Republic Bank & Trust Company 2018 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 & Trust Company 601 W Market St Louisville, KY 40202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,988 |
| Total Mortgage Loan Application Amount | $845,240,000 |
| Average Mortgage Loan Application Amount | $135,333 |
| Highest Mortgage Loan Application Amount | $7,005,000 |
| Average Applicant Income | $102,333 |
| Highest Applicant Income | $8,635,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Republic Bank & Trust Company. 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 & Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Republic Bank & Trust Company'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 & Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Republic Bank & Trust Company, 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 & Trust Company's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson County Kentucky | 2,298 | $ 351,630,000 | $ 153,000 | $ 118,000 |
| Fayette County Kentucky | 396 | $ 78,590,000 | $ 198,000 | $ 111,000 |
| Bullitt County Kentucky | 183 | $ 22,355,000 | $ 122,000 | $ 75,000 |
| Oldham County Kentucky | 178 | $ 37,290,000 | $ 209,000 | $ 181,000 |
| Clark County Indiana | 174 | $ 19,320,000 | $ 111,000 | $ 76,000 |
| Daviess County Kentucky | 160 | $ 15,960,000 | $ 99,000 | $ 90,000 |
| Pinellas County Florida | 156 | $ 29,350,000 | $ 188,000 | $ 150,000 |
| Floyd County Indiana | 128 | $ 18,020,000 | $ 140,000 | $ 93,000 |
| Davidson County Tennessee | 121 | $ 26,035,000 | $ 215,000 | $ 144,000 |
| Shelby County Kentucky | 112 | $ 14,920,000 | $ 133,000 | $ 108,000 |
| Hamilton County Ohio | 79 | $ 23,015,000 | $ 291,000 | $ 82,000 |
| Williamson County Tennessee | 73 | $ 14,485,000 | $ 198,000 | $ 150,000 |
| Hillsborough County Florida | 63 | $ 14,165,000 | $ 224,000 | $ 167,000 |
| Boone County Kentucky | 62 | $ 10,370,000 | $ 167,000 | $ 149,000 |
| Hardin County Kentucky | 60 | $ 6,920,000 | $ 115,000 | $ 116,000 |
| Scott County Kentucky | 59 | $ 9,215,000 | $ 156,000 | $ 100,000 |
| Kenton County Kentucky | 58 | $ 7,690,000 | $ 132,000 | $ 126,000 |
| Franklin County Kentucky | 46 | $ 6,860,000 | $ 149,000 | $ 109,000 |
| Pasco County Florida | 41 | $ 5,425,000 | $ 132,000 | $ 102,000 |
| Spencer County Kentucky | 37 | $ 5,165,000 | $ 139,000 | $ 92,000 |
| Rutherford County Tennessee | 36 | $ 10,050,000 | $ 279,000 | $ 96,000 |
| Jessamine County Kentucky | 31 | $ 5,895,000 | $ 190,000 | $ 128,000 |
| Harrison County Indiana | 26 | $ 2,940,000 | $ 113,000 | $ 80,000 |
| Campbell County Kentucky | 20 | $ 4,020,000 | $ 201,000 | $ 147,000 |
| Nelson County Kentucky | 20 | $ 2,530,000 | $ 126,000 | $ 63,000 |
| Madison County Kentucky | 16 | $ 13,210,000 | $ 825,000 | $ 122,000 |
| Woodford County Kentucky | 15 | $ 2,285,000 | $ 152,000 | $ 80,000 |
| Clark County Kentucky | 13 | $ 1,885,000 | $ 145,000 | $ 77,000 |
| Henry County Kentucky | 13 | $ 2,215,000 | $ 170,000 | $ 168,000 |
| Shelby County Tennessee | 13 | $ 2,535,000 | $ 195,000 | $ 70,000 |
| Anderson County Kentucky | 10 | $ 1,090,000 | $ 109,000 | $ 57,000 |
| Manatee County Florida | 9 | $ 2,125,000 | $ 236,000 | $ 210,000 |
| Warren County Ohio | 9 | $ 1,065,000 | $ 118,000 | $ 180,000 |
| Sarasota County Florida | 8 | $ 1,020,000 | $ 127,000 | $ 143,000 |
| Harrison County Kentucky | 8 | $ 840,000 | $ 105,000 | $ 66,000 |
| Meade County Kentucky | 8 | $ 940,000 | $ 117,000 | $ 88,000 |
| Ohio County Kentucky | 8 | $ 440,000 | $ 55,000 | $ 67,000 |
| Maury County Tennessee | 8 | $ 1,800,000 | $ 225,000 | $ 90,000 |
| Wilson County Tennessee | 8 | $ 3,260,000 | $ 407,000 | $ 243,000 |
| Washington County Indiana | 7 | $ 875,000 | $ 125,000 | $ 75,000 |
| Lee County Florida | 6 | $ 1,920,000 | $ 320,000 | $ 239,000 |
| Garrard County Kentucky | 5 | $ 655,000 | $ 131,000 | $ 61,000 |
