Royal Business Bank Mortgage Lending & HMDA Data, 2018
In 2018, Royal Business Bank of Los Angeles, CA reported 2,446 mortgage applications totaling $1.2 billion, up 156% from 2017. The average application was for $506,872, and applicants reported an average income of $157,926. 48% of its applications resulted in an originated loan and 5% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (909), Los Angeles-Long Beach-Glendale, CA (690) and Riverside-San Bernardino-Ontario, CA (253) (applications in parentheses).
| Mortgage Company & Address | Royal Business Bank 660 S. Figueroa St. Suite 1888 Los Angeles, CA 90017 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 2,446 |
| Total Mortgage Loan Application Amount | $1,239,810,000 |
| Average Mortgage Loan Application Amount | $506,872 |
| Highest Mortgage Loan Application Amount | $10,405,000 |
| Average Applicant Income | $157,926 |
| Highest Applicant Income | $6,600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Royal Business Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles, California | 690 | $ 415,040,000 | $ 601,507 | $ 216,000 |
| Richmond, New York | 392 | $ 134,400,000 | $ 342,857 | $ 69,000 |
| Queens, New York | 233 | $ 106,275,000 | $ 456,115 | $ 93,000 |
| Kings, New York | 226 | $ 115,830,000 | $ 512,522 | $ 95,000 |
| Orange, California | 225 | $ 133,635,000 | $ 593,933 | $ 257,000 |
| San Bernardino, California | 176 | $ 63,480,000 | $ 360,681 | $ 126,000 |
| Riverside, California | 77 | $ 38,445,000 | $ 499,285 | $ 142,000 |
| Alameda, California | 49 | $ 27,685,000 | $ 565,000 | $ 196,000 |
| Nassau, New York | 46 | $ 17,590,000 | $ 382,391 | $ 108,000 |
| San Diego, California | 41 | $ 23,025,000 | $ 561,585 | $ 232,000 |
| Santa Clara, California | 38 | $ 27,640,000 | $ 727,368 | $ 238,000 |
| Bronx, New York | 31 | $ 11,305,000 | $ 364,677 | $ 73,000 |
| Sacramento, California | 24 | $ 12,890,000 | $ 537,083 | $ 102,000 |
| Clark, Nevada | 24 | $ 11,320,000 | $ 471,666 | $ 233,000 |
| Ventura, California | 23 | $ 13,275,000 | $ 577,173 | $ 246,000 |
| Contra Costa, California | 21 | $ 11,655,000 | $ 555,000 | $ 212,000 |
| San Mateo, California | 15 | $ 16,345,000 | $ 1,089,666 | $ 324,000 |
| San Joaquin, California | 14 | $ 5,630,000 | $ 402,142 | $ 128,000 |
| San Francisco, California | 11 | $ 8,255,000 | $ 750,454 | $ 223,000 |
| New York, New York | 9 | $ 3,565,000 | $ 396,111 | $ 104,000 |
| Suffolk, New York | 9 | $ 2,725,000 | $ 302,777 | $ 93,000 |
| Essex, New Jersey | 7 | $ 2,035,000 | $ 290,714 | $ 92,000 |
| Stanislaus, California | 6 | $ 2,350,000 | $ 391,666 | $ 93,000 |
| Bergen, New Jersey | 6 | $ 1,580,000 | $ 263,333 | $ 49,000 |
| Fresno, California | 4 | $ 860,000 | $ 215,000 | $ 112,000 |
| Tulare, California | 4 | $ 1,470,000 | $ 367,500 | $ 48,000 |
| El Dorado, California | 3 | $ 1,015,000 | $ 338,333 | $ 147,000 |
| Kern, California | 3 | $ 3,345,000 | $ 1,115,000 | $ 127,000 |
| Monterey, California | 3 | $ 4,975,000 | $ 1,658,333 | $ 1,081,000 |
| Hudson, New Jersey | 3 | $ 1,015,000 | $ 338,333 | $ 95,000 |
| Middlesex, New Jersey | 3 | $ 735,000 | $ 245,000 | $ 98,000 |
| Somerset, New Jersey | 3 | $ 815,000 | $ 271,666 | $ 73,000 |
| Westchester, New York | 3 | $ 525,000 | $ 175,000 | $ 61,000 |
| Juneau, Alaska | 2 | $ 3,460,000 | $ 1,730,000 | $ 240,000 |
| Merced, California | 2 | $ 870,000 | $ 435,000 | $ 82,000 |
| Mono, California | 2 | $ 1,040,000 | $ 520,000 | $ 479,000 |
| Santa Barbara, California | 2 | $ 780,000 | $ 390,000 | $ 157,000 |
| Sonoma, California | 2 | $ 1,230,000 | $ 615,000 | $ 938,000 |
| Maricopa, Arizona | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Pima, Arizona | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Butte, California | 1 | $ 1,225,000 | $ 1,225,000 | $ 0 |
| Marin, California | 1 | $ 925,000 | $ 925,000 | $ 235,000 |
