Republic Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, Republic Bank & Trust of Louisville, KY reported 5,143 mortgage applications totaling $698.6 million, down 60% from 2003. The average application was for $135,830, and applicants reported an average income of $70,566. 76% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Louisville, KY-IN (3,063), Lexington-Fayette, KY (782) and Owensboro, KY (247) (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 | 5,143 |
| Total Mortgage Loan Application Amount | $698,578,000 |
| Average Mortgage Loan Application Amount | $135,830 |
| Highest Mortgage Loan Application Amount | $3,750,000 |
| Average Applicant Income | $70,566 |
| Highest Applicant Income | $6,172,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,404 | $ 332,638,000 | $ 138,368 | $ 70,000 |
| Fayette, Kentucky | 636 | $ 93,960,000 | $ 147,735 | $ 68,000 |
| Daviess, Kentucky | 232 | $ 20,568,000 | $ 88,655 | $ 64,000 |
| Franklin, Kentucky | 199 | $ 23,180,000 | $ 116,482 | $ 66,000 |
| Bullitt, Kentucky | 179 | $ 21,724,000 | $ 121,363 | $ 57,000 |
| Oldham, Kentucky | 177 | $ 39,482,000 | $ 223,062 | $ 105,000 |
| Shelby, Kentucky | 175 | $ 24,152,000 | $ 138,011 | $ 67,000 |
| Hardin, Kentucky | 164 | $ 19,600,000 | $ 119,512 | $ 57,000 |
| Warren, Kentucky | 151 | $ 17,989,000 | $ 119,132 | $ 48,000 |
| Clark, Indiana | 148 | $ 16,680,000 | $ 112,702 | $ 49,000 |
| Floyd, Indiana | 102 | $ 12,608,000 | $ 123,607 | $ 72,000 |
| Scott, Kentucky | 63 | $ 8,575,000 | $ 136,111 | $ 67,000 |
| Spencer, Kentucky | 49 | $ 6,328,000 | $ 129,142 | $ 58,000 |
| Nelson, Kentucky | 41 | $ 4,881,000 | $ 119,048 | $ 75,000 |
| Anderson, Kentucky | 38 | $ 4,486,000 | $ 118,052 | $ 62,000 |
| Jessamine, Kentucky | 36 | $ 5,956,000 | $ 165,444 | $ 92,000 |
| Woodford, Kentucky | 32 | $ 6,051,000 | $ 189,093 | $ 84,000 |
| Madison, Kentucky | 29 | $ 4,522,000 | $ 155,931 | $ 64,000 |
| Meade, Kentucky | 23 | $ 2,202,000 | $ 95,739 | $ 66,000 |
| Ohio, Kentucky | 21 | $ 1,974,000 | $ 94,000 | $ 74,000 |
| Harrison, Indiana | 18 | $ 2,385,000 | $ 132,500 | $ 70,000 |
| Larue, Kentucky | 13 | $ 1,093,000 | $ 84,076 | $ 61,000 |
| Grayson, Kentucky | 12 | $ 1,055,000 | $ 87,916 | $ 56,000 |
| Harrison, Kentucky | 12 | $ 1,668,000 | $ 139,000 | $ 69,000 |
| Henry, Kentucky | 12 | $ 1,312,000 | $ 109,333 | $ 48,000 |
| Hancock, Kentucky | 11 | $ 980,000 | $ 89,090 | $ 61,000 |
| Clark, Kentucky | 10 | $ 1,604,000 | $ 160,400 | $ 90,000 |
| Allen, Kentucky | 9 | $ 1,255,000 | $ 139,444 | $ 92,000 |
| Edmonson, Kentucky | 8 | $ 522,000 | $ 65,250 | $ 49,000 |
| Owen, Kentucky | 8 | $ 555,000 | $ 69,375 | $ 50,000 |
| Breckinridge, Kentucky | 7 | $ 563,000 | $ 80,428 | $ 50,000 |
| Barren, Kentucky | 6 | $ 630,000 | $ 105,000 | $ 85,000 |
| Scott, Indiana | 5 | $ 901,000 | $ 180,200 | $ 39,000 |
| Bourbon, Kentucky | 5 | $ 501,000 | $ 100,200 | $ 82,000 |
| Boyle, Kentucky | 5 | $ 494,000 | $ 98,800 | $ 67,000 |
| Garrard, Kentucky | 5 | $ 579,000 | $ 115,800 | $ 75,000 |
| Hart, Kentucky | 5 | $ 307,000 | $ 61,400 | $ 59,000 |
