Royal Business Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Royal Business Bank 2022 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 Business Bank 660 S. Figueroa St. Suite 1888 Los Angeles, CA 90017 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | $806,600 |
| Highest Mortgage Loan Application Amount | $76,115,000 |
| Average Applicant Income | $722,000 |
| Highest Applicant Income | $6,684,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Royal Business Bank. 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 Business Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Royal Business Bank'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 Business Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Royal Business Bank, 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 Business Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Richmond County New York | 325 | $ 134,775,000 | $ 414,000 | $ 89,000 |
| Los Angeles County California | 315 | $ 256,945,000 | $ 815,000 | $ 238,000 |
| Kings County New York | 225 | $ 142,785,000 | $ 634,000 | $ 121,000 |
| Queens County New York | 198 | $ 109,190,000 | $ 551,000 | $ 122,000 |
| Nassau County New York | 120 | $ 68,840,000 | $ 573,000 | $ 182,000 |
| San Bernardino County California | 99 | $ 50,125,000 | $ 506,000 | $ 179,000 |
| Orange County California | 80 | $ 144,590,000 | $ 1,807,000 | $ 252,000 |
| Riverside County California | 34 | $ 16,170,000 | $ 475,000 | $ 175,000 |
| Suffolk County New York | 28 | $ 12,530,000 | $ 447,000 | $ 148,000 |
| Clark County Nevada | 26 | $ 22,490,000 | $ 865,000 | $ 134,000 |
| Cook County Illinois | 21 | $ 5,805,000 | $ 276,000 | $ 162,000 |
| Middlesex County New Jersey | 20 | $ 5,940,000 | $ 297,000 | $ 93,000 |
| San Francisco County California | 14 | $ 9,620,000 | $ 687,000 | $ 206,000 |
| San Diego County California | 11 | $ 6,275,000 | $ 570,000 | $ 221,000 |
| Santa Clara County California | 11 | $ 13,315,000 | $ 1,210,000 | $ 324,000 |
| Bergen County New Jersey | 10 | $ 6,760,000 | $ 676,000 | $ 108,000 |
| Alameda County California | 9 | $ 5,155,000 | $ 572,000 | $ 169,000 |
| Bronx County New York | 8 | $ 3,330,000 | $ 416,000 | $ 93,000 |
| Kern County California | 7 | $ 29,465,000 | $ 4,209,000 | $ 79,000 |
| Santa Barbara County California | 6 | $ 8,030,000 | $ 1,338,000 | $ 186,000 |
| Ventura County California | 6 | $ 3,410,000 | $ 568,000 | $ 151,000 |
| Hudson County New Jersey | 6 | $ 2,480,000 | $ 413,000 | $ 119,000 |
| Monmouth County New Jersey | 6 | $ 2,890,000 | $ 481,000 | $ 134,000 |
| New York County New York | 6 | $ 4,370,000 | $ 728,000 | $ 352,000 |
| Sacramento County California | 5 | $ 1,975,000 | $ 395,000 | $ 90,000 |
| Butte County California | 3 | $ 3,655,000 | $ 1,218,000 | $ 139,000 |
| Contra Costa County California | 3 | $ 1,955,000 | $ 651,000 | $ 231,000 |
| Napa County California | 3 | $ 935,000 | $ 311,000 | $ 213,000 |
| San Mateo County California | 3 | $ 2,805,000 | $ 935,000 | $ 302,000 |
| Essex County New Jersey | 3 | $ 1,075,000 | $ 358,000 | $ 103,000 |
| Ocean County New Jersey | 3 | $ 675,000 | $ 225,000 | $ 71,000 |
| Dutchess County New York | 3 | $ 795,000 | $ 265,000 | $ 106,000 |
| Orange County New York | 3 | $ 845,000 | $ 281,000 | $ 107,000 |
| Westchester County New York | 3 | $ 1,305,000 | $ 435,000 | $ 191,000 |
| El Dorado County California | 2 | $ 990,000 | $ 495,000 | $ 146,000 |
| Fresno County California | 2 | $ 3,110,000 | $ 1,555,000 | $ 138,000 |