| Grant County Kentucky | 5 | $ 4,775,000 | $ 955,000 | $ 129,000 |
| Montgomery County Kentucky | 5 | $ 795,000 | $ 159,000 | $ 69,000 |
| Clermont County Ohio | 5 | $ 365,000 | $ 73,000 | $ 51,000 |
| Franklin County Ohio | 5 | $ 1,665,000 | $ 333,000 | $ 266,000 |
| Bedford County Tennessee | 5 | $ 1,315,000 | $ 263,000 | $ 99,000 |
| Sumner County Tennessee | 5 | $ 965,000 | $ 193,000 | $ 112,000 |
| Cook County Illinois | 4 | $ 1,240,000 | $ 310,000 | $ 283,000 |
| Scott County Indiana | 4 | $ 570,000 | $ 142,000 | $ 46,000 |
| Hancock County Kentucky | 4 | $ 280,000 | $ 70,000 | $ 108,000 |
| Montgomery County Ohio | 4 | $ 2,500,000 | $ 625,000 | $ 61,000 |
| Orange County Florida | 3 | $ 585,000 | $ 195,000 | $ 75,000 |
| Osceola County Florida | 3 | $ 555,000 | $ 185,000 | $ 72,000 |
| Vanderburgh County Indiana | 3 | $ 5,385,000 | $ 1,795,000 | $ 0 |
| Boyle County Kentucky | 3 | $ 245,000 | $ 81,000 | $ 127,000 |
| Breckinridge County Kentucky | 3 | $ 605,000 | $ 201,000 | $ 266,000 |
| Edmonson County Kentucky | 3 | $ 405,000 | $ 135,000 | $ 106,000 |
| Grayson County Kentucky | 3 | $ 465,000 | $ 155,000 | $ 82,000 |
| Owen County Kentucky | 3 | $ 655,000 | $ 218,000 | $ 223,000 |
| Pulaski County Kentucky | 3 | $ 385,000 | $ 128,000 | $ 86,000 |
| Russell County Kentucky | 3 | $ 675,000 | $ 225,000 | $ 175,000 |
| Warren County Kentucky | 3 | $ 395,000 | $ 131,000 | $ 90,000 |
| Butler County Ohio | 3 | $ 405,000 | $ 135,000 | $ 95,000 |
| Charleston County South Carolina | 3 | $ 2,915,000 | $ 971,000 | $ 289,000 |
| Dickson County Tennessee | 3 | $ 1,985,000 | $ 661,000 | $ 0 |
| Montgomery County Tennessee | 3 | $ 635,000 | $ 211,000 | $ 90,000 |
| Robertson County Tennessee | 3 | $ 465,000 | $ 155,000 | $ 66,000 |
| Bay County Florida | 2 | $ 470,000 | $ 235,000 | $ 116,000 |
| Citrus County Florida | 2 | $ 210,000 | $ 105,000 | $ 38,000 |
| Duval County Florida | 2 | $ 480,000 | $ 240,000 | $ 72,000 |
| Hernando County Florida | 2 | $ 140,000 | $ 70,000 | $ 39,000 |
| Marion County Florida | 2 | $ 450,000 | $ 225,000 | $ 78,000 |
| Hamilton County Indiana | 2 | $ 410,000 | $ 205,000 | $ 85,000 |
| Allen County Kentucky | 2 | $ 60,000 | $ 30,000 | $ 59,000 |
| Bourbon County Kentucky | 2 | $ 210,000 | $ 105,000 | $ 464,000 |
| Carroll County Kentucky | 2 | $ 190,000 | $ 95,000 | $ 67,000 |
| Hart County Kentucky | 2 | $ 170,000 | $ 85,000 | $ 107,000 |
| Larue County Kentucky | 2 | $ 130,000 | $ 65,000 | $ 76,000 |
| Mercer County Kentucky | 2 | $ 380,000 | $ 190,000 | $ 75,000 |
| Oakland County Michigan | 2 | $ 660,000 | $ 330,000 | $ 123,000 |
| Greene County Ohio | 2 | $ 580,000 | $ 290,000 | $ 117,000 |
| Marshall County Tennessee | 2 | $ 430,000 | $ 215,000 | $ 86,000 |
| Tipton County Tennessee | 2 | $ 370,000 | $ 185,000 | $ 79,000 |
| Warren County Tennessee | 2 | $ 650,000 | $ 325,000 | $ 173,000 |
| Alexandria County Virginia | 2 | $ 430,000 | $ 215,000 | $ 121,000 |
| Fairfax County Virginia | 2 | $ 660,000 | $ 330,000 | $ 117,000 |
| Baldwin County Alabama | 1 | $ 145,000 | $ 145,000 | $ 107,000 |
| Limestone County Alabama | 1 | $ 625,000 | $ 625,000 | $ 250,000 |
| Mobile County Alabama | 1 | $ 475,000 | $ 475,000 | $ 575,000 |
| Fresno County California | 1 | $ 245,000 | $ 245,000 | $ 66,000 |
| San Francisco County California | 1 | $ 765,000 | $ 765,000 | $ 132,000 |
| Santa Clara County California | 1 | $ 855,000 | $ 855,000 | $ 160,000 |
| Solano County California | 1 | $ 315,000 | $ 315,000 | $ 57,000 |
| Tulare County California | 1 | $ 855,000 | $ 855,000 | $ 685,000 |
| Denver County Colorado | 1 | $ 115,000 | $ 115,000 | $ 302,000 |
| Douglas County Colorado | 1 | $ 455,000 | $ 455,000 | $ 116,000 |
| Routt County Colorado | 1 | $ 735,000 | $ 735,000 | $ 339,000 |
| Summit County Colorado | 1 | $ 835,000 | $ 835,000 | $ 0 |
