Rbc Bank Mortgage Lending & HMDA Data, 2008
In 2008, Rbc Bank of Rocky Mount, NC reported 11,704 mortgage applications totaling $2.3 billion, down 2% from 2007. The average application was for $199,953, and applicants reported an average income of $127,022. 61% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,138), Raleigh-Cary, NC (853) and Charlotte-Gastonia-Concord, NC-SC (491) (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 | 11,704 |
| Total Mortgage Loan Application Amount | $2,340,261,000 |
| Average Mortgage Loan Application Amount | $199,953 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $127,022 |
| 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Disclosure Act (HMDA) records Rbc Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,138 | $ 168,816,000 | $ 148,344 | $ 119,000 |
| Raleigh-Cary, NC | 853 | $ 200,115,000 | $ 234,601 | $ 139,000 |
| Charlotte-Gastonia-Concord, NC-SC | 491 | $ 120,572,000 | $ 245,564 | $ 129,625 |
| Huntsville, AL | 455 | $ 85,565,000 | $ 188,054 | $ 112,000 |
| Wilmington, NC | 414 | $ 109,549,000 | $ 264,611 | $ 169,000 |
| Mobile, AL | 399 | $ 51,097,000 | $ 128,062 | $ 85,000 |
| Birmingham-Hoover, AL | 370 | $ 83,532,000 | $ 225,762 | $ 116,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 319 | $ 69,522,000 | $ 217,937 | $ 94,642 |
| Rocky Mount, NC | 309 | $ 33,189,000 | $ 107,407 | $ 64,000 |
| Fayetteville, NC | 299 | $ 40,333,000 | $ 134,892 | $ 74,000 |
| Jacksonville, NC | 262 | $ 37,954,000 | $ 144,862 | $ 71,000 |
| Durham, NC | 248 | $ 44,413,000 | $ 179,084 | $ 114,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 232 | $ 83,323,000 | $ 359,150 | $ 215,000 |
| Greensboro-High Point, NC | 207 | $ 29,400,000 | $ 142,028 | $ 82,000 |
| Greenville, NC | 184 | $ 25,855,000 | $ 140,516 | $ 85,000 |
| Orlando-Kissimmee, FL | 165 | $ 41,176,000 | $ 249,551 | $ 174,000 |
| Asheville, NC | 158 | $ 40,340,000 | $ 255,316 | $ 124,000 |
| Decatur, AL | 135 | $ 21,244,000 | $ 157,362 | $ 84,000 |
| Columbia, SC | 132 | $ 20,634,000 | $ 156,318 | $ 82,000 |
| Goldsboro, NC | 125 | $ 14,370,000 | $ 114,960 | $ 66,000 |
| Montgomery, AL | 116 | $ 15,898,000 | $ 137,051 | $ 104,000 |
| Phoenix-Mesa-Scottsdale, AZ | 110 | $ 25,531,000 | $ 232,100 | $ 262,000 |
| Charleston-North Charleston-Summerville, SC | 106 | $ 51,199,000 | $ 483,009 | $ 219,000 |
| Tampa-St. Petersburg-Clearwater, FL | 101 | $ 21,825,000 | $ 216,089 | $ 162,000 |
| Winston-Salem, NC | 101 | $ 16,308,000 | $ 161,465 | $ 115,000 |
| Pensacola-Ferry Pass-Brent, FL | 99 | $ 22,047,000 | $ 222,696 | $ 104,000 |
| Florence, SC | 72 | $ 9,312,000 | $ 129,333 | $ 63,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 67 | $ 12,605,000 | $ 188,134 | $ 168,597 |
| Hickory-Lenoir-Morganton, NC | 65 | $ 12,366,000 | $ 190,246 | $ 81,000 |
| Tuscaloosa, AL | 63 | $ 10,883,000 | $ 172,746 | $ 108,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 60 | $ 22,287,000 | $ 371,450 | $ 340,000 |
| Greenville-Mauldin-Easley, SC | 55 | $ 7,246,000 | $ 131,745 | $ 89,000 |
| Palm Bay-Melbourne-Titusville, FL | 55 | $ 9,693,000 | $ 176,236 | $ 121,000 |
| Auburn-Opelika, AL | 54 | $ 10,870,000 | $ 201,296 | $ 107,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 52 | $ 14,089,000 | $ 270,942 | $ 218,000 |
