Republic Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Republic Bank & Trust Company 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Republic Bank & Trust Company 601 W Market St Louisville, KY 40202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 12,945 |
| Total Mortgage Loan Application Amount | $1,499,798,000 |
| Average Mortgage Loan Application Amount | $248,947 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $141,578 |
| Highest Applicant Income | $2,073,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Republic Bank & Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Republic Bank & Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Republic Bank & Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Republic Bank & Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Republic Bank & Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Republic Bank & Trust Company's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson County Kentucky | 5,737 | $ 684,164,000 | $ 119,000 | $ 59,000 |
| Fayette County Kentucky | 1,456 | $ 184,076,000 | $ 126,000 | $ 68,000 |
| Franklin County Kentucky | 592 | $ 50,062,000 | $ 84,000 | $ 61,000 |
| Daviess County Kentucky | 542 | $ 46,974,000 | $ 86,000 | $ 53,000 |
| Oldham County Kentucky | 535 | $ 80,540,000 | $ 150,000 | $ 99,000 |
| Hardin County Kentucky | 509 | $ 55,374,000 | $ 108,000 | $ 91,000 |
| Bullitt County Kentucky | 488 | $ 53,250,000 | $ 109,000 | $ 55,000 |
| Shelby County Kentucky | 464 | $ 55,694,000 | $ 120,000 | $ 55,000 |
| Warren County Kentucky | 406 | $ 44,812,000 | $ 110,000 | $ 60,000 |
| Clark County Indiana | 399 | $ 42,718,000 | $ 107,000 | $ 55,000 |
| Floyd County Indiana | 332 | $ 37,638,000 | $ 113,000 | $ 68,000 |
| Spencer County Kentucky | 141 | $ 16,247,000 | $ 115,000 | $ 61,000 |
| Jessamine County Kentucky | 127 | $ 17,789,000 | $ 140,000 | $ 73,000 |
| Anderson County Kentucky | 126 | $ 12,377,000 | $ 98,000 | $ 54,000 |
| Scott County Kentucky | 117 | $ 14,232,000 | $ 121,000 | $ 55,000 |
| Nelson County Kentucky | 113 | $ 10,452,000 | $ 92,000 | $ 58,000 |
| Woodford County Kentucky | 101 | $ 12,330,000 | $ 122,000 | $ 80,000 |
| Meade County Kentucky | 91 | $ 8,914,000 | $ 97,000 | $ 62,000 |
| Harrison County Indiana | 69 | $ 8,308,000 | $ 120,000 | $ 63,000 |
| Madison County Kentucky | 64 | $ 7,909,000 | $ 123,000 | $ 68,000 |
| Henry County Kentucky | 51 | $ 4,569,000 | $ 89,000 | $ 55,000 |
| Larue County Kentucky | 44 | $ 4,212,000 | $ 95,000 | $ 47,000 |
| Grayson County Kentucky | 38 | $ 3,501,000 | $ 92,000 | $ 72,000 |
| Clark County Kentucky | 35 | $ 4,213,000 | $ 120,000 | $ 64,000 |
| Hancock County Kentucky | 24 | $ 1,806,000 | $ 75,000 | $ 54,000 |
| Ohio County Kentucky | 23 | $ 1,951,000 | $ 84,000 | $ 67,000 |
| Owen County Kentucky | 21 | $ 1,807,000 | $ 86,000 | $ 62,000 |
| Bourbon County Kentucky | 19 | $ 2,471,000 | $ 130,000 | $ 100,000 |
| Breckinridge County Kentucky | 18 | $ 1,380,000 | $ 76,000 | $ 83,000 |
| Logan County Kentucky | 18 | $ 1,671,000 | $ 92,000 | $ 49,000 |
| McCracken County Kentucky | 17 | $ 1,821,000 | $ 107,000 | $ 74,000 |
| Allen County Kentucky | 14 | $ 1,287,000 | $ 91,000 | $ 50,000 |
| Mercer County Kentucky | 14 | $ 1,679,000 | $ 119,000 | $ 87,000 |
| Scott County Indiana | 13 | $ 1,161,000 | $ 89,000 | $ 42,000 |
| Washington County Indiana | 13 | $ 1,482,000 | $ 114,000 | $ 69,000 |
| Edmonson County Kentucky | 12 | $ 1,005,000 | $ 83,000 | $ 65,000 |
