Rbc Bank (Georgia), N.A. Mortgage Lending & HMDA Data, 2013
In 2013, Rbc Bank (Georgia), N.A. of Raleigh, NC reported 736 mortgage applications totaling $194.3 million, down 49% from 2012. The average application was for $263,961, and applicants reported an average income of $196,866. 46% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (171), Phoenix-Mesa-Glendale, AZ (56) and Orlando-Kissimmee-Sanford, FL (33) (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 | 736 |
| Total Mortgage Loan Application Amount | $194,276,000 |
| Average Mortgage Loan Application Amount | $263,961 |
| Highest Mortgage Loan Application Amount | $2,700,000 |
| Average Applicant Income | $196,866 |
| Highest Applicant Income | $4,262,000 |
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(HMDA) records Rbc Bank (Georgia), N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 171 | $ 26,534,000 | $ 155,169 | $ 85,000 |
| Phoenix-Mesa-Glendale, AZ | 56 | $ 10,938,000 | $ 195,321 | $ 206,000 |
| Orlando-Kissimmee-Sanford, FL | 33 | $ 4,880,000 | $ 147,878 | $ 138,000 |
| Houston-Sugar Land-Baytown, TX | 30 | $ 9,182,000 | $ 306,066 | $ 171,000 |
| Cape Coral-Fort Myers, FL | 28 | $ 5,466,000 | $ 195,214 | $ 194,000 |
| Los Angeles-Long Beach-Glendale, CA | 18 | $ 9,235,000 | $ 513,055 | $ 231,000 |
| North Port-Bradenton-Sarasota, FL | 17 | $ 3,405,000 | $ 200,294 | $ 147,000 |
| Tampa-St. Petersburg-Clearwater, FL | 17 | $ 3,069,000 | $ 180,529 | $ 152,000 |
| Riverside-San Bernardino-Ontario, CA | 16 | $ 4,153,000 | $ 259,562 | $ 192,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 3,800,000 | $ 271,428 | $ 219,000 |
| Naples-Marco Island, FL | 13 | $ 7,782,000 | $ 598,615 | $ 422,000 |
| Las Vegas-Paradise, NV | 12 | $ 1,329,000 | $ 110,750 | $ 144,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 12 | $ 8,212,000 | $ 684,333 | $ 539,000 |
| Miami-Miami Beach-Kendall, FL | 11 | $ 4,889,000 | $ 444,454 | $ 326,000 |
| San Diego-Carlsbad-San Marcos, CA | 11 | $ 5,218,000 | $ 474,363 | $ 258,000 |
| Lakeland-Winter Haven, FL | 10 | $ 1,420,000 | $ 142,000 | $ 173,000 |
| Seattle-Bellevue-Everett, WA | 10 | $ 3,349,000 | $ 334,900 | $ 101,000 |
| Santa Ana-Anaheim-Irvine, CA | 9 | $ 6,007,000 | $ 667,444 | $ 702,000 |
| Chicago-Joliet-Naperville, IL | 8 | $ 1,797,000 | $ 224,625 | $ 152,000 |
| Dallas-Plano-Irving, TX | 7 | $ 2,091,000 | $ 298,714 | $ 344,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 1,195,000 | $ 170,714 | $ 97,000 |
| Denver-Aurora-Broomfield, CO | 7 | $ 2,291,000 | $ 327,285 | $ 137,000 |
| New York-White Plains-Wayne, NY-NJ | 7 | $ 3,465,000 | $ 495,000 | $ 440,714 |
| Oakland-Fremont-Hayward, CA | 7 | $ 3,329,000 | $ 475,571 | $ 121,000 |
| Bellingham, WA | 6 | $ 1,279,000 | $ 213,166 | $ 116,000 |
| Boston-Quincy, MA | 6 | $ 3,026,000 | $ 504,333 | $ 845,000 |
| Raleigh-Cary, NC | 6 | $ 2,055,000 | $ 342,500 | $ 142,000 |
| San Francisco-San Mateo-Redwood City, CA | 6 | $ 3,534,000 | $ 589,000 | $ 886,000 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 2,054,000 | $ 342,333 | $ 366,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 1,658,000 | $ 331,600 | $ 824,000 |
| Port St. Lucie, FL | 5 | $ 539,000 | $ 107,800 | $ 58,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 1,356,000 | $ 271,200 | $ 155,600 |
| Fort Worth-Arlington, TX | 4 | $ 1,703,000 | $ 425,750 | $ 277,000 |
| Jacksonville, FL | 4 | $ 927,000 | $ 231,750 | $ 331,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 4 | $ 586,000 | $ 146,500 | $ 101,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 2,252,000 | $ 563,000 | $ 353,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 3,762,000 | $ 940,500 | $ 239,000 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 797,000 | $ 265,666 | $ 74,000 |
