Royal Business Bank Mortgage Lending & HMDA Data, 2022
In 2022, Royal Business Bank of Los Angeles, CA reported 1,689 mortgage applications totaling $1.3 billion, up 22% from 2021. The average application was for $769,108, and applicants reported an average income of $158,756. 50% of its applications resulted in an originated loan and 6% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (784), Los Angeles-Long Beach-Glendale, CA (315) and Nassau County-Suffolk County, NY (148) (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 | 1,689 |
| Total Mortgage Loan Application Amount | $1,299,025,000 |
| Average Mortgage Loan Application Amount | $769,108 |
| Highest Mortgage Loan Application Amount | $76,115,000 |
| Average Applicant Income | $158,756 |
| Highest Applicant Income | $6,684,000 |
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Act (HMDA) records Royal Business Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Richmond, New York | 325 | $ 134,775,000 | $ 414,692 | $ 89,000 |
| Los Angeles, California | 315 | $ 256,945,000 | $ 815,698 | $ 238,000 |
| Kings, New York | 225 | $ 142,785,000 | $ 634,600 | $ 121,000 |
| Queens, New York | 198 | $ 109,190,000 | $ 551,464 | $ 122,000 |
| Nassau, New York | 120 | $ 68,840,000 | $ 573,666 | $ 182,000 |
| San Bernardino, California | 99 | $ 50,125,000 | $ 506,313 | $ 179,000 |
| Orange, California | 80 | $ 144,590,000 | $ 1,807,375 | $ 252,000 |
| Riverside, California | 34 | $ 16,170,000 | $ 475,588 | $ 175,000 |
| Suffolk, New York | 28 | $ 12,530,000 | $ 447,500 | $ 148,000 |
| Clark, Nevada | 26 | $ 22,490,000 | $ 865,000 | $ 134,000 |
| Cook, Illinois | 21 | $ 5,805,000 | $ 276,428 | $ 162,000 |
| Middlesex, New Jersey | 20 | $ 5,940,000 | $ 297,000 | $ 93,000 |
| San Francisco, California | 14 | $ 9,620,000 | $ 687,142 | $ 206,000 |
| San Diego, California | 11 | $ 6,275,000 | $ 570,454 | $ 221,000 |
| Santa Clara, California | 11 | $ 13,315,000 | $ 1,210,454 | $ 324,000 |
| Bergen, New Jersey | 10 | $ 6,760,000 | $ 676,000 | $ 108,000 |
| Alameda, California | 9 | $ 5,155,000 | $ 572,777 | $ 169,000 |
| Bronx, New York | 8 | $ 3,330,000 | $ 416,250 | $ 93,000 |
| Kern, California | 7 | $ 29,465,000 | $ 4,209,285 | $ 79,000 |
| Santa Barbara, California | 6 | $ 8,030,000 | $ 1,338,333 | $ 186,000 |
| Ventura, California | 6 | $ 3,410,000 | $ 568,333 | $ 151,000 |
| Hudson, New Jersey | 6 | $ 2,480,000 | $ 413,333 | $ 119,000 |
| Monmouth, New Jersey | 6 | $ 2,890,000 | $ 481,666 | $ 134,000 |
| New York, New York | 6 | $ 4,370,000 | $ 728,333 | $ 352,000 |
| Sacramento, California | 5 | $ 1,975,000 | $ 395,000 | $ 90,000 |
| Butte, California | 3 | $ 3,655,000 | $ 1,218,333 | $ 139,000 |
| Contra Costa, California | 3 | $ 1,955,000 | $ 651,666 | $ 231,000 |
| Napa, California | 3 | $ 935,000 | $ 311,666 | $ 213,000 |
| San Mateo, California | 3 | $ 2,805,000 | $ 935,000 | $ 302,000 |
| Essex, New Jersey | 3 | $ 1,075,000 | $ 358,333 | $ 103,000 |
| Ocean, New Jersey | 3 | $ 675,000 | $ 225,000 | $ 71,000 |
| Dutchess, New York | 3 | $ 795,000 | $ 265,000 | $ 106,000 |
| Orange, New York | 3 | $ 845,000 | $ 281,666 | $ 107,000 |
