Republic Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Republic Bank 2004 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 | Republic Bank 2425 E Grand River Ave Lansing, MI 48912 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 17,242 |
| Total Mortgage Loan Application Amount | $2,566,614,000 |
| Average Mortgage Loan Application Amount | $194,750 |
| Highest Mortgage Loan Application Amount | $6,975,000 |
| Average Applicant Income | $137,958 |
| Highest Applicant Income | $2,926,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Republic 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 Republic Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Republic 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 Republic Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Republic 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 Republic Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oakland County Michigan | 1,679 | $ 382,080,000 | $ 227,000 | $ 89,000 |
| Wayne County Michigan | 1,473 | $ 215,924,000 | $ 146,000 | $ 61,000 |
| Genesee County Michigan | 1,353 | $ 177,364,000 | $ 131,000 | $ 59,000 |
| Ottawa County Michigan | 973 | $ 140,536,000 | $ 144,000 | $ 56,000 |
| Macomb County Michigan | 942 | $ 141,711,000 | $ 150,000 | $ 62,000 |
| Muskegon County Michigan | 883 | $ 91,426,000 | $ 103,000 | $ 53,000 |
| Marion County Indiana | 699 | $ 81,120,000 | $ 116,000 | $ 44,000 |
| Washtenaw County Michigan | 685 | $ 133,341,000 | $ 194,000 | $ 85,000 |
| Jackson County Michigan | 651 | $ 75,297,000 | $ 115,000 | $ 58,000 |
| Livingston County Michigan | 542 | $ 89,915,000 | $ 165,000 | $ 61,000 |
| Montgomery County Ohio | 360 | $ 33,220,000 | $ 92,000 | $ 61,000 |
| Middlesex County Massachusetts | 356 | $ 73,065,000 | $ 205,000 | $ 63,000 |
| Kent County Michigan | 330 | $ 52,688,000 | $ 159,000 | $ 94,000 |
| Allegan County Michigan | 302 | $ 45,994,000 | $ 152,000 | $ 79,000 |
| Hendricks County Indiana | 277 | $ 35,980,000 | $ 129,000 | $ 57,000 |
| Grand Traverse County Michigan | 270 | $ 41,769,000 | $ 154,000 | $ 65,000 |
| Cuyahoga County Ohio | 249 | $ 34,888,000 | $ 140,000 | $ 57,000 |
| Hamilton County Indiana | 246 | $ 33,898,000 | $ 137,000 | $ 55,000 |
| Shiawassee County Michigan | 236 | $ 25,915,000 | $ 109,000 | $ 47,000 |
| Ingham County Michigan | 227 | $ 34,392,000 | $ 151,000 | $ 66,000 |
| Newaygo County Michigan | 203 | $ 17,967,000 | $ 88,000 | $ 41,000 |
| Kalamazoo County Michigan | 190 | $ 31,209,000 | $ 164,000 | $ 55,000 |
| Johnson County Indiana | 187 | $ 21,584,000 | $ 115,000 | $ 44,000 |
| Hancock County Indiana | 173 | $ 23,372,000 | $ 135,000 | $ 54,000 |
| Tippecanoe County Indiana | 171 | $ 20,126,000 | $ 117,000 | $ 43,000 |
| Lake County Ohio | 153 | $ 18,394,000 | $ 120,000 | $ 55,000 |
| Howard County Indiana | 146 | $ 15,415,000 | $ 105,000 | $ 61,000 |
| Greene County Ohio | 131 | $ 18,032,000 | $ 137,000 | $ 67,000 |
| Marquette County Michigan | 105 | $ 8,151,000 | $ 77,000 | $ 61,000 |
| Madison County Indiana | 100 | $ 11,960,000 | $ 119,000 | $ 45,000 |
| Warren County Ohio | 100 | $ 15,583,000 | $ 155,000 | $ 59,000 |
