Rabobank, National Association Mortgage Lending & HMDA Data, 2012
In 2012, Rabobank, National Association of Roseville, CA reported 1,740 mortgage applications totaling $894.6 million, up 27% from 2011. The average application was for $514,118, and applicants reported an average income of $244,904. 66% of its applications resulted in an originated loan and 17% were denied. Its largest markets were San Luis Obispo-Paso Robles, CA (523), Santa Barbara-Santa Maria-Goleta, CA (258) and Fresno, CA (82) (applications in parentheses).
| Mortgage Company & Address | Rabobank, National Association 915 Highland Pointe Drive Roseville, CA 95678 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,740 |
| Total Mortgage Loan Application Amount | $894,567,000 |
| Average Mortgage Loan Application Amount | $514,118 |
| Highest Mortgage Loan Application Amount | $58,000,000 |
| Average Applicant Income | $244,904 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rabobank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 523 | $ 167,986,000 | $ 321,196 | $ 158,000 |
| Santa Barbara, California | 258 | $ 102,055,000 | $ 395,562 | $ 180,000 |
| Fresno, California | 82 | $ 34,113,000 | $ 416,012 | $ 320,000 |
| Ventura, California | 82 | $ 32,823,000 | $ 400,280 | $ 186,000 |
| Monterey, California | 81 | $ 41,311,000 | $ 510,012 | $ 232,000 |
| Kern, California | 75 | $ 41,537,000 | $ 553,826 | $ 264,000 |
| Riverside, California | 64 | $ 27,203,000 | $ 425,046 | $ 283,000 |
| Butte, California | 61 | $ 12,802,000 | $ 209,868 | $ 104,000 |
| Imperial, California | 53 | $ 8,730,000 | $ 164,716 | $ 264,000 |
| San Diego, California | 48 | $ 14,113,000 | $ 294,020 | $ 390,000 |
| Stanislaus, California | 46 | $ 14,743,000 | $ 320,500 | $ 170,000 |
| Merced, California | 41 | $ 11,249,000 | $ 274,365 | $ 152,000 |
| San Joaquin, California | 36 | $ 40,302,000 | $ 1,119,500 | $ 376,000 |
| Napa, California | 33 | $ 20,789,000 | $ 629,969 | $ 449,000 |
| Tulare, California | 28 | $ 62,962,000 | $ 2,248,642 | $ 1,454,000 |
| Sutter, California | 26 | $ 14,305,000 | $ 550,192 | $ 225,000 |
| Los Angeles, California | 19 | $ 11,691,000 | $ 615,315 | $ 477,000 |
| Sonoma, California | 15 | $ 23,170,000 | $ 1,544,666 | $ 747,000 |
| Orange, California | 13 | $ 9,325,000 | $ 717,307 | $ 530,000 |
| Kings, California | 11 | $ 13,690,000 | $ 1,244,545 | $ 654,000 |
| Madera, California | 11 | $ 5,400,000 | $ 490,909 | $ 1,029,000 |
| Placer, California | 11 | $ 4,316,000 | $ 392,363 | $ 249,000 |
| Calaveras, California | 10 | $ 3,146,000 | $ 314,600 | $ 118,000 |
| Yuba, California | 9 | $ 3,251,000 | $ 361,222 | $ 101,000 |
| Alameda, California | 8 | $ 2,035,000 | $ 254,375 | $ 204,000 |
| Sacramento, California | 8 | $ 2,309,000 | $ 288,625 | $ 136,000 |
| San Bernardino, California | 7 | $ 2,695,000 | $ 385,000 | $ 150,000 |
| Contra Costa, California | 6 | $ 1,326,000 | $ 221,000 | $ 560,000 |
| Marin, California | 6 | $ 4,917,000 | $ 819,500 | $ 324,000 |
| Santa Clara, California | 6 | $ 3,823,000 | $ 637,166 | $ 234,000 |
| Tehama, California | 6 | $ 1,193,000 | $ 198,833 | $ 97,000 |
| Glenn, California | 5 | $ 1,012,000 | $ 202,400 | $ 46,000 |
| San Benito, California | 5 | $ 2,872,000 | $ 574,400 | $ 84,000 |
| Yolo, California | 5 | $ 46,466,000 | $ 9,293,200 | $ 59,000 |
| Colusa, California | 4 | $ 1,095,000 | $ 273,750 | $ 136,000 |
| Santa Cruz, California | 4 | $ 1,738,000 | $ 434,500 | $ 9,000 |
| Tuolumne, California | 4 | $ 858,000 | $ 214,500 | $ 53,000 |
| Mariposa, California | 3 | $ 755,000 | $ 251,666 | $ 74,000 |
| El Dorado, California | 2 | $ 2,188,000 | $ 1,094,000 | $ 1,330,000 |
| Lake, California | 2 | $ 65,000,000 | $ 32,500,000 | $ 0 |
| Nevada, California | 2 | $ 494,000 | $ 247,000 | $ 111,000 |
| Plumas, California | 2 | $ 588,000 | $ 294,000 | $ 97,000 |
| San Francisco, California | 2 | $ 684,000 | $ 342,000 | $ 148,000 |
| San Mateo, California | 2 | $ 1,766,000 | $ 883,000 | $ 940,000 |
