Republic Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Republic Bank & Trust of Louisville, KY reported 6,037 mortgage applications totaling $913.2 million, down 8% from 2012. The average application was for $151,262, and applicants reported an average income of $94,127. 58% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (4,274), Lexington-Fayette, KY (680) and Owensboro, KY (296) (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 | 6,037 |
| Total Mortgage Loan Application Amount | $913,170,000 |
| Average Mortgage Loan Application Amount | $151,262 |
| Highest Mortgage Loan Application Amount | $5,855,000 |
| Average Applicant Income | $94,127 |
| Highest Applicant Income | $4,304,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,020 | $ 456,006,000 | $ 150,995 | $ 100,000 |
| Fayette, Kentucky | 523 | $ 83,507,000 | $ 159,669 | $ 83,000 |
| Daviess, Kentucky | 289 | $ 29,374,000 | $ 101,640 | $ 64,000 |
| Clark, Indiana | 256 | $ 28,365,000 | $ 110,800 | $ 76,000 |
| Oldham, Kentucky | 245 | $ 46,758,000 | $ 190,848 | $ 128,000 |
| Bullitt, Kentucky | 234 | $ 32,022,000 | $ 136,846 | $ 66,000 |
| Floyd, Indiana | 225 | $ 27,942,000 | $ 124,186 | $ 83,000 |
| Hardin, Kentucky | 211 | $ 30,414,000 | $ 144,142 | $ 67,000 |
| Shelby, Kentucky | 136 | $ 21,822,000 | $ 160,455 | $ 85,000 |
| Franklin, Kentucky | 100 | $ 13,285,000 | $ 132,850 | $ 73,000 |
| Scott, Kentucky | 90 | $ 14,002,000 | $ 155,577 | $ 84,000 |
| Kenton, Kentucky | 57 | $ 9,757,000 | $ 171,175 | $ 81,000 |
| Boone, Kentucky | 43 | $ 7,712,000 | $ 179,348 | $ 130,000 |
| Spencer, Kentucky | 43 | $ 5,744,000 | $ 133,581 | $ 75,000 |
| Nelson, Kentucky | 38 | $ 4,896,000 | $ 128,842 | $ 91,000 |
| Jessamine, Kentucky | 33 | $ 5,895,000 | $ 178,636 | $ 114,000 |
| Harrison, Indiana | 32 | $ 3,975,000 | $ 124,218 | $ 69,000 |
| Hamilton, Ohio | 29 | $ 9,798,000 | $ 337,862 | $ 169,000 |
| Anderson, Kentucky | 25 | $ 3,007,000 | $ 120,280 | $ 73,000 |
| Davidson, Tennessee | 25 | $ 5,998,000 | $ 239,920 | $ 118,000 |
| Woodford, Kentucky | 22 | $ 3,760,000 | $ 170,909 | $ 78,000 |
| Pasco, Florida | 21 | $ 2,374,000 | $ 113,047 | $ 78,000 |
| Meade, Kentucky | 21 | $ 2,011,000 | $ 95,761 | $ 68,000 |
| Madison, Kentucky | 16 | $ 2,314,000 | $ 144,625 | $ 115,000 |
| Harrison, Kentucky | 15 | $ 1,348,000 | $ 89,866 | $ 59,000 |
| Campbell, Kentucky | 14 | $ 3,170,000 | $ 226,428 | $ 80,000 |
| Hennepin, Minnesota | 14 | $ 9,098,000 | $ 649,857 | $ 226,000 |
| Williamson, Tennessee | 14 | $ 3,309,000 | $ 236,357 | $ 165,000 |
| Henry, Kentucky | 13 | $ 1,302,000 | $ 100,153 | $ 68,000 |
| Hillsborough, Florida | 11 | $ 1,747,000 | $ 158,818 | $ 111,000 |
| Grayson, Kentucky | 10 | $ 1,321,000 | $ 132,100 | $ 80,000 |
