Home Capital, Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Home Capital, Inc. of Atlanta, GA reported 47,511 mortgage applications totaling $10.3 billion. The average application was for $216,677, and applicants reported an average income of $95,847. 7% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (3,392), Washington-Arlington-Alexandria, DC-VA-MD-WV (1,723) and Phoenix-Mesa-Scottsdale, AZ (1,485) (applications in parentheses).
| Mortgage Company & Address | Home Capital, Inc. 5909 Peachtree-Dunwoody Road Ne, Ste 100 Atlanta, GA 30328 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 |
| Total Number of Mortgage Applications | 47,511 |
| Total Mortgage Loan Application Amount | $10,294,565,000 |
| Average Mortgage Loan Application Amount | $216,677 |
| Highest Mortgage Loan Application Amount | $7,200,000 |
| Average Applicant Income | $95,847 |
| Highest Applicant Income | $9,600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Capital, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 3,392 | $ 637,289,000 | $ 187,880 | $ 86,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,723 | $ 568,036,000 | $ 329,678 | $ 139,807 |
| Phoenix-Mesa-Scottsdale, AZ | 1,485 | $ 348,650,000 | $ 234,781 | $ 108,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,289 | $ 464,393,000 | $ 360,273 | $ 134,000 |
| Riverside-San Bernardino-Ontario, CA | 1,148 | $ 340,375,000 | $ 296,493 | $ 101,000 |
| Baltimore-Towson, MD | 938 | $ 229,899,000 | $ 245,094 | $ 101,000 |
| Denver-Aurora, CO | 852 | $ 187,636,000 | $ 220,230 | $ 95,000 |
| Tampa-St. Petersburg-Clearwater, FL | 772 | $ 140,816,000 | $ 182,404 | $ 86,000 |
| Warren-Troy-Farmington Hills, MI | 729 | $ 142,438,000 | $ 195,388 | $ 98,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 697 | $ 141,294,000 | $ 202,717 | $ 82,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 642 | $ 141,287,000 | $ 220,073 | $ 107,130 |
| Indianapolis-Carmel, IN | 627 | $ 98,473,000 | $ 157,054 | $ 80,000 |
| St. Louis, MO-IL | 623 | $ 105,436,000 | $ 169,239 | $ 85,894 |
| Orlando-Kissimmee, FL | 620 | $ 124,228,000 | $ 200,367 | $ 95,000 |
| San Diego-Carlsbad-San Marcos, CA | 598 | $ 236,120,000 | $ 394,849 | $ 128,000 |
| Birmingham-Hoover, AL | 575 | $ 89,614,000 | $ 155,850 | $ 90,000 |
| Boston-Quincy, MA | 555 | $ 155,907,000 | $ 280,913 | $ 109,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 539 | $ 159,820,000 | $ 296,512 | $ 112,000 |
| Richmond, VA | 524 | $ 96,979,000 | $ 185,074 | $ 91,000 |
| Santa Ana-Anaheim-Irvine, CA | 521 | $ 224,002,000 | $ 429,946 | $ 155,000 |
| Salt Lake City, UT | 494 | $ 93,668,000 | $ 189,611 | $ 96,000 |
| Oakland-Fremont-Hayward, CA | 484 | $ 207,783,000 | $ 429,303 | $ 149,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 457 | $ 117,953,000 | $ 258,102 | $ 133,000 |
