Rbc Bank Mortgage Lending & HMDA Data, 2009
In 2009, Rbc Bank of Rocky Mount, NC reported 15,958 mortgage applications totaling $3.0 billion, up 36% from 2008. The average application was for $187,395, and applicants reported an average income of $116,388. 67% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Raleigh-Cary, NC (1,107), Huntsville, AL (1,025) and Atlanta-Sandy Springs-Marietta, GA (977) (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 | 15,958 |
| Total Mortgage Loan Application Amount | $2,990,457,000 |
| Average Mortgage Loan Application Amount | $187,395 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $116,388 |
| 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Disclosure Act (HMDA) records Rbc Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Raleigh-Cary, NC | 1,107 | $ 234,794,000 | $ 212,099 | $ 119,000 |
| Huntsville, AL | 1,025 | $ 196,156,000 | $ 191,371 | $ 95,000 |
| Atlanta-Sandy Springs-Marietta, GA | 977 | $ 171,057,000 | $ 175,083 | $ 110,000 |
| Birmingham-Hoover, AL | 763 | $ 165,404,000 | $ 216,781 | $ 108,000 |
| Charlotte-Gastonia-Concord, NC-SC | 642 | $ 144,579,000 | $ 225,200 | $ 168,277 |
| Wilmington, NC | 599 | $ 132,521,000 | $ 221,237 | $ 190,000 |
| Mobile, AL | 505 | $ 70,135,000 | $ 138,881 | $ 86,000 |
| Fayetteville, NC | 402 | $ 63,933,000 | $ 159,037 | $ 91,000 |
| Durham-Chapel Hill, NC | 384 | $ 72,952,000 | $ 189,979 | $ 111,000 |
| Rocky Mount, NC | 362 | $ 43,665,000 | $ 120,621 | $ 67,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 356 | $ 86,313,000 | $ 242,452 | $ 109,050 |
| Jacksonville, NC | 332 | $ 54,120,000 | $ 163,012 | $ 70,000 |
| Decatur, AL | 281 | $ 44,608,000 | $ 158,747 | $ 86,000 |
| Greensboro-High Point, NC | 265 | $ 42,579,000 | $ 160,675 | $ 102,000 |
| Orlando-Kissimmee, FL | 265 | $ 48,978,000 | $ 184,822 | $ 128,000 |
| Greenville, NC | 261 | $ 39,562,000 | $ 151,578 | $ 82,000 |
| Asheville, NC | 254 | $ 49,648,000 | $ 195,464 | $ 124,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 202 | $ 44,570,000 | $ 220,643 | $ 194,000 |
| Columbia, SC | 193 | $ 35,445,000 | $ 183,652 | $ 83,000 |
| Palm Bay-Melbourne-Titusville, FL | 168 | $ 29,534,000 | $ 175,797 | $ 104,000 |
| Pensacola-Ferry Pass-Brent, FL | 159 | $ 31,624,000 | $ 198,893 | $ 105,000 |
| Charleston-North Charleston-Summerville, SC | 142 | $ 40,567,000 | $ 285,683 | $ 157,000 |
| Goldsboro, NC | 137 | $ 18,411,000 | $ 134,386 | $ 70,000 |
| Montgomery, AL | 137 | $ 19,309,000 | $ 140,941 | $ 67,000 |
| Phoenix-Mesa-Scottsdale, AZ | 125 | $ 25,846,000 | $ 206,768 | $ 190,000 |
| Florence, SC | 123 | $ 17,293,000 | $ 140,593 | $ 75,000 |
| Tampa-St. Petersburg-Clearwater, FL | 107 | $ 18,764,000 | $ 175,364 | $ 122,000 |
| Hickory-Lenoir-Morganton, NC | 103 | $ 17,162,000 | $ 166,621 | $ 92,000 |
| Sebastian-Vero Beach, FL | 101 | $ 19,218,000 | $ 190,277 | $ 112,000 |
| Auburn-Opelika, AL | 97 | $ 13,360,000 | $ 137,731 | $ 137,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 97 | $ 22,121,000 | $ 228,051 | $ 169,000 |
| Winston-Salem, NC | 96 | $ 17,657,000 | $ 183,927 | $ 104,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 92 | $ 22,286,000 | $ 242,239 | $ 175,000 |
| Bradenton-Sarasota-Venice, FL | 77 | $ 18,248,000 | $ 236,987 | $ 201,000 |
