First Capital Financial Servic Mortgage Lending & HMDA Data, 2005
In 2005, First Capital Financial Servic of Appleton, WI reported 2,570 mortgage applications totaling $335.8 million, down 59% from 2004. The average application was for $130,673, and applicants reported an average income of $50,746. 8% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Fresno, CA (404), Appleton, WI (147) and Oshkosh-Neenah, WI (110) (applications in parentheses).
| 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 | 2,570 |
| Total Mortgage Loan Application Amount | $335,832,000 |
| Average Mortgage Loan Application Amount | $130,673 |
| Highest Mortgage Loan Application Amount | $1,260,000 |
| Average Applicant Income | $50,746 |
| Highest Applicant Income | $1,620,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Capital Financial Servic filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fresno, CA | 404 | $ 75,776,000 | $ 187,564 | $ 65,000 |
| Appleton, WI | 147 | $ 21,418,000 | $ 145,700 | $ 102,000 |
| Oshkosh-Neenah, WI | 110 | $ 11,852,000 | $ 107,745 | $ 59,000 |
| Chicago-Naperville-Joliet, IL | 103 | $ 16,448,000 | $ 159,689 | $ 62,000 |
| Davenport-Moline-Rock Island, IA-IL | 75 | $ 6,201,000 | $ 82,680 | $ 27,000 |
| Milwaukee-Waukesha-West Allis, WI | 66 | $ 7,583,000 | $ 114,893 | $ 51,000 |
| Dallas-Plano-Irving, TX | 48 | $ 6,452,000 | $ 134,416 | $ 54,000 |
| Des Moines, IA | 47 | $ 6,070,000 | $ 129,148 | $ 14,000 |
| Gary, IN | 38 | $ 3,633,000 | $ 95,605 | $ 31,000 |
| Houston-Baytown-Sugar Land, TX | 38 | $ 4,632,000 | $ 121,894 | $ 7,000 |
| Green Bay, WI | 37 | $ 4,422,000 | $ 119,513 | $ 31,000 |
| Indianapolis, IN | 33 | $ 2,937,000 | $ 89,000 | $ 23,000 |
| Fond Du Lac, WI | 27 | $ 3,981,000 | $ 147,444 | $ 100,000 |
| Los Angeles-Long Beach-Glendale, CA | 25 | $ 5,877,000 | $ 235,080 | $ 70,000 |
| St. Joseph, MO-KS | 18 | $ 1,438,000 | $ 79,888 | $ 16,000 |
| Fort Worth-Arlington, TX | 17 | $ 2,261,000 | $ 133,000 | $ 19,000 |
| Madison, WI | 17 | $ 2,573,000 | $ 151,352 | $ 26,000 |
| Cedar Rapids, IA | 16 | $ 1,345,000 | $ 84,062 | $ 11,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 16 | $ 2,734,000 | $ 170,875 | $ 22,000 |
| Wausau, WI | 16 | $ 2,691,000 | $ 168,187 | $ 125,000 |
| Anderson, IN | 15 | $ 1,282,000 | $ 85,466 | $ 39,000 |
| Madera, CA | 13 | $ 2,502,000 | $ 192,461 | $ 56,000 |
| Riverside-San Bernardino-Ontario, CA | 12 | $ 1,907,000 | $ 158,916 | $ 119,000 |
| Sheboygan, WI | 12 | $ 2,052,000 | $ 171,000 | $ 62,000 |
| Visalia-Porterville, CA | 11 | $ 1,876,000 | $ 170,545 | $ 60,000 |
| Oklahoma City, OK | 10 | $ 983,000 | $ 98,300 | $ 14,000 |
| Fort Wayne, IN | 9 | $ 730,000 | $ 81,111 | $ 9,000 |
| Lake County-Kenosha County, IL-WI | 9 | $ 1,725,000 | $ 191,666 | $ 8,000 |
| Jackson, MS | 8 | $ 823,000 | $ 102,875 | $ 31,000 |
| Racine, WI | 7 | $ 1,172,000 | $ 167,428 | $ 21,000 |
| Akron, OH | 6 | $ 276,000 | $ 46,000 | $ 32,000 |
| Charleston, WV | 6 | $ 921,000 | $ 153,500 | $ 9,000 |
| Colorado Springs, CO | 6 | $ 692,000 | $ 115,333 | $ 123,000 |
| Denver-Aurora, CO | 6 | $ 1,200,000 | $ 200,000 | $ 36,000 |
| Fargo, ND-MN | 6 | $ 646,000 | $ 107,666 | $ 27,000 |
| Bismarck, ND | 5 | $ 604,000 | $ 120,800 | $ 11,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 637,000 | $ 127,400 | $ 49,000 |
| Columbus, OH | 5 | $ 369,000 | $ 73,800 | $ 42,000 |
| Duluth, MN-WI | 5 | $ 502,000 | $ 100,400 | $ 30,000 |
| Eau Claire, WI | 5 | $ 366,000 | $ 73,200 | $ 32,000 |
