Republic Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Republic Bank 2006 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 | 11,344 |
| Total Mortgage Loan Application Amount | $1,567,403,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $12,215,000 |
| Average Applicant Income | $71,333 |
| Highest Applicant Income | $2,559,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Genesee County Michigan | 849 | $ 112,501,000 | $ 132,000 | $ 71,000 |
| Oakland County Michigan | 825 | $ 169,172,000 | $ 205,000 | $ 107,000 |
| Wayne County Michigan | 803 | $ 105,244,000 | $ 131,000 | $ 70,000 |
| Muskegon County Michigan | 669 | $ 66,056,000 | $ 98,000 | $ 61,000 |
| Marion County Indiana | 591 | $ 70,960,000 | $ 120,000 | $ 50,000 |
| Ottawa County Michigan | 570 | $ 64,883,000 | $ 113,000 | $ 72,000 |
| Macomb County Michigan | 480 | $ 67,895,000 | $ 141,000 | $ 70,000 |
| Livingston County Michigan | 421 | $ 58,453,000 | $ 138,000 | $ 81,000 |
| Washtenaw County Michigan | 406 | $ 76,729,000 | $ 188,000 | $ 102,000 |
| Hamilton County Indiana | 381 | $ 49,875,000 | $ 130,000 | $ 62,000 |
| Kent County Michigan | 242 | $ 43,447,000 | $ 179,000 | $ 72,000 |
| Ingham County Michigan | 213 | $ 24,662,000 | $ 115,000 | $ 74,000 |
| Hendricks County Indiana | 195 | $ 26,425,000 | $ 135,000 | $ 66,000 |
| Jackson County Michigan | 191 | $ 20,724,000 | $ 108,000 | $ 81,000 |
| Montgomery County Ohio | 186 | $ 20,594,000 | $ 110,000 | $ 63,000 |
| Grand Traverse County Michigan | 176 | $ 29,165,000 | $ 165,000 | $ 88,000 |
| Johnson County Indiana | 173 | $ 20,217,000 | $ 116,000 | $ 49,000 |
| Howard County Indiana | 172 | $ 18,355,000 | $ 106,000 | $ 59,000 |
| Hancock County Indiana | 156 | $ 20,663,000 | $ 132,000 | $ 66,000 |
| Shiawassee County Michigan | 156 | $ 16,704,000 | $ 107,000 | $ 60,000 |
| Cuyahoga County Ohio | 156 | $ 25,790,000 | $ 165,000 | $ 72,000 |
| Allegan County Michigan | 153 | $ 22,164,000 | $ 144,000 | $ 70,000 |
| Tippecanoe County Indiana | 123 | $ 14,063,000 | $ 114,000 | $ 47,000 |
| Kalamazoo County Michigan | 123 | $ 17,880,000 | $ 145,000 | $ 69,000 |
| Marquette County Michigan | 123 | $ 9,651,000 | $ 78,000 | $ 56,000 |
| Greene County Ohio | 112 | $ 14,768,000 | $ 131,000 | $ 76,000 |
| Warren County Ohio | 101 | $ 14,583,000 | $ 144,000 | $ 73,000 |
| Morgan County Indiana | 91 | $ 10,953,000 | $ 120,000 | $ 48,000 |
| Houghton County Michigan | 89 | $ 6,169,000 | $ 69,000 | $ 67,000 |
| Lake County Ohio | 84 | $ 10,334,000 | $ 123,000 | $ 59,000 |
| Iron County Michigan | 81 | $ 4,844,000 | $ 59,000 | $ 58,000 |
| Middlesex County Massachusetts | 71 | $ 14,407,000 | $ 202,000 | $ 57,000 |
| Lapeer County Michigan | 69 | $ 10,595,000 | $ 153,000 | $ 86,000 |
| Newaygo County Michigan | 59 | $ 5,946,000 | $ 100,000 | $ 54,000 |
| Medina County Ohio | 59 | $ 11,145,000 | $ 188,000 | $ 79,000 |
| Emmet County Michigan | 49 | $ 10,771,000 | $ 219,000 | $ 92,000 |
| Monroe County Michigan | 45 | $ 6,135,000 | $ 136,000 | $ 63,000 |
| Geauga County Ohio | 44 | $ 5,977,000 | $ 135,000 | $ 83,000 |