| Simpson, Kentucky | 5 | $ 602,000 | $ 120,400 | $ 66,000 |
| Orange, Indiana | 4 | $ 546,000 | $ 136,500 | $ 43,000 |
| McLean, Kentucky | 4 | $ 326,000 | $ 81,500 | $ 58,000 |
| Washington, Indiana | 3 | $ 364,000 | $ 121,333 | $ 69,000 |
| Campbell, Kentucky | 3 | $ 560,000 | $ 186,666 | $ 91,000 |
| Logan, Kentucky | 3 | $ 293,000 | $ 97,666 | $ 39,000 |
| Marion, Kentucky | 3 | $ 265,000 | $ 88,333 | $ 68,000 |
| Mercer, Kentucky | 3 | $ 276,000 | $ 92,000 | $ 77,000 |
| Montgomery, Kentucky | 3 | $ 300,000 | $ 100,000 | $ 73,000 |
| Trimble, Kentucky | 3 | $ 414,000 | $ 138,000 | $ 56,000 |
| Bay, Florida | 2 | $ 348,000 | $ 174,000 | $ 94,000 |
| Collier, Florida | 2 | $ 630,000 | $ 315,000 | $ 100,000 |
| Monroe, Florida | 2 | $ 499,000 | $ 249,500 | $ 153,000 |
| Sarasota, Florida | 2 | $ 811,000 | $ 405,500 | $ 330,000 |
| Marion, Indiana | 2 | $ 324,000 | $ 162,000 | $ 76,000 |
| Spencer, Indiana | 2 | $ 153,000 | $ 76,500 | $ 91,000 |
| Butler, Kentucky | 2 | $ 74,000 | $ 37,000 | $ 82,000 |
| Graves, Kentucky | 2 | $ 74,000 | $ 37,000 | $ 47,000 |
| Hopkins, Kentucky | 2 | $ 530,000 | $ 265,000 | $ 223,000 |
| Marshall, Kentucky | 2 | $ 158,000 | $ 79,000 | $ 59,000 |
| Pulaski, Kentucky | 2 | $ 261,000 | $ 130,500 | $ 81,000 |
| Washington, Kentucky | 2 | $ 202,000 | $ 101,000 | $ 42,000 |
| Broward, Florida | 1 | $ 290,000 | $ 290,000 | $ 297,000 |
| Hillsborough, Florida | 1 | $ 106,000 | $ 106,000 | $ 61,000 |
| Lee, Florida | 1 | $ 230,000 | $ 230,000 | $ 227,000 |
| Manatee, Florida | 1 | $ 540,000 | $ 540,000 | $ 600,000 |
| Miami-Dade, Florida | 1 | $ 166,000 | $ 166,000 | $ 131,000 |
| Okaloosa, Florida | 1 | $ 405,000 | $ 405,000 | $ 360,000 |
| Orange, Florida | 1 | $ 650,000 | $ 650,000 | $ 324,000 |
| Pasco, Florida | 1 | $ 76,000 | $ 76,000 | $ 100,000 |
| Pinellas, Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Polk, Florida | 1 | $ 70,000 | $ 70,000 | $ 78,000 |
| Brown, Indiana | 1 | $ 145,000 | $ 145,000 | $ 140,000 |
| Crawford, Indiana | 1 | $ 105,000 | $ 105,000 | $ 57,000 |
| Gibson, Indiana | 1 | $ 70,000 | $ 70,000 | $ 182,000 |
| Hamilton, Indiana | 1 | $ 218,000 | $ 218,000 | $ 160,000 |
| Jefferson, Indiana | 1 | $ 35,000 | $ 35,000 | $ 112,000 |
| Madison, Indiana | 1 | $ 131,000 | $ 131,000 | $ 81,000 |
| Vanderburgh, Indiana | 1 | $ 74,000 | $ 74,000 | $ 35,000 |
| Boone, Kentucky | 1 | $ 124,000 | $ 124,000 | $ 61,000 |
| Grant, Kentucky | 1 | $ 153,000 | $ 153,000 | $ 89,000 |
| Knox, Kentucky | 1 | $ 300,000 | $ 300,000 | $ 687,000 |
| Laurel, Kentucky | 1 | $ 69,000 | $ 69,000 | $ 69,000 |
| Lincoln, Kentucky | 1 | $ 163,000 | $ 163,000 | $ 78,000 |
| McCracken, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 18,000 |
| Monroe, Kentucky | 1 | $ 119,000 | $ 119,000 | $ 49,000 |
| Muhlenberg, Kentucky | 1 | $ 83,000 | $ 83,000 | $ 71,000 |
| Nicholas, Kentucky | 1 | $ 11,000 | $ 11,000 | $ 23,000 |
| Pike, Kentucky | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Rockcastle, Kentucky | 1 | $ 89,000 | $ 89,000 | $ 24,000 |
| Russell, Kentucky | 1 | $ 202,000 | $ 202,000 | $ 271,000 |
