Republic Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Republic Bank & Trust of Louisville, KY reported 5,450 mortgage applications totaling $833.8 million, down 30% from 2009. The average application was for $152,995, and applicants reported an average income of $94,282. 58% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (3,889), Lexington-Fayette, KY (670) and Owensboro, KY (280) (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 | 5,450 |
| Total Mortgage Loan Application Amount | $833,823,000 |
| Average Mortgage Loan Application Amount | $152,995 |
| Highest Mortgage Loan Application Amount | $2,208,000 |
| Average Applicant Income | $94,282 |
| Highest Applicant Income | $2,216,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,696 | $ 420,475,000 | $ 155,962 | $ 99,000 |
| Fayette, Kentucky | 531 | $ 89,609,000 | $ 168,755 | $ 105,000 |
| Daviess, Kentucky | 271 | $ 29,532,000 | $ 108,974 | $ 70,000 |
| Oldham, Kentucky | 271 | $ 60,580,000 | $ 223,542 | $ 131,000 |
| Clark, Indiana | 255 | $ 31,024,000 | $ 121,662 | $ 76,000 |
| Floyd, Indiana | 226 | $ 31,940,000 | $ 141,327 | $ 82,000 |
| Bullitt, Kentucky | 194 | $ 23,658,000 | $ 121,948 | $ 65,000 |
| Hardin, Kentucky | 144 | $ 18,342,000 | $ 127,375 | $ 70,000 |
| Franklin, Kentucky | 135 | $ 16,695,000 | $ 123,666 | $ 90,000 |
| Shelby, Kentucky | 116 | $ 16,455,000 | $ 141,853 | $ 83,000 |
| Warren, Kentucky | 112 | $ 13,881,000 | $ 123,937 | $ 72,000 |
| Scott, Kentucky | 75 | $ 12,668,000 | $ 168,906 | $ 81,000 |
| Spencer, Kentucky | 41 | $ 6,203,000 | $ 151,292 | $ 69,000 |
| Kenton, Kentucky | 37 | $ 6,484,000 | $ 175,243 | $ 95,000 |
| Harrison, Indiana | 34 | $ 5,243,000 | $ 154,205 | $ 75,000 |
| Jessamine, Kentucky | 33 | $ 6,703,000 | $ 203,121 | $ 137,000 |
| Anderson, Kentucky | 31 | $ 3,601,000 | $ 116,161 | $ 79,000 |
| Nelson, Kentucky | 26 | $ 3,272,000 | $ 125,846 | $ 72,000 |
| Woodford, Kentucky | 20 | $ 2,805,000 | $ 140,250 | $ 86,000 |
| Boone, Kentucky | 19 | $ 4,240,000 | $ 223,157 | $ 131,000 |
| Meade, Kentucky | 19 | $ 2,289,000 | $ 120,473 | $ 65,000 |
| Hamilton, Ohio | 19 | $ 3,773,000 | $ 198,578 | $ 199,000 |
| Campbell, Kentucky | 14 | $ 2,880,000 | $ 205,714 | $ 95,000 |
| Madison, Kentucky | 12 | $ 1,781,000 | $ 148,416 | $ 86,000 |
| Breckinridge, Kentucky | 10 | $ 956,000 | $ 95,600 | $ 107,000 |
| Ohio, Kentucky | 10 | $ 1,079,000 | $ 107,900 | $ 96,000 |
| Edmonson, Kentucky | 8 | $ 1,271,000 | $ 158,875 | $ 100,000 |
| Harrison, Kentucky | 8 | $ 836,000 | $ 104,500 | $ 57,000 |
| Clark, Kentucky | 7 | $ 1,552,000 | $ 221,714 | $ 100,000 |
| Washington, Indiana | 6 | $ 525,000 | $ 87,500 | $ 71,000 |
| Grayson, Kentucky | 6 | $ 623,000 | $ 103,833 | $ 98,000 |
| Hancock, Kentucky | 6 | $ 650,000 | $ 108,333 | $ 57,000 |
| Larue, Kentucky | 6 | $ 747,000 | $ 124,500 | $ 56,000 |
| Allen, Kentucky | 5 | $ 721,000 | $ 144,200 | $ 33,000 |
| Henry, Kentucky | 5 | $ 630,000 | $ 126,000 | $ 70,000 |
| Bourbon, Kentucky | 4 | $ 346,000 | $ 86,500 | $ 33,000 |
| Owen, Kentucky | 4 | $ 401,000 | $ 100,250 | $ 98,000 |
| Simpson, Kentucky | 4 | $ 420,000 | $ 105,000 | $ 60,000 |
| Scott, Indiana | 3 | $ 387,000 | $ 129,000 | $ 68,000 |
| Barren, Kentucky | 3 | $ 496,000 | $ 165,333 | $ 68,000 |
| McLean, Kentucky | 3 | $ 351,000 | $ 117,000 | $ 61,000 |
| Pinellas, Florida | 2 | $ 822,000 | $ 411,000 | $ 301,000 |
| Butler, Kentucky | 2 | $ 132,000 | $ 66,000 | $ 77,000 |
| Hart, Kentucky | 2 | $ 372,000 | $ 186,000 | $ 206,000 |
| Eagle, Colorado | 1 | $ 2,208,000 | $ 2,208,000 | $ 0 |
| Collier, Florida | 1 | $ 1,560,000 | $ 1,560,000 | $ 1,372,000 |
| Marion, Florida | 1 | $ 174,000 | $ 174,000 | $ 46,000 |
