Rpm Mortgage Inc. Mortgage Lending & HMDA Data, 2016
In 2016, Rpm Mortgage Inc. of Alamo, CA reported 11,144 mortgage applications totaling $5.5 billion, down 15% from 2015. The average application was for $496,980, and applicants reported an average income of $158,828. 77% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Oakland-Hayward-Berkeley, CA (2,680), Los Angeles-Long Beach-Glendale, CA (1,199) and Seattle-Bellevue-Everett, WA (1,055) (applications in parentheses).
| Mortgage Company & Address | Rpm Mortgage Inc. 3236 Stone Valley Road W Alamo, CA 94507 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 11,144 |
| Total Mortgage Loan Application Amount | $5,538,346,000 |
| Average Mortgage Loan Application Amount | $496,980 |
| Highest Mortgage Loan Application Amount | $4,940,000 |
| Average Applicant Income | $158,828 |
| Highest Applicant Income | $2,750,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rpm Mortgage Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Contra Costa, California | 1,551 | $ 864,134,000 | $ 557,146 | $ 168,000 |
| Los Angeles, California | 1,199 | $ 735,239,000 | $ 613,210 | $ 179,000 |
| Alameda, California | 1,129 | $ 602,372,000 | $ 533,544 | $ 168,000 |
| King, Washington | 891 | $ 423,651,000 | $ 475,478 | $ 169,000 |
| Orange, California | 814 | $ 514,816,000 | $ 632,452 | $ 177,000 |
| San Diego, California | 502 | $ 241,653,000 | $ 481,380 | $ 144,000 |
| Marin, California | 365 | $ 221,833,000 | $ 607,761 | $ 181,000 |
| Santa Clara, California | 323 | $ 214,908,000 | $ 665,349 | $ 178,000 |
| Washington, Oregon | 310 | $ 92,074,000 | $ 297,012 | $ 109,000 |
| Santa Barbara, California | 279 | $ 157,064,000 | $ 562,953 | $ 144,000 |
| Sonoma, California | 251 | $ 113,877,000 | $ 453,693 | $ 166,000 |
| Pierce, Washington | 242 | $ 78,541,000 | $ 324,549 | $ 121,000 |
| Monterey, California | 229 | $ 103,008,000 | $ 449,816 | $ 142,000 |
| Multnomah, Oregon | 229 | $ 78,213,000 | $ 341,541 | $ 134,000 |
| San Francisco, California | 198 | $ 151,693,000 | $ 766,126 | $ 210,000 |
| Napa, California | 178 | $ 79,195,000 | $ 444,915 | $ 161,000 |
| Solano, California | 174 | $ 58,198,000 | $ 334,471 | $ 124,000 |
| Snohomish, Washington | 164 | $ 56,948,000 | $ 347,243 | $ 121,000 |
| Riverside, California | 163 | $ 60,718,000 | $ 372,503 | $ 144,000 |
| Clackamas, Oregon | 141 | $ 58,239,000 | $ 413,042 | $ 159,000 |
| Placer, California | 127 | $ 52,825,000 | $ 415,944 | $ 182,000 |
| Sacramento, California | 113 | $ 36,528,000 | $ 323,256 | $ 111,000 |
| Nevada, California | 108 | $ 39,134,000 | $ 362,351 | $ 142,000 |
| San Mateo, California | 106 | $ 70,591,000 | $ 665,952 | $ 192,000 |
| Santa Cruz, California | 94 | $ 45,865,000 | $ 487,925 | $ 170,000 |
| Maricopa, Arizona | 90 | $ 23,854,000 | $ 265,044 | $ 145,000 |
| San Bernardino, California | 81 | $ 22,938,000 | $ 283,185 | $ 94,000 |
| San Joaquin, California | 70 | $ 21,707,000 | $ 310,100 | $ 115,000 |