| Nashville-Davidson--Murfreesboro, TN | 434 | $ 72,418,000 | $ 166,861 | $ 75,000 |
| New Orleans-Metairie-Kenner, LA | 426 | $ 68,874,000 | $ 161,676 | $ 86,000 |
| Detroit-Livonia-Dearborn, MI | 422 | $ 63,243,000 | $ 149,864 | $ 79,000 |
| Miami-Miami Beach-Kendall, FL | 418 | $ 91,489,000 | $ 218,873 | $ 100,000 |
| Kansas City, MO-KS | 413 | $ 74,846,000 | $ 181,225 | $ 103,000 |
| Albuquerque, NM | 411 | $ 69,241,000 | $ 168,469 | $ 93,000 |
| Milwaukee-Waukesha-West Allis, WI | 404 | $ 73,612,000 | $ 182,207 | $ 115,000 |
| Jacksonville, FL | 394 | $ 78,977,000 | $ 200,449 | $ 82,000 |
| Louisville-Jefferson County, KY-IN | 359 | $ 58,874,000 | $ 163,994 | $ 74,791 |
| Cambridge-Newton-Framingham, MA | 343 | $ 108,440,000 | $ 316,151 | $ 130,000 |
| Portland-Vancouver-Beaverton, OR-WA | 339 | $ 73,264,000 | $ 216,117 | $ 93,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 334 | $ 94,115,000 | $ 281,781 | $ 127,000 |
| Bethesda-Gaithersburg-Frederick, MD | 314 | $ 102,458,000 | $ 326,299 | $ 137,000 |
| Little Rock-North Little Rock, AR | 314 | $ 45,923,000 | $ 146,251 | $ 75,000 |
| Memphis, TN-MS-AR | 302 | $ 51,368,000 | $ 170,092 | $ 89,622 |
| San Jose-Sunnyvale-Santa Clara, CA | 298 | $ 144,371,000 | $ 484,466 | $ 187,000 |
| Worcester, MA | 291 | $ 62,302,000 | $ 214,096 | $ 87,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 284 | $ 43,711,000 | $ 153,911 | $ 79,792 |
| Baton Rouge, LA | 280 | $ 38,046,000 | $ 135,878 | $ 80,000 |
| Honolulu, HI | 280 | $ 89,855,000 | $ 320,910 | $ 111,000 |
| Charleston-North Charleston, SC | 265 | $ 48,305,000 | $ 182,283 | $ 91,000 |
| Essex County, MA | 261 | $ 74,076,000 | $ 283,816 | $ 108,000 |
| Tucson, AZ | 258 | $ 51,138,000 | $ 198,209 | $ 76,000 |
| San Francisco-San Mateo-Redwood City, CA | 237 | $ 114,942,000 | $ 484,987 | $ 195,000 |
| Gary, IN | 230 | $ 34,575,000 | $ 150,326 | $ 73,000 |
| Springfield, MA | 228 | $ 40,331,000 | $ 176,890 | $ 72,000 |
| Sarasota-Bradenton-Venice, FL | 216 | $ 56,142,000 | $ 259,916 | $ 107,000 |
| Palm Bay-Melbourne-Titusville, FL | 212 | $ 35,713,000 | $ 168,457 | $ 71,000 |
| Colorado Springs, CO | 211 | $ 42,276,000 | $ 200,360 | $ 85,000 |
| Ogden-Clearfield, UT | 207 | $ 36,632,000 | $ 176,966 | $ 79,000 |
| Columbia, SC | 194 | $ 29,452,000 | $ 151,814 | $ 90,000 |
| Bakersfield, CA | 191 | $ 42,842,000 | $ 224,303 | $ 89,000 |
| Cape Coral-Fort Myers, FL | 187 | $ 40,658,000 | $ 217,422 | $ 97,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 187 | $ 76,299,000 | $ 408,016 | $ 164,000 |
| Fresno, CA | 184 | $ 42,790,000 | $ 232,554 | $ 100,000 |
| Chattanooga, TN-GA | 178 | $ 26,644,000 | $ 149,685 | $ 81,044 |
