,000
JACKSON, TN 5 $ 572,000 $ 114,000 $ 67,000
ANNISTON-OXFORD, AL 4 $ 258,000 $ 64,000 $ 48,000
ATHENS-CLARKE COUNTY, GA 4 $ 695,000 $ 173,000 $ 94,000
BETHESDA-FREDERICK-GAITHERSBURG, MD 4 $ 1,379,000 $ 344,000 $ 127,000
DECATUR, AL 4 $ 456,000 $ 114,000 $ 44,000
DOTHAN, AL 4 $ 394,000 $ 98,000 $ 54,000
FORT WAYNE, IN 4 $ 581,000 $ 145,000 $ 65,000
GRAND JUNCTION, CO 4 $ 314,000 $ 78,000 $ 27,000
OAKLAND-FREMONT-HAYWARD, CA 4 $ 948,000 $ 237,000 $ 112,000
PUEBLO, CO 4 $ 669,000 $ 167,000 $ 131,000
ROME, GA 4 $ 317,000 $ 79,000 $ 39,000
SAN LUIS OBISPO-PASO ROBLES, CA 4 $ 987,000 $ 246,000 $ 267,000
SANTA ANA-ANAHEIM-IRVINE, CA 4 $ 1,107,000 $ 276,000 $ 13,000
SAVANNAH, GA 4 $ 514,000 $ 128,000 $ 122,000
WICHITA, KS 4 $ 651,000 $ 162,000 $ 87,000
BLACKSBURG-CHRISTIANSBURG-RADFORD, VA 3 $ 284,000 $ 94,000 $ 74,000
FORT WALTON BEACH-CRESTVIEW-DESTIN, FL 3 $ 411,000 $ 137,000 $ 100,000
GADSDEN, AL 3 $ 374,000 $ 124,000 $ 96,000
GREENSBORO-HIGH POINT, NC 3 $ 294,000 $ 98,000 $ 60,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 3 $ 768,000 $ 256,000 $ 135,000
SANTA BARBARA-SANTA MARIA-GOLETA, CA 3 $ 607,000 $ 202,000 $ 117,000
ST. GEORGE, UT 3 $ 571,000 $ 190,000 $ 76,000
TERRE HAUTE, IN 3 $ 261,000 $ 87,000 $ 46,000
VALDOSTA, GA 3 $ 613,000 $ 204,000 $ 63,000
WILMINGTON, NC 3 $ 592,000 $ 197,000 $ 66,000
BAKERSFIELD, CA 2 $ 296,000 $ 148,000 $ 56,000
BOULDER, CO 2 $ 556,000 $ 278,000 $ 196,000
BREMERTON-SILVERDALE, WA 2 $ 404,000 $ 202,000 $ 61,000
CASPER, WY 2 $ 160,000 $ 80,000 $ 28,000
CHARLESTON-NORTH CHARLESTON, SC 2 $ 182,000 $ 91,000 $ 48,000
CLARKSVILLE, TN-KY 2 $ 146,000 $ 73,000 $ 46,000
DANVILLE, VA 2 $ 286,000 $ 143,000 $ 147,000
ELKHART-GOSHEN, IN 2 $ 228,000 $ 114,000 $ 52,000
FLINT, MI 2 $ 400,000 $ 200,000 $ 150,000
FLORENCE, SC 2 $ 218,000 $ 109,000 $ 43,000
GAINESVILLE, FL 2 $ 238,000 $ 119,000 $ 34,000
GREENVILLE, NC 2 $ 186,000 $ 93,000 $ 139,000
HANFORD-CORCORAN, CA 2 $ 173,000 $ 86,000 $ 42,000
IDAHO FALLS, ID 2 $ 220,000 $ 110,000 $ 90,000
KENNEWICK-RICHLAND-PASCO, WA 2 $ 134,000 $ 67,000 $ 47,000
KOKOMO, IN 2 $ 137,000 $ 68,000 $ 46,000
LAFAYETTE, LA 2 $ 132,000 $ 66,000 $ 25,000
LANSING-EAST LANSING, MI 2 $ 555,000 $ 277,000 $ 101,000
MORRISTOWN, TN 2 $ 211,000 $ 105,000 $ 74,000
PANAMA CITY-LYNN HAVEN, FL 2 $ 1,120,000 $ 560,000 $ 204,000
PORTLAND-VANCOUVER-BEAVERTON, OR-WA 2 $ 343,000 $ 171,000 $ 53,000
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 2 $ 619,000 $ 309,000 $ 94,000
SHREVEPORT-BOSSIER CITY, LA 2 $ 130,000 $ 65,000 $ 31,000
SPOKANE, WA 2 $ 85,000 $ 42,000 $ 53,000
ANDERSON, SC 1 $ 112,000 $ 112,000 $ 24,000
ASHEVILLE, NC 1 $ 33,000 $ 33,000 $ 53,000
BELLINGHAM, WA 1 $ 293,000 $ 293,000 $ 173,000
BLOOMINGTON-NORMAL, IL 1 $ 120,000 $ 120,000 $ 61,000
BOWLING GREEN, KY 1 $ 166,000 $ 166,000 $ 60,000
COLORADO SPRINGS, CO 1 $ 135,000 $ 135,000 $ 37,000
COLUMBUS, IN 1 $ 143,000 $ 143,000 $ 60,000
DURHAM, NC 1 $ 135,000 $ 135,000 $ 46,000
ELIZABETHTOWN, KY 1 $ 65,000 $ 65,000 $ 25,000
FAYETTEVILLE, NC 1 $ 85,000 $ 85,000 $ 62,000
GARY, IN 1 $ 206,000 $ 206,000 $ 391,000
HARRISONBURG, VA 1 $ 37,000 $ 37,000 $ 51,000
JACKSON, MI 1 $ 81,000 $ 81,000 $ 156,000
JEFFERSON CITY, MO 1 $ 75,000 $ 75,000 $ 22,000
JOHNSON CITY, TN 1 $ 73,000 $ 73,000 $ 30,000
LAWTON, OK 1 $ 73,000 $ 73,000 $ 21,000
LYNCHBURG, VA 1 $ 75,000 $ 75,000 $ 70,000
MUSKEGON-NORTON SHORES, MI 1 $ 163,000 $ 163,000 $ 41,000
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC 1 $ 210,000 $ 210,000 $ 100,000
OGDEN-CLEARFIELD, UT 1 $ 114,000 $ 114,000 $ 68,000
POCATELLO, ID 1 $ 121,000 $ 121,000 $ 57,000
RENO-SPARKS, NV 1 $ 390,000 $ 390,000 $ 33,000
SOUTH BEND-MISHAWAKA, IN-MI 1 $ 153,000 $ 153,000 $ 63,000
SPARTANBURG, SC 1 $ 87,000 $ 87,000 $ 30,000
ST. JOSEPH, MO-KS 1 $ 98,000 $ 98,000 $ 48,000
STOCKTON, CA 1 $ 784,000 $ 784,000 $ 306,000
TOPEKA, KS 1 $ 155,000 $ 155,000 $ 61,000
TULSA, OK 1 $ 365,000 $ 365,000 $ 100,000
WINCHESTER, VA-WV 1 $ 280,000 $ 280,000 $ 52,000
YAKIMA, WA 1 $ 135,000 $ 135,000 $ 71,000

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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