Republic Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Republic Bank & Trust of Louisville, KY reported 6,571 mortgage applications totaling $1.0 billion, up 66% from 2011. The average application was for $153,856, and applicants reported an average income of $93,411. 60% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (4,602), Lexington-Fayette, KY (697) and Owensboro, KY (342) (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 | 6,571 |
| Total Mortgage Loan Application Amount | $1,010,993,000 |
| Average Mortgage Loan Application Amount | $153,856 |
| Highest Mortgage Loan Application Amount | $7,700,000 |
| Average Applicant Income | $93,411 |
| Highest Applicant Income | $2,325,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,211 | $ 472,169,000 | $ 147,047 | $ 97,000 |
| Fayette, Kentucky | 549 | $ 85,425,000 | $ 155,601 | $ 99,000 |
| Daviess, Kentucky | 338 | $ 35,857,000 | $ 106,085 | $ 73,000 |
| Oldham, Kentucky | 300 | $ 60,463,000 | $ 201,543 | $ 132,000 |
| Clark, Indiana | 260 | $ 35,769,000 | $ 137,573 | $ 70,000 |
| Bullitt, Kentucky | 259 | $ 31,530,000 | $ 121,737 | $ 71,000 |
| Floyd, Indiana | 241 | $ 31,715,000 | $ 131,597 | $ 90,000 |
| Hardin, Kentucky | 193 | $ 22,711,000 | $ 117,673 | $ 71,000 |
| Shelby, Kentucky | 183 | $ 27,782,000 | $ 151,814 | $ 91,000 |
| Hennepin, Minnesota | 129 | $ 34,239,000 | $ 265,418 | $ 16,000 |
| Franklin, Kentucky | 106 | $ 13,032,000 | $ 122,943 | $ 80,000 |
| Scott, Kentucky | 77 | $ 12,200,000 | $ 158,441 | $ 95,000 |
| Kenton, Kentucky | 65 | $ 13,051,000 | $ 200,784 | $ 151,000 |
| Boone, Kentucky | 53 | $ 10,031,000 | $ 189,264 | $ 124,000 |
| Spencer, Kentucky | 51 | $ 6,670,000 | $ 130,784 | $ 73,000 |
| Ramsey, Minnesota | 49 | $ 16,945,000 | $ 345,816 | $ 7,000 |
| Harrison, Indiana | 39 | $ 4,761,000 | $ 122,076 | $ 81,000 |
| Jessamine, Kentucky | 35 | $ 6,578,000 | $ 187,942 | $ 149,000 |
| Davidson, Tennessee | 31 | $ 6,571,000 | $ 211,967 | $ 54,000 |
| Hamilton, Ohio | 26 | $ 9,087,000 | $ 349,500 | $ 214,000 |
| Nelson, Kentucky | 24 | $ 2,637,000 | $ 109,875 | $ 78,000 |
| Campbell, Kentucky | 23 | $ 5,062,000 | $ 220,086 | $ 123,000 |
| Anderson, Kentucky | 21 | $ 2,810,000 | $ 133,809 | $ 82,000 |
| Williamson, Tennessee | 21 | $ 7,694,000 | $ 366,380 | $ 107,000 |
| Meade, Kentucky | 20 | $ 2,373,000 | $ 118,650 | $ 64,000 |
| Pasco, Florida | 19 | $ 3,439,000 | $ 181,000 | $ 82,000 |
| Woodford, Kentucky | 18 | $ 2,617,000 | $ 145,388 | $ 112,000 |
| Ohio, Kentucky | 14 | $ 1,004,000 | $ 71,714 | $ 66,000 |
| Larue, Kentucky | 12 | $ 1,071,000 | $ 89,250 | $ 70,000 |
| Madison, Kentucky | 12 | $ 1,864,000 | $ 155,333 | $ 91,000 |
| Breckinridge, Kentucky | 10 | $ 927,000 | $ 92,700 | $ 84,000 |
| Grayson, Kentucky | 10 | $ 898,000 | $ 89,800 | $ 79,000 |
| Bourbon, Kentucky | 9 | $ 1,866,000 | $ 207,333 | $ 82,000 |
| Clark, Kentucky | 9 | $ 1,246,000 | $ 138,444 | $ 95,000 |
| Pinellas, Florida | 8 | $ 2,579,000 | $ 322,375 | $ 460,000 |
| Anoka, Minnesota | 8 | $ 2,202,000 | $ 275,250 | $ 0 |
| Stearns, Minnesota | 8 | $ 870,000 | $ 108,750 | $ 0 |
| Washington, Indiana | 7 | $ 741,000 | $ 105,857 | $ 47,000 |
| Henry, Kentucky | 7 | $ 850,000 | $ 121,428 | $ 90,000 |
| Monroe, Indiana | 5 | $ 1,359,000 | $ 271,800 | $ 187,000 |
| Dakota, Minnesota | 5 | $ 852,000 | $ 170,400 | $ 185,000 |
| Wright, Minnesota | 5 | $ 1,321,000 | $ 264,200 | $ 16,000 |
| Edmonson, Kentucky | 4 | $ 719,000 | $ 179,750 | $ 321,000 |
| Harrison, Kentucky | 4 | $ 552,000 | $ 138,000 | $ 63,000 |
| Mercer, Kentucky | 4 | $ 537,000 | $ 134,250 | $ 85,000 |
| Collier, Florida | 3 | $ 1,422,000 | $ 474,000 | $ 322,000 |
