Republic Mortgage Home Loans Mortgage Lending & HMDA Data, 2011

In 2011, Republic Mortgage Home Loans of Murray, UT reported 6,677 mortgage applications totaling $1.3 billion, down 38% from 2010. The average application was for $195,475, and applicants reported an average income of $79,972. 88% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Salt Lake City, UT (1,562), Ogden-Clearfield, UT (1,148) and Provo-Orem, UT (713) (applications in parentheses).

Mortgage Company & Address Republic Mortgage Home Loans
5241 South State Street, Suite #2
Murray, UT 84107
Tel #: available with data download
Federal Regulator * available with data download
Years 2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 6,677
Total Mortgage Loan Application Amount $1,305,190,000
Average Mortgage Loan Application Amount $195,475
Highest Mortgage Loan Application Amount $1,360,000
Average Applicant Income $79,972
Highest Applicant Income $1,701,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Republic Mortgage Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Republic Mortgage Home Loans by County in 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Salt Lake, Utah 1,412 $ 272,789,000 $ 193,193 $ 75,000
Utah, Utah 706 $ 140,437,000 $ 198,919 $ 78,000
Davis, Utah 688 $ 137,396,000 $ 199,703 $ 79,000
Weber, Utah 436 $ 64,168,000 $ 147,174 $ 57,000
Pierce, Washington 426 $ 86,898,000 $ 203,985 $ 88,000
King, Washington 213 $ 46,058,000 $ 216,234 $ 107,000
Thurston, Washington 162 $ 34,418,000 $ 212,456 $ 75,000
Cache, Utah 145 $ 22,571,000 $ 155,662 $ 61,000
Kitsap, Washington 129 $ 27,928,000 $ 216,496 $ 77,000
Box Elder, Utah 124 $ 19,411,000 $ 156,540 $ 60,000
Tooele, Utah 115 $ 18,094,000 $ 157,339 $ 58,000
Sacramento, California 113 $ 20,469,000 $ 181,141 $ 72,000
Travis, Texas 108 $ 22,565,000 $ 208,935 $ 109,000
Montrose, Colorado 104 $ 17,023,000 $ 163,682 $ 62,000
Maricopa, Arizona 82 $ 13,201,000 $ 160,987 $ 59,000
Williamson, Texas 77 $ 14,760,000 $ 191,688 $ 102,000
Yuma, Arizona 73 $ 10,486,000 $ 143,643 $ 54,000
Douglas, Colorado 66 $ 16,743,000 $ 253,681 $ 112,000
Larimer, Colorado 54 $ 11,678,000 $ 216,259 $ 103,000
Jefferson, Colorado 53 $ 12,068,000 $ 227,698 $ 102,000
Washington, Utah 48 $ 8,754,000 $ 182,375 $ 129,000
Arapahoe, Colorado 43 $ 9,184,000 $ 213,581 $ 91,000
Lewis, Washington 41 $ 5,677,000 $ 138,463 $ 72,000
Clark, Nevada 40 $ 6,459,000 $ 161,475 $ 79,000
Placer, California 38 $ 9,902,000 $ 260,578 $ 101,000
Delta, Colorado 38 $ 5,999,000 $ 157,868 $ 51,000
El Paso, Colorado 37 $ 8,673,000 $ 234,405 $ 99,000
Merced, California 36 $ 5,217,000 $ 144,916 $ 75,000