| Taylor, Kentucky | 1 | $ 160,000 | $ 160,000 | $ 88,000 |
| Todd, Kentucky | 1 | $ 53,000 | $ 53,000 | $ 29,000 |
| Wolfe, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Hancock, Maine | 1 | $ 550,000 | $ 550,000 | $ 111,000 |
| Charleston, South Carolina | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Horry, South Carolina | 1 | $ 168,000 | $ 168,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2004
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 | 2,770 | $368,917,000 | $250,750 | $3,150,000 | $143,750 | $925,000 |
| Home Purchase | 2,256 | $325,493,000 | $263,250 | $3,750,000 | $90,250 | $6,172,000 |
| Home Improvement | 117 | $4,168,000 | $53,000 | $333,000 | $56,000 | $149,000 |
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 | 4,390 | $577,066,000 | $246,600 | $3,150,000 | $115,000 | $933,000 |
| Black or African American | 254 | $29,292,000 | $127,500 | $732,000 | $68,500 | $6,172,000 |
| Not Provided | 158 | $20,563,000 | $127,000 | $655,000 | $77,500 | $684,000 |
| Not applicable | 133 | $41,085,000 | $514,000 | $3,750,000 | $250 | $130,000 |
| Asian | 124 | $21,275,000 | $151,333 | $628,000 | $83,000 | $458,000 |
| Hispanic | 67 | $6,917,000 | $96,500 | $247,000 | $46,500 | $216,000 |
| American Indian or Alaskan Native | 10 | $1,370,000 | $113,500 | $365,000 | $37,500 | $64,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,010,000 | $156,500 | $320,000 | $83,000 | $168,000 |
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) | 5,000 | $683,487,000 | $317,200 | $3,750,000 | $99,400 | $6,172,000 |
| FHA-insured (Federal Housing Administration) | 113 | $11,079,000 | $103,500 | $167,000 | $43,000 | $933,000 |
| VA-guaranteed (Veterans Administration) | 30 | $4,012,000 | $113,500 | $219,000 | $48,000 | $87,000 |
| 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 | 3,891 | $539,210,000 | $248,250 | $3,750,000 | $93,500 | $915,000 |
| Application Withdrawn By Applicant | 545 | $68,194,000 | $298,500 | $1,100,000 | $109,500 | $933,000 |
| Application Denied By Financial Institution | 441 | $51,977,000 | $167,333 | $1,680,000 | $114,000 | $687,000 |
| Application Approved But Not Accepted | 266 | $39,197,000 | $209,333 | $750,000 | $124,666 | $6,172,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 182 | $19,480,000 | $197,000 | $630,000 | $150,666 | $360,000 |
| Debt-To-Income Ratio | 167 | $22,232,000 | $130,000 | $1,680,000 | $68,666 | $451,000 |
| Other | 27 | $3,286,000 | $118,000 | $334,000 | $90,000 | $687,000 |
| Collateral | 17 | $2,193,000 | $141,000 | $693,000 | $72,500 | $295,000 |
| Employment History | 16 | $1,769,000 | $113,500 | $228,000 | $43,000 | $90,000 |
| Credit Application Incomplete | 3 | $173,000 | $57,000 | $125,000 | $22,000 | $45,000 |
| Unverifiable Information | 3 | $291,000 | $97,000 | $180,000 | $82,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $374,000 | $187,000 | $261,000 | $103,500 | $116,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2004 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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