Republic Bank & Trust Mortgage Lending & HMDA Data, 2006
In 2006, Republic Bank & Trust of Louisville, KY reported 3,742 mortgage applications totaling $496.9 million, down 31% from 2005. The average application was for $132,796, and applicants reported an average income of $75,790. 92% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (2,549), Lexington-Fayette, KY (539) and Owensboro, KY (210) (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 | 3,742 |
| Total Mortgage Loan Application Amount | $496,924,000 |
| Average Mortgage Loan Application Amount | $132,796 |
| Highest Mortgage Loan Application Amount | $5,200,000 |
| Average Applicant Income | $75,790 |
| Highest Applicant Income | $1,289,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,772 | $ 234,418,000 | $ 132,290 | $ 76,000 |
| Fayette, Kentucky | 404 | $ 59,537,000 | $ 147,368 | $ 82,000 |
| Daviess, Kentucky | 202 | $ 18,617,000 | $ 92,163 | $ 55,000 |
| Clark, Indiana | 186 | $ 21,026,000 | $ 113,043 | $ 53,000 |
| Shelby, Kentucky | 134 | $ 17,217,000 | $ 128,485 | $ 71,000 |
| Oldham, Kentucky | 117 | $ 22,144,000 | $ 189,264 | $ 112,000 |
| Bullitt, Kentucky | 116 | $ 12,969,000 | $ 111,801 | $ 61,000 |
| Floyd, Indiana | 113 | $ 12,226,000 | $ 108,194 | $ 77,000 |
| Warren, Kentucky | 97 | $ 11,446,000 | $ 118,000 | $ 62,000 |
| Hardin, Kentucky | 91 | $ 14,082,000 | $ 154,747 | $ 72,000 |
| Franklin, Kentucky | 68 | $ 7,488,000 | $ 110,117 | $ 79,000 |
| Scott, Kentucky | 59 | $ 9,324,000 | $ 158,033 | $ 94,000 |
| Spencer, Kentucky | 42 | $ 5,190,000 | $ 123,571 | $ 93,000 |
| Jessamine, Kentucky | 37 | $ 7,370,000 | $ 199,189 | $ 100,000 |
| Kenton, Kentucky | 24 | $ 5,940,000 | $ 247,500 | $ 65,000 |
| Woodford, Kentucky | 23 | $ 3,492,000 | $ 151,826 | $ 71,000 |
| Nelson, Kentucky | 20 | $ 2,345,000 | $ 117,250 | $ 74,000 |
| Madison, Kentucky | 19 | $ 4,944,000 | $ 260,210 | $ 79,000 |
| Anderson, Kentucky | 18 | $ 2,425,000 | $ 134,722 | $ 62,000 |
| Henry, Kentucky | 18 | $ 1,787,000 | $ 99,277 | $ 60,000 |
| Harrison, Indiana | 14 | $ 1,518,000 | $ 108,428 | $ 71,000 |
| Meade, Kentucky | 14 | $ 1,543,000 | $ 110,214 | $ 62,000 |
| Barren, Kentucky | 10 | $ 881,000 | $ 88,100 | $ 37,000 |
| Grayson, Kentucky | 10 | $ 1,518,000 | $ 151,800 | $ 114,000 |
| Clark, Kentucky | 9 | $ 1,211,000 | $ 134,555 | $ 72,000 |
| Larue, Kentucky | 9 | $ 339,000 | $ 37,666 | $ 47,000 |
| Bourbon, Kentucky | 7 | $ 542,000 | $ 77,428 | $ 55,000 |
| Breckinridge, Kentucky | 7 | $ 528,000 | $ 75,428 | $ 157,000 |
| Garrard, Kentucky | 6 | $ 413,000 | $ 68,833 | $ 66,000 |
| Harrison, Kentucky | 6 | $ 713,000 | $ 118,833 | $ 61,000 |
| Scott, Indiana | 5 | $ 411,000 | $ 82,200 | $ 44,000 |
| Boyle, Kentucky | 5 | $ 634,000 | $ 126,800 | $ 85,000 |
| Edmonson, Kentucky | 5 | $ 702,000 | $ 140,400 | $ 300,000 |
| Hancock, Kentucky | 5 | $ 280,000 | $ 56,000 | $ 52,000 |
| Mercer, Kentucky | 5 | $ 531,000 | $ 106,200 | $ 126,000 |
| Ohio, Kentucky | 5 | $ 409,000 | $ 81,800 | $ 75,000 |
| Simpson, Kentucky | 5 | $ 265,000 | $ 53,000 | $ 67,000 |
| Campbell, Kentucky | 3 | $ 329,000 | $ 109,666 | $ 99,000 |
| Lincoln, Kentucky | 3 | $ 372,000 | $ 124,000 | $ 77,000 |
| McLean, Kentucky | 3 | $ 251,000 | $ 83,666 | $ 110,000 |
| Hamilton, Ohio | 3 | $ 361,000 | $ 120,333 | $ 96,000 |
| Pinellas, Florida | 2 | $ 590,000 | $ 295,000 | $ 348,000 |
| Warrick, Indiana | 2 | $ 925,000 | $ 462,500 | $ 33,000 |
| Washington, Indiana | 2 | $ 48,000 | $ 24,000 | $ 54,000 |
| Boone, Kentucky | 2 | $ 806,000 | $ 403,000 | $ 149,000 |
| Hart, Kentucky | 2 | $ 234,000 | $ 117,000 | $ 103,000 |
| Logan, Kentucky | 2 | $ 125,000 | $ 62,500 | $ 27,000 |
| Owen, Kentucky | 2 | $ 97,000 | $ 48,500 | $ 86,000 |
| Charleston, South Carolina | 2 | $ 689,000 | $ 344,500 | $ 286,000 |
| Wayne, West Virginia | 2 | $ 252,000 | $ 126,000 | $ 39,000 |
| Baldwin, Alabama | 1 | $ 550,000 | $ 550,000 | $ 250,000 |
