First Capital Financial Servic Mortgage Lending & HMDA Data, 2004
In 2004, First Capital Financial Servic of Appleton, WI reported 6,329 mortgage applications totaling $679.0 million, up 110% from 2003. The average application was for $107,277, and applicants reported an average income of $53,051. 18% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Appleton, WI (414), Davenport-Moline-Rock Island, IA-IL (349) and Chicago-Naperville-Joliet, IL (346) (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 | 6,329 |
| Total Mortgage Loan Application Amount | $678,961,000 |
| Average Mortgage Loan Application Amount | $107,277 |
| Highest Mortgage Loan Application Amount | $1,487,000 |
| Average Applicant Income | $53,051 |
| Highest Applicant Income | $3,084,000 |
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records First Capital Financial Servic filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Appleton, WI | 414 | $ 46,002,000 | $ 111,115 | $ 84,000 |
| Davenport-Moline-Rock Island, IA-IL | 349 | $ 30,851,000 | $ 88,398 | $ 39,000 |
| Chicago-Naperville-Joliet, IL | 346 | $ 53,288,000 | $ 154,011 | $ 63,000 |
| Oshkosh-Neenah, WI | 329 | $ 33,468,000 | $ 101,726 | $ 72,000 |
| Fresno, CA | 267 | $ 39,639,000 | $ 148,460 | $ 73,000 |
| Milwaukee-Waukesha-West Allis, WI | 214 | $ 26,262,000 | $ 122,719 | $ 67,000 |
| Des Moines, IA | 198 | $ 20,766,000 | $ 104,878 | $ 37,000 |
| Indianapolis, IN | 188 | $ 15,678,000 | $ 83,393 | $ 43,000 |
| Green Bay, WI | 186 | $ 20,494,000 | $ 110,182 | $ 77,000 |
| Fond Du Lac, WI | 151 | $ 15,595,000 | $ 103,278 | $ 68,000 |
| Dallas-Plano-Irving, TX | 137 | $ 22,561,000 | $ 164,678 | $ 56,000 |
| Gary, IN | 93 | $ 9,088,000 | $ 97,720 | $ 35,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 88 | $ 15,223,000 | $ 172,988 | $ 54,000 |
| Sheboygan, WI | 74 | $ 8,117,000 | $ 109,689 | $ 86,000 |
| Johnson City, TN | 52 | $ 4,480,000 | $ 86,153 | $ 26,000 |
| Kingsport-Bristol-Bristol, TN-VA | 48 | $ 3,954,000 | $ 82,375 | $ 36,000 |
| Anderson, IN | 44 | $ 3,663,000 | $ 83,250 | $ 40,000 |
| Kansas City, MO-KS | 44 | $ 3,972,000 | $ 90,272 | $ 48,000 |
| Wausau, WI | 44 | $ 4,141,000 | $ 94,113 | $ 66,000 |
| Charleston, WV | 37 | $ 3,450,000 | $ 93,243 | $ 26,000 |
| Cedar Rapids, IA | 36 | $ 3,202,000 | $ 88,944 | $ 27,000 |
| Madison, WI | 34 | $ 4,908,000 | $ 144,352 | $ 129,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 34 | $ 3,976,000 | $ 116,941 | $ 32,000 |
| Madera, CA | 28 | $ 4,080,000 | $ 145,714 | $ 44,000 |
| Fort Wayne, IN | 27 | $ 3,043,000 | $ 112,703 | $ 53,000 |
| Peoria, IL | 26 | $ 2,294,000 | $ 88,230 | $ 49,000 |
| Duluth, MN-WI | 25 | $ 2,578,000 | $ 103,120 | $ 35,000 |
| Houston-Baytown-Sugar Land, TX | 25 | $ 2,537,000 | $ 101,480 | $ 76,000 |
| Racine, WI | 25 | $ 2,827,000 | $ 113,080 | $ 36,000 |
| Eau Claire, WI | 24 | $ 2,432,000 | $ 101,333 | $ 10,000 |
| Visalia-Porterville, CA | 23 | $ 2,506,000 | $ 108,956 | $ 40,000 |
| Los Angeles-Long Beach-Glendale, CA | 22 | $ 6,327,000 | $ 287,590 | $ 68,000 |
| Nashville-Davidson--Murfreesboro, TN | 22 | $ 3,654,000 | $ 166,090 | $ 30,000 |
| St. Louis, MO-IL | 22 | $ 3,203,000 | $ 145,590 | $ 40,000 |
| Terre Haute, IN | 21 | $ 1,680,000 | $ 80,000 | $ 30,000 |
| Iowa City, IA | 17 | $ 1,466,000 | $ 86,235 | $ 33,000 |
| Parkersburg-Marietta, WV-OH | 17 | $ 1,100,000 | $ 64,705 | $ 16,000 |
| Canton-Massillon, OH | 16 | $ 1,543,000 | $ 96,437 | $ 5,000 |
