Republic Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, Republic Bank & Trust of Louisville, KY reported 4,315 mortgage applications totaling $659.8 million, up 8% from 2007. The average application was for $152,900, and applicants reported an average income of $82,110. 58% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (2,923), Lexington-Fayette, KY (579) and Owensboro, KY (252) (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 | 4,315 |
| Total Mortgage Loan Application Amount | $659,765,000 |
| Average Mortgage Loan Application Amount | $152,900 |
| Highest Mortgage Loan Application Amount | $2,650,000 |
| Average Applicant Income | $82,110 |
| Highest Applicant Income | $4,360,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,004 | $ 315,106,000 | $ 157,238 | $ 82,000 |
| Fayette, Kentucky | 436 | $ 77,169,000 | $ 176,993 | $ 94,000 |
| Daviess, Kentucky | 242 | $ 26,568,000 | $ 109,785 | $ 75,000 |
| Clark, Indiana | 204 | $ 23,898,000 | $ 117,147 | $ 64,000 |
| Floyd, Indiana | 169 | $ 25,390,000 | $ 150,236 | $ 76,000 |
| Bullitt, Kentucky | 154 | $ 18,959,000 | $ 123,110 | $ 62,000 |
| Oldham, Kentucky | 146 | $ 31,418,000 | $ 215,191 | $ 157,000 |
| Shelby, Kentucky | 110 | $ 17,407,000 | $ 158,245 | $ 72,000 |
| Warren, Kentucky | 109 | $ 12,803,000 | $ 117,458 | $ 61,000 |
| Hardin, Kentucky | 108 | $ 12,501,000 | $ 115,750 | $ 64,000 |
| Scott, Kentucky | 86 | $ 14,026,000 | $ 163,093 | $ 76,000 |
| Franklin, Kentucky | 60 | $ 7,550,000 | $ 125,833 | $ 70,000 |
| Spencer, Kentucky | 53 | $ 8,135,000 | $ 153,490 | $ 76,000 |
| Kenton, Kentucky | 52 | $ 9,743,000 | $ 187,365 | $ 68,000 |
| Jessamine, Kentucky | 31 | $ 7,414,000 | $ 239,161 | $ 96,000 |
| Nelson, Kentucky | 28 | $ 3,264,000 | $ 116,571 | $ 85,000 |
| Harrison, Indiana | 27 | $ 3,697,000 | $ 136,925 | $ 79,000 |
| Boone, Kentucky | 23 | $ 3,576,000 | $ 155,478 | $ 58,000 |
| Anderson, Kentucky | 22 | $ 2,800,000 | $ 127,272 | $ 55,000 |
| Madison, Kentucky | 21 | $ 3,096,000 | $ 147,428 | $ 79,000 |
| Campbell, Kentucky | 15 | $ 3,561,000 | $ 237,400 | $ 67,000 |
| Hamilton, Ohio | 12 | $ 2,407,000 | $ 200,583 | $ 101,000 |
| Henry, Kentucky | 11 | $ 1,822,000 | $ 165,636 | $ 89,000 |
| Woodford, Kentucky | 11 | $ 1,210,000 | $ 110,000 | $ 70,000 |
| Grayson, Kentucky | 10 | $ 1,410,000 | $ 141,000 | $ 103,000 |
| Bourbon, Kentucky | 9 | $ 1,499,000 | $ 166,555 | $ 80,000 |
| Larue, Kentucky | 9 | $ 1,075,000 | $ 119,444 | $ 70,000 |
| Meade, Kentucky | 9 | $ 1,185,000 | $ 131,666 | $ 55,000 |
| Breckinridge, Kentucky | 8 | $ 967,000 | $ 120,875 | $ 88,000 |
| Ohio, Kentucky | 8 | $ 1,031,000 | $ 128,875 | $ 41,000 |
| Washington, Indiana | 7 | $ 1,090,000 | $ 155,714 | $ 70,000 |
| Barren, Kentucky | 6 | $ 1,019,000 | $ 169,833 | $ 62,000 |
| Clark, Kentucky | 6 | $ 960,000 | $ 160,000 | $ 64,000 |
| Garrard, Kentucky | 5 | $ 692,000 | $ 138,400 | $ 77,000 |
| Hancock, Kentucky | 5 | $ 441,000 | $ 88,200 | $ 50,000 |
| Harrison, Kentucky | 5 | $ 441,000 | $ 88,200 | $ 89,000 |
| McLean, Kentucky | 5 | $ 421,000 | $ 84,200 | $ 38,000 |
