Republic Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Republic Bank & Trust of Louisville, KY reported 7,782 mortgage applications totaling $1.2 billion, up 80% from 2008. The average application was for $155,606, and applicants reported an average income of $88,255. 67% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (5,391), Lexington-Fayette, KY (1,034) and Owensboro, KY (350) (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 | 7,782 |
| Total Mortgage Loan Application Amount | $1,210,931,000 |
| Average Mortgage Loan Application Amount | $155,606 |
| Highest Mortgage Loan Application Amount | $1,640,000 |
| Average Applicant Income | $88,255 |
| Highest Applicant Income | $2,262,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,578 | $ 577,079,000 | $ 161,285 | $ 93,000 |
| Fayette, Kentucky | 798 | $ 130,459,000 | $ 163,482 | $ 100,000 |
| Oldham, Kentucky | 378 | $ 81,240,000 | $ 214,920 | $ 111,000 |
| Clark, Indiana | 376 | $ 48,016,000 | $ 127,702 | $ 67,000 |
| Daviess, Kentucky | 338 | $ 41,236,000 | $ 122,000 | $ 74,000 |
| Floyd, Indiana | 324 | $ 46,581,000 | $ 143,768 | $ 81,000 |
| Bullitt, Kentucky | 307 | $ 42,691,000 | $ 139,058 | $ 65,000 |
| Hardin, Kentucky | 244 | $ 32,026,000 | $ 131,254 | $ 64,000 |
| Warren, Kentucky | 210 | $ 25,177,000 | $ 119,890 | $ 66,000 |
| Shelby, Kentucky | 184 | $ 32,798,000 | $ 178,250 | $ 95,000 |
| Scott, Kentucky | 139 | $ 22,272,000 | $ 160,230 | $ 80,000 |
| Franklin, Kentucky | 127 | $ 15,926,000 | $ 125,401 | $ 81,000 |
| Spencer, Kentucky | 91 | $ 13,819,000 | $ 151,857 | $ 76,000 |
| Kenton, Kentucky | 71 | $ 10,247,000 | $ 144,323 | $ 79,000 |
| Harrison, Indiana | 51 | $ 7,314,000 | $ 143,411 | $ 83,000 |
| Jessamine, Kentucky | 45 | $ 9,549,000 | $ 212,200 | $ 138,000 |
| Nelson, Kentucky | 45 | $ 6,075,000 | $ 135,000 | $ 69,000 |
| Boone, Kentucky | 39 | $ 6,997,000 | $ 179,410 | $ 84,000 |
| Anderson, Kentucky | 34 | $ 3,912,000 | $ 115,058 | $ 73,000 |
| Woodford, Kentucky | 29 | $ 4,905,000 | $ 169,137 | $ 89,000 |
| Madison, Kentucky | 27 | $ 4,084,000 | $ 151,259 | $ 96,000 |
| Hamilton, Ohio | 23 | $ 3,864,000 | $ 168,000 | $ 83,000 |
| Henry, Kentucky | 20 | $ 2,585,000 | $ 129,250 | $ 65,000 |
| Meade, Kentucky | 20 | $ 2,695,000 | $ 134,750 | $ 78,000 |
| Ohio, Kentucky | 19 | $ 2,361,000 | $ 124,263 | $ 62,000 |
| Grayson, Kentucky | 18 | $ 1,639,000 | $ 91,055 | $ 71,000 |
| Breckinridge, Kentucky | 16 | $ 1,739,000 | $ 108,687 | $ 89,000 |
| Campbell, Kentucky | 16 | $ 3,629,000 | $ 226,812 | $ 92,000 |
| Washington, Indiana | 14 | $ 1,540,000 | $ 110,000 | $ 69,000 |
| Harrison, Kentucky | 14 | $ 1,896,000 | $ 135,428 | $ 50,000 |
| Larue, Kentucky | 14 | $ 1,504,000 | $ 107,428 | $ 61,000 |
| Clark, Kentucky | 12 | $ 1,556,000 | $ 129,666 | $ 67,000 |
| Scott, Indiana | 11 | $ 1,587,000 | $ 144,272 | $ 82,000 |
| Bourbon, Kentucky | 11 | $ 1,729,000 | $ 157,181 | $ 77,000 |
| Barren, Kentucky | 9 | $ 1,122,000 | $ 124,666 | $ 70,000 |
| Hancock, Kentucky | 9 | $ 910,000 | $ 101,111 | $ 76,000 |
| Edmonson, Kentucky | 7 | $ 955,000 | $ 136,428 | $ 83,000 |
| Owen, Kentucky | 7 | $ 799,000 | $ 114,142 | $ 63,000 |
| Mercer, Kentucky | 6 | $ 769,000 | $ 128,166 | $ 75,000 |
