First Capital Group Mortgage Lending & HMDA Data, 2005
In 2005, First Capital Group of Irvine, CA reported 8,169 mortgage applications totaling $3.0 billion, down 11% from 2004. The average application was for $368,900, and applicants reported an average income of $155,888. 84% of its applications resulted in an originated loan and 1% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (3,192), Santa Ana-Anaheim-Irvine, CA (1,843) and Los Angeles-Long Beach-Glendale, CA (1,703) (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 | 8,169 |
| Total Mortgage Loan Application Amount | $3,013,546,000 |
| Average Mortgage Loan Application Amount | $368,900 |
| Highest Mortgage Loan Application Amount | $6,500,000 |
| Average Applicant Income | $155,888 |
| Highest Applicant Income | $8,875,000 |
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Act (HMDA) records First Capital Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Diego-Carlsbad-San Marcos, CA | 3,192 | $ 1,080,640,000 | $ 338,546 | $ 140,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,843 | $ 806,725,000 | $ 437,723 | $ 170,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,703 | $ 717,067,000 | $ 421,061 | $ 173,000 |
| Riverside-San Bernardino-Ontario, CA | 633 | $ 154,615,000 | $ 244,257 | $ 145,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 331 | $ 107,789,000 | $ 325,646 | $ 215,000 |
| San Luis Obispo-Paso Robles, CA | 123 | $ 35,916,000 | $ 292,000 | $ 119,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 86 | $ 33,621,000 | $ 390,941 | $ 156,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 65 | $ 12,345,000 | $ 189,923 | $ 101,000 |
| Bakersfield, CA | 22 | $ 4,357,000 | $ 198,045 | $ 163,000 |
| San Francisco-San Mateo-Redwood City, CA | 13 | $ 8,322,000 | $ 640,153 | $ 252,000 |
| Oakland-Fremont-Hayward, CA | 11 | $ 4,879,000 | $ 443,545 | $ 113,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 9 | $ 5,142,000 | $ 571,333 | $ 329,000 |
| Santa Cruz-Watsonville, CA | 9 | $ 3,040,000 | $ 337,777 | $ 143,000 |
| Las Vegas-Paradise, NV | 8 | $ 1,744,000 | $ 218,000 | $ 128,000 |
| Visalia-Porterville, CA | 8 | $ 1,324,000 | $ 165,500 | $ 95,000 |
| Modesto, CA | 6 | $ 1,086,000 | $ 181,000 | $ 97,000 |
| Santa Rosa-Petaluma, CA | 6 | $ 3,406,000 | $ 567,666 | $ 218,000 |
| Yuba City, CA | 6 | $ 947,000 | $ 157,833 | $ 62,000 |
| Boise City-Nampa, ID | 5 | $ 557,000 | $ 111,400 | $ 94,000 |
| El Centro, CA | 5 | $ 1,130,000 | $ 226,000 | $ 57,000 |
| Stockton, CA | 5 | $ 1,164,000 | $ 232,800 | $ 131,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,302,000 | $ 260,400 | $ 68,000 |
| Honolulu, HI | 4 | $ 3,103,000 | $ 775,750 | $ 349,000 |
| Salinas, CA | 4 | $ 1,429,000 | $ 357,250 | $ 289,000 |
| Anchorage, AK | 2 | $ 368,000 | $ 184,000 | $ 94,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 538,000 | $ 269,000 | $ 33,000 |
| Boston-Quincy, MA | 2 | $ 1,780,000 | $ 890,000 | $ 1,208,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 800,000 | $ 400,000 | $ 196,000 |
| Elizabethtown, KY | 2 | $ 250,000 | $ 125,000 | $ 67,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 399,000 | $ 199,500 | $ 118,000 |
| Salt Lake City, UT | 2 | $ 815,000 | $ 407,500 | $ 246,000 |
| Barnstable Town, MA | 1 | $ 1,100,000 | $ 1,100,000 | $ 1,263,000 |
| Colorado Springs, CO | 1 | $ 352,000 | $ 352,000 | $ 284,000 |
| Denver-Aurora, CO | 1 | $ 640,000 | $ 640,000 | $ 235,000 |
| Fresno, CA | 1 | $ 200,000 | $ 200,000 | $ 206,000 |
| Jacksonville, FL | 1 | $ 116,000 | $ 116,000 | $ 420,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 215,000 | $ 215,000 | $ 307,000 |
| Olympia, WA | 1 | $ 156,000 | $ 156,000 | $ 40,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 226,000 | $ 226,000 | $ 65,000 |
| Redding, CA | 1 | $ 465,000 | $ 465,000 | $ 87,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 612,000 | $ 612,000 | $ 232,000 |
| Spokane, WA | 1 | $ 474,000 | $ 474,000 | $ 303,000 |
| Wenatchee, WA | 1 | $ 222,000 | $ 222,000 | $ 50,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 75,000 | $ 75,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for First Capital Group 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 5,449 | $1,961,960,000 | $323,071 | $6,500,000 | $255,785 | $3,785,000 |
| Refinancing | 2,718 | $1,050,213,000 | $294,818 | $6,300,000 | $187,090 | $8,875,000 |
| Home Improvement | 2 | $1,373,000 | $686,000 | $945,000 | $195,000 | $288,000 |
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 | 5,256 | $2,058,581,000 | $344,066 | $6,300,000 | $269,000 | $8,875,000 |
| Hispanic | 1,286 | $347,374,000 | $200,000 | $1,677,000 | $69,000 | $1,167,000 |
| Not Provided | 1,001 | $399,910,000 | $256,833 | $5,600,000 | $198,000 | $2,487,000 |
| Asian | 361 | $126,918,000 | $351,000 | $1,840,000 | $145,000 | $2,458,000 |
| Black or African American | 167 | $52,190,000 | $372,000 | $6,500,000 | $205,666 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 78 | $22,763,000 | $468,666 | $1,000,000 | $247,333 | $432,000 |
| American Indian or Alaskan Native | 20 | $5,810,000 | $290,000 | $872,000 | $232,000 | $710,000 |
| 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) | 8,166 | $3,012,719,000 | $325,750 | $6,500,000 | $254,000 | $8,875,000 |
| FHA-insured (Federal Housing Administration) | 3 | $827,000 | $275,000 | $580,000 | $171,000 | $252,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 6,835 | $2,417,717,000 | $329,000 | $4,750,000 | $247,642 | $3,785,000 |
| Application Withdrawn By Applicant | 977 | $443,651,000 | $437,375 | $6,300,000 | $428,250 | $8,875,000 |
| Application Approved But Not Accepted | 185 | $75,797,000 | $409,000 | $6,500,000 | $183,000 | $3,240,000 |
| Application Denied By Financial Institution | 89 | $30,484,000 | $199,500 | $2,400,000 | $101,000 | $1,259,000 |
| File Closed For Incompleteness | 83 | $45,897,000 | $605,250 | $2,900,000 | $572,500 | $3,767,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4 | $839,000 | $209,000 | $624,000 | $152,000 | $174,000 |
| Credit History | 3 | $566,000 | $188,000 | $275,000 | $50,000 | $105,000 |
| Unverifiable Information | 2 | $299,000 | $149,000 | $239,000 | $81,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $444,000 | $222,000 | $374,000 | $79,000 | $79,000 |
| Collateral | 2 | $593,000 | $296,000 | $406,000 | $125,000 | $189,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Capital Group'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 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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