Republic Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Republic Bank & Trust of Louisville, KY reported 3,990 mortgage applications totaling $544.2 million, up 7% from 2006. The average application was for $136,383, and applicants reported an average income of $74,339. 78% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (2,646), Lexington-Fayette, KY (578) and Owensboro, KY (224) (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 | 3,990 |
| Total Mortgage Loan Application Amount | $544,169,000 |
| Average Mortgage Loan Application Amount | $136,383 |
| Highest Mortgage Loan Application Amount | $5,836,000 |
| Average Applicant Income | $74,339 |
| Highest Applicant Income | $1,103,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,881 | $ 253,676,000 | $ 134,862 | $ 76,000 |
| Fayette, Kentucky | 454 | $ 71,504,000 | $ 157,497 | $ 74,000 |
| Daviess, Kentucky | 218 | $ 21,889,000 | $ 100,408 | $ 63,000 |
| Clark, Indiana | 214 | $ 21,428,000 | $ 100,130 | $ 62,000 |
| Floyd, Indiana | 135 | $ 19,074,000 | $ 141,288 | $ 76,000 |
| Bullitt, Kentucky | 121 | $ 14,987,000 | $ 123,859 | $ 58,000 |
| Hardin, Kentucky | 115 | $ 10,913,000 | $ 94,895 | $ 72,000 |
| Shelby, Kentucky | 114 | $ 15,152,000 | $ 132,912 | $ 76,000 |
| Oldham, Kentucky | 98 | $ 20,467,000 | $ 208,846 | $ 116,000 |
| Franklin, Kentucky | 90 | $ 8,432,000 | $ 93,688 | $ 72,000 |
| Warren, Kentucky | 81 | $ 7,551,000 | $ 93,222 | $ 63,000 |
| Scott, Kentucky | 71 | $ 8,535,000 | $ 120,211 | $ 78,000 |
| Kenton, Kentucky | 51 | $ 15,894,000 | $ 311,647 | $ 44,000 |
| Spencer, Kentucky | 26 | $ 4,114,000 | $ 158,230 | $ 64,000 |
| Jessamine, Kentucky | 25 | $ 4,131,000 | $ 165,240 | $ 107,000 |
| Nelson, Kentucky | 16 | $ 1,562,000 | $ 97,625 | $ 62,000 |
| Madison, Kentucky | 15 | $ 3,909,000 | $ 260,600 | $ 79,000 |
| Ohio, Kentucky | 15 | $ 1,209,000 | $ 80,600 | $ 70,000 |
| Harrison, Indiana | 14 | $ 1,511,000 | $ 107,928 | $ 72,000 |
| Grayson, Kentucky | 14 | $ 1,067,000 | $ 76,214 | $ 63,000 |
| Anderson, Kentucky | 13 | $ 1,112,000 | $ 85,538 | $ 59,000 |
| Campbell, Kentucky | 13 | $ 8,563,000 | $ 658,692 | $ 32,000 |
| Larue, Kentucky | 12 | $ 756,000 | $ 63,000 | $ 59,000 |
| Woodford, Kentucky | 11 | $ 1,334,000 | $ 121,272 | $ 83,000 |
| Bourbon, Kentucky | 10 | $ 1,032,000 | $ 103,200 | $ 50,000 |
| Harrison, Kentucky | 10 | $ 987,000 | $ 98,700 | $ 54,000 |
| Henry, Kentucky | 10 | $ 937,000 | $ 93,700 | $ 55,000 |
| Meade, Kentucky | 10 | $ 565,000 | $ 56,500 | $ 88,000 |
| Hamilton, Ohio | 10 | $ 2,301,000 | $ 230,100 | $ 67,000 |
| Allen, Kentucky | 8 | $ 767,000 | $ 95,875 | $ 65,000 |
| Barren, Kentucky | 8 | $ 759,000 | $ 94,875 | $ 83,000 |
| Washington, Indiana | 7 | $ 639,000 | $ 91,285 | $ 55,000 |
| Clark, Kentucky | 7 | $ 871,000 | $ 124,428 | $ 99,000 |
| Owen, Kentucky | 5 | $ 245,000 | $ 49,000 | $ 48,000 |
| Boone, Kentucky | 4 | $ 808,000 | $ 202,000 | $ 70,000 |
