Rbc Bank Mortgage Lending & HMDA Data, 2004
In 2004, Rbc Bank of Rocky Mount, NC reported 7,634 mortgage applications totaling $1.1 billion, down 40% from 2003. The average application was for $138,130, and applicants reported an average income of $83,220. 76% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Virginia Beach-Norfolk-Newport News, VA-NC (617), Raleigh-Cary, NC (578) and Atlanta-Sandy Springs-Marietta, GA (524) (applications in parentheses).
| Mortgage Company & Address | Rbc Bank 131 North Church Street Rocky Mount, NC 27804 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 7,634 |
| Total Mortgage Loan Application Amount | $1,054,491,000 |
| Average Mortgage Loan Application Amount | $138,130 |
| Highest Mortgage Loan Application Amount | $2,925,000 |
| Average Applicant Income | $83,220 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rbc Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Wake, North Carolina | 422 | $ 68,820,000 | $ 163,080 | $ 64,000 |
| Nash, North Carolina | 305 | $ 29,918,000 | $ 98,091 | $ 51,000 |
| Cumberland, North Carolina | 249 | $ 27,462,000 | $ 110,289 | $ 59,000 |
| Mecklenburg, North Carolina | 226 | $ 44,200,000 | $ 195,575 | $ 93,000 |
| Pitt, North Carolina | 221 | $ 25,282,000 | $ 114,398 | $ 46,000 |
| Durham, North Carolina | 195 | $ 24,443,000 | $ 125,348 | $ 57,000 |
| New Hanover, North Carolina | 184 | $ 33,584,000 | $ 182,521 | $ 81,000 |
| Virginia Beach, Virginia | 161 | $ 26,112,000 | $ 162,186 | $ 75,000 |
| Brunswick, North Carolina | 158 | $ 31,713,000 | $ 200,715 | $ 69,000 |
| Rutherford, North Carolina | 154 | $ 14,119,000 | $ 91,681 | $ 55,000 |
| Iredell, North Carolina | 151 | $ 19,206,000 | $ 127,192 | $ 58,000 |
| Dare, North Carolina | 145 | $ 41,341,000 | $ 285,110 | $ 103,000 |
| Onslow, North Carolina | 133 | $ 15,514,000 | $ 116,646 | $ 84,000 |
| Buncombe, North Carolina | 126 | $ 19,991,000 | $ 158,658 | $ 82,000 |
| Harnett, North Carolina | 122 | $ 10,724,000 | $ 87,901 | $ 45,000 |
| Guilford, North Carolina | 121 | $ 15,460,000 | $ 127,768 | $ 59,000 |
| Edgecombe, North Carolina | 120 | $ 7,868,000 | $ 65,566 | $ 44,000 |
| Johnston, North Carolina | 118 | $ 11,933,000 | $ 101,127 | $ 49,000 |
| Fulton, Georgia | 112 | $ 14,648,000 | $ 130,785 | $ 136,000 |
| James City, Virginia | 104 | $ 29,085,000 | $ 279,663 | $ 126,000 |
| Moore, North Carolina | 101 | $ 13,983,000 | $ 138,445 | $ 57,000 |
| Halifax, North Carolina | 100 | $ 6,960,000 | $ 69,600 | $ 42,000 |
| Gaston, North Carolina | 99 | $ 10,545,000 | $ 106,515 | $ 55,000 |
| Carteret, North Carolina | 97 | $ 18,178,000 | $ 187,402 | $ 70,000 |
