Republic Federal Bank N.A. Mortgage Lending & HMDA Data, 2006
In 2006, Republic Federal Bank N.A. of Miami, FL reported 1,571 mortgage applications totaling $670.6 million, up 30% from 2005. The average application was for $426,880, and applicants reported an average income of $139,573. 50% of its applications resulted in an originated loan and 7% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (1,067), Miami-Miami Beach-Kendall, FL (139) and Los Angeles-Long Beach-Glendale, CA (82) (applications in parentheses).
| Mortgage Company & Address | Republic Federal Bank N.A. 1001 Brickell Bay Drive, 19th Floor Miami, FL 33131 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,571 |
| Total Mortgage Loan Application Amount | $670,630,000 |
| Average Mortgage Loan Application Amount | $426,880 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $139,573 |
| Highest Applicant Income | $3,539,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Republic Federal Bank N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Queens, New York | 504 | $ 191,450,000 | $ 379,861 | $ 125,000 |
| Kings, New York | 341 | $ 136,889,000 | $ 401,434 | $ 136,000 |
| Miami-Dade, Florida | 139 | $ 120,621,000 | $ 867,776 | $ 182,000 |
| Los Angeles, California | 82 | $ 31,018,000 | $ 378,268 | $ 127,000 |
| Nassau, New York | 59 | $ 24,635,000 | $ 417,542 | $ 180,000 |
| New York, New York | 52 | $ 23,449,000 | $ 450,942 | $ 211,000 |
| Bergen, New Jersey | 50 | $ 21,864,000 | $ 437,280 | $ 158,000 |
| Richmond, New York | 38 | $ 13,556,000 | $ 356,736 | $ 116,000 |
| Bronx, New York | 30 | $ 8,773,000 | $ 292,433 | $ 103,000 |
| Hudson, New Jersey | 21 | $ 6,327,000 | $ 301,285 | $ 110,000 |
| Suffolk, New York | 20 | $ 6,239,000 | $ 311,950 | $ 121,000 |
| Orange, New York | 19 | $ 3,740,000 | $ 196,842 | $ 101,000 |
| Orange, California | 16 | $ 6,374,000 | $ 398,375 | $ 145,000 |
| Broward, Florida | 15 | $ 8,790,000 | $ 586,000 | $ 94,000 |
| Rockland, New York | 12 | $ 4,506,000 | $ 375,500 | $ 171,000 |
| Westchester, New York | 10 | $ 4,771,000 | $ 477,100 | $ 222,000 |
| Monmouth, New Jersey | 9 | $ 2,746,000 | $ 305,111 | $ 126,000 |
| Alameda, California | 8 | $ 2,940,000 | $ 367,500 | $ 143,000 |
| Passaic, New Jersey | 8 | $ 2,530,000 | $ 316,250 | $ 118,000 |
| San Francisco, California | 7 | $ 3,816,000 | $ 545,142 | $ 156,000 |
| Osceola, Florida | 7 | $ 1,465,000 | $ 209,285 | $ 124,000 |
| Essex, New Jersey | 7 | $ 2,029,000 | $ 289,857 | $ 102,000 |
| Middlesex, New Jersey | 7 | $ 2,400,000 | $ 342,857 | $ 93,000 |
| San Mateo, California | 6 | $ 2,820,000 | $ 470,000 | $ 119,000 |
| Solano, California | 6 | $ 2,128,000 | $ 354,666 | $ 148,000 |
| Palm Beach, Florida | 6 | $ 3,089,000 | $ 514,833 | $ 146,000 |
| Riverside, California | 5 | $ 1,101,000 | $ 220,200 | $ 64,000 |
| Philadelphia, Pennsylvania | 5 | $ 403,000 | $ 80,600 | $ 93,000 |
| Contra Costa, California | 4 | $ 1,519,000 | $ 379,750 | $ 138,000 |
| Sacramento, California | 4 | $ 1,626,000 | $ 406,500 | $ 121,000 |
| San Bernardino, California | 4 | $ 1,157,000 | $ 289,250 | $ 113,000 |
| Ventura, California | 4 | $ 1,391,000 | $ 347,750 | $ 97,000 |
| Monroe, Florida | 4 | $ 3,267,000 | $ 816,750 | $ 805,000 |
| Cumberland, New Jersey | 4 | $ 630,000 | $ 157,500 | $ 65,000 |
| Morris, New Jersey | 4 | $ 1,793,000 | $ 448,250 | $ 161,000 |
| Ocean, New Jersey | 4 | $ 1,125,000 | $ 281,250 | $ 98,000 |
| Union, New Jersey | 4 | $ 1,390,000 | $ 347,500 | $ 175,000 |
| Polk, Florida | 3 | $ 737,000 | $ 245,666 | $ 97,000 |
| Ulster, New York | 3 | $ 1,060,000 | $ 353,333 | $ 199,000 |
| Imperial, California | 2 | $ 441,000 | $ 220,500 | $ 150,000 |
| San Joaquin, California | 2 | $ 405,000 | $ 202,500 | $ 62,000 |
| Hartford, Connecticut | 2 | $ 539,000 | $ 269,500 | $ 117,000 |
| Lee, Florida | 2 | $ 478,000 | $ 239,000 | $ 22,000 |
| Orange, Florida | 2 | $ 2,516,000 | $ 1,258,000 | $ 511,000 |
| Atlantic, New Jersey | 2 | $ 650,000 | $ 325,000 | $ 94,000 |
| Dutchess, New York | 2 | $ 351,000 | $ 175,500 | $ 104,000 |
| Monroe, Pennsylvania | 2 | $ 522,000 | $ 261,000 | $ 154,000 |
| Maricopa, Arizona | 1 | $ 224,000 | $ 224,000 | $ 90,000 |
