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records Republic State Mortgage Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-Sugar Land-Baytown, TX | 596 | $ 133,334,000 | $ 223,714 | $ 122,000 |
| Dallas-Plano-Irving, TX | 292 | $ 54,513,000 | $ 186,688 | $ 77,000 |
| Lexington-Fayette, KY | 292 | $ 45,910,000 | $ 157,226 | $ 69,000 |
| Fort Worth-Arlington, TX | 150 | $ 26,317,000 | $ 175,446 | $ 69,000 |
| Austin-Round Rock-San Marcos, TX | 117 | $ 21,035,000 | $ 179,786 | $ 15,000 |
| Louisville-Jefferson County, KY-IN | 99 | $ 18,016,000 | $ 181,979 | $ 78,000 |
| Bowling Green, KY | 80 | $ 10,196,000 | $ 127,450 | $ 55,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 68 | $ 12,054,000 | $ 177,264 | $ 52,000 |
| San Antonio-New Braunfels, TX | 65 | $ 11,652,000 | $ 179,261 | $ 19,000 |
| Colorado Springs, CO | 46 | $ 12,458,000 | $ 270,826 | $ 88,000 |
| Atlanta-Sandy Springs-Marietta, GA | 31 | $ 5,716,000 | $ 184,387 | $ 0 |
| Memphis, TN-MS-AR | 31 | $ 7,298,000 | $ 235,419 | $ 80,000 |
| Canton-Massillon, OH | 12 | $ 1,360,000 | $ 113,333 | $ 60,000 |
| Lubbock, TX | 9 | $ 2,081,000 | $ 231,222 | $ 0 |
| Knoxville, TN | 7 | $ 1,559,000 | $ 222,714 | $ 218,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 1,382,000 | $ 230,333 | $ 39,000 |
| Clarksville, TN-KY | 5 | $ 895,000 | $ 179,000 | $ 24,200 |
| Owensboro, KY | 5 | $ 481,000 | $ 96,200 | $ 34,000 |
| Beaumont-Port Arthur, TX | 4 | $ 755,000 | $ 188,750 | $ 48,000 |
| Denver-Aurora-Broomfield, CO | 4 | $ 1,066,000 | $ 266,500 | $ 85,000 |
| El Paso, TX | 4 | $ 788,000 | $ 197,000 | $ 25,000 |
| Longview, TX | 4 | $ 443,000 | $ 110,750 | $ 42,000 |
| Tyler, TX | 4 | $ 598,000 | $ 149,500 | $ 16,000 |
| Wichita Falls, TX | 4 | $ 511,000 | $ 127,750 | $ 33,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 391,000 | $ 130,333 | $ 47,333 |
| College Station-Bryan, TX | 3 | $ 614,000 | $ 204,666 | $ 74,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 907,000 | $ 302,333 | $ 217,000 |
| Killeen-Temple-Fort Hood, TX | 3 | $ 568,000 | $ 189,333 | $ 26,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,393,000 | $ 464,333 | $ 76,000 |
| San Angelo, TX | 3 | $ 527,000 | $ 175,666 | $ 0 |
| Savannah, GA | 3 | $ 558,000 | $ 186,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 571,000 | $ 190,333 | $ 88,000 |
| Abilene, TX | 2 | $ 191,000 | $ 95,500 | $ 244,000 |
| Akron, OH | 2 | $ 284,000 | $ 142,000 | $ 59,000 |
| Chattanooga, TN-GA | 2 | $ 522,000 | $ 261,000 | $ 217,000 |
| Corpus Christi, TX | 2 | $ 352,000 | $ 176,000 | $ 0 |
| Midland, TX | 2 | $ 374,000 | $ 187,000 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 424,000 | $ 212,000 | $ 42,000 |
| Victoria, TX | 2 | $ 343,000 | $ 171,500 | $ 46,000 |
| Albany, GA | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Bakersfield-Delano, CA | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Baltimore-Towson, MD | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Dayton, OH | 1 | $ 212,000 | $ 212,000 | $ 154,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Jacksonville, FL | 1 | $ 315,000 | $ 315,000 | $ 185,000 |
| Johnson City, TN | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Morristown, TN | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 246,000 | $ 246,000 | $ 76,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 388,000 | $ 388,000 | $ 134,000 |
| Port St. Lucie, FL | 1 | $ 417,000 | $ 417,000 | $ 240,000 |
| Pueblo, CO | 1 | $ 250,000 | $ 250,000 | $ 42,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 624,000 | $ 624,000 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 630,000 | $ 630,000 | $ 192,000 |
| Sherman-Denison, TX | 1 | $ 206,000 | $ 206,000 | $ 74,000 |
| Springfield, MO | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Valdosta, GA | 1 | $ 139,000 | $ 139,000 | $ 0 |
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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