| DeKalb, Georgia | 95 | $ 11,459,000 | $ 120,621 | $ 74,000 |
| Orange, North Carolina | 92 | $ 15,911,000 | $ 172,945 | $ 84,000 |
| Lee, North Carolina | 91 | $ 9,089,000 | $ 99,879 | $ 46,000 |
| Forsyth, North Carolina | 88 | $ 12,883,000 | $ 146,397 | $ 491,000 |
| Horry, South Carolina | 84 | $ 13,528,000 | $ 161,047 | $ 124,000 |
| Gwinnett, Georgia | 83 | $ 7,135,000 | $ 85,963 | $ 86,000 |
| Chesapeake, Virginia | 77 | $ 9,904,000 | $ 128,623 | $ 75,000 |
| Richmond, North Carolina | 76 | $ 3,542,000 | $ 46,605 | $ 44,000 |
| Randolph, North Carolina | 69 | $ 6,519,000 | $ 94,478 | $ 36,000 |
| Charleston, South Carolina | 69 | $ 22,897,000 | $ 331,840 | $ 134,000 |
| Hertford, North Carolina | 67 | $ 5,318,000 | $ 79,373 | $ 43,000 |
| Norfolk, Virginia | 66 | $ 8,346,000 | $ 126,454 | $ 52,000 |
| Granville, North Carolina | 64 | $ 6,011,000 | $ 93,921 | $ 63,000 |
| Robeson, North Carolina | 64 | $ 4,677,000 | $ 73,078 | $ 133,000 |
| Craven, North Carolina | 61 | $ 7,184,000 | $ 117,770 | $ 48,000 |
| York, South Carolina | 60 | $ 8,597,000 | $ 143,283 | $ 62,000 |
| Cobb, Georgia | 58 | $ 5,579,000 | $ 96,189 | $ 78,000 |
| Alamance, North Carolina | 56 | $ 7,312,000 | $ 130,571 | $ 69,000 |
| Wayne, North Carolina | 56 | $ 5,186,000 | $ 92,607 | $ 48,000 |
| Wilson, North Carolina | 52 | $ 4,354,000 | $ 83,730 | $ 41,000 |
| Hampton, Virginia | 52 | $ 7,697,000 | $ 148,019 | $ 60,000 |
| Florence, South Carolina | 51 | $ 3,640,000 | $ 71,372 | $ 49,000 |
| Newport News, Virginia | 48 | $ 6,087,000 | $ 126,812 | $ 53,000 |
| Chatham, North Carolina | 46 | $ 7,617,000 | $ 165,586 | $ 48,000 |
| Chowan, North Carolina | 46 | $ 4,679,000 | $ 101,717 | $ 50,000 |
| Currituck, North Carolina | 46 | $ 15,036,000 | $ 326,869 | $ 118,000 |
| Pender, North Carolina | 46 | $ 7,620,000 | $ 165,652 | $ 294,000 |
| Vance, North Carolina | 44 | $ 4,068,000 | $ 92,454 | $ 65,000 |
| Columbus, North Carolina | 43 | $ 3,367,000 | $ 78,302 | $ 53,000 |
| Northampton, North Carolina | 43 | $ 1,607,000 | $ 37,372 | $ 42,000 |
| Sampson, North Carolina | 43 | $ 3,324,000 | $ 77,302 | $ 53,000 |
| Pinellas, Florida | 42 | $ 4,911,000 | $ 116,928 | $ 62,000 |
| Bertie, North Carolina | 42 | $ 2,043,000 | $ 48,642 | $ 41,000 |
| Pasquotank, North Carolina | 40 | $ 3,727,000 | $ 93,175 | $ 52,000 |
| Watauga, North Carolina | 40 | $ 5,892,000 | $ 147,300 | $ 81,000 |
| Clayton, Georgia | 39 | $ 3,367,000 | $ 86,333 | $ 50,000 |
| Lenoir, North Carolina | 39 | $ 3,729,000 | $ 95,615 | $ 37,000 |
| Union, North Carolina | 39 | $ 7,592,000 | $ 194,666 | $ 94,000 |
| Caldwell, North Carolina | 38 | $ 3,045,000 | $ 80,131 | $ 40,000 |