| Scott, Indiana | 4 | $ 258,000 | $ 64,500 | $ 35,000 |
| Allen, Kentucky | 4 | $ 771,000 | $ 192,750 | $ 96,000 |
| Hart, Kentucky | 4 | $ 247,000 | $ 61,750 | $ 75,000 |
| Owen, Kentucky | 4 | $ 340,000 | $ 85,000 | $ 67,000 |
| Warren, Ohio | 4 | $ 1,183,000 | $ 295,750 | $ 208,000 |
| Crawford, Indiana | 3 | $ 182,000 | $ 60,666 | $ 62,000 |
| Spencer, Indiana | 3 | $ 274,000 | $ 91,333 | $ 43,000 |
| Butler, Kentucky | 3 | $ 339,000 | $ 113,000 | $ 81,000 |
| Edmonson, Kentucky | 3 | $ 469,000 | $ 156,333 | $ 239,000 |
| Graves, Kentucky | 3 | $ 38,000 | $ 12,666 | $ 45,000 |
| Logan, Kentucky | 3 | $ 462,000 | $ 154,000 | $ 77,000 |
| Mercer, Kentucky | 3 | $ 511,000 | $ 170,333 | $ 291,000 |
| Simpson, Kentucky | 3 | $ 251,000 | $ 83,666 | $ 46,000 |
| Collier, Florida | 2 | $ 648,000 | $ 324,000 | $ 602,000 |
| Henderson, Kentucky | 2 | $ 250,000 | $ 125,000 | $ 67,000 |
| Montgomery, Kentucky | 2 | $ 254,000 | $ 127,000 | $ 78,000 |
| Nicholas, Kentucky | 2 | $ 304,000 | $ 152,000 | $ 71,000 |
| Wolfe, Kentucky | 2 | $ 171,000 | $ 85,500 | $ 71,000 |
| Baldwin, Alabama | 1 | $ 420,000 | $ 420,000 | $ 0 |
| Brevard, Florida | 1 | $ 300,000 | $ 300,000 | $ 261,000 |
| Lee, Florida | 1 | $ 255,000 | $ 255,000 | $ 284,000 |
| Okaloosa, Florida | 1 | $ 283,000 | $ 283,000 | $ 178,000 |
| Orange, Florida | 1 | $ 178,000 | $ 178,000 | $ 110,000 |
| Pasco, Florida | 1 | $ 62,000 | $ 62,000 | $ 74,000 |
| Pinellas, Florida | 1 | $ 113,000 | $ 113,000 | $ 125,000 |
| Sarasota, Florida | 1 | $ 424,000 | $ 424,000 | $ 648,000 |
| Sumter, Florida | 1 | $ 40,000 | $ 40,000 | $ 44,000 |
| Volusia, Florida | 1 | $ 1,100,000 | $ 1,100,000 | $ 138,000 |
| Walton, Florida | 1 | $ 674,000 | $ 674,000 | $ 99,000 |
| Jefferson, Indiana | 1 | $ 58,000 | $ 58,000 | $ 34,000 |
| Knox, Indiana | 1 | $ 86,000 | $ 86,000 | $ 58,000 |
| Monroe, Indiana | 1 | $ 315,000 | $ 315,000 | $ 170,000 |
| Orange, Indiana | 1 | $ 103,000 | $ 103,000 | $ 105,000 |
| Warrick, Indiana | 1 | $ 122,000 | $ 122,000 | $ 75,000 |
| Adair, Kentucky | 1 | $ 89,000 | $ 89,000 | $ 76,000 |
| Boyle, Kentucky | 1 | $ 61,000 | $ 61,000 | $ 46,000 |
| Carter, Kentucky | 1 | $ 275,000 | $ 275,000 | $ 160,000 |
| Knox, Kentucky | 1 | $ 121,000 | $ 121,000 | $ 134,000 |
| Marion, Kentucky | 1 | $ 72,000 | $ 72,000 | $ 40,000 |
| Pendleton, Kentucky | 1 | $ 89,000 | $ 89,000 | $ 33,000 |
| Powell, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Pulaski, Kentucky | 1 | $ 84,000 | $ 84,000 | $ 56,000 |
| Rowan, Kentucky | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Russell, Kentucky | 1 | $ 290,000 | $ 290,000 | $ 65,000 |
| Trimble, Kentucky | 1 | $ 132,000 | $ 132,000 | $ 64,000 |
| Charlevoix, Michigan | 1 | $ 222,000 | $ 222,000 | $ 150,000 |
| Wayne, Michigan | 1 | $ 134,000 | $ 134,000 | $ 75,000 |
| Butler, Ohio | 1 | $ 160,000 | $ 160,000 | $ 95,000 |
| Clermont, Ohio | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Franklin, Ohio | 1 | $ 160,000 | $ 160,000 | $ 40,000 |
| Madison, Tennessee | 1 | $ 103,000 | $ 103,000 | $ 136,000 |