| Cincinnati-Middletown, OH-KY-IN | 178 | $ 29,353,000 | $ 164,904 | $ 78,842 |
| Knoxville, TN | 176 | $ 29,012,000 | $ 164,840 | $ 73,000 |
| Mobile, AL | 173 | $ 22,568,000 | $ 130,450 | $ 92,000 |
| Provo-Orem, UT | 171 | $ 31,704,000 | $ 185,403 | $ 79,000 |
| Stockton, CA | 171 | $ 47,619,000 | $ 278,473 | $ 104,000 |
| Huntsville, AL | 170 | $ 25,069,000 | $ 147,464 | $ 87,000 |
| Greenville, SC | 160 | $ 23,208,000 | $ 145,050 | $ 80,000 |
| Montgomery, AL | 159 | $ 22,438,000 | $ 141,119 | $ 70,000 |
| Providence-New Bedford-Fall River, RI-MA | 157 | $ 39,728,000 | $ 253,044 | $ 83,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 155 | $ 26,315,000 | $ 169,774 | $ 77,000 |
| Madison, WI | 151 | $ 27,816,000 | $ 184,211 | $ 87,000 |
| Grand Rapids-Wyoming, MI | 150 | $ 22,522,000 | $ 150,146 | $ 71,000 |
| Lakeland, FL | 147 | $ 23,289,000 | $ 158,428 | $ 81,000 |
| Augusta-Richmond County, GA-SC | 140 | $ 19,140,000 | $ 136,714 | $ 72,850 |
| Pensacola-Ferry Pass-Brent, FL | 133 | $ 23,064,000 | $ 173,413 | $ 83,000 |
| Savannah, GA | 129 | $ 20,393,000 | $ 158,085 | $ 99,000 |
| Vallejo-Fairfield, CA | 127 | $ 41,731,000 | $ 328,590 | $ 119,000 |
| Port St. Lucie-Fort Pierce, FL | 125 | $ 22,038,000 | $ 176,304 | $ 78,000 |
| Santa Rosa-Petaluma, CA | 123 | $ 44,640,000 | $ 362,926 | $ 116,000 |
| Lexington-Fayette, KY | 118 | $ 19,248,000 | $ 163,118 | $ 87,000 |
| Lansing-East Lansing, MI | 116 | $ 19,351,000 | $ 166,818 | $ 123,000 |
| Omaha-Council Bluffs, NE-IA | 115 | $ 17,487,000 | $ 152,060 | $ 151,000 |
| Barnstable Town, MA | 114 | $ 36,848,000 | $ 323,228 | $ 102,000 |
| Modesto, CA | 109 | $ 28,546,000 | $ 261,889 | $ 96,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 103 | $ 16,404,000 | $ 159,262 | $ 67,000 |
| Columbus, GA-AL | 101 | $ 14,077,000 | $ 139,376 | $ 68,435 |
| Springfield, MO | 97 | $ 18,676,000 | $ 192,536 | $ 64,000 |
| Fort Wayne, IN | 96 | $ 12,115,000 | $ 126,197 | $ 64,000 |
| Shreveport-Bossier City, LA | 96 | $ 12,352,000 | $ 128,666 | $ 184,000 |
| Charlotte-Gastonia-Concord, NC-SC | 94 | $ 14,163,000 | $ 150,670 | $ 84,978 |
| South Bend-Mishawaka, IN-MI | 94 | $ 13,639,000 | $ 145,095 | $ 82,255 |
| Flint, MI | 91 | $ 15,428,000 | $ 169,538 | $ 73,000 |
| Fort Collins-Loveland, CO | 91 | $ 20,777,000 | $ 228,318 | $ 116,000 |
| Racine, WI | 88 | $ 14,808,000 | $ 168,272 | $ 83,000 |
| Visalia-Porterville, CA | 86 | $ 18,065,000 | $ 210,058 | $ 76,000 |
| Greeley, CO | 85 | $ 15,839,000 | $ 186,341 | $ 76,000 |
| Naples-Marco Island, FL | 85 | $ 36,082,000 | $ 424,494 | $ 207,000 |
| Boulder, CO | 83 | $ 19,264,000 | $ 232,096 | $ 99,000 |
| Lake County-Kenosha County, IL-WI | 83 | $ 15,132,000 | $ 182,313 | $ 75,493 |
