First Federal Capital Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
First Federal Capital Bank 2003 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 Federal Capital Bank 605 State St Lacrosse, WI 54601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 30,088 |
| Total Mortgage Loan Application Amount | $3,156,069,000 |
| Average Mortgage Loan Application Amount | $209,958 |
| Highest Mortgage Loan Application Amount | $5,544,000 |
| Average Applicant Income | $51,625 |
| Highest Applicant Income | $4,651,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with First Federal Capital Bank. 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 Federal Capital Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down First Federal Capital Bank'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 Federal Capital Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Federal Capital Bank, 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 Federal Capital Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dane County Wisconsin | 5,099 | $ 607,615,000 | $ 119,000 | $ 55,000 |
| Rock County Wisconsin | 3,160 | $ 265,815,000 | $ 84,000 | $ 48,000 |
| La Crosse County Wisconsin | 2,919 | $ 264,332,000 | $ 90,000 | $ 57,000 |
| St. Croix County Wisconsin | 2,080 | $ 289,836,000 | $ 139,000 | $ 88,000 |
| Eau Claire County Wisconsin | 1,928 | $ 188,261,000 | $ 97,000 | $ 56,000 |
| Winnebago County Illinois | 1,733 | $ 142,684,000 | $ 82,000 | $ 47,000 |
| Marathon County Wisconsin | 1,352 | $ 124,740,000 | $ 92,000 | $ 51,000 |
| Outagamie County Wisconsin | 1,095 | $ 107,747,000 | $ 98,000 | $ 54,000 |
| Winnebago County Wisconsin | 889 | $ 88,230,000 | $ 99,000 | $ 49,000 |
| Olmsted County Minnesota | 792 | $ 108,602,000 | $ 137,000 | $ 94,000 |
| Jefferson County Wisconsin | 733 | $ 79,576,000 | $ 108,000 | $ 55,000 |
| Chippewa County Wisconsin | 520 | $ 53,100,000 | $ 102,000 | $ 53,000 |
| Pierce County Wisconsin | 410 | $ 52,952,000 | $ 129,000 | $ 75,000 |
| Brown County Wisconsin | 374 | $ 39,317,000 | $ 105,000 | $ 53,000 |
| Vernon County Wisconsin | 338 | $ 27,151,000 | $ 80,000 | $ 44,000 |
| Columbia County Wisconsin | 335 | $ 39,544,000 | $ 118,000 | $ 63,000 |
| Green County Wisconsin | 325 | $ 31,160,000 | $ 95,000 | $ 59,000 |
| Washington County Minnesota | 300 | $ 45,638,000 | $ 152,000 | $ 93,000 |
| Ramsey County Minnesota | 281 | $ 32,678,000 | $ 116,000 | $ 86,000 |
| Calumet County Wisconsin | 267 | $ 29,961,000 | $ 112,000 | $ 69,000 |
| Houston County Minnesota | 237 | $ 23,346,000 | $ 98,000 | $ 64,000 |
| Walworth County Wisconsin | 234 | $ 26,144,000 | $ 111,000 | $ 50,000 |
| Monroe County Wisconsin | 203 | $ 17,369,000 | $ 85,000 | $ 62,000 |
| Hennepin County Minnesota | 173 | $ 32,413,000 | $ 187,000 | $ 69,000 |
| Shawano County Wisconsin | 165 | $ 14,153,000 | $ 85,000 | $ 44,000 |
| Richland County Wisconsin | 164 | $ 10,425,000 | $ 63,000 | $ 52,000 |
| Trempealeau County Wisconsin | 153 | $ 12,967,000 | $ 84,000 | $ 53,000 |
| Sauk County Wisconsin | 143 | $ 14,663,000 | $ 102,000 | $ 60,000 |
| Kenosha County Wisconsin | 140 | $ 12,320,000 | $ 88,000 | $ 54,000 |
