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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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RBC CENTURA
Mortgage Loans and Application Details
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| Mortgage Company Name |
RBC CENTURA |
| Address | 131 N CHURCH STREET
ROCKY MOUNT, NC 27801-1220 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 11,227 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,526,461,000 |
| Average Mortgage Loan Amount Applied For | $189,039 |
| Highest Mortgage Loan Amount Applied For | $6,700,000 |
| Average Applicant Income | $145,017 |
| Highest Applicant Income | $8,800,000 |
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| Home Improvement |
837 | $39,530,000 |
$47,000 | $1,040,000 |
$80,000 | $879,000 |
| Home Purchase |
4,842 | $739,794,000 |
$152,000 | $2,316,000 |
$105,000 | $8,800,000 |
| Refinancing |
5,582 | $751,594,000 |
$134,000 | $6,700,000 |
$104,000 | $4,800,000 |
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| American Indian or Alaskan Native |
60 | $4,802,000 |
$80,000 | $306,000 |
$62,000 | $185,000 |
| Asian |
153 | $27,444,000 |
$179,000 | $2,000,000 |
$101,000 | $654,000 |
| Black or African American |
1,234 | $134,097,000 |
$108,000 | $1,100,000 |
$67,000 | $3,371,000 |
| Hispanic |
285 | $39,466,000 |
$138,000 | $1,000,000 |
$82,000 | $873,000 |
| Native Hawaiin or Other Pacific Islander |
38 | $5,101,000 |
$134,000 | $920,000 |
$76,000 | $364,000 |
| Not applicable |
101 | $33,228,000 |
$328,000 | $6,700,000 |
$155,000 | $8,800,000 |
| Not Provided |
1,562 | $151,833,000 |
$97,000 | $1,052,000 |
$124,000 | $3,186,000 |
| White |
7,828 | $1,134,947,000 |
$144,000 | $2,600,000 |
$105,000 | $4,800,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
10,509 | $1,427,651,000 |
$135,000 | $6,700,000 |
$107,000 | $8,800,000 |
| FHA-insured (Federal Housing Administration) |
409 | $49,477,000 |
$120,000 | $294,000 |
$47,000 | $231,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
12 | $1,418,000 |
$118,000 | $155,000 |
$41,000 | $95,000 |
| VA-guaranteed (Veterans Administration) |
331 | $52,372,000 |
$158,000 | $424,000 |
$50,000 | $240,000 |
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| Application Approved But Not Accepted |
184 | $33,684,000 |
$183,000 | $1,054,000 |
$100,000 | $700,000 |
| Application Denied By Financial Institution |
1,204 | $139,076,000 |
$115,000 | $2,600,000 |
$79,000 | $1,980,000 |
| Application Withdrawn By Applicant |
1,043 | $146,379,000 |
$140,000 | $2,316,000 |
$103,000 | $2,950,000 |
| File Closed For Incompleteness |
21 | $5,732,000 |
$272,000 | $1,592,000 |
$114,000 | $960,000 |
| Loan Originated |
7,968 | $1,094,084,000 |
$137,000 | $6,700,000 |
$112,000 | $8,800,000 |
| Loan Purchased By The Institution |
814 | $108,345,000 |
$133,000 | $426,000 |
$47,000 | $269,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
27 | $3,618,000 |
$134,000 | $400,000 |
$51,000 | $143,000 |
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| Collateral |
102 | $12,589,000 |
$123,000 | $2,400,000 |
$95,000 | $720,000 |
| Credit Application Incomplete |
238 | $52,219,000 |
$219,000 | $2,600,000 |
$108,000 | $1,200,000 |
| Credit History |
379 | $26,012,000 |
$68,000 | $680,000 |
$58,000 | $1,980,000 |
| Debt-To-Income Ratio |
280 | $21,524,000 |
$76,000 | $652,000 |
$55,000 | $495,000 |
| Employment History |
11 | $1,768,000 |
$160,000 | $595,000 |
$93,000 | $430,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
17 | $3,327,000 |
$195,000 | $750,000 |
$84,000 | $420,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
77 | $12,697,000 |
$164,000 | $1,300,000 |
$115,000 | $938,000 |
| Unverifiable Information |
19 | $2,422,000 |
$127,000 | $1,000,000 |
$89,000 | $284,000 |
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Mortgage Loan App Totals for RBC CENTURA by:
Metropolitan Area And
County
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