Rbc Bank Mortgage Lending & HMDA Data, 2006
In 2006, Rbc Bank of Rocky Mount, NC reported 11,261 mortgage applications totaling $1.5 billion, up 30% from 2005. The average application was for $135,948, and applicants reported an average income of $102,646. 71% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,951), Raleigh-Cary, NC (772) and Virginia Beach-Norfolk-Newport News, VA-NC (687) (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 | 11,261 |
| Total Mortgage Loan Application Amount | $1,530,918,000 |
| Average Mortgage Loan Application Amount | $135,948 |
| Highest Mortgage Loan Application Amount | $6,700,000 |
| Average Applicant Income | $102,646 |
| Highest Applicant Income | $8,800,000 |
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Disclosure Act (HMDA) records Rbc Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,951 | $ 203,686,000 | $ 104,400 | $ 120,000 |
| Raleigh-Cary, NC | 772 | $ 99,001,000 | $ 128,239 | $ 89,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 687 | $ 126,561,000 | $ 184,222 | $ 88,493 |
| Charlotte-Gastonia-Concord, NC-SC | 660 | $ 95,086,000 | $ 144,069 | $ 99,303 |
| Wilmington, NC | 485 | $ 88,597,000 | $ 182,674 | $ 108,000 |
| Durham, NC | 480 | $ 57,518,000 | $ 119,829 | $ 106,000 |
| Fayetteville, NC | 370 | $ 36,867,000 | $ 99,640 | $ 76,000 |
| Rocky Mount, NC | 345 | $ 31,276,000 | $ 90,655 | $ 55,000 |
| Greensboro-High Point, NC | 236 | $ 26,453,000 | $ 112,088 | $ 81,000 |
| Greenville, NC | 226 | $ 23,505,000 | $ 104,004 | $ 79,000 |
| Jacksonville, NC | 218 | $ 28,128,000 | $ 129,027 | $ 67,000 |
| Asheville, NC | 209 | $ 30,595,000 | $ 146,387 | $ 101,000 |
| Winston-Salem, NC | 176 | $ 20,684,000 | $ 117,522 | $ 99,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 131 | $ 26,232,000 | $ 200,244 | $ 155,000 |
| Hickory-Lenoir-Morganton, NC | 119 | $ 14,144,000 | $ 118,857 | $ 99,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 107 | $ 23,740,000 | $ 221,869 | $ 136,000 |
| Tampa-St. Petersburg-Clearwater, FL | 99 | $ 16,973,000 | $ 171,444 | $ 105,000 |
| Charleston-North Charleston, SC | 94 | $ 22,683,000 | $ 241,308 | $ 164,000 |
| Goldsboro, NC | 91 | $ 9,103,000 | $ 100,032 | $ 52,000 |
| Orlando-Kissimmee, FL | 90 | $ 17,934,000 | $ 199,266 | $ 103,000 |
| Sarasota-Bradenton-Venice, FL | 89 | $ 12,165,000 | $ 136,685 | $ 77,000 |
| Burlington, NC | 88 | $ 11,495,000 | $ 130,625 | $ 75,000 |
| Warner Robins, GA | 82 | $ 10,207,000 | $ 124,475 | $ 50,000 |
| Macon, GA | 78 | $ 8,257,000 | $ 105,858 | $ 70,000 |
| Columbus, GA-AL | 72 | $ 5,783,000 | $ 80,319 | $ 51,458 |
| Columbia, SC | 66 | $ 14,790,000 | $ 224,090 | $ 67,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 56 | $ 15,279,000 | $ 272,839 | $ 111,000 |
| Greenville, SC | 50 | $ 6,624,000 | $ 132,480 | $ 106,000 |
| Florence, SC | 43 | $ 2,366,000 | $ 55,023 | $ 57,000 |
| Miami-Miami Beach-Kendall, FL | 31 | $ 7,443,000 | $ 240,096 | $ 159,000 |
| Gainesville, GA | 28 | $ 2,958,000 | $ 105,642 | $ 116,000 |
| Jacksonville, FL | 22 | $ 5,553,000 | $ 252,409 | $ 267,000 |
| Richmond, VA | 22 | $ 3,912,000 | $ 177,818 | $ 104,000 |
