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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson, Kentucky | 1,176 | $ 210,850,000 | $ 179,294 | $ 141,000 |
| Fayette, Kentucky | 299 | $ 89,045,000 | $ 297,809 | $ 162,000 |
| Pinellas, Florida | 267 | $ 73,845,000 | $ 276,573 | $ 153,000 |
| Hillsborough, Florida | 219 | $ 49,825,000 | $ 227,511 | $ 157,000 |
| Hamilton, Ohio | 188 | $ 46,920,000 | $ 249,574 | $ 163,000 |
| Clark, Indiana | 136 | $ 23,570,000 | $ 173,308 | $ 107,000 |
| Davidson, Tennessee | 136 | $ 35,630,000 | $ 261,985 | $ 145,000 |
| Floyd, Indiana | 120 | $ 18,050,000 | $ 150,416 | $ 111,000 |
| Oldham, Kentucky | 114 | $ 37,700,000 | $ 330,701 | $ 285,000 |
| Bullitt, Kentucky | 111 | $ 15,085,000 | $ 135,900 | $ 103,000 |
| Pasco, Florida | 104 | $ 16,130,000 | $ 155,096 | $ 110,000 |
| Williamson, Tennessee | 91 | $ 38,585,000 | $ 424,010 | $ 204,000 |
| Kenton, Kentucky | 81 | $ 17,915,000 | $ 221,172 | $ 150,000 |
| Rutherford, Tennessee | 76 | $ 13,550,000 | $ 178,289 | $ 122,000 |
| Shelby, Kentucky | 74 | $ 13,590,000 | $ 183,648 | $ 106,000 |
| Butler, Ohio | 67 | $ 10,605,000 | $ 158,283 | $ 96,000 |
| Scott, Kentucky | 58 | $ 11,340,000 | $ 195,517 | $ 111,000 |
| Boone, Kentucky | 42 | $ 9,820,000 | $ 233,809 | $ 171,000 |
| Clermont, Ohio | 40 | $ 7,700,000 | $ 192,500 | $ 125,000 |
| Warren, Ohio | 40 | $ 9,020,000 | $ 225,500 | $ 227,000 |
| Campbell, Kentucky | 36 | $ 6,270,000 | $ 174,166 | $ 148,000 |
| Jessamine, Kentucky | 35 | $ 13,955,000 | $ 398,714 | $ 259,000 |
| Sumner, Tennessee | 34 | $ 4,750,000 | $ 139,705 | $ 103,000 |
| Hernando, Florida | 22 | $ 2,980,000 | $ 135,454 | $ 92,000 |
| Maury, Tennessee | 21 | $ 2,985,000 | $ 142,142 | $ 114,000 |
| Harrison, Indiana | 20 | $ 3,840,000 | $ 192,000 | $ 150,000 |
| Franklin, Kentucky | 20 | $ 8,260,000 | $ 413,000 | $ 110,000 |
| Spencer, Kentucky | 20 | $ 2,790,000 | $ 139,500 | $ 102,000 |
| Wilson, Tennessee | 19 | $ 3,595,000 | $ 189,210 | $ 133,000 |
| Madison, Kentucky | 18 | $ 4,010,000 | $ 222,777 | $ 112,000 |
| Dearborn, Indiana | 15 | $ 3,955,000 | $ 263,666 | $ 303,000 |
| Anderson, Kentucky | 15 | $ 1,695,000 | $ 113,000 | $ 148,000 |
| Miami-Dade, Florida | 13 | $ 11,305,000 | $ 869,615 | $ 450,000 |
| Woodford, Kentucky | 13 | $ 2,775,000 | $ 213,461 | $ 135,000 |
| Polk, Florida | 11 | $ 1,695,000 | $ 154,090 | $ 258,000 |
| Nelson, Kentucky | 11 | $ 1,225,000 | $ 111,363 | $ 90,000 |
| Clark, Kentucky | 10 | $ 1,670,000 | $ 167,000 | $ 116,000 |
| Hardin, Kentucky | 10 | $ 1,410,000 | $ 141,000 | $ 66,000 |
| Robertson, Tennessee | 9 | $ 915,000 | $ 101,666 | $ 117,000 |
| Dickson, Tennessee | 8 | $ 1,180,000 | $ 147,500 | $ 106,000 |
| Daviess, Kentucky | 6 | $ 790,000 | $ 131,666 | $ 115,000 |
| Cuyahoga, Ohio | 6 | $ 2,500,000 | $ 416,666 | $ 215,000 |
| Henry, Kentucky | 5 | $ 1,435,000 | $ 287,000 | $ 237,000 |
| Shelby, Tennessee | 5 | $ 1,525,000 | $ 305,000 | $ 214,000 |
| Collier, Florida | 4 | $ 2,030,000 | $ 507,500 | $ 390,000 |
| Manatee, Florida | 4 | $ 610,000 | $ 152,500 | $ 156,000 |
| Ripley, Indiana | 4 | $ 820,000 | $ 205,000 | $ 91,000 |
| Washington, Indiana | 4 | $ 580,000 | $ 145,000 | $ 91,000 |
| Grayson, Kentucky | 4 | $ 1,100,000 | $ 275,000 | $ 150,000 |
| Harrison, Kentucky | 4 | $ 520,000 | $ 130,000 | $ 234,000 |
| Mercer, Kentucky | 4 | $ 780,000 | $ 195,000 | $ 140,000 |
