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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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REPUBLIC BANK & TRUST COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
REPUBLIC BANK & TRUST COMPANY |
| Address | 601 W MARKET ST
LOUISVILLE, KY 40202 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 3,742 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $496,924,000 |
| Average Mortgage Loan Amount Applied For | $163,160 |
| Highest Mortgage Loan Amount Applied For | $5,200,000 |
| Average Applicant Income | $116,746 |
| Highest Applicant Income | $1,289,000 |
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| Home Improvement |
237 | $6,602,000 |
$27,000 | $1,074,000 |
$72,000 | $690,000 |
| Home Purchase |
1,834 | $280,605,000 |
$153,000 | $3,313,000 |
$77,000 | $1,171,000 |
| Refinancing |
1,671 | $209,717,000 |
$125,000 | $5,200,000 |
$75,000 | $1,289,000 |
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| American Indian or Alaskan Native |
2 | $294,000 |
$147,000 | $184,000 |
$62,000 | $66,000 |
| Asian |
74 | $12,052,000 |
$162,000 | $865,000 |
$81,000 | $518,000 |
| Black or African American |
134 | $12,400,000 |
$92,000 | $430,000 |
$65,000 | $308,000 |
| Hispanic |
77 | $9,617,000 |
$124,000 | $420,000 |
$62,000 | $640,000 |
| Native Hawaiin or Other Pacific Islander |
11 | $2,056,000 |
$186,000 | $784,000 |
$121,000 | $494,000 |
| Not applicable |
109 | $50,576,000 |
$464,000 | $5,200,000 |
$0 | $0 |
| Not Provided |
169 | $10,202,000 |
$60,000 | $671,000 |
$67,000 | $489,000 |
| White |
3,166 | $399,727,000 |
$126,000 | $1,800,000 |
$80,000 | $1,289,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,716 | $493,776,000 |
$132,000 | $5,200,000 |
$76,000 | $1,289,000 |
| FHA-insured (Federal Housing Administration) |
16 | $1,681,000 |
$105,000 | $163,000 |
$42,000 | $80,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
2 | $244,000 |
$122,000 | $147,000 |
$37,000 | $46,000 |
| VA-guaranteed (Veterans Administration) |
8 | $1,223,000 |
$152,000 | $279,000 |
$67,000 | $115,000 |
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| Application Approved But Not Accepted |
90 | $8,185,000 |
$90,000 | $430,000 |
$71,000 | $360,000 |
| Application Denied By Financial Institution |
122 | $10,130,000 |
$83,000 | $3,000,000 |
$52,000 | $300,000 |
| Application Withdrawn By Applicant |
86 | $13,906,000 |
$161,000 | $1,773,000 |
$64,000 | $489,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
3,444 | $464,703,000 |
$134,000 | $5,200,000 |
$77,000 | $1,289,000 |
| 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 |
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| Collateral |
1 | $17,000 |
$17,000 | $17,000 |
$58,000 | $58,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
35 | $558,000 |
$15,000 | $74,000 |
$53,000 | $147,000 |
| Debt-To-Income Ratio |
54 | $1,393,000 |
$25,000 | $119,000 |
$64,000 | $300,000 |
| Employment History |
4 | $34,000 |
$8,000 | $18,000 |
$48,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $214,000 |
$71,000 | $151,000 |
$51,000 | $63,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for REPUBLIC BANK & TRUST COMPANY by:
Metropolitan Area And
County
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