| Ocala, FL | 79 | $ 11,362,000 | $ 143,822 | $ 171,000 |
| Eugene-Springfield, OR | 77 | $ 13,445,000 | $ 174,610 | $ 84,000 |
| Lafayette, LA | 77 | $ 11,996,000 | $ 155,792 | $ 83,000 |
| Salem, OR | 76 | $ 12,871,000 | $ 169,355 | $ 73,000 |
| Clarksville, TN-KY | 74 | $ 9,093,000 | $ 122,878 | $ 55,864 |
| Gainesville, GA | 74 | $ 13,285,000 | $ 179,527 | $ 71,000 |
| Kalamazoo-Portage, MI | 74 | $ 11,191,000 | $ 151,229 | $ 72,000 |
| San Luis Obispo-Paso Robles, CA | 74 | $ 26,080,000 | $ 352,432 | $ 107,000 |
| Evansville, IN-KY | 73 | $ 9,139,000 | $ 125,191 | $ 65,821 |
| Fort Smith, AR-OK | 73 | $ 7,951,000 | $ 108,917 | $ 65,589 |
| Roanoke, VA | 73 | $ 12,182,000 | $ 166,876 | $ 71,000 |
| Salinas, CA | 71 | $ 29,525,000 | $ 415,845 | $ 140,000 |
| Spartanburg, SC | 69 | $ 10,082,000 | $ 146,115 | $ 63,000 |
| Fort Walton Beach-Crestview-Destin, FL | 67 | $ 15,392,000 | $ 229,731 | $ 106,000 |
| Macon, GA | 65 | $ 9,425,000 | $ 145,000 | $ 162,000 |
| St. George, UT | 65 | $ 11,566,000 | $ 177,938 | $ 61,000 |
| Ann Arbor, MI | 64 | $ 15,553,000 | $ 243,015 | $ 98,000 |
| Santa Barbara-Santa Maria, CA | 64 | $ 26,114,000 | $ 408,031 | $ 120,000 |
| Holland-Grand Haven, MI | 63 | $ 12,262,000 | $ 194,634 | $ 82,000 |
| Santa Fe, NM | 63 | $ 14,625,000 | $ 232,142 | $ 91,000 |
| Bend, OR | 62 | $ 13,432,000 | $ 216,645 | $ 79,000 |
| Lynchburg, VA | 61 | $ 8,697,000 | $ 142,573 | $ 69,000 |
| Prescott, AZ | 60 | $ 11,803,000 | $ 196,716 | $ 81,000 |
| Athens-Clarke County, GA | 59 | $ 9,588,000 | $ 162,508 | $ 83,000 |
| Auburn-Opelika, AL | 59 | $ 9,381,000 | $ 159,000 | $ 71,000 |
| Wilmington, DE-MD-NJ | 59 | $ 12,011,000 | $ 203,576 | $ 84,000 |
| Green Bay, WI | 58 | $ 8,168,000 | $ 140,827 | $ 84,000 |
| Tallahassee, FL | 58 | $ 11,024,000 | $ 190,068 | $ 101,000 |
| Yuma, AZ | 58 | $ 10,296,000 | $ 177,517 | $ 69,000 |
| Elkhart-Goshen, IN | 56 | $ 6,816,000 | $ 121,714 | $ 60,000 |
| Duluth, MN-WI | 55 | $ 8,853,000 | $ 160,963 | $ 72,818 |
| Jonesboro, AR | 55 | $ 6,116,000 | $ 111,200 | $ 63,000 |
| Jackson, MI | 54 | $ 7,743,000 | $ 143,388 | $ 72,000 |
| Punta Gorda, FL | 54 | $ 9,686,000 | $ 179,370 | $ 90,000 |
| Sioux Falls, SD | 54 | $ 8,258,000 | $ 152,925 | $ 73,000 |
| Anderson, SC | 53 | $ 9,781,000 | $ 184,547 | $ 82,000 |
| Hagerstown-Martinsburg, MD-WV | 53 | $ 9,961,000 | $ 187,943 | $ 66,000 |
| Medford, OR | 53 | $ 12,512,000 | $ 236,075 | $ 93,000 |
| Panama City-Lynn Haven, FL | 53 | $ 8,974,000 | $ 169,320 | $ 68,000 |
| Santa Cruz-Watsonville, CA | 53 | $ 23,098,000 | $ 435,811 | $ 151,000 |
| Tuscaloosa, AL | 53 | $ 8,126,000 | $ 153,320 | $ 76,000 |
| Charlottesville, VA | 52 | $ 9,779,000 | $ 188,057 | $ 87,000 |
| Grand Junction, CO | 52 | $ 8,774,000 | $ 168,730 | $ 69,000 |
