Republic Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Republic Bank 2005 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 | 15,415 |
| Total Mortgage Loan Application Amount | $2,246,902,000 |
| Average Mortgage Loan Application Amount | $167,790 |
| Highest Mortgage Loan Application Amount | $19,000,000 |
| Average Applicant Income | $113,162 |
| Highest Applicant Income | $5,004,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 1,370 | $ 273,978,000 | $ 199,000 | $ 86,000 |
| Wayne County Michigan | 1,285 | $ 185,992,000 | $ 144,000 | $ 60,000 |
| Genesee County Michigan | 1,067 | $ 138,993,000 | $ 130,000 | $ 61,000 |
| Muskegon County Michigan | 920 | $ 94,857,000 | $ 103,000 | $ 49,000 |
| Ottawa County Michigan | 807 | $ 105,013,000 | $ 130,000 | $ 54,000 |
| Macomb County Michigan | 660 | $ 100,023,000 | $ 151,000 | $ 60,000 |
| Washtenaw County Michigan | 644 | $ 124,910,000 | $ 193,000 | $ 76,000 |
| Marion County Indiana | 602 | $ 68,859,000 | $ 114,000 | $ 47,000 |
| Livingston County Michigan | 528 | $ 84,042,000 | $ 159,000 | $ 68,000 |
| Jackson County Michigan | 356 | $ 41,113,000 | $ 115,000 | $ 60,000 |
| Hamilton County Indiana | 292 | $ 37,358,000 | $ 127,000 | $ 69,000 |
| Kent County Michigan | 281 | $ 40,513,000 | $ 144,000 | $ 73,000 |
| Johnson County Indiana | 276 | $ 32,840,000 | $ 118,000 | $ 47,000 |
| Ingham County Michigan | 264 | $ 51,803,000 | $ 196,000 | $ 51,000 |
| Middlesex County Massachusetts | 257 | $ 55,924,000 | $ 217,000 | $ 61,000 |
| Shiawassee County Michigan | 249 | $ 29,682,000 | $ 119,000 | $ 51,000 |
| Grand Traverse County Michigan | 242 | $ 42,829,000 | $ 176,000 | $ 63,000 |
| Montgomery County Ohio | 237 | $ 24,817,000 | $ 104,000 | $ 67,000 |
| Hendricks County Indiana | 226 | $ 29,881,000 | $ 132,000 | $ 53,000 |
| Allegan County Michigan | 211 | $ 32,046,000 | $ 151,000 | $ 67,000 |
| Kalamazoo County Michigan | 190 | $ 24,424,000 | $ 128,000 | $ 51,000 |
| Howard County Indiana | 169 | $ 16,062,000 | $ 95,000 | $ 72,000 |
| Newaygo County Michigan | 167 | $ 14,564,000 | $ 87,000 | $ 50,000 |
| Hancock County Indiana | 160 | $ 21,840,000 | $ 136,000 | $ 58,000 |
| Cuyahoga County Ohio | 159 | $ 39,074,000 | $ 245,000 | $ 86,000 |
| Greene County Ohio | 137 | $ 18,104,000 | $ 132,000 | $ 61,000 |
| Tippecanoe County Indiana | 133 | $ 15,618,000 | $ 117,000 | $ 46,000 |
| Houghton County Michigan | 123 | $ 6,991,000 | $ 56,000 | $ 47,000 |
| Lake County Ohio | 122 | $ 17,094,000 | $ 140,000 | $ 47,000 |
| Marquette County Michigan | 120 | $ 8,231,000 | $ 68,000 | $ 53,000 |
| Monroe County Michigan | 100 | $ 13,449,000 | $ 134,000 | $ 58,000 |
| Iron County Michigan | 97 | $ 7,721,000 | $ 79,000 | $ 49,000 |
| Lapeer County Michigan | 92 | $ 15,283,000 | $ 166,000 | $ 72,000 |
| Madison County Indiana | 86 | $ 10,311,000 | $ 119,000 | $ 41,000 |
| Warren County Ohio | 83 | $ 14,130,000 | $ 170,000 | $ 66,000 |
| Leelanau County Michigan | 69 | $ 17,536,000 | $ 254,000 | $ 91,000 |