| Franklin, North Carolina | 38 | $ 3,654,000 | $ 96,157 | $ 60,000 |
| Hoke, North Carolina | 38 | $ 2,065,000 | $ 54,342 | $ 49,000 |
| Perquimans, North Carolina | 38 | $ 5,911,000 | $ 155,552 | $ 71,000 |
| Scotland, North Carolina | 38 | $ 2,396,000 | $ 63,052 | $ 44,000 |
| Catawba, North Carolina | 37 | $ 4,883,000 | $ 131,972 | $ 54,000 |
| Macon, North Carolina | 37 | $ 7,072,000 | $ 191,135 | $ 97,000 |
| Cleveland, North Carolina | 34 | $ 2,697,000 | $ 79,323 | $ 47,000 |
| Henderson, North Carolina | 34 | $ 4,305,000 | $ 126,617 | $ 43,000 |
| York, Virginia | 34 | $ 7,845,000 | $ 230,735 | $ 93,000 |
| Transylvania, North Carolina | 33 | $ 3,671,000 | $ 111,242 | $ 61,000 |
| Anson, North Carolina | 30 | $ 935,000 | $ 31,166 | $ 37,000 |
| Fairfax, Virginia | 28 | $ 9,998,000 | $ 357,071 | $ 749,000 |
| Seminole, Florida | 27 | $ 3,166,000 | $ 117,259 | $ 42,000 |
| Portsmouth, Virginia | 27 | $ 2,574,000 | $ 95,333 | $ 42,000 |
| Suffolk, Virginia | 27 | $ 4,683,000 | $ 173,444 | $ 54,000 |
| Henry, Georgia | 26 | $ 1,788,000 | $ 68,769 | $ 68,000 |
| Palm Beach, Florida | 25 | $ 5,499,000 | $ 219,960 | $ 110,000 |
| Broward, Florida | 24 | $ 5,827,000 | $ 242,791 | $ 84,000 |
| Greenville, South Carolina | 24 | $ 4,373,000 | $ 182,208 | $ 75,000 |
| Haywood, North Carolina | 22 | $ 2,331,000 | $ 105,954 | $ 65,000 |
| Cherokee, Georgia | 20 | $ 1,439,000 | $ 71,950 | $ 74,000 |
| Beaufort, North Carolina | 20 | $ 2,224,000 | $ 111,200 | $ 73,000 |
| Sarasota, Florida | 19 | $ 4,284,000 | $ 225,473 | $ 66,000 |
| Gates, North Carolina | 19 | $ 1,389,000 | $ 73,105 | $ 43,000 |
| Surry, North Carolina | 19 | $ 1,500,000 | $ 78,947 | $ 37,000 |
| Beaufort, South Carolina | 18 | $ 3,541,000 | $ 196,722 | $ 156,000 |
| Forsyth, Georgia | 17 | $ 1,529,000 | $ 89,941 | $ 74,000 |
| Loudoun, Virginia | 17 | $ 6,860,000 | $ 403,529 | $ 186,000 |
| Cabarrus, North Carolina | 15 | $ 2,981,000 | $ 198,733 | $ 341,000 |
| Duplin, North Carolina | 14 | $ 1,109,000 | $ 79,214 | $ 35,000 |
| Lincoln, North Carolina | 14 | $ 1,510,000 | $ 107,857 | $ 54,000 |
| Madison, North Carolina | 14 | $ 1,328,000 | $ 94,857 | $ 49,000 |
| Orange, Florida | 13 | $ 2,179,000 | $ 167,615 | $ 93,000 |
| Burke, North Carolina | 13 | $ 868,000 | $ 66,769 | $ 51,000 |
| Miami-Dade, Florida | 12 | $ 3,748,000 | $ 312,333 | $ 179,000 |
| Douglas, Georgia | 12 | $ 619,000 | $ 51,583 | $ 76,000 |
| Paulding, Georgia | 12 | $ 419,000 | $ 34,916 | $ 90,000 |
| Bladen, North Carolina | 12 | $ 1,023,000 | $ 85,250 | $ 52,000 |
| Cherokee, North Carolina | 12 | $ 1,580,000 | $ 131,666 | $ 69,000 |
| Jackson, North Carolina | 12 | $ 2,604,000 | $ 217,000 | $ 130,000 |