| Westchester, New York | 3 | $ 1,305,000 | $ 435,000 | $ 191,000 |
| El Dorado, California | 2 | $ 990,000 | $ 495,000 | $ 146,000 |
| Fresno, California | 2 | $ 3,110,000 | $ 1,555,000 | $ 138,000 |
| San Joaquin, California | 2 | $ 1,460,000 | $ 730,000 | $ 317,000 |
| Arapahoe, Colorado | 2 | $ 2,850,000 | $ 1,425,000 | $ 90,000 |
| Gwinnett, Georgia | 2 | $ 710,000 | $ 355,000 | $ 124,000 |
| Honolulu, Hawaii | 2 | $ 1,320,000 | $ 660,000 | $ 486,000 |
| Sarpy, Nebraska | 2 | $ 32,810,000 | $ 16,405,000 | $ 0 |
| Burlington, New Jersey | 2 | $ 430,000 | $ 215,000 | $ 66,000 |
| Putnam, New York | 2 | $ 380,000 | $ 190,000 | $ 87,000 |
| Saratoga, New York | 2 | $ 520,000 | $ 260,000 | $ 66,000 |
| Oklahoma, Oklahoma | 2 | $ 19,180,000 | $ 9,590,000 | $ 0 |
| Thurston, Washington | 2 | $ 45,370,000 | $ 22,685,000 | $ 392,000 |
| Pike, Alabama | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Gila, Arizona | 1 | $ 785,000 | $ 785,000 | $ 0 |
| Maricopa, Arizona | 1 | $ 355,000 | $ 355,000 | $ 66,000 |
| Pima, Arizona | 1 | $ 345,000 | $ 345,000 | $ 90,000 |
| Pulaski, Arkansas | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Marin, California | 1 | $ 645,000 | $ 645,000 | $ 254,000 |
| Santa Cruz, California | 1 | $ 875,000 | $ 875,000 | $ 316,000 |
| Solano, California | 1 | $ 395,000 | $ 395,000 | $ 117,000 |
| Sonoma, California | 1 | $ 1,625,000 | $ 1,625,000 | $ 630,000 |
| Stanislaus, California | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Adams, Colorado | 1 | $ 435,000 | $ 435,000 | $ 192,000 |
| El Paso, Colorado | 1 | $ 435,000 | $ 435,000 | $ 242,000 |
| Escambia, Florida | 1 | $ 1,475,000 | $ 1,475,000 | $ 0 |
| Miami-Dade, Florida | 1 | $ 1,595,000 | $ 1,595,000 | $ 1,974,000 |
| Orange, Florida | 1 | $ 715,000 | $ 715,000 | $ 163,000 |
| Osceola, Florida | 1 | $ 475,000 | $ 475,000 | $ 237,000 |
| Pasco, Florida | 1 | $ 355,000 | $ 355,000 | $ 102,000 |
| Sarasota, Florida | 1 | $ 255,000 | $ 255,000 | $ 84,000 |
| DeKalb, Georgia | 1 | $ 285,000 | $ 285,000 | $ 112,000 |
| Forsyth, Georgia | 1 | $ 495,000 | $ 495,000 | $ 288,000 |
| Fulton, Georgia | 1 | $ 335,000 | $ 335,000 | $ 72,000 |
| DuPage, Illinois | 1 | $ 265,000 | $ 265,000 | $ 111,000 |
| Will, Illinois | 1 | $ 325,000 | $ 325,000 | $ 104,000 |
| Des Moines, Iowa | 1 | $ 2,815,000 | $ 2,815,000 | $ 0 |
| Johnson, Iowa | 1 | $ 17,645,000 | $ 17,645,000 | $ 0 |
| Baltimore, Maryland | 1 | $ 275,000 | $ 275,000 | $ 123,000 |
| Nye, Nevada | 1 | $ 2,505,000 | $ 2,505,000 | $ 0 |
| Mercer, New Jersey | 1 | $ 185,000 | $ 185,000 | $ 156,000 |
| Somerset, New Jersey | 1 | $ 495,000 | $ 495,000 | $ 160,000 |
| Union, New Jersey | 1 | $ 335,000 | $ 335,000 | $ 95,000 |
| Albany, New York | 1 | $ 235,000 | $ 235,000 | $ 64,000 |
| Rensselaer, New York | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| Rockland, New York | 1 | $ 395,000 | $ 395,000 | $ 96,000 |
| Vance, North Carolina | 1 | $ 3,005,000 | $ 3,005,000 | $ 0 |
| Okmulgee, Oklahoma | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Klamath, Oregon | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 81,000 |
