Rbc Bank (Georgia), N.A. Mortgage Lending & HMDA Data, 2014
In 2014, Rbc Bank (Georgia), N.A. of Raleigh, NC reported 914 mortgage applications totaling $261.5 million, up 24% from 2013. The average application was for $286,119, and applicants reported an average income of $198,857. 57% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (97), Atlanta-Sandy Springs-Roswell, GA (74) and Orlando-Kissimmee-Sanford, FL (44) (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 | 914 |
| Total Mortgage Loan Application Amount | $261,513,000 |
| Average Mortgage Loan Application Amount | $286,119 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $198,857 |
| Highest Applicant Income | $3,846,000 |
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(HMDA) records Rbc Bank (Georgia), N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Scottsdale, AZ | 97 | $ 22,298,000 | $ 229,876 | $ 268,000 |
| Atlanta-Sandy Springs-Roswell, GA | 74 | $ 12,137,000 | $ 164,013 | $ 72,000 |
| Orlando-Kissimmee-Sanford, FL | 44 | $ 9,239,000 | $ 209,977 | $ 152,000 |
| Houston-The Woodlands-Sugar Land, TX | 43 | $ 14,164,000 | $ 329,395 | $ 160,000 |
| Riverside-San Bernardino-Ontario, CA | 39 | $ 12,406,000 | $ 318,102 | $ 223,000 |
| Cape Coral-Fort Myers, FL | 36 | $ 6,812,000 | $ 189,222 | $ 192,000 |
| North Port-Sarasota-Bradenton, FL | 34 | $ 8,317,000 | $ 244,617 | $ 171,000 |
| Naples-Immokalee-Marco Island, FL | 31 | $ 7,900,000 | $ 254,838 | $ 244,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 27 | $ 11,281,000 | $ 417,814 | $ 253,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 26 | $ 7,475,000 | $ 287,500 | $ 259,000 |
| Tampa-St. Petersburg-Clearwater, FL | 22 | $ 4,727,000 | $ 214,863 | $ 160,000 |
| Miami-Miami Beach-Kendall, FL | 21 | $ 5,705,000 | $ 271,666 | $ 205,000 |
| Lakeland-Winter Haven, FL | 19 | $ 3,066,000 | $ 161,368 | $ 175,000 |
| Los Angeles-Long Beach-Glendale, CA | 14 | $ 9,782,000 | $ 698,714 | $ 275,000 |
| Denver-Aurora-Lakewood, CO | 13 | $ 4,785,000 | $ 368,076 | $ 162,000 |
| Dallas-Plano-Irving, TX | 12 | $ 4,232,000 | $ 352,666 | $ 262,000 |
| Las Vegas-Henderson-Paradise, NV | 12 | $ 2,730,000 | $ 227,500 | $ 130,000 |
| Seattle-Bellevue-Everett, WA | 12 | $ 4,649,000 | $ 387,416 | $ 132,000 |
| Warren-Troy-Farmington Hills, MI | 11 | $ 2,092,000 | $ 190,181 | $ 102,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 2,268,000 | $ 226,800 | $ 197,000 |
| San Diego-Carlsbad, CA | 10 | $ 6,744,000 | $ 674,400 | $ 295,000 |
| Bellingham, WA | 9 | $ 2,587,000 | $ 287,444 | $ 207,000 |
| Chicago-Naperville-Arlington Heights, IL | 9 | $ 2,787,000 | $ 309,666 | $ 172,000 |
| Raleigh, NC | 9 | $ 2,282,000 | $ 253,555 | $ 155,000 |
| Charlotte-Concord-Gastonia, NC-SC | 8 | $ 1,804,000 | $ 225,500 | $ 115,500 |
| Detroit-Dearborn-Livonia, MI | 8 | $ 1,567,000 | $ 195,875 | $ 132,000 |
| Kahului-Wailuku-Lahaina, HI | 8 | $ 5,498,000 | $ 687,250 | $ 593,000 |
| New York-Jersey City-White Plains, NY-NJ | 8 | $ 3,910,000 | $ 488,750 | $ 186,875 |
| Oakland-Hayward-Berkeley, CA | 8 | $ 4,156,000 | $ 519,500 | $ 172,000 |