| Lapeer County Michigan | 90 | $ 15,811,000 | $ 175,000 | $ 65,000 |
| Monroe County Michigan | 77 | $ 11,854,000 | $ 153,000 | $ 65,000 |
| Houghton County Michigan | 76 | $ 4,945,000 | $ 65,000 | $ 52,000 |
| St. Clair County Michigan | 68 | $ 10,512,000 | $ 154,000 | $ 79,000 |
| Emmet County Michigan | 66 | $ 12,350,000 | $ 187,000 | $ 88,000 |
| Leelanau County Michigan | 64 | $ 16,569,000 | $ 258,000 | $ 100,000 |
| Benzie County Michigan | 61 | $ 8,437,000 | $ 138,000 | $ 81,000 |
| Lenawee County Michigan | 57 | $ 7,895,000 | $ 138,000 | $ 65,000 |
| Antrim County Michigan | 56 | $ 9,552,000 | $ 170,000 | $ 80,000 |
| Iron County Michigan | 55 | $ 3,224,000 | $ 58,000 | $ 39,000 |
| Saginaw County Michigan | 54 | $ 5,930,000 | $ 109,000 | $ 57,000 |
| Geauga County Ohio | 49 | $ 8,308,000 | $ 169,000 | $ 67,000 |
| Calhoun County Michigan | 48 | $ 5,749,000 | $ 119,000 | $ 41,000 |
| Clinton County Michigan | 45 | $ 6,326,000 | $ 140,000 | $ 76,000 |
| Worcester County Massachusetts | 44 | $ 7,571,000 | $ 172,000 | $ 63,000 |
| Eaton County Michigan | 42 | $ 7,263,000 | $ 172,000 | $ 50,000 |
| Hillsborough County New Hampshire | 42 | $ 7,757,000 | $ 184,000 | $ 72,000 |
| Chippewa County Michigan | 41 | $ 3,514,000 | $ 85,000 | $ 74,000 |
| Miami County Ohio | 41 | $ 5,138,000 | $ 125,000 | $ 59,000 |
| Dickinson County Michigan | 40 | $ 2,109,000 | $ 52,000 | $ 48,000 |
| Oceana County Michigan | 40 | $ 4,909,000 | $ 122,000 | $ 75,000 |
| Van Buren County Michigan | 39 | $ 4,482,000 | $ 114,000 | $ 51,000 |
| Medina County Ohio | 39 | $ 5,681,000 | $ 145,000 | $ 56,000 |
| Tuscola County Michigan | 38 | $ 4,836,000 | $ 127,000 | $ 45,000 |
| Morgan County Indiana | 35 | $ 4,285,000 | $ 122,000 | $ 50,000 |
| Lorain County Ohio | 32 | $ 5,782,000 | $ 180,000 | $ 94,000 |
| Alger County Michigan | 31 | $ 3,104,000 | $ 100,000 | $ 40,000 |
| Clark County Ohio | 30 | $ 3,074,000 | $ 102,000 | $ 42,000 |
| Summit County Ohio | 30 | $ 5,101,000 | $ 170,000 | $ 65,000 |
| Gogebic County Michigan | 29 | $ 1,655,000 | $ 57,000 | $ 39,000 |
| Hillsdale County Michigan | 28 | $ 3,399,000 | $ 121,000 | $ 67,000 |
| Charlevoix County Michigan | 26 | $ 4,497,000 | $ 172,000 | $ 135,000 |
| Cheboygan County Michigan | 24 | $ 3,196,000 | $ 133,000 | $ 62,000 |
| Roscommon County Michigan | 19 | $ 2,583,000 | $ 135,000 | $ 105,000 |
| Rockingham County New Hampshire | 19 | $ 3,440,000 | $ 181,000 | $ 78,000 |
| Essex County Massachusetts | 18 | $ 3,364,000 | $ 186,000 | $ 75,000 |
| Barry County Michigan | 18 | $ 2,388,000 | $ 132,000 | $ 41,000 |
| Delta County Michigan | 16 | $ 946,000 | $ 59,000 | $ 64,000 |
| Montcalm County Michigan | 16 | $ 2,023,000 | $ 126,000 | $ 45,000 |
| St. Joseph County Michigan | 16 | $ 1,740,000 | $ 108,000 | $ 64,000 |
| Kalkaska County Michigan | 15 | $ 2,251,000 | $ 150,000 | $ 69,000 |
| Franklin County Ohio | 15 | $ 12,565,000 | $ 837,000 | $ 50,000 |
| Baraga County Michigan | 14 | $ 1,005,000 | $ 71,000 | $ 62,000 |
| Clare County Michigan | 14 | $ 1,491,000 | $ 106,000 | $ 73,000 |
| Ionia County Michigan | 14 | $ 1,527,000 | $ 109,000 | $ 50,000 |
