Republic State Mortgage Co. Mortgage Lending & HMDA Data, 2010

In 2010, Republic State Mortgage Co. of Houston, TX reported 2,293 mortgage applications totaling $424.2 million, down 28% from 2009. The average application was for $184,991, and applicants reported an average income of $77,000. 80% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (596), Dallas-Plano-Irving, TX (292) and Lexington-Fayette, KY (292) (applications in parentheses).

Mortgage Company & Address Republic State Mortgage Co.
2715 Bissonnet, Suite 102
Houston, TX 77005
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,293
Total Mortgage Loan Application Amount $424,185,000
Average Mortgage Loan Application Amount $184,991
Highest Mortgage Loan Application Amount $1,680,000
Average Applicant Income $77,000
Highest Applicant Income $1,151,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Republic State Mortgage Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 State Mortgage Co. by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Harris, Texas 397 $ 89,930,000 $ 226,523 $ 128,000
Fayette, Kentucky 156 $ 24,666,000 $ 158,115 $ 73,000
Tarrant, Texas 136 $ 23,679,000 $ 174,110 $ 69,000
Dallas, Texas 135 $ 22,950,000 $ 170,000 $ 75,000
Montgomery, Texas 108 $ 24,248,000 $ 224,518 $ 124,000
Woodford, Kentucky 92 $ 14,863,000 $ 161,554 $ 61,000
Jefferson, Kentucky 83 $ 15,347,000 $ 184,903 $ 80,000
Warren, Kentucky 78 $ 10,007,000 $ 128,294 $ 56,000
Tuscarawas, Ohio 75 $ 9,042,000 $ 120,560 $ 44,000
Travis, Texas 71 $ 13,399,000 $ 188,718 $ 24,000
Denton, Texas 66 $ 14,173,000 $ 214,742 $ 85,000
Collin, Texas 53 $ 10,913,000 $ 205,905 $ 66,000
Bexar, Texas 51 $ 8,896,000 $ 174,431 $ 15,000
Fort Bend, Texas 49 $ 10,480,000 $ 213,877 $ 95,000
El Paso, Colorado 41 $ 10,495,000 $ 255,975 $ 78,000
Williamson, Texas 29 $ 4,782,000 $ 164,896 $ 2,000
Madison, Kentucky 28 $ 4,008,000 $ 143,142 $ 72,000
Shelby, Tennessee 28 $ 6,797,000 $ 242,750 $ 87,000
Washington, Texas 22 $ 3,072,000 $ 139,636 $ 66,000
Galveston, Texas 21 $ 4,555,000 $ 216,904 $ 102,000
Davidson, Tennessee 20 $ 3,840,000 $ 192,000 $ 70,000
Rockwall, Texas 20 $ 3,770,000 $ 188,500 $ 116,000
Jessamine, Kentucky 19 $ 2,856,000 $ 150,315 $ 68,000
Allen, Kentucky 18 $ 1,798,000 $ 99,888 $ 45,000
Hays, Texas 17 $ 2,854,000 $ 167,882 $ 0
Brazoria, Texas 15 $ 2,750,000 $ 183,333 $ 61,000
Hood, Texas 14 $ 2,509,000 $ 179,214 $ 42,000
Scott, Kentucky 12 $ 1,800,000 $ 150,000 $ 83,000
Kaufman, Texas 12 $ 1,734,000 $ 144,500 $ 54,000
Williamson, Tennessee 11 $ 2,732,000 $ 248,363 $ 78,000