| Madison County Indiana | 42 | $ 5,076,000 | $ 120,000 | $ 46,000 |
| Clinton County Michigan | 42 | $ 5,606,000 | $ 133,000 | $ 77,000 |
| St. Clair County Michigan | 41 | $ 7,444,000 | $ 181,000 | $ 63,000 |
| Alger County Michigan | 40 | $ 2,332,000 | $ 58,000 | $ 57,000 |
| Dickinson County Michigan | 39 | $ 2,024,000 | $ 51,000 | $ 42,000 |
| Gogebic County Michigan | 38 | $ 1,388,000 | $ 36,000 | $ 50,000 |
| Summit County Ohio | 36 | $ 7,909,000 | $ 219,000 | $ 85,000 |
| Eaton County Michigan | 35 | $ 7,153,000 | $ 204,000 | $ 76,000 |
| Leelanau County Michigan | 35 | $ 8,227,000 | $ 235,000 | $ 180,000 |
| Chippewa County Michigan | 32 | $ 2,314,000 | $ 72,000 | $ 53,000 |
| Charlevoix County Michigan | 31 | $ 5,336,000 | $ 172,000 | $ 109,000 |
| Benzie County Michigan | 28 | $ 3,240,000 | $ 115,000 | $ 81,000 |
| Calhoun County Michigan | 28 | $ 3,561,000 | $ 127,000 | $ 94,000 |
| Van Buren County Michigan | 28 | $ 3,796,000 | $ 135,000 | $ 61,000 |
| Ottawa County Ohio | 28 | $ 5,447,000 | $ 194,000 | $ 145,000 |
| Saginaw County Michigan | 27 | $ 2,549,000 | $ 94,000 | $ 51,000 |
| Antrim County Michigan | 24 | $ 4,208,000 | $ 175,000 | $ 98,000 |
| Baraga County Michigan | 23 | $ 1,339,000 | $ 58,000 | $ 60,000 |
| Lorain County Ohio | 22 | $ 3,087,000 | $ 140,000 | $ 82,000 |
| Barry County Michigan | 19 | $ 2,505,000 | $ 131,000 | $ 62,000 |
| Oceana County Michigan | 19 | $ 2,530,000 | $ 133,000 | $ 59,000 |
| Cheboygan County Michigan | 17 | $ 2,040,000 | $ 120,000 | $ 68,000 |
| Lenawee County Michigan | 17 | $ 1,925,000 | $ 113,000 | $ 54,000 |
| Clark County Ohio | 17 | $ 2,140,000 | $ 125,000 | $ 86,000 |
| Shelby County Indiana | 16 | $ 1,545,000 | $ 96,000 | $ 41,000 |
| Collier County Florida | 15 | $ 7,717,000 | $ 514,000 | $ 153,000 |
| Crawford County Michigan | 15 | $ 1,466,000 | $ 97,000 | $ 48,000 |
| Hillsdale County Michigan | 14 | $ 1,521,000 | $ 108,000 | $ 67,000 |
| Roscommon County Michigan | 14 | $ 1,402,000 | $ 100,000 | $ 105,000 |
| Clare County Michigan | 13 | $ 1,061,000 | $ 81,000 | $ 77,000 |
| Keweenaw County Michigan | 13 | $ 749,000 | $ 57,000 | $ 81,000 |
| Manistee County Michigan | 13 | $ 2,243,000 | $ 172,000 | $ 119,000 |
| Ontonagon County Michigan | 13 | $ 844,000 | $ 64,000 | $ 63,000 |
| Ashtabula County Ohio | 13 | $ 1,583,000 | $ 121,000 | $ 57,000 |
| Elkhart County Indiana | 12 | $ 1,019,000 | $ 84,000 | $ 50,000 |
| Delta County Michigan | 12 | $ 918,000 | $ 76,000 | $ 77,000 |
| Iron County Wisconsin | 12 | $ 984,000 | $ 82,000 | $ 62,000 |
| Franklin County Ohio | 11 | $ 6,791,000 | $ 617,000 | $ 108,000 |
| Miami County Ohio | 11 | $ 1,753,000 | $ 159,000 | $ 88,000 |
| Lee County Florida | 10 | $ 3,036,000 | $ 303,000 | $ 175,000 |
| Worcester County Massachusetts | 10 | $ 1,919,000 | $ 191,000 | $ 87,000 |
| Alcona County Michigan | 10 | $ 857,000 | $ 85,000 | $ 87,000 |
| Montcalm County Michigan | 10 | $ 1,130,000 | $ 113,000 | $ 71,000 |
| Cook County Illinois | 9 | $ 1,923,000 | $ 213,000 | $ 109,000 |
| Lake County Michigan | 9 | $ 885,000 | $ 98,000 | $ 78,000 |
