Republic Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, Republic Bank & Trust of Louisville, KY reported 12,945 mortgage applications totaling $1.5 billion. The average application was for $115,859, and applicants reported an average income of $68,808. 81% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Louisville, KY-IN (6,760), Lexington, KY (1,919) and Owensboro, KY (542) (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 | 12,945 |
| Total Mortgage Loan Application Amount | $1,499,798,000 |
| Average Mortgage Loan Application Amount | $115,859 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $68,808 |
| Highest Applicant Income | $2,073,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 5,737 | $ 684,164,000 | $ 119,254 | $ 59,000 |
| Fayette, Kentucky | 1,456 | $ 184,076,000 | $ 126,425 | $ 68,000 |
| Franklin, Kentucky | 592 | $ 50,062,000 | $ 84,564 | $ 61,000 |
| Daviess, Kentucky | 542 | $ 46,974,000 | $ 86,667 | $ 53,000 |
| Oldham, Kentucky | 535 | $ 80,540,000 | $ 150,542 | $ 99,000 |
| Hardin, Kentucky | 509 | $ 55,374,000 | $ 108,789 | $ 91,000 |
| Bullitt, Kentucky | 488 | $ 53,250,000 | $ 109,118 | $ 55,000 |
| Shelby, Kentucky | 464 | $ 55,694,000 | $ 120,030 | $ 55,000 |
| Warren, Kentucky | 406 | $ 44,812,000 | $ 110,374 | $ 60,000 |
| Clark, Indiana | 399 | $ 42,718,000 | $ 107,062 | $ 55,000 |
| Floyd, Indiana | 332 | $ 37,638,000 | $ 113,367 | $ 68,000 |
| Spencer, Kentucky | 141 | $ 16,247,000 | $ 115,226 | $ 61,000 |
| Jessamine, Kentucky | 127 | $ 17,789,000 | $ 140,070 | $ 73,000 |
| Anderson, Kentucky | 126 | $ 12,377,000 | $ 98,230 | $ 54,000 |
| Scott, Kentucky | 117 | $ 14,232,000 | $ 121,641 | $ 55,000 |
| Nelson, Kentucky | 113 | $ 10,452,000 | $ 92,495 | $ 58,000 |
| Woodford, Kentucky | 101 | $ 12,330,000 | $ 122,079 | $ 80,000 |
| Meade, Kentucky | 91 | $ 8,914,000 | $ 97,956 | $ 62,000 |
| Harrison, Indiana | 69 | $ 8,308,000 | $ 120,405 | $ 63,000 |
| Madison, Kentucky | 64 | $ 7,909,000 | $ 123,578 | $ 68,000 |
| Henry, Kentucky | 51 | $ 4,569,000 | $ 89,588 | $ 55,000 |
| Larue, Kentucky | 44 | $ 4,212,000 | $ 95,727 | $ 47,000 |
| Grayson, Kentucky | 38 | $ 3,501,000 | $ 92,131 | $ 72,000 |
| Clark, Kentucky | 35 | $ 4,213,000 | $ 120,371 | $ 64,000 |
| Hancock, Kentucky | 24 | $ 1,806,000 | $ 75,250 | $ 54,000 |
| Ohio, Kentucky | 23 | $ 1,951,000 | $ 84,826 | $ 67,000 |
| Owen, Kentucky | 21 | $ 1,807,000 | $ 86,047 | $ 62,000 |
| Bourbon, Kentucky | 19 | $ 2,471,000 | $ 130,052 | $ 100,000 |
| Breckinridge, Kentucky | 18 | $ 1,380,000 | $ 76,666 | $ 83,000 |
| Logan, Kentucky | 18 | $ 1,671,000 | $ 92,833 | $ 49,000 |
| McCracken, Kentucky | 17 | $ 1,821,000 | $ 107,117 | $ 74,000 |
| Allen, Kentucky | 14 | $ 1,287,000 | $ 91,928 | $ 50,000 |
| Mercer, Kentucky | 14 | $ 1,679,000 | $ 119,928 | $ 87,000 |
| Scott, Indiana | 13 | $ 1,161,000 | $ 89,307 | $ 42,000 |
| Washington, Indiana | 13 | $ 1,482,000 | $ 114,000 | $ 69,000 |
| Edmonson, Kentucky | 12 | $ 1,005,000 | $ 83,750 | $ 65,000 |
| Garrard, Kentucky | 12 | $ 1,082,000 | $ 90,166 | $ 52,000 |
| Simpson, Kentucky | 12 | $ 1,162,000 | $ 96,833 | $ 65,000 |
| Butler, Kentucky | 10 | $ 1,071,000 | $ 107,100 | $ 49,000 |
| Montgomery, Kentucky | 10 | $ 871,000 | $ 87,100 | $ 46,000 |
| Hart, Kentucky | 8 | $ 910,000 | $ 113,750 | $ 50,000 |
| Trimble, Kentucky | 8 | $ 725,000 | $ 90,625 | $ 65,000 |