| Las Cruces, NM | 52 | $ 7,965,000 | $ 153,173 | $ 73,000 |
| Houma-Bayou Cane-Thibodaux, LA | 51 | $ 6,701,000 | $ 131,392 | $ 63,000 |
| Kingsport-Bristol-Bristol, TN-VA | 50 | $ 6,424,000 | $ 128,480 | $ 57,520 |
| Monroe, MI | 48 | $ 9,564,000 | $ 199,250 | $ 88,000 |
| Napa, CA | 48 | $ 19,038,000 | $ 396,625 | $ 116,000 |
| Redding, CA | 48 | $ 10,429,000 | $ 217,270 | $ 68,000 |
| Lake Charles, LA | 46 | $ 5,604,000 | $ 121,826 | $ 96,000 |
| Monroe, LA | 46 | $ 5,391,000 | $ 117,195 | $ 76,000 |
| Lafayette, IN | 45 | $ 6,167,000 | $ 137,044 | $ 63,000 |
| Appleton, WI | 43 | $ 6,064,000 | $ 141,023 | $ 67,000 |
| Brunswick, GA | 43 | $ 7,036,000 | $ 163,627 | $ 74,000 |
| Chico, CA | 43 | $ 9,056,000 | $ 210,604 | $ 70,000 |
| Dalton, GA | 43 | $ 5,707,000 | $ 132,720 | $ 59,000 |
| Decatur, AL | 43 | $ 5,458,000 | $ 126,930 | $ 76,000 |
| Eau Claire, WI | 43 | $ 6,475,000 | $ 150,581 | $ 72,000 |
| Hot Springs, AR | 43 | $ 6,430,000 | $ 149,534 | $ 69,000 |
| Merced, CA | 43 | $ 11,605,000 | $ 269,883 | $ 100,000 |
| Newark-Union, NJ-PA | 43 | $ 11,365,000 | $ 264,302 | $ 119,000 |
| Winchester, VA-WV | 43 | $ 10,157,000 | $ 236,209 | $ 90,000 |
| Janesville, WI | 42 | $ 6,046,000 | $ 143,952 | $ 73,000 |
| Salisbury, MD | 41 | $ 6,843,000 | $ 166,902 | $ 83,000 |
| Elizabethtown, KY | 40 | $ 6,258,000 | $ 156,450 | $ 94,000 |
| Farmington, NM | 40 | $ 5,496,000 | $ 137,400 | $ 63,000 |
| Flagstaff, AZ | 40 | $ 8,229,000 | $ 205,725 | $ 95,000 |
| Muskegon-Norton Shores, MI | 40 | $ 5,274,000 | $ 131,850 | $ 72,000 |
| Dothan, AL | 39 | $ 6,388,000 | $ 163,794 | $ 79,000 |
| Lincoln, NE | 39 | $ 5,527,000 | $ 141,717 | $ 72,000 |
| Sebastian-Vero Beach, FL | 39 | $ 7,343,000 | $ 188,282 | $ 68,000 |
| Billings, MT | 38 | $ 6,155,000 | $ 161,973 | $ 98,000 |
| Florence-Muscle Shoals, AL | 38 | $ 4,861,000 | $ 127,921 | $ 76,000 |
| Johnson City, TN | 38 | $ 5,003,000 | $ 131,657 | $ 65,000 |
| Pittsfield, MA | 38 | $ 6,695,000 | $ 176,184 | $ 172,000 |
| Yuba City, CA | 37 | $ 8,359,000 | $ 225,918 | $ 76,000 |
| Oshkosh-Neenah, WI | 36 | $ 6,396,000 | $ 177,666 | $ 62,000 |
| St. Cloud, MN | 36 | $ 6,105,000 | $ 169,583 | $ 65,000 |
| Gainesville, FL | 34 | $ 5,158,000 | $ 151,705 | $ 83,000 |
| Niles-Benton Harbor, MI | 34 | $ 6,436,000 | $ 189,294 | $ 77,000 |
| Rapid City, SD | 34 | $ 5,678,000 | $ 167,000 | $ 75,000 |
| Battle Creek, MI | 33 | $ 3,990,000 | $ 120,909 | $ 58,000 |
| Cleveland, TN | 33 | $ 4,196,000 | $ 127,151 | $ 51,000 |
| El Centro, CA | 33 | $ 6,714,000 | $ 203,454 | $ 155,000 |
| Madera, CA | 33 | $ 7,074,000 | $ 214,363 | $ 97,000 |
| Valdosta, GA | 33 | $ 5,670,000 | $ 171,818 | $ 88,000 |
| Warner Robins, GA | 33 | $ 4,670,000 | $ 141,515 | $ 107,000 |
