First Capital Financial Servic
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
First Capital Financial Servic 2003 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 | First Capital Financial Servic 5600 W. Grande Market Drive Appleton, WI 54913 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,008 |
| Total Mortgage Loan Application Amount | $323,673,000 |
| Average Mortgage Loan Application Amount | $108,956 |
| Highest Mortgage Loan Application Amount | $702,000 |
| Average Applicant Income | $36,086 |
| Highest Applicant Income | $420,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with First Capital Financial Servic. 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 First Capital Financial Servic's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down First Capital Financial Servic'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 First Capital Financial Servic serves its applicants.
Each category highlights the total number of mortgage applications processed by First Capital Financial Servic, 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 First Capital Financial Servic's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Scott County Iowa | 322 | $ 31,635,000 | $ 98,000 | $ 44,000 |
| Fresno County California | 316 | $ 41,717,000 | $ 132,000 | $ 45,000 |
| Rock Island County Illinois | 252 | $ 21,049,000 | $ 83,000 | $ 41,000 |
| Outagamie County Wisconsin | 222 | $ 24,239,000 | $ 109,000 | $ 45,000 |
| Winnebago County Wisconsin | 194 | $ 20,461,000 | $ 105,000 | $ 52,000 |
| Fond du Lac County Wisconsin | 88 | $ 9,855,000 | $ 111,000 | $ 29,000 |
| Cook County Illinois | 81 | $ 10,633,000 | $ 131,000 | $ 53,000 |
| Henry County Illinois | 77 | $ 6,670,000 | $ 86,000 | $ 45,000 |
| Marion County Indiana | 73 | $ 5,408,000 | $ 74,000 | $ 37,000 |
| Brown County Wisconsin | 62 | $ 7,860,000 | $ 126,000 | $ 65,000 |
| Lake County Indiana | 46 | $ 3,521,000 | $ 76,000 | $ 31,000 |
| Sheboygan County Wisconsin | 46 | $ 4,596,000 | $ 99,000 | $ 33,000 |
| Waupaca County Wisconsin | 45 | $ 4,556,000 | $ 101,000 | $ 30,000 |
| Clinton County Iowa | 38 | $ 3,183,000 | $ 83,000 | $ 40,000 |
| Linn County Iowa | 38 | $ 4,893,000 | $ 128,000 | $ 44,000 |
| Calumet County Wisconsin | 38 | $ 4,591,000 | $ 120,000 | $ 50,000 |
| Milwaukee County Wisconsin | 36 | $ 3,768,000 | $ 104,000 | $ 46,000 |
| Polk County Iowa | 34 | $ 3,733,000 | $ 109,000 | $ 40,000 |
| Muscatine County Iowa | 33 | $ 3,031,000 | $ 91,000 | $ 38,000 |
| Madera County California | 31 | $ 3,975,000 | $ 128,000 | $ 32,000 |
| Marathon County Wisconsin | 28 | $ 2,709,000 | $ 96,000 | $ 46,000 |
| Shawano County Wisconsin | 26 | $ 2,327,000 | $ 89,000 | $ 39,000 |
| Los Angeles County California | 24 | $ 5,198,000 | $ 216,000 | $ 83,000 |
| Bureau County Illinois | 22 | $ 1,870,000 | $ 85,000 | $ 36,000 |
| Madison County Indiana | 21 | $ 1,682,000 | $ 80,000 | $ 37,000 |
| Dane County Wisconsin | 21 | $ 3,164,000 | $ 150,000 | $ 29,000 |
| Whiteside County Illinois | 20 | $ 1,574,000 | $ 78,000 | $ 41,000 |
| Tulare County California | 18 | $ 2,176,000 | $ 120,000 | $ 46,000 |
| Allen County Indiana | 18 | $ 1,479,000 | $ 82,000 | $ 44,000 |
| Mahoning County Ohio | 18 | $ 1,362,000 | $ 75,000 | $ 25,000 |
| Washington County Tennessee | 17 | $ 1,641,000 | $ 96,000 | $ 22,000 |