| San Joaquin County California | 2 | $ 1,460,000 | $ 730,000 | $ 317,000 |
| Arapahoe County Colorado | 2 | $ 2,850,000 | $ 1,425,000 | $ 90,000 |
| Gwinnett County Georgia | 2 | $ 710,000 | $ 355,000 | $ 124,000 |
| Honolulu County Hawaii | 2 | $ 1,320,000 | $ 660,000 | $ 486,000 |
| Sarpy County Nebraska | 2 | $ 32,810,000 | $ 16,405,000 | $ 0 |
| Burlington County New Jersey | 2 | $ 430,000 | $ 215,000 | $ 66,000 |
| Putnam County New York | 2 | $ 380,000 | $ 190,000 | $ 87,000 |
| Saratoga County New York | 2 | $ 520,000 | $ 260,000 | $ 66,000 |
| Oklahoma County Oklahoma | 2 | $ 19,180,000 | $ 9,590,000 | $ 0 |
| Thurston County Washington | 2 | $ 45,370,000 | $ 22,685,000 | $ 392,000 |
| Pike County Alabama | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Gila County Arizona | 1 | $ 785,000 | $ 785,000 | $ 0 |
| Maricopa County Arizona | 1 | $ 355,000 | $ 355,000 | $ 66,000 |
| Pima County Arizona | 1 | $ 345,000 | $ 345,000 | $ 90,000 |
| Pulaski County Arkansas | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Marin County California | 1 | $ 645,000 | $ 645,000 | $ 254,000 |
| Santa Cruz County California | 1 | $ 875,000 | $ 875,000 | $ 316,000 |
| Solano County California | 1 | $ 395,000 | $ 395,000 | $ 117,000 |
| Sonoma County California | 1 | $ 1,625,000 | $ 1,625,000 | $ 630,000 |
| Stanislaus County California | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Adams County Colorado | 1 | $ 435,000 | $ 435,000 | $ 192,000 |
| El Paso County Colorado | 1 | $ 435,000 | $ 435,000 | $ 242,000 |
| Escambia County Florida | 1 | $ 1,475,000 | $ 1,475,000 | $ 0 |
| Miami-Dade County Florida | 1 | $ 1,595,000 | $ 1,595,000 | $ 1,974,000 |
| Orange County Florida | 1 | $ 715,000 | $ 715,000 | $ 163,000 |
| Osceola County Florida | 1 | $ 475,000 | $ 475,000 | $ 237,000 |
| Pasco County Florida | 1 | $ 355,000 | $ 355,000 | $ 102,000 |
| Sarasota County Florida | 1 | $ 255,000 | $ 255,000 | $ 84,000 |
| DeKalb County Georgia | 1 | $ 285,000 | $ 285,000 | $ 112,000 |
| Forsyth County Georgia | 1 | $ 495,000 | $ 495,000 | $ 288,000 |
| Fulton County Georgia | 1 | $ 335,000 | $ 335,000 | $ 72,000 |
| DuPage County Illinois | 1 | $ 265,000 | $ 265,000 | $ 111,000 |
| Will County Illinois | 1 | $ 325,000 | $ 325,000 | $ 104,000 |
| Des Moines County Iowa | 1 | $ 2,815,000 | $ 2,815,000 | $ 0 |
| Johnson County Iowa | 1 | $ 17,645,000 | $ 17,645,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 275,000 | $ 275,000 | $ 123,000 |
| Nye County Nevada | 1 | $ 2,505,000 | $ 2,505,000 | $ 0 |
| Mercer County New Jersey | 1 | $ 185,000 | $ 185,000 | $ 156,000 |
| Somerset County New Jersey | 1 | $ 495,000 | $ 495,000 | $ 160,000 |
| Union County New Jersey | 1 | $ 335,000 | $ 335,000 | $ 95,000 |
| Albany County New York | 1 | $ 235,000 | $ 235,000 | $ 64,000 |
| Rensselaer County New York | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| Rockland County New York | 1 | $ 395,000 | $ 395,000 | $ 96,000 |
| Vance County North Carolina | 1 | $ 3,005,000 | $ 3,005,000 | $ 0 |
| Okmulgee County Oklahoma | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Klamath County Oregon | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 81,000 |
| Montgomery County Texas | 1 | $ 15,005,000 | $ 15,005,000 | $ 0 |
| Fairfax County Virginia | 1 | $ 15,665,000 | $ 15,665,000 | $ 0 |
| Southampton County Virginia | 1 | $ 3,575,000 | $ 3,575,000 | $ 0 |
| King County Washington | 1 | $ 26,005,000 | $ 26,005,000 | $ 0 |
| Whatcom County 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.