| Crawford County Wisconsin | 138 | $ 7,607,000 | $ 55,000 | $ 45,000 |
| Boone County Illinois | 133 | $ 15,862,000 | $ 119,000 | $ 63,000 |
| Manitowoc County Wisconsin | 125 | $ 9,393,000 | $ 75,000 | $ 49,000 |
| Fond du Lac County Wisconsin | 118 | $ 8,591,000 | $ 72,000 | $ 48,000 |
| Sheboygan County Wisconsin | 118 | $ 8,763,000 | $ 74,000 | $ 49,000 |
| Dunn County Wisconsin | 117 | $ 14,513,000 | $ 124,000 | $ 73,000 |
| Racine County Wisconsin | 117 | $ 9,621,000 | $ 82,000 | $ 49,000 |
| Waupaca County Wisconsin | 117 | $ 9,820,000 | $ 83,000 | $ 46,000 |
| Dakota County Minnesota | 111 | $ 15,984,000 | $ 144,000 | $ 69,000 |
| Wood County Wisconsin | 85 | $ 4,360,000 | $ 51,000 | $ 42,000 |
| Milwaukee County Wisconsin | 82 | $ 13,776,000 | $ 168,000 | $ 64,000 |
| Polk County Iowa | 76 | $ 6,645,000 | $ 87,000 | $ 79,000 |
| Polk County Wisconsin | 73 | $ 9,214,000 | $ 126,000 | $ 80,000 |
| Lincoln County Wisconsin | 72 | $ 5,582,000 | $ 77,000 | $ 59,000 |
| Winona County Minnesota | 69 | $ 7,095,000 | $ 102,000 | $ 75,000 |
| Anoka County Minnesota | 67 | $ 13,798,000 | $ 205,000 | $ 60,000 |
| Iowa County Wisconsin | 66 | $ 7,540,000 | $ 114,000 | $ 57,000 |
| Waukesha County Wisconsin | 65 | $ 12,212,000 | $ 187,000 | $ 88,000 |
| Cook County Illinois | 64 | $ 8,311,000 | $ 129,000 | $ 76,000 |
| Oneida County Wisconsin | 45 | $ 4,949,000 | $ 109,000 | $ 140,000 |
| Barron County Wisconsin | 44 | $ 4,648,000 | $ 105,000 | $ 123,000 |
| Buffalo County Wisconsin | 44 | $ 3,350,000 | $ 76,000 | $ 63,000 |
| Ogle County Illinois | 41 | $ 3,686,000 | $ 89,000 | $ 53,000 |
| Dodge County Wisconsin | 41 | $ 5,320,000 | $ 129,000 | $ 58,000 |
| Stephenson County Illinois | 40 | $ 4,056,000 | $ 101,000 | $ 72,000 |
| Adams County Wisconsin | 40 | $ 3,085,000 | $ 77,000 | $ 62,000 |
| Dodge County Minnesota | 39 | $ 4,169,000 | $ 106,000 | $ 60,000 |
| Oconto County Wisconsin | 39 | $ 3,699,000 | $ 94,000 | $ 59,000 |
| Grant County Wisconsin | 37 | $ 2,193,000 | $ 59,000 | $ 48,000 |
| Lafayette County Wisconsin | 37 | $ 2,662,000 | $ 71,000 | $ 44,000 |
| Black Hawk County Iowa | 36 | $ 2,579,000 | $ 71,000 | $ 61,000 |
| Portage County Wisconsin | 36 | $ 3,209,000 | $ 89,000 | $ 42,000 |
| Sawyer County Wisconsin | 34 | $ 4,052,000 | $ 119,000 | $ 82,000 |
| Mower County Minnesota | 33 | $ 1,595,000 | $ 48,000 | $ 42,000 |
| Jackson County Wisconsin | 33 | $ 2,752,000 | $ 83,000 | $ 56,000 |
| Waushara County Wisconsin | 33 | $ 2,836,000 | $ 85,000 | $ 46,000 |
| Goodhue County Minnesota | 32 | $ 3,287,000 | $ 102,000 | $ 68,000 |
| Lake County Illinois | 31 | $ 3,512,000 | $ 113,000 | $ 68,000 |
| Linn County Iowa | 31 | $ 2,739,000 | $ 88,000 | $ 66,000 |
| Langlade County Wisconsin | 31 | $ 4,436,000 | $ 143,000 | $ 102,000 |
| Juneau County Wisconsin | 30 | $ 2,444,000 | $ 81,000 | $ 70,000 |
| Pepin County Wisconsin | 30 | $ 2,677,000 | $ 89,000 | $ 71,000 |
| Vilas County Wisconsin | 30 | $ 3,623,000 | $ 120,000 | $ 100,000 |
| Rusk County Wisconsin | 27 | $ 2,403,000 | $ 89,000 | $ 71,000 |
| Will County Illinois | 26 | $ 2,734,000 | $ 105,000 | $ 72,000 |