| Columbus, OH | 16 | $ 1,236,000 | $ 77,250 | $ 18,000 |
| Fort Worth-Arlington, TX | 16 | $ 2,062,000 | $ 128,875 | $ 33,000 |
| Huntington-Ashland, WV-KY-OH | 16 | $ 1,403,000 | $ 87,687 | $ 39,000 |
| Muncie, IN | 16 | $ 1,390,000 | $ 86,875 | $ 33,000 |
| Kankakee-Bradley, IL | 15 | $ 1,178,000 | $ 78,533 | $ 46,000 |
| Waterloo-Cedar Falls, IA | 15 | $ 1,098,000 | $ 73,200 | $ 23,000 |
| Youngstown-Warren-Boardman, OH-PA | 15 | $ 1,502,000 | $ 100,133 | $ 25,000 |
| Cleveland-Elyria-Mentor, OH | 14 | $ 1,201,000 | $ 85,785 | $ 13,000 |
| Akron, OH | 12 | $ 1,220,000 | $ 101,666 | $ 14,000 |
| Bridgeport-Stamford-Norwalk, CT | 10 | $ 1,888,000 | $ 188,800 | $ 49,000 |
| Fort Collins-Loveland, CO | 10 | $ 1,751,000 | $ 175,100 | $ 42,000 |
| Kokomo, IN | 10 | $ 1,162,000 | $ 116,200 | $ 95,000 |
| Morgantown, WV | 9 | $ 1,214,000 | $ 134,888 | $ 36,000 |
| Oklahoma City, OK | 9 | $ 768,000 | $ 85,333 | $ 16,000 |
| Wheeling, WV-OH | 9 | $ 723,000 | $ 80,333 | $ 24,000 |
| Hanford-Corcoran, CA | 8 | $ 1,069,000 | $ 133,625 | $ 49,000 |
| Lake County-Kenosha County, IL-WI | 8 | $ 1,783,000 | $ 222,875 | $ 67,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 8 | $ 856,000 | $ 107,000 | $ 34,000 |
| Norwich-New London, CT | 8 | $ 1,348,000 | $ 168,500 | $ 33,000 |
| Rockford, IL | 8 | $ 729,000 | $ 91,125 | $ 50,000 |
| Sioux City, IA-NE-SD | 8 | $ 687,000 | $ 85,875 | $ 31,000 |
| Weirton-Steubenville, WV-OH | 8 | $ 595,000 | $ 74,375 | $ 30,000 |
| Columbia, SC | 7 | $ 510,000 | $ 72,857 | $ 21,000 |
| Denver-Aurora, CO | 7 | $ 1,069,000 | $ 152,714 | $ 229,000 |
| Elkhart-Goshen, IN | 7 | $ 643,000 | $ 91,857 | $ 32,000 |
| Fargo, ND-MN | 7 | $ 821,000 | $ 117,285 | $ 67,000 |
| Greeley, CO | 7 | $ 860,000 | $ 122,857 | $ 48,000 |
| Jackson, MS | 7 | $ 772,000 | $ 110,285 | $ 49,000 |
| Killeen-Temple-Fort Hood, TX | 7 | $ 726,000 | $ 103,714 | $ 16,000 |
| South Bend-Mishawaka, IN-MI | 7 | $ 665,000 | $ 95,000 | $ 34,000 |
| Springfield, IL | 7 | $ 487,000 | $ 69,571 | $ 26,000 |
| St. Joseph, MO-KS | 7 | $ 440,000 | $ 62,857 | $ 10,000 |
| Bakersfield, CA | 6 | $ 721,000 | $ 120,166 | $ 36,000 |
| Bismarck, ND | 6 | $ 660,000 | $ 110,000 | $ 32,000 |
| Janesville, WI | 6 | $ 582,000 | $ 97,000 | $ 38,000 |
| Knoxville, TN | 6 | $ 508,000 | $ 84,666 | $ 23,000 |
| Memphis, TN-MS-AR | 6 | $ 551,000 | $ 91,833 | $ 67,000 |
| New York-Wayne-White Plains, NY-NJ | 6 | $ 1,871,000 | $ 311,833 | $ 57,000 |
| Tulsa, OK | 6 | $ 909,000 | $ 151,500 | $ 92,000 |
| Austin-Round Rock, TX | 5 | $ 514,000 | $ 102,800 | $ 25,000 |
| Bloomington, IN | 5 | $ 546,000 | $ 109,200 | $ 34,000 |
| Merced, CA | 5 | $ 1,239,000 | $ 247,800 | $ 125,000 |
| Michigan City-La Porte, IN | 5 | $ 308,000 | $ 61,600 | $ 10,000 |
| Pascagoula, MS | 5 | $ 452,000 | $ 90,400 | $ 31,000 |
| Richmond, VA | 5 | $ 443,000 | $ 88,600 | $ 21,000 |
| Warren-Farmington Hills-Troy, MI | 5 | $ 1,038,000 | $ 207,600 | $ 7,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 436,000 | $ 109,000 | $ 0 |
| Rapid City, SD | 4 | $ 354,000 | $ 88,500 | $ 52,000 |
| Amarillo, TX | 3 | $ 98,000 | $ 32,666 | $ 45,000 |
| Ames, IA | 3 | $ 298,000 | $ 99,333 | $ 18,000 |
| Charleston-North Charleston, SC | 3 | $ 256,000 | $ 85,333 | $ 14,000 |
| Chattanooga, TN-GA | 3 | $ 156,000 | $ 52,000 | $ 16,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 380,000 | $ 126,666 | $ 0 |