| Gadsden, AL | 32 | $ 4,146,000 | $ 129,562 | $ 77,000 |
| Hanford-Corcoran, CA | 32 | $ 5,849,000 | $ 182,781 | $ 102,000 |
| Logan, UT-ID | 32 | $ 4,988,000 | $ 155,875 | $ 55,218 |
| Anniston-Oxford, AL | 31 | $ 3,559,000 | $ 114,806 | $ 60,000 |
| Pueblo, CO | 31 | $ 4,736,000 | $ 152,774 | $ 66,000 |
| Wausau, WI | 31 | $ 4,357,000 | $ 140,548 | $ 67,000 |
| Blacksburg-Christiansburg-Radford, VA | 30 | $ 4,685,000 | $ 156,166 | $ 72,000 |
| Florence, SC | 30 | $ 3,825,000 | $ 127,500 | $ 80,000 |
| Hinesville-Fort Stewart, GA | 30 | $ 3,258,000 | $ 108,600 | $ 53,000 |
| Jefferson City, MO | 30 | $ 3,440,000 | $ 114,666 | $ 55,000 |
| Rochester, MN | 30 | $ 5,005,000 | $ 166,833 | $ 75,000 |
| Anderson, IN | 29 | $ 3,325,000 | $ 114,655 | $ 61,000 |
| Pine Bluff, AR | 29 | $ 3,022,000 | $ 104,206 | $ 61,000 |
| Albany, GA | 28 | $ 3,683,000 | $ 131,535 | $ 61,000 |
| Alexandria, LA | 28 | $ 3,477,000 | $ 124,178 | $ 89,000 |
| Bloomington, IN | 28 | $ 3,857,000 | $ 137,750 | $ 65,000 |
| Columbia, MO | 28 | $ 3,444,000 | $ 123,000 | $ 83,000 |
| Saginaw-Saginaw Township North, MI | 28 | $ 3,905,000 | $ 139,464 | $ 65,000 |
| Kokomo, IN | 27 | $ 3,846,000 | $ 142,444 | $ 72,000 |
| Joplin, MO | 26 | $ 3,762,000 | $ 144,692 | $ 80,000 |
| Muncie, IN | 26 | $ 3,539,000 | $ 136,115 | $ 77,000 |
| Jackson, TN | 25 | $ 3,742,000 | $ 149,680 | $ 71,000 |
| Michigan City-La Porte, IN | 25 | $ 3,631,000 | $ 145,240 | $ 68,000 |
| Missoula, MT | 24 | $ 4,830,000 | $ 201,250 | $ 69,000 |
| Fond Du Lac, WI | 23 | $ 2,996,000 | $ 130,260 | $ 54,000 |
| Huntington-Ashland, WV-KY-OH | 23 | $ 3,581,000 | $ 155,695 | $ 73,000 |
| Sumter, SC | 23 | $ 2,817,000 | $ 122,478 | $ 58,000 |
| Terre Haute, IN | 23 | $ 2,594,000 | $ 112,782 | $ 62,000 |
| Bay City, MI | 22 | $ 2,869,000 | $ 130,409 | $ 53,000 |
| Great Falls, MT | 22 | $ 2,823,000 | $ 128,318 | $ 68,000 |
| Harrisonburg, VA | 22 | $ 3,962,000 | $ 180,090 | $ 70,000 |
| Bowling Green, KY | 21 | $ 3,198,000 | $ 152,285 | $ 75,000 |
| Columbus, IN | 21 | $ 3,171,000 | $ 151,000 | $ 82,000 |
| Owensboro, KY | 21 | $ 2,383,000 | $ 113,476 | $ 56,000 |
| Rome, GA | 21 | $ 3,157,000 | $ 150,333 | $ 74,000 |
| St. Joseph, MO-KS | 21 | $ 2,677,000 | $ 127,476 | $ 64,000 |
| Texarkana, Tx-Texarkana, AR | 20 | $ 2,286,000 | $ 114,300 | $ 100,000 |
| La Crosse, WI-MN | 19 | $ 2,983,000 | $ 157,000 | $ 59,631 |
| Morristown, TN | 19 | $ 3,102,000 | $ 163,263 | $ 62,000 |
| Cumberland, MD-WV | 17 | $ 1,944,000 | $ 114,352 | $ 64,000 |
| Hartford-West Hartford-East Hartford, CT | 17 | $ 3,870,000 | $ 227,647 | $ 104,000 |
| Sheboygan, WI | 16 | $ 2,653,000 | $ 165,812 | $ 76,000 |
| Boise City-Nampa, ID | 14 | $ 2,816,000 | $ 201,142 | $ 85,000 |
| Corvallis, OR | 14 | $ 3,363,000 | $ 240,214 | $ 83,000 |