| Anaheim-Santa Ana-Irvine, CA | 7 | $ 7,058,000 | $ 1,008,285 | $ 709,000 |
| Jacksonville, FL | 7 | $ 1,092,000 | $ 156,000 | $ 77,000 |
| Pittsburgh, PA | 7 | $ 1,898,000 | $ 271,142 | $ 111,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 4,080,000 | $ 680,000 | $ 306,000 |
| Tucson, AZ | 6 | $ 1,096,000 | $ 182,666 | $ 103,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 545,000 | $ 109,000 | $ 102,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 1,368,000 | $ 273,600 | $ 139,000 |
| Ann Arbor, MI | 4 | $ 922,000 | $ 230,500 | $ 164,000 |
| Austin-Round Rock, TX | 4 | $ 2,122,000 | $ 530,500 | $ 271,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 984,000 | $ 246,000 | $ 92,000 |
| Cincinnati, OH-KY-IN | 4 | $ 1,022,000 | $ 255,500 | $ 104,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 1,199,000 | $ 299,750 | $ 238,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 769,000 | $ 256,333 | $ 202,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 2,992,000 | $ 997,333 | $ 582,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 826,000 | $ 275,333 | $ 112,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 714,000 | $ 238,000 | $ 288,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,034,000 | $ 344,666 | $ 230,333 |
| Punta Gorda, FL | 3 | $ 379,000 | $ 126,333 | $ 109,000 |
| Silver Spring-Frederick-Rockville, MD | 3 | $ 779,000 | $ 259,666 | $ 282,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 905,000 | $ 301,666 | $ 140,666 |
| Albuquerque, NM | 2 | $ 330,000 | $ 165,000 | $ 149,000 |
| Asheville, NC | 2 | $ 640,000 | $ 320,000 | $ 186,000 |
| Bremerton-Silverdale, WA | 2 | $ 323,000 | $ 161,500 | $ 167,000 |
| Charleston-North Charleston, SC | 2 | $ 900,000 | $ 450,000 | $ 131,000 |
| Charlottesville, VA | 2 | $ 526,000 | $ 263,000 | $ 69,000 |
| Cleveland-Elyria, OH | 2 | $ 158,000 | $ 79,000 | $ 120,000 |
| Colorado Springs, CO | 2 | $ 540,000 | $ 270,000 | $ 100,000 |
| Columbia, SC | 2 | $ 192,000 | $ 96,000 | $ 40,000 |
| Duluth, MN-WI | 2 | $ 532,000 | $ 266,000 | $ 109,000 |
| Fort Worth-Arlington, TX | 2 | $ 343,000 | $ 171,500 | $ 82,000 |
| Kansas City, MO-KS | 2 | $ 526,000 | $ 263,000 | $ 127,500 |
| Lake Havasu City-Kingman, AZ | 2 | $ 416,000 | $ 208,000 | $ 266,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 450,000 | $ 225,000 | $ 105,000 |
| Nassau County-Suffolk County, NY | 2 | $ 764,000 | $ 382,000 | $ 145,000 |
| Newark, NJ-PA | 2 | $ 1,054,000 | $ 527,000 | $ 145,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 602,000 | $ 301,000 | $ 122,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 841,000 | $ 420,500 | $ 137,000 |
| Philadelphia, PA | 2 | $ 870,000 | $ 435,000 | $ 498,000 |
| Port St. Lucie, FL | 2 | $ 300,000 | $ 150,000 | $ 71,000 |
| Portland-South Portland, ME | 2 | $ 376,000 | $ 188,000 | $ 101,000 |
| Provo-Orem, UT | 2 | $ 513,000 | $ 256,500 | $ 78,000 |
| Reno, NV | 2 | $ 499,000 | $ 249,500 | $ 337,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 2,025,000 | $ 1,012,500 | $ 456,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 2,039,000 | $ 1,019,500 | $ 286,000 |