| Newton, Georgia | 11 | $ 697,000 | $ 63,363 | $ 62,000 |
| Person, North Carolina | 11 | $ 1,928,000 | $ 175,272 | $ 78,000 |
| Rowan, North Carolina | 10 | $ 847,000 | $ 84,700 | $ 57,000 |
| Prince William, Virginia | 10 | $ 2,731,000 | $ 273,100 | $ 96,000 |
| Hillsborough, Florida | 9 | $ 1,392,000 | $ 154,666 | $ 141,000 |
| Monroe, Florida | 9 | $ 4,188,000 | $ 465,333 | $ 262,000 |
| Martin, North Carolina | 9 | $ 627,000 | $ 69,666 | $ 114,000 |
| Warren, North Carolina | 9 | $ 1,294,000 | $ 143,777 | $ 58,000 |
| Yancey, North Carolina | 9 | $ 926,000 | $ 102,888 | $ 89,000 |
| Franklin, Virginia | 9 | $ 3,294,000 | $ 366,000 | $ 296,000 |
| Lee, Florida | 8 | $ 2,087,000 | $ 260,875 | $ 304,000 |
| Chatham, Georgia | 8 | $ 954,000 | $ 119,250 | $ 163,000 |
| Fayette, Georgia | 8 | $ 1,043,000 | $ 130,375 | $ 71,000 |
| Alexander, North Carolina | 8 | $ 1,031,000 | $ 128,875 | $ 85,000 |
| Avery, North Carolina | 8 | $ 1,923,000 | $ 240,375 | $ 258,000 |
| Camden, North Carolina | 8 | $ 893,000 | $ 111,625 | $ 93,000 |
| Davidson, North Carolina | 8 | $ 1,213,000 | $ 151,625 | $ 71,000 |
| Washington, North Carolina | 8 | $ 602,000 | $ 75,250 | $ 119,000 |
| Darlington, South Carolina | 8 | $ 291,000 | $ 36,375 | $ 36,000 |
| Spartanburg, South Carolina | 8 | $ 958,000 | $ 119,750 | $ 76,000 |
| Brevard, Florida | 7 | $ 1,433,000 | $ 204,714 | $ 89,000 |
| Volusia, Florida | 7 | $ 3,152,000 | $ 450,285 | $ 216,000 |
| Mitchell, North Carolina | 7 | $ 591,000 | $ 84,428 | $ 55,000 |
| Pamlico, North Carolina | 7 | $ 820,000 | $ 117,142 | $ 55,000 |
| Polk, North Carolina | 7 | $ 734,000 | $ 104,857 | $ 73,000 |
| Arlington, Virginia | 7 | $ 2,372,000 | $ 338,857 | $ 174,000 |
| Northampton, Virginia | 7 | $ 1,963,000 | $ 280,428 | $ 96,000 |
| Poquoson, Virginia | 7 | $ 1,228,000 | $ 175,428 | $ 75,000 |
| Coweta, Georgia | 6 | $ 362,000 | $ 60,333 | $ 58,000 |
| Rockdale, Georgia | 6 | $ 299,000 | $ 49,833 | $ 82,000 |
| Troup, Georgia | 6 | $ 169,000 | $ 28,166 | $ 85,000 |
| Ashe, North Carolina | 6 | $ 761,000 | $ 126,833 | $ 81,000 |
| Davie, North Carolina | 6 | $ 1,879,000 | $ 313,166 | $ 104,000 |
| Stanly, North Carolina | 6 | $ 490,000 | $ 81,666 | $ 74,000 |
| Georgetown, South Carolina | 6 | $ 2,012,000 | $ 335,333 | $ 195,000 |
| Brunswick, Virginia | 6 | $ 724,000 | $ 120,666 | $ 46,000 |
| Gloucester, Virginia | 6 | $ 1,177,000 | $ 196,166 | $ 124,000 |
| New Kent, Virginia | 6 | $ 1,282,000 | $ 213,666 | $ 75,000 |
| Collier, Florida | 5 | $ 1,982,000 | $ 396,400 | $ 177,000 |
| Duval, Florida | 5 | $ 751,000 | $ 150,200 | $ 105,000 |
| Walton, Florida | 5 | $ 2,282,000 | $ 456,400 | $ 290,000 |
