Republic Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Republic Bank & Trust of Louisville, KY reported 3,093 mortgage applications totaling $694.2 million, down 49% from 2013. The average application was for $224,428, and applicants reported an average income of $89,294. 52% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,939), Lexington-Fayette, KY (279) and San Jose-Sunnyvale-Santa Clara, CA (138) (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 | 3,093 |
| Total Mortgage Loan Application Amount | $694,158,000 |
| Average Mortgage Loan Application Amount | $224,428 |
| Highest Mortgage Loan Application Amount | $11,100,000 |
| Average Applicant Income | $89,294 |
| Highest Applicant Income | $9,600,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,416 | $ 240,148,000 | $ 169,596 | $ 100,000 |
| Fayette, Kentucky | 213 | $ 47,114,000 | $ 221,192 | $ 82,000 |
| Santa Clara, California | 138 | $ 94,765,000 | $ 686,702 | $ 0 |
| Clark, Indiana | 130 | $ 15,413,000 | $ 118,561 | $ 65,000 |
| Daviess, Kentucky | 114 | $ 14,074,000 | $ 123,456 | $ 82,000 |
| Oldham, Kentucky | 104 | $ 22,776,000 | $ 219,000 | $ 204,000 |
| Bullitt, Kentucky | 96 | $ 12,713,000 | $ 132,427 | $ 66,000 |
| Floyd, Indiana | 84 | $ 11,516,000 | $ 137,095 | $ 81,000 |
| Hardin, Kentucky | 73 | $ 7,566,000 | $ 103,643 | $ 62,000 |
| Shelby, Kentucky | 73 | $ 8,779,000 | $ 120,260 | $ 102,000 |
| Alameda, California | 57 | $ 39,175,000 | $ 687,280 | $ 0 |
| Franklin, Kentucky | 45 | $ 5,017,000 | $ 111,488 | $ 82,000 |
| Scott, Kentucky | 40 | $ 6,547,000 | $ 163,675 | $ 82,000 |
| Kenton, Kentucky | 32 | $ 6,942,000 | $ 216,937 | $ 125,000 |
| Boone, Kentucky | 25 | $ 5,807,000 | $ 232,280 | $ 236,000 |
| Hamilton, Ohio | 25 | $ 7,333,000 | $ 293,320 | $ 134,000 |
| Los Angeles, California | 24 | $ 14,494,000 | $ 603,916 | $ 0 |
| Orange, California | 22 | $ 16,624,000 | $ 755,636 | $ 0 |
| Pasco, Florida | 20 | $ 2,129,000 | $ 106,450 | $ 56,000 |
| Davidson, Tennessee | 18 | $ 5,353,000 | $ 297,388 | $ 292,000 |
| Nelson, Kentucky | 16 | $ 2,346,000 | $ 146,625 | $ 72,000 |
| San Mateo, California | 13 | $ 10,599,000 | $ 815,307 | $ 0 |
| Larue, Kentucky | 13 | $ 1,032,000 | $ 79,384 | $ 53,000 |
| Contra Costa, California | 12 | $ 9,017,000 | $ 751,416 | $ 0 |
| Harrison, Indiana | 11 | $ 1,459,000 | $ 132,636 | $ 72,000 |
| Grayson, Kentucky | 11 | $ 1,174,000 | $ 106,727 | $ 92,000 |
| Jessamine, Kentucky | 11 | $ 1,995,000 | $ 181,363 | $ 120,000 |
| Spencer, Kentucky | 11 | $ 1,702,000 | $ 154,727 | $ 83,000 |
| Hillsborough, Florida | 10 | $ 2,379,000 | $ 237,900 | $ 107,000 |
| Woodford, Kentucky | 10 | $ 3,986,000 | $ 398,600 | $ 107,000 |
| Pinellas, Florida | 9 | $ 2,196,000 | $ 244,000 | $ 191,000 |
| Anderson, Kentucky | 9 | $ 1,039,000 | $ 115,444 | $ 54,000 |
| Ohio, Kentucky | 9 | $ 678,000 | $ 75,333 | $ 50,000 |
| Campbell, Kentucky | 8 | $ 7,044,000 | $ 880,500 | $ 82,000 |
| Henry, Kentucky | 8 | $ 1,164,000 | $ 145,500 | $ 86,000 |