| Emmet County Michigan | 66 | $ 10,975,000 | $ 166,000 | $ 76,000 |
| Eaton County Michigan | 61 | $ 8,424,000 | $ 138,000 | $ 61,000 |
| Lenawee County Michigan | 61 | $ 7,786,000 | $ 127,000 | $ 75,000 |
| Alger County Michigan | 57 | $ 3,236,000 | $ 56,000 | $ 49,000 |
| Saginaw County Michigan | 55 | $ 5,488,000 | $ 99,000 | $ 56,000 |
| St. Clair County Michigan | 55 | $ 9,152,000 | $ 166,000 | $ 55,000 |
| Geauga County Ohio | 55 | $ 7,512,000 | $ 136,000 | $ 72,000 |
| Clinton County Michigan | 54 | $ 9,385,000 | $ 173,000 | $ 68,000 |
| Dickinson County Michigan | 50 | $ 3,162,000 | $ 63,000 | $ 53,000 |
| Morgan County Indiana | 47 | $ 6,383,000 | $ 135,000 | $ 50,000 |
| Antrim County Michigan | 42 | $ 8,804,000 | $ 209,000 | $ 103,000 |
| Oceana County Michigan | 41 | $ 4,383,000 | $ 106,000 | $ 52,000 |
| Chippewa County Michigan | 40 | $ 3,455,000 | $ 86,000 | $ 63,000 |
| Calhoun County Michigan | 39 | $ 4,547,000 | $ 116,000 | $ 43,000 |
| Van Buren County Michigan | 37 | $ 3,937,000 | $ 106,000 | $ 69,000 |
| Medina County Ohio | 37 | $ 4,852,000 | $ 131,000 | $ 85,000 |
| Summit County Ohio | 36 | $ 5,780,000 | $ 160,000 | $ 77,000 |
| Worcester County Massachusetts | 34 | $ 6,674,000 | $ 196,000 | $ 61,000 |
| Delta County Michigan | 34 | $ 3,194,000 | $ 93,000 | $ 52,000 |
| Shelby County Indiana | 31 | $ 3,909,000 | $ 126,000 | $ 61,000 |
| Benzie County Michigan | 31 | $ 3,825,000 | $ 123,000 | $ 80,000 |
| Hillsborough County New Hampshire | 31 | $ 5,443,000 | $ 175,000 | $ 62,000 |
| Charlevoix County Michigan | 30 | $ 7,180,000 | $ 239,000 | $ 54,000 |
| Barry County Michigan | 27 | $ 3,034,000 | $ 112,000 | $ 40,000 |
| Tuscola County Michigan | 25 | $ 2,538,000 | $ 101,000 | $ 50,000 |
| Gogebic County Michigan | 24 | $ 1,242,000 | $ 51,000 | $ 48,000 |
| Essex County Massachusetts | 21 | $ 4,957,000 | $ 236,000 | $ 80,000 |
| Lee County Florida | 20 | $ 5,032,000 | $ 251,000 | $ 170,000 |
| Gladwin County Michigan | 20 | $ 3,684,000 | $ 184,000 | $ 88,000 |
| Baraga County Michigan | 19 | $ 1,512,000 | $ 79,000 | $ 52,000 |
| Hillsdale County Michigan | 18 | $ 1,901,000 | $ 105,000 | $ 76,000 |
| Mackinac County Michigan | 18 | $ 2,713,000 | $ 150,000 | $ 97,000 |
| Kalkaska County Michigan | 17 | $ 2,568,000 | $ 151,000 | $ 54,000 |
| Keweenaw County Michigan | 16 | $ 1,478,000 | $ 92,000 | $ 59,000 |
| Mecosta County Michigan | 16 | $ 2,983,000 | $ 186,000 | $ 75,000 |
| Roscommon County Michigan | 16 | $ 2,081,000 | $ 130,000 | $ 85,000 |
| Ottawa County Ohio | 16 | $ 3,320,000 | $ 207,000 | $ 120,000 |
| Ionia County Michigan | 15 | $ 1,686,000 | $ 112,000 | $ 52,000 |
| Ontonagon County Michigan | 15 | $ 1,049,000 | $ 69,000 | $ 68,000 |
| Lorain County Ohio | 15 | $ 2,504,000 | $ 166,000 | $ 74,000 |
| Ashtabula County Ohio | 14 | $ 1,476,000 | $ 105,000 | $ 52,000 |
| Butler County Ohio | 14 | $ 2,102,000 | $ 150,000 | $ 58,000 |
| Clark County Ohio | 14 | $ 2,174,000 | $ 155,000 | $ 78,000 |