| Franklin County Ohio | 16 | $ 1,434,000 | $ 89,000 | $ 66,000 |
| Trumbull County Ohio | 16 | $ 1,326,000 | $ 82,000 | $ 19,000 |
| Larimer County Colorado | 15 | $ 2,283,000 | $ 152,000 | $ 46,000 |
| Mercer County Illinois | 15 | $ 1,145,000 | $ 76,000 | $ 44,000 |
| Dunn County Wisconsin | 13 | $ 1,824,000 | $ 140,000 | $ 80,000 |
| Waukesha County Wisconsin | 13 | $ 1,880,000 | $ 144,000 | $ 35,000 |
| Waushara County Wisconsin | 13 | $ 1,242,000 | $ 95,000 | $ 21,000 |
| Porter County Indiana | 12 | $ 1,380,000 | $ 115,000 | $ 54,000 |
| Vigo County Indiana | 12 | $ 970,000 | $ 80,000 | $ 22,000 |
| Racine County Wisconsin | 12 | $ 1,498,000 | $ 124,000 | $ 52,000 |
| Sullivan County Tennessee | 10 | $ 935,000 | $ 93,000 | $ 12,000 |
| Dodge County Wisconsin | 10 | $ 1,061,000 | $ 106,000 | $ 49,000 |
| Oconto County Wisconsin | 10 | $ 1,106,000 | $ 110,000 | $ 48,000 |
| Kane County Illinois | 9 | $ 1,565,000 | $ 173,000 | $ 24,000 |
| Lake County Illinois | 9 | $ 1,845,000 | $ 205,000 | $ 61,000 |
| St. Joseph County Indiana | 9 | $ 794,000 | $ 88,000 | $ 22,000 |
| Manitowoc County Wisconsin | 9 | $ 782,000 | $ 86,000 | $ 43,000 |
| Portage County Wisconsin | 9 | $ 824,000 | $ 91,000 | $ 21,000 |
| Knox County Illinois | 8 | $ 362,000 | $ 45,000 | $ 35,000 |
| Delaware County Indiana | 8 | $ 420,000 | $ 52,000 | $ 18,000 |
| Des Moines County Iowa | 8 | $ 596,000 | $ 74,000 | $ 37,000 |
| Clark County Ohio | 8 | $ 545,000 | $ 68,000 | $ 31,000 |
| La Crosse County Wisconsin | 8 | $ 916,000 | $ 114,000 | $ 54,000 |
| Kankakee County Illinois | 7 | $ 460,000 | $ 65,000 | $ 26,000 |
| Black Hawk County Iowa | 7 | $ 672,000 | $ 96,000 | $ 29,000 |
| Johnson County Iowa | 7 | $ 919,000 | $ 131,000 | $ 46,000 |
| Carter County Tennessee | 7 | $ 598,000 | $ 85,000 | $ 21,000 |
| Merced County California | 6 | $ 835,000 | $ 139,000 | $ 67,000 |
| DuPage County Illinois | 6 | $ 1,143,000 | $ 190,000 | $ 71,000 |
| Will County Illinois | 6 | $ 763,000 | $ 127,000 | $ 27,000 |
| Benton County Iowa | 6 | $ 666,000 | $ 111,000 | $ 66,000 |
| Dallas County Iowa | 6 | $ 785,000 | $ 130,000 | $ 45,000 |
| Dakota County Minnesota | 6 | $ 940,000 | $ 156,000 | $ 55,000 |
| Chippewa County Wisconsin | 6 | $ 694,000 | $ 115,000 | $ 23,000 |
| Green Lake County Wisconsin | 6 | $ 629,000 | $ 104,000 | $ 57,000 |
| Monroe County Wisconsin | 6 | $ 746,000 | $ 124,000 | $ 31,000 |
| Warren County Illinois | 5 | $ 418,000 | $ 83,000 | $ 58,000 |
| Jackson County Iowa | 5 | $ 524,000 | $ 104,000 | $ 55,000 |
| Ramsey County Minnesota | 5 | $ 692,000 | $ 138,000 | $ 25,000 |
| Barron County Wisconsin | 5 | $ 396,000 | $ 79,000 | $ 14,000 |
| Kenosha County Wisconsin | 5 | $ 747,000 | $ 149,000 | $ 94,000 |
| Lincoln County Wisconsin | 5 | $ 602,000 | $ 120,000 | $ 46,000 |
| Wood County Wisconsin | 5 | $ 368,000 | $ 73,000 | $ 19,000 |
| El Paso County Colorado | 4 | $ 735,000 | $ 183,000 | $ 84,000 |
| Weld County Colorado | 4 | $ 628,000 | $ 157,000 | $ 0 |
| LaSalle County Illinois | 4 | $ 209,000 | $ 52,000 | $ 30,000 |
| Winnebago County Illinois | 4 | $ 565,000 | $ 141,000 | $ 87,000 |
| Hamilton County Indiana | 4 | $ 570,000 | $ 142,000 | $ 51,000 |
| Johnson County Indiana | 4 | $ 393,000 | $ 98,000 | $ 35,000 |
| Cedar County Iowa | 4 | $ 251,000 | $ 62,000 | $ 36,000 |