| Williamson, Tennessee | 8 | $ 2,630,000 | $ 328,750 | $ 148,000 |
| Madison, Kentucky | 7 | $ 1,048,000 | $ 149,714 | $ 52,000 |
| Montgomery, Maryland | 7 | $ 4,882,000 | $ 697,428 | $ 0 |
| Meade, Kentucky | 6 | $ 944,000 | $ 157,333 | $ 73,000 |
| Butler, Ohio | 6 | $ 1,309,000 | $ 218,166 | $ 116,000 |
| San Diego, California | 5 | $ 3,272,000 | $ 654,400 | $ 0 |
| Clark, Kentucky | 5 | $ 740,000 | $ 148,000 | $ 58,000 |
| Fairfax, Virginia | 5 | $ 4,150,000 | $ 830,000 | $ 47,000 |
| San Bernardino, California | 4 | $ 1,536,000 | $ 384,000 | $ 12,000 |
| Miami-Dade, Florida | 4 | $ 2,803,000 | $ 700,750 | $ 308,000 |
| Washington, Indiana | 4 | $ 368,000 | $ 92,000 | $ 50,000 |
| King, Washington | 4 | $ 2,687,000 | $ 671,750 | $ 0 |
| Bay, Florida | 3 | $ 309,000 | $ 103,000 | $ 93,000 |
| Broward, Florida | 3 | $ 804,000 | $ 268,000 | $ 45,000 |
| Cook, Illinois | 3 | $ 1,006,000 | $ 335,333 | $ 43,000 |
| Marion, Indiana | 3 | $ 1,055,000 | $ 351,666 | $ 40,000 |
| Pulaski, Kentucky | 3 | $ 952,000 | $ 317,333 | $ 466,000 |
| Sevier, Tennessee | 3 | $ 678,000 | $ 226,000 | $ 71,000 |
| Maricopa, Arizona | 2 | $ 555,000 | $ 277,500 | $ 0 |
| El Dorado, California | 2 | $ 948,000 | $ 474,000 | $ 0 |
| Riverside, California | 2 | $ 727,000 | $ 363,500 | $ 326,000 |
| Sacramento, California | 2 | $ 773,000 | $ 386,500 | $ 0 |
| Ventura, California | 2 | $ 1,327,000 | $ 663,500 | $ 0 |
| Yolo, California | 2 | $ 1,380,000 | $ 690,000 | $ 0 |
| Citrus, Florida | 2 | $ 348,000 | $ 174,000 | $ 158,000 |
| Collier, Florida | 2 | $ 1,540,000 | $ 770,000 | $ 0 |
| Carroll, Kentucky | 2 | $ 302,000 | $ 151,000 | $ 90,000 |
| Harrison, Kentucky | 2 | $ 63,000 | $ 31,500 | $ 74,000 |
| Hart, Kentucky | 2 | $ 384,000 | $ 192,000 | $ 107,000 |
| Morris, New Jersey | 2 | $ 2,629,000 | $ 1,314,500 | $ 0 |
| Somerset, New Jersey | 2 | $ 1,971,000 | $ 985,500 | $ 0 |
| Clermont, Ohio | 2 | $ 528,000 | $ 264,000 | $ 24,000 |
| Cuyahoga, Ohio | 2 | $ 184,000 | $ 92,000 | $ 59,000 |
| Warren, Ohio | 2 | $ 275,000 | $ 137,500 | $ 27,000 |
| Montgomery, Pennsylvania | 2 | $ 638,000 | $ 319,000 | $ 0 |
| Rutherford, Tennessee | 2 | $ 590,000 | $ 295,000 | $ 180,000 |
| Sumner, Tennessee | 2 | $ 383,000 | $ 191,500 | $ 66,000 |
| Marin, California | 1 | $ 819,000 | $ 819,000 | $ 0 |
| Santa Cruz, California | 1 | $ 779,000 | $ 779,000 | $ 0 |
| Arapahoe, Colorado | 1 | $ 747,000 | $ 747,000 | $ 0 |
| Charlotte, Florida | 1 | $ 264,000 | $ 264,000 | $ 250,000 |
| Hernando, Florida | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Indian River, Florida | 1 | $ 132,000 | $ 132,000 | $ 187,000 |
| Lake, Florida | 1 | $ 195,000 | $ 195,000 | $ 116,000 |
| Leon, Florida | 1 | $ 296,000 | $ 296,000 | $ 85,000 |
| Manatee, Florida | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Orange, Florida | 1 | $ 173,000 | $ 173,000 | $ 32,000 |
| Palm Beach, Florida | 1 | $ 237,000 | $ 237,000 | $ 117,000 |