| Hanford-Corcoran, CA | 5 | $ 823,000 | $ 164,600 | $ 47,000 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 463,000 | $ 92,600 | $ 10,000 |
| Janesville, WI | 5 | $ 479,000 | $ 95,800 | $ 7,000 |
| Kansas City, MO-KS | 5 | $ 498,000 | $ 99,600 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 5 | $ 521,000 | $ 104,200 | $ 9,000 |
| Merced, CA | 5 | $ 1,113,000 | $ 222,600 | $ 97,000 |
| Morgantown, WV | 5 | $ 642,000 | $ 128,400 | $ 0 |
| New Haven-Milford, CT | 5 | $ 1,104,000 | $ 220,800 | $ 35,000 |
| Parkersburg-Marietta, WV-OH | 5 | $ 376,000 | $ 75,200 | $ 0 |
| Terre Haute, IN | 5 | $ 308,000 | $ 61,600 | $ 27,000 |
| Bakersfield, CA | 4 | $ 966,000 | $ 241,500 | $ 87,000 |
| Cleveland-Elyria-Mentor, OH | 4 | $ 478,000 | $ 119,500 | $ 41,000 |
| Dubuque, IA | 4 | $ 326,000 | $ 81,500 | $ 21,000 |
| Johnson City, TN | 4 | $ 257,000 | $ 64,250 | $ 24,000 |
| La Crosse, WI-MN | 4 | $ 524,000 | $ 131,000 | $ 340,000 |
| New York-Wayne-White Plains, NY-NJ | 4 | $ 1,233,000 | $ 308,250 | $ 52,000 |
| Peoria, IL | 4 | $ 255,000 | $ 63,750 | $ 6,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 864,000 | $ 216,000 | $ 110,000 |
| Wheeling, WV-OH | 4 | $ 346,000 | $ 86,500 | $ 0 |
| Champaign-Urbana, IL | 3 | $ 136,000 | $ 45,333 | $ 24,000 |
| Iowa City, IA | 3 | $ 703,000 | $ 234,333 | $ 32,000 |
| Kankakee-Bradley, IL | 3 | $ 199,000 | $ 66,333 | $ 33,000 |
| Memphis, TN-MS-AR | 3 | $ 329,000 | $ 109,666 | $ 0 |
| Rochester, NY | 3 | $ 192,000 | $ 64,000 | $ 24,000 |
| St. Louis, MO-IL | 3 | $ 345,000 | $ 115,000 | $ 16,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 162,000 | $ 54,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 210,000 | $ 70,000 | $ 27,000 |
| Canton-Massillon, OH | 2 | $ 182,000 | $ 91,000 | $ 20,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 163,000 | $ 81,500 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 142,000 | $ 71,000 | $ 37,000 |
| Knoxville, TN | 2 | $ 231,000 | $ 115,500 | $ 25,000 |
| Lafayette, IN | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 245,000 | $ 122,500 | $ 49,000 |
| Modesto, CA | 2 | $ 495,000 | $ 247,500 | $ 108,000 |
| Norwich-New London, CT | 2 | $ 644,000 | $ 322,000 | $ 29,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 522,000 | $ 261,000 | $ 114,000 |
| Richmond, VA | 2 | $ 407,000 | $ 203,500 | $ 24,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 816,000 | $ 408,000 | $ 390,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 910,000 | $ 455,000 | $ 45,000 |
| Springfield, OH | 2 | $ 119,000 | $ 59,500 | $ 34,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 146,000 | $ 73,000 | $ 0 |
| Albany-Schenectady-Troy, NY | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Ames, IA | 1 | $ 76,000 | $ 76,000 | $ 36,000 |
| Beaumont-Port Arthur, TX | 1 | $ 70,000 | $ 70,000 | $ 36,000 |
| Boise City-Nampa, ID | 1 | $ 160,000 | $ 160,000 | $ 156,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 848,000 | $ 848,000 | $ 0 |
| Charlottesville, VA | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 56,000 | $ 56,000 | $ 22,000 |
| Chico, CA | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Danville, IL | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Grand Forks, ND-MN | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Grand Junction, CO | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Gulfport-Biloxi, MS | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Kokomo, IN | 1 | $ 120,000 | $ 120,000 | $ 70,000 |