| Jasper County Iowa | 4 | $ 289,000 | $ 72,000 | $ 38,000 |
| Anoka County Minnesota | 4 | $ 512,000 | $ 128,000 | $ 14,000 |
| Hennepin County Minnesota | 4 | $ 344,000 | $ 86,000 | $ 38,000 |
| Washington County Mississippi | 4 | $ 183,000 | $ 45,000 | $ 19,000 |
| Columbia County Wisconsin | 4 | $ 469,000 | $ 117,000 | $ 59,000 |
| Door County Wisconsin | 4 | $ 711,000 | $ 177,000 | $ 19,000 |
| Eau Claire County Wisconsin | 4 | $ 309,000 | $ 77,000 | $ 23,000 |
| Marquette County Wisconsin | 4 | $ 559,000 | $ 139,000 | $ 44,000 |
| Washington County Wisconsin | 4 | $ 865,000 | $ 216,000 | $ 58,000 |
| Riverside County California | 3 | $ 656,000 | $ 218,000 | $ 98,000 |
| Adams County Colorado | 3 | $ 626,000 | $ 208,000 | $ 14,000 |
| Pueblo County Colorado | 3 | $ 307,000 | $ 102,000 | $ 55,000 |
| Peoria County Illinois | 3 | $ 227,000 | $ 75,000 | $ 43,000 |
| Newton County Indiana | 3 | $ 367,000 | $ 122,000 | $ 68,000 |
| Tippecanoe County Indiana | 3 | $ 186,000 | $ 62,000 | $ 24,000 |
| Cerro Gordo County Iowa | 3 | $ 378,000 | $ 126,000 | $ 36,000 |
| Louisa County Iowa | 3 | $ 342,000 | $ 114,000 | $ 56,000 |
| Warren County Iowa | 3 | $ 349,000 | $ 116,000 | $ 33,000 |
| Washington County Iowa | 3 | $ 198,000 | $ 66,000 | $ 10,000 |
| Woodbury County Iowa | 3 | $ 146,000 | $ 48,000 | $ 65,000 |
| Olmsted County Minnesota | 3 | $ 507,000 | $ 169,000 | $ 11,000 |
| Cuyahoga County Ohio | 3 | $ 343,000 | $ 114,000 | $ 16,000 |
| Montgomery County Ohio | 3 | $ 267,000 | $ 89,000 | $ 85,000 |
| Lexington County South Carolina | 3 | $ 265,000 | $ 88,000 | $ 20,000 |
| Shelby County Tennessee | 3 | $ 474,000 | $ 158,000 | $ 49,000 |
| Adams County Wisconsin | 3 | $ 199,000 | $ 66,000 | $ 16,000 |
| Burnett County Wisconsin | 3 | $ 367,000 | $ 122,000 | $ 57,000 |
| Juneau County Wisconsin | 3 | $ 260,000 | $ 86,000 | $ 46,000 |
| Langlade County Wisconsin | 3 | $ 387,000 | $ 129,000 | $ 43,000 |
| Marinette County Wisconsin | 3 | $ 214,000 | $ 71,000 | $ 24,000 |
| Contra Costa County California | 2 | $ 578,000 | $ 289,000 | $ 108,000 |
| Kern County California | 2 | $ 245,000 | $ 122,000 | $ 47,000 |
| Mariposa County California | 2 | $ 294,000 | $ 147,000 | $ 65,000 |
| Monterey County California | 2 | $ 327,000 | $ 163,000 | $ 56,000 |
| San Joaquin County California | 2 | $ 415,000 | $ 207,000 | $ 80,000 |
| Ventura County California | 2 | $ 458,000 | $ 229,000 | $ 48,000 |
| Boulder County Colorado | 2 | $ 608,000 | $ 304,000 | $ 111,000 |
| Denver County Colorado | 2 | $ 199,000 | $ 99,000 | $ 0 |
| Douglas County Colorado | 2 | $ 614,000 | $ 307,000 | $ 144,000 |
| Fulton County Illinois | 2 | $ 80,000 | $ 40,000 | $ 16,000 |
| Lee County Illinois | 2 | $ 237,000 | $ 118,000 | $ 67,000 |
| Tazewell County Illinois | 2 | $ 245,000 | $ 122,000 | $ 66,000 |
| Henry County Indiana | 2 | $ 141,000 | $ 70,000 | $ 31,000 |
| Huntington County Indiana | 2 | $ 81,000 | $ 40,000 | $ 15,000 |
| LaPorte County Indiana | 2 | $ 160,000 | $ 80,000 | $ 16,000 |
| Randolph County Indiana | 2 | $ 118,000 | $ 59,000 | $ 0 |
| Starke County Indiana | 2 | $ 166,000 | $ 83,000 | $ 38,000 |
| Tipton County Indiana | 2 | $ 222,000 | $ 111,000 | $ 33,000 |
| Vermillion County Indiana | 2 | $ 91,000 | $ 45,000 | $ 21,000 |
| Warrick County Indiana | 2 | $ 160,000 | $ 80,000 | $ 39,000 |