| Mecosta County Michigan | 9 | $ 901,000 | $ 100,000 | $ 74,000 |
| Sanilac County Michigan | 9 | $ 1,208,000 | $ 134,000 | $ 64,000 |
| Kalkaska County Michigan | 8 | $ 1,064,000 | $ 133,000 | $ 43,000 |
| Mackinac County Michigan | 8 | $ 2,978,000 | $ 372,000 | $ 137,000 |
| Tuscola County Michigan | 8 | $ 1,021,000 | $ 127,000 | $ 44,000 |
| Essex County Massachusetts | 7 | $ 1,636,000 | $ 233,000 | $ 66,000 |
| Rockingham County New Hampshire | 7 | $ 1,247,000 | $ 178,000 | $ 72,000 |
| Portage County Ohio | 7 | $ 562,000 | $ 80,000 | $ 52,000 |
| Gladwin County Michigan | 6 | $ 998,000 | $ 166,000 | $ 95,000 |
| Menominee County Michigan | 6 | $ 347,000 | $ 57,000 | $ 68,000 |
| Otsego County Michigan | 6 | $ 544,000 | $ 90,000 | $ 63,000 |
| Hillsborough County New Hampshire | 6 | $ 917,000 | $ 152,000 | $ 77,000 |
| Butler County Ohio | 6 | $ 971,000 | $ 161,000 | $ 91,000 |
| Erie County Ohio | 6 | $ 656,000 | $ 109,000 | $ 61,000 |
| Hillsborough County Florida | 5 | $ 1,209,000 | $ 241,000 | $ 160,000 |
| Orange County Florida | 5 | $ 1,683,000 | $ 336,000 | $ 151,000 |
| Sarasota County Florida | 5 | $ 1,274,000 | $ 254,000 | $ 118,000 |
| St. Lucie County Florida | 5 | $ 929,000 | $ 185,000 | $ 150,000 |
| Miami County Indiana | 5 | $ 493,000 | $ 98,000 | $ 59,000 |
| Arenac County Michigan | 5 | $ 604,000 | $ 120,000 | $ 71,000 |
| Berrien County Michigan | 5 | $ 817,000 | $ 163,000 | $ 73,000 |
| Ogemaw County Michigan | 5 | $ 889,000 | $ 177,000 | $ 97,000 |
| Hamilton County Ohio | 5 | $ 610,000 | $ 122,000 | $ 74,000 |
| Carroll County Indiana | 4 | $ 334,000 | $ 83,000 | $ 49,000 |
| Delaware County Indiana | 4 | $ 317,000 | $ 79,000 | $ 33,000 |
| Henry County Indiana | 4 | $ 439,000 | $ 109,000 | $ 37,000 |
| Lake County Indiana | 4 | $ 739,000 | $ 184,000 | $ 134,000 |
| Gratiot County Michigan | 4 | $ 328,000 | $ 82,000 | $ 37,000 |
| Ionia County Michigan | 4 | $ 359,000 | $ 89,000 | $ 67,000 |
| Iosco County Michigan | 4 | $ 557,000 | $ 139,000 | $ 40,000 |
| Clermont County Ohio | 4 | $ 742,000 | $ 185,000 | $ 82,000 |
| Delaware County Ohio | 4 | $ 1,203,000 | $ 300,000 | $ 102,000 |
| Florence County Wisconsin | 4 | $ 309,000 | $ 77,000 | $ 69,000 |
| Maricopa County Arizona | 3 | $ 637,000 | $ 212,000 | $ 165,000 |
| Pasco County Florida | 3 | $ 315,000 | $ 105,000 | $ 60,000 |
| Lake County Illinois | 3 | $ 741,000 | $ 247,000 | $ 81,000 |
| Grant County Indiana | 3 | $ 364,000 | $ 121,000 | $ 59,000 |
| St. Joseph County Indiana | 3 | $ 566,000 | $ 188,000 | $ 54,000 |
| Norfolk County Massachusetts | 3 | $ 596,000 | $ 198,000 | $ 131,000 |
| Bay County Michigan | 3 | $ 241,000 | $ 80,000 | $ 38,000 |
| Branch County Michigan | 3 | $ 299,000 | $ 99,000 | $ 22,000 |
| Isabella County Michigan | 3 | $ 271,000 | $ 90,000 | $ 46,000 |
| Schoolcraft County Michigan | 3 | $ 178,000 | $ 59,000 | $ 45,000 |
| St. Joseph County Michigan | 3 | $ 185,000 | $ 61,000 | $ 64,000 |
| Wexford County Michigan | 3 | $ 334,000 | $ 111,000 | $ 88,000 |
| Licking County Ohio | 3 | $ 668,000 | $ 222,000 | $ 96,000 |
| Preble County Ohio | 3 | $ 385,000 | $ 128,000 | $ 57,000 |