| Larue, Kentucky | 10 | $ 1,107,000 | $ 110,700 | $ 67,000 |
| Breckinridge, Kentucky | 8 | $ 934,000 | $ 116,750 | $ 56,000 |
| Pinellas, Florida | 7 | $ 1,536,000 | $ 219,428 | $ 156,000 |
| Washington, Indiana | 7 | $ 669,000 | $ 95,571 | $ 52,000 |
| Clark, Kentucky | 7 | $ 1,257,000 | $ 179,571 | $ 81,000 |
| Garrard, Kentucky | 7 | $ 705,000 | $ 100,714 | $ 74,000 |
| Scott, Indiana | 6 | $ 693,000 | $ 115,500 | $ 99,000 |
| Warren, Kentucky | 6 | $ 497,000 | $ 82,833 | $ 75,000 |
| Clermont, Ohio | 6 | $ 1,429,000 | $ 238,166 | $ 68,000 |
| Hernando, Florida | 5 | $ 384,000 | $ 76,800 | $ 47,000 |
| Bourbon, Kentucky | 5 | $ 517,000 | $ 103,400 | $ 22,000 |
| Edmonson, Kentucky | 5 | $ 727,000 | $ 145,400 | $ 244,000 |
| Mercer, Kentucky | 5 | $ 637,000 | $ 127,400 | $ 82,000 |
| Ohio, Kentucky | 5 | $ 653,000 | $ 130,600 | $ 77,000 |
| Collier, Florida | 4 | $ 4,816,000 | $ 1,204,000 | $ 352,000 |
| Palm Beach, Florida | 4 | $ 1,311,000 | $ 327,750 | $ 150,000 |
| Hancock, Kentucky | 4 | $ 300,000 | $ 75,000 | $ 54,000 |
| Trimble, Kentucky | 4 | $ 260,000 | $ 65,000 | $ 46,000 |
| Butler, Ohio | 4 | $ 1,273,000 | $ 318,250 | $ 149,000 |
| Warren, Ohio | 4 | $ 954,000 | $ 238,500 | $ 217,000 |
| Sumner, Tennessee | 4 | $ 539,000 | $ 134,750 | $ 111,000 |
| Marion, Indiana | 3 | $ 259,000 | $ 86,333 | $ 81,000 |
| Boyle, Kentucky | 3 | $ 690,000 | $ 230,000 | $ 196,000 |
| McLean, Kentucky | 3 | $ 140,000 | $ 46,666 | $ 52,000 |
| Montgomery, Kentucky | 3 | $ 518,000 | $ 172,666 | $ 51,000 |
| Powell, Kentucky | 3 | $ 284,000 | $ 94,666 | $ 62,000 |
| Dakota, Minnesota | 3 | $ 502,000 | $ 167,333 | $ 100,000 |
| Rutherford, Tennessee | 3 | $ 415,000 | $ 138,333 | $ 46,000 |
| Lee, Florida | 2 | $ 1,329,000 | $ 664,500 | $ 260,000 |
| Miami-Dade, Florida | 2 | $ 3,820,000 | $ 1,910,000 | $ 2,259,000 |
| Orange, Florida | 2 | $ 230,000 | $ 115,000 | $ 49,000 |
| Barren, Kentucky | 2 | $ 225,000 | $ 112,500 | $ 62,000 |
| Bath, Kentucky | 2 | $ 170,000 | $ 85,000 | $ 55,000 |
| Green, Kentucky | 2 | $ 128,000 | $ 64,000 | $ 5,000 |
| Harlan, Kentucky | 2 | $ 105,000 | $ 52,500 | $ 80,000 |
| Hart, Kentucky | 2 | $ 242,000 | $ 121,000 | $ 165,000 |
| Marion, Kentucky | 2 | $ 239,000 | $ 119,500 | $ 73,000 |
| Russell, Kentucky | 2 | $ 159,000 | $ 79,500 | $ 115,000 |
| Trigg, Kentucky | 2 | $ 222,000 | $ 111,000 | $ 91,000 |
| Carver, Minnesota | 2 | $ 448,000 | $ 224,000 | $ 122,000 |
| Scott, Minnesota | 2 | $ 212,000 | $ 106,000 | $ 117,000 |
| Wright, Minnesota | 2 | $ 632,000 | $ 316,000 | $ 93,000 |
| Miami, Ohio | 2 | $ 235,000 | $ 117,500 | $ 163,000 |
| Cheatham, Tennessee | 2 | $ 215,000 | $ 107,500 | $ 72,000 |
| Limestone, Alabama | 1 | $ 129,000 | $ 129,000 | $ 50,000 |