| Spokane-Spokane Valley, WA | 2 | $ 241,000 | $ 120,500 | $ 111,000 |
| St. Louis, MO-IL | 2 | $ 479,000 | $ 239,500 | $ 141,000 |
| Urban Honolulu, HI | 2 | $ 1,167,000 | $ 583,500 | $ 279,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 249,000 | $ 124,500 | $ 293,000 |
| Winston-Salem, NC | 2 | $ 772,000 | $ 386,000 | $ 225,000 |
| Akron, OH | 1 | $ 107,000 | $ 107,000 | $ 45,000 |
| Bend-Redmond, OR | 1 | $ 641,000 | $ 641,000 | $ 336,000 |
| Binghamton, NY | 1 | $ 60,000 | $ 60,000 | $ 95,000 |
| Boston, MA | 1 | $ 488,000 | $ 488,000 | $ 182,000 |
| Burlington-South Burlington, VT | 1 | $ 135,000 | $ 135,000 | $ 3,846,000 |
| Canton-Massillon, OH | 1 | $ 217,000 | $ 217,000 | $ 150,000 |
| Champaign-Urbana, IL | 1 | $ 252,000 | $ 252,000 | $ 282,000 |
| College Station-Bryan, TX | 1 | $ 278,000 | $ 278,000 | $ 100,000 |
| Corpus Christi, TX | 1 | $ 154,000 | $ 154,000 | $ 49,000 |
| Corvallis, OR | 1 | $ 345,000 | $ 345,000 | $ 78,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 417,000 | $ 417,000 | $ 239,000 |
| Elkhart-Goshen, IN | 1 | $ 106,000 | $ 106,000 | $ 41,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 86,000 | $ 86,000 | $ 145,000 |
| Fort Wayne, IN | 1 | $ 359,000 | $ 359,000 | $ 115,000 |
| Great Falls, MT | 1 | $ 150,000 | $ 150,000 | $ 93,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 252,000 | $ 252,000 | $ 143,000 |
| Houma-Thibodaux, LA | 1 | $ 176,000 | $ 176,000 | $ 55,000 |
| Huntsville, AL | 1 | $ 288,000 | $ 288,000 | $ 120,000 |
| Knoxville, TN | 1 | $ 182,000 | $ 182,000 | $ 111,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 200,000 | $ 200,000 | $ 85,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 367,000 | $ 367,000 | $ 116,000 |
| Lancaster, PA | 1 | $ 190,000 | $ 190,000 | $ 73,000 |
| Lexington-Fayette, KY | 1 | $ 124,000 | $ 124,000 | $ 73,000 |
| Manchester-Nashua, NH | 1 | $ 364,000 | $ 364,000 | $ 135,000 |
| Midland, TX | 1 | $ 179,000 | $ 179,000 | $ 140,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 188,000 | $ 188,000 | $ 120,000 |
| Morristown, TN | 1 | $ 84,000 | $ 84,000 | $ 50,000 |
| New Haven-Milford, CT | 1 | $ 177,000 | $ 177,000 | $ 454,000 |
| New Orleans-Metairie, LA | 1 | $ 400,000 | $ 400,000 | $ 197,000 |
| Ocala, FL | 1 | $ 518,000 | $ 518,000 | $ 135,000 |
| Ogden-Clearfield, UT | 1 | $ 324,000 | $ 324,000 | $ 102,000 |
| Oklahoma City, OK | 1 | $ 652,000 | $ 652,000 | $ 275,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 100,000 | $ 100,000 | $ 156,000 |
| Parkersburg-Vienna, WV | 1 | $ 190,000 | $ 190,000 | $ 102,000 |
| Prescott, AZ | 1 | $ 109,000 | $ 109,000 | $ 131,000 |
| Rochester, NY | 1 | $ 112,000 | $ 112,000 | $ 150,000 |
| Saginaw, MI | 1 | $ 128,000 | $ 128,000 | $ 205,000 |
| San Antonio-New Braunfels, TX | 1 | $ 269,000 | $ 269,000 | $ 120,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 264,000 | $ 264,000 | $ 134,000 |
| Savannah, GA | 1 | $ 242,000 | $ 242,000 | $ 111,000 |