| Burlington, NC | 76 | $ 11,628,000 | $ 153,000 | $ 104,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 69 | $ 12,776,000 | $ 185,159 | $ 110,000 |
| Cape Coral-Fort Myers, FL | 59 | $ 11,396,000 | $ 193,152 | $ 176,000 |
| Greenville-Mauldin-Easley, SC | 55 | $ 10,841,000 | $ 197,109 | $ 132,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 52 | $ 13,071,000 | $ 251,365 | $ 183,807 |
| Tuscaloosa, AL | 51 | $ 7,790,000 | $ 152,745 | $ 239,000 |
| Naples-Marco Island, FL | 49 | $ 13,683,000 | $ 279,244 | $ 177,000 |
| Lakeland-Winter Haven, FL | 48 | $ 4,865,000 | $ 101,354 | $ 100,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 46 | $ 11,118,000 | $ 241,695 | $ 244,000 |
| Warner Robins, GA | 40 | $ 6,683,000 | $ 167,075 | $ 45,000 |
| Palm Coast, FL | 34 | $ 6,588,000 | $ 193,764 | $ 94,000 |
| Miami-Miami Beach-Kendall, FL | 31 | $ 9,892,000 | $ 319,096 | $ 246,000 |
| Richmond, VA | 31 | $ 5,777,000 | $ 186,354 | $ 112,000 |
| Gainesville, FL | 29 | $ 4,954,000 | $ 170,827 | $ 95,000 |
| Riverside-San Bernardino-Ontario, CA | 28 | $ 7,641,000 | $ 272,892 | $ 279,000 |
| Port St. Lucie, FL | 27 | $ 4,574,000 | $ 169,407 | $ 121,000 |
| Columbus, GA-AL | 26 | $ 3,119,000 | $ 119,961 | $ 54,076 |
| Fort Walton Beach-Crestview-Destin, FL | 19 | $ 3,109,000 | $ 163,631 | $ 94,000 |
| Las Vegas-Paradise, NV | 16 | $ 4,218,000 | $ 263,625 | $ 152,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 16 | $ 5,179,000 | $ 323,687 | $ 155,000 |
| Savannah, GA | 16 | $ 3,814,000 | $ 238,375 | $ 180,000 |
| Denver-Aurora-Broomfield, CO | 15 | $ 4,473,000 | $ 298,200 | $ 181,000 |
| Houston-Sugar Land-Baytown, TX | 15 | $ 4,207,000 | $ 280,466 | $ 202,000 |
| Macon, GA | 14 | $ 2,382,000 | $ 170,142 | $ 150,000 |
| Chicago-Naperville-Joliet, IL | 11 | $ 3,745,000 | $ 340,454 | $ 228,000 |
| Florence-Muscle Shoals, AL | 11 | $ 1,994,000 | $ 181,272 | $ 83,000 |
| Jacksonville, FL | 11 | $ 2,582,000 | $ 234,727 | $ 161,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 11 | $ 3,619,000 | $ 329,000 | $ 673,000 |
| Punta Gorda, FL | 11 | $ 2,089,000 | $ 189,909 | $ 160,000 |
| Anniston-Oxford, AL | 10 | $ 1,156,000 | $ 115,600 | $ 52,000 |
| Dallas-Plano-Irving, TX | 10 | $ 2,421,000 | $ 242,100 | $ 129,000 |
| Dothan, AL | 10 | $ 1,884,000 | $ 188,400 | $ 80,000 |
| Gainesville, GA | 10 | $ 1,843,000 | $ 184,300 | $ 186,000 |
| Los Angeles-Long Beach-Glendale, CA | 10 | $ 8,459,000 | $ 845,900 | $ 877,000 |
| Augusta-Richmond County, GA-SC | 9 | $ 2,149,000 | $ 238,777 | $ 104,000 |
| New York-White Plains-Wayne, NY-NJ | 9 | $ 4,762,000 | $ 529,111 | $ 360,000 |
| Austin-Round Rock, TX | 8 | $ 1,749,000 | $ 218,625 | $ 123,000 |
| Charlottesville, VA | 8 | $ 1,875,000 | $ 234,375 | $ 123,000 |
| Ocala, FL | 7 | $ 1,146,000 | $ 163,714 | $ 87,000 |
| San Diego-Carlsbad-San Marcos, CA | 7 | $ 3,072,000 | $ 438,857 | $ 312,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 2,394,000 | $ 342,000 | $ 149,000 |
| Anderson, SC | 6 | $ 1,162,000 | $ 193,666 | $ 96,000 |
| Roanoke, VA | 6 | $ 1,598,000 | $ 266,333 | $ 159,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 3,398,000 | $ 566,333 | $ 1,268,000 |
| New Orleans-Metairie-Kenner, LA | 5 | $ 1,571,000 | $ 314,200 | $ 174,000 |
| Philadelphia, PA | 5 | $ 1,359,000 | $ 271,800 | $ 152,000 |
| Pittsburgh, PA | 5 | $ 709,000 | $ 141,800 | $ 154,000 |
| Rochester, NY | 5 | $ 550,000 | $ 110,000 | $ 147,000 |