| Franklin County Ohio | 14 | $ 12,574,000 | $ 898,000 | $ 54,000 |
| Collier County Florida | 13 | $ 5,411,000 | $ 416,000 | $ 197,000 |
| Palm Beach County Florida | 12 | $ 2,985,000 | $ 248,000 | $ 107,000 |
| Iosco County Michigan | 12 | $ 1,281,000 | $ 106,000 | $ 79,000 |
| Montcalm County Michigan | 12 | $ 1,453,000 | $ 121,000 | $ 41,000 |
| Cheboygan County Michigan | 11 | $ 1,170,000 | $ 106,000 | $ 74,000 |
| St. Joseph County Michigan | 11 | $ 1,070,000 | $ 97,000 | $ 45,000 |
| Crawford County Michigan | 10 | $ 1,206,000 | $ 120,000 | $ 143,000 |
| Menominee County Michigan | 10 | $ 472,000 | $ 47,000 | $ 40,000 |
| Sanilac County Michigan | 10 | $ 1,420,000 | $ 142,000 | $ 77,000 |
| Rockingham County New Hampshire | 10 | $ 1,986,000 | $ 198,000 | $ 73,000 |
| Lucas County Ohio | 10 | $ 825,000 | $ 82,000 | $ 64,000 |
| Monroe County Florida | 9 | $ 6,175,000 | $ 686,000 | $ 203,000 |
| Bay County Michigan | 9 | $ 810,000 | $ 90,000 | $ 40,000 |
| Berrien County Michigan | 9 | $ 1,976,000 | $ 219,000 | $ 64,000 |
| Manatee County Florida | 8 | $ 1,765,000 | $ 220,000 | $ 77,000 |
| Cook County Illinois | 8 | $ 2,221,000 | $ 277,000 | $ 739,000 |
| Elkhart County Indiana | 8 | $ 943,000 | $ 117,000 | $ 72,000 |
| Tipton County Indiana | 8 | $ 946,000 | $ 118,000 | $ 51,000 |
| Mason County Michigan | 8 | $ 1,051,000 | $ 131,000 | $ 118,000 |
| Osceola County Michigan | 8 | $ 869,000 | $ 108,000 | $ 55,000 |
| Otsego County Michigan | 8 | $ 776,000 | $ 97,000 | $ 89,000 |
| Presque Isle County Michigan | 8 | $ 1,961,000 | $ 245,000 | $ 115,000 |
| Wexford County Michigan | 8 | $ 919,000 | $ 114,000 | $ 69,000 |
| Hillsborough County Florida | 7 | $ 1,014,000 | $ 144,000 | $ 74,000 |
| Sarasota County Florida | 7 | $ 1,380,000 | $ 197,000 | $ 70,000 |
| Brown County Indiana | 7 | $ 625,000 | $ 89,000 | $ 58,000 |
| Clare County Michigan | 7 | $ 710,000 | $ 101,000 | $ 177,000 |
| Lake County Michigan | 7 | $ 1,059,000 | $ 151,000 | $ 77,000 |
| Manistee County Michigan | 7 | $ 852,000 | $ 121,000 | $ 60,000 |
| Portage County Ohio | 7 | $ 1,352,000 | $ 193,000 | $ 78,000 |
| Maricopa County Arizona | 6 | $ 1,024,000 | $ 170,000 | $ 113,000 |
| Broward County Florida | 6 | $ 1,177,000 | $ 196,000 | $ 206,000 |
| Osceola County Florida | 6 | $ 1,201,000 | $ 200,000 | $ 152,000 |
| Boone County Indiana | 6 | $ 1,031,000 | $ 171,000 | $ 88,000 |
| Alcona County Michigan | 6 | $ 1,079,000 | $ 179,000 | $ 281,000 |
| Arenac County Michigan | 6 | $ 477,000 | $ 79,000 | $ 62,000 |
| Cass County Michigan | 6 | $ 811,000 | $ 135,000 | $ 73,000 |
| Montmorency County Michigan | 6 | $ 777,000 | $ 129,000 | $ 187,000 |
| Miami County Ohio | 6 | $ 748,000 | $ 124,000 | $ 66,000 |
| Campbell County Tennessee | 6 | $ 1,242,000 | $ 207,000 | $ 137,000 |
| Florence County Wisconsin | 6 | $ 539,000 | $ 89,000 | $ 95,000 |
| Iron County Wisconsin | 6 | $ 187,000 | $ 31,000 | $ 44,000 |
| Fairfield County Connecticut | 5 | $ 1,666,000 | $ 333,000 | $ 90,000 |