| Burnett County Wisconsin | 26 | $ 2,494,000 | $ 95,000 | $ 51,000 |
| Chisago County Minnesota | 23 | $ 4,218,000 | $ 183,000 | $ 502,000 |
| DuPage County Illinois | 22 | $ 3,239,000 | $ 147,000 | $ 78,000 |
| Freeborn County Minnesota | 22 | $ 1,778,000 | $ 80,000 | $ 56,000 |
| Green Lake County Wisconsin | 22 | $ 2,819,000 | $ 128,000 | $ 81,000 |
| Wabasha County Minnesota | 20 | $ 2,616,000 | $ 130,000 | $ 73,000 |
| Clayton County Iowa | 19 | $ 887,000 | $ 46,000 | $ 54,000 |
| Marinette County Wisconsin | 18 | $ 1,573,000 | $ 87,000 | $ 64,000 |
| Fillmore County Minnesota | 17 | $ 1,497,000 | $ 88,000 | $ 44,000 |
| McHenry County Illinois | 16 | $ 2,371,000 | $ 148,000 | $ 74,000 |
| Rock Island County Illinois | 16 | $ 862,000 | $ 53,000 | $ 98,000 |
| Scott County Minnesota | 16 | $ 4,423,000 | $ 276,000 | $ 70,000 |
| Marquette County Wisconsin | 15 | $ 1,348,000 | $ 89,000 | $ 66,000 |
| Washburn County Wisconsin | 15 | $ 2,007,000 | $ 133,000 | $ 109,000 |
| Washington County Wisconsin | 14 | $ 1,517,000 | $ 108,000 | $ 74,000 |
| Bremer County Iowa | 13 | $ 1,056,000 | $ 81,000 | $ 65,000 |
| Cerro Gordo County Iowa | 13 | $ 1,039,000 | $ 79,000 | $ 54,000 |
| Blue Earth County Minnesota | 13 | $ 1,298,000 | $ 99,000 | $ 47,000 |
| Door County Wisconsin | 13 | $ 1,414,000 | $ 108,000 | $ 55,000 |
| Allamakee County Iowa | 12 | $ 855,000 | $ 71,000 | $ 75,000 |
| Story County Iowa | 12 | $ 915,000 | $ 76,000 | $ 72,000 |
| Carver County Minnesota | 12 | $ 1,503,000 | $ 125,000 | $ 90,000 |
| Kane County Illinois | 11 | $ 1,712,000 | $ 155,000 | $ 98,000 |
| Des Moines County Iowa | 11 | $ 845,000 | $ 76,000 | $ 58,000 |
| Henry County Iowa | 11 | $ 765,000 | $ 69,000 | $ 84,000 |
| Wright County Minnesota | 11 | $ 2,240,000 | $ 203,000 | $ 67,000 |
| Clark County Wisconsin | 11 | $ 1,250,000 | $ 113,000 | $ 50,000 |
| Kewaunee County Wisconsin | 11 | $ 701,000 | $ 63,000 | $ 28,000 |
| Ozaukee County Wisconsin | 11 | $ 1,272,000 | $ 115,000 | $ 76,000 |
| Hamilton County Iowa | 10 | $ 624,000 | $ 62,000 | $ 51,000 |
| Douglas County Nebraska | 10 | $ 9,581,000 | $ 958,000 | $ 0 |
| Taylor County Wisconsin | 10 | $ 1,008,000 | $ 100,000 | $ 54,000 |
| Dallas County Iowa | 9 | $ 1,311,000 | $ 145,000 | $ 103,000 |
| Johnson County Iowa | 9 | $ 724,000 | $ 80,000 | $ 84,000 |
| Scott County Iowa | 9 | $ 1,750,000 | $ 194,000 | $ 45,000 |
| Winneshiek County Iowa | 9 | $ 616,000 | $ 68,000 | $ 85,000 |
| Isanti County Minnesota | 9 | $ 1,318,000 | $ 146,000 | $ 82,000 |
| Forest County Wisconsin | 9 | $ 1,406,000 | $ 156,000 | $ 146,000 |
| Webster County Iowa | 8 | $ 497,000 | $ 62,000 | $ 57,000 |
| Grundy County Iowa | 7 | $ 575,000 | $ 82,000 | $ 60,000 |
| Butler County Iowa | 6 | $ 423,000 | $ 70,000 | $ 64,000 |
| Jackson County Iowa | 6 | $ 563,000 | $ 93,000 | $ 61,000 |
| Nicollet County Minnesota | 6 | $ 690,000 | $ 115,000 | $ 82,000 |
| Stearns County Minnesota | 6 | $ 2,485,000 | $ 414,000 | $ 55,000 |
| Bayfield County Wisconsin | 6 | $ 621,000 | $ 103,000 | $ 86,000 |
| DeKalb County Illinois | 5 | $ 593,000 | $ 118,000 | $ 89,000 |