Cook, Illinois 36 $ 7,991,000 $ 221,972 $ 79,000
Summit, Utah 35 $ 10,493,000 $ 299,800 $ 130,000
Los Angeles, California 34 $ 9,513,000 $ 279,794 $ 118,000
Adams, Colorado 34 $ 7,190,000 $ 211,470 $ 102,000
DuPage, Illinois 31 $ 6,776,000 $ 218,580 $ 92,000
Uintah, Utah 30 $ 4,714,000 $ 157,133 $ 56,000
Alameda, California 28 $ 9,693,000 $ 346,178 $ 119,000
Sevier, Utah 28 $ 3,730,000 $ 133,214 $ 60,000
Boulder, Colorado 26 $ 5,835,000 $ 224,423 $ 89,000
Twin Falls, Idaho 26 $ 3,056,000 $ 117,538 $ 44,000
Denver, Colorado 25 $ 5,839,000 $ 233,560 $ 116,000
Morgan, Utah 24 $ 6,153,000 $ 256,375 $ 87,000
Wasatch, Utah 24 $ 6,142,000 $ 255,916 $ 98,000
Orange, California 23 $ 6,687,000 $ 290,739 $ 104,000
Spokane, Washington 22 $ 3,438,000 $ 156,272 $ 59,000
El Dorado, California 21 $ 5,890,000 $ 280,476 $ 88,000
San Diego, California 21 $ 7,092,000 $ 337,714 $ 113,000
Snohomish, Washington 21 $ 6,053,000 $ 288,238 $ 106,000
Contra Costa, California 20 $ 6,071,000 $ 303,550 $ 119,000
Elko, Nevada 18 $ 3,830,000 $ 212,777 $ 76,000
Santa Clara, California 17 $ 7,536,000 $ 443,294 $ 146,000
Harris, Texas 17 $ 2,852,000 $ 167,764 $ 110,000
Sanpete, Utah 17 $ 2,391,000 $ 140,647 $ 55,000
Riverside, California 16 $ 3,447,000 $ 215,437 $ 76,000
Weld, Colorado 16 $ 2,752,000 $ 172,000 $ 78,000
Collin, Texas 15 $ 3,228,000 $ 215,200 $ 101,000
Hays, Texas 13 $ 2,628,000 $ 202,153 $ 110,000
Grays Harbor, Washington 13 $ 1,956,000 $ 150,461 $ 50,000
Broomfield, Colorado 12 $ 3,115,000 $ 259,583 $ 117,000
Ada, Idaho 11 $ 2,088,000 $ 189,818 $ 77,000
Carbon, Utah 11 $ 1,768,000 $ 160,727 $ 74,000
Emery, Utah 11 $ 1,573,000 $ 143,000 $ 68,000
Iron, Utah 11 $ 1,622,000 $ 147,454 $ 36,000
Mason, Washington 11 $ 2,489,000 $ 226,272 $ 88,000
San Bernardino, California 10 $ 2,126,000 $ 212,600 $ 66,000
Yolo, California 10 $ 2,179,000 $ 217,900 $ 122,000
Jerome, Idaho 10 $ 1,498,000 $ 149,800 $ 58,000
Denton, Texas 10 $ 1,888,000 $ 188,800 $ 122,000
Multnomah, Oregon 9 $ 2,306,000 $ 256,222 $ 127,000
Dallas, Texas 9 $ 1,744,000 $ 193,777 $ 107,000
Duchesne, Utah 9 $ 1,110,000 $ 123,333 $ 53,000
Clark, Washington 9 $ 1,899,000 $ 211,000 $ 70,000
Kittitas, Washington 9 $ 1,316,000 $ 146,222 $ 101,000
San Mateo, California 8 $ 3,349,000 $ 418,625 $ 147,000
Kane, Illinois 8 $ 2,009,000 $ 251,125 $ 165,000
Lake, Illinois 8 $ 1,260,000 $ 157,500 $ 122,000
Bonneville, Idaho 7 $ 1,257,000 $ 179,571 $ 71,000
Washington, Oregon 7 $ 1,564,000 $ 223,428 $ 72,000
Tarrant, Texas 7 $ 1,122,000 $ 160,285 $ 87,000
Juab, Utah 7 $ 1,518,000 $ 216,857 $ 80,000
Fresno, California 6 $ 1,015,000 $ 169,166 $ 63,000