| Shelby County Indiana | 13 | $ 1,360,000 | $ 104,000 | $ 46,000 |
| Crawford County Michigan | 13 | $ 1,457,000 | $ 112,000 | $ 72,000 |
| Lee County Florida | 12 | $ 2,530,000 | $ 210,000 | $ 257,000 |
| Mecosta County Michigan | 12 | $ 1,587,000 | $ 132,000 | $ 52,000 |
| Montmorency County Michigan | 12 | $ 1,399,000 | $ 116,000 | $ 130,000 |
| Ontonagon County Michigan | 12 | $ 758,000 | $ 63,000 | $ 39,000 |
| Sanilac County Michigan | 12 | $ 1,981,000 | $ 165,000 | $ 54,000 |
| Ottawa County Ohio | 12 | $ 1,747,000 | $ 145,000 | $ 78,000 |
| Boone County Indiana | 11 | $ 2,798,000 | $ 254,000 | $ 97,000 |
| Berrien County Michigan | 11 | $ 1,759,000 | $ 159,000 | $ 99,000 |
| Iosco County Michigan | 11 | $ 1,443,000 | $ 131,000 | $ 82,000 |
| Lake County Michigan | 11 | $ 759,000 | $ 69,000 | $ 75,000 |
| Ashtabula County Ohio | 11 | $ 1,072,000 | $ 97,000 | $ 50,000 |
| Broward County Florida | 10 | $ 2,468,000 | $ 246,000 | $ 126,000 |
| Alcona County Michigan | 10 | $ 1,226,000 | $ 122,000 | $ 71,000 |
| Keweenaw County Michigan | 10 | $ 724,000 | $ 72,000 | $ 141,000 |
| Ogemaw County Michigan | 10 | $ 1,504,000 | $ 150,000 | $ 93,000 |
| Wexford County Michigan | 10 | $ 1,093,000 | $ 109,000 | $ 69,000 |
| Hamilton County Ohio | 10 | $ 1,216,000 | $ 121,000 | $ 125,000 |
| Iron County Wisconsin | 10 | $ 403,000 | $ 40,000 | $ 34,000 |
| Pinellas County Florida | 9 | $ 1,283,000 | $ 142,000 | $ 102,000 |
| Otsego County Michigan | 9 | $ 1,081,000 | $ 120,000 | $ 91,000 |
| Butler County Ohio | 9 | $ 1,092,000 | $ 121,000 | $ 55,000 |
| Collier County Florida | 8 | $ 1,851,000 | $ 231,000 | $ 89,000 |
| Arenac County Michigan | 8 | $ 1,581,000 | $ 197,000 | $ 81,000 |
| Cass County Michigan | 8 | $ 1,164,000 | $ 145,000 | $ 74,000 |
| Gladwin County Michigan | 8 | $ 1,484,000 | $ 185,000 | $ 99,000 |
| Preble County Ohio | 8 | $ 950,000 | $ 118,000 | $ 44,000 |
| Palm Beach County Florida | 7 | $ 781,000 | $ 111,000 | $ 135,000 |
| Branch County Michigan | 7 | $ 1,092,000 | $ 156,000 | $ 88,000 |
| Clinton County Ohio | 7 | $ 445,000 | $ 63,000 | $ 51,000 |
| Licking County Ohio | 7 | $ 2,449,000 | $ 349,000 | $ 66,000 |
| Lucas County Ohio | 7 | $ 872,000 | $ 124,000 | $ 57,000 |
| Portage County Ohio | 7 | $ 1,091,000 | $ 155,000 | $ 62,000 |
| Martin County Florida | 6 | $ 1,351,000 | $ 225,000 | $ 200,000 |
| Miami County Indiana | 6 | $ 602,000 | $ 100,000 | $ 47,000 |
| Mackinac County Michigan | 6 | $ 760,000 | $ 126,000 | $ 49,000 |
| Manistee County Michigan | 6 | $ 2,060,000 | $ 343,000 | $ 103,000 |
| Mason County Michigan | 6 | $ 898,000 | $ 149,000 | $ 91,000 |
| Carroll County New Hampshire | 6 | $ 1,017,000 | $ 169,000 | $ 114,000 |
| Stark County Ohio | 6 | $ 522,000 | $ 87,000 | $ 60,000 |
| Monroe County Florida | 5 | $ 3,181,000 | $ 636,000 | $ 183,000 |
| Cass County Indiana | 5 | $ 525,000 | $ 105,000 | $ 43,000 |
| Alpena County Michigan | 5 | $ 667,000 | $ 133,000 | $ 79,000 |
| Huron County Michigan | 5 | $ 400,000 | $ 80,000 | $ 92,000 |
| Isabella County Michigan | 5 | $ 540,000 | $ 108,000 | $ 389,000 |
| Delaware County Ohio | 5 | $ 1,145,000 | $ 229,000 | $ 82,000 |
