Rbc Bank (Georgia), N.A. Mortgage Lending & HMDA Data, 2012
In 2012, Rbc Bank (Georgia), N.A. of Raleigh, NC reported 1,450 mortgage applications totaling $378.7 million. The average application was for $261,166, and applicants reported an average income of $234,986. 15% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Phoenix-Mesa-Glendale, AZ (145), Orlando-Kissimmee-Sanford, FL (131) and Atlanta-Sandy Springs-Marietta, GA (74) (applications in parentheses).
| Mortgage Company & Address | Rbc Bank (Georgia), N.A. 8081 Arco Corporate Drive Raleigh, NC 27617 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,450 |
| Total Mortgage Loan Application Amount | $378,691,000 |
| Average Mortgage Loan Application Amount | $261,166 |
| Highest Mortgage Loan Application Amount | $3,879,000 |
| Average Applicant Income | $234,986 |
| Highest Applicant Income | $6,577,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rbc Bank (Georgia), N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Phoenix-Mesa-Glendale, AZ | 145 | $ 31,901,000 | $ 220,006 | $ 287,000 |
| Orlando-Kissimmee-Sanford, FL | 131 | $ 22,396,000 | $ 170,961 | $ 166,000 |
| Atlanta-Sandy Springs-Marietta, GA | 74 | $ 13,456,000 | $ 181,837 | $ 89,000 |
| Cape Coral-Fort Myers, FL | 73 | $ 14,373,000 | $ 196,890 | $ 168,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 71 | $ 20,674,000 | $ 291,183 | $ 333,000 |
| North Port-Bradenton-Sarasota, FL | 67 | $ 17,980,000 | $ 268,358 | $ 291,000 |
| Tampa-St. Petersburg-Clearwater, FL | 60 | $ 14,030,000 | $ 233,833 | $ 210,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 59 | $ 22,791,000 | $ 386,288 | $ 269,000 |
| Riverside-San Bernardino-Ontario, CA | 42 | $ 17,047,000 | $ 405,880 | $ 410,000 |
| Naples-Marco Island, FL | 41 | $ 10,117,000 | $ 246,756 | $ 262,000 |
| Raleigh-Cary, NC | 41 | $ 12,750,000 | $ 310,975 | $ 202,000 |
| Lakeland-Winter Haven, FL | 39 | $ 4,737,000 | $ 121,461 | $ 118,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 37 | $ 6,074,000 | $ 164,162 | $ 194,000 |
| Miami-Miami Beach-Kendall, FL | 35 | $ 14,228,000 | $ 406,514 | $ 368,000 |
| Las Vegas-Paradise, NV | 25 | $ 4,352,000 | $ 174,080 | $ 166,000 |
| Palm Bay-Melbourne-Titusville, FL | 23 | $ 3,186,000 | $ 138,521 | $ 145,000 |
| Port St. Lucie, FL | 23 | $ 4,950,000 | $ 215,217 | $ 179,000 |
| Los Angeles-Long Beach-Glendale, CA | 20 | $ 16,859,000 | $ 842,950 | $ 770,000 |
| Houston-Sugar Land-Baytown, TX | 17 | $ 6,167,000 | $ 362,764 | $ 250,000 |
| Punta Gorda, FL | 16 | $ 2,406,000 | $ 150,375 | $ 248,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 13 | $ 2,157,000 | $ 165,923 | $ 145,000 |
| Chicago-Joliet-Naperville, IL | 12 | $ 4,098,000 | $ 341,500 | $ 340,000 |
| Durham-Chapel Hill, NC | 11 | $ 4,229,000 | $ 384,454 | $ 122,000 |
| Charleston-North Charleston-Summerville, SC | 10 | $ 4,507,000 | $ 450,700 | $ 339,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 10 | $ 2,020,000 | $ 202,000 | $ 107,000 |
| Seattle-Bellevue-Everett, WA | 10 | $ 3,757,000 | $ 375,700 | $ 159,000 |