| Charlotte County Florida | 5 | $ 710,000 | $ 142,000 | $ 172,000 |
| Miami-Dade County Florida | 5 | $ 2,485,000 | $ 497,000 | $ 286,000 |
| Orange County Florida | 5 | $ 1,613,000 | $ 322,000 | $ 121,000 |
| Pasco County Florida | 5 | $ 602,000 | $ 120,000 | $ 75,000 |
| Pinellas County Florida | 5 | $ 959,000 | $ 191,000 | $ 115,000 |
| Miami County Indiana | 5 | $ 657,000 | $ 131,000 | $ 43,000 |
| Gratiot County Michigan | 5 | $ 339,000 | $ 67,000 | $ 52,000 |
| Huron County Michigan | 5 | $ 593,000 | $ 118,000 | $ 111,000 |
| Schoolcraft County Michigan | 5 | $ 305,000 | $ 61,000 | $ 36,000 |
| Clinton County Ohio | 5 | $ 731,000 | $ 146,000 | $ 59,000 |
| Hamilton County Ohio | 5 | $ 471,000 | $ 94,000 | $ 45,000 |
| Horry County South Carolina | 5 | $ 473,000 | $ 94,000 | $ 144,000 |
| Brevard County Florida | 4 | $ 388,000 | $ 97,000 | $ 46,000 |
| Escambia County Florida | 4 | $ 2,842,000 | $ 710,000 | $ 365,000 |
| Lake County Florida | 4 | $ 613,000 | $ 153,000 | $ 27,000 |
| Sumter County Florida | 4 | $ 819,000 | $ 204,000 | $ 37,000 |
| Plymouth County Massachusetts | 4 | $ 1,455,000 | $ 363,000 | $ 240,000 |
| Ogemaw County Michigan | 4 | $ 795,000 | $ 198,000 | $ 64,000 |
| Oscoda County Michigan | 4 | $ 403,000 | $ 100,000 | $ 107,000 |
| New Haven County Connecticut | 3 | $ 290,000 | $ 96,000 | $ 43,000 |
| Duval County Florida | 3 | $ 813,000 | $ 271,000 | $ 224,000 |
| St. Johns County Florida | 3 | $ 596,000 | $ 198,000 | $ 74,000 |
| Allen County Indiana | 3 | $ 437,000 | $ 145,000 | $ 80,000 |
| Cass County Indiana | 3 | $ 385,000 | $ 128,000 | $ 63,000 |
| Delaware County Indiana | 3 | $ 261,000 | $ 87,000 | $ 95,000 |
| Putnam County Indiana | 3 | $ 389,000 | $ 129,000 | $ 48,000 |
| Alpena County Michigan | 3 | $ 283,000 | $ 94,000 | $ 90,000 |
| Branch County Michigan | 3 | $ 312,000 | $ 104,000 | $ 53,000 |
| Midland County Michigan | 3 | $ 483,000 | $ 161,000 | $ 60,000 |
| Cheshire County New Hampshire | 3 | $ 398,000 | $ 132,000 | $ 39,000 |
| Preble County Ohio | 3 | $ 232,000 | $ 77,000 | $ 49,000 |
| Stark County Ohio | 3 | $ 297,000 | $ 99,000 | $ 74,000 |
| Wayne County Ohio | 3 | $ 398,000 | $ 132,000 | $ 73,000 |
| Pima County Arizona | 2 | $ 403,000 | $ 201,000 | $ 86,000 |
| Pinal County Arizona | 2 | $ 341,000 | $ 170,000 | $ 133,000 |
| Hartford County Connecticut | 2 | $ 414,000 | $ 207,000 | $ 70,000 |
| Indian River County Florida | 2 | $ 341,000 | $ 170,000 | $ 53,000 |
| St. Lucie County Florida | 2 | $ 533,000 | $ 266,000 | $ 41,000 |
| Volusia County Florida | 2 | $ 614,000 | $ 307,000 | $ 155,000 |
| McHenry County Illinois | 2 | $ 527,000 | $ 263,000 | $ 99,000 |
| St. Clair County Illinois | 2 | $ 722,000 | $ 361,000 | $ 137,000 |
| Decatur County Indiana | 2 | $ 337,000 | $ 168,000 | $ 57,000 |
| Lake County Indiana | 2 | $ 158,000 | $ 79,000 | $ 76,000 |
| Monroe County Indiana | 2 | $ 252,000 | $ 126,000 | $ 113,000 |
| Steuben County Indiana | 2 | $ 254,000 | $ 127,000 | $ 115,000 |
