Republic Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Republic Bank & Trust of Norman, OK reported 1,611 mortgage applications totaling $239.3 million, up 8% from 2011. The average application was for $148,552, and applicants reported an average income of $89,828. 88% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Oklahoma City, OK (964), Fort Smith, AR-OK (81) and Tulsa, OK (57) (applications in parentheses).
| Mortgage Company & Address | Republic Bank & Trust 401 W. Main Norman, OK 73069 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,611 |
| Total Mortgage Loan Application Amount | $239,318,000 |
| Average Mortgage Loan Application Amount | $148,552 |
| Highest Mortgage Loan Application Amount | $2,694,000 |
| Average Applicant Income | $89,828 |
| Highest Applicant Income | $1,846,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2012
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 | 906 | $130,109,000 | $143,000 | $2,160,000 | $80,000 | $1,000,000 |
| Refinancing | 624 | $102,903,000 | $164,000 | $2,694,000 | $102,000 | $1,846,000 |
| Home Improvement | 81 | $6,306,000 | $77,000 | $376,000 | $106,000 | $884,000 |
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 | 1,291 | $192,831,000 | $149,000 | $1,343,000 | $94,000 | $1,846,000 |
| American Indian or Alaskan Native | 168 | $21,245,000 | $126,000 | $403,000 | $60,000 | $184,000 |
| Not applicable | 65 | $12,398,000 | $190,000 | $2,694,000 | $45,000 | $675,000 |
| Hispanic | 36 | $4,550,000 | $126,000 | $417,000 | $147,000 | $884,000 |
| Black or African American | 27 | $3,894,000 | $144,000 | $281,000 | $77,000 | $162,000 |
| Asian | 18 | $3,332,000 | $185,000 | $398,000 | $98,000 | $374,000 |
| Not Provided | 4 | $635,000 | $158,000 | $344,000 | $176,000 | $360,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $433,000 | $216,000 | $241,000 | $83,000 | $96,000 |
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) | 982 | $157,334,000 | $160,000 | $2,694,000 | $112,000 | $1,846,000 |
| FHA-insured (Federal Housing Administration) | 320 | $42,731,000 | $133,000 | $303,000 | $60,000 | $251,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 186 | $18,306,000 | $98,000 | $209,000 | $39,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 123 | $20,947,000 | $170,000 | $403,000 | $70,000 | $253,000 |
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 | 1,412 | $204,100,000 | $144,000 | $2,694,000 | $87,000 | $1,846,000 |
| Application Denied By Financial Institution | 77 | $12,898,000 | $167,000 | $1,343,000 | $86,000 | $1,017,000 |
| File Closed For Incompleteness | 58 | $10,384,000 | $179,000 | $417,000 | $120,000 | $672,000 |
| Application Withdrawn By Applicant | 48 | $8,293,000 | $172,000 | $417,000 | $118,000 | $436,000 |
| Application Approved But Not Accepted | 16 | $3,643,000 | $227,000 | $1,333,000 | $155,000 | $1,017,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 32 | $4,578,000 | $143,000 | $415,000 | $61,000 | $168,000 |
| Credit History | 26 | $4,406,000 | $169,000 | $412,000 | $85,000 | $380,000 |
| Other | 12 | $1,907,000 | $158,000 | $372,000 | $80,000 | $168,000 |
| Collateral | 7 | $2,007,000 | $286,000 | $1,343,000 | $212,000 | $1,017,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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's 2012 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'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 Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.
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