| Hancock, Kentucky | 4 | $ 289,000 | $ 72,250 | $ 44,000 |
| Hart, Kentucky | 4 | $ 247,000 | $ 61,750 | $ 83,000 |
| Mercer, Kentucky | 4 | $ 687,000 | $ 171,750 | $ 224,000 |
| Lee, Florida | 3 | $ 956,000 | $ 318,666 | $ 143,000 |
| Jefferson, Indiana | 3 | $ 593,000 | $ 197,666 | $ 52,000 |
| Scott, Indiana | 3 | $ 1,589,000 | $ 529,666 | $ 34,000 |
| Garrard, Kentucky | 3 | $ 323,000 | $ 107,666 | $ 79,000 |
| Indian River, Florida | 2 | $ 1,404,000 | $ 702,000 | $ 0 |
| Pinellas, Florida | 2 | $ 663,000 | $ 331,500 | $ 480,000 |
| Monroe, Indiana | 2 | $ 444,000 | $ 222,000 | $ 79,000 |
| Breckinridge, Kentucky | 2 | $ 217,000 | $ 108,500 | $ 167,000 |
| Edmonson, Kentucky | 2 | $ 369,000 | $ 184,500 | $ 254,000 |
| Logan, Kentucky | 2 | $ 205,000 | $ 102,500 | $ 95,000 |
| McCracken, Kentucky | 2 | $ 244,000 | $ 122,000 | $ 39,000 |
| McLean, Kentucky | 2 | $ 137,000 | $ 68,500 | $ 65,000 |
| Montgomery, Kentucky | 2 | $ 196,000 | $ 98,000 | $ 69,000 |
| Pulaski, Kentucky | 2 | $ 90,000 | $ 45,000 | $ 37,000 |
| Simpson, Kentucky | 2 | $ 185,000 | $ 92,500 | $ 55,000 |
| Trigg, Kentucky | 2 | $ 184,000 | $ 92,000 | $ 74,000 |
| Alameda, California | 1 | $ 512,000 | $ 512,000 | $ 360,000 |
| Brevard, Florida | 1 | $ 117,000 | $ 117,000 | $ 122,000 |
| Collier, Florida | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Pasco, Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Crawford, Indiana | 1 | $ 72,000 | $ 72,000 | $ 191,000 |
| Grant, Indiana | 1 | $ 11,000 | $ 11,000 | $ 49,000 |
| Jackson, Indiana | 1 | $ 158,000 | $ 158,000 | $ 221,000 |
| Orange, Indiana | 1 | $ 50,000 | $ 50,000 | $ 92,000 |
| Spencer, Indiana | 1 | $ 30,000 | $ 30,000 | $ 90,000 |
| Tippecanoe, Indiana | 1 | $ 124,000 | $ 124,000 | $ 82,000 |
| Bath, Kentucky | 1 | $ 74,000 | $ 74,000 | $ 82,000 |
| Boyd, Kentucky | 1 | $ 440,000 | $ 440,000 | $ 478,000 |
| Boyle, Kentucky | 1 | $ 76,000 | $ 76,000 | $ 17,000 |
| Calloway, Kentucky | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Cumberland, Kentucky | 1 | $ 160,000 | $ 160,000 | $ 193,000 |
| Estill, Kentucky | 1 | $ 168,000 | $ 168,000 | $ 49,000 |
| Grant, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 31,000 |
| Johnson, Kentucky | 1 | $ 230,000 | $ 230,000 | $ 300,000 |
| Lincoln, Kentucky | 1 | $ 69,000 | $ 69,000 | $ 42,000 |
| Livingston, Kentucky | 1 | $ 324,000 | $ 324,000 | $ 178,000 |
| Marshall, Kentucky | 1 | $ 348,000 | $ 348,000 | $ 426,000 |
| Mason, Kentucky | 1 | $ 77,000 | $ 77,000 | $ 130,000 |
| Nicholas, Kentucky | 1 | $ 63,000 | $ 63,000 | $ 50,000 |
| Pendleton, Kentucky | 1 | $ 89,000 | $ 89,000 | $ 27,000 |
| Perry, Kentucky | 1 | $ 60,000 | $ 60,000 | $ 224,000 |
| Powell, Kentucky | 1 | $ 91,000 | $ 91,000 | $ 83,000 |
| Taylor, Kentucky | 1 | $ 48,000 | $ 48,000 | $ 57,000 |
| Washington, Kentucky | 1 | $ 52,000 | $ 52,000 | $ 76,000 |