| Burlington-South Burlington, VT | 3 | $ 792,000 | $ 264,000 | $ 138,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 978,000 | $ 326,000 | $ 137,000 |
| Durham-Chapel Hill, NC | 3 | $ 2,160,000 | $ 720,000 | $ 290,000 |
| Philadelphia, PA | 3 | $ 1,505,000 | $ 501,666 | $ 176,000 |
| Portland-South Portland-Biddeford, ME | 3 | $ 1,679,000 | $ 559,666 | $ 167,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,023,000 | $ 341,000 | $ 159,000 |
| Savannah, GA | 3 | $ 518,000 | $ 172,666 | $ 87,000 |
| Akron, OH | 2 | $ 402,000 | $ 201,000 | $ 130,000 |
| Birmingham-Hoover, AL | 2 | $ 175,000 | $ 87,500 | $ 138,000 |
| Boise City-Nampa, ID | 2 | $ 495,000 | $ 247,500 | $ 148,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 452,000 | $ 226,000 | $ 179,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 340,000 | $ 170,000 | $ 159,000 |
| Greenville-Mauldin-Easley, SC | 2 | $ 484,000 | $ 242,000 | $ 84,000 |
| Lansing-East Lansing, MI | 2 | $ 596,000 | $ 298,000 | $ 145,000 |
| Lincoln, NE | 2 | $ 202,000 | $ 101,000 | $ 183,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 761,000 | $ 380,500 | $ 201,000 |
| Napa, CA | 2 | $ 1,423,000 | $ 711,500 | $ 240,000 |
| Nassau-Suffolk, NY | 2 | $ 1,006,000 | $ 503,000 | $ 794,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 2 | $ 256,000 | $ 128,000 | $ 50,000 |
| Prescott, AZ | 2 | $ 184,000 | $ 92,000 | $ 100,000 |
| Punta Gorda, FL | 2 | $ 238,000 | $ 119,000 | $ 77,000 |
| Tacoma, WA | 2 | $ 552,000 | $ 276,000 | $ 86,000 |
| Anchorage, AK | 1 | $ 244,000 | $ 244,000 | $ 63,000 |
| Auburn-Opelika, AL | 1 | $ 239,000 | $ 239,000 | $ 65,000 |
| Baltimore-Towson, MD | 1 | $ 249,000 | $ 249,000 | $ 100,000 |
| Bowling Green, KY | 1 | $ 191,000 | $ 191,000 | $ 115,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 128,000 | $ 128,000 | $ 92,000 |
| Casper, WY | 1 | $ 234,000 | $ 234,000 | $ 88,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 279,000 | $ 279,000 | $ 117,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 59,000 | $ 59,000 | $ 109,000 |
| Coeur D'Alene, ID | 1 | $ 228,000 | $ 228,000 | $ 98,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 51,000 | $ 51,000 | $ 53,000 |
| Edison-New Brunswick, NJ | 1 | $ 190,000 | $ 190,000 | $ 85,000 |
| Elizabethtown, KY | 1 | $ 212,000 | $ 212,000 | $ 70,000 |
| Erie, PA | 1 | $ 67,000 | $ 67,000 | $ 130,000 |
| Fargo, ND-MN | 1 | $ 323,000 | $ 323,000 | $ 77,000 |
| Flint, MI | 1 | $ 54,000 | $ 54,000 | $ 233,000 |
| Gary, IN | 1 | $ 196,000 | $ 196,000 | $ 74,000 |
| Greeley, CO | 1 | $ 256,000 | $ 256,000 | $ 112,000 |
| Harrisburg-Carlisle, PA | 1 | $ 128,000 | $ 128,000 | $ 80,000 |
| Honolulu, HI | 1 | $ 1,250,000 | $ 1,250,000 | $ 527,000 |
| Indianapolis-Carmel, IN | 1 | $ 25,000 | $ 25,000 | $ 76,000 |
| Ithaca, NY | 1 | $ 330,000 | $ 330,000 | $ 167,000 |
| Kansas City, MO-KS | 1 | $ 106,000 | $ 106,000 | $ 113,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 190,000 | $ 190,000 | $ 34,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 179,000 | $ 179,000 | $ 130,000 |
| Lancaster, PA | 1 | $ 252,000 | $ 252,000 | $ 128,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 332,000 | $ 332,000 | $ 146,000 |
| Manhattan, KS | 1 | $ 144,000 | $ 144,000 | $ 60,000 |
| Midland, TX | 1 | $ 372,000 | $ 372,000 | $ 84,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 750,000 | $ 750,000 | $ 1,297,000 |
| Modesto, CA | 1 | $ 240,000 | $ 240,000 | $ 105,000 |
| Montgomery, AL | 1 | $ 37,000 | $ 37,000 | $ 40,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 220,000 | $ 220,000 | $ 133,000 |
| Ocala, FL | 1 | $ 139,000 | $ 139,000 | $ 72,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 234,000 | $ 234,000 | $ 78,000 |