| Monroe County Florida | 2 | $ 1,043,000 | $ 521,000 | $ 141,000 |
| Palm Beach County Florida | 2 | $ 359,000 | $ 179,000 | $ 42,000 |
| Taylor County Florida | 2 | $ 75,000 | $ 37,000 | $ 42,000 |
| Monroe County Illinois | 2 | $ 258,000 | $ 129,000 | $ 51,000 |
| St. Clair County Illinois | 2 | $ 977,000 | $ 488,000 | $ 184,000 |
| Allen County Indiana | 2 | $ 413,000 | $ 206,000 | $ 71,000 |
| Cass County Indiana | 2 | $ 210,000 | $ 105,000 | $ 45,000 |
| Porter County Indiana | 2 | $ 571,000 | $ 285,000 | $ 176,000 |
| Vigo County Indiana | 2 | $ 170,000 | $ 85,000 | $ 20,000 |
| Whitley County Indiana | 2 | $ 212,000 | $ 106,000 | $ 48,000 |
| Hampden County Massachusetts | 2 | $ 394,000 | $ 197,000 | $ 73,000 |
| Alpena County Michigan | 2 | $ 174,000 | $ 87,000 | $ 93,000 |
| Huron County Michigan | 2 | $ 310,000 | $ 155,000 | $ 103,000 |
| Mason County Michigan | 2 | $ 239,000 | $ 119,000 | $ 68,000 |
| Midland County Michigan | 2 | $ 144,000 | $ 72,000 | $ 48,000 |
| Missaukee County Michigan | 2 | $ 247,000 | $ 123,000 | $ 58,000 |
| Osceola County Michigan | 2 | $ 334,000 | $ 167,000 | $ 130,000 |
| Ashland County Ohio | 2 | $ 200,000 | $ 100,000 | $ 58,000 |
| Champaign County Ohio | 2 | $ 296,000 | $ 148,000 | $ 72,000 |
| Clinton County Ohio | 2 | $ 127,000 | $ 63,000 | $ 50,000 |
| Darke County Ohio | 2 | $ 358,000 | $ 179,000 | $ 136,000 |
| Huron County Ohio | 2 | $ 594,000 | $ 297,000 | $ 339,000 |
| Knox County Ohio | 2 | $ 546,000 | $ 273,000 | $ 294,000 |
| Trumbull County Ohio | 2 | $ 666,000 | $ 333,000 | $ 26,000 |
| Wayne County Ohio | 2 | $ 317,000 | $ 158,000 | $ 61,000 |
| Campbell County Tennessee | 2 | $ 459,000 | $ 229,000 | $ 177,000 |
| Marinette County Wisconsin | 2 | $ 79,000 | $ 39,000 | $ 36,000 |
| Mohave County Arizona | 1 | $ 97,000 | $ 97,000 | $ 52,000 |
| Pima County Arizona | 1 | $ 150,000 | $ 150,000 | $ 92,000 |
| Yavapai County Arizona | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Bay County Florida | 1 | $ 366,000 | $ 366,000 | $ 0 |
| Brevard County Florida | 1 | $ 230,000 | $ 230,000 | $ 102,000 |
| Broward County Florida | 1 | $ 195,000 | $ 195,000 | $ 44,000 |
| Lake County Florida | 1 | $ 450,000 | $ 450,000 | $ 137,000 |
| Leon County Florida | 1 | $ 300,000 | $ 300,000 | $ 106,000 |
| Marion County Florida | 1 | $ 191,000 | $ 191,000 | $ 57,000 |
| Miami-Dade County Florida | 1 | $ 167,000 | $ 167,000 | $ 54,000 |
| Pinellas County Florida | 1 | $ 292,000 | $ 292,000 | $ 119,000 |
| Polk County Florida | 1 | $ 59,000 | $ 59,000 | $ 77,000 |
| St. Johns County Florida | 1 | $ 111,000 | $ 111,000 | $ 65,000 |
| Sumter County Florida | 1 | $ 109,000 | $ 109,000 | $ 63,000 |
| Walton County Florida | 1 | $ 462,000 | $ 462,000 | $ 0 |
| Grundy County Illinois | 1 | $ 430,000 | $ 430,000 | $ 198,000 |
| Winnebago County Illinois | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
| Bartholomew County Indiana | 1 | $ 119,000 | $ 119,000 | $ 56,000 |
| Boone County Indiana | 1 | $ 160,000 | $ 160,000 | $ 58,000 |
| Brown County Indiana | 1 | $ 98,000 | $ 98,000 | $ 36,000 |
