Royal Bank America
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Royal Bank America 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Royal Bank America 732 Montgomery Avenue Narberth, PA 19072 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 747 |
| Total Mortgage Loan Application Amount | $91,628,000 |
| Average Mortgage Loan Application Amount | $194,000 |
| Highest Mortgage Loan Application Amount | $720,000 |
| Average Applicant Income | $88,625 |
| Highest Applicant Income | $540,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Royal Bank America. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Royal Bank America's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Royal Bank America's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Royal Bank America serves its applicants.
Each category highlights the total number of mortgage applications processed by Royal Bank America, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Royal Bank America's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Philadelphia County Pennsylvania | 143 | $ 15,833,000 | $ 110,000 | $ 49,000 |
| Montgomery County Pennsylvania | 68 | $ 14,432,000 | $ 212,000 | $ 110,000 |
| Luzerne County Pennsylvania | 65 | $ 6,222,000 | $ 95,000 | $ 73,000 |
| Lackawanna County Pennsylvania | 36 | $ 4,008,000 | $ 111,000 | $ 58,000 |
| Franklin County Ohio | 32 | $ 3,576,000 | $ 111,000 | $ 61,000 |
| Cuyahoga County Ohio | 27 | $ 2,794,000 | $ 103,000 | $ 57,000 |
| Lucas County Ohio | 27 | $ 2,329,000 | $ 86,000 | $ 56,000 |
| Delaware County Pennsylvania | 23 | $ 2,204,000 | $ 95,000 | $ 81,000 |
| Clark County Ohio | 20 | $ 1,676,000 | $ 83,000 | $ 38,000 |
| Chester County Pennsylvania | 20 | $ 3,677,000 | $ 183,000 | $ 116,000 |
| Mahoning County Ohio | 19 | $ 1,869,000 | $ 98,000 | $ 55,000 |
| Columbiana County Ohio | 18 | $ 1,277,000 | $ 70,000 | $ 42,000 |
| Allegheny County Pennsylvania | 18 | $ 1,411,000 | $ 78,000 | $ 52,000 |
| Wayne County Pennsylvania | 15 | $ 1,648,000 | $ 109,000 | $ 64,000 |
| Montgomery County Ohio | 14 | $ 1,332,000 | $ 95,000 | $ 40,000 |
| Bucks County Pennsylvania | 14 | $ 1,974,000 | $ 141,000 | $ 125,000 |
| Camden County New Jersey | 12 | $ 1,683,000 | $ 140,000 | $ 54,000 |
| Burlington County New Jersey | 10 | $ 817,000 | $ 81,000 | $ 76,000 |
| Gloucester County New Jersey | 10 | $ 1,509,000 | $ 150,000 | $ 49,000 |
| Hamilton County Ohio | 8 | $ 857,000 | $ 107,000 | $ 52,000 |
| Butler County Pennsylvania | 8 | $ 954,000 | $ 119,000 | $ 46,000 |
| Cape May County New Jersey | 7 | $ 2,790,000 | $ 398,000 | $ 215,000 |
| Delaware County Ohio | 6 | $ 1,551,000 | $ 258,000 | $ 124,000 |
| Portage County Ohio | 6 | $ 1,002,000 | $ 167,000 | $ 49,000 |
| Tuscarawas County Ohio | 6 | $ 330,000 | $ 55,000 | $ 32,000 |
| Monroe County Pennsylvania | 6 | $ 984,000 | $ 164,000 | $ 69,000 |
| Westmoreland County Pennsylvania | 5 | $ 430,000 | $ 86,000 | $ 53,000 |
| Mercer County New Jersey | 4 | $ 243,000 | $ 60,000 | $ 30,000 |
| Lorain County Ohio | 4 | $ 391,000 | $ 97,000 | $ 30,000 |
| Medina County Ohio | 4 | $ 317,000 | $ 79,000 | $ 55,000 |
| Atlantic County New Jersey | 3 | $ 922,000 | $ 307,000 | $ 230,000 |
| Ashland County Ohio | 3 | $ 272,000 | $ 90,000 | $ 41,000 |
| Ashtabula County Ohio | 3 | $ 174,000 | $ 58,000 | $ 35,000 |
| Highland County Ohio | 3 | $ 284,000 | $ 94,000 | $ 58,000 |
| Ross County Ohio | 3 | $ 317,000 | $ 105,000 | $ 58,000 |
| Summit County Ohio | 3 | $ 462,000 | $ 154,000 | $ 23,000 |
| Van Wert County Ohio | 3 | $ 291,000 | $ 97,000 | $ 42,000 |
| Armstrong County Pennsylvania | 3 | $ 330,000 | $ 110,000 | $ 41,000 |
| Berks County Pennsylvania | 3 | $ 286,000 | $ 95,000 | $ 76,000 |
| Columbia County Pennsylvania | 3 | $ 256,000 | $ 85,000 | $ 30,000 |
| Ocean County New Jersey | 2 | $ 839,000 | $ 419,000 | $ 237,000 |
| Belmont County Ohio | 2 | $ 343,000 | $ 171,000 | $ 88,000 |
| Brown County Ohio | 2 | $ 95,000 | $ 47,000 | $ 22,000 |
| Champaign County Ohio | 2 | $ 91,000 | $ 45,000 | $ 32,000 |
| Geauga County Ohio | 2 | $ 254,000 | $ 127,000 | $ 48,000 |
| Greene County Ohio | 2 | $ 172,000 | $ 86,000 | $ 33,000 |
| Lake County Ohio | 2 | $ 298,000 | $ 149,000 | $ 76,000 |
| Licking County Ohio | 2 | $ 323,000 | $ 161,000 | $ 56,000 |
| Marion County Ohio | 2 | $ 140,000 | $ 70,000 | $ 75,000 |
| Perry County Ohio | 2 | $ 204,000 | $ 102,000 | $ 45,000 |
| Trumbull County Ohio | 2 | $ 138,000 | $ 69,000 | $ 30,000 |
| Warren County Ohio | 2 | $ 218,000 | $ 109,000 | $ 62,000 |
| Carbon County Pennsylvania | 2 | $ 116,000 | $ 58,000 | $ 76,000 |