| Hillsborough, Florida | 1 | $ 123,000 | $ 123,000 | $ 165,000 |
| Lee, Florida | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Crawford, Indiana | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Dubois, Indiana | 1 | $ 120,000 | $ 120,000 | $ 429,000 |
| Monroe, Indiana | 1 | $ 315,000 | $ 315,000 | $ 102,000 |
| Perry, Indiana | 1 | $ 50,000 | $ 50,000 | $ 18,000 |
| Spencer, Indiana | 1 | $ 100,000 | $ 100,000 | $ 90,000 |
| Boyd, Kentucky | 1 | $ 118,000 | $ 118,000 | $ 69,000 |
| Grant, Kentucky | 1 | $ 158,000 | $ 158,000 | $ 53,000 |
| Laurel, Kentucky | 1 | $ 203,000 | $ 203,000 | $ 439,000 |
| Lyon, Kentucky | 1 | $ 90,000 | $ 90,000 | $ 148,000 |
| Menifee, Kentucky | 1 | $ 40,000 | $ 40,000 | $ 53,000 |
| Montgomery, Kentucky | 1 | $ 71,000 | $ 71,000 | $ 34,000 |
| Nicholas, Kentucky | 1 | $ 137,000 | $ 137,000 | $ 79,000 |
| Powell, Kentucky | 1 | $ 21,000 | $ 21,000 | $ 83,000 |
| Rowan, Kentucky | 1 | $ 68,000 | $ 68,000 | $ 45,000 |
| Russell, Kentucky | 1 | $ 123,000 | $ 123,000 | $ 406,000 |
| Trimble, Kentucky | 1 | $ 147,000 | $ 147,000 | $ 71,000 |
| Washington, Kentucky | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Emmet, Michigan | 1 | $ 250,000 | $ 250,000 | $ 735,000 |
| Sussex, New Jersey | 1 | $ 500,000 | $ 500,000 | $ 383,000 |
| Horry, South Carolina | 1 | $ 192,000 | $ 192,000 | $ 312,000 |
| Jefferson, Tennessee | 1 | $ 230,000 | $ 230,000 | $ 199,000 |
| Wilson, Tennessee | 1 | $ 143,000 | $ 143,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2006
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 | 1,834 | $280,605,000 | $153,000 | $3,313,000 | $77,000 | $1,171,000 |
| Refinancing | 1,671 | $209,717,000 | $125,000 | $5,200,000 | $75,000 | $1,289,000 |
| Home Improvement | 237 | $6,602,000 | $27,000 | $1,074,000 | $72,000 | $690,000 |
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 | 3,166 | $399,727,000 | $126,000 | $1,800,000 | $80,000 | $1,289,000 |
| Not Provided | 169 | $10,202,000 | $60,000 | $671,000 | $67,000 | $489,000 |
| Black or African American | 134 | $12,400,000 | $92,000 | $430,000 | $65,000 | $308,000 |
| Not applicable | 109 | $50,576,000 | $464,000 | $5,200,000 | $0 | $0 |
| Hispanic | 77 | $9,617,000 | $124,000 | $420,000 | $62,000 | $640,000 |
| Asian | 74 | $12,052,000 | $162,000 | $865,000 | $81,000 | $518,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $2,056,000 | $186,000 | $784,000 | $121,000 | $494,000 |
| American Indian or Alaskan Native | 2 | $294,000 | $147,000 | $184,000 | $62,000 | $66,000 |
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) | 3,716 | $493,776,000 | $132,000 | $5,200,000 | $76,000 | $1,289,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,681,000 | $105,000 | $163,000 | $42,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,223,000 | $152,000 | $279,000 | $67,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $244,000 | $122,000 | $147,000 | $37,000 | $46,000 |
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 | 3,444 | $464,703,000 | $134,000 | $5,200,000 | $77,000 | $1,289,000 |
| Application Denied By Financial Institution | 122 | $10,130,000 | $83,000 | $3,000,000 | $52,000 | $300,000 |
| Application Approved But Not Accepted | 90 | $8,185,000 | $90,000 | $430,000 | $71,000 | $360,000 |
| Application Withdrawn By Applicant | 86 | $13,906,000 | $161,000 | $1,773,000 | $64,000 | $489,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 54 | $1,393,000 | $25,000 | $119,000 | $64,000 | $300,000 |
| Credit History | 35 | $558,000 | $15,000 | $74,000 | $53,000 | $147,000 |
| Employment History | 4 | $34,000 | $8,000 | $18,000 | $48,000 | $75,000 |
| Other | 3 | $214,000 | $71,000 | $151,000 | $51,000 | $63,000 |
| Collateral | 1 | $17,000 | $17,000 | $17,000 | $58,000 | $58,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2006 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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