Parker, Texas 10 $ 1,981,000 $ 198,100 $ 66,000
Clark, Kentucky 9 $ 1,357,000 $ 150,777 $ 68,000
Grayson, Kentucky 9 $ 1,297,000 $ 144,111 $ 44,000
Lincoln, Kentucky 9 $ 861,000 $ 95,666 $ 44,000
Humphreys, Tennessee 9 $ 1,109,000 $ 123,222 $ 42,000
Lubbock, Texas 9 $ 2,081,000 $ 231,222 $ 0
Carroll, Ohio 8 $ 826,000 $ 103,250 $ 60,000
Barren, Kentucky 7 $ 839,000 $ 119,857 $ 34,000
Dickson, Tennessee 7 $ 843,000 $ 120,428 $ 33,000
Robertson, Tennessee 7 $ 851,000 $ 121,571 $ 30,000
Rutherford, Tennessee 7 $ 1,093,000 $ 156,142 $ 28,000
Wilson, Tennessee 7 $ 1,160,000 $ 165,714 $ 31,000
Guadalupe, Texas 7 $ 1,381,000 $ 197,285 $ 34,000
Anderson, Kentucky 6 $ 668,000 $ 111,333 $ 53,000
Boyle, Kentucky 6 $ 714,000 $ 119,000 $ 47,000
Ellis, Texas 6 $ 973,000 $ 162,166 $ 53,000
Teller, Colorado 5 $ 1,963,000 $ 392,600 $ 168,000
DeKalb, Georgia 5 $ 873,000 $ 174,600 $ 0
Bullitt, Kentucky 5 $ 576,000 $ 115,200 $ 54,000
Daviess, Kentucky 5 $ 481,000 $ 96,200 $ 34,000
Garrard, Kentucky 5 $ 673,000 $ 134,600 $ 74,000
Montgomery, Kentucky 5 $ 624,000 $ 124,800 $ 68,000
Comal, Texas 5 $ 1,035,000 $ 207,000 $ 13,000
Riverside, California 4 $ 1,091,000 $ 272,750 $ 59,000
Gwinnett, Georgia 4 $ 888,000 $ 222,000 $ 0
Henry, Georgia 4 $ 658,000 $ 164,500 $ 0
Bourbon, Kentucky 4 $ 368,000 $ 92,000 $ 42,000
Franklin, Kentucky 4 $ 621,000 $ 155,250 $ 96,000
Stark, Ohio 4 $ 534,000 $ 133,500 $ 62,000
Blount, Tennessee 4 $ 614,000 $ 153,500 $ 58,000
Maury, Tennessee 4 $ 758,000 $ 189,500 $ 47,000
Montgomery, Tennessee 4 $ 772,000 $ 193,000 $ 19,000
Sumner, Tennessee 4 $ 822,000 $ 205,500 $ 36,000
El Paso, Texas 4 $ 788,000 $ 197,000 $ 25,000
Johnson, Texas 4 $ 657,000 $ 164,250 $ 66,000
Smith, Texas 4 $ 598,000 $ 149,500 $ 16,000
Wichita, Texas 4 $ 511,000 $ 127,750 $ 33,000
Los Angeles, California 3 $ 1,393,000 $ 464,333 $ 76,000
Okaloosa, Florida 3 $ 907,000 $ 302,333 $ 217,000
Walton, Florida 3 $ 1,657,000 $ 552,333 $ 799,000
Chatham, Georgia 3 $ 558,000 $ 186,000 $ 0
Cobb, Georgia 3 $ 627,000 $ 209,000 $ 0
Fulton, Georgia 3 $ 461,000 $ 153,666 $ 0
Paulding, Georgia 3 $ 656,000 $ 218,666 $ 0
Rockdale, Georgia 3 $ 549,000 $ 183,000 $ 0
Butler, Kentucky 3 $ 236,000 $ 78,666 $ 33,000
Laurel, Kentucky 3 $ 712,000 $ 237,333 $ 102,000
Logan, Kentucky 3 $ 259,000 $ 86,333 $ 52,000
Mercer, Kentucky 3 $ 263,000 $ 87,666 $ 33,000
Oldham, Kentucky 3 $ 613,000 $ 204,333 $ 79,000
Pulaski, Kentucky 3 $ 646,000 $ 215,333 $ 41,000
Rowan, Kentucky 3 $ 321,000 $ 107,000 $ 109,000
Shelby, Kentucky 3 $ 523,000 $ 174,333 $ 73,000