Franklin, Idaho 6 $ 980,000 $ 163,333 $ 58,000
Fort Bend, Texas 6 $ 1,214,000 $ 202,333 $ 135,000
Pinal, Arizona 5 $ 457,000 $ 91,400 $ 57,000
Ventura, California 5 $ 1,572,000 $ 314,400 $ 111,000
Cassia, Idaho 5 $ 739,000 $ 147,800 $ 48,000
Madison, Idaho 5 $ 724,000 $ 144,800 $ 76,000
Bexar, Texas 5 $ 683,000 $ 136,600 $ 93,000
Rich, Utah 5 $ 947,000 $ 189,400 $ 68,000
Benton, Washington 5 $ 1,149,000 $ 229,800 $ 109,000
Napa, California 4 $ 1,538,000 $ 384,500 $ 124,000
Nevada, California 4 $ 888,000 $ 222,000 $ 93,000
San Francisco, California 4 $ 2,029,000 $ 507,250 $ 174,000
San Joaquin, California 4 $ 1,009,000 $ 252,250 $ 78,000
San Luis Obispo, California 4 $ 1,332,000 $ 333,000 $ 56,000
Elbert, Colorado 4 $ 1,241,000 $ 310,250 $ 165,000
Ouray, Colorado 4 $ 772,000 $ 193,000 $ 71,000
Gooding, Idaho 4 $ 567,000 $ 141,750 $ 60,000
Lane, Oregon 4 $ 1,197,000 $ 299,250 $ 125,000
Sonoma, California 3 $ 663,000 $ 221,000 $ 79,000
Mesa, Colorado 3 $ 758,000 $ 252,666 $ 108,000
Bannock, Idaho 3 $ 313,000 $ 104,333 $ 53,000
Jefferson, Idaho 3 $ 558,000 $ 186,000 $ 65,000
Minidoka, Idaho 3 $ 317,000 $ 105,666 $ 33,000
Bernalillo, New Mexico 3 $ 676,000 $ 225,333 $ 121,000
Cowlitz, Washington 3 $ 333,000 $ 111,000 $ 32,000
Jefferson, Washington 3 $ 437,000 $ 145,666 $ 118,000
Skagit, Washington 3 $ 934,000 $ 311,333 $ 135,000
Coconino, Arizona 2 $ 745,000 $ 372,500 $ 0
Kern, California 2 $ 366,000 $ 183,000 $ 64,000
Monterey, California 2 $ 526,000 $ 263,000 $ 111,000
Tuolumne, California 2 $ 253,000 $ 126,500 $ 117,000
Park, Colorado 2 $ 702,000 $ 351,000 $ 164,000
Teller, Colorado 2 $ 343,000 $ 171,500 $ 53,000
Canyon, Idaho 2 $ 264,000 $ 132,000 $ 61,000
Kootenai, Idaho 2 $ 347,000 $ 173,500 $ 57,000
McHenry, Illinois 2 $ 432,000 $ 216,000 $ 99,000
Will, Illinois 2 $ 316,000 $ 158,000 $ 57,000
Benton, Oregon 2 $ 496,000 $ 248,000 $ 62,000
Clackamas, Oregon 2 $ 390,000 $ 195,000 $ 41,000
Columbia, Oregon 2 $ 357,000 $ 178,500 $ 57,000
Galveston, Texas 2 $ 266,000 $ 133,000 $ 68,000
Pacific, Washington 2 $ 254,000 $ 127,000 $ 37,000
San Juan, Washington 2 $ 594,000 $ 297,000 $ 97,000
Whatcom, Washington 2 $ 370,000 $ 185,000 $ 122,000
Yakima, Washington 2 $ 270,000 $ 135,000 $ 68,000
Cochise, Arizona 1 $ 166,000 $ 166,000 $ 58,000
Mohave, Arizona 1 $ 126,000 $ 126,000 $ 107,000
Pima, Arizona 1 $ 221,000 $ 221,000 $ 0
Yavapai, Arizona 1 $ 130,000 $ 130,000 $ 53,000
Amador, California 1 $ 240,000 $ 240,000 $ 72,000
Butte, California 1 $ 167,000 $ 167,000 $ 113,000
Humboldt, California 1 $ 219,000 $ 219,000 $ 69,000
Inyo, California 1 $ 222,000 $ 222,000 $ 80,000
Kings, California 1 $ 161,000 $ 161,000 $ 137,000