| Boulder, Colorado | 1 | $ 160,000 | $ 160,000 | $ 590,000 |
| Alachua, Florida | 1 | $ 113,000 | $ 113,000 | $ 600,000 |
| Bay, Florida | 1 | $ 95,000 | $ 95,000 | $ 77,000 |
| Brevard, Florida | 1 | $ 80,000 | $ 80,000 | $ 94,000 |
| Citrus, Florida | 1 | $ 160,000 | $ 160,000 | $ 203,000 |
| Escambia, Florida | 1 | $ 196,000 | $ 196,000 | $ 184,000 |
| Leon, Florida | 1 | $ 199,000 | $ 199,000 | $ 97,000 |
| Manatee, Florida | 1 | $ 328,000 | $ 328,000 | $ 0 |
| Osceola, Florida | 1 | $ 109,000 | $ 109,000 | $ 226,000 |
| Polk, Florida | 1 | $ 376,000 | $ 376,000 | $ 155,000 |
| Sarasota, Florida | 1 | $ 2,000,000 | $ 2,000,000 | $ 825,000 |
| St. Lucie, Florida | 1 | $ 50,000 | $ 50,000 | $ 86,000 |
| Volusia, Florida | 1 | $ 314,000 | $ 314,000 | $ 143,000 |
| Cook, Illinois | 1 | $ 452,000 | $ 452,000 | $ 4,304,000 |
| Hamilton, Indiana | 1 | $ 120,000 | $ 120,000 | $ 81,000 |
| Jackson, Indiana | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Jefferson, Indiana | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Morgan, Indiana | 1 | $ 82,000 | $ 82,000 | $ 63,000 |
| Orange, Indiana | 1 | $ 40,000 | $ 40,000 | $ 18,000 |
| Vanderburgh, Indiana | 1 | $ 54,000 | $ 54,000 | $ 48,000 |
| Butler, Kentucky | 1 | $ 29,000 | $ 29,000 | $ 118,000 |
| Carroll, Kentucky | 1 | $ 142,000 | $ 142,000 | $ 89,000 |
| Casey, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Grant, Kentucky | 1 | $ 170,000 | $ 170,000 | $ 64,000 |
| Lee, Kentucky | 1 | $ 46,000 | $ 46,000 | $ 33,000 |
| Muhlenberg, Kentucky | 1 | $ 130,000 | $ 130,000 | $ 41,000 |
| Nicholas, Kentucky | 1 | $ 20,000 | $ 20,000 | $ 88,000 |
| Owen, Kentucky | 1 | $ 167,000 | $ 167,000 | $ 87,000 |
| Pulaski, Kentucky | 1 | $ 44,000 | $ 44,000 | $ 88,000 |
| Rowan, Kentucky | 1 | $ 153,000 | $ 153,000 | $ 78,000 |
| Simpson, Kentucky | 1 | $ 80,000 | $ 80,000 | $ 46,000 |
| Taylor, Kentucky | 1 | $ 100,000 | $ 100,000 | $ 66,000 |
| Washington, Kentucky | 1 | $ 140,000 | $ 140,000 | $ 181,000 |
| Baltimore City, Maryland | 1 | $ 292,000 | $ 292,000 | $ 73,000 |
| Ramsey, Minnesota | 1 | $ 464,000 | $ 464,000 | $ 0 |
| Sibley, Minnesota | 1 | $ 419,000 | $ 419,000 | $ 124,000 |
| St. Louis City, Missouri | 1 | $ 190,000 | $ 190,000 | $ 100,000 |
| Charleston, South Carolina | 1 | $ 400,000 | $ 400,000 | $ 63,000 |
| Hardeman, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 22,000 |
| Marshall, Tennessee | 1 | $ 80,000 | $ 80,000 | $ 95,000 |
| Maury, Tennessee | 1 | $ 97,000 | $ 97,000 | $ 302,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2013
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 | 3,755 | $566,938,000 | $150,000 | $5,855,000 | $89,000 | $3,455,000 |