| Warner Robins, GA | 51 | $ 6,869,000 | $ 134,686 | $ 72,000 |
| Bradenton-Sarasota-Venice, FL | 50 | $ 14,507,000 | $ 290,140 | $ 211,000 |
| Burlington, NC | 47 | $ 6,221,000 | $ 132,361 | $ 87,000 |
| Miami-Miami Beach-Kendall, FL | 46 | $ 14,649,000 | $ 318,456 | $ 271,000 |
| Sebastian-Vero Beach, FL | 36 | $ 5,267,000 | $ 146,305 | $ 91,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 34 | $ 6,910,000 | $ 203,235 | $ 94,000 |
| Riverside-San Bernardino-Ontario, CA | 31 | $ 10,279,000 | $ 331,580 | $ 485,000 |
| Naples-Marco Island, FL | 30 | $ 10,169,000 | $ 338,966 | $ 251,000 |
| Cape Coral-Fort Myers, FL | 28 | $ 8,027,000 | $ 286,678 | $ 256,000 |
| Richmond, VA | 23 | $ 6,481,000 | $ 281,782 | $ 563,000 |
| Lakeland-Winter Haven, FL | 21 | $ 3,592,000 | $ 171,047 | $ 139,000 |
| Columbus, GA-AL | 20 | $ 1,587,000 | $ 79,350 | $ 62,200 |
| Las Vegas-Paradise, NV | 20 | $ 5,555,000 | $ 277,750 | $ 316,000 |
| Gainesville, FL | 19 | $ 3,267,000 | $ 171,947 | $ 93,000 |
| Macon, GA | 17 | $ 2,475,000 | $ 145,588 | $ 74,000 |
| Savannah, GA | 15 | $ 2,463,000 | $ 164,200 | $ 95,000 |
| Augusta-Richmond County, GA-SC | 14 | $ 2,284,000 | $ 163,142 | $ 103,214 |
| New York-White Plains-Wayne, NY-NJ | 14 | $ 10,249,000 | $ 732,071 | $ 810,714 |
| Palm Coast, FL | 13 | $ 2,603,000 | $ 200,230 | $ 85,000 |
| Punta Gorda, FL | 13 | $ 2,362,000 | $ 181,692 | $ 125,000 |
| Houston-Sugar Land-Baytown, TX | 12 | $ 3,539,000 | $ 294,916 | $ 138,000 |
| Los Angeles-Long Beach-Glendale, CA | 12 | $ 5,306,000 | $ 442,166 | $ 385,000 |
| Panama City-Lynn Haven, FL | 12 | $ 2,704,000 | $ 225,333 | $ 186,000 |
| Fort Walton Beach-Crestview-Destin, FL | 11 | $ 3,806,000 | $ 346,000 | $ 251,000 |
| San Diego-Carlsbad-San Marcos, CA | 11 | $ 4,957,000 | $ 450,636 | $ 207,000 |
| Dallas-Plano-Irving, TX | 10 | $ 2,785,000 | $ 278,500 | $ 157,000 |
| Jacksonville, FL | 10 | $ 2,253,000 | $ 225,300 | $ 269,000 |
| Port St. Lucie, FL | 10 | $ 3,400,000 | $ 340,000 | $ 210,000 |
| Gainesville, GA | 9 | $ 1,867,000 | $ 207,444 | $ 158,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 9 | $ 2,454,000 | $ 272,666 | $ 115,000 |
| Spartanburg, SC | 8 | $ 810,000 | $ 101,250 | $ 86,000 |
| Athens-Clarke County, GA | 7 | $ 1,344,000 | $ 192,000 | $ 112,000 |
| Bellingham, WA | 7 | $ 2,111,000 | $ 301,571 | $ 124,000 |
| Charlottesville, VA | 7 | $ 1,850,000 | $ 264,285 | $ 178,000 |
| Denver-Aurora, CO | 7 | $ 4,330,000 | $ 618,571 | $ 516,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 7 | $ 1,279,000 | $ 182,714 | $ 73,000 |
| Newark-Union, NJ-PA | 7 | $ 3,574,000 | $ 510,571 | $ 681,000 |
| Chicago-Naperville-Joliet, IL | 6 | $ 1,892,000 | $ 315,333 | $ 321,000 |
| Ocala, FL | 6 | $ 2,472,000 | $ 412,000 | $ 659,000 |
| Pascagoula, MS | 6 | $ 1,249,000 | $ 208,166 | $ 59,000 |
| Boston-Quincy, MA | 5 | $ 4,918,000 | $ 983,600 | $ 1,725,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 1,757,000 | $ 351,400 | $ 113,000 |
| Anderson, SC | 4 | $ 486,000 | $ 121,500 | $ 35,000 |
| Brunswick, GA | 4 | $ 891,000 | $ 222,750 | $ 147,000 |
| Fort Worth-Arlington, TX | 4 | $ 483,000 | $ 120,750 | $ 79,000 |
| Lynchburg, VA | 4 | $ 399,000 | $ 99,750 | $ 78,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 893,000 | $ 223,250 | $ 204,000 |
