Republic Mortgage Home Loans Mortgage Lending & HMDA Data, 2014
In 2014, Republic Mortgage Home Loans of Murray, UT reported 9,928 mortgage applications totaling $1.9 billion, down 20% from 2013. The average application was for $190,836, and applicants reported an average income of $73,983. 51% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Salt Lake City, UT (1,289), Ogden-Clearfield, UT (1,122) and Provo-Orem, UT (601) (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 | 2014 2013 2012 |
| Total Number of Mortgage Applications | 9,928 |
| Total Mortgage Loan Application Amount | $1,894,624,000 |
| Average Mortgage Loan Application Amount | $190,836 |
| Highest Mortgage Loan Application Amount | $1,750,000 |
| Average Applicant Income | $73,983 |
| Highest Applicant Income | $3,724,000 |
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records Republic Mortgage Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Salt Lake City, UT | 1,289 | $ 272,626,000 | $ 211,501 | $ 81,000 |
| Ogden-Clearfield, UT | 1,122 | $ 209,328,000 | $ 186,566 | $ 75,000 |
| Provo-Orem, UT | 601 | $ 130,854,000 | $ 217,727 | $ 83,000 |
| Seattle-Bellevue-Everett, WA | 558 | $ 133,695,000 | $ 239,596 | $ 91,000 |
| Tacoma-Lakewood, WA | 480 | $ 109,626,000 | $ 228,387 | $ 95,000 |
| Chicago-Naperville-Arlington Heights, IL | 475 | $ 89,964,000 | $ 189,397 | $ 87,000 |
| Rockford, IL | 267 | $ 30,894,000 | $ 115,707 | $ 60,000 |
| Longview, WA | 206 | $ 32,670,000 | $ 158,592 | $ 70,000 |
| Olympia-Tumwater, WA | 200 | $ 40,158,000 | $ 200,790 | $ 77,000 |
| Tampa-St. Petersburg-Clearwater, FL | 185 | $ 33,147,000 | $ 179,172 | $ 89,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 171 | $ 47,607,000 | $ 278,403 | $ 106,000 |
| Denver-Aurora-Lakewood, CO | 154 | $ 33,886,000 | $ 220,038 | $ 94,000 |
| Columbus, OH | 146 | $ 23,498,000 | $ 160,945 | $ 78,000 |
| Phoenix-Mesa-Scottsdale, AZ | 121 | $ 24,779,000 | $ 204,785 | $ 122,000 |
| Bremerton-Silverdale, WA | 101 | $ 21,496,000 | $ 212,831 | $ 95,000 |
| Atlanta-Sandy Springs-Roswell, GA | 85 | $ 14,610,000 | $ 171,882 | $ 85,000 |
| Boise City, ID | 83 | $ 14,127,000 | $ 170,204 | $ 67,000 |
| Austin-Round Rock, TX | 82 | $ 19,163,000 | $ 233,695 | $ 126,000 |
| Logan, UT-ID | 73 | $ 12,135,000 | $ 166,232 | $ 65,328 |
| Portland-Vancouver-Hillsboro, OR-WA | 72 | $ 18,180,000 | $ 252,500 | $ 98,083 |
| Houston-The Woodlands-Sugar Land, TX | 63 | $ 13,412,000 | $ 212,888 | $ 121,000 |
| Las Vegas-Henderson-Paradise, NV | 47 | $ 8,593,000 | $ 182,829 | $ 87,000 |
| Elgin, IL | 42 | $ 7,975,000 | $ 189,880 | $ 127,000 |
| St. George, UT | 41 | $ 7,509,000 | $ 183,146 | $ 88,000 |
| Lakeland-Winter Haven, FL | 36 | $ 3,927,000 | $ 109,083 | $ 51,000 |
| Dallas-Plano-Irving, TX | 34 | $ 7,541,000 | $ 221,794 | $ 118,000 |
| Knoxville, TN | 31 | $ 4,713,000 | $ 152,032 | $ 62,000 |
| North Port-Sarasota-Bradenton, FL | 29 | $ 3,970,000 | $ 136,896 | $ 58,000 |
| Akron, OH | 28 | $ 3,196,000 | $ 114,142 | $ 60,000 |
| Los Angeles-Long Beach-Glendale, CA | 27 | $ 8,070,000 | $ 298,888 | $ 133,000 |