Spencer, Kentucky 3 $ 634,000 $ 211,333 $ 69,000
Columbiana, Ohio 3 $ 481,000 $ 160,333 $ 56,000
Knox, Tennessee 3 $ 945,000 $ 315,000 $ 431,000
Bell, Texas 3 $ 568,000 $ 189,333 $ 26,000
Gregg, Texas 3 $ 361,000 $ 120,333 $ 39,000
Harrison, Texas 3 $ 472,000 $ 157,333 $ 35,000
Tom Green, Texas 3 $ 527,000 $ 175,666 $ 0
Waller, Texas 3 $ 903,000 $ 301,000 $ 175,000
San Bernardino, California 2 $ 291,000 $ 145,500 $ 0
San Diego, California 2 $ 424,000 $ 212,000 $ 42,000
Douglas, Colorado 2 $ 553,000 $ 276,500 $ 108,000
Pinellas, Florida 2 $ 259,000 $ 129,500 $ 70,000
Coweta, Georgia 2 $ 270,000 $ 135,000 $ 0
Newton, Georgia 2 $ 406,000 $ 203,000 $ 0
Casey, Kentucky 2 $ 156,000 $ 78,000 $ 20,000
Edmonson, Kentucky 2 $ 189,000 $ 94,500 $ 36,000
Floyd, Kentucky 2 $ 199,000 $ 99,500 $ 27,000
Johnson, Kentucky 2 $ 447,000 $ 223,500 $ 105,000
Simpson, Kentucky 2 $ 178,000 $ 89,000 $ 29,000
Washington, Kentucky 2 $ 220,000 $ 110,000 $ 49,000
Coshocton, Ohio 2 $ 175,000 $ 87,500 $ 52,000
Cheatham, Tennessee 2 $ 337,000 $ 168,500 $ 0
Fayette, Tennessee 2 $ 346,000 $ 173,000 $ 26,000
Hamilton, Tennessee 2 $ 522,000 $ 261,000 $ 217,000
Brazos, Texas 2 $ 417,000 $ 208,500 $ 48,000
Fayette, Texas 2 $ 394,000 $ 197,000 $ 106,000
Jefferson, Texas 2 $ 347,000 $ 173,500 $ 29,000
Liberty, Texas 2 $ 300,000 $ 150,000 $ 66,000
Midland, Texas 2 $ 374,000 $ 187,000 $ 0
Navarro, Texas 2 $ 368,000 $ 184,000 $ 0
Nueces, Texas 2 $ 352,000 $ 176,000 $ 0
Taylor, Texas 2 $ 191,000 $ 95,500 $ 244,000
Victoria, Texas 2 $ 343,000 $ 171,500 $ 46,000
Kern, California 1 $ 194,000 $ 194,000 $ 0
Orange, California 1 $ 630,000 $ 630,000 $ 192,000
Santa Clara, California 1 $ 624,000 $ 624,000 $ 0
Ventura, California 1 $ 388,000 $ 388,000 $ 134,000
Adams, Colorado 1 $ 152,000 $ 152,000 $ 58,000
Denver, Colorado 1 $ 361,000 $ 361,000 $ 67,000
Otero, Colorado 1 $ 100,000 $ 100,000 $ 36,000
Pueblo, Colorado 1 $ 250,000 $ 250,000 $ 42,000
Hillsborough, Florida 1 $ 312,000 $ 312,000 $ 125,000
Martin, Florida 1 $ 417,000 $ 417,000 $ 240,000
St. Johns, Florida 1 $ 315,000 $ 315,000 $ 185,000
Barrow, Georgia 1 $ 124,000 $ 124,000 $ 0
Cherokee, Georgia 1 $ 204,000 $ 204,000 $ 0
Franklin, Georgia 1 $ 159,000 $ 159,000 $ 0
Habersham, Georgia 1 $ 140,000 $ 140,000 $ 0
Jackson, Georgia 1 $ 154,000 $ 154,000 $ 0
Lee, Georgia 1 $ 188,000 $ 188,000 $ 0
Long, Georgia 1 $ 152,000 $ 152,000 $ 0
Lowndes, Georgia 1 $ 139,000 $ 139,000 $ 0
Muscogee, Georgia 1 $ 143,000 $ 143,000 $ 0
Polk, Georgia 1 $ 83,000 $ 83,000 $ 0
Union, Georgia 1 $ 273,000 $ 273,000 $ 0
Wayne, Georgia 1 $ 169,000 $ 169,000 $ 0
