Rabobank, N.A. Mortgage Lending & HMDA Data, 2009
In 2009, Rabobank, N.A. of Roseville, CA reported 1,779 mortgage applications totaling $595.0 million, up 23% from 2008. The average application was for $334,462, and applicants reported an average income of $170,057. 62% of its applications resulted in an originated loan and 10% were denied. Its largest markets were San Luis Obispo-Paso Robles, CA (754), Santa Barbara-Santa Maria-Goleta, CA (245) and Salinas, CA (122) (applications in parentheses).
| Mortgage Company & Address | Rabobank, N.A. 915 Highland Pointe Dr., Ste 350 Roseville, CA 95678 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,779 |
| Total Mortgage Loan Application Amount | $595,009,000 |
| Average Mortgage Loan Application Amount | $334,462 |
| Highest Mortgage Loan Application Amount | $6,388,000 |
| Average Applicant Income | $170,057 |
| Highest Applicant Income | $6,598,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rabobank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Luis Obispo, California | 754 | $ 236,964,000 | $ 314,275 | $ 160,000 |
| Santa Barbara, California | 245 | $ 81,817,000 | $ 333,946 | $ 153,000 |
| Monterey, California | 122 | $ 36,973,000 | $ 303,057 | $ 161,000 |
| Ventura, California | 113 | $ 34,414,000 | $ 304,548 | $ 131,000 |
| Imperial, California | 73 | $ 11,681,000 | $ 160,013 | $ 93,000 |
| Kern, California | 71 | $ 16,100,000 | $ 226,760 | $ 191,000 |
| Riverside, California | 66 | $ 16,114,000 | $ 244,151 | $ 129,000 |
| Fresno, California | 51 | $ 23,447,000 | $ 459,745 | $ 196,000 |
| Los Angeles, California | 44 | $ 25,869,000 | $ 587,931 | $ 272,000 |
| San Diego, California | 36 | $ 17,809,000 | $ 494,694 | $ 249,000 |
| Placer, California | 27 | $ 13,195,000 | $ 488,703 | $ 506,000 |
| Tulare, California | 22 | $ 4,840,000 | $ 220,000 | $ 162,000 |
| Madera, California | 16 | $ 7,498,000 | $ 468,625 | $ 313,000 |
| Kings, California | 13 | $ 3,381,000 | $ 260,076 | $ 558,000 |
| Orange, California | 12 | $ 5,750,000 | $ 479,166 | $ 336,000 |
| Santa Clara, California | 11 | $ 7,940,000 | $ 721,818 | $ 258,000 |
| Sacramento, California | 10 | $ 3,006,000 | $ 300,600 | $ 85,000 |
| Contra Costa, California | 7 | $ 8,279,000 | $ 1,182,714 | $ 127,000 |
| Merced, California | 7 | $ 1,514,000 | $ 216,285 | $ 125,000 |
| San Benito, California | 7 | $ 2,141,000 | $ 305,857 | $ 179,000 |
| Santa Cruz, California | 7 | $ 3,442,000 | $ 491,714 | $ 203,000 |
| San Bernardino, California | 6 | $ 7,327,000 | $ 1,221,166 | $ 71,000 |
| San Joaquin, California | 6 | $ 1,993,000 | $ 332,166 | $ 91,000 |
| Stanislaus, California | 6 | $ 1,839,000 | $ 306,500 | $ 117,000 |
| Sutter, California | 5 | $ 2,770,000 | $ 554,000 | $ 113,000 |
| Alameda, California | 4 | $ 1,130,000 | $ 282,500 | $ 133,000 |
| Mendocino, California | 4 | $ 2,121,000 | $ 530,250 | $ 74,000 |
| Mono, California | 4 | $ 1,837,000 | $ 459,250 | $ 199,000 |
| Butte, California | 3 | $ 511,000 | $ 170,333 | $ 118,000 |
| Nevada, California | 3 | $ 1,133,000 | $ 377,666 | $ 84,000 |
| Amador, California | 2 | $ 1,019,000 | $ 509,500 | $ 33,000 |
| Humboldt, California | 2 | $ 450,000 | $ 225,000 | $ 66,000 |
| Marin, California | 2 | $ 1,965,000 | $ 982,500 | $ 359,000 |
| Modoc, California | 2 | $ 764,000 | $ 382,000 | $ 0 |
| Plumas, California | 2 | $ 2,243,000 | $ 1,121,500 | $ 1,100,000 |
| Sonoma, California | 2 | $ 1,255,000 | $ 627,500 | $ 0 |
| Tuolumne, California | 2 | $ 239,000 | $ 119,500 | $ 135,000 |
| Yolo, California | 2 | $ 671,000 | $ 335,500 | $ 65,000 |