| Jones County Iowa | 2 | $ 111,000 | $ 55,000 | $ 46,000 |
| Keokuk County Iowa | 2 | $ 102,000 | $ 51,000 | $ 34,000 |
| Lucas County Iowa | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Isanti County Minnesota | 2 | $ 300,000 | $ 150,000 | $ 33,000 |
| Jackson County Missouri | 2 | $ 139,000 | $ 69,000 | $ 61,000 |
| Burleigh County North Dakota | 2 | $ 209,000 | $ 104,000 | $ 53,000 |
| Cass County North Dakota | 2 | $ 269,000 | $ 134,000 | $ 48,000 |
| Butler County Ohio | 2 | $ 183,000 | $ 91,000 | $ 0 |
| Greene County Ohio | 2 | $ 156,000 | $ 78,000 | $ 11,000 |
| Sevier County Tennessee | 2 | $ 1,008,000 | $ 504,000 | $ 151,000 |
| Unicoi County Tennessee | 2 | $ 332,000 | $ 166,000 | $ 33,000 |
| Grant County Wisconsin | 2 | $ 190,000 | $ 95,000 | $ 47,000 |
| Jefferson County Wisconsin | 2 | $ 207,000 | $ 103,000 | $ 45,000 |
| Oneida County Wisconsin | 2 | $ 238,000 | $ 119,000 | $ 35,000 |
| Richland County Wisconsin | 2 | $ 184,000 | $ 92,000 | $ 0 |
| St. Croix County Wisconsin | 2 | $ 358,000 | $ 179,000 | $ 72,000 |
| Walworth County Wisconsin | 2 | $ 259,000 | $ 129,000 | $ 0 |
| Washburn County Wisconsin | 2 | $ 155,000 | $ 77,000 | $ 18,000 |
| Pulaski County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Butte County California | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Orange County California | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Sacramento County California | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| San Luis Obispo County California | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Shasta County California | 1 | $ 94,000 | $ 94,000 | $ 147,000 |
| Grand County Colorado | 1 | $ 210,000 | $ 210,000 | $ 91,000 |
| Jefferson County Colorado | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Logan County Colorado | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Morgan County Colorado | 1 | $ 77,000 | $ 77,000 | $ 23,000 |
| Miami-Dade County Florida | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Orange County Florida | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Gwinnett County Georgia | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Carroll County Illinois | 1 | $ 77,000 | $ 77,000 | $ 30,000 |
| Champaign County Illinois | 1 | $ 66,000 | $ 66,000 | $ 19,000 |
| Hancock County Illinois | 1 | $ 27,000 | $ 27,000 | $ 25,000 |
| Henderson County Illinois | 1 | $ 55,000 | $ 55,000 | $ 20,000 |
| Kendall County Illinois | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Marshall County Illinois | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Mason County Illinois | 1 | $ 20,000 | $ 20,000 | $ 66,000 |
| McDonough County Illinois | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| McHenry County Illinois | 1 | $ 203,000 | $ 203,000 | $ 135,000 |
| McLean County Illinois | 1 | $ 118,000 | $ 118,000 | $ 50,000 |
| Putnam County Illinois | 1 | $ 46,000 | $ 46,000 | $ 32,000 |
| Saline County Illinois | 1 | $ 65,000 | $ 65,000 | $ 84,000 |
| Sangamon County Illinois | 1 | $ 88,000 | $ 88,000 | $ 32,000 |
| Adams County Indiana | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Boone County Indiana | 1 | $ 324,000 | $ 324,000 | $ 0 |
| Brown County Indiana | 1 | $ 160,000 | $ 160,000 | $ 48,000 |
| Clay County Indiana | 1 | $ 51,000 | $ 51,000 | $ 39,000 |