| Hyde, North Carolina | 5 | $ 894,000 | $ 178,800 | $ 258,000 |
| McDowell, North Carolina | 5 | $ 344,000 | $ 68,800 | $ 81,000 |
| Carroll, Virginia | 5 | $ 447,000 | $ 89,400 | $ 75,000 |
| Williamsburg, Virginia | 5 | $ 634,000 | $ 126,800 | $ 80,000 |
| Manatee, Florida | 4 | $ 670,000 | $ 167,500 | $ 109,000 |
| Barrow, Georgia | 4 | $ 354,000 | $ 88,500 | $ 86,000 |
| Carroll, Georgia | 4 | $ 247,000 | $ 61,750 | $ 64,000 |
| Spalding, Georgia | 4 | $ 430,000 | $ 107,500 | $ 53,000 |
| Stokes, North Carolina | 4 | $ 399,000 | $ 99,750 | $ 65,000 |
| Dorchester, South Carolina | 4 | $ 388,000 | $ 97,000 | $ 56,000 |
| Richland, South Carolina | 4 | $ 500,000 | $ 125,000 | $ 59,000 |
| Charlotte, Florida | 3 | $ 340,000 | $ 113,333 | $ 77,000 |
| Okaloosa, Florida | 3 | $ 386,000 | $ 128,666 | $ 140,000 |
| St. Johns, Florida | 3 | $ 537,000 | $ 179,000 | $ 141,000 |
| St. Lucie, Florida | 3 | $ 470,000 | $ 156,666 | $ 73,000 |
| Clarke, Georgia | 3 | $ 530,000 | $ 176,666 | $ 149,000 |
| Columbia, Georgia | 3 | $ 470,000 | $ 156,666 | $ 115,000 |
| Oconee, Georgia | 3 | $ 82,000 | $ 27,333 | $ 86,000 |
| Walton, Georgia | 3 | $ 62,000 | $ 20,666 | $ 68,000 |
| Rockingham, North Carolina | 3 | $ 336,000 | $ 112,000 | $ 58,000 |
| Yadkin, North Carolina | 3 | $ 570,000 | $ 190,000 | $ 63,000 |
| Aiken, South Carolina | 3 | $ 208,000 | $ 69,333 | $ 30,000 |
| Anderson, South Carolina | 3 | $ 202,000 | $ 67,333 | $ 22,000 |
| Berkeley, South Carolina | 3 | $ 808,000 | $ 269,333 | $ 130,000 |
| Kershaw, South Carolina | 3 | $ 286,000 | $ 95,333 | $ 28,000 |
| Lexington, South Carolina | 3 | $ 512,000 | $ 170,666 | $ 80,000 |
| Pickens, South Carolina | 3 | $ 146,000 | $ 48,666 | $ 27,000 |
| Alexandria, Virginia | 3 | $ 364,000 | $ 121,333 | $ 71,000 |
| Mecklenburg, Virginia | 3 | $ 415,000 | $ 138,333 | $ 62,000 |
| Richmond City, Virginia | 3 | $ 530,000 | $ 176,666 | $ 62,000 |
| Orange, California | 2 | $ 456,000 | $ 228,000 | $ 80,000 |
| Gulf, Florida | 2 | $ 265,000 | $ 132,500 | $ 65,000 |
| Lake, Florida | 2 | $ 593,000 | $ 296,500 | $ 135,000 |
| Leon, Florida | 2 | $ 224,000 | $ 112,000 | $ 54,000 |
| Marion, Florida | 2 | $ 509,000 | $ 254,500 | $ 70,000 |
| Martin, Florida | 2 | $ 250,000 | $ 125,000 | $ 45,000 |
| Nassau, Florida | 2 | $ 634,000 | $ 317,000 | $ 384,000 |
| Bryan, Georgia | 2 | $ 407,000 | $ 203,500 | $ 80,000 |
| Greene, Georgia | 2 | $ 623,000 | $ 311,500 | $ 104,000 |
| Hall, Georgia | 2 | $ 285,000 | $ 142,500 | $ 61,000 |
| Clay, North Carolina | 2 | $ 1,050,000 | $ 525,000 | $ 182,000 |
| Graham, North Carolina | 2 | $ 205,000 | $ 102,500 | $ 117,000 |
| Jones, North Carolina | 2 | $ 66,000 | $ 33,000 | $ 20,000 |