| Salt Lake City, UT | 4 | $ 5,102,000 | $ 1,275,500 | $ 593,000 |
| Albany, GA | 3 | $ 475,000 | $ 158,333 | $ 123,000 |
| Cheyenne, WY | 3 | $ 725,000 | $ 241,666 | $ 113,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 230,000 | $ 76,666 | $ 85,000 |
| Indianapolis-Carmel, IN | 3 | $ 653,000 | $ 217,666 | $ 128,000 |
| Nassau-Suffolk, NY | 3 | $ 875,000 | $ 291,666 | $ 177,000 |
| Oklahoma City, OK | 3 | $ 1,131,000 | $ 377,000 | $ 205,000 |
| Pittsburgh, PA | 3 | $ 610,000 | $ 203,333 | $ 144,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 912,000 | $ 304,000 | $ 137,000 |
| Rochester, NY | 3 | $ 287,000 | $ 95,666 | $ 118,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 2,620,000 | $ 873,333 | $ 239,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 2,819,000 | $ 939,666 | $ 639,000 |
| St. Louis, MO-IL | 3 | $ 637,000 | $ 212,333 | $ 112,666 |
| Tacoma, WA | 3 | $ 922,000 | $ 307,333 | $ 135,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 459,000 | $ 153,000 | $ 46,000 |
| Baltimore-Towson, MD | 2 | $ 966,000 | $ 483,000 | $ 1,342,000 |
| Bethesda-Frederick-Gaithersburg, MD | 2 | $ 1,150,000 | $ 575,000 | $ 217,000 |
| Boise City-Nampa, ID | 2 | $ 502,000 | $ 251,000 | $ 81,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 373,000 | $ 186,500 | $ 87,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 696,000 | $ 348,000 | $ 148,000 |
| Dalton, GA | 2 | $ 450,000 | $ 225,000 | $ 79,000 |
| Edison-New Brunswick, NJ | 2 | $ 546,000 | $ 273,000 | $ 223,000 |
| Erie, PA | 2 | $ 498,000 | $ 249,000 | $ 206,000 |
| Florence-Muscle Shoals, AL | 2 | $ 255,000 | $ 127,500 | $ 126,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 457,000 | $ 228,500 | $ 136,000 |
| Harrisonburg, VA | 2 | $ 414,000 | $ 207,000 | $ 103,000 |
| Johnson City, TN | 2 | $ 305,000 | $ 152,500 | $ 136,000 |
| Kansas City, MO-KS | 2 | $ 96,000 | $ 48,000 | $ 45,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 375,000 | $ 187,500 | $ 84,000 |
| Manchester-Nashua, NH | 2 | $ 326,000 | $ 163,000 | $ 66,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 1,663,000 | $ 831,500 | $ 252,000 |
| Roanoke, VA | 2 | $ 358,000 | $ 179,000 | $ 113,000 |
| Rome, GA | 2 | $ 197,000 | $ 98,500 | $ 50,000 |
| Salinas, CA | 2 | $ 982,000 | $ 491,000 | $ 298,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 948,000 | $ 474,000 | $ 154,000 |
| Santa Fe, NM | 2 | $ 910,000 | $ 455,000 | $ 121,000 |
| Tucson, AZ | 2 | $ 510,000 | $ 255,000 | $ 145,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 100,000 | $ 100,000 | $ 28,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 79,000 | $ 79,000 | $ 38,000 |
| Austin-Round Rock, TX | 1 | $ 390,000 | $ 390,000 | $ 0 |
| Bakersfield, CA | 1 | $ 417,000 | $ 417,000 | $ 86,000 |
| Barnstable Town, MA | 1 | $ 202,000 | $ 202,000 | $ 75,000 |
| Baton Rouge, LA | 1 | $ 210,000 | $ 210,000 | $ 194,000 |
| Binghamton, NY | 1 | $ 288,000 | $ 288,000 | $ 351,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| Bremerton-Silverdale, WA | 1 | $ 140,000 | $ 140,000 | $ 84,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 1,200,000 | $ 1,200,000 | $ 254,000 |
| Burlington-South Burlington, VT | 1 | $ 229,000 | $ 229,000 | $ 107,000 |
