Republic Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Republic Bank & Trust of Louisville, KY reported 3,970 mortgage applications totaling $599.6 million, down 27% from 2010. The average application was for $151,022, and applicants reported an average income of $99,697. 61% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (2,863), Lexington-Fayette, KY (439) and Owensboro, KY (193) (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 | 3,970 |
| Total Mortgage Loan Application Amount | $599,558,000 |
| Average Mortgage Loan Application Amount | $151,022 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $99,697 |
| Highest Applicant Income | $2,232,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,983 | $ 300,987,000 | $ 151,783 | $ 102,000 |
| Fayette, Kentucky | 336 | $ 55,662,000 | $ 165,660 | $ 108,000 |
| Oldham, Kentucky | 192 | $ 44,174,000 | $ 230,072 | $ 136,000 |
| Daviess, Kentucky | 187 | $ 18,615,000 | $ 99,545 | $ 73,000 |
| Clark, Indiana | 163 | $ 16,687,000 | $ 102,374 | $ 66,000 |
| Bullitt, Kentucky | 152 | $ 18,990,000 | $ 124,934 | $ 67,000 |
| Floyd, Indiana | 147 | $ 19,484,000 | $ 132,544 | $ 84,000 |
| Hardin, Kentucky | 132 | $ 15,624,000 | $ 118,363 | $ 73,000 |
| Shelby, Kentucky | 111 | $ 15,748,000 | $ 141,873 | $ 81,000 |
| Franklin, Kentucky | 82 | $ 10,071,000 | $ 122,817 | $ 92,000 |
| Scott, Kentucky | 61 | $ 8,814,000 | $ 144,491 | $ 126,000 |
| Spencer, Kentucky | 55 | $ 7,915,000 | $ 143,909 | $ 79,000 |
| Warren, Kentucky | 45 | $ 5,580,000 | $ 124,000 | $ 77,000 |
| Boone, Kentucky | 36 | $ 8,500,000 | $ 236,111 | $ 143,000 |
| Kenton, Kentucky | 36 | $ 9,194,000 | $ 255,388 | $ 111,000 |
| Nelson, Kentucky | 26 | $ 3,613,000 | $ 138,961 | $ 71,000 |
| Jessamine, Kentucky | 24 | $ 4,748,000 | $ 197,833 | $ 180,000 |
| Campbell, Kentucky | 22 | $ 4,560,000 | $ 207,272 | $ 105,000 |
| Anderson, Kentucky | 20 | $ 2,495,000 | $ 124,750 | $ 100,000 |
| Hamilton, Ohio | 17 | $ 4,535,000 | $ 266,764 | $ 184,000 |
| Harrison, Indiana | 16 | $ 1,538,000 | $ 96,125 | $ 68,000 |
| Larue, Kentucky | 12 | $ 1,058,000 | $ 88,166 | $ 46,000 |
| Madison, Kentucky | 10 | $ 1,607,000 | $ 160,700 | $ 109,000 |
| Woodford, Kentucky | 9 | $ 1,551,000 | $ 172,333 | $ 147,000 |
| Ohio, Kentucky | 8 | $ 746,000 | $ 93,250 | $ 75,000 |
| Washington, Indiana | 7 | $ 575,000 | $ 82,142 | $ 57,000 |
| Breckinridge, Kentucky | 7 | $ 735,000 | $ 105,000 | $ 79,000 |
| Clark, Kentucky | 7 | $ 824,000 | $ 117,714 | $ 63,000 |
| Monroe, Indiana | 6 | $ 2,366,000 | $ 394,333 | $ 381,000 |
| Hancock, Kentucky | 6 | $ 620,000 | $ 103,333 | $ 61,000 |
| Meade, Kentucky | 6 | $ 439,000 | $ 73,166 | $ 51,000 |
| Grayson, Kentucky | 5 | $ 643,000 | $ 128,600 | $ 109,000 |
| Henry, Kentucky | 5 | $ 674,000 | $ 134,800 | $ 72,000 |
| Collier, Florida | 3 | $ 740,000 | $ 246,666 | $ 400,000 |
| Barren, Kentucky | 3 | $ 413,000 | $ 137,666 | $ 57,000 |
| Harrison, Kentucky | 3 | $ 270,000 | $ 90,000 | $ 75,000 |
| Walton, Florida | 2 | $ 386,000 | $ 193,000 | $ 187,000 |
| Bourbon, Kentucky | 2 | $ 211,000 | $ 105,500 | $ 15,000 |
| Bracken, Kentucky | 2 | $ 2,650,000 | $ 1,325,000 | $ 1,864,000 |
| Edmonson, Kentucky | 2 | $ 290,000 | $ 145,000 | $ 195,000 |
| Grant, Kentucky | 2 | $ 265,000 | $ 132,500 | $ 55,000 |
| Owen, Kentucky | 2 | $ 232,000 | $ 116,000 | $ 97,000 |
| Clermont, Ohio | 2 | $ 1,244,000 | $ 622,000 | $ 72,000 |
| Pasco, Florida | 1 | $ 70,000 | $ 70,000 | $ 103,000 |
| Pinellas, Florida | 1 | $ 81,000 | $ 81,000 | $ 58,000 |
| Franklin, Georgia | 1 | $ 84,000 | $ 84,000 | $ 50,000 |
| Scott, Indiana | 1 | $ 86,000 | $ 86,000 | $ 78,000 |
| Allen, Kentucky | 1 | $ 367,000 | $ 367,000 | $ 236,000 |