| Hancock, Kentucky | 3 | $ 247,000 | $ 82,333 | $ 47,000 |
| Routt, Colorado | 2 | $ 3,144,000 | $ 1,572,000 | $ 1,259,000 |
| Hernando, Florida | 2 | $ 304,000 | $ 152,000 | $ 21,000 |
| Sarasota, Florida | 2 | $ 915,000 | $ 457,500 | $ 179,000 |
| Scott, Indiana | 2 | $ 216,000 | $ 108,000 | $ 111,000 |
| Johnson, Kansas | 2 | $ 334,000 | $ 167,000 | $ 0 |
| Christian, Kentucky | 2 | $ 336,000 | $ 168,000 | $ 133,000 |
| Garrard, Kentucky | 2 | $ 166,000 | $ 83,000 | $ 71,000 |
| McCracken, Kentucky | 2 | $ 15,000 | $ 7,500 | $ 50,000 |
| Warren, Kentucky | 2 | $ 210,000 | $ 105,000 | $ 52,000 |
| Crow Wing, Minnesota | 2 | $ 177,000 | $ 88,500 | $ 0 |
| Rice, Minnesota | 2 | $ 862,000 | $ 431,000 | $ 0 |
| Scott, Minnesota | 2 | $ 1,201,000 | $ 600,500 | $ 47,000 |
| Washington, Minnesota | 2 | $ 179,000 | $ 89,500 | $ 0 |
| Jackson, Mississippi | 2 | $ 198,000 | $ 99,000 | $ 0 |
| Clermont, Ohio | 2 | $ 351,000 | $ 175,500 | $ 123,000 |
| Ottawa, Ohio | 2 | $ 417,000 | $ 208,500 | $ 621,000 |
| Charleston, South Carolina | 2 | $ 1,231,000 | $ 615,500 | $ 227,000 |
| Cheatham, Tennessee | 2 | $ 452,000 | $ 226,000 | $ 607,000 |
| Jefferson, Alabama | 1 | $ 79,000 | $ 79,000 | $ 629,000 |
| Limestone, Alabama | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Bay, Florida | 1 | $ 400,000 | $ 400,000 | $ 300,000 |
| Broward, Florida | 1 | $ 400,000 | $ 400,000 | $ 657,000 |
| Indian River, Florida | 1 | $ 400,000 | $ 400,000 | $ 626,000 |
| St. Johns, Florida | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Sangamon, Illinois | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Hamilton, Indiana | 1 | $ 172,000 | $ 172,000 | $ 50,000 |
| Jackson, Indiana | 1 | $ 169,000 | $ 169,000 | $ 69,000 |
| Jefferson, Indiana | 1 | $ 52,000 | $ 52,000 | $ 34,000 |
| Orange, Indiana | 1 | $ 70,000 | $ 70,000 | $ 464,000 |
| Allen, Kentucky | 1 | $ 90,000 | $ 90,000 | $ 45,000 |
| Barren, Kentucky | 1 | $ 16,000 | $ 16,000 | $ 54,000 |
| Carter, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 101,000 |
| Graves, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 31,000 |
| McLean, Kentucky | 1 | $ 49,000 | $ 49,000 | $ 33,000 |
| Owen, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 136,000 |
| Trigg, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 317,000 |
| Wayne, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 190,000 |
| Carver, Minnesota | 1 | $ 36,000 | $ 36,000 | $ 176,000 |
| Cook, Minnesota | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Le Sueur, Minnesota | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Mille Lacs, Minnesota | 1 | $ 97,000 | $ 97,000 | $ 37,000 |
| Pine, Minnesota | 1 | $ 1,830,000 | $ 1,830,000 | $ 0 |
| Rock, Minnesota | 1 | $ 890,000 | $ 890,000 | $ 0 |
| Sherburne, Minnesota | 1 | $ 402,000 | $ 402,000 | $ 160,000 |
| Sibley, Minnesota | 1 | $ 420,000 | $ 420,000 | $ 99,000 |
| Steele, Minnesota | 1 | $ 3,146,000 | $ 3,146,000 | $ 0 |
| Swift, Minnesota | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Wilkin, Minnesota | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Hancock, Mississippi | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Wayne, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| St. Louis, Missouri | 1 | $ 12,000 | $ 12,000 | $ 34,000 |
| Cass, North Dakota | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Butler, Ohio | 1 | $ 150,000 | $ 150,000 | $ 201,000 |
| Montgomery, Ohio | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Warren, Ohio | 1 | $ 148,000 | $ 148,000 | $ 76,000 |
| DeKalb, Tennessee | 1 | $ 216,000 | $ 216,000 | $ 254,000 |