| Evansville, IN-KY | 3 | $ 194,000 | $ 64,666 | $ 34,000 |
| La Crosse, WI-MN | 3 | $ 281,000 | $ 93,666 | $ 23,000 |
| Lafayette, IN | 3 | $ 155,000 | $ 51,666 | $ 22,000 |
| Lincoln, NE | 3 | $ 327,000 | $ 109,000 | $ 0 |
| Modesto, CA | 3 | $ 361,000 | $ 120,333 | $ 58,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 194,000 | $ 64,666 | $ 12,000 |
| St. Cloud, MN | 3 | $ 426,000 | $ 142,000 | $ 42,000 |
| Stockton, CA | 3 | $ 610,000 | $ 203,333 | $ 49,000 |
| Abilene, TX | 2 | $ 105,000 | $ 52,500 | $ 30,000 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 133,000 | $ 66,500 | $ 0 |
| Cheyenne, WY | 2 | $ 197,000 | $ 98,500 | $ 0 |
| Colorado Springs, CO | 2 | $ 356,000 | $ 178,000 | $ 69,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 159,000 | $ 79,500 | $ 0 |
| Greenville, SC | 2 | $ 197,000 | $ 98,500 | $ 17,000 |
| Gulfport-Biloxi, MS | 2 | $ 270,000 | $ 135,000 | $ 73,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 400,000 | $ 200,000 | $ 39,000 |
| Macon, GA | 2 | $ 417,000 | $ 208,500 | $ 0 |
| New Haven-Milford, CT | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Rochester, MN | 2 | $ 270,000 | $ 135,000 | $ 114,000 |
| San Antonio, TX | 2 | $ 637,000 | $ 318,500 | $ 19,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 503,000 | $ 251,500 | $ 73,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 795,000 | $ 397,500 | $ 201,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 550,000 | $ 275,000 | $ 68,000 |
| Toledo, OH | 2 | $ 672,000 | $ 336,000 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Baltimore-Towson, MD | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 60,000 | $ 60,000 | $ 48,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 88,000 | $ 88,000 | $ 42,000 |
| Bloomington-Normal, IL | 1 | $ 288,000 | $ 288,000 | $ 114,000 |
| Brownsville-Harlingen, TX | 1 | $ 176,000 | $ 176,000 | $ 84,000 |
| Champaign-Urbana, IL | 1 | $ 129,000 | $ 129,000 | $ 34,000 |
| Clarksville, TN-KY | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Cleveland, TN | 1 | $ 126,000 | $ 126,000 | $ 101,000 |
| College Station-Bryan, TX | 1 | $ 35,000 | $ 35,000 | $ 11,000 |
| Columbus, IN | 1 | $ 111,000 | $ 111,000 | $ 30,000 |
| Dayton, OH | 1 | $ 90,000 | $ 90,000 | $ 47,000 |
| Decatur, IL | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Dubuque, IA | 1 | $ 112,000 | $ 112,000 | $ 52,000 |
| Grand Forks, ND-MN | 1 | $ 66,000 | $ 66,000 | $ 60,000 |
| Grand Junction, CO | 1 | $ 108,000 | $ 108,000 | $ 60,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Morristown, TN | 1 | $ 134,000 | $ 134,000 | $ 36,000 |
| Nassau-Suffolk, NY | 1 | $ 324,000 | $ 324,000 | $ 0 |
| Oakland-Fremont-Hayward, CA | 1 | $ 322,000 | $ 322,000 | $ 123,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 183,000 | $ 183,000 | $ 34,000 |
| Pine Bluff, AR | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 400,000 | $ 400,000 | $ 180,000 |
| Roanoke, VA | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Rochester, NY | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Salem, OR | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Salinas, CA | 1 | $ 394,000 | $ 394,000 | $ 63,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 284,000 | $ 284,000 | $ 62,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 473,000 | $ 473,000 | $ 212,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 227,000 | $ 227,000 | $ 62,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 77,000 | $ 77,000 | $ 40,000 |
