First Capital Financial Servic
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First Capital Financial Servic 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 | 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 | $126,408 |
| Highest Mortgage Loan Application Amount | $1,260,000 |
| Average Applicant Income | $34,408 |
| Highest Applicant Income | $1,620,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | $ 187,000 | $ 65,000 |
| APPLETON, WI | 147 | $ 21,418,000 | $ 145,000 | $ 102,000 |
| OSHKOSH-NEENAH, WI | 110 | $ 11,852,000 | $ 107,000 | $ 59,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 103 | $ 16,448,000 | $ 159,000 | $ 62,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 75 | $ 6,201,000 | $ 82,000 | $ 27,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 66 | $ 7,583,000 | $ 114,000 | $ 51,000 |
| DALLAS-PLANO-IRVING, TX | 48 | $ 6,452,000 | $ 134,000 | $ 54,000 |
| DES MOINES, IA | 47 | $ 6,070,000 | $ 129,000 | $ 14,000 |
| GARY, IN | 38 | $ 3,633,000 | $ 95,000 | $ 31,000 |
| HOUSTON-BAYTOWN-SUGAR LAND, TX | 38 | $ 4,632,000 | $ 121,000 | $ 7,000 |
| GREEN BAY, WI | 37 | $ 4,422,000 | $ 119,000 | $ 31,000 |
| INDIANAPOLIS, IN | 33 | $ 2,937,000 | $ 89,000 | $ 23,000 |
| FOND DU LAC, WI | 27 | $ 3,981,000 | $ 147,000 | $ 100,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 25 | $ 5,877,000 | $ 235,000 | $ 70,000 |
| ST. JOSEPH, MO-KS | 18 | $ 1,438,000 | $ 79,000 | $ 16,000 |
| FORT WORTH-ARLINGTON, TX | 17 | $ 2,261,000 | $ 133,000 | $ 19,000 |
| MADISON, WI | 17 | $ 2,573,000 | $ 151,000 | $ 26,000 |
| CEDAR RAPIDS, IA | 16 | $ 1,345,000 | $ 84,000 | $ 11,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 16 | $ 2,734,000 | $ 170,000 | $ 22,000 |
| WAUSAU, WI | 16 | $ 2,691,000 | $ 168,000 | $ 125,000 |
| ANDERSON, IN | 15 | $ 1,282,000 | $ 85,000 | $ 39,000 |
| MADERA, CA | 13 | $ 2,502,000 | $ 192,000 | $ 56,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 12 | $ 1,907,000 | $ 158,000 | $ 119,000 |
| SHEBOYGAN, WI | 12 | $ 2,052,000 | $ 171,000 | $ 62,000 |
| VISALIA-PORTERVILLE, CA | 11 | $ 1,876,000 | $ 170,000 | $ 60,000 |
| OKLAHOMA CITY, OK | 10 | $ 983,000 | $ 98,000 | $ 14,000 |
| FORT WAYNE, IN | 9 | $ 730,000 | $ 81,000 | $ 9,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 9 | $ 1,725,000 | $ 191,000 | $ 8,000 |
| JACKSON, MS | 8 | $ 823,000 | $ 102,000 | $ 31,000 |
| RACINE, WI | 7 | $ 1,172,000 | $ 167,000 | $ 21,000 |
| AKRON, OH | 6 | $ 276,000 | $ 46,000 | $ 32,000 |
| CHARLESTON, WV | 6 | $ 921,000 | $ 153,000 | $ 9,000 |
| COLORADO SPRINGS, CO | 6 | $ 692,000 | $ 115,000 | $ 123,000 |
| DENVER-AURORA, CO | 6 | $ 1,200,000 | $ 200,000 | $ 36,000 |
| FARGO, ND-MN | 6 | $ 646,000 | $ 107,000 | $ 27,000 |
| BISMARCK, ND | 5 | $ 604,000 | $ 120,000 | $ 11,000 |
| CAPE CORAL-FORT MYERS, FL | 5 | $ 637,000 | $ 127,000 | $ 49,000 |
| COLUMBUS, OH | 5 | $ 369,000 | $ 73,000 | $ 42,000 |
| DULUTH, MN-WI | 5 | $ 502,000 | $ 100,000 | $ 30,000 |
| EAU CLAIRE, WI | 5 | $ 366,000 | $ 73,000 | $ 32,000 |
| HANFORD-CORCORAN, CA | 5 | $ 823,000 | $ 164,000 | $ 47,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 5 | $ 463,000 | $ 92,000 | $ 10,000 |
| JANESVILLE, WI | 5 | $ 479,000 | $ 95,000 | $ 7,000 |
| KANSAS CITY, MO-KS | 5 | $ 498,000 | $ 99,000 | $ 0 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 5 | $ 521,000 | $ 104,000 | $ 9,000 |
| MERCED, CA | 5 | $ 1,113,000 | $ 222,000 | $ 97,000 |
| MORGANTOWN, WV | 5 | $ 642,000 | $ 128,000 | $ 0 |
| NEW HAVEN-MILFORD, CT | 5 | $ 1,104,000 | $ 220,000 | $ 35,000 |
| PARKERSBURG-MARIETTA, WV-OH | 5 | $ 376,000 | $ 75,000 | $ 0 |
| TERRE HAUTE, IN | 5 | $ 308,000 | $ 61,000 | $ 27,000 |
| BAKERSFIELD, CA | 4 | $ 966,000 | $ 241,000 | $ 87,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 4 | $ 478,000 | $ 119,000 | $ 41,000 |
| DUBUQUE, IA | 4 | $ 326,000 | $ 81,000 | $ 21,000 |
| JOHNSON CITY, TN | 4 | $ 257,000 | $ 64,000 | $ 24,000 |
| LA CROSSE, WI-MN | 4 | $ 524,000 | $ 131,000 | $ 340,000 |
| NEW YORK-WAYNE-WHITE PLAINS, NY-NJ | 4 | $ 1,233,000 | $ 308,000 | $ 52,000 |
| PEORIA, IL | 4 | $ 255,000 | $ 63,000 | $ 6,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 4 | $ 864,000 | $ 216,000 | $ 110,000 |
| WHEELING, WV-OH | 4 | $ 346,000 | $ 86,000 | $ 0 |
| CHAMPAIGN-URBANA, IL | 3 | $ 136,000 | $ 45,000 | $ 24,000 |
| IOWA CITY, IA | 3 | $ 703,000 | $ 234,000 | $ 32,000 |
| KANKAKEE-BRADLEY, IL | 3 | $ 199,000 | $ 66,000 | $ 33,000 |
| MEMPHIS, TN-MS-AR | 3 | $ 329,000 | $ 109,000 | $ 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 | $ 81,000 | $ 0 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 2 | $ 142,000 | $ 71,000 | $ 37,000 |
| KNOXVILLE, TN | 2 | $ 231,000 | $ 115,000 | $ 25,000 |
| LAFAYETTE, IN | 2 | $ 90,000 | $ 45,000 | $ 0 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 2 | $ 245,000 | $ 122,000 | $ 49,000 |
| MODESTO, CA | 2 | $ 495,000 | $ 247,000 | $ 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 | $ 203,000 | $ 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 | $ 59,000 | $ 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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