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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
Mortgage Loans and Application Details
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| Mortgage Company Name |
REPUBLIC BANK & TRUST |
| Address | P. O. BOX 5369
NORMAN, OK 73070 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 800 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $102,248,000 |
| Average Mortgage Loan Amount Applied For | $121,318 |
| Highest Mortgage Loan Amount Applied For | $4,000,000 |
| Average Applicant Income | $90,090 |
| Highest Applicant Income | $1,718,000 |
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| Home Improvement |
94 | $2,919,000 |
$31,000 | $233,000 |
$65,000 | $453,000 |
| Home Purchase |
766 | $100,067,000 |
$130,000 | $979,000 |
$73,000 | $650,000 |
| Refinancing |
153 | $24,000,000 |
$156,000 | $4,000,000 |
$93,000 | $1,718,000 |
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| American Indian or Alaskan Native |
26 | $2,276,000 |
$87,000 | $220,000 |
$50,000 | $107,000 |
| Asian |
21 | $2,986,000 |
$142,000 | $290,000 |
$86,000 | $234,000 |
| Black or African American |
35 | $5,014,000 |
$143,000 | $844,000 |
$86,000 | $650,000 |
| Hispanic |
32 | $3,744,000 |
$117,000 | $712,000 |
$56,000 | $225,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
44 | $9,904,000 |
$225,000 | $4,000,000 |
$3,000 | $133,000 |
| Not Provided |
5 | $525,000 |
$105,000 | $300,000 |
$87,000 | $162,000 |
| White |
850 | $102,537,000 |
$120,000 | $1,019,000 |
$80,000 | $1,718,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
737 | $95,746,000 |
$129,000 | $4,000,000 |
$85,000 | $1,718,000 |
| FHA-insured (Federal Housing Administration) |
222 | $23,151,000 |
$104,000 | $220,000 |
$47,000 | $270,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
54 | $8,089,000 |
$149,000 | $352,000 |
$56,000 | $153,000 |
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| Application Approved But Not Accepted |
142 | $21,145,000 |
$148,000 | $796,000 |
$81,000 | $418,000 |
| Application Denied By Financial Institution |
46 | $4,243,000 |
$92,000 | $343,000 |
$47,000 | $240,000 |
| Application Withdrawn By Applicant |
10 | $1,656,000 |
$165,000 | $816,000 |
$81,000 | $325,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
605 | $75,689,000 |
$125,000 | $4,000,000 |
$84,000 | $1,718,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
148 | $17,341,000 |
$117,000 | $580,000 |
$54,000 | $280,000 |
| Preapproval Denied by Financial Institution |
62 | $6,912,000 |
$111,000 | $275,000 |
$48,000 | $175,000 |
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| Collateral |
5 | $515,000 |
$103,000 | $343,000 |
$72,000 | $240,000 |
| Credit Application Incomplete |
4 | $471,000 |
$117,000 | $220,000 |
$41,000 | $88,000 |
| Credit History |
73 | $8,047,000 |
$110,000 | $322,000 |
$50,000 | $175,000 |
| Debt-To-Income Ratio |
22 | $1,808,000 |
$82,000 | $206,000 |
$37,000 | $86,000 |
| Employment History |
2 | $164,000 |
$82,000 | $117,000 |
$30,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $150,000 |
$75,000 | $112,000 |
$40,000 | $80,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for REPUBLIC BANK & TRUST by:
Metropolitan Area And
County
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