| Manatee County Florida | 4 | $ 575,000 | $ 143,000 | $ 85,000 |
| St. Johns County Florida | 4 | $ 480,000 | $ 120,000 | $ 86,000 |
| St. Lucie County Florida | 4 | $ 654,000 | $ 163,000 | $ 108,000 |
| Volusia County Florida | 4 | $ 353,000 | $ 88,000 | $ 80,000 |
| Rush County Indiana | 4 | $ 628,000 | $ 157,000 | $ 81,000 |
| Tipton County Indiana | 4 | $ 428,000 | $ 107,000 | $ 44,000 |
| Bay County Michigan | 4 | $ 356,000 | $ 89,000 | $ 55,000 |
| Menominee County Michigan | 4 | $ 185,000 | $ 46,000 | $ 47,000 |
| Midland County Michigan | 4 | $ 549,000 | $ 137,000 | $ 42,000 |
| Osceola County Michigan | 4 | $ 180,000 | $ 45,000 | $ 62,000 |
| Presque Isle County Michigan | 4 | $ 407,000 | $ 101,000 | $ 29,000 |
| Florence County Wisconsin | 4 | $ 363,000 | $ 90,000 | $ 157,000 |
| Maricopa County Arizona | 3 | $ 877,000 | $ 292,000 | $ 263,000 |
| Charlotte County Florida | 3 | $ 250,000 | $ 83,000 | $ 104,000 |
| Hillsborough County Florida | 3 | $ 505,000 | $ 168,000 | $ 130,000 |
| Lake County Florida | 3 | $ 545,000 | $ 181,000 | $ 74,000 |
| Pasco County Florida | 3 | $ 392,000 | $ 130,000 | $ 141,000 |
| Sarasota County Florida | 3 | $ 893,000 | $ 297,000 | $ 155,000 |
| Kosciusko County Indiana | 3 | $ 503,000 | $ 167,000 | $ 98,000 |
| Monroe County Indiana | 3 | $ 354,000 | $ 118,000 | $ 107,000 |
| Suffolk County Massachusetts | 3 | $ 1,085,000 | $ 361,000 | $ 60,000 |
| Clermont County Ohio | 3 | $ 280,000 | $ 93,000 | $ 57,000 |
| Richland County Ohio | 3 | $ 2,300,000 | $ 766,000 | $ 45,000 |
| Wayne County Ohio | 3 | $ 257,000 | $ 85,000 | $ 44,000 |
| Claiborne County Tennessee | 3 | $ 614,000 | $ 204,000 | $ 66,000 |
| Forest County Wisconsin | 3 | $ 178,000 | $ 59,000 | $ 13,000 |
| Marinette County Wisconsin | 3 | $ 101,000 | $ 33,000 | $ 15,000 |
| Eagle County Colorado | 2 | $ 1,650,000 | $ 825,000 | $ 1,081,000 |
| Fairfield County Connecticut | 2 | $ 323,000 | $ 161,000 | $ 56,000 |
| Hartford County Connecticut | 2 | $ 141,000 | $ 70,000 | $ 58,000 |
| New Haven County Connecticut | 2 | $ 244,000 | $ 122,000 | $ 53,000 |
| Brevard County Florida | 2 | $ 283,000 | $ 141,000 | $ 73,000 |
| Okaloosa County Florida | 2 | $ 255,000 | $ 127,000 | $ 53,000 |
| Orange County Florida | 2 | $ 454,000 | $ 227,000 | $ 145,000 |
| Osceola County Florida | 2 | $ 232,000 | $ 116,000 | $ 57,000 |
| Seminole County Florida | 2 | $ 346,000 | $ 173,000 | $ 68,000 |
| Sumter County Florida | 2 | $ 226,000 | $ 113,000 | $ 66,000 |
| Walton County Florida | 2 | $ 314,000 | $ 157,000 | $ 157,000 |
| Cook County Illinois | 2 | $ 504,000 | $ 252,000 | $ 309,000 |
| Will County Illinois | 2 | $ 796,000 | $ 398,000 | $ 283,000 |
| Allen County Indiana | 2 | $ 335,000 | $ 167,000 | $ 70,000 |
| Clinton County Indiana | 2 | $ 212,000 | $ 106,000 | $ 53,000 |
| Elkhart County Indiana | 2 | $ 69,000 | $ 34,000 | $ 40,000 |
| Steuben County Indiana | 2 | $ 686,000 | $ 343,000 | $ 47,000 |
| Hampden County Massachusetts | 2 | $ 266,000 | $ 133,000 | $ 87,000 |
| Norfolk County Massachusetts | 2 | $ 586,000 | $ 293,000 | $ 64,000 |
| Plymouth County Massachusetts | 2 | $ 426,000 | $ 213,000 | $ 71,000 |