| Clinton County Indiana | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Crawford County Indiana | 1 | $ 80,000 | $ 80,000 | $ 41,000 |
| Daviess County Indiana | 1 | $ 126,000 | $ 126,000 | $ 73,000 |
| Dearborn County Indiana | 1 | $ 470,000 | $ 470,000 | $ 123,000 |
| Elkhart County Indiana | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| Floyd County Indiana | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Fountain County Indiana | 1 | $ 68,000 | $ 68,000 | $ 34,000 |
| Harrison County Indiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Hendricks County Indiana | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Howard County Indiana | 1 | $ 67,000 | $ 67,000 | $ 33,000 |
| Kosciusko County Indiana | 1 | $ 112,000 | $ 112,000 | $ 27,000 |
| Marshall County Indiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Morgan County Indiana | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Noble County Indiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Sullivan County Indiana | 1 | $ 50,000 | $ 50,000 | $ 44,000 |
| Vanderburgh County Indiana | 1 | $ 95,000 | $ 95,000 | $ 35,000 |
| Wayne County Indiana | 1 | $ 63,000 | $ 63,000 | $ 26,000 |
| Adair County Iowa | 1 | $ 63,000 | $ 63,000 | $ 38,000 |
| Appanoose County Iowa | 1 | $ 40,000 | $ 40,000 | $ 19,000 |
| Audubon County Iowa | 1 | $ 44,000 | $ 44,000 | $ 24,000 |
| Boone County Iowa | 1 | $ 74,000 | $ 74,000 | $ 77,000 |
| Clay County Iowa | 1 | $ 36,000 | $ 36,000 | $ 49,000 |
| Decatur County Iowa | 1 | $ 63,000 | $ 63,000 | $ 29,000 |
| Grundy County Iowa | 1 | $ 39,000 | $ 39,000 | $ 21,000 |
| Guthrie County Iowa | 1 | $ 91,000 | $ 91,000 | $ 30,000 |
| Henry County Iowa | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Iowa County Iowa | 1 | $ 123,000 | $ 123,000 | $ 62,000 |
| Jefferson County Iowa | 1 | $ 44,000 | $ 44,000 | $ 37,000 |
| Pottawattamie County Iowa | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| Poweshiek County Iowa | 1 | $ 116,000 | $ 116,000 | $ 31,000 |
| Story County Iowa | 1 | $ 70,000 | $ 70,000 | $ 75,000 |
| Worth County Iowa | 1 | $ 34,000 | $ 34,000 | $ 19,000 |
| Carroll County Kentucky | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Henry County Kentucky | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 69,000 |
| Livingston County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 0 |
| McCracken County Kentucky | 1 | $ 51,000 | $ 51,000 | $ 31,000 |
| Spencer County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 42,000 |
| Webster County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Bay County Michigan | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Newaygo County Michigan | 1 | $ 92,000 | $ 92,000 | $ 41,000 |
| Aitkin County Minnesota | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Becker County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Chisago County Minnesota | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Freeborn County Minnesota | 1 | $ 33,000 | $ 33,000 | $ 58,000 |
| Mille Lacs County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 26,000 |
| Mower County Minnesota | 1 | $ 63,000 | $ 63,000 | $ 56,000 |
| Otter Tail County Minnesota | 1 | $ 76,000 | $ 76,000 | $ 48,000 |
| Pine County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Stearns County Minnesota | 1 | $ 44,000 | $ 44,000 | $ 17,000 |