| Garrard County Kentucky | 12 | $ 1,082,000 | $ 90,000 | $ 52,000 |
| Simpson County Kentucky | 12 | $ 1,162,000 | $ 96,000 | $ 65,000 |
| Butler County Kentucky | 10 | $ 1,071,000 | $ 107,000 | $ 49,000 |
| Montgomery County Kentucky | 10 | $ 871,000 | $ 87,000 | $ 46,000 |
| Hart County Kentucky | 8 | $ 910,000 | $ 113,000 | $ 50,000 |
| Trimble County Kentucky | 8 | $ 725,000 | $ 90,000 | $ 65,000 |
| Barren County Kentucky | 6 | $ 1,083,000 | $ 180,000 | $ 122,000 |
| Marion County Kentucky | 6 | $ 574,000 | $ 95,000 | $ 61,000 |
| Marshall County Kentucky | 6 | $ 451,000 | $ 75,000 | $ 107,000 |
| Washington County Kentucky | 6 | $ 538,000 | $ 89,000 | $ 45,000 |
| Spencer County Indiana | 5 | $ 425,000 | $ 85,000 | $ 88,000 |
| McLean County Kentucky | 5 | $ 303,000 | $ 60,000 | $ 64,000 |
| Boyle County Kentucky | 4 | $ 336,000 | $ 84,000 | $ 64,000 |
| Crawford County Indiana | 3 | $ 180,000 | $ 60,000 | $ 65,000 |
| Boone County Kentucky | 3 | $ 731,000 | $ 243,000 | $ 203,000 |
| Graves County Kentucky | 3 | $ 166,000 | $ 55,000 | $ 51,000 |
| Harrison County Kentucky | 3 | $ 597,000 | $ 199,000 | $ 130,000 |
| Hamilton County Ohio | 3 | $ 467,000 | $ 155,000 | $ 98,000 |
| Flagler County Florida | 2 | $ 400,000 | $ 200,000 | $ 354,000 |
| Monroe County Indiana | 2 | $ 307,000 | $ 153,000 | $ 422,000 |
| Orange County Indiana | 2 | $ 174,000 | $ 87,000 | $ 54,000 |
| Perry County Indiana | 2 | $ 118,000 | $ 59,000 | $ 56,000 |
| Carroll County Kentucky | 2 | $ 238,000 | $ 119,000 | $ 93,000 |
| Laurel County Kentucky | 2 | $ 128,000 | $ 64,000 | $ 162,000 |
| Muhlenberg County Kentucky | 2 | $ 144,000 | $ 72,000 | $ 49,000 |
| Rockcastle County Kentucky | 2 | $ 180,000 | $ 90,000 | $ 59,000 |
| Russell County Kentucky | 2 | $ 289,000 | $ 144,000 | $ 100,000 |
| Taylor County Kentucky | 2 | $ 420,000 | $ 210,000 | $ 68,000 |
| Calhoun County Alabama | 1 | $ 10,000 | $ 10,000 | $ 38,000 |
| Bay County Florida | 1 | $ 174,000 | $ 174,000 | $ 91,000 |
| Miami-Dade County Florida | 1 | $ 308,000 | $ 308,000 | $ 592,000 |
| Okaloosa County Florida | 1 | $ 276,000 | $ 276,000 | $ 184,000 |
| Chatham County Georgia | 1 | $ 130,000 | $ 130,000 | $ 98,000 |
| Fulton County Georgia | 1 | $ 167,000 | $ 167,000 | $ 315,000 |
| DuPage County Illinois | 1 | $ 148,000 | $ 148,000 | $ 228,000 |
| Jefferson County Indiana | 1 | $ 30,000 | $ 30,000 | $ 105,000 |
| Marion County Indiana | 1 | $ 179,000 | $ 179,000 | $ 77,000 |
| Vanderburgh County Indiana | 1 | $ 224,000 | $ 224,000 | $ 115,000 |
| Johnson County Kansas | 1 | $ 167,000 | $ 167,000 | $ 99,000 |
| Boyd County Kentucky | 1 | $ 212,000 | $ 212,000 | $ 421,000 |
| Calloway County Kentucky | 1 | $ 266,000 | $ 266,000 | $ 120,000 |
| Christian County Kentucky | 1 | $ 20,000 | $ 20,000 | $ 41,000 |
| Clinton County Kentucky | 1 | $ 120,000 | $ 120,000 | $ 54,000 |
| Grant County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 79,000 |
| Green County Kentucky | 1 | $ 94,000 | $ 94,000 | $ 90,000 |
| Henderson County Kentucky | 1 | $ 130,000 | $ 130,000 | $ 30,000 |
| Lincoln County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 64,000 |
| Livingston County Kentucky | 1 | $ 40,000 | $ 40,000 | $ 42,000 |
| Lyon County Kentucky | 1 | $ 220,000 | $ 220,000 | $ 158,000 |
| Monroe County Kentucky | 1 | $ 64,000 | $ 64,000 | $ 21,000 |
| Pulaski County Kentucky | 1 | $ 180,000 | $ 180,000 | $ 168,000 |