| Bend-Redmond, OR | 25 | $ 5,649,000 | $ 225,960 | $ 79,000 |
| Morristown, TN | 24 | $ 3,735,000 | $ 155,625 | $ 53,000 |
| Riverside-San Bernardino-Ontario, CA | 24 | $ 3,570,000 | $ 148,750 | $ 78,000 |
| Lake County-Kenosha County, IL-WI | 21 | $ 4,310,000 | $ 205,238 | $ 88,380 |
| Cleveland-Elyria, OH | 18 | $ 2,224,000 | $ 123,555 | $ 94,000 |
| San Diego-Carlsbad, CA | 18 | $ 5,502,000 | $ 305,666 | $ 124,000 |
| Anaheim-Santa Ana-Irvine, CA | 17 | $ 7,225,000 | $ 425,000 | $ 136,000 |
| Gary, IN | 17 | $ 3,630,000 | $ 213,529 | $ 111,000 |
| Clarksville, TN-KY | 16 | $ 2,577,000 | $ 161,062 | $ 56,000 |
| Idaho Falls, ID | 16 | $ 2,617,000 | $ 163,562 | $ 68,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 16 | $ 7,474,000 | $ 467,125 | $ 140,000 |
| San Antonio-New Braunfels, TX | 15 | $ 3,193,000 | $ 212,866 | $ 102,000 |
| Fort Collins, CO | 14 | $ 2,681,000 | $ 191,500 | $ 114,000 |
| Fort Worth-Arlington, TX | 13 | $ 1,959,000 | $ 150,692 | $ 94,000 |
| Pocatello, ID | 13 | $ 1,978,000 | $ 152,153 | $ 55,000 |
| Oakland-Hayward-Berkeley, CA | 11 | $ 4,159,000 | $ 378,090 | $ 116,000 |
| Michigan City-La Porte, IN | 8 | $ 1,331,000 | $ 166,375 | $ 59,000 |
| Stockton-Lodi, CA | 8 | $ 2,048,000 | $ 256,000 | $ 97,000 |
| Weirton-Steubenville, WV-OH | 8 | $ 774,000 | $ 96,750 | $ 43,000 |
| Colorado Springs, CO | 7 | $ 1,391,000 | $ 198,714 | $ 100,000 |
| Boulder, CO | 6 | $ 1,633,000 | $ 272,166 | $ 142,000 |
| Canton-Massillon, OH | 6 | $ 494,000 | $ 82,333 | $ 43,000 |
| Dayton, OH | 6 | $ 786,000 | $ 131,000 | $ 88,000 |
| Indianapolis-Carmel-Anderson, IN | 6 | $ 824,000 | $ 137,333 | $ 77,000 |
| Bakersfield, CA | 5 | $ 1,134,000 | $ 226,800 | $ 80,000 |
| Reno, NV | 5 | $ 1,341,000 | $ 268,200 | $ 83,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,374,000 | $ 274,800 | $ 69,000 |
| Albuquerque, NM | 4 | $ 523,000 | $ 130,750 | $ 65,000 |
| Bellingham, WA | 4 | $ 1,099,000 | $ 274,750 | $ 102,000 |
| Chattanooga, TN-GA | 4 | $ 687,000 | $ 171,750 | $ 84,000 |
| Cincinnati, OH-KY-IN | 4 | $ 751,000 | $ 187,750 | $ 102,000 |
| Greeley, CO | 4 | $ 780,000 | $ 195,000 | $ 69,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 1,188,000 | $ 297,000 | $ 90,000 |
| San Francisco-Redwood City-South San Francisco, CA | 4 | $ 1,439,000 | $ 359,750 | $ 125,000 |
| Eugene, OR | 3 | $ 797,000 | $ 265,666 | $ 106,000 |
| Grand Junction, CO | 3 | $ 634,000 | $ 211,333 | $ 87,000 |
| Kankakee, IL | 3 | $ 634,000 | $ 211,333 | $ 47,000 |
| Kennewick-Richland, WA | 3 | $ 620,000 | $ 206,666 | $ 103,000 |
| Merced, CA | 3 | $ 418,000 | $ 139,333 | $ 68,000 |
| Modesto, CA | 3 | $ 655,000 | $ 218,333 | $ 106,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 358,000 | $ 119,333 | $ 64,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 723,000 | $ 241,000 | $ 93,000 |
| Pueblo, CO | 3 | $ 372,000 | $ 124,000 | $ 46,000 |
| Tucson, AZ | 3 | $ 339,000 | $ 113,000 | $ 35,000 |
| College Station-Bryan, TX | 2 | $ 230,000 | $ 115,000 | $ 36,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 114,000 | $ 57,000 | $ 48,000 |
| Fresno, CA | 2 | $ 425,000 | $ 212,500 | $ 115,000 |