| Wabash County Indiana | 2 | $ 159,000 | $ 79,000 | $ 47,000 |
| Wayne County Indiana | 2 | $ 117,000 | $ 58,000 | $ 85,000 |
| York County Maine | 2 | $ 305,000 | $ 152,000 | $ 40,000 |
| Missaukee County Michigan | 2 | $ 204,000 | $ 102,000 | $ 74,000 |
| Belknap County New Hampshire | 2 | $ 416,000 | $ 208,000 | $ 82,000 |
| Mecklenburg County North Carolina | 2 | $ 594,000 | $ 297,000 | $ 116,000 |
| Delaware County Ohio | 2 | $ 1,537,000 | $ 768,000 | $ 75,000 |
| Erie County Ohio | 2 | $ 234,000 | $ 117,000 | $ 52,000 |
| Mahoning County Ohio | 2 | $ 566,000 | $ 283,000 | $ 17,000 |
| Morrow County Ohio | 2 | $ 249,000 | $ 124,000 | $ 108,000 |
| Wood County Ohio | 2 | $ 425,000 | $ 212,000 | $ 69,000 |
| Providence County Rhode Island | 2 | $ 203,000 | $ 101,000 | $ 51,000 |
| Sevier County Tennessee | 2 | $ 385,000 | $ 192,000 | $ 72,000 |
| Shelby County Tennessee | 2 | $ 517,000 | $ 258,000 | $ 190,000 |
| Bayfield County Wisconsin | 2 | $ 487,000 | $ 243,000 | $ 146,000 |
| Oneida County Wisconsin | 2 | $ 104,000 | $ 52,000 | $ 70,000 |
| Coosa County Alabama | 1 | $ 91,000 | $ 91,000 | $ 63,000 |
| Lauderdale County Alabama | 1 | $ 46,000 | $ 46,000 | $ 33,000 |
| Yavapai County Arizona | 1 | $ 248,000 | $ 248,000 | $ 69,000 |
| Eagle County Colorado | 1 | $ 329,000 | $ 329,000 | $ 1,153,000 |
| Larimer County Colorado | 1 | $ 111,000 | $ 111,000 | $ 38,000 |
| Routt County Colorado | 1 | $ 235,000 | $ 235,000 | $ 161,000 |
| Alachua County Florida | 1 | $ 112,000 | $ 112,000 | $ 35,000 |
| Citrus County Florida | 1 | $ 200,000 | $ 200,000 | $ 137,000 |
| Columbia County Florida | 1 | $ 149,000 | $ 149,000 | $ 45,000 |
| Flagler County Florida | 1 | $ 80,000 | $ 80,000 | $ 86,000 |
| Marion County Florida | 1 | $ 153,000 | $ 153,000 | $ 54,000 |
| Martin County Florida | 1 | $ 137,000 | $ 137,000 | $ 26,000 |
| Okaloosa County Florida | 1 | $ 440,000 | $ 440,000 | $ 190,000 |
| Polk County Florida | 1 | $ 126,000 | $ 126,000 | $ 78,000 |
| Seminole County Florida | 1 | $ 244,000 | $ 244,000 | $ 54,000 |
| DuPage County Illinois | 1 | $ 102,000 | $ 102,000 | $ 244,000 |
| Lake County Illinois | 1 | $ 500,000 | $ 500,000 | $ 134,000 |
| LaSalle County Illinois | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Carroll County Indiana | 1 | $ 136,000 | $ 136,000 | $ 59,000 |
| Grant County Indiana | 1 | $ 127,000 | $ 127,000 | $ 65,000 |
| Harrison County Indiana | 1 | $ 91,000 | $ 91,000 | $ 38,000 |
| Henry County Indiana | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Huntington County Indiana | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Kosciusko County Indiana | 1 | $ 34,000 | $ 34,000 | $ 81,000 |
| Montgomery County Indiana | 1 | $ 78,000 | $ 78,000 | $ 28,000 |
| Noble County Indiana | 1 | $ 153,000 | $ 153,000 | $ 63,000 |
| Porter County Indiana | 1 | $ 260,000 | $ 260,000 | $ 136,000 |
| Rush County Indiana | 1 | $ 112,000 | $ 112,000 | $ 34,000 |