| El Dorado, California | 67 | $ 20,728,000 | $ 309,373 | $ 141,000 |
| Ventura, California | 67 | $ 27,972,000 | $ 417,492 | $ 133,000 |
| San Luis Obispo, California | 56 | $ 25,439,000 | $ 454,267 | $ 138,000 |
| Kitsap, Washington | 45 | $ 14,101,000 | $ 313,355 | $ 149,000 |
| Boulder, Colorado | 42 | $ 13,862,000 | $ 330,047 | $ 128,000 |
| Clark, Washington | 41 | $ 10,983,000 | $ 267,878 | $ 110,000 |
| Denver, Colorado | 40 | $ 13,456,000 | $ 336,400 | $ 131,000 |
| Mono, California | 38 | $ 15,318,000 | $ 403,105 | $ 175,000 |
| Thurston, Washington | 36 | $ 8,231,000 | $ 228,638 | $ 97,000 |
| Washoe, Nevada | 33 | $ 10,203,000 | $ 309,181 | $ 118,000 |
| Calaveras, California | 29 | $ 6,932,000 | $ 239,034 | $ 143,000 |
| Mendocino, California | 29 | $ 8,605,000 | $ 296,724 | $ 116,000 |
| Stanislaus, California | 25 | $ 6,745,000 | $ 269,800 | $ 101,000 |
| Douglas, Nevada | 22 | $ 9,237,000 | $ 419,863 | $ 152,000 |
| Jefferson, Colorado | 21 | $ 6,966,000 | $ 331,714 | $ 101,000 |
| Kern, California | 18 | $ 3,863,000 | $ 214,611 | $ 95,000 |
| Deschutes, Oregon | 17 | $ 5,136,000 | $ 302,117 | $ 181,000 |
| Summit, Utah | 17 | $ 8,026,000 | $ 472,117 | $ 221,000 |
| Fresno, California | 16 | $ 4,372,000 | $ 273,250 | $ 130,000 |
| Arapahoe, Colorado | 16 | $ 7,228,000 | $ 451,750 | $ 163,000 |
| Yamhill, Oregon | 16 | $ 4,409,000 | $ 275,562 | $ 74,000 |
| Marion, Oregon | 15 | $ 3,023,000 | $ 201,533 | $ 71,000 |
| Tuolumne, California | 14 | $ 3,859,000 | $ 275,642 | $ 126,000 |
| Yolo, California | 13 | $ 3,764,000 | $ 289,538 | $ 93,000 |
| Salt Lake, Utah | 12 | $ 3,705,000 | $ 308,750 | $ 92,000 |
| Douglas, Colorado | 11 | $ 4,216,000 | $ 383,272 | $ 143,000 |
| Lake, California | 10 | $ 1,988,000 | $ 198,800 | $ 184,000 |
| San Benito, California | 10 | $ 4,601,000 | $ 460,100 | $ 146,000 |
| Columbia, Oregon | 9 | $ 1,942,000 | $ 215,777 | $ 88,000 |
| Clark, Nevada | 8 | $ 2,036,000 | $ 254,500 | $ 127,000 |
| Butte, California | 7 | $ 1,864,000 | $ 266,285 | $ 115,000 |
| Inyo, California | 7 | $ 2,418,000 | $ 345,428 | $ 112,000 |
| Yuba, California | 7 | $ 1,190,000 | $ 170,000 | $ 108,000 |
| Island, Washington | 7 | $ 2,629,000 | $ 375,571 | $ 141,000 |
| Mason, Washington | 7 | $ 1,391,000 | $ 198,714 | $ 151,000 |
| Adams, Colorado | 6 | $ 1,381,000 | $ 230,166 | $ 90,000 |
| Jackson, Oregon | 6 | $ 1,827,000 | $ 304,500 | $ 97,000 |
| Davis, Utah | 6 | $ 1,215,000 | $ 202,500 | $ 67,000 |
| Grays Harbor, Washington | 6 | $ 1,311,000 | $ 218,500 | $ 117,000 |
| Lewis, Washington | 6 | $ 1,041,000 | $ 173,500 | $ 32,000 |
| San Juan, Washington | 6 | $ 2,288,000 | $ 381,333 | $ 167,000 |
| Imperial, California | 5 | $ 943,000 | $ 188,600 | $ 139,000 |
| Shasta, California | 5 | $ 1,083,000 | $ 216,600 | $ 139,000 |
| Sierra, California | 5 | $ 1,556,000 | $ 311,200 | $ 155,000 |
| Linn, Oregon | 5 | $ 981,000 | $ 196,200 | $ 65,000 |
| Cowlitz, Washington | 5 | $ 832,000 | $ 166,400 | $ 125,000 |