| Rockingham County-Strafford County, NH | 12 | $ 4,109,000 | $ 342,416 | $ 121,000 |
| Danville, VA | 11 | $ 1,434,000 | $ 130,363 | $ 58,000 |
| Manchester-Nashua, NH | 11 | $ 1,855,000 | $ 168,636 | $ 64,000 |
| Chicago-Naperville-Joliet, IL | 10 | $ 2,878,000 | $ 287,800 | $ 112,000 |
| New Haven-Milford, CT | 10 | $ 1,879,000 | $ 187,900 | $ 82,000 |
| Bridgeport-Stamford-Norwalk, CT | 9 | $ 7,665,000 | $ 851,666 | $ 202,000 |
| Fargo, ND-MN | 9 | $ 1,372,000 | $ 152,444 | $ 58,000 |
| Grand Forks, ND-MN | 6 | $ 683,000 | $ 113,833 | $ 57,000 |
| Sioux City, IA-NE-SD | 6 | $ 723,000 | $ 120,500 | $ 67,666 |
| New York-White Plains-Wayne, NY-NJ | 5 | $ 1,393,000 | $ 278,600 | $ 108,400 |
| Seattle-Bellevue-Everett, WA | 5 | $ 1,020,000 | $ 204,000 | $ 86,000 |
| Idaho Falls, ID | 4 | $ 506,000 | $ 126,500 | $ 55,000 |
| Las Vegas-Paradise, NV | 4 | $ 651,000 | $ 162,750 | $ 35,000 |
| Norwich-New London, CT | 4 | $ 807,000 | $ 201,750 | $ 77,000 |
| Edison, NJ | 3 | $ 659,000 | $ 219,666 | $ 84,000 |
| Nassau-Suffolk, NY | 3 | $ 716,000 | $ 238,666 | $ 194,000 |
| Coeur D'Alene, ID | 2 | $ 236,000 | $ 118,000 | $ 98,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 145,000 | $ 72,500 | $ 102,000 |
| Fayetteville, NC | 2 | $ 238,000 | $ 119,000 | $ 48,000 |
| Pocatello, ID | 2 | $ 337,000 | $ 168,500 | $ 9,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 630,000 | $ 315,000 | $ 167,000 |
| Raleigh-Cary, NC | 2 | $ 313,000 | $ 156,500 | $ 91,000 |
| Reno-Sparks, NV | 2 | $ 367,000 | $ 183,500 | $ 84,000 |
| Tacoma, WA | 2 | $ 521,000 | $ 260,500 | $ 120,000 |
| Abilene, TX | 1 | $ 121,000 | $ 121,000 | $ 64,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 200,000 | $ 200,000 | $ 175,000 |
| Anchorage, AK | 1 | $ 190,000 | $ 190,000 | $ 98,000 |
| Atlantic City, NJ | 1 | $ 130,000 | $ 130,000 | $ 50,000 |
| Bremerton-Silverdale, WA | 1 | $ 174,000 | $ 174,000 | $ 79,000 |
| Camden, NJ | 1 | $ 900,000 | $ 900,000 | $ 3,600,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 140,000 | $ 140,000 | $ 84,000 |
| El Paso, TX | 1 | $ 25,000 | $ 25,000 | $ 111,000 |
| Fort Worth-Arlington, TX | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lawton, OK | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Longview, WA | 1 | $ 27,000 | $ 27,000 | $ 67,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 137,000 | $ 137,000 | $ 51,000 |
| Morgantown, WV | 1 | $ 417,000 | $ 417,000 | $ 108,000 |
| Oklahoma City, OK | 1 | $ 56,000 | $ 56,000 | $ 51,000 |
| Olympia, WA | 1 | $ 50,000 | $ 50,000 | $ 127,000 |
| Philadelphia, PA | 1 | $ 300,000 | $ 300,000 | $ 456,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 122,000 | $ 122,000 | $ 39,000 |
| San Antonio, TX | 1 | $ 450,000 | $ 450,000 | $ 68,000 |