| Spartanburg, SC | 5 | $ 990,000 | $ 198,000 | $ 208,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 692,000 | $ 138,400 | $ 136,000 |
| Brunswick, GA | 4 | $ 1,044,000 | $ 261,000 | $ 400,000 |
| Columbus, OH | 4 | $ 403,000 | $ 100,750 | $ 85,000 |
| Gadsden, AL | 4 | $ 561,000 | $ 140,250 | $ 48,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 1,841,000 | $ 460,250 | $ 121,000 |
| Rome, GA | 4 | $ 555,000 | $ 138,750 | $ 90,000 |
| St. George, UT | 4 | $ 740,000 | $ 185,000 | $ 123,000 |
| Bellingham, WA | 3 | $ 445,000 | $ 148,333 | $ 59,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 1,579,000 | $ 526,333 | $ 205,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 708,000 | $ 236,000 | $ 133,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 627,000 | $ 209,000 | $ 134,000 |
| Lynchburg, VA | 3 | $ 583,000 | $ 194,333 | $ 132,000 |
| Newark-Union, NJ-PA | 3 | $ 854,000 | $ 284,666 | $ 132,000 |
| Oklahoma City, OK | 3 | $ 882,000 | $ 294,000 | $ 76,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 1,078,000 | $ 359,333 | $ 87,000 |
| Reno-Sparks, NV | 3 | $ 925,000 | $ 308,333 | $ 379,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 679,000 | $ 226,333 | $ 117,000 |
| Tallahassee, FL | 3 | $ 574,000 | $ 191,333 | $ 56,000 |
| Tucson, AZ | 3 | $ 540,000 | $ 180,000 | $ 92,000 |
| Baton Rouge, LA | 2 | $ 321,000 | $ 160,500 | $ 92,000 |
| Boston-Quincy, MA | 2 | $ 603,000 | $ 301,500 | $ 91,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 258,000 | $ 129,000 | $ 62,000 |
| Danville, VA | 2 | $ 225,000 | $ 112,500 | $ 418,000 |
| Hattiesburg, MS | 2 | $ 350,000 | $ 175,000 | $ 77,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 336,000 | $ 168,000 | $ 96,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 406,000 | $ 203,000 | $ 148,000 |
| Memphis, TN-MS-AR | 2 | $ 399,000 | $ 199,500 | $ 117,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 643,000 | $ 321,500 | $ 87,000 |
| Pascagoula, MS | 2 | $ 310,000 | $ 155,000 | $ 99,000 |
| Reading, PA | 2 | $ 349,000 | $ 174,500 | $ 46,000 |
| Rockingham County-Strafford County, NH | 2 | $ 374,000 | $ 187,000 | $ 45,000 |
| San Antonio, TX | 2 | $ 487,000 | $ 243,500 | $ 142,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 1,347,000 | $ 673,500 | $ 821,000 |
| Syracuse, NY | 2 | $ 396,000 | $ 198,000 | $ 152,000 |
| Akron, OH | 1 | $ 84,000 | $ 84,000 | $ 40,000 |
| Albany, GA | 1 | $ 417,000 | $ 417,000 | $ 225,000 |
| Albuquerque, NM | 1 | $ 160,000 | $ 160,000 | $ 55,000 |
| Ann Arbor, MI | 1 | $ 547,000 | $ 547,000 | $ 432,000 |
| Athens-Clarke County, GA | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Bakersfield, CA | 1 | $ 400,000 | $ 400,000 | $ 148,000 |
| Baltimore-Towson, MD | 1 | $ 248,000 | $ 248,000 | $ 83,000 |
| Barnstable Town, MA | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| Beaumont-Port Arthur, TX | 1 | $ 137,000 | $ 137,000 | $ 85,000 |
| Camden, NJ | 1 | $ 380,000 | $ 380,000 | $ 110,000 |
| Casper, WY | 1 | $ 135,000 | $ 135,000 | $ 56,000 |
| Cheyenne, WY | 1 | $ 237,000 | $ 237,000 | $ 92,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 75,000 | $ 75,000 | $ 82,000 |
| Des Moines-West Des Moines, IA | 1 | $ 180,000 | $ 180,000 | $ 152,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 417,000 | $ 417,000 | $ 1,300,000 |