| Benton County Iowa | 5 | $ 305,000 | $ 61,000 | $ 67,000 |
| Cass County Iowa | 5 | $ 369,000 | $ 73,000 | $ 38,000 |
| Dickinson County Iowa | 5 | $ 576,000 | $ 115,000 | $ 72,000 |
| Dubuque County Iowa | 5 | $ 368,000 | $ 73,000 | $ 43,000 |
| Montgomery County Iowa | 5 | $ 439,000 | $ 87,000 | $ 57,000 |
| Sioux County Iowa | 5 | $ 276,000 | $ 55,000 | $ 47,000 |
| Rice County Minnesota | 5 | $ 618,000 | $ 123,000 | $ 108,000 |
| St. Louis County Minnesota | 5 | $ 490,000 | $ 98,000 | $ 104,000 |
| Douglas County Wisconsin | 5 | $ 395,000 | $ 79,000 | $ 58,000 |
| Carroll County Iowa | 4 | $ 335,000 | $ 83,000 | $ 52,000 |
| Cedar County Iowa | 4 | $ 237,000 | $ 59,000 | $ 45,000 |
| Clinton County Iowa | 4 | $ 360,000 | $ 90,000 | $ 83,000 |
| Delaware County Iowa | 4 | $ 329,000 | $ 82,000 | $ 59,000 |
| Humboldt County Iowa | 4 | $ 318,000 | $ 79,000 | $ 107,000 |
| Iowa County Iowa | 4 | $ 248,000 | $ 62,000 | $ 74,000 |
| Jasper County Iowa | 4 | $ 304,000 | $ 76,000 | $ 89,000 |
| Mahaska County Iowa | 4 | $ 370,000 | $ 92,000 | $ 76,000 |
| Winnebago County Iowa | 4 | $ 334,000 | $ 83,000 | $ 59,000 |
| Woodbury County Iowa | 4 | $ 213,000 | $ 53,000 | $ 68,000 |
| Sherburne County Minnesota | 4 | $ 484,000 | $ 121,000 | $ 64,000 |
| Steele County Minnesota | 4 | $ 519,000 | $ 129,000 | $ 38,000 |
| Henry County Illinois | 3 | $ 184,000 | $ 61,000 | $ 51,000 |
| Whiteside County Illinois | 3 | $ 185,000 | $ 61,000 | $ 42,000 |
| Chickasaw County Iowa | 3 | $ 151,000 | $ 50,000 | $ 42,000 |
| Clay County Iowa | 3 | $ 189,000 | $ 63,000 | $ 64,000 |
| Hardin County Iowa | 3 | $ 304,000 | $ 101,000 | $ 85,000 |
| Jones County Iowa | 3 | $ 264,000 | $ 88,000 | $ 46,000 |
| Madison County Iowa | 3 | $ 472,000 | $ 157,000 | $ 59,000 |
| Osceola County Iowa | 3 | $ 139,000 | $ 46,000 | $ 46,000 |
| Plymouth County Iowa | 3 | $ 210,000 | $ 70,000 | $ 60,000 |
| Pocahontas County Iowa | 3 | $ 282,000 | $ 94,000 | $ 68,000 |
| Tama County Iowa | 3 | $ 215,000 | $ 71,000 | $ 61,000 |
| Washington County Iowa | 3 | $ 217,000 | $ 72,000 | $ 66,000 |
| Gogebic County Michigan | 3 | $ 72,000 | $ 24,000 | $ 70,000 |
| Cass County Minnesota | 3 | $ 256,000 | $ 85,000 | $ 62,000 |
| Crow Wing County Minnesota | 3 | $ 281,000 | $ 93,000 | $ 135,000 |
| Douglas County Minnesota | 3 | $ 1,620,000 | $ 540,000 | $ 298,000 |
| Mille Lacs County Minnesota | 3 | $ 171,000 | $ 57,000 | $ 68,000 |
| Otter Tail County Minnesota | 3 | $ 430,000 | $ 143,000 | $ 100,000 |
| Cass County North Dakota | 3 | $ 1,071,000 | $ 357,000 | $ 0 |
| Iron County Wisconsin | 3 | $ 267,000 | $ 89,000 | $ 59,000 |
| Menominee County Wisconsin | 3 | $ 385,000 | $ 128,000 | $ 93,000 |
| Price County Wisconsin | 3 | $ 387,000 | $ 129,000 | $ 71,000 |
| Osceola County Florida | 2 | $ 15,000 | $ 7,000 | $ 61,000 |
| Sangamon County Illinois | 2 | $ 307,000 | $ 153,000 | $ 70,000 |
| Woodford County Illinois | 2 | $ 237,000 | $ 118,000 | $ 86,000 |
| Buchanan County Iowa | 2 | $ 128,000 | $ 64,000 | $ 29,000 |
| Fayette County Iowa | 2 | $ 109,000 | $ 54,000 | $ 106,000 |
| Fremont County Iowa | 2 | $ 116,000 | $ 58,000 | $ 73,000 |