| Sumter, SC | 1 | $ 64,000 | $ 64,000 | $ 44,000 |
| Tallahassee, FL | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Tyler, TX | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Wilmington, NC | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Worcester, MA | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Yuba City, CA | 1 | $ 329,000 | $ 329,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for First Capital Financial Servic in 2004
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 | 3,543 | $372,280,000 | $114,384 | $1,487,000 | $42,692 | $3,084,000 |
| Home Purchase | 2,782 | $306,448,000 | $132,363 | $999,000 | $24,606 | $1,968,000 |
| Home Improvement | 4 | $233,000 | $45,500 | $97,000 | $32,000 | $60,000 |
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 | 4,730 | $500,125,000 | $124,694 | $1,487,000 | $24,888 | $3,084,000 |
| White | 1,293 | $141,401,000 | $128,090 | $920,000 | $55,954 | $615,000 |
| Hispanic | 136 | $16,267,000 | $112,600 | $530,000 | $47,400 | $233,000 |
| Black or African American | 134 | $15,229,000 | $103,222 | $600,000 | $50,444 | $240,000 |
| Asian | 30 | $4,930,000 | $141,571 | $750,000 | $60,285 | $282,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $875,000 | $271,500 | $378,000 | $114,000 | $156,000 |
| American Indian or Alaskan Native | 2 | $134,000 | $67,000 | $90,000 | $30,500 | $31,000 |
| 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) | 6,255 | $671,887,000 | $125,638 | $1,487,000 | $26,888 | $3,084,000 |
| FHA-insured (Federal Housing Administration) | 70 | $6,683,000 | $99,000 | $170,000 | $39,000 | $123,000 |
| VA-guaranteed (Veterans Administration) | 4 | $391,000 | $105,333 | $134,000 | $59,000 | $81,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Approved But Not Accepted | 2,423 | $254,655,000 | $128,300 | $667,000 | $35,700 | $1,068,000 |
| Application Denied By Financial Institution | 1,651 | $171,042,000 | $119,781 | $1,487,000 | $21,406 | $3,084,000 |
| Loan Originated | 1,138 | $127,906,000 | $122,470 | $600,000 | $56,882 | $615,000 |
| Application Withdrawn By Applicant | 998 | $109,328,000 | $120,900 | $919,000 | $45,950 | $720,000 |
| File Closed For Incompleteness | 99 | $13,632,000 | $131,133 | $999,000 | $9,733 | $426,000 |
| Preapproval Approved but not Accepted | 17 | $1,691,000 | $99,000 | $148,000 | $48,000 | $59,000 |
| Preapproval Denied by Financial Institution | 3 | $707,000 | $235,000 | $388,000 | $67,000 | $99,000 |
| Loan Purchased By The 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 | 374 | $37,078,000 | $112,333 | $760,000 | $37,944 | $1,968,000 |
| Other | 361 | $37,276,000 | $107,826 | $554,000 | $50,826 | $1,836,000 |
| Debt-To-Income Ratio | 66 | $6,784,000 | $100,615 | $920,000 | $32,307 | $185,000 |
| Collateral | 66 | $6,381,000 | $114,866 | $324,000 | $32,466 | $780,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 31 | $2,988,000 | $111,100 | $282,000 | $31,300 | $1,260,000 |
| Employment History | 16 | $1,498,000 | $92,666 | $142,000 | $27,833 | $360,000 |
| Unverifiable Information | 15 | $1,744,000 | $123,000 | $287,000 | $46,000 | $276,000 |
| Credit Application Incomplete | 3 | $340,000 | $113,000 | $137,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Capital Financial Servic's 2004 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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