| Napa, California | 1 | $ 595,000 | $ 595,000 | $ 185,000 |
| San Luis Obispo, California | 1 | $ 2,105,000 | $ 2,105,000 | $ 0 |
| Yolo, California | 1 | $ 315,000 | $ 315,000 | $ 80,000 |
| Washoe, Nevada | 1 | $ 285,000 | $ 285,000 | $ 104,000 |
| Monmouth, New Jersey | 1 | $ 245,000 | $ 245,000 | $ 78,000 |
| Morris, New Jersey | 1 | $ 445,000 | $ 445,000 | $ 109,000 |
| Ocean, New Jersey | 1 | $ 295,000 | $ 295,000 | $ 72,000 |
| Passaic, New Jersey | 1 | $ 505,000 | $ 505,000 | $ 146,000 |
| Union, New Jersey | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| San Miguel, New Mexico | 1 | $ 3,385,000 | $ 3,385,000 | $ 0 |
Mortgage Loan Application Detail Totals for Royal Business Bank in 2018
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 | 1,893 | $884,215,000 | $467,000 | $5,005,000 | $139,000 | $3,060,000 |
| Refinancing | 242 | $163,520,000 | $675,000 | $4,385,000 | $223,000 | $2,165,000 |
| Cash-out Refinancing | 165 | $115,545,000 | $700,000 | $10,405,000 | $255,000 | $6,600,000 |
| Other Purpose | 108 | $52,820,000 | $489,000 | $2,915,000 | $173,000 | $1,500,000 |
| Home Improvement | 38 | $23,710,000 | $623,000 | $2,805,000 | $222,000 | $558,000 |
| Not Applicable | 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 |
|---|---|---|---|---|---|---|
| Asian | 2,032 | $932,840,000 | $459,000 | $10,405,000 | $144,000 | $6,600,000 |
| White | 203 | $150,195,000 | $739,000 | $4,385,000 | $294,000 | $2,165,000 |
| Not applicable | 83 | $100,755,000 | $1,213,000 | $5,005,000 | $0 | $0 |
| Hispanic | 69 | $23,325,000 | $338,000 | $1,405,000 | $141,000 | $755,000 |
| Not Provided | 37 | $22,785,000 | $615,000 | $3,405,000 | $207,000 | $873,000 |
| Black or African American | 13 | $6,435,000 | $495,000 | $1,485,000 | $213,000 | $553,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $820,000 | $205,000 | $295,000 | $100,000 | $144,000 |
| American Indian or Alaskan Native | 2 | $760,000 | $380,000 | $485,000 | $82,000 | $110,000 |
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) | 2,446 | $1,239,810,000 | $506,000 | $10,405,000 | $158,000 | $6,600,000 |
| 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 | 1,174 | $573,410,000 | $488,000 | $4,385,000 | $132,000 | $3,060,000 |
| Loan Purchased By The Institution | 908 | $459,660,000 | $506,000 | $5,105,000 | $179,000 | $1,582,000 |
| Application Withdrawn By Applicant | 151 | $82,035,000 | $543,000 | $5,005,000 | $197,000 | $2,640,000 |
| Application Denied By Financial Institution | 121 | $57,485,000 | $475,000 | $2,005,000 | $119,000 | $848,000 |
| File Closed For Incompleteness | 70 | $47,550,000 | $679,000 | $3,405,000 | $190,000 | $1,328,000 |
| Application Approved But Not Accepted | 22 | $19,670,000 | $894,000 | $10,405,000 | $428,000 | $6,600,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,325 | $1,182,325,000 | $508,000 | $10,405,000 | $160,000 | $6,600,000 |
| Collateral | 42 | $16,840,000 | $400,000 | $1,045,000 | $93,000 | $322,000 |
| Credit Application Incomplete | 21 | $8,235,000 | $392,000 | $705,000 | $62,000 | $153,000 |
| Credit History | 20 | $11,440,000 | $572,000 | $1,805,000 | $174,000 | $848,000 |
| Debt-To-Income Ratio | 15 | $7,005,000 | $467,000 | $755,000 | $88,000 | $184,000 |
| Other | 12 | $7,440,000 | $620,000 | $2,005,000 | $225,000 | $720,000 |
| Unverifiable Information | 9 | $5,785,000 | $642,000 | $1,205,000 | $155,000 | $318,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $46,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $545,000 | $545,000 | $545,000 | $186,000 | $186,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Royal Business Bank's 2018 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 Business 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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