Republic Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Republic Bank & Trust of Louisville, KY reported 5,420 mortgage applications totaling $709.3 million, up 5% from 2004. The average application was for $130,862, and applicants reported an average income of $64,935. 77% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Louisville, KY-IN (3,306), Lexington-Fayette, KY (820) and Owensboro, KY (318) (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 | 5,420 |
| Total Mortgage Loan Application Amount | $709,276,000 |
| Average Mortgage Loan Application Amount | $130,862 |
| Highest Mortgage Loan Application Amount | $1,956,000 |
| Average Applicant Income | $64,935 |
| Highest Applicant Income | $918,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,669 | $ 349,949,000 | $ 131,116 | $ 59,000 |
| Fayette, Kentucky | 625 | $ 88,649,000 | $ 141,838 | $ 58,000 |
| Daviess, Kentucky | 306 | $ 27,693,000 | $ 90,500 | $ 48,000 |
| Hardin, Kentucky | 182 | $ 20,547,000 | $ 112,895 | $ 61,000 |
| Shelby, Kentucky | 170 | $ 25,958,000 | $ 152,694 | $ 71,000 |
| Bullitt, Kentucky | 162 | $ 21,341,000 | $ 131,734 | $ 57,000 |
| Oldham, Kentucky | 160 | $ 32,481,000 | $ 203,006 | $ 102,000 |
| Franklin, Kentucky | 154 | $ 18,871,000 | $ 122,538 | $ 50,000 |
| Clark, Indiana | 150 | $ 15,964,000 | $ 106,426 | $ 63,000 |
| Warren, Kentucky | 129 | $ 15,335,000 | $ 118,875 | $ 49,000 |
| Floyd, Indiana | 112 | $ 15,029,000 | $ 134,187 | $ 68,000 |
| Scott, Kentucky | 102 | $ 13,695,000 | $ 134,264 | $ 70,000 |
| Spencer, Kentucky | 58 | $ 7,714,000 | $ 133,000 | $ 65,000 |
| Jessamine, Kentucky | 43 | $ 6,593,000 | $ 153,325 | $ 58,000 |
| Nelson, Kentucky | 42 | $ 5,150,000 | $ 122,619 | $ 69,000 |
| Madison, Kentucky | 34 | $ 5,108,000 | $ 150,235 | $ 83,000 |
| Anderson, Kentucky | 32 | $ 3,722,000 | $ 116,312 | $ 64,000 |
| Woodford, Kentucky | 28 | $ 4,653,000 | $ 166,178 | $ 111,000 |
| Meade, Kentucky | 27 | $ 2,427,000 | $ 89,888 | $ 49,000 |
| Harrison, Indiana | 26 | $ 3,301,000 | $ 126,961 | $ 77,000 |
| Clark, Kentucky | 15 | $ 2,081,000 | $ 138,733 | $ 54,000 |
| Henry, Kentucky | 14 | $ 1,853,000 | $ 132,357 | $ 93,000 |
| Ohio, Kentucky | 14 | $ 1,180,000 | $ 84,285 | $ 58,000 |
| Larue, Kentucky | 13 | $ 1,820,000 | $ 140,000 | $ 92,000 |
| Grayson, Kentucky | 11 | $ 852,000 | $ 77,454 | $ 82,000 |
| Breckinridge, Kentucky | 9 | $ 827,000 | $ 91,888 | $ 66,000 |
| Hart, Kentucky | 9 | $ 692,000 | $ 76,888 | $ 59,000 |
| Barren, Kentucky | 8 | $ 1,100,000 | $ 137,500 | $ 80,000 |
| Bourbon, Kentucky | 7 | $ 726,000 | $ 103,714 | $ 67,000 |
| Allen, Kentucky | 6 | $ 519,000 | $ 86,500 | $ 40,000 |
| Hancock, Kentucky | 6 | $ 480,000 | $ 80,000 | $ 41,000 |
| McLean, Kentucky | 6 | $ 470,000 | $ 78,333 | $ 54,000 |
| Butler, Kentucky | 5 | $ 410,000 | $ 82,000 | $ 44,000 |
| Logan, Kentucky | 5 | $ 1,321,000 | $ 264,200 | $ 33,000 |
| Mercer, Kentucky | 5 | $ 438,000 | $ 87,600 | $ 47,000 |
| Owen, Kentucky | 5 | $ 640,000 | $ 128,000 | $ 58,000 |
| Scott, Indiana | 4 | $ 283,000 | $ 70,750 | $ 61,000 |
| Washington, Indiana | 4 | $ 417,000 | $ 104,250 | $ 46,000 |
| Boyle, Kentucky | 4 | $ 650,000 | $ 162,500 | $ 32,000 |
| Edmonson, Kentucky | 4 | $ 225,000 | $ 56,250 | $ 34,000 |
| Harrison, Kentucky | 4 | $ 430,000 | $ 107,500 | $ 86,000 |
| Muhlenberg, Kentucky | 4 | $ 310,000 | $ 77,500 | $ 55,000 |
| Trimble, Kentucky | 4 | $ 468,000 | $ 117,000 | $ 66,000 |
| Pinellas, Florida | 3 | $ 634,000 | $ 211,333 | $ 26,000 |
| Garrard, Kentucky | 3 | $ 520,000 | $ 173,333 | $ 106,000 |
| Henderson, Kentucky | 3 | $ 263,000 | $ 87,666 | $ 46,000 |
| Lee, Florida | 2 | $ 417,000 | $ 208,500 | $ 308,000 |
| Calloway, Kentucky | 2 | $ 127,000 | $ 63,500 | $ 85,000 |
| Kenton, Kentucky | 2 | $ 167,000 | $ 83,500 | $ 192,000 |
| Marion, Kentucky | 2 | $ 300,000 | $ 150,000 | $ 94,000 |
| Marshall, Kentucky | 2 | $ 136,000 | $ 68,000 | $ 51,000 |
| Riverside, California | 1 | $ 217,000 | $ 217,000 | $ 305,000 |
| Bay, Florida | 1 | $ 284,000 | $ 284,000 | $ 345,000 |
| Polk, Florida | 1 | $ 213,000 | $ 213,000 | $ 210,000 |