| Butler, Kentucky | 1 | $ 60,000 | $ 60,000 | $ 97,000 |
| Calloway, Kentucky | 1 | $ 8,000 | $ 8,000 | $ 125,000 |
| Carroll, Kentucky | 1 | $ 2,100,000 | $ 2,100,000 | $ 0 |
| Casey, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 458,000 |
| Garrard, Kentucky | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Hart, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 281,000 |
| McCracken, Kentucky | 1 | $ 22,000 | $ 22,000 | $ 162,000 |
| Taylor, Kentucky | 1 | $ 60,000 | $ 60,000 | $ 47,000 |
| Brunswick, North Carolina | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Butler, Ohio | 1 | $ 31,000 | $ 31,000 | $ 179,000 |
| Sumner, Tennessee | 1 | $ 22,000 | $ 22,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2011
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 | 2,443 | $378,663,000 | $154,000 | $2,279,000 | $100,000 | $1,759,000 |
| Home Purchase | 1,127 | $186,408,000 | $165,000 | $2,500,000 | $100,000 | $2,191,000 |
| Home Improvement | 400 | $34,487,000 | $86,000 | $1,000,000 | $97,000 | $2,232,000 |
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 | 3,347 | $499,516,000 | $149,000 | $2,279,000 | $102,000 | $2,232,000 |
| Not Provided | 302 | $37,981,000 | $125,000 | $940,000 | $93,000 | $581,000 |
| Black or African American | 112 | $14,707,000 | $131,000 | $830,000 | $104,000 | $578,000 |
| Not applicable | 75 | $24,112,000 | $321,000 | $2,500,000 | $0 | $0 |
| Asian | 72 | $14,504,000 | $201,000 | $820,000 | $121,000 | $600,000 |
| Hispanic | 53 | $7,493,000 | $141,000 | $600,000 | $90,000 | $500,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $772,000 | $154,000 | $370,000 | $48,000 | $94,000 |
| American Indian or Alaskan Native | 4 | $473,000 | $118,000 | $220,000 | $86,000 | $165,000 |
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) | 3,688 | $562,657,000 | $152,000 | $2,500,000 | $103,000 | $2,232,000 |
| FHA-insured (Federal Housing Administration) | 258 | $32,774,000 | $127,000 | $296,000 | $55,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,785,000 | $172,000 | $427,000 | $71,000 | $369,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $342,000 | $171,000 | $187,000 | $52,000 | $60,000 |
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 | 2,412 | $370,028,000 | $153,000 | $2,500,000 | $105,000 | $1,759,000 |
| Application Denied By Financial Institution | 842 | $114,222,000 | $135,000 | $2,279,000 | $89,000 | $2,232,000 |
| Application Withdrawn By Applicant | 416 | $70,259,000 | $168,000 | $2,100,000 | $91,000 | $1,029,000 |
| File Closed For Incompleteness | 238 | $36,084,000 | $151,000 | $1,100,000 | $95,000 | $742,000 |
| Application Approved But Not Accepted | 49 | $7,510,000 | $153,000 | $650,000 | $114,000 | $1,318,000 |
| Loan Purchased By The Institution | 13 | $1,455,000 | $111,000 | $150,000 | $3,000 | $39,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 263 | $27,425,000 | $104,000 | $930,000 | $72,000 | $458,000 |
| Debt-To-Income Ratio | 243 | $35,830,000 | $147,000 | $1,180,000 | $60,000 | $302,000 |
| Collateral | 225 | $34,998,000 | $155,000 | $2,279,000 | $134,000 | $2,191,000 |
| Other | 63 | $10,152,000 | $161,000 | $1,410,000 | $126,000 | $2,232,000 |
| Employment History | 41 | $4,488,000 | $109,000 | $333,000 | $64,000 | $208,000 |
| Unverifiable Information | 5 | $1,094,000 | $218,000 | $390,000 | $89,000 | $166,000 |
| Credit Application Incomplete | 1 | $130,000 | $130,000 | $130,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $105,000 | $105,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2011 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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