| Gratiot County Michigan | 2 | $ 243,000 | $ 121,000 | $ 43,000 |
| Oscoda County Michigan | 2 | $ 121,000 | $ 60,000 | $ 85,000 |
| Schoolcraft County Michigan | 2 | $ 67,000 | $ 33,000 | $ 11,000 |
| St. Louis County Missouri | 2 | $ 275,000 | $ 137,000 | $ 95,000 |
| St. Louis City County Missouri | 2 | $ 499,000 | $ 249,000 | $ 110,000 |
| Belknap County New Hampshire | 2 | $ 284,000 | $ 142,000 | $ 96,000 |
| Ashland County Ohio | 2 | $ 6,232,000 | $ 3,116,000 | $ 28,000 |
| Darke County Ohio | 2 | $ 312,000 | $ 156,000 | $ 40,000 |
| Erie County Ohio | 2 | $ 177,000 | $ 88,000 | $ 49,000 |
| Hancock County Ohio | 2 | $ 84,000 | $ 42,000 | $ 115,000 |
| Hocking County Ohio | 2 | $ 219,000 | $ 109,000 | $ 100,000 |
| Knox County Ohio | 2 | $ 129,000 | $ 64,000 | $ 67,000 |
| Logan County Ohio | 2 | $ 7,052,000 | $ 3,526,000 | $ 61,000 |
| Mercer County Ohio | 2 | $ 144,000 | $ 72,000 | $ 44,000 |
| Trumbull County Ohio | 2 | $ 127,000 | $ 63,000 | $ 33,000 |
| Campbell County Tennessee | 2 | $ 144,000 | $ 72,000 | $ 236,000 |
| Sevier County Tennessee | 2 | $ 261,000 | $ 130,000 | $ 102,000 |
| Williamson County Tennessee | 2 | $ 623,000 | $ 311,000 | $ 86,000 |
| Milwaukee County Wisconsin | 2 | $ 220,000 | $ 110,000 | $ 86,000 |
| Baldwin County Alabama | 1 | $ 134,000 | $ 134,000 | $ 113,000 |
| Montgomery County Alabama | 1 | $ 217,000 | $ 217,000 | $ 102,000 |
| Pima County Arizona | 1 | $ 113,000 | $ 113,000 | $ 49,000 |
| Pinal County Arizona | 1 | $ 104,000 | $ 104,000 | $ 241,000 |
| Clear Creek County Colorado | 1 | $ 334,000 | $ 334,000 | $ 72,000 |
| Summit County Colorado | 1 | $ 260,000 | $ 260,000 | $ 704,000 |
| Litchfield County Connecticut | 1 | $ 175,000 | $ 175,000 | $ 31,000 |
| Bay County Florida | 1 | $ 240,000 | $ 240,000 | $ 185,000 |
| Duval County Florida | 1 | $ 162,000 | $ 162,000 | $ 96,000 |
| Indian River County Florida | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Nassau County Florida | 1 | $ 140,000 | $ 140,000 | $ 111,000 |
| Santa Rosa County Florida | 1 | $ 304,000 | $ 304,000 | $ 72,000 |
| Iroquois County Illinois | 1 | $ 149,000 | $ 149,000 | $ 87,000 |
| Jo Daviess County Illinois | 1 | $ 68,000 | $ 68,000 | $ 104,000 |
| Monroe County Illinois | 1 | $ 183,000 | $ 183,000 | $ 55,000 |
| St. Clair County Illinois | 1 | $ 304,000 | $ 304,000 | $ 133,000 |
| Bartholomew County Indiana | 1 | $ 94,000 | $ 94,000 | $ 26,000 |
| Delaware County Indiana | 1 | $ 220,000 | $ 220,000 | $ 104,000 |
| Henry County Indiana | 1 | $ 284,000 | $ 284,000 | $ 83,000 |
| Jackson County Indiana | 1 | $ 58,000 | $ 58,000 | $ 25,000 |
| Lake County Indiana | 1 | $ 54,000 | $ 54,000 | $ 41,000 |
| Lawrence County Indiana | 1 | $ 55,000 | $ 55,000 | $ 11,000 |
| Ohio County Indiana | 1 | $ 43,000 | $ 43,000 | $ 88,000 |
| Putnam County Indiana | 1 | $ 109,000 | $ 109,000 | $ 56,000 |
| Randolph County Indiana | 1 | $ 113,000 | $ 113,000 | $ 32,000 |
| Whitley County Indiana | 1 | $ 1,095,000 | $ 1,095,000 | $ 0 |
| Muscatine County Iowa | 1 | $ 47,000 | $ 47,000 | $ 33,000 |
| Hardin County Kentucky | 1 | $ 297,000 | $ 297,000 | $ 82,000 |