| Clay County Indiana | 1 | $ 108,000 | $ 108,000 | $ 42,000 |
| Clinton County Indiana | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Monroe County Indiana | 1 | $ 935,000 | $ 935,000 | $ 0 |
| Rush County Indiana | 1 | $ 178,000 | $ 178,000 | $ 49,000 |
| Tipton County Indiana | 1 | $ 63,000 | $ 63,000 | $ 22,000 |
| Vanderburgh County Indiana | 1 | $ 126,000 | $ 126,000 | $ 45,000 |
| White County Indiana | 1 | $ 49,000 | $ 49,000 | $ 67,000 |
| Powell County Kentucky | 1 | $ 120,000 | $ 120,000 | $ 55,000 |
| Rockcastle County Kentucky | 1 | $ 194,000 | $ 194,000 | $ 66,000 |
| Orleans County Louisiana | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| York County Maine | 1 | $ 138,000 | $ 138,000 | $ 63,000 |
| Cass County Michigan | 1 | $ 87,000 | $ 87,000 | $ 45,000 |
| Luce County Michigan | 1 | $ 24,000 | $ 24,000 | $ 29,000 |
| Oscoda County Michigan | 1 | $ 25,000 | $ 25,000 | $ 68,000 |
| Park County Montana | 1 | $ 138,000 | $ 138,000 | $ 65,000 |
| Cheshire County New Hampshire | 1 | $ 80,000 | $ 80,000 | $ 22,000 |
| Buncombe County North Carolina | 1 | $ 216,000 | $ 216,000 | $ 207,000 |
| Rowan County North Carolina | 1 | $ 1,275,000 | $ 1,275,000 | $ 2,559,000 |
| Wake County North Carolina | 1 | $ 366,000 | $ 366,000 | $ 110,000 |
| Defiance County Ohio | 1 | $ 167,000 | $ 167,000 | $ 30,000 |
| Holmes County Ohio | 1 | $ 78,000 | $ 78,000 | $ 246,000 |
| Logan County Ohio | 1 | $ 209,000 | $ 209,000 | $ 66,000 |
| Lucas County Ohio | 1 | $ 70,000 | $ 70,000 | $ 217,000 |
| Marion County Ohio | 1 | $ 203,000 | $ 203,000 | $ 150,000 |
| Morrow County Ohio | 1 | $ 252,000 | $ 252,000 | $ 110,000 |
| Stark County Ohio | 1 | $ 770,000 | $ 770,000 | $ 286,000 |
| Tuscarawas County Ohio | 1 | $ 90,000 | $ 90,000 | $ 50,000 |
| Van Wert County Ohio | 1 | $ 91,000 | $ 91,000 | $ 79,000 |
| Wood County Ohio | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Montgomery County Pennsylvania | 1 | $ 2,280,000 | $ 2,280,000 | $ 700,000 |
| Beaufort County South Carolina | 1 | $ 192,000 | $ 192,000 | $ 138,000 |
| Horry County South Carolina | 1 | $ 182,000 | $ 182,000 | $ 94,000 |
| Claiborne County Tennessee | 1 | $ 270,000 | $ 270,000 | $ 94,000 |
| Cumberland County Tennessee | 1 | $ 134,000 | $ 134,000 | $ 125,000 |
| Rutherford County Tennessee | 1 | $ 68,000 | $ 68,000 | $ 93,000 |
| Sevier County Tennessee | 1 | $ 66,000 | $ 66,000 | $ 101,000 |
| Smith County Tennessee | 1 | $ 114,000 | $ 114,000 | $ 67,000 |
| Williamson County Tennessee | 1 | $ 411,000 | $ 411,000 | $ 145,000 |
| Washington County Virginia | 1 | $ 140,000 | $ 140,000 | $ 89,000 |
| Clallam County Washington | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Milwaukee County Wisconsin | 1 | $ 121,000 | $ 121,000 | $ 104,000 |
| Oneida County Wisconsin | 1 | $ 126,000 | $ 126,000 | $ 45,000 |
| Outagamie County Wisconsin | 1 | $ 332,000 | $ 332,000 | $ 107,000 |
| Sawyer County Wisconsin | 1 | $ 112,000 | $ 112,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for Republic Bank in 2006
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 | 6,922 | $997,224,000 | $144,000 | $12,215,000 | $70,000 | $2,559,000 |