| Sarasota, Florida | 1 | $ 144,000 | $ 144,000 | $ 81,000 |
| Bartholomew, Indiana | 1 | $ 164,000 | $ 164,000 | $ 212,000 |
| Crawford, Indiana | 1 | $ 32,000 | $ 32,000 | $ 39,000 |
| Hamilton, Indiana | 1 | $ 153,000 | $ 153,000 | $ 76,000 |
| Marion, Indiana | 1 | $ 105,000 | $ 105,000 | $ 143,000 |
| Monroe, Indiana | 1 | $ 294,000 | $ 294,000 | $ 85,000 |
| Spencer, Indiana | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| Vanderburgh, Indiana | 1 | $ 240,000 | $ 240,000 | $ 173,000 |
| Graves, Kentucky | 1 | $ 12,000 | $ 12,000 | $ 69,000 |
| Hickman, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 495,000 |
| Knox, Kentucky | 1 | $ 104,000 | $ 104,000 | $ 144,000 |
| Mason, Kentucky | 1 | $ 82,000 | $ 82,000 | $ 77,000 |
| McCracken, Kentucky | 1 | $ 88,000 | $ 88,000 | $ 50,000 |
| Montgomery, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Pulaski, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 160,000 |
| Rowan, Kentucky | 1 | $ 58,000 | $ 58,000 | $ 52,000 |
| Russell, Kentucky | 1 | $ 53,000 | $ 53,000 | $ 218,000 |
| Simpson, Kentucky | 1 | $ 150,000 | $ 150,000 | $ 72,000 |
| Washington, Pennsylvania | 1 | $ 469,000 | $ 469,000 | $ 444,000 |
| Charleston, South Carolina | 1 | $ 716,000 | $ 716,000 | $ 239,000 |
| Sevier, Tennessee | 1 | $ 427,000 | $ 427,000 | $ 225,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2005
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 | 2,677 | $352,925,000 | $155,333 | $1,956,000 | $118,000 | $773,000 |
| Home Purchase | 2,508 | $341,439,000 | $346,000 | $1,080,000 | $201,666 | $918,000 |
| Home Improvement | 235 | $14,912,000 | $126,666 | $650,000 | $141,333 | $495,000 |
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 | 4,539 | $597,323,000 | $325,142 | $1,080,000 | $220,142 | $918,000 |
| Not Provided | 374 | $37,425,000 | $98,666 | $1,038,000 | $158,666 | $416,000 |
| Black or African American | 240 | $27,776,000 | $109,000 | $810,000 | $51,500 | $475,000 |
| Asian | 108 | $16,620,000 | $127,000 | $544,000 | $101,000 | $225,000 |
| Hispanic | 90 | $11,912,000 | $132,000 | $496,000 | $64,000 | $366,000 |
| Not applicable | 54 | $16,275,000 | $269,666 | $1,956,000 | $0 | $0 |
| American Indian or Alaskan Native | 8 | $871,000 | $108,000 | $182,000 | $76,000 | $146,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,074,000 | $136,500 | $352,000 | $66,000 | $166,000 |
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) | 5,314 | $697,187,000 | $327,142 | $1,956,000 | $219,857 | $918,000 |
| FHA-insured (Federal Housing Administration) | 76 | $7,852,000 | $102,500 | $168,000 | $37,500 | $91,000 |
| VA-guaranteed (Veterans Administration) | 30 | $4,237,000 | $132,000 | $310,000 | $50,500 | $122,000 |
| 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 | 4,150 | $548,183,000 | $330,571 | $1,956,000 | $218,285 | $773,000 |
| Application Withdrawn By Applicant | 454 | $57,912,000 | $104,333 | $1,080,000 | $151,333 | $918,000 |
| Application Denied By Financial Institution | 410 | $48,203,000 | $112,000 | $653,000 | $50,000 | $442,000 |
| Application Approved But Not Accepted | 363 | $50,948,000 | $129,000 | $738,000 | $71,000 | $600,000 |
| Loan Purchased By The Institution | 43 | $4,030,000 | $93,000 | $221,000 | $34,000 | $50,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 172 | $18,645,000 | $92,500 | $508,000 | $55,500 | $394,000 |
| Debt-To-Income Ratio | 169 | $22,175,000 | $127,500 | $653,000 | $41,500 | $442,000 |
| Other | 28 | $3,122,000 | $102,000 | $320,000 | $57,000 | $247,000 |
| Employment History | 22 | $1,973,000 | $117,000 | $160,000 | $44,000 | $81,000 |
| Collateral | 16 | $1,984,000 | $159,000 | $338,000 | $81,500 | $117,000 |
| Unverifiable Information | 2 | $140,000 | $70,000 | $115,000 | $52,000 | $78,000 |
| Credit Application Incomplete | 1 | $164,000 | $164,000 | $164,000 | $10,000 | $10,000 |
| 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 2005 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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