Madera, California 1 $ 82,000 $ 82,000 $ 46,000
Plumas, California 1 $ 190,000 $ 190,000 $ 81,000
Stanislaus, California 1 $ 162,000 $ 162,000 $ 36,000
Sutter, California 1 $ 155,000 $ 155,000 $ 55,000
Yuba, California 1 $ 160,000 $ 160,000 $ 80,000
Crowley, Colorado 1 $ 100,000 $ 100,000 $ 41,000
Pueblo, Colorado 1 $ 109,000 $ 109,000 $ 38,000
Summit, Colorado 1 $ 118,000 $ 118,000 $ 42,000
Yuma, Colorado 1 $ 127,000 $ 127,000 $ 44,000
Blaine, Idaho 1 $ 150,000 $ 150,000 $ 55,000
Latah, Idaho 1 $ 162,000 $ 162,000 $ 82,000
Lincoln, Idaho 1 $ 124,000 $ 124,000 $ 118,000
Oneida, Idaho 1 $ 133,000 $ 133,000 $ 46,000
Bureau, Illinois 1 $ 115,000 $ 115,000 $ 39,000
DeKalb, Illinois 1 $ 133,000 $ 133,000 $ 72,000
Jo Daviess, Illinois 1 $ 177,000 $ 177,000 $ 251,000
Johnson, Illinois 1 $ 125,000 $ 125,000 $ 337,000
Kendall, Illinois 1 $ 160,000 $ 160,000 $ 119,000
Jefferson, Kentucky 1 $ 95,000 $ 95,000 $ 43,000
Douglas, Nevada 1 $ 150,000 $ 150,000 $ 56,000
Washoe, Nevada 1 $ 228,000 $ 228,000 $ 78,000
Sandoval, New Mexico 1 $ 284,000 $ 284,000 $ 0
Santa Fe, New Mexico 1 $ 143,000 $ 143,000 $ 73,000
Grant, Oregon 1 $ 300,000 $ 300,000 $ 150,000
Jackson, Oregon 1 $ 218,000 $ 218,000 $ 59,000
Tillamook, Oregon 1 $ 229,000 $ 229,000 $ 61,000
Umatilla, Oregon 1 $ 184,000 $ 184,000 $ 50,000
Yamhill, Oregon 1 $ 127,000 $ 127,000 $ 71,000
Bastrop, Texas 1 $ 158,000 $ 158,000 $ 106,000
Brazos, Texas 1 $ 100,000 $ 100,000 $ 119,000
Burnet, Texas 1 $ 385,000 $ 385,000 $ 131,000
Caldwell, Texas 1 $ 125,000 $ 125,000 $ 73,000
Comal, Texas 1 $ 77,000 $ 77,000 $ 63,000
Grayson, Texas 1 $ 69,000 $ 69,000 $ 32,000
Kaufman, Texas 1 $ 250,000 $ 250,000 $ 159,000
Llano, Texas 1 $ 50,000 $ 50,000 $ 89,000
Midland, Texas 1 $ 92,000 $ 92,000 $ 75,000
Montgomery, Texas 1 $ 222,000 $ 222,000 $ 100,000
San Patricio, Texas 1 $ 121,000 $ 121,000 $ 86,000
Sherman, Texas 1 $ 136,000 $ 136,000 $ 122,000
Smith, Texas 1 $ 137,000 $ 137,000 $ 63,000
Victoria, Texas 1 $ 100,000 $ 100,000 $ 91,000
Wharton, Texas 1 $ 258,000 $ 258,000 $ 69,000
Kane, Utah 1 $ 89,000 $ 89,000 $ 28,000
Millard, Utah 1 $ 116,000 $ 116,000 $ 89,000
San Juan, Utah 1 $ 140,000 $ 140,000 $ 0
Chelan, Washington 1 $ 85,000 $ 85,000 $ 50,000
Columbia, Washington 1 $ 180,000 $ 180,000 $ 149,000
Franklin, Washington 1 $ 137,000 $ 137,000 $ 60,000
Grant, Washington 1 $ 417,000 $ 417,000 $ 100,000
Lincoln, Washington 1 $ 88,000 $ 88,000 $ 57,000
Okanogan, Washington 1 $ 102,000 $ 102,000 $ 49,000
Skamania, Washington 1 $ 203,000 $ 203,000 $ 98,000
Stevens, Washington 1 $ 126,000 $ 126,000 $ 80,000