| Spencer County Indiana | 1 | $ 184,000 | $ 184,000 | $ 123,000 |
| St. Joseph County Indiana | 1 | $ 82,000 | $ 82,000 | $ 63,000 |
| Wells County Indiana | 1 | $ 142,000 | $ 142,000 | $ 50,000 |
| White County Indiana | 1 | $ 81,000 | $ 81,000 | $ 29,000 |
| Whitley County Indiana | 1 | $ 172,000 | $ 172,000 | $ 32,000 |
| Sioux County Iowa | 1 | $ 10,000 | $ 10,000 | $ 93,000 |
| Bullitt County Kentucky | 1 | $ 149,000 | $ 149,000 | $ 52,000 |
| Jessamine County Kentucky | 1 | $ 196,000 | $ 196,000 | $ 101,000 |
| Barnstable County Massachusetts | 1 | $ 250,000 | $ 250,000 | $ 29,000 |
| Norfolk County Massachusetts | 1 | $ 350,000 | $ 350,000 | $ 58,000 |
| Suffolk County Massachusetts | 1 | $ 552,000 | $ 552,000 | $ 205,000 |
| Isabella County Michigan | 1 | $ 73,000 | $ 73,000 | $ 95,000 |
| Luce County Michigan | 1 | $ 13,000 | $ 13,000 | $ 40,000 |
| Jackson County Mississippi | 1 | $ 336,000 | $ 336,000 | $ 85,000 |
| Morgan County Missouri | 1 | $ 183,000 | $ 183,000 | $ 84,000 |
| Merrimack County New Hampshire | 1 | $ 176,000 | $ 176,000 | $ 79,000 |
| Strafford County New Hampshire | 1 | $ 181,000 | $ 181,000 | $ 117,000 |
| Cumberland County North Carolina | 1 | $ 107,000 | $ 107,000 | $ 29,000 |
| Harnett County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 62,000 |
| Champaign County Ohio | 1 | $ 167,000 | $ 167,000 | $ 102,000 |
| Clermont County Ohio | 1 | $ 127,000 | $ 127,000 | $ 128,000 |
| Columbiana County Ohio | 1 | $ 353,000 | $ 353,000 | $ 508,000 |
| Darke County Ohio | 1 | $ 271,000 | $ 271,000 | $ 92,000 |
| Fulton County Ohio | 1 | $ 119,000 | $ 119,000 | $ 189,000 |
| Licking County Ohio | 1 | $ 488,000 | $ 488,000 | $ 94,000 |
| Mercer County Ohio | 1 | $ 268,000 | $ 268,000 | $ 67,000 |
| Seneca County Ohio | 1 | $ 45,000 | $ 45,000 | $ 123,000 |
| Allegheny County Pennsylvania | 1 | $ 142,000 | $ 142,000 | $ 68,000 |
| Beaufort County South Carolina | 1 | $ 534,000 | $ 534,000 | $ 255,000 |
| Blount County Tennessee | 1 | $ 292,000 | $ 292,000 | $ 101,000 |
| Claiborne County Tennessee | 1 | $ 221,000 | $ 221,000 | $ 139,000 |
| Davidson County Tennessee | 1 | $ 67,000 | $ 67,000 | $ 95,000 |
| Hamilton County Tennessee | 1 | $ 151,000 | $ 151,000 | $ 94,000 |
| Rutherford County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 60,000 |
| Fairfax County Virginia | 1 | $ 116,000 | $ 116,000 | $ 102,000 |
| Brown County Wisconsin | 1 | $ 202,000 | $ 202,000 | $ 85,000 |
| Dane County Wisconsin | 1 | $ 164,000 | $ 164,000 | $ 48,000 |
| Kenosha County Wisconsin | 1 | $ 288,000 | $ 288,000 | $ 65,000 |
| Milwaukee County Wisconsin | 1 | $ 550,000 | $ 550,000 | $ 235,000 |
Mortgage Loan Application Detail Totals for Republic Bank in 2005
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 | 9,575 | $1,397,214,000 | $187,545 | $19,000,000 | $113,454 | $5,004,000 |
| Refinancing | 5,474 | $829,774,000 | $183,733 | $9,450,000 | $130,133 | $2,958,000 |
| Home Improvement | 366 | $19,914,000 | $55,500 | $680,000 | $69,666 | $513,000 |