| Jefferson County Kentucky | 1 | $ 193,000 | $ 193,000 | $ 60,000 |
| Kenton County Kentucky | 1 | $ 116,000 | $ 116,000 | $ 77,000 |
| Powell County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 103,000 |
| Wayne County Kentucky | 1 | $ 92,000 | $ 92,000 | $ 51,000 |
| Cumberland County Maine | 1 | $ 74,000 | $ 74,000 | $ 51,000 |
| Barnstable County Massachusetts | 1 | $ 193,000 | $ 193,000 | $ 138,000 |
| Nantucket County Massachusetts | 1 | $ 414,000 | $ 414,000 | $ 250,000 |
| Luce County Michigan | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Missaukee County Michigan | 1 | $ 200,000 | $ 200,000 | $ 116,000 |
| Beaverhead County Montana | 1 | $ 68,000 | $ 68,000 | $ 70,000 |
| Cheshire County New Hampshire | 1 | $ 154,000 | $ 154,000 | $ 48,000 |
| Strafford County New Hampshire | 1 | $ 50,000 | $ 50,000 | $ 86,000 |
| Chautauqua County New York | 1 | $ 548,000 | $ 548,000 | $ 0 |
| New York County New York | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Chatham County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 22,000 |
| Dare County North Carolina | 1 | $ 480,000 | $ 480,000 | $ 210,000 |
| Polk County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 115,000 |
| Adams County Ohio | 1 | $ 108,000 | $ 108,000 | $ 77,000 |
| Auglaize County Ohio | 1 | $ 74,000 | $ 74,000 | $ 45,000 |
| Carroll County Ohio | 1 | $ 140,000 | $ 140,000 | $ 56,000 |
| Coshocton County Ohio | 1 | $ 69,000 | $ 69,000 | $ 29,000 |
| Fairfield County Ohio | 1 | $ 140,000 | $ 140,000 | $ 45,000 |
| Fulton County Ohio | 1 | $ 68,000 | $ 68,000 | $ 26,000 |
| Marion County Ohio | 1 | $ 82,000 | $ 82,000 | $ 63,000 |
| Pickaway County Ohio | 1 | $ 99,000 | $ 99,000 | $ 73,000 |
| Shelby County Ohio | 1 | $ 167,000 | $ 167,000 | $ 33,000 |
| Van Wert County Ohio | 1 | $ 97,000 | $ 97,000 | $ 44,000 |
| Deschutes County Oregon | 1 | $ 308,000 | $ 308,000 | $ 79,000 |
| Franklin County Pennsylvania | 1 | $ 257,000 | $ 257,000 | $ 100,000 |
| Luzerne County Pennsylvania | 1 | $ 82,000 | $ 82,000 | $ 49,000 |
| Beaufort County South Carolina | 1 | $ 600,000 | $ 600,000 | $ 375,000 |
| Charleston County South Carolina | 1 | $ 283,000 | $ 283,000 | $ 450,000 |
| Horry County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 256,000 |
| Maury County Tennessee | 1 | $ 194,000 | $ 194,000 | $ 96,000 |
| Rutherford County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 34,000 |
| Tarrant County Texas | 1 | $ 133,000 | $ 133,000 | $ 75,000 |
| Arlington County Virginia | 1 | $ 980,000 | $ 980,000 | $ 638,000 |
| Charlottesville County Virginia | 1 | $ 180,000 | $ 180,000 | $ 276,000 |
| Kitsap County Washington | 1 | $ 300,000 | $ 300,000 | $ 550,000 |
| Ashland County Wisconsin | 1 | $ 26,000 | $ 26,000 | $ 37,000 |
| Pierce County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 36,000 |
| Waukesha County Wisconsin | 1 | $ 118,000 | $ 118,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for Republic Bank in 2004
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 | 10,940 | $1,585,972,000 | $227,576 | $6,975,000 | $176,500 | $2,926,000 |
| Refinancing | 5,755 | $920,466,000 | $180,533 | $5,750,000 | $111,666 | $1,863,000 |