| Edison-New Brunswick, NJ | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Elkhart-Goshen, IN | 1 | $ 163,000 | $ 163,000 | $ 57,000 |
| Fort Wayne, IN | 1 | $ 500,000 | $ 500,000 | $ 238,000 |
| Fort Worth-Arlington, TX | 1 | $ 348,000 | $ 348,000 | $ 130,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 64,000 | $ 64,000 | $ 59,000 |
| Gulfport-Biloxi, MS | 1 | $ 187,000 | $ 187,000 | $ 70,000 |
| Harrisburg-Carlisle, PA | 1 | $ 320,000 | $ 320,000 | $ 103,000 |
| Harrisonburg, VA | 1 | $ 125,000 | $ 125,000 | $ 107,000 |
| Hot Springs, AR | 1 | $ 224,000 | $ 224,000 | $ 185,000 |
| Jackson, MS | 1 | $ 360,000 | $ 360,000 | $ 278,000 |
| Jackson, TN | 1 | $ 170,000 | $ 170,000 | $ 63,000 |
| Johnson City, TN | 1 | $ 139,000 | $ 139,000 | $ 59,000 |
| Jonesboro, AR | 1 | $ 151,000 | $ 151,000 | $ 160,000 |
| Joplin, MO | 1 | $ 164,000 | $ 164,000 | $ 98,000 |
| Kalamazoo-Portage, MI | 1 | $ 284,000 | $ 284,000 | $ 120,000 |
| Kansas City, MO-KS | 1 | $ 107,000 | $ 107,000 | $ 103,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 53,000 | $ 53,000 | $ 210,000 |
| Knoxville, TN | 1 | $ 220,000 | $ 220,000 | $ 53,000 |
| Lafayette, IN | 1 | $ 232,000 | $ 232,000 | $ 117,000 |
| Lafayette, LA | 1 | $ 125,000 | $ 125,000 | $ 141,000 |
| Lake Charles, LA | 1 | $ 222,000 | $ 222,000 | $ 343,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 535,000 | $ 535,000 | $ 225,000 |
| Lexington-Fayette, KY | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Lincoln, NE | 1 | $ 150,000 | $ 150,000 | $ 73,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 375,000 | $ 375,000 | $ 72,000 |
| Modesto, CA | 1 | $ 86,000 | $ 86,000 | $ 47,000 |
| Morristown, TN | 1 | $ 60,000 | $ 60,000 | $ 927,000 |
| Nassau-Suffolk, NY | 1 | $ 250,000 | $ 250,000 | $ 150,000 |
| Niles-Benton Harbor, MI | 1 | $ 140,000 | $ 140,000 | $ 54,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 750,000 | $ 750,000 | $ 170,000 |
| Peoria, IL | 1 | $ 174,000 | $ 174,000 | $ 545,000 |
| Pittsfield, MA | 1 | $ 131,000 | $ 131,000 | $ 95,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 233,000 | $ 233,000 | $ 278,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 100,000 | $ 100,000 | $ 119,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 175,000 | $ 175,000 | $ 192,000 |
| Salt Lake City, UT | 1 | $ 800,000 | $ 800,000 | $ 1,119,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 417,000 | $ 417,000 | $ 83,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 357,000 | $ 357,000 | $ 113,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 38,000 | $ 38,000 | $ 495,000 |
| Shreveport-Bossier City, LA | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 417,000 | $ 417,000 | $ 141,000 |
| St. Louis, MO-IL | 1 | $ 145,000 | $ 145,000 | $ 164,000 |
| Stockton, CA | 1 | $ 106,000 | $ 106,000 | $ 39,000 |
| Sumter, SC | 1 | $ 116,000 | $ 116,000 | $ 115,000 |
| Tacoma, WA | 1 | $ 417,000 | $ 417,000 | $ 141,000 |
| Tulsa, OK | 1 | $ 90,000 | $ 90,000 | $ 81,000 |
| Utica-Rome, NY | 1 | $ 101,000 | $ 101,000 | $ 87,000 |
| Vallejo-Fairfield, CA | 1 | $ 417,000 | $ 417,000 | $ 216,000 |
| Wilmington, DE-MD-NJ | 1 | $ 164,000 | $ 164,000 | $ 91,000 |
| Worcester, MA | 1 | $ 273,000 | $ 273,000 | $ 67,000 |
| Yakima, WA | 1 | $ 172,000 | $ 172,000 | $ 112,000 |