| Charlotte County Florida | 1 | $ 355,000 | $ 355,000 | $ 221,000 |
| Miami-Dade County Florida | 1 | $ 295,000 | $ 295,000 | $ 170,000 |
| Nassau County Florida | 1 | $ 225,000 | $ 225,000 | $ 180,000 |
| Okaloosa County Florida | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Palm Beach County Florida | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| Polk County Florida | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Seminole County Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Walton County Florida | 1 | $ 2,125,000 | $ 2,125,000 | $ 0 |
| Chattooga County Georgia | 1 | $ 165,000 | $ 165,000 | $ 129,000 |
| Cobb County Georgia | 1 | $ 215,000 | $ 215,000 | $ 63,000 |
| Columbia County Georgia | 1 | $ 165,000 | $ 165,000 | $ 126,000 |
| Fayette County Georgia | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Fulton County Georgia | 1 | $ 415,000 | $ 415,000 | $ 145,000 |
| Gilmer County Georgia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Paulding County Georgia | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Union County Georgia | 1 | $ 255,000 | $ 255,000 | $ 233,000 |
| Kendall County Illinois | 1 | $ 175,000 | $ 175,000 | $ 245,000 |
| Madison County Illinois | 1 | $ 145,000 | $ 145,000 | $ 25,000 |
| Union County Illinois | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| Dearborn County Indiana | 1 | $ 245,000 | $ 245,000 | $ 36,000 |
| Marion County Indiana | 1 | $ 255,000 | $ 255,000 | $ 111,000 |
| Orange County Indiana | 1 | $ 125,000 | $ 125,000 | $ 264,000 |
| Spencer County Indiana | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Warrick County Indiana | 1 | $ 105,000 | $ 105,000 | $ 170,000 |
| Wayne County Indiana | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Adair County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Green County Kentucky | 1 | $ 235,000 | $ 235,000 | $ 69,000 |
| Jackson County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| McCracken County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 248,000 |
| Muhlenberg County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 350,000 |
| Taylor County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Washington County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 113,000 |
| Wayne County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 154,000 |
| Delta County Michigan | 1 | $ 235,000 | $ 235,000 | $ 100,000 |
| Marquette County Michigan | 1 | $ 185,000 | $ 185,000 | $ 171,000 |
| Wayne County Michigan | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Wexford County Michigan | 1 | $ 265,000 | $ 265,000 | $ 49,000 |
| Dakota County Minnesota | 1 | $ 335,000 | $ 335,000 | $ 164,000 |
| Hennepin County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Caldwell County North Carolina | 1 | $ 455,000 | $ 455,000 | $ 136,000 |
| Gaston County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Haywood County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 89,000 |
| Jackson County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 267,000 |
| New Hanover County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 312,000 |
| Northampton County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Athens County Ohio | 1 | $ 265,000 | $ 265,000 | $ 79,000 |
| Brown County Ohio | 1 | $ 6,205,000 | $ 6,205,000 | $ 0 |
| Delaware County Ohio | 1 | $ 55,000 | $ 55,000 | $ 215,000 |
| Mercer County Ohio | 1 | $ 285,000 | $ 285,000 | $ 90,000 |
| Scioto County Ohio | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Trumbull County Ohio | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Beaufort County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 215,000 |
| Bradley County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 18,000 |
