De Capital Mortgage, LLC Mortgage Lending & HMDA Data, 2014
In 2014, De Capital Mortgage, LLC of Winston-Salem, NC reported 98 mortgage applications totaling $32.3 million, down 85% from 2013. The average application was for $329,918, and applicants reported an average income of $158,081. 61% of its applications resulted in an originated loan and 32% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (59), Nassau County-Suffolk County, NY (37) and Dutchess County-Putnam County, NY (1) (applications in parentheses).
| Mortgage Company & Address | De Capital Mortgage, LLC 100 N Main Street Mac D4001-063 Winston-Salem, NC 27150 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 98 |
| Total Mortgage Loan Application Amount | $32,332,000 |
| Average Mortgage Loan Application Amount | $329,918 |
| Highest Mortgage Loan Application Amount | $801,000 |
| Average Applicant Income | $158,081 |
| Highest Applicant Income | $1,020,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records De Capital Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kings, New York | 25 | $ 8,295,000 | $ 331,800 | $ 196,000 |
| Suffolk, New York | 19 | $ 6,017,000 | $ 316,684 | $ 157,000 |
| Nassau, New York | 18 | $ 5,951,000 | $ 330,611 | $ 119,000 |
| Queens, New York | 14 | $ 4,463,000 | $ 318,785 | $ 109,000 |
| New York, New York | 10 | $ 3,515,000 | $ 351,500 | $ 180,000 |
| Westchester, New York | 4 | $ 1,752,000 | $ 438,000 | $ 239,000 |
| Bronx, New York | 2 | $ 972,000 | $ 486,000 | $ 204,000 |
| Middlesex, New Jersey | 1 | $ 239,000 | $ 239,000 | $ 61,000 |
| Monmouth, New Jersey | 1 | $ 199,000 | $ 199,000 | $ 265,000 |
| Delaware, New York | 1 | $ 152,000 | $ 152,000 | $ 65,000 |
| Dutchess, New York | 1 | $ 225,000 | $ 225,000 | $ 217,000 |
| Orange, New York | 1 | $ 302,000 | $ 302,000 | $ 75,000 |
| Richmond, New York | 1 | $ 250,000 | $ 250,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for De Capital Mortgage, LLC in 2014
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 | 94 | $31,001,000 | $329,000 | $801,000 | $158,000 | $1,020,000 |
| Refinancing | 4 | $1,331,000 | $332,000 | $417,000 | $160,000 | $244,000 |
| 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 | 61 | $20,701,000 | $339,000 | $801,000 | $156,000 | $725,000 |
| Asian | 20 | $6,112,000 | $305,000 | $584,000 | $133,000 | $331,000 |
| Not Provided | 8 | $2,548,000 | $318,000 | $559,000 | $168,000 | $505,000 |
| Hispanic | 6 | $1,901,000 | $316,000 | $460,000 | $264,000 | $1,020,000 |
| Black or African American | 3 | $1,070,000 | $356,000 | $518,000 | $112,000 | $157,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 98 | $32,332,000 | $329,000 | $801,000 | $158,000 | $1,020,000 |
| 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 | 60 | $21,275,000 | $354,000 | $801,000 | $148,000 | $505,000 |
| Application Denied By Financial Institution | 31 | $9,104,000 | $293,000 | $604,000 | $183,000 | $1,020,000 |
| Application Withdrawn By Applicant | 5 | $1,327,000 | $265,000 | $600,000 | $95,000 | $154,000 |
| Application Approved But Not Accepted | 2 | $626,000 | $313,000 | $410,000 | $222,000 | $375,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 15 | $3,564,000 | $237,000 | $356,000 | $227,000 | $1,020,000 |
| Collateral | 6 | $1,912,000 | $318,000 | $604,000 | $213,000 | $331,000 |
| Debt-To-Income Ratio | 5 | $1,851,000 | $370,000 | $494,000 | $97,000 | $164,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $858,000 | $429,000 | $460,000 | $128,000 | $128,000 |
| Other | 1 | $375,000 | $375,000 | $375,000 | $72,000 | $72,000 |
| Unverifiable Information | 1 | $260,000 | $260,000 | $260,000 | $49,000 | $49,000 |
| Credit History | 1 | $284,000 | $284,000 | $284,000 | $136,000 | $136,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into De Capital Mortgage, LLC's 2014 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 De Capital Mortgage, LLC'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 North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About