| Janesville-Beloit, WI | 2 | $ 300,000 | $ 150,000 | $ 58,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 389,000 | $ 194,500 | $ 61,000 |
| Lubbock, TX | 2 | $ 259,000 | $ 129,500 | $ 110,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 214,000 | $ 107,000 | $ 52,000 |
| Odessa, TX | 2 | $ 156,000 | $ 78,000 | $ 39,000 |
| Peoria, IL | 2 | $ 184,000 | $ 92,000 | $ 93,000 |
| Prescott, AZ | 2 | $ 420,000 | $ 210,000 | $ 78,000 |
| Punta Gorda, FL | 2 | $ 328,000 | $ 164,000 | $ 44,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 696,000 | $ 348,000 | $ 154,000 |
| Santa Rosa, CA | 2 | $ 743,000 | $ 371,500 | $ 118,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 273,000 | $ 136,500 | $ 49,000 |
| Spokane-Spokane Valley, WA | 2 | $ 333,000 | $ 166,500 | $ 44,000 |
| Springfield, IL | 2 | $ 255,000 | $ 127,500 | $ 47,000 |
| Walla Walla, WA | 2 | $ 320,000 | $ 160,000 | $ 69,000 |
| Wenatchee, WA | 2 | $ 526,000 | $ 263,000 | $ 141,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 248,000 | $ 124,000 | $ 70,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 194,000 | $ 97,000 | $ 78,000 |
| Yuba City, CA | 2 | $ 382,000 | $ 191,000 | $ 95,000 |
| Abilene, TX | 1 | $ 132,000 | $ 132,000 | $ 55,000 |
| Amarillo, TX | 1 | $ 231,000 | $ 231,000 | $ 156,000 |
| Bloomington, IN | 1 | $ 417,000 | $ 417,000 | $ 234,000 |
| Brunswick, GA | 1 | $ 112,000 | $ 112,000 | $ 179,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 63,000 | $ 63,000 | $ 36,000 |
| Chico, CA | 1 | $ 150,000 | $ 150,000 | $ 58,000 |
| Coeur D'Alene, ID | 1 | $ 190,000 | $ 190,000 | $ 67,000 |
| Columbus, IN | 1 | $ 67,000 | $ 67,000 | $ 66,000 |
| Corpus Christi, TX | 1 | $ 153,000 | $ 153,000 | $ 113,000 |
| Dalton, GA | 1 | $ 67,000 | $ 67,000 | $ 18,000 |
| Flagstaff, AZ | 1 | $ 417,000 | $ 417,000 | $ 169,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Fort Wayne, IN | 1 | $ 74,000 | $ 74,000 | $ 75,000 |
| Killeen-Temple, TX | 1 | $ 150,000 | $ 150,000 | $ 129,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 83,000 | $ 83,000 | $ 31,000 |
| Lewiston, ID-WA | 1 | $ 138,000 | $ 138,000 | $ 68,000 |
| Lima, OH | 1 | $ 84,000 | $ 84,000 | $ 59,000 |
| Macon, GA | 1 | $ 52,000 | $ 52,000 | $ 80,000 |
| Midland, TX | 1 | $ 288,000 | $ 288,000 | $ 112,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 158,000 | $ 158,000 | $ 132,000 |
| Napa, CA | 1 | $ 364,000 | $ 364,000 | $ 122,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 340,000 | $ 340,000 | $ 339,000 |
| Salinas, CA | 1 | $ 328,000 | $ 328,000 | $ 120,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 316,000 | $ 316,000 | $ 70,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 162,000 | $ 162,000 | $ 60,000 |
| Savannah, GA | 1 | $ 165,000 | $ 165,000 | $ 120,000 |
| Toledo, OH | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Victoria, TX | 1 | $ 191,000 | $ 191,000 | $ 60,000 |
| Visalia-Porterville, CA | 1 | $ 313,000 | $ 313,000 | $ 101,000 |
| Waco, TX | 1 | $ 160,000 | $ 160,000 | $ 74,000 |
| Wheeling, WV-OH | 1 | $ 189,000 | $ 189,000 | $ 60,000 |