| Palm Bay-Melbourne-Titusville, FL | 21 | $ 4,708,000 | $ 224,190 | $ 208,000 |
| Savannah, GA | 17 | $ 2,163,000 | $ 127,235 | $ 256,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 17 | $ 4,455,000 | $ 262,058 | $ 262,000 |
| Phoenix-Mesa-Scottsdale, AZ | 16 | $ 6,505,000 | $ 406,562 | $ 642,000 |
| Punta Gorda, FL | 15 | $ 3,514,000 | $ 234,266 | $ 515,000 |
| Cape Coral-Fort Myers, FL | 13 | $ 4,622,000 | $ 355,538 | $ 532,000 |
| Fort Walton Beach-Crestview-Destin, FL | 13 | $ 1,851,000 | $ 142,384 | $ 219,000 |
| Auburn-Opelika, AL | 11 | $ 1,287,000 | $ 117,000 | $ 49,000 |
| Athens-Clarke County, GA | 10 | $ 1,138,000 | $ 113,800 | $ 112,000 |
| Panama City-Lynn Haven, FL | 10 | $ 4,489,000 | $ 448,900 | $ 185,000 |
| Augusta-Richmond County, GA-SC | 9 | $ 1,221,000 | $ 135,666 | $ 113,333 |
| Lakeland, FL | 9 | $ 1,450,000 | $ 161,111 | $ 119,000 |
| Port St. Lucie-Fort Pierce, FL | 9 | $ 2,410,000 | $ 267,777 | $ 137,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 857,000 | $ 107,125 | $ 234,000 |
| Naples-Marco Island, FL | 8 | $ 2,360,000 | $ 295,000 | $ 182,000 |
| Anderson, SC | 7 | $ 758,000 | $ 108,285 | $ 97,000 |
| Tallahassee, FL | 6 | $ 599,000 | $ 99,833 | $ 130,000 |
| Cambridge-Newton-Framingham, MA | 5 | $ 2,906,000 | $ 581,200 | $ 254,000 |
| Chicago-Naperville-Joliet, IL | 5 | $ 1,163,000 | $ 232,600 | $ 109,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 1,784,000 | $ 356,800 | $ 168,000 |
| Beaumont-Port Arthur, TX | 4 | $ 328,000 | $ 82,000 | $ 59,000 |
| Dallas-Plano-Irving, TX | 4 | $ 1,277,000 | $ 319,250 | $ 309,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 493,000 | $ 123,250 | $ 146,000 |
| Nashville-Davidson--Murfreesboro, TN | 4 | $ 1,106,000 | $ 276,500 | $ 337,000 |
| New York-White Plains-Wayne, NY-NJ | 4 | $ 2,514,000 | $ 628,500 | $ 590,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 255,000 | $ 63,750 | $ 115,000 |
| Roanoke, VA | 4 | $ 599,000 | $ 149,750 | $ 382,000 |
| Spartanburg, SC | 4 | $ 179,000 | $ 44,750 | $ 68,000 |
| St. Louis, MO-IL | 4 | $ 1,450,000 | $ 362,500 | $ 408,000 |
| Baltimore-Towson, MD | 3 | $ 625,000 | $ 208,333 | $ 186,000 |
| Boise City-Nampa, ID | 3 | $ 429,000 | $ 143,000 | $ 81,000 |
| Brunswick, GA | 3 | $ 240,000 | $ 80,000 | $ 96,000 |
| Columbus, OH | 3 | $ 291,000 | $ 97,000 | $ 74,000 |
| Denver-Aurora, CO | 3 | $ 853,000 | $ 284,333 | $ 541,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 1,489,000 | $ 496,333 | $ 149,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 861,000 | $ 287,000 | $ 90,000 |
| Albany, GA | 2 | $ 71,000 | $ 35,500 | $ 77,000 |
| Austin-Round Rock, TX | 2 | $ 431,000 | $ 215,500 | $ 207,000 |
| Boston-Quincy, MA | 2 | $ 1,695,000 | $ 847,500 | $ 542,000 |
| Charlottesville, VA | 2 | $ 791,000 | $ 395,500 | $ 191,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 272,000 | $ 136,000 | $ 65,000 |
| Fort Worth-Arlington, TX | 2 | $ 460,000 | $ 230,000 | $ 125,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 445,000 | $ 222,500 | $ 70,000 |
| Knoxville, TN | 2 | $ 455,000 | $ 227,500 | $ 22,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 655,000 | $ 327,500 | $ 116,000 |