| Springfield, MA | 1 | $ 148,000 | $ 148,000 | $ 215,000 |
| State College, PA | 1 | $ 251,000 | $ 251,000 | $ 126,000 |
| Tacoma-Lakewood, WA | 1 | $ 360,000 | $ 360,000 | $ 141,000 |
| Wilmington, DE-MD-NJ | 1 | $ 287,000 | $ 287,000 | $ 95,000 |
| Wilmington, NC | 1 | $ 319,000 | $ 319,000 | $ 99,000 |
| Yuma, AZ | 1 | $ 240,000 | $ 240,000 | $ 170,000 |
Mortgage Loan Application Detail Totals for Rbc Bank (Georgia), N.A. in 2014
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 | 743 | $219,317,000 | $295,000 | $3,000,000 | $191,000 | $3,397,000 |
| Refinancing | 171 | $42,196,000 | $246,000 | $2,000,000 | $233,000 | $3,846,000 |
| 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 | 584 | $177,530,000 | $303,000 | $3,000,000 | $209,000 | $3,397,000 |
| Not Provided | 189 | $52,606,000 | $278,000 | $2,500,000 | $218,000 | $3,846,000 |
| Asian | 75 | $18,931,000 | $252,000 | $1,000,000 | $148,000 | $705,000 |
| Black or African American | 42 | $6,866,000 | $163,000 | $1,125,000 | $97,000 | $1,000,000 |
| Hispanic | 20 | $4,116,000 | $205,000 | $496,000 | $122,000 | $361,000 |
| American Indian or Alaskan Native | 3 | $719,000 | $239,000 | $526,000 | $154,000 | $331,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $745,000 | $745,000 | $745,000 | $166,000 | $166,000 |
| 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) | 913 | $260,999,000 | $285,000 | $3,000,000 | $199,000 | $3,846,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $514,000 | $514,000 | $514,000 | $165,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 525 | $159,412,000 | $303,000 | $2,500,000 | $208,000 | $3,397,000 |
| Application Denied By Financial Institution | 172 | $42,262,000 | $245,000 | $2,000,000 | $172,000 | $3,846,000 |
| Application Withdrawn By Applicant | 115 | $35,494,000 | $308,000 | $2,000,000 | $231,000 | $2,556,000 |
| Application Approved But Not Accepted | 47 | $11,372,000 | $241,000 | $750,000 | $209,000 | $932,000 |
| Loan Purchased By The Institution | 41 | $5,751,000 | $140,000 | $308,000 | $61,000 | $217,000 |
| File Closed For Incompleteness | 14 | $7,222,000 | $515,000 | $3,000,000 | $256,000 | $782,000 |
| 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 | 51 | $10,673,000 | $209,000 | $720,000 | $104,000 | $511,000 |
| Credit Application Incomplete | 32 | $9,907,000 | $309,000 | $1,215,000 | $239,000 | $994,000 |
| Credit History | 29 | $7,417,000 | $255,000 | $720,000 | $300,000 | $3,846,000 |
| Collateral | 24 | $4,058,000 | $169,000 | $925,000 | $107,000 | $203,000 |
| Other | 23 | $7,155,000 | $311,000 | $2,000,000 | $173,000 | $900,000 |
| Unverifiable Information | 6 | $1,097,000 | $182,000 | $555,000 | $116,000 | $390,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,455,000 | $291,000 | $500,000 | $134,000 | $306,000 |
| Employment History | 2 | $500,000 | $250,000 | $405,000 | $51,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rbc Bank (Georgia), N.A.'s 2014 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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