| Cheatham County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Coffee County Tennessee | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Fayette County Tennessee | 1 | $ 405,000 | $ 405,000 | $ 115,000 |
| Franklin County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Giles County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 56,000 |
| Grundy County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 210,000 |
| Monroe County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Norfolk County Virginia | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Rockbridge County Virginia | 1 | $ 185,000 | $ 185,000 | $ 179,000 |
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 | 2,124 | $470,540,000 | $221,000 | $5,405,000 | $122,000 | $8,635,000 |
| Cash-out Refinancing | 1,029 | $148,135,000 | $143,000 | $1,605,000 | $117,000 | $1,414,000 |
| Other Purpose | 730 | $53,430,000 | $73,000 | $1,405,000 | $117,000 | $2,053,000 |
| Home Improvement | 525 | $43,235,000 | $82,000 | $7,005,000 | $107,000 | $1,050,000 |
| Refinancing | 511 | $126,695,000 | $247,000 | $6,205,000 | $122,000 | $1,129,000 |
| Not Applicable | 69 | $3,205,000 | $46,000 | $125,000 | $29,000 | $51,000 |
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 | 3,660 | $552,560,000 | $150,000 | $4,145,000 | $124,000 | $8,635,000 |
| Not applicable | 407 | $172,745,000 | $424,000 | $7,005,000 | $0 | $0 |
| Black or African American | 360 | $41,130,000 | $114,000 | $2,005,000 | $71,000 | $1,000,000 |
| Hispanic | 207 | $24,415,000 | $117,000 | $1,405,000 | $65,000 | $1,094,000 |
| Not Provided | 205 | $25,945,000 | $126,000 | $1,205,000 | $105,000 | $529,000 |
| Asian | 106 | $19,860,000 | $187,000 | $1,045,000 | $144,000 | $582,000 |
| American Indian or Alaskan Native | 14 | $1,540,000 | $110,000 | $225,000 | $72,000 | $172,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $475,000 | $158,000 | $175,000 | $172,000 | $384,000 |
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) | 4,773 | $808,405,000 | $169,000 | $7,005,000 | $120,000 | $8,635,000 |
| FHA-insured (Federal Housing Administration) | 155 | $23,335,000 | $150,000 | $345,000 | $58,000 | $177,000 |
| VA-guaranteed (Veterans Administration) | 48 | $11,430,000 | $238,000 | $555,000 | $81,000 | $286,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $2,070,000 | $172,000 | $245,000 | $58,000 | $101,000 |
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 | 3,469 | $568,645,000 | $163,000 | $7,005,000 | $121,000 | $2,716,000 |
| Application Withdrawn By Applicant | 894 | $178,690,000 | $199,000 | $5,815,000 | $120,000 | $8,635,000 |
| Application Denied By Financial Institution | 376 | $65,270,000 | $173,000 | $2,665,000 | $82,000 | $1,320,000 |
| File Closed For Incompleteness | 131 | $19,395,000 | $148,000 | $1,105,000 | $102,000 | $500,000 |
| Loan Purchased By The Institution | 77 | $4,275,000 | $55,000 | $175,000 | $30,000 | $58,000 |
| Application Approved But Not Accepted | 41 | $8,965,000 | $218,000 | $2,605,000 | $178,000 | $3,036,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,612 | $779,970,000 | $169,000 | $7,005,000 | $119,000 | $8,635,000 |
| Credit History | 124 | $14,310,000 | $115,000 | $2,005,000 | $100,000 | $1,320,000 |
| Debt-To-Income Ratio | 121 | $16,615,000 | $137,000 | $1,405,000 | $71,000 | $1,112,000 |
| Collateral | 65 | $18,505,000 | $284,000 | $2,665,000 | $66,000 | $249,000 |
| Other | 51 | $14,075,000 | $275,000 | $2,075,000 | $99,000 | $408,000 |
| Employment History | 8 | $530,000 | $66,000 | $125,000 | $44,000 | $97,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,005,000 | $201,000 | $405,000 | $52,000 | $61,000 |
| Unverifiable Information | 2 | $230,000 | $115,000 | $125,000 | $31,000 | $31,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust Company's 2018 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 & Trust Company'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.