Mortgage Loan Application Detail Totals for Rbc Bank 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 | 9,748 | $1,885,595,000 | $193,000 | $2,550,000 | $116,000 | $9,999,000 |
| Home Purchase | 5,732 | $1,081,473,000 | $188,000 | $4,000,000 | $121,000 | $7,872,000 |
| Home Improvement | 478 | $23,389,000 | $48,000 | $417,000 | $69,000 | $2,100,000 |
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 | 12,634 | $2,442,185,000 | $193,000 | $3,715,000 | $119,000 | $9,999,000 |
| Not Provided | 1,271 | $247,442,000 | $194,000 | $4,000,000 | $134,000 | $7,872,000 |
| Black or African American | 1,253 | $157,478,000 | $125,000 | $1,294,000 | $79,000 | $7,757,000 |
| Asian | 331 | $67,262,000 | $203,000 | $862,000 | $123,000 | $1,200,000 |
| Hispanic | 329 | $49,692,000 | $151,000 | $1,350,000 | $84,000 | $626,000 |
| American Indian or Alaskan Native | 82 | $11,697,000 | $142,000 | $450,000 | $72,000 | $348,000 |
| Native Hawaiian or Other Pacific Islander | 37 | $7,433,000 | $200,000 | $750,000 | $128,000 | $870,000 |
| Not applicable | 21 | $7,268,000 | $346,000 | $2,550,000 | $0 | $0 |
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) | 13,826 | $2,669,975,000 | $193,000 | $4,000,000 | $125,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 1,376 | $195,447,000 | $142,000 | $406,000 | $56,000 | $1,682,000 |
| VA-guaranteed (Veterans Administration) | 526 | $96,694,000 | $183,000 | $451,000 | $61,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 230 | $28,341,000 | $123,000 | $418,000 | $42,000 | $98,000 |
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 | 10,632 | $2,102,312,000 | $197,000 | $4,000,000 | $122,000 | $9,999,000 |
| Application Denied By Financial Institution | 2,003 | $270,420,000 | $135,000 | $3,715,000 | $100,000 | $7,092,000 |
| Application Withdrawn By Applicant | 1,698 | $353,731,000 | $208,000 | $1,600,000 | $119,000 | $5,000,000 |
| Loan Purchased By The Institution | 583 | $80,802,000 | $138,000 | $417,000 | $51,000 | $564,000 |
| File Closed For Incompleteness | 464 | $101,924,000 | $219,000 | $1,400,000 | $131,000 | $4,500,000 |
| Application Approved But Not Accepted | 450 | $61,944,000 | $137,000 | $1,400,000 | $117,000 | $3,281,000 |
| Preapproval Denied by Financial Institution | 128 | $19,324,000 | $150,000 | $474,000 | $58,000 | $346,000 |
| 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 | 613 | $59,989,000 | $97,000 | $3,715,000 | $85,000 | $6,012,000 |
| Debt-To-Income Ratio | 564 | $80,818,000 | $143,000 | $1,000,000 | $83,000 | $7,092,000 |
| Collateral | 549 | $83,596,000 | $152,000 | $1,210,000 | $112,000 | $1,193,000 |
| Other | 209 | $32,324,000 | $154,000 | $1,817,000 | $132,000 | $1,942,000 |
| Credit Application Incomplete | 68 | $9,529,000 | $140,000 | $437,000 | $104,000 | $719,000 |
| Unverifiable Information | 49 | $9,607,000 | $196,000 | $960,000 | $128,000 | $840,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 39 | $6,685,000 | $171,000 | $417,000 | $95,000 | $400,000 |
| Employment History | 28 | $4,969,000 | $177,000 | $417,000 | $67,000 | $360,000 |
| Mortgage Insurance Denied | 12 | $2,227,000 | $185,000 | $342,000 | $101,000 | $296,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rbc Bank'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 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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