| Jefferson, Washington | 5 | $ 1,536,000 | $ 307,200 | $ 136,000 |
| Skagit, Washington | 5 | $ 1,332,000 | $ 266,400 | $ 166,000 |
| Madera, California | 4 | $ 685,000 | $ 171,250 | $ 93,000 |
| Merced, California | 4 | $ 836,000 | $ 209,000 | $ 62,000 |
| Plumas, California | 4 | $ 775,000 | $ 193,750 | $ 177,000 |
| Broomfield, Colorado | 4 | $ 917,000 | $ 229,250 | $ 341,000 |
| Summit, Colorado | 4 | $ 942,000 | $ 235,500 | $ 258,000 |
| Weld, Colorado | 4 | $ 1,081,000 | $ 270,250 | $ 81,000 |
| Benton, Oregon | 4 | $ 1,174,000 | $ 293,500 | $ 108,000 |
| Douglas, Oregon | 4 | $ 850,000 | $ 212,500 | $ 64,000 |
| Tillamook, Oregon | 4 | $ 1,450,000 | $ 362,500 | $ 215,000 |
| Wasatch, Utah | 4 | $ 1,308,000 | $ 327,000 | $ 170,000 |
| Chelan, Washington | 4 | $ 1,212,000 | $ 303,000 | $ 180,000 |
| Pima, Arizona | 3 | $ 528,000 | $ 176,000 | $ 98,000 |
| Pinal, Arizona | 3 | $ 556,000 | $ 185,333 | $ 69,000 |
| Siskiyou, California | 3 | $ 922,000 | $ 307,333 | $ 27,000 |
| Gilpin, Colorado | 3 | $ 1,139,000 | $ 379,666 | $ 123,000 |
| Larimer, Colorado | 3 | $ 855,000 | $ 285,000 | $ 108,000 |
| Josephine, Oregon | 3 | $ 680,000 | $ 226,666 | $ 94,000 |
| Lincoln, Oregon | 3 | $ 776,000 | $ 258,666 | $ 172,000 |
| Benton, Washington | 3 | $ 903,000 | $ 301,000 | $ 146,000 |
| Spokane, Washington | 3 | $ 989,000 | $ 329,666 | $ 127,000 |
| Whatcom, Washington | 3 | $ 738,000 | $ 246,000 | $ 91,000 |
| Mohave, Arizona | 2 | $ 332,000 | $ 166,000 | $ 274,000 |
| Yavapai, Arizona | 2 | $ 215,000 | $ 107,500 | $ 85,000 |
| Alpine, California | 2 | $ 669,000 | $ 334,500 | $ 239,000 |
| Amador, California | 2 | $ 441,000 | $ 220,500 | $ 89,000 |
| Humboldt, California | 2 | $ 487,000 | $ 243,500 | $ 184,000 |
| El Paso, Colorado | 2 | $ 549,000 | $ 274,500 | $ 82,000 |
| Ada, Idaho | 2 | $ 593,000 | $ 296,500 | $ 193,000 |
| Curry, Oregon | 2 | $ 376,000 | $ 188,000 | $ 140,000 |
| Lane, Oregon | 2 | $ 378,000 | $ 189,000 | $ 123,000 |
| Union, Oregon | 2 | $ 578,000 | $ 289,000 | $ 60,000 |
| Utah, Utah | 2 | $ 556,000 | $ 278,000 | $ 78,000 |
| Kittitas, Washington | 2 | $ 368,000 | $ 184,000 | $ 83,000 |
| Pacific, Washington | 2 | $ 290,000 | $ 145,000 | $ 42,000 |
| Cochise, Arizona | 1 | $ 157,000 | $ 157,000 | $ 57,000 |
| Del Norte, California | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Glenn, California | 1 | $ 347,000 | $ 347,000 | $ 154,000 |
| Tehama, California | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Trinity, California | 1 | $ 291,000 | $ 291,000 | $ 54,000 |
| Chaffee, Colorado | 1 | $ 250,000 | $ 250,000 | $ 78,000 |
| Eagle, Colorado | 1 | $ 475,000 | $ 475,000 | $ 115,000 |
| Garfield, Colorado | 1 | $ 207,000 | $ 207,000 | $ 34,000 |
| Grand, Colorado | 1 | $ 395,000 | $ 395,000 | $ 508,000 |
| Park, Colorado | 1 | $ 219,000 | $ 219,000 | $ 72,000 |
| Saguache, Colorado | 1 | $ 210,000 | $ 210,000 | $ 141,000 |
| Fremont, Idaho | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Idaho, Idaho | 1 | $ 107,000 | $ 107,000 | $ 17,000 |