| Clarendon, South Carolina | 2 | $ 270,000 | $ 135,000 | $ 75,000 |
| Dillon, South Carolina | 2 | $ 96,000 | $ 48,000 | $ 25,000 |
| Fairfield, South Carolina | 2 | $ 301,000 | $ 150,500 | $ 89,000 |
| Oconee, South Carolina | 2 | $ 743,000 | $ 371,500 | $ 312,000 |
| Accomack, Virginia | 2 | $ 180,000 | $ 90,000 | $ 46,000 |
| Falls Church, Virginia | 2 | $ 745,000 | $ 372,500 | $ 162,000 |
| Greensville, Virginia | 2 | $ 132,000 | $ 66,000 | $ 27,000 |
| Hanover, Virginia | 2 | $ 732,000 | $ 366,000 | $ 211,000 |
| Isle of Wight, Virginia | 2 | $ 726,000 | $ 363,000 | $ 91,000 |
| Middlesex, Virginia | 2 | $ 135,000 | $ 67,500 | $ 25,000 |
| Nelson, Virginia | 2 | $ 263,000 | $ 131,500 | $ 148,000 |
| Southampton, Virginia | 2 | $ 88,000 | $ 44,000 | $ 43,000 |
| Stafford, Virginia | 2 | $ 434,000 | $ 217,000 | $ 145,000 |
| Arapahoe, Colorado | 1 | $ 1,000,000 | $ 1,000,000 | $ 9,999,000 |
| Alachua, Florida | 1 | $ 114,000 | $ 114,000 | $ 73,000 |
| Citrus, Florida | 1 | $ 300,000 | $ 300,000 | $ 1,454,000 |
| Flagler, Florida | 1 | $ 280,000 | $ 280,000 | $ 91,000 |
| Franklin, Florida | 1 | $ 777,000 | $ 777,000 | $ 372,000 |
| Indian River, Florida | 1 | $ 140,000 | $ 140,000 | $ 64,000 |
| Pasco, Florida | 1 | $ 118,000 | $ 118,000 | $ 37,000 |
| Polk, Florida | 1 | $ 96,000 | $ 96,000 | $ 57,000 |
| Santa Rosa, Florida | 1 | $ 124,000 | $ 124,000 | $ 46,000 |
| Wakulla, Florida | 1 | $ 296,000 | $ 296,000 | $ 168,000 |
| Baldwin, Georgia | 1 | $ 24,000 | $ 24,000 | $ 182,000 |
| Bartow, Georgia | 1 | $ 102,000 | $ 102,000 | $ 54,000 |
| Bulloch, Georgia | 1 | $ 17,000 | $ 17,000 | $ 59,000 |
| Butts, Georgia | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Decatur, Georgia | 1 | $ 98,000 | $ 98,000 | $ 36,000 |
| Dougherty, Georgia | 1 | $ 22,000 | $ 22,000 | $ 58,000 |
| Glynn, Georgia | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Heard, Georgia | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Jackson, Georgia | 1 | $ 53,000 | $ 53,000 | $ 138,000 |
| Lumpkin, Georgia | 1 | $ 67,000 | $ 67,000 | $ 67,000 |
| McDuffie, Georgia | 1 | $ 80,000 | $ 80,000 | $ 68,000 |
| Morgan, Georgia | 1 | $ 77,000 | $ 77,000 | $ 129,000 |
| Muscogee, Georgia | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| Pickens, Georgia | 1 | $ 14,000 | $ 14,000 | $ 45,000 |
| Richmond, Georgia | 1 | $ 60,000 | $ 60,000 | $ 70,000 |
| Seminole, Georgia | 1 | $ 19,000 | $ 19,000 | $ 94,000 |
| Cook, Illinois | 1 | $ 522,000 | $ 522,000 | $ 72,000 |
| Hennepin, Minnesota | 1 | $ 251,000 | $ 251,000 | $ 389,000 |
| Lafayette, Mississippi | 1 | $ 88,000 | $ 88,000 | $ 10,000 |