| Ocala, FL | 2 | $ 231,000 | $ 115,500 | $ 45,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 2,417,000 | $ 1,208,500 | $ 370,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 1,766,000 | $ 883,000 | $ 503,000 |
| Sebastian-Vero Beach, FL | 2 | $ 426,000 | $ 213,000 | $ 148,000 |
| Winchester, VA-WV | 2 | $ 246,000 | $ 123,000 | $ 64,000 |
| Ann Arbor, MI | 1 | $ 179,000 | $ 179,000 | $ 43,000 |
| Atlantic City, NJ | 1 | $ 260,000 | $ 260,000 | $ 462,000 |
| Boulder, CO | 1 | $ 408,000 | $ 408,000 | $ 300,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 94,000 | $ 94,000 | $ 54,000 |
| Camden, NJ | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Chattanooga, TN-GA | 1 | $ 38,000 | $ 38,000 | $ 43,000 |
| Chico, CA | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Corpus Christi, TX | 1 | $ 222,000 | $ 222,000 | $ 35,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 218,000 | $ 218,000 | $ 110,000 |
| El Paso, TX | 1 | $ 30,000 | $ 30,000 | $ 58,000 |
| Eugene-Springfield, OR | 1 | $ 100,000 | $ 100,000 | $ 66,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 297,000 | $ 297,000 | $ 110,000 |
| Harrisonburg, VA | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Jackson, TN | 1 | $ 132,000 | $ 132,000 | $ 123,000 |
| Kansas City, MO-KS | 1 | $ 177,000 | $ 177,000 | $ 67,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 87,000 | $ 87,000 | $ 300,000 |
| Lafayette, IN | 1 | $ 103,000 | $ 103,000 | $ 28,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 424,000 | $ 424,000 | $ 158,000 |
| Lansing-East Lansing, MI | 1 | $ 105,000 | $ 105,000 | $ 110,000 |
| Las Vegas-Paradise, NV | 1 | $ 135,000 | $ 135,000 | $ 107,000 |
| Medford, OR | 1 | $ 160,000 | $ 160,000 | $ 43,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 880,000 | $ 880,000 | $ 0 |
| Nassau-Suffolk, NY | 1 | $ 1,500,000 | $ 1,500,000 | $ 2,142,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 358,000 | $ 358,000 | $ 275,000 |
| Niles-Benton Harbor, MI | 1 | $ 104,000 | $ 104,000 | $ 95,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 448,000 | $ 448,000 | $ 131,000 |
| Pascagoula, MS | 1 | $ 170,000 | $ 170,000 | $ 82,000 |
| Peoria, IL | 1 | $ 164,000 | $ 164,000 | $ 65,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 1,013,000 | $ 1,013,000 | $ 161,000 |
| Pueblo, CO | 1 | $ 264,000 | $ 264,000 | $ 234,000 |
| Rome, GA | 1 | $ 220,000 | $ 220,000 | $ 128,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 540,000 | $ 540,000 | $ 175,000 |
| Salt Lake City, UT | 1 | $ 278,000 | $ 278,000 | $ 107,000 |
| San Antonio, TX | 1 | $ 260,000 | $ 260,000 | $ 102,000 |
| Santa Barbara-Santa Maria, CA | 1 | $ 500,000 | $ 500,000 | $ 180,000 |
| Spokane, WA | 1 | $ 612,000 | $ 612,000 | $ 270,000 |
| Sumter, SC | 1 | $ 20,000 | $ 20,000 | $ 12,000 |
| Tucson, AZ | 1 | $ 355,000 | $ 355,000 | $ 209,000 |
| Valdosta, GA | 1 | $ 73,000 | $ 73,000 | $ 46,000 |
| Yakima, WA | 1 | $ 191,000 | $ 191,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Rbc Bank in 2006
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 | 5,582 | $751,594,000 | $134,000 | $6,700,000 | $104,000 | $4,800,000 |