| Garrard, Kentucky | 5 | $ 914,000 | $ 182,800 | $ 162,000 |
| Hart, Kentucky | 5 | $ 800,000 | $ 160,000 | $ 121,000 |
| Grant, Kentucky | 4 | $ 396,000 | $ 99,000 | $ 57,000 |
| Taylor, Kentucky | 4 | $ 566,000 | $ 141,500 | $ 33,000 |
| Bay, Florida | 3 | $ 431,000 | $ 143,666 | $ 131,000 |
| Crawford, Indiana | 3 | $ 283,000 | $ 94,333 | $ 51,000 |
| Allen, Kentucky | 3 | $ 674,000 | $ 224,666 | $ 48,000 |
| Boyle, Kentucky | 3 | $ 373,000 | $ 124,333 | $ 118,000 |
| Butler, Kentucky | 3 | $ 397,000 | $ 132,333 | $ 74,000 |
| McLean, Kentucky | 3 | $ 347,000 | $ 115,666 | $ 99,000 |
| Montgomery, Kentucky | 3 | $ 334,000 | $ 111,333 | $ 41,000 |
| Simpson, Kentucky | 3 | $ 274,000 | $ 91,333 | $ 39,000 |
| Trimble, Kentucky | 3 | $ 297,000 | $ 99,000 | $ 44,000 |
| Charleston, South Carolina | 3 | $ 1,437,000 | $ 479,000 | $ 82,000 |
| Hillsborough, Florida | 2 | $ 263,000 | $ 131,500 | $ 41,000 |
| Pinellas, Florida | 2 | $ 742,000 | $ 371,000 | $ 850,000 |
| Hamilton, Indiana | 2 | $ 405,000 | $ 202,500 | $ 166,000 |
| Monroe, Indiana | 2 | $ 448,000 | $ 224,000 | $ 100,000 |
| Lewis, Kentucky | 2 | $ 352,000 | $ 176,000 | $ 87,000 |
| Logan, Kentucky | 2 | $ 246,000 | $ 123,000 | $ 86,000 |
| McCracken, Kentucky | 2 | $ 158,000 | $ 79,000 | $ 53,000 |
| Nicholas, Kentucky | 2 | $ 271,000 | $ 135,500 | $ 72,000 |
| Pulaski, Kentucky | 2 | $ 219,000 | $ 109,500 | $ 136,000 |
| Trigg, Kentucky | 2 | $ 265,000 | $ 132,500 | $ 187,000 |
| Butler, Ohio | 2 | $ 340,000 | $ 170,000 | $ 60,000 |
| Clermont, Ohio | 2 | $ 558,000 | $ 279,000 | $ 172,000 |
| Collier, Florida | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Hernando, Florida | 1 | $ 38,000 | $ 38,000 | $ 62,000 |
| Indian River, Florida | 1 | $ 417,000 | $ 417,000 | $ 1,303,000 |
| Lee, Florida | 1 | $ 74,000 | $ 74,000 | $ 45,000 |
| Chatham, Georgia | 1 | $ 255,000 | $ 255,000 | $ 114,000 |
| Daviess, Indiana | 1 | $ 97,000 | $ 97,000 | $ 37,000 |
| Hendricks, Indiana | 1 | $ 135,000 | $ 135,000 | $ 95,000 |
| Jennings, Indiana | 1 | $ 88,000 | $ 88,000 | $ 80,000 |
| Knox, Indiana | 1 | $ 74,000 | $ 74,000 | $ 50,000 |
| Marion, Indiana | 1 | $ 165,000 | $ 165,000 | $ 246,000 |
| Perry, Indiana | 1 | $ 49,000 | $ 49,000 | $ 68,000 |
| Warrick, Indiana | 1 | $ 134,000 | $ 134,000 | $ 60,000 |
| Wayne, Indiana | 1 | $ 76,000 | $ 76,000 | $ 360,000 |
| Carroll, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 42,000 |
| Green, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Henderson, Kentucky | 1 | $ 112,000 | $ 112,000 | $ 48,000 |
| Laurel, Kentucky | 1 | $ 198,000 | $ 198,000 | $ 405,000 |
| Lincoln, Kentucky | 1 | $ 174,000 | $ 174,000 | $ 82,000 |
| Marion, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 45,000 |
| Marshall, Kentucky | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
| Mason, Kentucky | 1 | $ 197,000 | $ 197,000 | $ 118,000 |
| Muhlenberg, Kentucky | 1 | $ 72,000 | $ 72,000 | $ 57,000 |
| Rowan, Kentucky | 1 | $ 112,000 | $ 112,000 | $ 57,000 |
| Russell, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 192,000 |
| Washington, Kentucky | 1 | $ 122,000 | $ 122,000 | $ 69,000 |
| Emmet, Michigan | 1 | $ 245,000 | $ 245,000 | $ 750,000 |