| Calaveras, California | 1 | $ 356,000 | $ 356,000 | $ 56,000 |
| El Dorado, California | 1 | $ 183,000 | $ 183,000 | $ 80,000 |
| Inyo, California | 1 | $ 400,000 | $ 400,000 | $ 90,000 |
| Napa, California | 1 | $ 873,000 | $ 873,000 | $ 0 |
| San Mateo, California | 1 | $ 1,200,000 | $ 1,200,000 | $ 195,000 |
| Shasta, California | 1 | $ 196,000 | $ 196,000 | $ 103,000 |
| Solano, California | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Yuba, California | 1 | $ 200,000 | $ 200,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for Rabobank, N.A. in 2009
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 | 1,200 | $422,455,000 | $352,000 | $6,388,000 | $153,000 | $5,975,000 |
| Home Purchase | 399 | $135,984,000 | $340,000 | $2,500,000 | $248,000 | $6,598,000 |
| Home Improvement | 180 | $36,570,000 | $203,000 | $1,100,000 | $111,000 | $714,000 |
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 | 1,255 | $405,436,000 | $323,000 | $3,300,000 | $167,000 | $6,598,000 |
| Hispanic | 198 | $41,756,000 | $210,000 | $1,400,000 | $96,000 | $703,000 |
| Not Provided | 192 | $79,117,000 | $412,000 | $5,250,000 | $297,000 | $5,975,000 |
| Asian | 68 | $20,029,000 | $294,000 | $3,000,000 | $176,000 | $1,186,000 |
| Not applicable | 50 | $44,046,000 | $880,000 | $6,388,000 | $69,000 | $3,000,000 |
| Black or African American | 7 | $1,414,000 | $202,000 | $286,000 | $64,000 | $102,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,294,000 | $184,000 | $417,000 | $89,000 | $178,000 |
| American Indian or Alaskan Native | 2 | $1,917,000 | $958,000 | $1,500,000 | $494,000 | $871,000 |
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) | 1,725 | $554,061,000 | $321,000 | $5,250,000 | $175,000 | $6,598,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 43 | $38,061,000 | $885,000 | $6,388,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 9 | $2,121,000 | $235,000 | $351,000 | $70,000 | $139,000 |
| VA-guaranteed (Veterans Administration) | 2 | $766,000 | $383,000 | $398,000 | $126,000 | $157,000 |
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 | 1,106 | $330,095,000 | $298,000 | $3,300,000 | $184,000 | $6,598,000 |
| Application Withdrawn By Applicant | 234 | $80,405,000 | $343,000 | $3,000,000 | $179,000 | $1,840,000 |
| Application Denied By Financial Institution | 186 | $72,323,000 | $388,000 | $5,250,000 | $130,000 | $1,564,000 |
| File Closed For Incompleteness | 109 | $42,386,000 | $388,000 | $1,515,000 | $191,000 | $1,687,000 |
| Application Approved But Not Accepted | 101 | $31,739,000 | $314,000 | $1,550,000 | $126,000 | $722,000 |
| Loan Purchased By The Institution | 43 | $38,061,000 | $885,000 | $6,388,000 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 74 | $35,786,000 | $483,000 | $5,250,000 | $92,000 | $727,000 |
| Collateral | 73 | $27,494,000 | $376,000 | $1,410,000 | $179,000 | $1,564,000 |
| Credit History | 18 | $4,622,000 | $256,000 | $900,000 | $131,000 | $766,000 |
| Other | 11 | $1,420,000 | $129,000 | $417,000 | $110,000 | $323,000 |
| Unverifiable Information | 5 | $1,248,000 | $249,000 | $417,000 | $51,000 | $130,000 |
| Employment History | 4 | $1,163,000 | $290,000 | $580,000 | $78,000 | $189,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $590,000 | $590,000 | $590,000 | $249,000 | $249,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rabobank, N.A.'s 2009 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 Rabobank, 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.
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