| Sebastian-Vero Beach, FL | 10 | $ 1,374,000 | $ 137,400 | $ 156,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 10 | $ 4,589,000 | $ 458,900 | $ 383,000 |
| San Diego-Carlsbad-San Marcos, CA | 9 | $ 4,597,000 | $ 510,777 | $ 191,000 |
| Warren-Troy-Farmington Hills, MI | 9 | $ 2,041,000 | $ 226,777 | $ 505,000 |
| Dallas-Plano-Irving, TX | 8 | $ 2,017,000 | $ 252,125 | $ 145,000 |
| Wilmington, NC | 8 | $ 1,554,000 | $ 194,250 | $ 119,000 |
| Palm Coast, FL | 7 | $ 1,266,000 | $ 180,857 | $ 136,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 2,382,000 | $ 340,285 | $ 113,000 |
| Jacksonville, FL | 6 | $ 1,014,000 | $ 169,000 | $ 131,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 1,778,000 | $ 296,333 | $ 154,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 2,708,000 | $ 451,333 | $ 589,000 |
| Bellingham, WA | 5 | $ 2,011,000 | $ 402,200 | $ 167,000 |
| Rochester, NY | 5 | $ 343,000 | $ 68,600 | $ 117,000 |
| Boston-Quincy, MA | 4 | $ 3,658,000 | $ 914,500 | $ 2,057,000 |
| Greenville-Mauldin-Easley, SC | 4 | $ 577,000 | $ 144,250 | $ 75,000 |
| Huntsville, AL | 4 | $ 695,000 | $ 173,750 | $ 91,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,462,000 | $ 365,500 | $ 283,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 1,230,000 | $ 307,500 | $ 295,000 |
| New York-White Plains-Wayne, NY-NJ | 4 | $ 2,917,000 | $ 729,250 | $ 206,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 2,230,000 | $ 557,500 | $ 188,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 2,354,000 | $ 588,500 | $ 167,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 321,000 | $ 80,250 | $ 78,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 752,000 | $ 188,000 | $ 223,000 |
| San Antonio-New Braunfels, TX | 4 | $ 718,000 | $ 179,500 | $ 98,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 1,524,000 | $ 381,000 | $ 163,000 |
| Birmingham-Hoover, AL | 3 | $ 472,000 | $ 157,333 | $ 100,000 |
| Columbia, SC | 3 | $ 372,000 | $ 124,000 | $ 118,000 |
| Columbus, OH | 3 | $ 255,000 | $ 85,000 | $ 82,000 |
| Denver-Aurora-Broomfield, CO | 3 | $ 1,935,000 | $ 645,000 | $ 566,000 |
| Gainesville, FL | 3 | $ 497,000 | $ 165,666 | $ 28,000 |
| Greenville, NC | 3 | $ 266,000 | $ 88,666 | $ 68,000 |
| Ocala, FL | 3 | $ 445,000 | $ 148,333 | $ 88,000 |
| Santa Fe, NM | 3 | $ 836,000 | $ 278,666 | $ 109,000 |
| St. George, UT | 3 | $ 463,000 | $ 154,333 | $ 112,000 |
| Tallahassee, FL | 3 | $ 323,000 | $ 107,666 | $ 67,000 |
| Ann Arbor, MI | 2 | $ 244,000 | $ 122,000 | $ 48,000 |
| Asheville, NC | 2 | $ 726,000 | $ 363,000 | $ 132,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 441,000 | $ 220,500 | $ 117,000 |
| Bethesda-Rockville-Frederick, MD | 2 | $ 910,000 | $ 455,000 | $ 167,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 345,000 | $ 172,500 | $ 55,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,210,000 | $ 605,000 | $ 116,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 313,000 | $ 156,500 | $ 95,000 |
| Greensboro-High Point, NC | 2 | $ 240,000 | $ 120,000 | $ 80,000 |
| Harrisburg-Carlisle, PA | 2 | $ 242,000 | $ 121,000 | $ 131,000 |