| Dickson, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Giles, Tennessee | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Madison, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Maury, Tennessee | 1 | $ 371,000 | $ 371,000 | $ 141,000 |
| Robertson, Tennessee | 1 | $ 143,000 | $ 143,000 | $ 70,000 |
| Rutherford, Tennessee | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Sevier, Tennessee | 1 | $ 76,000 | $ 76,000 | $ 96,000 |
| Sumner, Tennessee | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Wilson, Tennessee | 1 | $ 123,000 | $ 123,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2012
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 | 4,621 | $695,033,000 | $150,000 | $7,700,000 | $93,000 | $1,500,000 |
| Home Purchase | 1,384 | $259,550,000 | $187,000 | $3,146,000 | $97,000 | $2,325,000 |
| Home Improvement | 566 | $56,410,000 | $99,000 | $2,009,000 | $88,000 | $1,139,000 |
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 | 5,282 | $793,589,000 | $150,000 | $7,700,000 | $99,000 | $2,325,000 |
| Not Provided | 633 | $81,970,000 | $129,000 | $951,000 | $92,000 | $855,000 |
| Not applicable | 241 | $80,732,000 | $334,000 | $5,000,000 | $0 | $0 |
| Black or African American | 211 | $23,183,000 | $109,000 | $650,000 | $67,000 | $344,000 |
| Asian | 103 | $17,611,000 | $170,000 | $790,000 | $117,000 | $479,000 |
| Hispanic | 80 | $11,411,000 | $142,000 | $600,000 | $84,000 | $629,000 |
| American Indian or Alaskan Native | 14 | $1,541,000 | $110,000 | $257,000 | $75,000 | $464,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $956,000 | $136,000 | $216,000 | $96,000 | $189,000 |
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) | 6,344 | $980,575,000 | $154,000 | $7,700,000 | $95,000 | $2,325,000 |
| FHA-insured (Federal Housing Administration) | 203 | $26,295,000 | $129,000 | $361,000 | $54,000 | $196,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,859,000 | $175,000 | $390,000 | $66,000 | $167,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $264,000 | $132,000 | $166,000 | $34,000 | $36,000 |
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 | 3,915 | $566,653,000 | $144,000 | $2,000,000 | $102,000 | $2,325,000 |
| Application Denied By Financial Institution | 1,220 | $182,443,000 | $149,000 | $7,700,000 | $79,000 | $1,500,000 |
| Application Withdrawn By Applicant | 615 | $98,368,000 | $159,000 | $5,000,000 | $89,000 | $1,055,000 |
| File Closed For Incompleteness | 430 | $66,636,000 | $154,000 | $1,130,000 | $99,000 | $1,191,000 |
| Loan Purchased By The Institution | 333 | $87,903,000 | $263,000 | $3,146,000 | $36,000 | $1,139,000 |
| Application Approved But Not Accepted | 58 | $8,990,000 | $155,000 | $600,000 | $132,000 | $1,120,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 478 | $71,905,000 | $150,000 | $998,000 | $56,000 | $500,000 |
| Credit History | 293 | $34,900,000 | $119,000 | $1,500,000 | $77,000 | $770,000 |
| Collateral | 280 | $43,252,000 | $154,000 | $727,000 | $112,000 | $1,500,000 |
| Other | 112 | $25,386,000 | $226,000 | $7,700,000 | $108,000 | $695,000 |
| Employment History | 46 | $5,293,000 | $115,000 | $299,000 | $71,000 | $500,000 |
| Unverifiable Information | 6 | $894,000 | $149,000 | $320,000 | $58,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $256,000 | $85,000 | $124,000 | $47,000 | $82,000 |
| Mortgage Insurance Denied | 1 | $140,000 | $140,000 | $140,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 1 | $417,000 | $417,000 | $417,000 | $172,000 | $172,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2012 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About