First Capital Group Mortgage Lending & HMDA Data, 2004
In 2004, First Capital Group of Irvine, CA reported 9,132 mortgage applications totaling $2.9 billion, up 34% from 2003. The average application was for $313,447, and applicants reported an average income of $134,661. 85% of its applications resulted in an originated loan and 1% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (3,679), Santa Ana-Anaheim-Irvine, CA (2,280) and Los Angeles-Long Beach-Glendale, CA (1,493) (applications in parentheses).
| Mortgage Company & Address | First Capital Group 2405 McCabe Way, Ste 213 Irvine, CA 92614 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 9,132 |
| Total Mortgage Loan Application Amount | $2,862,400,000 |
| Average Mortgage Loan Application Amount | $313,447 |
| Highest Mortgage Loan Application Amount | $5,850,000 |
| Average Applicant Income | $134,661 |
| Highest Applicant Income | $4,333,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Capital Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| San Diego, California | 3,679 | $ 1,113,559,000 | $ 302,679 | $ 121,000 |
| Orange, California | 2,280 | $ 833,264,000 | $ 365,466 | $ 127,000 |
| Los Angeles, California | 1,493 | $ 527,012,000 | $ 352,988 | $ 151,000 |
| Riverside, California | 873 | $ 184,502,000 | $ 211,342 | $ 102,000 |
| Santa Barbara, California | 286 | $ 81,434,000 | $ 284,734 | $ 121,000 |
| San Bernardino, California | 218 | $ 38,929,000 | $ 178,573 | $ 97,000 |
| San Luis Obispo, California | 69 | $ 17,739,000 | $ 257,086 | $ 150,000 |
| Ventura, California | 55 | $ 15,757,000 | $ 286,490 | $ 105,000 |
| Kern, California | 30 | $ 4,184,000 | $ 139,466 | $ 134,000 |
| Contra Costa, California | 17 | $ 6,263,000 | $ 368,411 | $ 221,000 |
| Imperial, California | 12 | $ 1,449,000 | $ 120,750 | $ 97,000 |
| Sacramento, California | 11 | $ 1,727,000 | $ 157,000 | $ 82,000 |
| Alameda, California | 7 | $ 2,028,000 | $ 289,714 | $ 163,000 |
| Fresno, California | 7 | $ 1,221,000 | $ 174,428 | $ 150,000 |
| Mono, California | 7 | $ 1,850,000 | $ 264,285 | $ 714,000 |
| Clark, Nevada | 6 | $ 1,894,000 | $ 315,666 | $ 190,000 |
| San Francisco, California | 5 | $ 2,887,000 | $ 577,400 | $ 311,000 |
| Placer, California | 4 | $ 673,000 | $ 168,250 | $ 92,000 |
| San Joaquin, California | 4 | $ 571,000 | $ 142,750 | $ 0 |
| Santa Clara, California | 4 | $ 1,831,000 | $ 457,750 | $ 106,000 |
| Santa Cruz, California | 4 | $ 934,000 | $ 233,500 | $ 116,000 |
| Polk, Iowa | 4 | $ 254,000 | $ 63,500 | $ 48,000 |
| El Dorado, California | 3 | $ 815,000 | $ 271,666 | $ 79,000 |
| Solano, California | 3 | $ 705,000 | $ 235,000 | $ 87,000 |
| Gwinnett, Georgia | 3 | $ 830,000 | $ 276,666 | $ 217,000 |
| Dukes, Massachusetts | 3 | $ 4,075,000 | $ 1,358,333 | $ 4,206,000 |
| Summit, Utah | 3 | $ 1,247,000 | $ 415,666 | $ 173,000 |
| Nevada, California | 2 | $ 930,000 | $ 465,000 | $ 234,000 |
| Stanislaus, California | 2 | $ 481,000 | $ 240,500 | $ 96,000 |
| Sutter, California | 2 | $ 324,000 | $ 162,000 | $ 180,000 |
| Yolo, California | 2 | $ 292,000 | $ 146,000 | $ 328,000 |
| Douglas, Colorado | 2 | $ 545,000 | $ 272,500 | $ 187,000 |
| Jefferson, Colorado | 2 | $ 831,000 | $ 415,500 | $ 252,000 |
| Maui, Hawaii | 2 | $ 1,160,000 | $ 580,000 | $ 378,000 |
| Hardin, Kentucky | 2 | $ 166,000 | $ 83,000 | $ 47,000 |
| Suffolk, Massachusetts | 2 | $ 1,800,000 | $ 900,000 | $ 1,589,000 |
| Flathead, Montana | 2 | $ 316,000 | $ 158,000 | $ 666,000 |
| Salt Lake, Utah | 2 | $ 498,000 | $ 249,000 | $ 74,000 |
| La Paz, Arizona | 1 | $ 72,000 | $ 72,000 | $ 66,000 |
| Lassen, California | 1 | $ 130,000 | $ 130,000 | $ 39,000 |
| Madera, California | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Marin, California | 1 | $ 446,000 | $ 446,000 | $ 157,000 |
| Merced, California | 1 | $ 167,000 | $ 167,000 | $ 48,000 |