| Lynchburg, VA | 2 | $ 306,000 | $ 153,000 | $ 141,000 |
| Madison, WI | 2 | $ 296,000 | $ 148,000 | $ 75,000 |
| Mobile, AL | 2 | $ 145,000 | $ 72,500 | $ 0 |
| Morristown, TN | 2 | $ 346,000 | $ 173,000 | $ 463,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 796,000 | $ 398,000 | $ 1,540,000 |
| Newark-Union, NJ-PA | 2 | $ 1,566,000 | $ 783,000 | $ 834,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 2 | $ 999,000 | $ 499,500 | $ 337,000 |
| Pascagoula, MS | 2 | $ 402,000 | $ 201,000 | $ 151,000 |
| Philadelphia, PA | 2 | $ 991,000 | $ 495,500 | $ 1,274,000 |
| Pittsburgh, PA | 2 | $ 367,000 | $ 183,500 | $ 78,000 |
| Tacoma, WA | 2 | $ 614,000 | $ 307,000 | $ 94,000 |
| Auburn-Opelika, AL | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 127,000 | $ 127,000 | $ 58,000 |
| Boulder, CO | 1 | $ 258,000 | $ 258,000 | $ 125,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 1,139,000 | $ 1,139,000 | $ 254,000 |
| Burlington, NC | 1 | $ 240,000 | $ 240,000 | $ 72,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 100,000 | $ 100,000 | $ 205,000 |
| Colorado Springs, CO | 1 | $ 269,000 | $ 269,000 | $ 164,000 |
| Dalton, GA | 1 | $ 231,000 | $ 231,000 | $ 75,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 50,000 | $ 50,000 | $ 40,000 |
| El Paso, TX | 1 | $ 119,000 | $ 119,000 | $ 50,000 |
| Flint, MI | 1 | $ 1,031,000 | $ 1,031,000 | $ 225,000 |
| Florence, SC | 1 | $ 117,000 | $ 117,000 | $ 95,000 |
| Fort Worth-Arlington, TX | 1 | $ 168,000 | $ 168,000 | $ 170,000 |
| Fresno, CA | 1 | $ 350,000 | $ 350,000 | $ 150,000 |
| Gary, IN | 1 | $ 199,000 | $ 199,000 | $ 82,000 |
| Glens Falls, NY | 1 | $ 381,000 | $ 381,000 | $ 318,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 315,000 | $ 315,000 | $ 72,000 |
| Honolulu, HI | 1 | $ 175,000 | $ 175,000 | $ 639,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 170,000 | $ 170,000 | $ 44,000 |
| Lexington-Fayette, KY | 1 | $ 63,000 | $ 63,000 | $ 16,000 |
| Lincoln, NE | 1 | $ 165,000 | $ 165,000 | $ 140,000 |
| Longview, WA | 1 | $ 29,000 | $ 29,000 | $ 57,000 |
| Modesto, CA | 1 | $ 83,000 | $ 83,000 | $ 47,000 |
| Nassau-Suffolk, NY | 1 | $ 152,000 | $ 152,000 | $ 77,000 |
| New Haven-Milford, CT | 1 | $ 252,000 | $ 252,000 | $ 118,000 |
| Oklahoma City, OK | 1 | $ 266,000 | $ 266,000 | $ 125,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 281,000 | $ 281,000 | $ 75,000 |
| Racine, WI | 1 | $ 129,000 | $ 129,000 | $ 113,000 |
| Reno-Sparks, NV | 1 | $ 190,000 | $ 190,000 | $ 135,000 |
| Salinas, CA | 1 | $ 417,000 | $ 417,000 | $ 378,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 552,000 | $ 552,000 | $ 130,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 470,000 | $ 470,000 | $ 90,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 1,219,000 | $ 1,219,000 | $ 400,000 |
| Savannah, GA | 1 | $ 157,000 | $ 157,000 | $ 58,000 |
| Spokane, WA | 1 | $ 561,000 | $ 561,000 | $ 270,000 |
| St. Louis, MO-IL | 1 | $ 339,000 | $ 339,000 | $ 185,000 |
| Stockton, CA | 1 | $ 103,000 | $ 103,000 | $ 39,000 |
| Tucson, AZ | 1 | $ 241,000 | $ 241,000 | $ 62,000 |