| Hancock County Iowa | 2 | $ 109,000 | $ 54,000 | $ 64,000 |
| Keokuk County Iowa | 2 | $ 104,000 | $ 52,000 | $ 50,000 |
| Kossuth County Iowa | 2 | $ 143,000 | $ 71,000 | $ 45,000 |
| Lyon County Iowa | 2 | $ 148,000 | $ 74,000 | $ 56,000 |
| Marion County Iowa | 2 | $ 170,000 | $ 85,000 | $ 61,000 |
| Monona County Iowa | 2 | $ 185,000 | $ 92,000 | $ 85,000 |
| O'Brien County Iowa | 2 | $ 140,000 | $ 70,000 | $ 61,000 |
| Pottawattamie County Iowa | 2 | $ 124,000 | $ 62,000 | $ 48,000 |
| Warren County Iowa | 2 | $ 109,000 | $ 54,000 | $ 69,000 |
| Wright County Iowa | 2 | $ 114,000 | $ 57,000 | $ 89,000 |
| Aitkin County Minnesota | 2 | $ 93,000 | $ 46,000 | $ 51,000 |
| Faribault County Minnesota | 2 | $ 573,000 | $ 286,000 | $ 59,000 |
| Hubbard County Minnesota | 2 | $ 554,000 | $ 277,000 | $ 41,000 |
| Kanabec County Minnesota | 2 | $ 211,000 | $ 105,000 | $ 52,000 |
| Pine County Minnesota | 2 | $ 248,000 | $ 124,000 | $ 115,000 |
| Santa Clara County California | 1 | $ 10,000 | $ 10,000 | $ 110,000 |
| Kendall County Illinois | 1 | $ 139,000 | $ 139,000 | $ 63,000 |
| LaSalle County Illinois | 1 | $ 147,000 | $ 147,000 | $ 69,000 |
| Lee County Illinois | 1 | $ 63,000 | $ 63,000 | $ 258,000 |
| Tazewell County Illinois | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
| Lake County Indiana | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Calhoun County Iowa | 1 | $ 66,000 | $ 66,000 | $ 254,000 |
| Cherokee County Iowa | 1 | $ 54,000 | $ 54,000 | $ 43,000 |
| Decatur County Iowa | 1 | $ 56,000 | $ 56,000 | $ 74,000 |
| Floyd County Iowa | 1 | $ 111,000 | $ 111,000 | $ 32,000 |
| Franklin County Iowa | 1 | $ 66,000 | $ 66,000 | $ 158,000 |
| Greene County Iowa | 1 | $ 87,000 | $ 87,000 | $ 34,000 |
| Guthrie County Iowa | 1 | $ 77,000 | $ 77,000 | $ 17,000 |
| Lee County Iowa | 1 | $ 61,000 | $ 61,000 | $ 68,000 |
| Marshall County Iowa | 1 | $ 78,000 | $ 78,000 | $ 68,000 |
| Mills County Iowa | 1 | $ 72,000 | $ 72,000 | $ 100,000 |
| Mitchell County Iowa | 1 | $ 96,000 | $ 96,000 | $ 74,000 |
| Page County Iowa | 1 | $ 56,000 | $ 56,000 | $ 67,000 |
| Shelby County Iowa | 1 | $ 69,000 | $ 69,000 | $ 75,000 |
| Wapello County Iowa | 1 | $ 39,000 | $ 39,000 | $ 68,000 |
| Worth County Iowa | 1 | $ 25,000 | $ 25,000 | $ 76,000 |
| Brown County Kansas | 1 | $ 6,000 | $ 6,000 | $ 40,000 |
| Benton County Minnesota | 1 | $ 159,000 | $ 159,000 | $ 80,000 |
| Brown County Minnesota | 1 | $ 12,000 | $ 12,000 | $ 66,000 |
| Carlton County Minnesota | 1 | $ 39,000 | $ 39,000 | $ 15,000 |
| Cook County Minnesota | 1 | $ 244,000 | $ 244,000 | $ 93,000 |
| Itasca County Minnesota | 1 | $ 236,000 | $ 236,000 | $ 42,000 |
| Le Sueur County Minnesota | 1 | $ 86,000 | $ 86,000 | $ 61,000 |
| Morrison County Minnesota | 1 | $ 207,000 | $ 207,000 | $ 86,000 |
| Todd County Minnesota | 1 | $ 77,000 | $ 77,000 | $ 142,000 |
| Dodge County Nebraska | 1 | $ 71,000 | $ 71,000 | $ 90,000 |
| Grand Forks County North Dakota | 1 | $ 424,000 | $ 424,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Federal Capital Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 22,537 | $2,369,451,000 | $95,600 | $2,900,000 | $72,200 | $2,083,000 |