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 | 13,657 | $1,937,979,000 | $169,833 | $2,500,000 | $115,541 | $5,004,000 |
| Black or African American | 711 | $98,054,000 | $154,166 | $2,800,000 | $73,666 | $700,000 |
| Hispanic | 352 | $43,586,000 | $153,875 | $420,000 | $67,000 | $789,000 |
| Not Provided | 352 | $41,347,000 | $350,857 | $1,360,000 | $75,428 | $1,166,000 |
| Asian | 212 | $40,083,000 | $266,375 | $914,000 | $92,625 | $457,000 |
| American Indian or Alaskan Native | 56 | $9,266,000 | $151,400 | $623,000 | $53,400 | $192,000 |
| Not applicable | 53 | $73,084,000 | $1,364,666 | $19,000,000 | $37,666 | $113,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $3,503,000 | $175,000 | $1,100,000 | $74,000 | $418,000 |
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) | 13,350 | $1,992,723,000 | $172,875 | $19,000,000 | $113,541 | $5,004,000 |
| FHA-insured (Federal Housing Administration) | 1,814 | $221,337,000 | $149,833 | $394,000 | $48,166 | $290,000 |
| VA-guaranteed (Veterans Administration) | 175 | $25,607,000 | $150,750 | $320,000 | $55,000 | $171,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 76 | $7,235,000 | $88,000 | $203,000 | $34,500 | $74,000 |
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 | 10,995 | $1,617,001,000 | $184,454 | $19,000,000 | $135,909 | $5,004,000 |
| Application Withdrawn By Applicant | 2,067 | $294,492,000 | $197,454 | $1,600,000 | $69,636 | $1,368,000 |
| Application Denied By Financial Institution | 1,226 | $178,503,000 | $189,727 | $2,500,000 | $90,909 | $600,000 |
| Preapproval Denied by Financial Institution | 637 | $85,305,000 | $133,000 | $600,000 | $51,000 | $342,000 |
| File Closed For Incompleteness | 311 | $43,797,000 | $130,500 | $600,000 | $49,700 | $396,000 |
| Application Approved But Not Accepted | 168 | $26,400,000 | $183,000 | $825,000 | $111,200 | $1,020,000 |
| Loan Purchased By The Institution | 11 | $1,404,000 | $145,000 | $248,000 | $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 | 1,419 | $212,372,000 | $196,818 | $1,800,000 | $91,272 | $600,000 |
| Credit History | 170 | $17,175,000 | $117,200 | $1,300,000 | $48,200 | $592,000 |
| Debt-To-Income Ratio | 124 | $13,062,000 | $136,142 | $694,000 | $51,000 | $230,000 |
| Collateral | 64 | $8,767,000 | $169,400 | $950,000 | $102,200 | $290,000 |
| Other | 44 | $7,354,000 | $144,600 | $2,500,000 | $50,400 | $137,000 |
| Employment History | 16 | $1,903,000 | $105,000 | $675,000 | $51,500 | $396,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $1,149,000 | $75,000 | $207,000 | $15,500 | $68,000 |
| Unverifiable Information | 11 | $1,941,000 | $176,000 | $788,000 | $42,000 | $113,000 |
| Mortgage Insurance Denied | 1 | $85,000 | $85,000 | $85,000 | $34,000 | $34,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank's 2005 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.
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with aggregated HMDA statistics today.