| Spokane, WA | 1 | $ 99,000 | $ 99,000 | $ 37,000 |
| Tyler, TX | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Wenatchee, WA | 1 | $ 50,000 | $ 50,000 | $ 25,000 |
| Yakima, WA | 1 | $ 50,000 | $ 50,000 | $ 31,000 |
| York-Hanover, PA | 1 | $ 417,000 | $ 417,000 | $ 92,000 |
Mortgage Loan Application Detail Totals for Home Capital, Inc. in 2006
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 | 47,059 | $10,209,031,000 | $216,000 | $7,200,000 | $96,000 | $9,600,000 |
| Home Purchase | 452 | $85,534,000 | $189,000 | $1,600,000 | $80,000 | $1,860,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Not Provided | 28,896 | $6,223,925,000 | $215,000 | $7,200,000 | $100,000 | $9,600,000 |
| White | 15,441 | $3,386,537,000 | $219,000 | $5,600,000 | $93,000 | $5,976,000 |
| Black or African American | 1,698 | $316,422,000 | $186,000 | $1,600,000 | $75,000 | $1,800,000 |
| Hispanic | 1,078 | $257,949,000 | $239,000 | $5,000,000 | $83,000 | $960,000 |
| Asian | 274 | $77,261,000 | $281,000 | $1,280,000 | $105,000 | $774,000 |
| Native Hawaiian or Other Pacific Islander | 98 | $26,971,000 | $275,000 | $990,000 | $92,000 | $600,000 |
| American Indian or Alaskan Native | 26 | $5,500,000 | $211,000 | $1,500,000 | $72,000 | $174,000 |
| 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) | 47,511 | $10,294,565,000 | $216,000 | $7,200,000 | $96,000 | $9,600,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 35,437 | $7,888,987,000 | $222,000 | $5,600,000 | $100,000 | $9,600,000 |
| Application Denied By Financial Institution | 5,645 | $1,083,911,000 | $192,000 | $4,740,000 | $78,000 | $3,972,000 |
| Loan Originated | 3,392 | $651,484,000 | $192,000 | $1,500,000 | $83,000 | $840,000 |
| File Closed For Incompleteness | 3,037 | $670,183,000 | $220,000 | $7,200,000 | $96,000 | $5,976,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 2,119 | $396,881,000 | $187,000 | $2,510,000 | $85,000 | $3,972,000 |
| Credit History | 1,975 | $360,995,000 | $182,000 | $4,740,000 | $69,000 | $1,800,000 |
| Other | 705 | $150,559,000 | $213,000 | $2,900,000 | $99,000 | $3,724,000 |
| Debt-To-Income Ratio | 649 | $135,764,000 | $209,000 | $1,350,000 | $59,000 | $432,000 |
| Unverifiable Information | 131 | $25,137,000 | $191,000 | $770,000 | $78,000 | $480,000 |
| Credit Application Incomplete | 65 | $14,243,000 | $219,000 | $1,306,000 | $99,000 | $528,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Capital, Inc.'s 2006 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 Home Capital, Inc.'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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with aggregated HMDA statistics today.
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