| Palm Coast, FL | 1 | $ 150,000 | $ 150,000 | $ 218,000 |
| Peabody, MA | 1 | $ 130,000 | $ 130,000 | $ 140,000 |
| Peoria, IL | 1 | $ 172,000 | $ 172,000 | $ 78,000 |
| Rochester, NY | 1 | $ 127,000 | $ 127,000 | $ 56,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Salinas, CA | 1 | $ 213,000 | $ 213,000 | $ 193,000 |
| Salt Lake City, UT | 1 | $ 151,000 | $ 151,000 | $ 117,000 |
| San Antonio-New Braunfels, TX | 1 | $ 307,000 | $ 307,000 | $ 130,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 327,000 | $ 327,000 | $ 162,000 |
| Sebastian-Vero Beach, FL | 1 | $ 160,000 | $ 160,000 | $ 864,000 |
| Shreveport-Bossier City, LA | 1 | $ 104,000 | $ 104,000 | $ 45,000 |
| St. George, UT | 1 | $ 114,000 | $ 114,000 | $ 83,000 |
| Tallahassee, FL | 1 | $ 500,000 | $ 500,000 | $ 238,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 150,000 | $ 150,000 | $ 182,000 |
| Wichita, KS | 1 | $ 168,000 | $ 168,000 | $ 129,000 |
| Wilmington, NC | 1 | $ 256,000 | $ 256,000 | $ 289,000 |
| Worcester, MA | 1 | $ 468,000 | $ 468,000 | $ 190,000 |
Mortgage Loan Application Detail Totals for Rbc Bank (Georgia), N.A. in 2013
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 | 526 | $146,698,000 | $278,000 | $2,500,000 | $204,000 | $4,000,000 |
| Refinancing | 210 | $47,578,000 | $226,000 | $2,700,000 | $179,000 | $4,262,000 |
| 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 | 436 | $121,863,000 | $279,000 | $2,700,000 | $217,000 | $4,000,000 |
| Not Provided | 198 | $51,122,000 | $258,000 | $1,873,000 | $186,000 | $4,262,000 |
| Asian | 68 | $14,344,000 | $210,000 | $975,000 | $139,000 | $1,182,000 |
| Black or African American | 21 | $2,952,000 | $140,000 | $250,000 | $91,000 | $255,000 |
| Hispanic | 10 | $2,287,000 | $228,000 | $550,000 | $169,000 | $341,000 |
| American Indian or Alaskan Native | 2 | $1,408,000 | $704,000 | $732,000 | $321,000 | $328,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $300,000 | $300,000 | $300,000 | $63,000 | $63,000 |
| 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) | 736 | $194,276,000 | $263,000 | $2,700,000 | $197,000 | $4,262,000 |
| 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 Originated | 339 | $95,856,000 | $282,000 | $1,725,000 | $253,000 | $4,262,000 |
| Loan Purchased By The Institution | 147 | $20,091,000 | $136,000 | $408,000 | $64,000 | $910,000 |
| Application Denied By Financial Institution | 120 | $36,330,000 | $302,000 | $2,700,000 | $187,000 | $2,209,000 |
| Application Withdrawn By Applicant | 62 | $15,191,000 | $245,000 | $850,000 | $160,000 | $812,000 |
| Application Approved But Not Accepted | 62 | $24,522,000 | $395,000 | $2,500,000 | $270,000 | $3,263,000 |
| File Closed For Incompleteness | 6 | $2,286,000 | $381,000 | $1,250,000 | $175,000 | $527,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 43 | $10,624,000 | $247,000 | $1,335,000 | $151,000 | $2,209,000 |
| Collateral | 27 | $5,847,000 | $216,000 | $720,000 | $139,000 | $550,000 |
| Credit History | 18 | $7,438,000 | $413,000 | $1,664,000 | $222,000 | $708,000 |
| Unverifiable Information | 9 | $3,185,000 | $353,000 | $1,100,000 | $233,000 | $1,237,000 |
| Other | 7 | $830,000 | $118,000 | $244,000 | $176,000 | $319,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,970,000 | $281,000 | $684,000 | $132,000 | $231,000 |
| Credit Application Incomplete | 7 | $6,172,000 | $881,000 | $2,700,000 | $527,000 | $1,807,000 |
| Employment History | 2 | $264,000 | $132,000 | $192,000 | $113,000 | $137,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rbc Bank (Georgia), N.A.'s 2013 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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