| Montgomery, Texas | 1 | $ 15,005,000 | $ 15,005,000 | $ 0 |
| Fairfax, Virginia | 1 | $ 15,665,000 | $ 15,665,000 | $ 0 |
| Southampton, Virginia | 1 | $ 3,575,000 | $ 3,575,000 | $ 0 |
| King, Washington | 1 | $ 26,005,000 | $ 26,005,000 | $ 0 |
| Whatcom, Washington | 1 | $ 1,355,000 | $ 1,355,000 | $ 0 |
Mortgage Loan Application Detail Totals for Royal Business Bank in 2022
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 | 1,286 | $1,020,250,000 | $793,000 | $76,115,000 | $149,000 | $1,974,000 |
| Cash-out Refinancing | 162 | $103,620,000 | $639,000 | $2,405,000 | $180,000 | $1,224,000 |
| Refinancing | 140 | $110,100,000 | $786,000 | $15,005,000 | $156,000 | $1,752,000 |
| Other Purpose | 98 | $61,490,000 | $627,000 | $3,245,000 | $170,000 | $630,000 |
| Home Improvement | 3 | $3,565,000 | $1,188,000 | $1,595,000 | $2,955,000 | $6,684,000 |
| 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 | 1,499 | $821,025,000 | $547,000 | $3,245,000 | $149,000 | $1,752,000 |
| Not Provided | 74 | $46,080,000 | $622,000 | $2,305,000 | $330,000 | $6,684,000 |
| Not applicable | 63 | $403,405,000 | $6,403,000 | $76,115,000 | $0 | $0 |
| White | 29 | $18,605,000 | $641,000 | $1,555,000 | $259,000 | $661,000 |
| Hispanic | 20 | $8,440,000 | $422,000 | $775,000 | $148,000 | $516,000 |
| Black or African American | 2 | $890,000 | $445,000 | $575,000 | $129,000 | $182,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $495,000 | $495,000 | $495,000 | $98,000 | $98,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $96,000 | $96,000 |
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) | 1,689 | $1,299,025,000 | $769,000 | $76,115,000 | $159,000 | $6,684,000 |
| 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 | 841 | $755,995,000 | $898,000 | $76,115,000 | $146,000 | $6,684,000 |
| Loan Purchased By The Institution | 482 | $278,540,000 | $577,000 | $2,095,000 | $187,000 | $1,591,000 |
| File Closed For Incompleteness | 146 | $85,210,000 | $583,000 | $4,875,000 | $140,000 | $1,752,000 |
| Application Denied By Financial Institution | 104 | $73,420,000 | $705,000 | $16,405,000 | $161,000 | $661,000 |
| Application Withdrawn By Applicant | 103 | $59,685,000 | $579,000 | $2,505,000 | $154,000 | $456,000 |
| Application Approved But Not Accepted | 13 | $46,175,000 | $3,551,000 | $20,005,000 | $119,000 | $216,000 |
| 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 | 1,585 | $1,225,605,000 | $773,000 | $76,115,000 | $159,000 | $6,684,000 |
| Other | 52 | $42,400,000 | $815,000 | $16,405,000 | $182,000 | $661,000 |
| Debt-To-Income Ratio | 18 | $9,070,000 | $503,000 | $1,205,000 | $104,000 | $261,000 |
| Collateral | 16 | $11,250,000 | $703,000 | $2,405,000 | $194,000 | $520,000 |
| Credit History | 13 | $8,795,000 | $676,000 | $1,105,000 | $143,000 | $216,000 |
| Unverifiable Information | 3 | $1,135,000 | $378,000 | $425,000 | $87,000 | $118,000 |
| Employment History | 2 | $770,000 | $385,000 | $425,000 | $95,000 | $107,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Business Bank's 2022 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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