| Jackson, Missouri | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Kings, New York | 1 | $ 90,000 | $ 90,000 | $ 35,000 |
| Alleghany, North Carolina | 1 | $ 204,000 | $ 204,000 | $ 54,000 |
| Caswell, North Carolina | 1 | $ 220,000 | $ 220,000 | $ 95,000 |
| Greene, North Carolina | 1 | $ 133,000 | $ 133,000 | $ 52,000 |
| Montgomery, North Carolina | 1 | $ 270,000 | $ 270,000 | $ 155,000 |
| Montgomery, Ohio | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Barnwell, South Carolina | 1 | $ 142,000 | $ 142,000 | $ 250,000 |
| Chesterfield, South Carolina | 1 | $ 148,000 | $ 148,000 | $ 86,000 |
| Colleton, South Carolina | 1 | $ 850,000 | $ 850,000 | $ 228,000 |
| Lancaster, South Carolina | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Marion, South Carolina | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| Newberry, South Carolina | 1 | $ 157,000 | $ 157,000 | $ 49,000 |
| Williamsburg, South Carolina | 1 | $ 24,000 | $ 24,000 | $ 210,000 |
| Sevier, Tennessee | 1 | $ 210,000 | $ 210,000 | $ 75,000 |
| Unicoi, Tennessee | 1 | $ 43,000 | $ 43,000 | $ 17,000 |
| Albemarle, Virginia | 1 | $ 148,000 | $ 148,000 | $ 38,000 |
| Charlottesville, Virginia | 1 | $ 139,000 | $ 139,000 | $ 32,000 |
| Chesterfield, Virginia | 1 | $ 89,000 | $ 89,000 | $ 52,000 |
| Culpeper, Virginia | 1 | $ 186,000 | $ 186,000 | $ 48,000 |
| Fauquier, Virginia | 1 | $ 282,000 | $ 282,000 | $ 58,000 |
| Frederick, Virginia | 1 | $ 228,000 | $ 228,000 | $ 81,000 |
| Galax, Virginia | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Grayson, Virginia | 1 | $ 180,000 | $ 180,000 | $ 86,000 |
| Henrico, Virginia | 1 | $ 136,000 | $ 136,000 | $ 64,000 |
| Hopewell, Virginia | 1 | $ 83,000 | $ 83,000 | $ 220,000 |
| King William, Virginia | 1 | $ 189,000 | $ 189,000 | $ 105,000 |
| Lynchburg, Virginia | 1 | $ 128,000 | $ 128,000 | $ 473,000 |
| Manassas, Virginia | 1 | $ 256,000 | $ 256,000 | $ 72,000 |
| Manassas Park, Virginia | 1 | $ 334,000 | $ 334,000 | $ 96,000 |
| Montgomery, Virginia | 1 | $ 172,000 | $ 172,000 | $ 31,000 |
| Prince Edward, Virginia | 1 | $ 210,000 | $ 210,000 | $ 54,000 |
| Roanoke, Virginia | 1 | $ 155,000 | $ 155,000 | $ 209,000 |
| Rockingham, Virginia | 1 | $ 12,000 | $ 12,000 | $ 95,000 |
| Shenandoah, Virginia | 1 | $ 500,000 | $ 500,000 | $ 425,000 |
| Surry, Virginia | 1 | $ 220,000 | $ 220,000 | $ 91,000 |
| Wythe, Virginia | 1 | $ 464,000 | $ 464,000 | $ 238,000 |
Mortgage Loan Application Detail Totals for Rbc Bank in 2004
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 | 3,607 | $568,412,000 | $213,833 | $2,925,000 | $87,000 | $4,713,000 |
| Refinancing | 3,582 | $475,121,000 | $256,625 | $1,500,000 | $1,320,000 | $9,999,000 |
