Republic Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Republic Bank & Trust of Louisville, KY reported 4,075 mortgage applications totaling $898.0 million, up 5% from 2024. The average application was for $220,376, and applicants reported an average income of $149,306. 61% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,793), Cincinnati, OH-KY-IN (515) and Lexington-Fayette, KY (418) (applications in parentheses).
| Mortgage Company & Address | Republic Bank & Trust 601 W Market St Louisville, KY 40202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,075 |
| Total Mortgage Loan Application Amount | $898,035,000 |
| Average Mortgage Loan Application Amount | $220,376 |
| Highest Mortgage Loan Application Amount | $11,255,000 |
| Average Applicant Income | $149,306 |
| Highest Applicant Income | $6,374,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Republic Bank & Trust in 2025
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 | 1,374 | $463,790,000 | $337,000 | $7,005,000 | $159,000 | $6,374,000 |
| Home Improvement | 960 | $119,000,000 | $123,000 | $11,255,000 | $143,000 | $3,974,000 |
| Other Purpose | 792 | $101,770,000 | $128,000 | $2,115,000 | $145,000 | $2,234,000 |
| Cash-out Refinancing | 761 | $162,015,000 | $212,000 | $1,875,000 | $150,000 | $2,612,000 |
| Refinancing | 188 | $51,460,000 | $273,000 | $1,505,000 | $126,000 | $845,000 |
| Not Applicable | 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 | 2,764 | $603,290,000 | $218,000 | $7,005,000 | $163,000 | $6,374,000 |
| Not Provided | 485 | $92,585,000 | $190,000 | $1,895,000 | $123,000 | $870,000 |
| Black or African American | 345 | $49,195,000 | $142,000 | $1,975,000 | $91,000 | $1,000,000 |
| Hispanic | 264 | $49,590,000 | $187,000 | $1,955,000 | $114,000 | $1,526,000 |
| Asian | 134 | $38,800,000 | $289,000 | $1,175,000 | $186,000 | $1,048,000 |
| Not applicable | 67 | $62,375,000 | $930,000 | $11,255,000 | $0 | $0 |
| American Indian or Alaskan Native | 13 | $1,485,000 | $114,000 | $505,000 | $159,000 | $357,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $715,000 | $238,000 | $625,000 | $345,000 | $736,000 |
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) | 3,797 | $824,415,000 | $217,000 | $11,255,000 | $153,000 | $6,374,000 |
| FHA-insured (Federal Housing Administration) | 221 | $54,845,000 | $248,000 | $655,000 | $84,000 | $294,000 |
| VA-guaranteed (Veterans Administration) | 48 | $16,860,000 | $351,000 | $1,205,000 | $137,000 | $605,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,915,000 | $212,000 | $255,000 | $93,000 | $132,000 |
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 | 2,475 | $589,605,000 | $238,000 | $11,255,000 | $166,000 | $6,374,000 |
| Application Withdrawn By Applicant | 962 | $201,250,000 | $209,000 | $7,005,000 | $130,000 | $3,187,000 |
| Application Denied By Financial Institution | 363 | $52,725,000 | $145,000 | $1,255,000 | $95,000 | $1,771,000 |
| File Closed For Incompleteness | 213 | $42,305,000 | $198,000 | $1,675,000 | $148,000 | $1,750,000 |
| Application Approved But Not Accepted | 46 | $7,970,000 | $173,000 | $1,005,000 | $135,000 | $537,000 |
| Loan Purchased By The Institution | 16 | $4,180,000 | $261,000 | $395,000 | $65,000 | $175,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,712 | $845,310,000 | $227,000 | $11,255,000 | $155,000 | $6,374,000 |
| Debt-To-Income Ratio | 212 | $32,040,000 | $151,000 | $1,255,000 | $71,000 | $374,000 |
| Credit History | 100 | $11,350,000 | $113,000 | $605,000 | $130,000 | $1,771,000 |
| Collateral | 23 | $3,775,000 | $164,000 | $355,000 | $161,000 | $810,000 |
| Other | 18 | $4,100,000 | $227,000 | $665,000 | $104,000 | $334,000 |
| Employment History | 8 | $1,180,000 | $147,000 | $445,000 | $76,000 | $125,000 |
| Unverifiable Information | 2 | $280,000 | $140,000 | $225,000 | $60,000 | $66,000 |
| 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 Bank & Trust's 2025 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 Bank & Trust'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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with aggregated HMDA statistics today.
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