| Seminole, Florida | 1 | $ 255,000 | $ 255,000 | $ 115,000 |
| DeKalb, Georgia | 1 | $ 582,000 | $ 582,000 | $ 0 |
| Glynn, Georgia | 1 | $ 397,000 | $ 397,000 | $ 425,000 |
| DuPage, Illinois | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Kane, Illinois | 1 | $ 536,000 | $ 536,000 | $ 0 |
| Lake, Illinois | 1 | $ 579,000 | $ 579,000 | $ 0 |
| Jefferson, Indiana | 1 | $ 112,000 | $ 112,000 | $ 41,000 |
| Scott, Indiana | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Vigo, Indiana | 1 | $ 47,000 | $ 47,000 | $ 24,000 |
| Allen, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 268,000 |
| Barren, Kentucky | 1 | $ 143,000 | $ 143,000 | $ 51,000 |
| Breckinridge, Kentucky | 1 | $ 144,000 | $ 144,000 | $ 100,000 |
| Butler, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 66,000 |
| Letcher, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Marshall, Kentucky | 1 | $ 48,000 | $ 48,000 | $ 29,000 |
| McLean, Kentucky | 1 | $ 78,000 | $ 78,000 | $ 39,000 |
| Mercer, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Metcalfe, Kentucky | 1 | $ 73,000 | $ 73,000 | $ 60,000 |
| Montgomery, Kentucky | 1 | $ 128,000 | $ 128,000 | $ 30,000 |
| Powell, Kentucky | 1 | $ 80,000 | $ 80,000 | $ 63,000 |
| Taylor, Kentucky | 1 | $ 76,000 | $ 76,000 | $ 187,000 |
| Trimble, Kentucky | 1 | $ 5,000 | $ 5,000 | $ 17,000 |
| Warren, Kentucky | 1 | $ 59,000 | $ 59,000 | $ 83,000 |
| Washington, Kentucky | 1 | $ 200,000 | $ 200,000 | $ 180,000 |
| Baltimore, Maryland | 1 | $ 373,000 | $ 373,000 | $ 0 |
| Harford, Maryland | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Oakland, Michigan | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Carver, Minnesota | 1 | $ 28,000 | $ 28,000 | $ 366,000 |
| Cook, Minnesota | 1 | $ 196,000 | $ 196,000 | $ 505,000 |
| Hennepin, Minnesota | 1 | $ 112,000 | $ 112,000 | $ 505,000 |
| Le Sueur, Minnesota | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Washington, Minnesota | 1 | $ 384,000 | $ 384,000 | $ 0 |
| Cape May, New Jersey | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Middlesex, New Jersey | 1 | $ 530,000 | $ 530,000 | $ 0 |
| Monmouth, New Jersey | 1 | $ 512,000 | $ 512,000 | $ 0 |
| Union, New Jersey | 1 | $ 314,000 | $ 314,000 | $ 0 |
| Franklin, Ohio | 1 | $ 425,000 | $ 425,000 | $ 550,000 |
| Lucas, Ohio | 1 | $ 98,000 | $ 98,000 | $ 192,000 |
| Union, Ohio | 1 | $ 240,000 | $ 240,000 | $ 101,000 |
| Adams, Pennsylvania | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Chester, Pennsylvania | 1 | $ 556,000 | $ 556,000 | $ 0 |
| Montgomery, Tennessee | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Overton, Tennessee | 1 | $ 56,000 | $ 56,000 | $ 36,000 |
| Shelby, Tennessee | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Travis, Texas | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Henrico, Virginia | 1 | $ 192,000 | $ 192,000 | $ 95,000 |
| Loudoun, Virginia | 1 | $ 353,000 | $ 353,000 | $ 0 |
| Prince William, Virginia | 1 | $ 200,000 | $ 200,000 | $ 104,000 |