| Morristown, TN | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Pascagoula, MS | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Rockford, IL | 1 | $ 31,000 | $ 31,000 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 94,000 | $ 94,000 | $ 84,000 |
| Sioux City, IA-NE-SD | 1 | $ 130,000 | $ 130,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 61,000 | $ 61,000 | $ 30,000 |
| Springfield, MA | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Tallahassee, FL | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Tulsa, OK | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Tyler, TX | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Vallejo-Fairfield, CA | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Yuba City, CA | 1 | $ 120,000 | $ 120,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Capital Financial Servic 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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,303 | $169,901,000 | $136,708 | $1,260,000 | $33,833 | $983,000 |
| Home Purchase | 1,264 | $165,718,000 | $120,695 | $988,000 | $37,608 | $1,620,000 |
| Home Improvement | 3 | $213,000 | $68,500 | $115,000 | $4,500 | $18,000 |
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 Provided | 1,319 | $155,190,000 | $129,739 | $848,000 | $10,086 | $960,000 |
| White | 878 | $121,984,000 | $124,772 | $1,260,000 | $69,545 | $1,620,000 |
| Hispanic | 292 | $45,434,000 | $122,300 | $775,000 | $75,600 | $720,000 |
| Asian | 42 | $7,606,000 | $143,250 | $686,000 | $61,500 | $300,000 |
| Black or African American | 36 | $4,967,000 | $125,142 | $383,000 | $67,857 | $983,000 |
| American Indian or Alaskan Native | 2 | $541,000 | $270,000 | $360,000 | $108,000 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $110,000 | $110,000 | $110,000 | $55,000 | $55,000 |
| 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) | 2,555 | $334,360,000 | $128,846 | $1,260,000 | $35,923 | $1,620,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,472,000 | $87,500 | $189,000 | $51,000 | $108,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 1,020 | $124,580,000 | $128,045 | $650,000 | $20,909 | $780,000 |
| Application Denied By Financial Institution | 491 | $62,618,000 | $136,095 | $988,000 | $27,333 | $1,620,000 |
| Loan Purchased By The Institution | 312 | $61,370,000 | $207,444 | $775,000 | $73,111 | $480,000 |
| Application Approved But Not Accepted | 290 | $33,723,000 | $118,600 | $1,260,000 | $32,300 | $412,000 |
| File Closed For Incompleteness | 251 | $32,154,000 | $132,263 | $475,000 | $28,052 | $156,000 |
| Loan Originated | 206 | $21,387,000 | $105,800 | $400,000 | $60,400 | $256,000 |
| 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 History | 132 | $14,223,000 | $101,333 | $340,000 | $70,583 | $1,224,000 |
| Other | 77 | $17,344,000 | $141,111 | $988,000 | $47,666 | $1,620,000 |
| Collateral | 22 | $2,313,000 | $98,888 | $380,000 | $11,888 | $90,000 |
| Debt-To-Income Ratio | 17 | $2,702,000 | $157,625 | $344,000 | $35,125 | $156,000 |
| Employment History | 7 | $1,206,000 | $183,000 | $768,000 | $155,833 | $983,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $787,000 | $123,600 | $300,000 | $8,200 | $83,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Capital Financial Servic'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 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.
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