| Monterey, California | 1 | $ 400,000 | $ 400,000 | $ 49,000 |
| Sonoma, California | 1 | $ 646,000 | $ 646,000 | $ 234,000 |
| Arapahoe, Colorado | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| New Castle, Delaware | 1 | $ 276,000 | $ 276,000 | $ 141,000 |
| District of Columbia, District Of Columbia | 1 | $ 491,000 | $ 491,000 | $ 132,000 |
| Honolulu, Hawaii | 1 | $ 434,000 | $ 434,000 | $ 0 |
| Kauai, Hawaii | 1 | $ 276,000 | $ 276,000 | $ 118,000 |
| Cook, Illinois | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Knox, Maine | 1 | $ 490,000 | $ 490,000 | $ 135,000 |
| Plymouth, Massachusetts | 1 | $ 1,000,000 | $ 1,000,000 | $ 4,100,000 |
| Powell, Montana | 1 | $ 118,000 | $ 118,000 | $ 318,000 |
| Douglas, Nevada | 1 | $ 151,000 | $ 151,000 | $ 366,000 |
| Utah, Utah | 1 | $ 495,000 | $ 495,000 | $ 184,000 |
| Washington, Utah | 1 | $ 156,000 | $ 156,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for First Capital Group 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 5,913 | $1,825,772,000 | $363,636 | $5,850,000 | $246,454 | $4,141,000 |
| Refinancing | 3,217 | $1,035,598,000 | $480,222 | $5,000,000 | $660,444 | $4,333,000 |
| Home Improvement | 2 | $1,030,000 | $515,000 | $900,000 | $200,000 | $200,000 |
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 |
|---|---|---|---|---|---|---|
| White | 5,954 | $1,982,535,000 | $349,500 | $5,000,000 | $400,285 | $4,333,000 |
| Hispanic | 1,319 | $319,446,000 | $338,000 | $5,850,000 | $49,500 | $3,174,000 |
| Not Provided | 1,148 | $365,465,000 | $345,000 | $2,500,000 | $234,800 | $2,202,000 |
| Asian | 429 | $123,877,000 | $288,000 | $1,885,000 | $119,000 | $760,000 |
| Black or African American | 196 | $49,980,000 | $471,000 | $2,000,000 | $155,250 | $2,100,000 |
| Native Hawaiian or Other Pacific Islander | 53 | $12,478,000 | $235,000 | $816,000 | $79,000 | $227,000 |
| American Indian or Alaskan Native | 30 | $7,814,000 | $260,000 | $900,000 | $165,000 | $312,000 |
| Not applicable | 3 | $805,000 | $268,000 | $313,000 | $77,000 | $84,000 |
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) | 9,079 | $2,852,243,000 | $390,933 | $5,850,000 | $381,933 | $4,333,000 |
| FHA-insured (Federal Housing Administration) | 39 | $7,103,000 | $182,000 | $296,000 | $52,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,542,000 | $220,000 | $324,000 | $150,000 | $232,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,512,000 | $216,000 | $334,000 | $56,000 | $90,000 |
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 | 7,806 | $2,405,124,000 | $368,785 | $5,850,000 | $461,500 | $4,333,000 |
| Application Withdrawn By Applicant | 959 | $319,905,000 | $513,666 | $4,000,000 | $729,333 | $4,100,000 |
| Application Approved But Not Accepted | 179 | $51,796,000 | $289,000 | $2,415,000 | $134,000 | $1,662,000 |
| Application Denied By Financial Institution | 134 | $50,360,000 | $375,000 | $2,115,000 | $118,000 | $674,000 |
| File Closed For Incompleteness | 54 | $35,215,000 | $391,500 | $5,000,000 | $237,500 | $840,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 13 | $4,601,000 | $353,000 | $1,000,000 | $139,000 | $480,000 |
| Unverifiable Information | 4 | $725,000 | $181,000 | $400,000 | $86,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,077,000 | $269,000 | $531,000 | $120,000 | $172,000 |
| Credit History | 4 | $1,070,000 | $267,000 | $385,000 | $48,000 | $126,000 |
| Debt-To-Income Ratio | 4 | $671,000 | $167,000 | $488,000 | $134,000 | $171,000 |
| Collateral | 3 | $1,529,000 | $509,000 | $900,000 | $117,000 | $200,000 |
| Credit Application Incomplete | 2 | $1,081,000 | $540,000 | $598,000 | $120,000 | $240,000 |
| 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 First Capital Group'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 Group'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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