| Barren, Kentucky | 6 | $ 1,083,000 | $ 180,500 | $ 122,000 |
| Marion, Kentucky | 6 | $ 574,000 | $ 95,666 | $ 61,000 |
| Marshall, Kentucky | 6 | $ 451,000 | $ 75,166 | $ 107,000 |
| Washington, Kentucky | 6 | $ 538,000 | $ 89,666 | $ 45,000 |
| Spencer, Indiana | 5 | $ 425,000 | $ 85,000 | $ 88,000 |
| McLean, Kentucky | 5 | $ 303,000 | $ 60,600 | $ 64,000 |
| Boyle, Kentucky | 4 | $ 336,000 | $ 84,000 | $ 64,000 |
| Crawford, Indiana | 3 | $ 180,000 | $ 60,000 | $ 65,000 |
| Boone, Kentucky | 3 | $ 731,000 | $ 243,666 | $ 203,000 |
| Graves, Kentucky | 3 | $ 166,000 | $ 55,333 | $ 51,000 |
| Harrison, Kentucky | 3 | $ 597,000 | $ 199,000 | $ 130,000 |
| Hamilton, Ohio | 3 | $ 467,000 | $ 155,666 | $ 98,000 |
| Flagler, Florida | 2 | $ 400,000 | $ 200,000 | $ 354,000 |
| Monroe, Indiana | 2 | $ 307,000 | $ 153,500 | $ 422,000 |
| Orange, Indiana | 2 | $ 174,000 | $ 87,000 | $ 54,000 |
| Perry, Indiana | 2 | $ 118,000 | $ 59,000 | $ 56,000 |
| Carroll, Kentucky | 2 | $ 238,000 | $ 119,000 | $ 93,000 |
| Laurel, Kentucky | 2 | $ 128,000 | $ 64,000 | $ 162,000 |
| Muhlenberg, Kentucky | 2 | $ 144,000 | $ 72,000 | $ 49,000 |
| Rockcastle, Kentucky | 2 | $ 180,000 | $ 90,000 | $ 59,000 |
| Russell, Kentucky | 2 | $ 289,000 | $ 144,500 | $ 100,000 |
| Taylor, Kentucky | 2 | $ 420,000 | $ 210,000 | $ 68,000 |
| Calhoun, Alabama | 1 | $ 10,000 | $ 10,000 | $ 38,000 |
| Bay, Florida | 1 | $ 174,000 | $ 174,000 | $ 91,000 |
| Miami-Dade, Florida | 1 | $ 308,000 | $ 308,000 | $ 592,000 |
| Okaloosa, Florida | 1 | $ 276,000 | $ 276,000 | $ 184,000 |
| Chatham, Georgia | 1 | $ 130,000 | $ 130,000 | $ 98,000 |
| Fulton, Georgia | 1 | $ 167,000 | $ 167,000 | $ 315,000 |
| DuPage, Illinois | 1 | $ 148,000 | $ 148,000 | $ 228,000 |
| Jefferson, Indiana | 1 | $ 30,000 | $ 30,000 | $ 105,000 |
| Marion, Indiana | 1 | $ 179,000 | $ 179,000 | $ 77,000 |
| Vanderburgh, Indiana | 1 | $ 224,000 | $ 224,000 | $ 115,000 |
| Johnson, Kansas | 1 | $ 167,000 | $ 167,000 | $ 99,000 |
| Boyd, Kentucky | 1 | $ 212,000 | $ 212,000 | $ 421,000 |
| Calloway, Kentucky | 1 | $ 266,000 | $ 266,000 | $ 120,000 |
| Christian, Kentucky | 1 | $ 20,000 | $ 20,000 | $ 41,000 |
| Clinton, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 54,000 |
| Grant, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 79,000 |
| Green, Kentucky | 1 | $ 94,000 | $ 94,000 | $ 90,000 |
| Henderson, Kentucky | 1 | $ 130,000 | $ 130,000 | $ 30,000 |
| Lincoln, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 64,000 |
| Livingston, Kentucky | 1 | $ 40,000 | $ 40,000 | $ 42,000 |
| Lyon, Kentucky | 1 | $ 220,000 | $ 220,000 | $ 158,000 |
| Monroe, Kentucky | 1 | $ 64,000 | $ 64,000 | $ 21,000 |
| Pulaski, Kentucky | 1 | $ 180,000 | $ 180,000 | $ 168,000 |
| Todd, Kentucky | 1 | $ 53,000 | $ 53,000 | $ 27,000 |
| Wayne, Kentucky | 1 | $ 64,000 | $ 64,000 | $ 103,000 |
| Nantucket, Massachusetts | 1 | $ 1,675,000 | $ 1,675,000 | $ 846,000 |
| Clinton, Michigan | 1 | $ 241,000 | $ 241,000 | $ 105,000 |
| Ingham, Michigan | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Chesapeake, Virginia | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust 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'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'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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