| Lyon, Nevada | 1 | $ 143,000 | $ 143,000 | $ 50,000 |
| Baker, Oregon | 1 | $ 163,000 | $ 163,000 | $ 128,000 |
| Clatsop, Oregon | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Coos, Oregon | 1 | $ 144,000 | $ 144,000 | $ 37,000 |
| Hood River, Oregon | 1 | $ 354,000 | $ 354,000 | $ 82,000 |
| Polk, Oregon | 1 | $ 285,000 | $ 285,000 | $ 103,000 |
| Wallowa, Oregon | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Asotin, Washington | 1 | $ 83,000 | $ 83,000 | $ 216,000 |
| Clallam, Washington | 1 | $ 489,000 | $ 489,000 | $ 200,000 |
| Franklin, Washington | 1 | $ 147,000 | $ 147,000 | $ 44,000 |
| Yakima, Washington | 1 | $ 211,000 | $ 211,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Rpm Mortgage Inc. in 2016
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 | 5,890 | $2,897,405,000 | $491,000 | $4,940,000 | $156,000 | $2,750,000 |
| Home Purchase | 5,254 | $2,640,941,000 | $502,000 | $3,000,000 | $162,000 | $2,076,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 4,714 | $2,429,316,000 | $515,000 | $4,940,000 | $179,000 | $2,750,000 |
| White | 4,557 | $2,158,329,000 | $473,000 | $4,805,000 | $169,000 | $2,076,000 |
| Not applicable | 817 | $470,892,000 | $576,000 | $2,960,000 | $0 | $0 |
| Asian | 487 | $241,093,000 | $495,000 | $1,996,000 | $167,000 | $1,188,000 |
| Hispanic | 361 | $148,099,000 | $410,000 | $2,730,000 | $124,000 | $1,121,000 |
| Black or African American | 108 | $47,904,000 | $443,000 | $1,799,000 | $145,000 | $470,000 |
| American Indian or Alaskan Native | 58 | $25,315,000 | $436,000 | $1,314,000 | $163,000 | $640,000 |
| Native Hawaiin or Other Pacific Islander | 42 | $17,398,000 | $414,000 | $845,000 | $136,000 | $335,000 |
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) | 9,882 | $5,015,101,000 | $507,000 | $4,940,000 | $166,000 | $2,750,000 |
| FHA-insured (Federal Housing Administration) | 857 | $344,581,000 | $402,000 | $1,006,000 | $105,000 | $526,000 |
| VA-guaranteed (Veterans Administration) | 394 | $175,904,000 | $446,000 | $1,500,000 | $99,000 | $820,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $2,760,000 | $250,000 | $479,000 | $65,000 | $100,000 |
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 | 8,539 | $4,157,630,000 | $486,000 | $3,000,000 | $153,000 | $2,750,000 |
| Application Withdrawn By Applicant | 1,841 | $961,151,000 | $522,000 | $4,940,000 | $177,000 | $1,627,000 |
| Application Approved But Not Accepted | 339 | $189,577,000 | $559,000 | $2,528,000 | $185,000 | $1,202,000 |
| Application Denied By Financial Institution | 337 | $181,164,000 | $537,000 | $4,805,000 | $170,000 | $1,447,000 |
| File Closed For Incompleteness | 88 | $48,824,000 | $554,000 | $2,290,000 | $203,000 | $1,570,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rpm Mortgage Inc.'s 2016 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 Rpm Mortgage Inc.'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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