| Todd County Kentucky | 1 | $ 53,000 | $ 53,000 | $ 27,000 |
| Wayne County Kentucky | 1 | $ 64,000 | $ 64,000 | $ 103,000 |
| Nantucket County Massachusetts | 1 | $ 1,675,000 | $ 1,675,000 | $ 846,000 |
| Clinton County Michigan | 1 | $ 241,000 | $ 241,000 | $ 105,000 |
| Ingham County Michigan | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Chesapeake County Virginia | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust Company in 2003
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 (home purchase or home improvement, one-to-four family) | 9,661 | $1,150,407,000 | $151,666 | $1,000,000 | $147,833 | $2,073,000 |
| Home Purchase (one-to-four family) | 2,430 | $306,477,000 | $352,875 | $1,870,000 | $205,625 | $1,107,000 |
| Home Improvement (one-to-four family) | 808 | $24,294,000 | $20,000 | $300,000 | $52,666 | $615,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 46 | $18,620,000 | $468,500 | $2,400,000 | $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 | 11,964 | $1,374,945,000 | $327,750 | $1,855,000 | $223,375 | $2,073,000 |
| Black | 465 | $47,588,000 | $160,333 | $630,000 | $82,666 | $626,000 |
| Asian or Pacific Islander | 185 | $27,879,000 | $153,000 | $2,400,000 | $76,250 | $672,000 |
| Other | 127 | $16,103,000 | $130,333 | $650,000 | $140,666 | $929,000 |
| Not applicable | 94 | $21,162,000 | $328,333 | $1,870,000 | $0 | $0 |
| Hispanic | 84 | $9,826,000 | $106,000 | $468,000 | $68,500 | $503,000 |
| Information not provided by applicant in mail or telephone application | 18 | $1,417,000 | $105,000 | $170,000 | $126,000 | $196,000 |
| American Indian or Alaskan Native | 8 | $878,000 | $109,000 | $228,000 | $84,000 | $139,000 |
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) | 12,639 | $1,466,931,000 | $282,545 | $2,400,000 | $187,727 | $2,073,000 |
| FHA-insured (Federal Housing Administration) | 207 | $20,999,000 | $98,000 | $302,000 | $42,000 | $224,000 |
| VA-guaranteed (Veterans Administration) | 99 | $11,868,000 | $116,500 | $203,000 | $49,000 | $165,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 10,439 | $1,209,892,000 | $320,111 | $2,400,000 | $208,555 | $2,073,000 |
| Application Withdrawn By Applicant | 1,895 | $227,843,000 | $169,250 | $1,000,000 | $172,500 | $1,026,000 |
| Application Denied By Financial Institution | 588 | $59,250,000 | $126,200 | $1,855,000 | $64,600 | $628,000 |
| Application Approved But Not Accepted | 20 | $2,457,000 | $121,000 | $254,000 | $59,000 | $109,000 |
| File Closed For Incompleteness | 3 | $356,000 | $111,500 | $200,000 | $47,000 | $79,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 286 | $30,213,000 | $135,666 | $504,000 | $55,333 | $373,000 |
| Credit History | 210 | $18,823,000 | $104,250 | $960,000 | $62,000 | $628,000 |
| Collateral | 37 | $4,652,000 | $93,000 | $1,855,000 | $41,500 | $593,000 |
| Other | 26 | $2,483,000 | $77,000 | $215,000 | $50,500 | $157,000 |
| Employment History | 16 | $1,191,000 | $74,000 | $194,000 | $30,000 | $62,000 |
| Credit Application Incomplete | 10 | $1,622,000 | $162,000 | $228,000 | $59,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $196,000 | $98,000 | $116,000 | $42,000 | $51,000 |
| Unverifiable Information | 1 | $70,000 | $70,000 | $70,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust Company's 2003 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 Company'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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