Christian, Kentucky 1 $ 123,000 $ 123,000 $ 45,000
Estill, Kentucky 1 $ 88,000 $ 88,000 $ 18,000
Fleming, Kentucky 1 $ 103,000 $ 103,000 $ 48,000
Harrison, Kentucky 1 $ 164,000 $ 164,000 $ 33,000
Henry, Kentucky 1 $ 212,000 $ 212,000 $ 73,000
Kenton, Kentucky 1 $ 160,000 $ 160,000 $ 69,000
Martin, Kentucky 1 $ 76,000 $ 76,000 $ 63,000
Nelson, Kentucky 1 $ 111,000 $ 111,000 $ 64,000
Ohio, Kentucky 1 $ 95,000 $ 95,000 $ 40,000
Pendleton, Kentucky 1 $ 63,000 $ 63,000 $ 15,000
Pike, Kentucky 1 $ 217,000 $ 217,000 $ 114,000
Powell, Kentucky 1 $ 92,000 $ 92,000 $ 0
Russell, Kentucky 1 $ 214,000 $ 214,000 $ 70,000
Wayne, Kentucky 1 $ 66,000 $ 66,000 $ 74,000
Whitley, Kentucky 1 $ 88,000 $ 88,000 $ 23,000
Anne Arundel, Maryland 1 $ 200,000 $ 200,000 $ 0
Greene, Missouri 1 $ 120,000 $ 120,000 $ 0
Craven, North Carolina 1 $ 137,000 $ 137,000 $ 0
Ashland, Ohio 1 $ 114,000 $ 114,000 $ 22,000
Ashtabula, Ohio 1 $ 122,000 $ 122,000 $ 0
Greene, Ohio 1 $ 212,000 $ 212,000 $ 154,000
Harrison, Ohio 1 $ 57,000 $ 57,000 $ 39,000
Holmes, Ohio 1 $ 102,000 $ 102,000 $ 70,000
Portage, Ohio 1 $ 181,000 $ 181,000 $ 72,000
Summit, Ohio 1 $ 103,000 $ 103,000 $ 46,000
Warren, Ohio 1 $ 168,000 $ 168,000 $ 58,000
Wayne, Ohio 1 $ 147,000 $ 147,000 $ 60,000
Oklahoma, Oklahoma 1 $ 246,000 $ 246,000 $ 76,000
Cannon, Tennessee 1 $ 114,000 $ 114,000 $ 69,000
Decatur, Tennessee 1 $ 59,000 $ 59,000 $ 34,000
DeKalb, Tennessee 1 $ 223,000 $ 223,000 $ 170,000
Gibson, Tennessee 1 $ 100,000 $ 100,000 $ 0
Giles, Tennessee 1 $ 135,000 $ 135,000 $ 41,000
Hickman, Tennessee 1 $ 134,000 $ 134,000 $ 38,000
Houston, Tennessee 1 $ 88,000 $ 88,000 $ 38,000
Jefferson, Tennessee 1 $ 110,000 $ 110,000 $ 0
Sevier, Tennessee 1 $ 285,000 $ 285,000 $ 134,000
Tipton, Tennessee 1 $ 155,000 $ 155,000 $ 0
Trousdale, Tennessee 1 $ 128,000 $ 128,000 $ 139,000
Washington, Tennessee 1 $ 138,000 $ 138,000 $ 0
Atascosa, Texas 1 $ 156,000 $ 156,000 $ 0
Austin, Texas 1 $ 168,000 $ 168,000 $ 136,000
Burleson, Texas 1 $ 197,000 $ 197,000 $ 127,000
Burnet, Texas 1 $ 86,000 $ 86,000 $ 0
Erath, Texas 1 $ 300,000 $ 300,000 $ 84,000
Grayson, Texas 1 $ 206,000 $ 206,000 $ 74,000
Hardin, Texas 1 $ 212,000 $ 212,000 $ 0
Henderson, Texas 1 $ 229,000 $ 229,000 $ 72,000
Kendall, Texas 1 $ 184,000 $ 184,000 $ 177,000
Leon, Texas 1 $ 162,000 $ 162,000 $ 353,000
Orange, Texas 1 $ 196,000 $ 196,000 $ 135,000
Palo Pinto, Texas 1 $ 108,000 $ 108,000 $ 71,000
Rains, Texas 1 $ 91,000 $ 91,000 $ 34,000
Rusk, Texas 1 $ 82,000 $ 82,000 $ 51,000
Scurry, Texas 1 $ 136,000 $ 136,000 $ 40,000