| Lancaster County Pennsylvania | 2 | $ 57,000 | $ 28,000 | $ 98,000 |
| Montour County Pennsylvania | 2 | $ 306,000 | $ 153,000 | $ 168,000 |
| Washington County Pennsylvania | 2 | $ 187,000 | $ 93,000 | $ 84,000 |
| Wyoming County Pennsylvania | 2 | $ 255,000 | $ 127,000 | $ 46,000 |
| Lenawee County Michigan | 1 | $ 82,000 | $ 82,000 | $ 71,000 |
| Essex County New Jersey | 1 | $ 180,000 | $ 180,000 | $ 55,000 |
| Morris County New Jersey | 1 | $ 140,000 | $ 140,000 | $ 67,000 |
| Westchester County New York | 1 | $ 650,000 | $ 650,000 | $ 169,000 |
| Butler County Ohio | 1 | $ 99,000 | $ 99,000 | $ 37,000 |
| Fairfield County Ohio | 1 | $ 268,000 | $ 268,000 | $ 88,000 |
| Fayette County Ohio | 1 | $ 120,000 | $ 120,000 | $ 66,000 |
| Guernsey County Ohio | 1 | $ 118,000 | $ 118,000 | $ 33,000 |
| Lawrence County Ohio | 1 | $ 170,000 | $ 170,000 | $ 37,000 |
| Monroe County Ohio | 1 | $ 88,000 | $ 88,000 | $ 42,000 |
| Morgan County Ohio | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Pickaway County Ohio | 1 | $ 140,000 | $ 140,000 | $ 56,000 |
| Richland County Ohio | 1 | $ 61,000 | $ 61,000 | $ 18,000 |
| Stark County Ohio | 1 | $ 86,000 | $ 86,000 | $ 33,000 |
| Wyandot County Ohio | 1 | $ 132,000 | $ 132,000 | $ 61,000 |
| Bradford County Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Clarion County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Fayette County Pennsylvania | 1 | $ 76,000 | $ 76,000 | $ 27,000 |
| Lebanon County Pennsylvania | 1 | $ 223,000 | $ 223,000 | $ 120,000 |
| Lehigh County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 156,000 |
| Lycoming County Pennsylvania | 1 | $ 112,000 | $ 112,000 | $ 45,000 |
| McKean County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Northampton County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Northumberland County Pennsylvania | 1 | $ 169,000 | $ 169,000 | $ 95,000 |
| Pike County Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 84,000 |
| Schuylkill County Pennsylvania | 1 | $ 48,000 | $ 48,000 | $ 48,000 |
| Susquehanna County Pennsylvania | 1 | $ 122,000 | $ 122,000 | $ 78,000 |
| Tioga County Pennsylvania | 1 | $ 144,000 | $ 144,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for Royal Bank America 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 |
|---|---|---|---|---|---|---|
| Refinancing | 503 | $57,646,000 | $228,000 | $650,000 | $95,200 | $540,000 |
| Home Purchase | 244 | $33,982,000 | $137,333 | $720,000 | $77,666 | $480,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 550 | $68,140,000 | $230,200 | $720,000 | $97,600 | $540,000 |
| Asian | 76 | $11,685,000 | $160,500 | $629,000 | $67,000 | $432,000 |
| Black or African American | 72 | $6,613,000 | $111,666 | $396,000 | $70,000 | $150,000 |
| Not Provided | 27 | $2,802,000 | $102,333 | $385,000 | $77,000 | $295,000 |
| Hispanic | 18 | $1,930,000 | $134,333 | $317,000 | $68,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $140,000 | $70,000 | $72,000 | $86,000 | $90,000 |
| American Indian or Alaskan Native | 2 | $318,000 | $159,000 | $205,000 | $37,500 | $75,000 |
| Not applicable | 0 | $0 | $0 | $0 | $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) | 747 | $91,628,000 | $228,200 | $720,000 | $93,800 | $540,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 347 | $43,312,000 | $131,333 | $629,000 | $77,333 | $540,000 |
| Application Approved But Not Accepted | 263 | $32,608,000 | $230,800 | $720,000 | $99,400 | $360,000 |
| Application Denied By Financial Institution | 125 | $13,853,000 | $163,333 | $600,000 | $80,000 | $414,000 |
| Application Withdrawn By Applicant | 11 | $1,365,000 | $110,333 | $334,000 | $51,666 | $175,000 |
| File Closed For Incompleteness | 1 | $490,000 | $490,000 | $490,000 | $212,000 | $212,000 |
| Loan Purchased By The Institution | 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 | 29 | $3,541,000 | $152,333 | $396,000 | $85,666 | $414,000 |
| Debt-To-Income Ratio | 19 | $2,047,000 | $110,500 | $268,000 | $56,500 | $147,000 |
| Other | 13 | $1,533,000 | $119,333 | $250,000 | $129,000 | $283,000 |
| Collateral | 8 | $844,000 | $111,000 | $248,000 | $66,000 | $98,000 |
| Unverifiable Information | 5 | $388,000 | $113,000 | $172,000 | $46,500 | $60,000 |
| Employment History | 4 | $355,000 | $88,000 | $115,000 | $8,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $67,000 | $67,000 | $67,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Royal Bank America'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 Royal Bank America'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 Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.