| Montgomery, Ohio | 4 | $ 730,000 | $ 182,500 | $ 55,000 |
| Cheatham, Tennessee | 4 | $ 680,000 | $ 170,000 | $ 123,000 |
| Macon, Tennessee | 4 | $ 210,000 | $ 52,500 | $ 130,000 |
| San Bernardino, California | 3 | $ 465,000 | $ 155,000 | $ 62,000 |
| Charlotte, Florida | 3 | $ 665,000 | $ 221,666 | $ 97,000 |
| Citrus, Florida | 3 | $ 695,000 | $ 231,666 | $ 90,000 |
| Lee, Florida | 3 | $ 605,000 | $ 201,666 | $ 148,000 |
| Hamilton, Indiana | 3 | $ 595,000 | $ 198,333 | $ 121,000 |
| Scott, Indiana | 3 | $ 375,000 | $ 125,000 | $ 78,000 |
| Bourbon, Kentucky | 3 | $ 955,000 | $ 318,333 | $ 285,000 |
| Montgomery, Kentucky | 3 | $ 505,000 | $ 168,333 | $ 123,000 |
| Owen, Kentucky | 3 | $ 825,000 | $ 275,000 | $ 93,000 |
| Trimble, Kentucky | 3 | $ 685,000 | $ 228,333 | $ 96,000 |
| Greene, Ohio | 3 | $ 355,000 | $ 118,333 | $ 86,000 |
| Summit, Ohio | 3 | $ 875,000 | $ 291,666 | $ 133,000 |
| Bedford, Tennessee | 3 | $ 785,000 | $ 261,666 | $ 128,000 |
| Madison, Tennessee | 3 | $ 295,000 | $ 98,333 | $ 30,000 |
| Fairfax, Virginia | 3 | $ 1,275,000 | $ 425,000 | $ 99,000 |
| Maricopa, Arizona | 2 | $ 510,000 | $ 255,000 | $ 412,000 |
| Broward, Florida | 2 | $ 250,000 | $ 125,000 | $ 40,000 |
| Escambia, Florida | 2 | $ 570,000 | $ 285,000 | $ 192,000 |
| Highlands, Florida | 2 | $ 290,000 | $ 145,000 | $ 77,000 |
| Lake, Florida | 2 | $ 110,000 | $ 55,000 | $ 138,000 |
| Palm Beach, Florida | 2 | $ 290,000 | $ 145,000 | $ 68,000 |
| St. Lucie, Florida | 2 | $ 380,000 | $ 190,000 | $ 114,000 |
| Sumter, Florida | 2 | $ 590,000 | $ 295,000 | $ 93,000 |
| Walton, Florida | 2 | $ 2,410,000 | $ 1,205,000 | $ 6,374,000 |
| Fulton, Georgia | 2 | $ 1,270,000 | $ 635,000 | $ 378,000 |
| Marion, Indiana | 2 | $ 280,000 | $ 140,000 | $ 149,000 |
| Carroll, Kentucky | 2 | $ 330,000 | $ 165,000 | $ 162,000 |
| Garrard, Kentucky | 2 | $ 590,000 | $ 295,000 | $ 95,000 |
| Grant, Kentucky | 2 | $ 210,000 | $ 105,000 | $ 92,000 |
| Hart, Kentucky | 2 | $ 260,000 | $ 130,000 | $ 122,000 |
| Laurel, Kentucky | 2 | $ 220,000 | $ 110,000 | $ 47,000 |
| Marshall, Kentucky | 2 | $ 700,000 | $ 350,000 | $ 155,000 |
| Mason, Kentucky | 2 | $ 780,000 | $ 390,000 | $ 240,000 |
| Meade, Kentucky | 2 | $ 280,000 | $ 140,000 | $ 158,000 |
| Ohio, Kentucky | 2 | $ 390,000 | $ 195,000 | $ 85,000 |
| Rowan, Kentucky | 2 | $ 160,000 | $ 80,000 | $ 41,000 |
| Warren, Kentucky | 2 | $ 350,000 | $ 175,000 | $ 155,000 |
| Wolfe, Kentucky | 2 | $ 490,000 | $ 245,000 | $ 161,000 |
| Guilford, North Carolina | 2 | $ 390,000 | $ 195,000 | $ 94,000 |
| Franklin, Ohio | 2 | $ 350,000 | $ 175,000 | $ 432,000 |
| Miami, Ohio | 2 | $ 540,000 | $ 270,000 | $ 236,000 |
| Greenville, South Carolina | 2 | $ 1,170,000 | $ 585,000 | $ 350,000 |
| Coffee, Tennessee | 2 | $ 80,000 | $ 40,000 | $ 61,000 |
| Hamilton, Tennessee | 2 | $ 790,000 | $ 395,000 | $ 138,000 |
| Lincoln, Tennessee | 2 | $ 690,000 | $ 345,000 | $ 120,000 |
| Trousdale, Tennessee | 2 | $ 150,000 | $ 75,000 | $ 55,000 |
| Baldwin, Alabama | 1 | $ 625,000 | $ 625,000 | $ 613,000 |
| Lee, Alabama | 1 | $ 395,000 | $ 395,000 | $ 414,000 |
| Fresno, California | 1 | $ 205,000 | $ 205,000 | $ 62,000 |
| Los Angeles, California | 1 | $ 805,000 | $ 805,000 | $ 360,000 |
| Marin, California | 1 | $ 305,000 | $ 305,000 | $ 107,000 |
| Ventura, California | 1 | $ 795,000 | $ 795,000 | $ 265,000 |