| Home Purchase | 4,842 | $739,794,000 | $152,000 | $2,316,000 | $105,000 | $8,800,000 |
| Home Improvement | 837 | $39,530,000 | $47,000 | $1,040,000 | $80,000 | $879,000 |
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 | 7,828 | $1,134,947,000 | $144,000 | $2,600,000 | $105,000 | $4,800,000 |
| Not Provided | 1,562 | $151,833,000 | $97,000 | $1,052,000 | $124,000 | $3,186,000 |
| Black or African American | 1,234 | $134,097,000 | $108,000 | $1,100,000 | $67,000 | $3,371,000 |
| Hispanic | 285 | $39,466,000 | $138,000 | $1,000,000 | $82,000 | $873,000 |
| Asian | 153 | $27,444,000 | $179,000 | $2,000,000 | $101,000 | $654,000 |
| Not applicable | 101 | $33,228,000 | $328,000 | $6,700,000 | $155,000 | $8,800,000 |
| American Indian or Alaskan Native | 60 | $4,802,000 | $80,000 | $306,000 | $62,000 | $185,000 |
| Native Hawaiian or Other Pacific Islander | 38 | $5,101,000 | $134,000 | $920,000 | $76,000 | $364,000 |
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) | 10,509 | $1,427,651,000 | $135,000 | $6,700,000 | $107,000 | $8,800,000 |
| FHA-insured (Federal Housing Administration) | 409 | $49,477,000 | $120,000 | $294,000 | $47,000 | $231,000 |
| VA-guaranteed (Veterans Administration) | 331 | $52,372,000 | $158,000 | $424,000 | $50,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,418,000 | $118,000 | $155,000 | $41,000 | $95,000 |
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 | 7,968 | $1,094,084,000 | $137,000 | $6,700,000 | $112,000 | $8,800,000 |
| Application Denied By Financial Institution | 1,204 | $139,076,000 | $115,000 | $2,600,000 | $79,000 | $1,980,000 |
| Application Withdrawn By Applicant | 1,043 | $146,379,000 | $140,000 | $2,316,000 | $103,000 | $2,950,000 |
| Loan Purchased By The Institution | 814 | $108,345,000 | $133,000 | $426,000 | $47,000 | $269,000 |
| Application Approved But Not Accepted | 184 | $33,684,000 | $183,000 | $1,054,000 | $100,000 | $700,000 |
| Preapproval Denied by Financial Institution | 27 | $3,618,000 | $134,000 | $400,000 | $51,000 | $143,000 |
| File Closed For Incompleteness | 21 | $5,732,000 | $272,000 | $1,592,000 | $114,000 | $960,000 |
| Preapproval Approved but not Accepted | 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 | 379 | $26,012,000 | $68,000 | $680,000 | $58,000 | $1,980,000 |
| Debt-To-Income Ratio | 280 | $21,524,000 | $76,000 | $652,000 | $55,000 | $495,000 |
| Credit Application Incomplete | 238 | $52,219,000 | $219,000 | $2,600,000 | $108,000 | $1,200,000 |
| Collateral | 102 | $12,589,000 | $123,000 | $2,400,000 | $95,000 | $720,000 |
| Other | 77 | $12,697,000 | $164,000 | $1,300,000 | $115,000 | $938,000 |
| Unverifiable Information | 19 | $2,422,000 | $127,000 | $1,000,000 | $89,000 | $284,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $3,327,000 | $195,000 | $750,000 | $84,000 | $420,000 |
| Employment History | 11 | $1,768,000 | $160,000 | $595,000 | $93,000 | $430,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rbc Bank's 2006 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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