| Nassau, Florida | 1 | $ 950,000 | $ 950,000 | $ 160,000 |
| Volusia, Florida | 1 | $ 225,000 | $ 225,000 | $ 201,000 |
| Daviess, Indiana | 1 | $ 93,000 | $ 93,000 | $ 37,000 |
| Jennings, Indiana | 1 | $ 105,000 | $ 105,000 | $ 63,000 |
| Marion, Indiana | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Orange, Indiana | 1 | $ 112,000 | $ 112,000 | $ 47,000 |
| Boyle, Kentucky | 1 | $ 136,000 | $ 136,000 | $ 98,000 |
| Christian, Kentucky | 1 | $ 133,000 | $ 133,000 | $ 31,000 |
| Henderson, Kentucky | 1 | $ 67,000 | $ 67,000 | $ 17,000 |
| Muhlenberg, Kentucky | 1 | $ 74,000 | $ 74,000 | $ 58,000 |
| Nicholas, Kentucky | 1 | $ 192,000 | $ 192,000 | $ 102,000 |
| Warren, Ohio | 1 | $ 200,000 | $ 200,000 | $ 264,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2010
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 | 3,660 | $573,612,000 | $156,000 | $2,184,000 | $96,000 | $2,216,000 |
| Home Purchase | 1,382 | $214,822,000 | $155,000 | $2,208,000 | $91,000 | $1,600,000 |
| Home Improvement | 408 | $45,389,000 | $111,000 | $625,000 | $90,000 | $597,000 |
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 | 4,840 | $733,900,000 | $151,000 | $2,184,000 | $95,000 | $2,216,000 |
| Black or African American | 177 | $23,809,000 | $134,000 | $1,660,000 | $77,000 | $1,600,000 |
| Not Provided | 174 | $25,602,000 | $147,000 | $520,000 | $94,000 | $500,000 |
| Asian | 124 | $23,734,000 | $191,000 | $800,000 | $135,000 | $960,000 |
| Hispanic | 79 | $12,364,000 | $156,000 | $544,000 | $91,000 | $370,000 |
| Not applicable | 38 | $11,447,000 | $301,000 | $2,208,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 11 | $2,244,000 | $204,000 | $415,000 | $105,000 | $273,000 |
| American Indian or Alaskan Native | 7 | $723,000 | $103,000 | $195,000 | $59,000 | $106,000 |
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) | 4,856 | $751,416,000 | $154,000 | $2,208,000 | $99,000 | $2,216,000 |
| FHA-insured (Federal Housing Administration) | 563 | $77,588,000 | $137,000 | $379,000 | $56,000 | $400,000 |
| VA-guaranteed (Veterans Administration) | 30 | $4,635,000 | $154,000 | $305,000 | $67,000 | $186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $184,000 | $184,000 | $184,000 | $59,000 | $59,000 |
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 | 3,164 | $475,373,000 | $150,000 | $2,208,000 | $97,000 | $2,216,000 |
| Application Denied By Financial Institution | 1,064 | $165,585,000 | $155,000 | $1,300,000 | $84,000 | $1,759,000 |
| Application Withdrawn By Applicant | 658 | $104,943,000 | $159,000 | $1,365,000 | $97,000 | $955,000 |
| File Closed For Incompleteness | 501 | $77,637,000 | $154,000 | $800,000 | $93,000 | $960,000 |
| Application Approved But Not Accepted | 63 | $10,285,000 | $163,000 | $493,000 | $110,000 | $339,000 |
| 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 | 341 | $59,832,000 | $175,000 | $1,300,000 | $70,000 | $1,143,000 |
| Collateral | 235 | $40,350,000 | $171,000 | $980,000 | $105,000 | $821,000 |
| Credit History | 229 | $27,046,000 | $118,000 | $819,000 | $80,000 | $1,759,000 |
| Other | 173 | $25,368,000 | $146,000 | $1,250,000 | $90,000 | $1,231,000 |
| Mortgage Insurance Denied | 36 | $5,302,000 | $147,000 | $423,000 | $76,000 | $203,000 |
| Employment History | 36 | $5,264,000 | $146,000 | $540,000 | $89,000 | $480,000 |
| Unverifiable Information | 12 | $1,958,000 | $163,000 | $570,000 | $47,000 | $185,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $465,000 | $232,000 | $417,000 | $86,000 | $150,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2010 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.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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