| Yakima, WA | 1 | $ 144,000 | $ 144,000 | $ 180,000 |
Mortgage Loan Application Detail Totals for Republic Mortgage Home Loans in 2014
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 | 7,216 | $1,305,943,000 | $180,000 | $1,750,000 | $68,000 | $3,724,000 |
| Refinancing | 2,702 | $586,729,000 | $217,000 | $1,392,000 | $90,000 | $1,556,000 |
| Home Improvement | 10 | $1,952,000 | $195,000 | $348,000 | $64,000 | $97,000 |
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 | 7,441 | $1,432,656,000 | $192,000 | $1,750,000 | $78,000 | $3,724,000 |
| Not Provided | 1,109 | $218,100,000 | $196,000 | $1,750,000 | $56,000 | $705,000 |
| Hispanic | 712 | $116,409,000 | $163,000 | $624,000 | $60,000 | $682,000 |
| Black or African American | 307 | $49,120,000 | $160,000 | $1,140,000 | $63,000 | $525,000 |
| Asian | 260 | $60,197,000 | $231,000 | $850,000 | $98,000 | $559,000 |
| Native Hawaiian or Other Pacific Islander | 67 | $11,389,000 | $169,000 | $401,000 | $63,000 | $235,000 |
| American Indian or Alaskan Native | 32 | $6,753,000 | $211,000 | $417,000 | $72,000 | $194,000 |
| 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) | 6,078 | $1,227,348,000 | $201,000 | $1,750,000 | $87,000 | $3,724,000 |
| FHA-insured (Federal Housing Administration) | 2,602 | $431,725,000 | $165,000 | $626,000 | $54,000 | $756,000 |
| VA-guaranteed (Veterans Administration) | 631 | $140,166,000 | $222,000 | $701,000 | $71,000 | $374,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 617 | $95,385,000 | $154,000 | $377,000 | $43,000 | $156,000 |
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 | 5,072 | $993,903,000 | $195,000 | $1,500,000 | $82,000 | $2,150,000 |
| Application Denied By Financial Institution | 2,535 | $420,943,000 | $166,000 | $1,540,000 | $46,000 | $756,000 |
| Application Withdrawn By Applicant | 2,146 | $443,712,000 | $206,000 | $1,750,000 | $89,000 | $3,724,000 |
| Application Approved But Not Accepted | 125 | $26,685,000 | $213,000 | $600,000 | $81,000 | $414,000 |
| Preapproval Denied by Financial Institution | 50 | $9,381,000 | $187,000 | $399,000 | $61,000 | $190,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 History | 1,393 | $210,124,000 | $150,000 | $1,540,000 | $34,000 | $756,000 |
| Other | 378 | $74,224,000 | $196,000 | $1,100,000 | $64,000 | $682,000 |
| Credit Application Incomplete | 286 | $52,937,000 | $185,000 | $538,000 | $51,000 | $293,000 |
| Debt-To-Income Ratio | 216 | $37,588,000 | $174,000 | $1,187,000 | $49,000 | $273,000 |
| Collateral | 80 | $13,656,000 | $170,000 | $750,000 | $87,000 | $428,000 |
| Employment History | 37 | $7,187,000 | $194,000 | $503,000 | $64,000 | $300,000 |
| Unverifiable Information | 23 | $4,739,000 | $206,000 | $500,000 | $70,000 | $172,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 21 | $3,483,000 | $165,000 | $417,000 | $82,000 | $266,000 |
| Mortgage Insurance Denied | 2 | $563,000 | $281,000 | $293,000 | $76,000 | $152,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Mortgage Home Loans's 2014 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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