| Cedar Rapids, IA | 1 | $ 200,000 | $ 200,000 | $ 168,000 |
| Chattanooga, TN-GA | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 310,000 | $ 310,000 | $ 205,000 |
| Coeur D'Alene, ID | 1 | $ 222,000 | $ 222,000 | $ 103,000 |
| Colorado Springs, CO | 1 | $ 284,000 | $ 284,000 | $ 164,000 |
| Columbus, OH | 1 | $ 145,000 | $ 145,000 | $ 103,000 |
| Corpus Christi, TX | 1 | $ 60,000 | $ 60,000 | $ 32,000 |
| Danville, VA | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 176,000 | $ 176,000 | $ 85,000 |
| Dayton, OH | 1 | $ 72,000 | $ 72,000 | $ 105,000 |
| Decatur, IL | 1 | $ 187,000 | $ 187,000 | $ 111,000 |
| Dothan, AL | 1 | $ 250,000 | $ 250,000 | $ 95,000 |
| Evansville, IN-KY | 1 | $ 212,000 | $ 212,000 | $ 176,000 |
| Gary, IN | 1 | $ 207,000 | $ 207,000 | $ 82,000 |
| Gulfport-Biloxi, MS | 1 | $ 311,000 | $ 311,000 | $ 242,000 |
| Hattiesburg, MS | 1 | $ 224,000 | $ 224,000 | $ 82,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 124,000 | $ 124,000 | $ 45,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 268,000 | $ 268,000 | $ 132,000 |
| Lake Charles, LA | 1 | $ 110,000 | $ 110,000 | $ 65,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 160,000 | $ 160,000 | $ 38,000 |
| Lexington-Fayette, KY | 1 | $ 68,000 | $ 68,000 | $ 16,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 290,000 | $ 290,000 | $ 100,000 |
| Madison, WI | 1 | $ 270,000 | $ 270,000 | $ 74,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 164,000 | $ 164,000 | $ 85,000 |
| Muskegon-Norton Shores, MI | 1 | $ 50,000 | $ 50,000 | $ 65,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 224,000 | $ 224,000 | $ 80,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 224,000 | $ 224,000 | $ 109,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 473,000 | $ 473,000 | $ 148,000 |
| Peabody, MA | 1 | $ 239,000 | $ 239,000 | $ 122,000 |
| Philadelphia, PA | 1 | $ 220,000 | $ 220,000 | $ 55,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 233,000 | $ 233,000 | $ 405,000 |
| Prescott, AZ | 1 | $ 476,000 | $ 476,000 | $ 600,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 480,000 | $ 480,000 | $ 162,000 |
| Provo-Orem, UT | 1 | $ 1,190,000 | $ 1,190,000 | $ 420,000 |
| Reading, PA | 1 | $ 140,000 | $ 140,000 | $ 399,000 |
| Rockingham County-Strafford County, NH | 1 | $ 276,000 | $ 276,000 | $ 134,000 |
| San Antonio, TX | 1 | $ 130,000 | $ 130,000 | $ 65,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 36,000 | $ 36,000 | $ 523,000 |
| Spokane, WA | 1 | $ 750,000 | $ 750,000 | $ 134,000 |
| St. George, UT | 1 | $ 2,000,000 | $ 2,000,000 | $ 810,000 |
| Stockton, CA | 1 | $ 119,000 | $ 119,000 | $ 31,000 |
| Sumter, SC | 1 | $ 102,000 | $ 102,000 | $ 34,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 200,000 | $ 200,000 | $ 134,000 |
| Tulsa, OK | 1 | $ 156,000 | $ 156,000 | $ 41,000 |
| Utica-Rome, NY | 1 | $ 231,000 | $ 231,000 | $ 162,000 |
| Valdosta, GA | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Vallejo-Fairfield, CA | 1 | $ 440,000 | $ 440,000 | $ 220,000 |
Mortgage Loan Application Detail Totals for Rbc Bank in 2008
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 | 5,853 | $1,195,476,000 | $204,000 | $3,500,000 | $132,000 | $9,999,000 |