| Home Improvement | 445 | $10,958,000 | $40,166 | $730,000 | $77,333 | $694,000 |
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 | 5,785 | $840,824,000 | $178,777 | $1,855,000 | $85,222 | $5,797,000 |
| Black or African American | 1,016 | $95,658,000 | $233,375 | $1,365,000 | $1,353,125 | $9,999,000 |
| Not Provided | 402 | $42,010,000 | $193,428 | $1,000,000 | $76,571 | $2,800,000 |
| Not applicable | 125 | $34,697,000 | $250,000 | $1,950,000 | $10,000 | $999,000 |
| Asian | 120 | $23,459,000 | $203,200 | $2,925,000 | $118,200 | $3,120,000 |
| Hispanic | 116 | $10,363,000 | $149,200 | $682,000 | $103,800 | $265,000 |
| Native Hawaiian or Other Pacific Islander | 36 | $3,889,000 | $182,600 | $476,000 | $57,400 | $300,000 |
| American Indian or Alaskan Native | 34 | $3,591,000 | $122,000 | $728,000 | $56,750 | $240,000 |
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) | 7,262 | $1,013,636,000 | $259,923 | $2,925,000 | $855,692 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 202 | $21,062,000 | $103,166 | $180,000 | $51,666 | $353,000 |
| VA-guaranteed (Veterans Administration) | 167 | $19,532,000 | $119,200 | $251,000 | $40,800 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $261,000 | $87,000 | $90,000 | $34,000 | $52,000 |
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 | 5,798 | $805,550,000 | $271,818 | $1,950,000 | $1,002,000 | $9,999,000 |
| Loan Purchased By The Institution | 866 | $148,240,000 | $180,800 | $999,000 | $94,000 | $9,999,000 |
| Application Denied By Financial Institution | 601 | $52,776,000 | $153,444 | $2,925,000 | $78,222 | $1,370,000 |
| Application Withdrawn By Applicant | 357 | $46,850,000 | $146,333 | $999,000 | $78,000 | $630,000 |
| Application Approved But Not Accepted | 12 | $1,075,000 | $76,500 | $537,000 | $101,500 | $476,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 217 | $8,670,000 | $48,714 | $263,000 | $58,428 | $190,000 |
| Debt-To-Income Ratio | 178 | $8,680,000 | $134,333 | $522,000 | $79,000 | $1,370,000 |
| Credit Application Incomplete | 87 | $16,667,000 | $193,400 | $1,855,000 | $107,000 | $1,090,000 |
| Other | 71 | $12,755,000 | $158,750 | $2,925,000 | $64,000 | $478,000 |
| Collateral | 37 | $4,666,000 | $294,000 | $1,027,000 | $228,800 | $1,032,000 |
| Employment History | 8 | $1,185,000 | $266,500 | $425,000 | $93,500 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $153,000 | $51,000 | $61,000 | $40,000 | $70,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rbc Bank's 2004 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'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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