| Home Purchase (one-to-four family) | 4,992 | $628,446,000 | $120,000 | $1,280,000 | $78,000 | $4,651,000 |
| Home Improvement (one-to-four family) | 2,403 | $54,871,000 | $21,555 | $475,000 | $62,888 | $600,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 156 | $103,301,000 | $647,833 | $5,544,000 | $0 | $0 |
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 | 28,014 | $2,929,742,000 | $129,625 | $4,960,000 | $55,000 | $2,294,000 |
| Asian or Pacific Islander | 618 | $71,437,000 | $105,500 | $1,000,000 | $73,000 | $402,000 |
| Information not provided by applicant in mail or telephone application | 565 | $17,330,000 | $31,666 | $520,000 | $71,500 | $737,000 |
| Hispanic | 375 | $26,700,000 | $93,250 | $323,000 | $59,000 | $216,000 |
| Black | 243 | $23,991,000 | $94,333 | $336,000 | $74,666 | $396,000 |
| Not applicable | 103 | $73,315,000 | $787,750 | $5,544,000 | $93,750 | $4,651,000 |
| American Indian or Alaskan Native | 100 | $6,147,000 | $37,166 | $204,000 | $43,666 | $238,000 |
| Other | 70 | $7,407,000 | $95,000 | $300,000 | $91,000 | $254,000 |
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) | 29,702 | $3,113,483,000 | $159,000 | $5,544,000 | $56,636 | $4,651,000 |
| VA-guaranteed (Veterans Administration) | 203 | $24,170,000 | $119,000 | $288,000 | $54,333 | $200,000 |
| FHA-insured (Federal Housing Administration) | 136 | $13,217,000 | $103,333 | $269,000 | $44,666 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 47 | $5,199,000 | $110,000 | $172,000 | $41,000 | $66,000 |
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 | 27,153 | $2,859,672,000 | $208,888 | $5,544,000 | $60,333 | $4,651,000 |
| Application Withdrawn By Applicant | 1,031 | $128,581,000 | $153,333 | $3,400,000 | $50,833 | $2,054,000 |
| Application Denied By Financial Institution | 1,002 | $78,707,000 | $101,666 | $2,925,000 | $37,666 | $474,000 |
| Application Approved But Not Accepted | 509 | $50,164,000 | $104,500 | $650,000 | $71,500 | $399,000 |
| File Closed For Incompleteness | 393 | $38,945,000 | $104,000 | $1,280,000 | $61,500 | $651,000 |
| 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 | 597 | $36,145,000 | $52,000 | $2,925,000 | $39,000 | $474,000 |
| Debt-To-Income Ratio | 250 | $18,543,000 | $86,000 | $980,000 | $31,666 | $272,000 |
| Collateral | 88 | $9,652,000 | $124,250 | $2,720,000 | $47,250 | $124,000 |
| Other | 37 | $12,186,000 | $396,000 | $2,900,000 | $25,600 | $156,000 |
| Employment History | 21 | $1,254,000 | $40,333 | $146,000 | $23,666 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $770,000 | $128,000 | $336,000 | $41,000 | $82,000 |
| Unverifiable Information | 2 | $105,000 | $52,000 | $97,000 | $53,000 | $78,000 |
| Credit Application Incomplete | 1 | $52,000 | $52,000 | $52,000 | $29,000 | $29,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Capital Bank's 2003 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 Federal Capital Bank'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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