| Brown, Ohio | 1 | $ 210,000 | $ 210,000 | $ 181,000 |
| Warren, Ohio | 1 | $ 111,000 | $ 111,000 | $ 73,000 |
| Horry, South Carolina | 1 | $ 131,000 | $ 131,000 | $ 334,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2009
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 | 5,633 | $906,373,000 | $160,000 | $1,400,000 | $92,000 | $2,262,000 |
| Home Purchase | 1,833 | $266,361,000 | $145,000 | $1,640,000 | $78,000 | $1,389,000 |
| Home Improvement | 316 | $38,197,000 | $120,000 | $946,000 | $81,000 | $680,000 |
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 | 6,866 | $1,063,500,000 | $154,000 | $1,640,000 | $89,000 | $2,262,000 |
| Not Provided | 253 | $38,857,000 | $153,000 | $550,000 | $88,000 | $1,052,000 |
| Black or African American | 225 | $31,579,000 | $140,000 | $1,359,000 | $69,000 | $603,000 |
| Asian | 200 | $39,049,000 | $195,000 | $1,400,000 | $116,000 | $1,412,000 |
| Hispanic | 156 | $20,638,000 | $132,000 | $1,026,000 | $64,000 | $715,000 |
| Not applicable | 44 | $10,680,000 | $242,000 | $965,000 | $0 | $0 |
| American Indian or Alaskan Native | 20 | $2,738,000 | $136,000 | $232,000 | $76,000 | $163,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $3,890,000 | $216,000 | $417,000 | $108,000 | $303,000 |
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) | 7,380 | $1,158,118,000 | $156,000 | $1,640,000 | $90,000 | $2,262,000 |
| FHA-insured (Federal Housing Administration) | 362 | $46,862,000 | $129,000 | $298,000 | $53,000 | $221,000 |
| VA-guaranteed (Veterans Administration) | 33 | $5,170,000 | $156,000 | $423,000 | $61,000 | $195,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $781,000 | $111,000 | $153,000 | $36,000 | $57,000 |
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 | 5,231 | $807,882,000 | $154,000 | $1,640,000 | $91,000 | $1,972,000 |
| Application Denied By Financial Institution | 1,218 | $185,886,000 | $152,000 | $1,359,000 | $76,000 | $2,262,000 |
| Application Withdrawn By Applicant | 846 | $138,269,000 | $163,000 | $1,400,000 | $87,000 | $1,412,000 |
| File Closed For Incompleteness | 395 | $64,408,000 | $163,000 | $820,000 | $91,000 | $750,000 |
| Application Approved But Not Accepted | 92 | $14,486,000 | $157,000 | $600,000 | $94,000 | $690,000 |
| 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 | 356 | $57,215,000 | $160,000 | $1,359,000 | $51,000 | $390,000 |
| Credit History | 314 | $41,864,000 | $133,000 | $1,163,000 | $73,000 | $1,175,000 |
| Other | 238 | $36,379,000 | $152,000 | $980,000 | $113,000 | $2,262,000 |
| Collateral | 174 | $31,002,000 | $178,000 | $946,000 | $89,000 | $934,000 |
| Employment History | 49 | $5,746,000 | $117,000 | $411,000 | $59,000 | $163,000 |
| Mortgage Insurance Denied | 45 | $6,510,000 | $144,000 | $353,000 | $67,000 | $200,000 |
| Credit Application Incomplete | 26 | $4,024,000 | $154,000 | $417,000 | $89,000 | $314,000 |
| Unverifiable Information | 12 | $2,626,000 | $218,000 | $800,000 | $87,000 | $275,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $520,000 | $130,000 | $270,000 | $72,000 | $135,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2009 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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