| Whitley, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Clermont, Ohio | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Warren, Ohio | 1 | $ 160,000 | $ 160,000 | $ 66,000 |
| Charleston, South Carolina | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Cumberland, Tennessee | 1 | $ 685,000 | $ 685,000 | $ 455,000 |
| Williamson, Tennessee | 1 | $ 369,000 | $ 369,000 | $ 117,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2007
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 | 1,964 | $300,727,000 | $153,000 | $5,836,000 | $73,000 | $1,100,000 |
| Refinancing | 1,782 | $234,105,000 | $131,000 | $2,525,000 | $76,000 | $936,000 |
| Home Improvement | 244 | $9,337,000 | $38,000 | $1,758,000 | $73,000 | $1,103,000 |
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 | 3,202 | $410,975,000 | $128,000 | $1,620,000 | $79,000 | $1,100,000 |
| Not Provided | 264 | $29,274,000 | $110,000 | $1,872,000 | $68,000 | $844,000 |
| Not applicable | 165 | $61,671,000 | $373,000 | $5,836,000 | $0 | $74,000 |
| Black or African American | 153 | $14,915,000 | $97,000 | $543,000 | $61,000 | $252,000 |
| Hispanic | 120 | $13,462,000 | $112,000 | $304,000 | $49,000 | $120,000 |
| Asian | 73 | $10,749,000 | $147,000 | $800,000 | $109,000 | $827,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,219,000 | $317,000 | $1,500,000 | $280,000 | $1,103,000 |
| American Indian or Alaskan Native | 6 | $904,000 | $150,000 | $512,000 | $131,000 | $360,000 |
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) | 3,953 | $539,732,000 | $136,000 | $5,836,000 | $75,000 | $1,103,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,403,000 | $113,000 | $197,000 | $54,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,034,000 | $147,000 | $260,000 | $66,000 | $148,000 |
| 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 | 3,104 | $418,652,000 | $134,000 | $5,836,000 | $75,000 | $1,100,000 |
| Application Approved But Not Accepted | 452 | $63,127,000 | $139,000 | $1,700,000 | $80,000 | $1,103,000 |
| Application Denied By Financial Institution | 261 | $27,222,000 | $104,000 | $1,758,000 | $55,000 | $376,000 |
| Application Withdrawn By Applicant | 164 | $33,406,000 | $203,000 | $1,880,000 | $63,000 | $761,000 |
| File Closed For Incompleteness | 9 | $1,762,000 | $195,000 | $800,000 | $166,000 | $827,000 |
| 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 | 108 | $9,284,000 | $85,000 | $495,000 | $58,000 | $258,000 |
| Credit History | 86 | $4,753,000 | $55,000 | $248,000 | $53,000 | $122,000 |
| Employment History | 14 | $1,137,000 | $81,000 | $395,000 | $80,000 | $376,000 |
| Other | 8 | $644,000 | $80,000 | $202,000 | $72,000 | $200,000 |
| Collateral | 4 | $201,000 | $50,000 | $135,000 | $71,000 | $96,000 |
| Credit Application Incomplete | 1 | $115,000 | $115,000 | $115,000 | $158,000 | $158,000 |
| 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 2007 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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