| Tulsa, OK | 1 | $ 88,000 | $ 88,000 | $ 81,000 |
| Williamsport, PA | 1 | $ 269,000 | $ 269,000 | $ 130,000 |
| Winston-Salem, NC | 1 | $ 404,000 | $ 404,000 | $ 140,000 |
| Worcester, MA | 1 | $ 175,000 | $ 175,000 | $ 93,000 |
| Yakima, WA | 1 | $ 194,000 | $ 194,000 | $ 127,000 |
| Yuma, AZ | 1 | $ 55,000 | $ 55,000 | $ 206,000 |
Mortgage Loan Application Detail Totals for Rbc Bank (Georgia), N.A. in 2012
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 | 1,135 | $286,661,000 | $252,000 | $3,879,000 | $215,000 | $4,159,000 |
| Refinancing | 315 | $92,030,000 | $292,000 | $2,500,000 | $307,000 | $6,577,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 1,051 | $282,330,000 | $268,000 | $3,348,000 | $258,000 | $6,577,000 |
| Not Provided | 232 | $61,177,000 | $263,000 | $3,879,000 | $233,000 | $4,159,000 |
| Asian | 89 | $18,262,000 | $205,000 | $2,400,000 | $127,000 | $966,000 |
| Black or African American | 34 | $6,141,000 | $180,000 | $1,034,000 | $100,000 | $359,000 |
| Not applicable | 34 | $8,960,000 | $263,000 | $1,071,000 | $6,000 | $63,000 |
| Hispanic | 6 | $1,075,000 | $179,000 | $500,000 | $106,000 | $139,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $334,000 | $167,000 | $203,000 | $70,000 | $81,000 |
| American Indian or Alaskan Native | 2 | $412,000 | $206,000 | $252,000 | $31,000 | $62,000 |
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) | 1,450 | $378,691,000 | $261,000 | $3,879,000 | $235,000 | $6,577,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 1,058 | $280,668,000 | $265,000 | $3,879,000 | $243,000 | $6,577,000 |
| Loan Originated | 218 | $54,941,000 | $252,000 | $1,031,000 | $230,000 | $3,250,000 |
| Application Denied By Financial Institution | 80 | $20,225,000 | $252,000 | $2,400,000 | $186,000 | $1,705,000 |
| Application Withdrawn By Applicant | 51 | $12,773,000 | $250,000 | $1,850,000 | $186,000 | $678,000 |
| Application Approved But Not Accepted | 35 | $9,183,000 | $262,000 | $2,000,000 | $190,000 | $936,000 |
| File Closed For Incompleteness | 8 | $901,000 | $112,000 | $257,000 | $229,000 | $639,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 19 | $5,946,000 | $312,000 | $2,400,000 | $249,000 | $966,000 |
| Debt-To-Income Ratio | 19 | $6,501,000 | $342,000 | $1,500,000 | $128,000 | $446,000 |
| Credit Application Incomplete | 18 | $4,182,000 | $232,000 | $1,359,000 | $257,000 | $1,705,000 |
| Other | 10 | $1,651,000 | $165,000 | $650,000 | $150,000 | $211,000 |
| Collateral | 9 | $1,138,000 | $126,000 | $350,000 | $128,000 | $359,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $660,000 | $220,000 | $279,000 | $116,000 | $140,000 |
| Unverifiable Information | 1 | $109,000 | $109,000 | $109,000 | $61,000 | $61,000 |
| Employment History | 1 | $38,000 | $38,000 | $38,000 | $34,000 | $34,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rbc Bank (Georgia), N.A.'s 2012 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 Rbc Bank (Georgia), N.A.'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.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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