| Sumner, Tennessee | 1 | $ 43,000 | $ 43,000 | $ 55,000 |
| Pierce, Washington | 1 | $ 197,000 | $ 197,000 | $ 517,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2008
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 | 2,237 | $350,106,000 | $156,000 | $2,566,000 | $85,000 | $1,472,000 |
| Home Purchase | 1,889 | $292,723,000 | $154,000 | $2,650,000 | $79,000 | $4,360,000 |
| Home Improvement | 189 | $16,936,000 | $89,000 | $570,000 | $79,000 | $968,000 |
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 | 3,530 | $522,085,000 | $147,000 | $2,650,000 | $85,000 | $4,360,000 |
| Not Provided | 240 | $36,648,000 | $152,000 | $1,932,000 | $80,000 | $664,000 |
| Black or African American | 206 | $23,830,000 | $115,000 | $502,000 | $57,000 | $275,000 |
| Hispanic | 114 | $13,408,000 | $117,000 | $417,000 | $58,000 | $420,000 |
| Not applicable | 105 | $42,362,000 | $403,000 | $2,636,000 | $0 | $0 |
| Asian | 97 | $18,648,000 | $192,000 | $550,000 | $116,000 | $1,052,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $1,307,000 | $100,000 | $178,000 | $119,000 | $617,000 |
| American Indian or Alaskan Native | 10 | $1,477,000 | $147,000 | $493,000 | $180,000 | $766,000 |
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) | 4,053 | $625,580,000 | $154,000 | $2,650,000 | $84,000 | $4,360,000 |
| FHA-insured (Federal Housing Administration) | 233 | $29,192,000 | $125,000 | $372,000 | $54,000 | $182,000 |
| VA-guaranteed (Veterans Administration) | 26 | $4,592,000 | $176,000 | $286,000 | $75,000 | $131,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $401,000 | $133,000 | $148,000 | $49,000 | $67,000 |
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 | 2,519 | $371,705,000 | $147,000 | $2,650,000 | $89,000 | $4,360,000 |
| Application Denied By Financial Institution | 826 | $120,639,000 | $146,000 | $2,636,000 | $61,000 | $713,000 |
| Application Approved But Not Accepted | 627 | $99,684,000 | $158,000 | $1,932,000 | $91,000 | $1,059,000 |
| Application Withdrawn By Applicant | 336 | $66,736,000 | $198,000 | $2,566,000 | $69,000 | $617,000 |
| Loan Purchased By The Institution | 7 | $1,001,000 | $143,000 | $204,000 | $37,000 | $46,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 316 | $49,726,000 | $157,000 | $1,445,000 | $52,000 | $420,000 |
| Credit History | 284 | $34,966,000 | $123,000 | $600,000 | $65,000 | $713,000 |
| Collateral | 80 | $13,913,000 | $173,000 | $2,281,000 | $84,000 | $565,000 |
| Other | 79 | $14,962,000 | $189,000 | $2,636,000 | $72,000 | $224,000 |
| Employment History | 38 | $3,912,000 | $102,000 | $323,000 | $42,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $1,429,000 | $109,000 | $214,000 | $69,000 | $120,000 |
| Mortgage Insurance Denied | 10 | $1,099,000 | $109,000 | $198,000 | $59,000 | $98,000 |
| Unverifiable Information | 6 | $632,000 | $105,000 | $210,000 | $34,000 | $138,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2008 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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