| Shasta, California | 2 | $ 300,000 | $ 150,000 | $ 104,000 |
| Moffat, Colorado | 2 | $ 5,950,000 | $ 2,975,000 | $ 0 |
| Maricopa, Arizona | 1 | $ 9,000,000 | $ 9,000,000 | $ 0 |
| Pinal, Arizona | 1 | $ 2,500,000 | $ 2,500,000 | $ 0 |
| Alpine, California | 1 | $ 216,000 | $ 216,000 | $ 100,000 |
| Amador, California | 1 | $ 855,000 | $ 855,000 | $ 329,000 |
| Humboldt, California | 1 | $ 223,000 | $ 223,000 | $ 131,000 |
| Modoc, California | 1 | $ 3,036,000 | $ 3,036,000 | $ 0 |
| Siskiyou, California | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,127,000 |
| Solano, California | 1 | $ 196,000 | $ 196,000 | $ 83,000 |
| Saguache, Colorado | 1 | $ 1,535,000 | $ 1,535,000 | $ 0 |
| Jefferson, Florida | 1 | $ 3,055,000 | $ 3,055,000 | $ 0 |
| Brooks, Georgia | 1 | $ 1,875,000 | $ 1,875,000 | $ 0 |
Mortgage Loan Application Detail Totals for Rabobank, National Association 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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,376 | $793,121,000 | $576,000 | $58,000,000 | $246,000 | $9,999,000 |
| Home Purchase | 261 | $78,982,000 | $302,000 | $2,925,000 | $290,000 | $3,775,000 |
| Home Improvement | 103 | $22,464,000 | $218,000 | $1,500,000 | $116,000 | $762,000 |
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 | 1,223 | $486,926,000 | $398,000 | $22,689,000 | $263,000 | $9,999,000 |
| Not Provided | 190 | $82,516,000 | $434,000 | $3,750,000 | $303,000 | $5,145,000 |
| Hispanic | 173 | $40,171,000 | $232,000 | $906,000 | $158,000 | $3,376,000 |
| Asian | 78 | $19,017,000 | $243,000 | $1,128,000 | $215,000 | $882,000 |
| Not applicable | 56 | $260,862,000 | $4,658,000 | $58,000,000 | $0 | $0 |
| Black or African American | 9 | $3,320,000 | $368,000 | $1,150,000 | $129,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,044,000 | $130,000 | $300,000 | $77,000 | $142,000 |
| American Indian or Alaskan Native | 3 | $711,000 | $237,000 | $417,000 | $434,000 | $967,000 |
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) | 1,738 | $892,558,000 | $513,000 | $58,000,000 | $245,000 | $9,999,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $2,009,000 | $1,004,000 | $1,309,000 | $0 | $0 |
| 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 | 1,145 | $684,290,000 | $597,000 | $58,000,000 | $269,000 | $9,999,000 |
| Application Denied By Financial Institution | 295 | $110,470,000 | $374,000 | $2,175,000 | $172,000 | $6,247,000 |
| Application Withdrawn By Applicant | 153 | $43,646,000 | $285,000 | $3,200,000 | $222,000 | $4,331,000 |
| Application Approved But Not Accepted | 105 | $29,431,000 | $280,000 | $2,500,000 | $231,000 | $2,514,000 |
| File Closed For Incompleteness | 41 | $20,730,000 | $505,000 | $2,088,000 | $222,000 | $1,197,000 |
| Loan Purchased By The Institution | 1 | $6,000,000 | $6,000,000 | $6,000,000 | $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 | 99 | $35,357,000 | $357,000 | $2,175,000 | $85,000 | $481,000 |
| Collateral | 98 | $44,108,000 | $450,000 | $2,130,000 | $278,000 | $6,247,000 |
| Credit History | 70 | $23,079,000 | $329,000 | $2,000,000 | $180,000 | $1,189,000 |
| Other | 15 | $3,426,000 | $228,000 | $485,000 | $117,000 | $302,000 |
| Employment History | 4 | $892,000 | $223,000 | $500,000 | $33,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,392,000 | $348,000 | $1,000,000 | $32,000 | $72,000 |
| Mortgage Insurance Denied | 2 | $471,000 | $235,000 | $248,000 | $46,000 | $54,000 |
| Unverifiable Information | 2 | $1,165,000 | $582,000 | $900,000 | $142,000 | $248,000 |
| Credit Application Incomplete | 1 | $580,000 | $580,000 | $580,000 | $157,000 | $157,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rabobank, National Association'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 Rabobank, National Association'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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