Somervell, Texas 1 $ 190,000 $ 190,000 $ 82,000
Van Zandt, Texas 1 $ 147,000 $ 147,000 $ 87,000

Mortgage Loan Application Detail Totals for Republic State Mortgage Co. in 2010

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 1,179 $246,225,000 $208,000 $1,680,000 $77,000 $1,151,000
Home Purchase 1,114 $177,960,000 $159,000 $1,100,000 $77,000 $823,000
Home Improvement 0 $0 $0 $0 $0 $0

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 1,712 $329,515,000 $192,000 $1,680,000 $88,000 $1,151,000
Hispanic 226 $28,562,000 $126,000 $405,000 $43,000 $197,000
Not Provided 189 $37,945,000 $200,000 $980,000 $43,000 $1,104,000
Black or African American 115 $18,593,000 $161,000 $410,000 $27,000 $107,000
Asian 42 $8,229,000 $195,000 $744,000 $108,000 $600,000
American Indian or Alaskan Native 5 $913,000 $182,000 $236,000 $63,000 $141,000
Native Hawaiian or Other Pacific Islander 4 $428,000 $107,000 $162,000 $125,000 $353,000
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
FHA-insured (Federal Housing Administration) 1,225 $185,595,000 $151,000 $624,000 $40,000 $898,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 810 $192,400,000 $237,000 $1,680,000 $143,000 $1,151,000
VA-guaranteed (Veterans Administration) 174 $35,309,000 $202,000 $590,000 $43,000 $364,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 84 $10,881,000 $129,000 $319,000 $46,000 $150,000

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 1,836 $336,488,000 $183,000 $1,680,000 $79,000 $1,151,000
Application Withdrawn By Applicant 223 $42,702,000 $191,000 $751,000 $84,000 $982,000
Application Denied By Financial Institution 199 $37,399,000 $187,000 $995,000 $45,000 $1,104,000
File Closed For Incompleteness 25 $4,002,000 $160,000 $417,000 $70,000 $290,000
Application Approved But Not Accepted 10 $3,594,000 $359,000 $1,220,000 $148,000 $480,000
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
Credit History 61 $10,224,000 $167,000 $406,000 $39,000 $276,000
Debt-To-Income Ratio 21 $5,446,000 $259,000 $995,000 $94,000 $401,000
Collateral 21 $4,148,000 $197,000 $980,000 $116,000 $1,104,000
Other 19 $3,450,000 $181,000 $400,000 $73,000 $400,000
Unverifiable Information 7 $1,024,000 $146,000 $332,000 $73,000 $205,000
Insufficient Cash (Downpayment, Closing Cost) 1 $83,000 $83,000 $83,000 $54,000 $54,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic State Mortgage Co.'s 2010 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 State Mortgage Co.'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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