| Fresno, California | 1 | $ 304,000 | $ 304,000 | $ 60,000 |
| Placer, California | 1 | $ 168,000 | $ 168,000 | $ 130,000 |
| San Diego, California | 1 | $ 475,000 | $ 475,000 | $ 257,000 |
| Santa Barbara, California | 1 | $ 359,000 | $ 359,000 | $ 104,000 |
| Santa Clara, California | 1 | $ 200,000 | $ 200,000 | $ 54,000 |
| Tulare, California | 1 | $ 233,000 | $ 233,000 | $ 66,000 |
| Yolo, California | 1 | $ 288,000 | $ 288,000 | $ 96,000 |
| Fairfield, Connecticut | 1 | $ 435,000 | $ 435,000 | $ 101,000 |
| New Haven, Connecticut | 1 | $ 156,000 | $ 156,000 | $ 55,000 |
| New London, Connecticut | 1 | $ 128,000 | $ 128,000 | $ 60,000 |
| Charlotte, Florida | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Collier, Florida | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Flagler, Florida | 1 | $ 226,000 | $ 226,000 | $ 102,000 |
| Indian River, Florida | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| Lake, Florida | 1 | $ 120,000 | $ 120,000 | $ 121,000 |
| Pinellas, Florida | 1 | $ 300,000 | $ 300,000 | $ 253,000 |
| Seminole, Florida | 1 | $ 139,000 | $ 139,000 | $ 71,000 |
| Burlington, New Jersey | 1 | $ 96,000 | $ 96,000 | $ 115,000 |
| Mercer, New Jersey | 1 | $ 212,000 | $ 212,000 | $ 124,000 |
| Albany, New York | 1 | $ 352,000 | $ 352,000 | $ 126,000 |
| Putnam, New York | 1 | $ 593,000 | $ 593,000 | $ 180,000 |
| Sullivan, New York | 1 | $ 108,000 | $ 108,000 | $ 296,000 |
| Tompkins, New York | 1 | $ 120,000 | $ 120,000 | $ 155,000 |
Mortgage Loan Application Detail Totals for Republic Federal Bank N.A. 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 | 991 | $413,801,000 | $417,000 | $5,790,000 | $138,000 | $2,400,000 |
| Refinancing | 576 | $247,564,000 | $429,000 | $6,000,000 | $142,000 | $3,539,000 |
| Home Improvement | 4 | $9,265,000 | $2,316,000 | $2,525,000 | $180,000 | $722,000 |
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 |
|---|---|---|---|---|---|---|
| Asian | 817 | $314,339,000 | $384,000 | $1,600,000 | $131,000 | $874,000 |
| White | 418 | $166,222,000 | $397,000 | $2,860,000 | $177,000 | $2,400,000 |
| Hispanic | 139 | $66,459,000 | $478,000 | $3,700,000 | $194,000 | $3,539,000 |
| Not applicable | 95 | $83,976,000 | $883,000 | $6,000,000 | $0 | $0 |
| Black or African American | 57 | $20,424,000 | $358,000 | $900,000 | $104,000 | $300,000 |
| Not Provided | 31 | $14,109,000 | $455,000 | $1,750,000 | $128,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $3,449,000 | $383,000 | $648,000 | $117,000 | $256,000 |
| American Indian or Alaskan Native | 5 | $1,652,000 | $330,000 | $417,000 | $96,000 | $131,000 |
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) | 1,571 | $670,630,000 | $426,000 | $6,000,000 | $140,000 | $3,539,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 781 | $331,978,000 | $425,000 | $6,000,000 | $139,000 | $2,400,000 |
| Application Approved But Not Accepted | 566 | $225,994,000 | $399,000 | $2,310,000 | $135,000 | $1,081,000 |
| Application Denied By Financial Institution | 108 | $46,883,000 | $434,000 | $1,988,000 | $154,000 | $840,000 |
| File Closed For Incompleteness | 70 | $32,227,000 | $460,000 | $2,525,000 | $121,000 | $566,000 |
| Application Withdrawn By Applicant | 40 | $32,149,000 | $803,000 | $5,790,000 | $213,000 | $3,539,000 |
| Loan Purchased By The Institution | 6 | $1,399,000 | $233,000 | $403,000 | $117,000 | $282,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 48 | $20,216,000 | $421,000 | $1,855,000 | $136,000 | $840,000 |
| Other | 30 | $11,512,000 | $383,000 | $1,988,000 | $151,000 | $766,000 |
| Collateral | 13 | $5,710,000 | $439,000 | $840,000 | $189,000 | $456,000 |
| Debt-To-Income Ratio | 10 | $4,847,000 | $484,000 | $1,280,000 | $117,000 | $252,000 |
| Employment History | 4 | $2,837,000 | $709,000 | $1,600,000 | $217,000 | $401,000 |
| Unverifiable Information | 3 | $1,761,000 | $587,000 | $825,000 | $358,000 | $840,000 |
| Credit Application Incomplete | 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 Federal Bank N.A.'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 Federal Bank N.A.'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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