| La Plata, Colorado | 1 | $ 1,025,000 | $ 1,025,000 | $ 216,000 |
| Brevard, Florida | 1 | $ 305,000 | $ 305,000 | $ 130,000 |
| Leon, Florida | 1 | $ 235,000 | $ 235,000 | $ 47,000 |
| Marion, Florida | 1 | $ 305,000 | $ 305,000 | $ 103,000 |
| Orange, Florida | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Osceola, Florida | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Sarasota, Florida | 1 | $ 355,000 | $ 355,000 | $ 291,000 |
| Seminole, Florida | 1 | $ 25,000 | $ 25,000 | $ 91,000 |
| St. Johns, Florida | 1 | $ 455,000 | $ 455,000 | $ 388,000 |
| Volusia, Florida | 1 | $ 305,000 | $ 305,000 | $ 69,000 |
| Bibb, Georgia | 1 | $ 155,000 | $ 155,000 | $ 113,000 |
| Henry, Georgia | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| Walker, Georgia | 1 | $ 235,000 | $ 235,000 | $ 127,000 |
| Coles, Illinois | 1 | $ 165,000 | $ 165,000 | $ 400,000 |
| Cook, Illinois | 1 | $ 305,000 | $ 305,000 | $ 110,000 |
| Clay, Indiana | 1 | $ 115,000 | $ 115,000 | $ 69,000 |
| Delaware, Indiana | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| Franklin, Indiana | 1 | $ 155,000 | $ 155,000 | $ 99,000 |
| Hancock, Indiana | 1 | $ 305,000 | $ 305,000 | $ 365,000 |
| Johnson, Indiana | 1 | $ 275,000 | $ 275,000 | $ 118,000 |
| Lake, Indiana | 1 | $ 65,000 | $ 65,000 | $ 18,000 |
| Monroe, Indiana | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Ohio, Indiana | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Parke, Indiana | 1 | $ 155,000 | $ 155,000 | $ 103,000 |
| Switzerland, Indiana | 1 | $ 95,000 | $ 95,000 | $ 120,000 |
| Tippecanoe, Indiana | 1 | $ 305,000 | $ 305,000 | $ 194,000 |
| Vanderburgh, Indiana | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Bath, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 140,000 |
| Boyd, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 83,000 |
| Boyle, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Bracken, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 145,000 |
| Calloway, Kentucky | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Clay, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| Edmonson, Kentucky | 1 | $ 245,000 | $ 245,000 | $ 300,000 |
| Henderson, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 196,000 |
| Jackson, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Larue, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 67,000 |
| Logan, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 79,000 |
| Magoffin, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 125,000 |
| Marion, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
| McCracken, Kentucky | 1 | $ 275,000 | $ 275,000 | $ 270,000 |
| Nicholas, Kentucky | 1 | $ 755,000 | $ 755,000 | $ 722,000 |
| Pulaski, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Rockcastle, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| Washington, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 105,000 |
| Lafayette, Louisiana | 1 | $ 245,000 | $ 245,000 | $ 93,000 |
| Grand Traverse, Michigan | 1 | $ 335,000 | $ 335,000 | $ 255,000 |
| Saginaw, Michigan | 1 | $ 335,000 | $ 335,000 | $ 233,000 |
| Lafayette, Mississippi | 1 | $ 255,000 | $ 255,000 | $ 232,000 |
| Oktibbeha, Mississippi | 1 | $ 225,000 | $ 225,000 | $ 165,000 |
| Clay, Missouri | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| St. Charles, Missouri | 1 | $ 245,000 | $ 245,000 | $ 106,000 |