| Home Improvement | 547 | $60,176,000 | $103,285 | $2,150,000 | $51,142 | $658,000 |
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 |
|---|---|---|---|---|---|---|
| White | 15,164 | $2,213,547,000 | $225,461 | $2,919,000 | $153,038 | $2,926,000 |
| Black or African American | 927 | $123,176,000 | $158,444 | $1,000,000 | $94,000 | $456,000 |
| Hispanic | 381 | $52,747,000 | $137,571 | $840,000 | $54,142 | $598,000 |
| Not Provided | 296 | $43,761,000 | $171,333 | $1,546,000 | $86,166 | $2,031,000 |
| Asian | 240 | $44,181,000 | $148,714 | $1,080,000 | $72,142 | $542,000 |
| Not applicable | 131 | $72,625,000 | $868,666 | $6,975,000 | $44,333 | $711,000 |
| American Indian or Alaskan Native | 69 | $10,207,000 | $134,200 | $542,000 | $75,200 | $423,000 |
| Native Hawaiian or Other Pacific Islander | 34 | $6,370,000 | $178,833 | $1,000,000 | $65,666 | $192,000 |
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) | 14,627 | $2,252,723,000 | $207,555 | $6,975,000 | $150,000 | $2,926,000 |
| FHA-insured (Federal Housing Administration) | 2,327 | $277,486,000 | $150,166 | $374,000 | $46,333 | $328,000 |
| VA-guaranteed (Veterans Administration) | 223 | $30,558,000 | $151,200 | $249,000 | $51,600 | $163,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 65 | $5,847,000 | $81,500 | $170,000 | $29,000 | $55,000 |
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 | 13,445 | $2,023,146,000 | $219,840 | $6,975,000 | $136,880 | $2,926,000 |
| Application Withdrawn By Applicant | 1,653 | $237,893,000 | $128,300 | $1,600,000 | $99,900 | $2,031,000 |
| Application Denied By Financial Institution | 1,247 | $186,432,000 | $205,750 | $1,500,000 | $119,083 | $957,000 |
| Preapproval Denied by Financial Institution | 474 | $59,891,000 | $126,000 | $650,000 | $45,000 | $351,000 |
| Application Approved But Not Accepted | 233 | $31,238,000 | $120,333 | $650,000 | $62,166 | $237,000 |
| File Closed For Incompleteness | 180 | $27,040,000 | $167,800 | $1,000,000 | $54,400 | $711,000 |
| Loan Purchased By The Institution | 10 | $974,000 | $86,500 | $221,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 1,342 | $199,951,000 | $199,692 | $1,500,000 | $114,153 | $680,000 |
| Credit History | 160 | $17,701,000 | $148,000 | $880,000 | $69,666 | $190,000 |
| Debt-To-Income Ratio | 104 | $15,062,000 | $140,833 | $1,115,000 | $36,500 | $250,000 |
| Other | 48 | $5,949,000 | $138,400 | $330,000 | $79,600 | $957,000 |
| Collateral | 30 | $3,439,000 | $212,000 | $438,000 | $78,000 | $253,000 |
| Unverifiable Information | 10 | $858,000 | $77,666 | $132,000 | $27,333 | $41,000 |
| Employment History | 10 | $1,386,000 | $133,500 | $362,000 | $44,500 | $117,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $773,000 | $100,500 | $176,000 | $46,000 | $99,000 |
| Mortgage Insurance Denied | 1 | $129,000 | $129,000 | $129,000 | $32,000 | $32,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank's 2004 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 Republic 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 Michigan, download the full spreadsheet
with aggregated HMDA statistics today.