| Steele County Minnesota | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Wabasha County Minnesota | 1 | $ 114,000 | $ 114,000 | $ 49,000 |
| Washington County Minnesota | 1 | $ 42,000 | $ 42,000 | $ 106,000 |
| Wright County Minnesota | 1 | $ 274,000 | $ 274,000 | $ 0 |
| Rankin County Mississippi | 1 | $ 134,000 | $ 134,000 | $ 84,000 |
| Clay County Missouri | 1 | $ 131,000 | $ 131,000 | $ 58,000 |
| St. Charles County Missouri | 1 | $ 133,000 | $ 133,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 48,000 | $ 48,000 | $ 58,000 |
| Hamilton County Nebraska | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Morton County North Dakota | 1 | $ 81,000 | $ 81,000 | $ 48,000 |
| Columbiana County Ohio | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Darke County Ohio | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Defiance County Ohio | 1 | $ 62,000 | $ 62,000 | $ 49,000 |
| Geauga County Ohio | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Medina County Ohio | 1 | $ 400,000 | $ 400,000 | $ 129,000 |
| Miami County Ohio | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Shelby County Ohio | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Summit County Ohio | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Lebanon County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Providence County Rhode Island | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Richland County South Carolina | 1 | $ 450,000 | $ 450,000 | $ 188,000 |
| Minnehaha County South Dakota | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Blount County Tennessee | 1 | $ 93,000 | $ 93,000 | $ 67,000 |
| Greene County Tennessee | 1 | $ 81,000 | $ 81,000 | $ 24,000 |
| Hawkins County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Knox County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 16,000 |
| Macon County Tennessee | 1 | $ 298,000 | $ 298,000 | $ 67,000 |
| Monroe County Tennessee | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Williamson County Tennessee | 1 | $ 228,000 | $ 228,000 | $ 69,000 |
| Bell County Texas | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Brazoria County Texas | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 163,000 | $ 163,000 | $ 109,000 |
| Henry County Virginia | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Washington County Virginia | 1 | $ 114,000 | $ 114,000 | $ 84,000 |
| King County Washington | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Ashland County Wisconsin | 1 | $ 136,000 | $ 136,000 | $ 94,000 |
| Buffalo County Wisconsin | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Clark County Wisconsin | 1 | $ 98,000 | $ 98,000 | $ 68,000 |
| Crawford County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Douglas County Wisconsin | 1 | $ 86,000 | $ 86,000 | $ 30,000 |
| Iowa County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Jackson County Wisconsin | 1 | $ 70,000 | $ 70,000 | $ 58,000 |
| Menominee County Wisconsin | 1 | $ 57,000 | $ 57,000 | $ 21,000 |
| Ozaukee County Wisconsin | 1 | $ 196,000 | $ 196,000 | $ 103,000 |
| Pierce County Wisconsin | 1 | $ 143,000 | $ 143,000 | $ 72,000 |
| Rock County Wisconsin | 1 | $ 16,000 | $ 16,000 | $ 29,000 |
| Sauk County Wisconsin | 1 | $ 129,000 | $ 129,000 | $ 52,000 |