| Bergen, New Jersey | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Burlington, New Jersey | 1 | $ 615,000 | $ 615,000 | $ 326,000 |
| Middlesex, New Jersey | 1 | $ 315,000 | $ 315,000 | $ 94,000 |
| Alleghany, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 116,000 |
| Buncombe, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 200,000 |
| Caldwell, North Carolina | 1 | $ 375,000 | $ 375,000 | $ 129,000 |
| Catawba, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 40,000 |
| Lincoln, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 69,000 |
| Pender, North Carolina | 1 | $ 405,000 | $ 405,000 | $ 81,000 |
| Rowan, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 117,000 |
| Wake, North Carolina | 1 | $ 395,000 | $ 395,000 | $ 210,000 |
| Allen, Ohio | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Brown, Ohio | 1 | $ 525,000 | $ 525,000 | $ 570,000 |
| Clark, Ohio | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Clinton, Ohio | 1 | $ 325,000 | $ 325,000 | $ 69,000 |
| Fairfield, Ohio | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Geauga, Ohio | 1 | $ 205,000 | $ 205,000 | $ 104,000 |
| Hancock, Ohio | 1 | $ 205,000 | $ 205,000 | $ 105,000 |
| Lawrence, Ohio | 1 | $ 105,000 | $ 105,000 | $ 57,000 |
| Preble, Ohio | 1 | $ 45,000 | $ 45,000 | $ 132,000 |
| Trumbull, Ohio | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Union, Ohio | 1 | $ 65,000 | $ 65,000 | $ 225,000 |
| Wood, Ohio | 1 | $ 485,000 | $ 485,000 | $ 168,000 |
| Chester, Pennsylvania | 1 | $ 315,000 | $ 315,000 | $ 66,000 |
| Philadelphia, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Venango, Pennsylvania | 1 | $ 495,000 | $ 495,000 | $ 205,000 |
| Beaufort, South Carolina | 1 | $ 365,000 | $ 365,000 | $ 179,000 |
| Charleston, South Carolina | 1 | $ 185,000 | $ 185,000 | $ 46,000 |
| Dorchester, South Carolina | 1 | $ 205,000 | $ 205,000 | $ 140,000 |
| Horry, South Carolina | 1 | $ 275,000 | $ 275,000 | $ 112,000 |
| Pickens, South Carolina | 1 | $ 375,000 | $ 375,000 | $ 158,000 |
| DeKalb, Tennessee | 1 | $ 725,000 | $ 725,000 | $ 608,000 |
| Giles, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 77,000 |
| Hardin, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 112,000 |
| Hickman, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 183,000 |
| Knox, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 182,000 |
| Loudon, Tennessee | 1 | $ 365,000 | $ 365,000 | $ 114,000 |
| Sevier, Tennessee | 1 | $ 315,000 | $ 315,000 | $ 236,000 |
| Van Buren, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 59,000 |
| Washington, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 39,000 |
| White, Tennessee | 1 | $ 435,000 | $ 435,000 | $ 105,000 |
| Albemarle, Virginia | 1 | $ 295,000 | $ 295,000 | $ 77,000 |
| Augusta, Virginia | 1 | $ 275,000 | $ 275,000 | $ 128,000 |
| Henry, Virginia | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Loudoun, Virginia | 1 | $ 695,000 | $ 695,000 | $ 244,000 |
| Norfolk, Virginia | 1 | $ 275,000 | $ 275,000 | $ 120,000 |
| Page, Virginia | 1 | $ 185,000 | $ 185,000 | $ 159,000 |
| Virginia Beach, Virginia | 1 | $ 355,000 | $ 355,000 | $ 76,000 |
| Waynesboro, Virginia | 1 | $ 175,000 | $ 175,000 | $ 134,000 |
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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