| Richmond City, Virginia | 1 | $ 142,000 | $ 142,000 | $ 47,000 |
| Kenosha, Wisconsin | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Waukesha, Wisconsin | 1 | $ 222,000 | $ 222,000 | $ 0 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,757 | $395,923,000 | $225,000 | $3,300,000 | $99,000 | $9,600,000 |
| Refinancing | 999 | $267,883,000 | $268,000 | $11,100,000 | $73,000 | $2,448,000 |
| Home Improvement | 337 | $30,352,000 | $90,000 | $2,748,000 | $87,000 | $743,000 |
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 | 2,301 | $371,686,000 | $161,000 | $2,310,000 | $109,000 | $9,600,000 |
| Not applicable | 482 | $280,278,000 | $581,000 | $11,100,000 | $0 | $0 |
| Black or African American | 106 | $11,077,000 | $104,000 | $603,000 | $61,000 | $360,000 |
| Not Provided | 103 | $16,188,000 | $157,000 | $725,000 | $114,000 | $673,000 |
| Hispanic | 59 | $7,265,000 | $123,000 | $376,000 | $49,000 | $129,000 |
| Asian | 29 | $4,708,000 | $162,000 | $1,000,000 | $83,000 | $437,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,126,000 | $303,000 | $702,000 | $198,000 | $420,000 |
| American Indian or Alaskan Native | 6 | $830,000 | $138,000 | $498,000 | $80,000 | $215,000 |
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) | 2,957 | $677,442,000 | $229,000 | $11,100,000 | $91,000 | $9,600,000 |
| FHA-insured (Federal Housing Administration) | 114 | $13,857,000 | $121,000 | $270,000 | $53,000 | $272,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,803,000 | $138,000 | $289,000 | $55,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,056,000 | $117,000 | $174,000 | $43,000 | $105,000 |
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 | 1,610 | $271,609,000 | $168,000 | $2,740,000 | $107,000 | $3,000,000 |
| Application Denied By Financial Institution | 635 | $90,439,000 | $142,000 | $2,310,000 | $77,000 | $2,448,000 |
| Application Withdrawn By Applicant | 393 | $88,651,000 | $225,000 | $11,100,000 | $92,000 | $1,400,000 |
| Loan Purchased By The Institution | 354 | $226,986,000 | $641,000 | $2,000,000 | $2,000 | $130,000 |
| File Closed For Incompleteness | 86 | $14,409,000 | $167,000 | $1,890,000 | $187,000 | $9,600,000 |
| Application Approved But Not Accepted | 15 | $2,064,000 | $137,000 | $490,000 | $113,000 | $480,000 |
| 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 | 270 | $25,918,000 | $95,000 | $610,000 | $76,000 | $2,448,000 |
| Debt-To-Income Ratio | 200 | $36,538,000 | $182,000 | $2,310,000 | $64,000 | $540,000 |
| Collateral | 88 | $13,338,000 | $151,000 | $1,170,000 | $123,000 | $760,000 |
| Other | 42 | $9,410,000 | $224,000 | $1,410,000 | $62,000 | $600,000 |
| Employment History | 31 | $4,280,000 | $138,000 | $417,000 | $73,000 | $452,000 |
| Unverifiable Information | 4 | $955,000 | $238,000 | $444,000 | $62,000 | $160,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2014 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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