Mortgage Loan Application Detail Totals for Republic Mortgage Home Loans in 2011

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
Refinancing 3,523 $744,111,000 $211,000 $1,360,000 $87,000 $1,171,000
Home Purchase 3,119 $555,264,000 $178,000 $1,250,000 $72,000 $1,701,000
Home Improvement 35 $5,815,000 $166,000 $363,000 $83,000 $179,000

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 5,691 $1,109,950,000 $195,000 $1,360,000 $80,000 $1,701,000
Hispanic 333 $52,912,000 $158,000 $561,000 $60,000 $281,000
Not Provided 303 $69,303,000 $228,000 $564,000 $96,000 $330,000
Asian 214 $47,640,000 $222,000 $730,000 $89,000 $360,000
Black or African American 66 $12,284,000 $186,000 $395,000 $68,000 $167,000
Native Hawaiian or Other Pacific Islander 38 $7,409,000 $194,000 $412,000 $69,000 $237,000
American Indian or Alaskan Native 32 $5,692,000 $177,000 $383,000 $74,000 $230,000
Not applicable 0 $0 $0 $0 $0 $0

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) 4,135 $832,452,000 $201,000 $1,360,000 $95,000 $1,701,000
FHA-insured (Federal Housing Administration) 1,740 $318,950,000 $183,000 $642,000 $55,000 $463,000
VA-guaranteed (Veterans Administration) 411 $90,867,000 $221,000 $578,000 $63,000 $203,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 391 $62,921,000 $160,000 $441,000 $47,000 $100,000

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 5,900 $1,143,246,000 $193,000 $841,000 $80,000 $1,701,000
Application Withdrawn By Applicant 345 $72,802,000 $211,000 $1,360,000 $79,000 $825,000
Application Denied By Financial Institution 228 $46,257,000 $202,000 $640,000 $82,000 $439,000
Application Approved But Not Accepted 192 $40,295,000 $209,000 $626,000 $75,000 $747,000
File Closed For Incompleteness 12 $2,590,000 $215,000 $675,000 $83,000 $230,000
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
Collateral 60 $13,252,000 $220,000 $640,000 $100,000 $439,000
Other 41 $8,343,000 $203,000 $567,000 $86,000 $245,000
Debt-To-Income Ratio 37 $7,271,000 $196,000 $405,000 $47,000 $138,000
Credit Application Incomplete 28 $6,184,000 $220,000 $413,000 $95,000 $240,000
Credit History 15 $3,055,000 $203,000 $380,000 $82,000 $235,000
Unverifiable Information 11 $2,314,000 $210,000 $390,000 $96,000 $195,000
Employment History 11 $1,608,000 $146,000 $240,000 $50,000 $100,000
Insufficient Cash (Downpayment, Closing Cost) 2 $587,000 $293,000 $345,000 $82,000 $86,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Mortgage Home Loans's 2011 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 Mortgage Home Loans'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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