| Refinancing | 5,571 | $1,115,345,000 | $200,000 | $3,000,000 | $123,000 | $5,726,000 |
| Home Improvement | 280 | $29,440,000 | $105,000 | $1,000,000 | $103,000 | $1,098,000 |
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 | 8,419 | $1,773,686,000 | $210,000 | $3,000,000 | $137,000 | $9,999,000 |
| Not Provided | 1,460 | $277,453,000 | $190,000 | $3,500,000 | $125,000 | $1,644,000 |
| Black or African American | 1,194 | $155,281,000 | $130,000 | $1,700,000 | $73,000 | $3,595,000 |
| Hispanic | 247 | $39,137,000 | $158,000 | $2,000,000 | $94,000 | $897,000 |
| Asian | 225 | $49,275,000 | $219,000 | $2,000,000 | $142,000 | $2,340,000 |
| Not applicable | 89 | $33,960,000 | $381,000 | $2,500,000 | $3,000 | $309,000 |
| American Indian or Alaskan Native | 46 | $5,338,000 | $116,000 | $417,000 | $83,000 | $904,000 |
| Native Hawaiian or Other Pacific Islander | 24 | $6,131,000 | $255,000 | $1,333,000 | $79,000 | $332,000 |
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) | 9,709 | $2,061,823,000 | $212,000 | $3,500,000 | $142,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 1,519 | $201,315,000 | $132,000 | $369,000 | $54,000 | $1,271,000 |
| VA-guaranteed (Veterans Administration) | 418 | $70,096,000 | $167,000 | $585,000 | $60,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 58 | $7,027,000 | $121,000 | $234,000 | $40,000 | $78,000 |
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 | 7,130 | $1,502,244,000 | $210,000 | $3,500,000 | $133,000 | $9,999,000 |
| Application Denied By Financial Institution | 1,708 | $247,297,000 | $144,000 | $2,160,000 | $107,000 | $3,595,000 |
| Application Withdrawn By Applicant | 1,453 | $329,938,000 | $227,000 | $3,000,000 | $142,000 | $5,292,000 |
| Loan Purchased By The Institution | 464 | $55,115,000 | $118,000 | $417,000 | $38,000 | $409,000 |
| Application Approved But Not Accepted | 435 | $66,490,000 | $152,000 | $2,634,000 | $120,000 | $2,000,000 |
| File Closed For Incompleteness | 424 | $122,544,000 | $289,000 | $3,000,000 | $173,000 | $5,099,000 |
| Preapproval Denied by Financial Institution | 66 | $11,662,000 | $176,000 | $1,200,000 | $97,000 | $2,004,000 |
| Preapproval Approved but not Accepted | 24 | $4,971,000 | $207,000 | $990,000 | $95,000 | $295,000 |
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 | 529 | $62,598,000 | $118,000 | $1,700,000 | $84,000 | $3,595,000 |
| Debt-To-Income Ratio | 432 | $67,657,000 | $156,000 | $1,750,000 | $72,000 | $1,430,000 |
| Collateral | 351 | $51,985,000 | $148,000 | $2,000,000 | $136,000 | $3,459,000 |
| Other | 162 | $27,551,000 | $170,000 | $1,950,000 | $166,000 | $1,962,000 |
| Credit Application Incomplete | 140 | $25,924,000 | $185,000 | $2,160,000 | $163,000 | $2,070,000 |
| Unverifiable Information | 45 | $5,896,000 | $131,000 | $639,000 | $137,000 | $1,380,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 41 | $9,452,000 | $230,000 | $1,675,000 | $120,000 | $743,000 |
| Employment History | 19 | $2,735,000 | $143,000 | $417,000 | $61,000 | $184,000 |
| Mortgage Insurance Denied | 5 | $793,000 | $158,000 | $260,000 | $55,000 | $83,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rbc Bank's 2008 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.
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