| Taylor County Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Trempealeau County Wisconsin | 1 | $ 86,000 | $ 86,000 | $ 16,000 |
| Vernon County Wisconsin | 1 | $ 82,000 | $ 82,000 | $ 39,000 |
| Vilas County Wisconsin | 1 | $ 113,000 | $ 113,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for First Capital Financial Servic in 2003
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 (home purchase or home improvement, one-to-four family) | 1,552 | $171,046,000 | $122,812 | $552,000 | $65,500 | $420,000 |
| Home Purchase (one-to-four family) | 1,448 | $151,795,000 | $101,280 | $702,000 | $15,800 | $343,000 |
| Home Improvement (one-to-four family) | 7 | $690,000 | $93,250 | $122,000 | $54,250 | $89,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $142,000 | $142,000 | $142,000 | $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 | 1,647 | $177,334,000 | $117,500 | $552,000 | $60,500 | $414,000 |
| Information not provided by applicant in mail or telephone application | 1,055 | $112,893,000 | $103,960 | $702,000 | $21,000 | $420,000 |
| Hispanic | 144 | $15,761,000 | $97,500 | $283,000 | $43,833 | $145,000 |
| Black | 112 | $10,105,000 | $104,555 | $304,000 | $60,777 | $131,000 |
| Asian or Pacific Islander | 25 | $3,741,000 | $133,200 | $500,000 | $48,200 | $151,000 |
| Other | 18 | $3,147,000 | $140,750 | $400,000 | $59,500 | $155,000 |
| American Indian or Alaskan Native | 7 | $692,000 | $128,000 | $169,000 | $62,000 | $99,000 |
| 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) | 2,875 | $310,542,000 | $103,520 | $702,000 | $26,920 | $420,000 |
| FHA-insured (Federal Housing Administration) | 127 | $12,612,000 | $95,000 | $197,000 | $41,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 6 | $519,000 | $86,000 | $112,000 | $45,000 | $79,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,884 | $208,144,000 | $109,538 | $500,000 | $55,461 | $414,000 |
| Application Denied By Financial Institution | 506 | $51,301,000 | $99,166 | $563,000 | $9,833 | $158,000 |
| Application Approved But Not Accepted | 484 | $51,276,000 | $127,750 | $702,000 | $58,250 | $420,000 |
| Application Withdrawn By Applicant | 128 | $12,317,000 | $97,000 | $300,000 | $42,250 | $132,000 |
| Loan Purchased By The Institution | 5 | $587,000 | $118,000 | $170,000 | $62,000 | $102,000 |
| File Closed For Incompleteness | 1 | $48,000 | $48,000 | $48,000 | $21,000 | $21,000 |
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 History | 247 | $23,914,000 | $97,076 | $520,000 | $9,538 | $108,000 |
| Other | 146 | $15,116,000 | $107,217 | $563,000 | $10,739 | $109,000 |
| Debt-To-Income Ratio | 53 | $6,585,000 | $132,555 | $504,000 | $13,777 | $158,000 |
| Employment History | 9 | $894,000 | $89,666 | $207,000 | $9,166 | $40,000 |
| Collateral | 8 | $650,000 | $73,000 | $150,000 | $27,500 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $453,000 | $151,000 | $293,000 | $64,000 | $144,000 |
| Credit Application Incomplete | 2 | $205,000 | $102,500 | $105,000 | $0 | $0 |
| Unverifiable Information | 1 | $132,000 | $132,000 | $132,000 | $70,000 | $70,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Capital Financial Servic's 2003 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 First Capital Financial Servic'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 Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.