| Refinancing | 4,015 | $547,323,000 | $136,000 | $5,000,000 | $77,000 | $1,000,000 |
| Home Improvement | 407 | $22,856,000 | $56,000 | $3,800,000 | $67,000 | $396,000 |
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 | 9,880 | $1,338,027,000 | $135,000 | $3,300,000 | $73,000 | $2,559,000 |
| Black or African American | 685 | $88,419,000 | $129,000 | $900,000 | $60,000 | $1,000,000 |
| Hispanic | 276 | $32,910,000 | $119,000 | $576,000 | $50,000 | $175,000 |
| Not Provided | 259 | $26,882,000 | $103,000 | $1,101,000 | $86,000 | $1,000,000 |
| Asian | 152 | $28,467,000 | $187,000 | $1,524,000 | $89,000 | $922,000 |
| American Indian or Alaskan Native | 47 | $9,130,000 | $194,000 | $873,000 | $105,000 | $540,000 |
| Not applicable | 26 | $40,564,000 | $1,560,000 | $12,215,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 19 | $3,004,000 | $158,000 | $668,000 | $70,000 | $148,000 |
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) | 9,584 | $1,344,184,000 | $140,000 | $12,215,000 | $77,000 | $2,559,000 |
| FHA-insured (Federal Housing Administration) | 1,565 | $196,437,000 | $125,000 | $345,000 | $47,000 | $305,000 |
| VA-guaranteed (Veterans Administration) | 154 | $22,189,000 | $144,000 | $278,000 | $60,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $4,593,000 | $112,000 | $175,000 | $40,000 | $75,000 |
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 | 7,646 | $1,024,744,000 | $134,000 | $5,000,000 | $75,000 | $2,559,000 |
| Application Withdrawn By Applicant | 1,933 | $273,557,000 | $141,000 | $3,250,000 | $69,000 | $1,395,000 |
| Application Denied By Financial Institution | 885 | $147,005,000 | $166,000 | $12,215,000 | $68,000 | $1,010,000 |
| Preapproval Denied by Financial Institution | 550 | $74,215,000 | $134,000 | $760,000 | $56,000 | $305,000 |
| File Closed For Incompleteness | 207 | $30,326,000 | $146,000 | $1,856,000 | $75,000 | $2,051,000 |
| Application Approved But Not Accepted | 118 | $16,998,000 | $144,000 | $750,000 | $90,000 | $1,000,000 |
| Loan Purchased By The Institution | 5 | $558,000 | $111,000 | $210,000 | $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 | 1,061 | $165,589,000 | $156,000 | $1,480,000 | $67,000 | $1,010,000 |
| Credit History | 162 | $15,761,000 | $97,000 | $500,000 | $50,000 | $234,000 |
| Debt-To-Income Ratio | 90 | $8,652,000 | $96,000 | $410,000 | $49,000 | $162,000 |
| Collateral | 72 | $20,861,000 | $289,000 | $12,215,000 | $69,000 | $288,000 |
| Other | 25 | $6,573,000 | $262,000 | $3,300,000 | $43,000 | $240,000 |
| Employment History | 14 | $2,357,000 | $168,000 | $760,000 | $58,000 | $305,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $675,000 | $112,000 | $388,000 | $58,000 | $144,000 |
| Unverifiable Information | 4 | $595,000 | $148,000 | $228,000 | $62,000 | $72,000 |
| Mortgage Insurance Denied | 1 | $157,000 | $157,000 | $157,000 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank's 2006 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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