| Home Purchase | 1,814 | $305,845,000 | $168,000 | $3,000,000 | $104,000 | $4,304,000 |
| Home Improvement | 468 | $40,387,000 | $86,000 | $740,000 | $97,000 | $3,389,000 |
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 | 5,137 | $745,014,000 | $145,000 | $3,000,000 | $98,000 | $3,722,000 |
| Not Provided | 363 | $43,514,000 | $119,000 | $777,000 | $85,000 | $626,000 |
| Black or African American | 185 | $22,710,000 | $122,000 | $872,000 | $92,000 | $4,304,000 |
| Not applicable | 133 | $69,340,000 | $521,000 | $5,855,000 | $0 | $0 |
| Asian | 109 | $17,583,000 | $161,000 | $1,000,000 | $119,000 | $632,000 |
| Hispanic | 90 | $11,506,000 | $127,000 | $417,000 | $69,000 | $350,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,364,000 | $236,000 | $790,000 | $152,000 | $363,000 |
| American Indian or Alaskan Native | 10 | $1,139,000 | $113,000 | $295,000 | $85,000 | $277,000 |
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) | 5,786 | $882,462,000 | $152,000 | $5,855,000 | $96,000 | $4,304,000 |
| FHA-insured (Federal Housing Administration) | 216 | $24,932,000 | $115,000 | $291,000 | $52,000 | $226,000 |
| VA-guaranteed (Veterans Administration) | 29 | $4,829,000 | $166,000 | $382,000 | $69,000 | $218,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $947,000 | $157,000 | $247,000 | $49,000 | $109,000 |
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 | 3,479 | $529,896,000 | $152,000 | $3,000,000 | $104,000 | $4,304,000 |
| Application Denied By Financial Institution | 1,242 | $180,354,000 | $145,000 | $2,000,000 | $79,000 | $1,768,000 |
| Application Withdrawn By Applicant | 867 | $131,605,000 | $151,000 | $1,560,000 | $82,000 | $709,000 |
| File Closed For Incompleteness | 329 | $48,415,000 | $147,000 | $720,000 | $93,000 | $730,000 |
| Loan Purchased By The Institution | 82 | $9,487,000 | $115,000 | $417,000 | $67,000 | $575,000 |
| Application Approved But Not Accepted | 38 | $13,413,000 | $352,000 | $5,855,000 | $104,000 | $312,000 |
| 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 | 426 | $49,038,000 | $115,000 | $750,000 | $74,000 | $1,454,000 |
| Debt-To-Income Ratio | 405 | $56,274,000 | $138,000 | $1,225,000 | $60,000 | $436,000 |
| Collateral | 205 | $34,739,000 | $169,000 | $2,000,000 | $120,000 | $1,768,000 |
| Other | 135 | $29,471,000 | $218,000 | $1,830,000 | $91,000 | $1,025,000 |
| Employment History | 37 | $4,664,000 | $126,000 | $387,000 | $54,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $468,000 | $234,000 | $417,000 | $165,000 | $287,000 |
| Mortgage Insurance Denied | 1 | $230,000 | $230,000 | $230,000 | $94,000 | $94,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2013 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