Republic Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Republic Bank & Trust Company 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Republic Bank & Trust Company 601 W Market St Louisville, KY 40202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 3,477 |
| Total Mortgage Loan Application Amount | $708,814,000 |
| Average Mortgage Loan Application Amount | $169,000 |
| Highest Mortgage Loan Application Amount | $9,266,000 |
| Average Applicant Income | $95,666 |
| Highest Applicant Income | $4,367,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Republic Bank & Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Republic Bank & Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Republic Bank & Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Republic Bank & Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Republic Bank & Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Republic Bank & Trust Company's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson County Kentucky | 1,615 | $ 284,486,000 | $ 176,000 | $ 100,000 |
| Fayette County Kentucky | 297 | $ 50,963,000 | $ 171,000 | $ 91,000 |
| Clark County Indiana | 143 | $ 16,921,000 | $ 118,000 | $ 68,000 |
| Daviess County Kentucky | 143 | $ 18,890,000 | $ 132,000 | $ 75,000 |
| Oldham County Kentucky | 134 | $ 30,050,000 | $ 224,000 | $ 152,000 |
| Bullitt County Kentucky | 99 | $ 15,418,000 | $ 155,000 | $ 84,000 |
| Floyd County Indiana | 93 | $ 13,170,000 | $ 141,000 | $ 86,000 |
| Shelby County Kentucky | 82 | $ 10,514,000 | $ 128,000 | $ 89,000 |
| Hardin County Kentucky | 74 | $ 9,339,000 | $ 126,000 | $ 73,000 |
| Franklin County Kentucky | 47 | $ 5,630,000 | $ 119,000 | $ 58,000 |
| Santa Clara County California | 46 | $ 31,658,000 | $ 688,000 | $ 0 |
| Hamilton County Ohio | 41 | $ 16,193,000 | $ 394,000 | $ 107,000 |
| Davidson County Tennessee | 38 | $ 7,915,000 | $ 208,000 | $ 159,000 |
| Scott County Kentucky | 32 | $ 4,506,000 | $ 140,000 | $ 86,000 |
| Kenton County Kentucky | 28 | $ 10,221,000 | $ 365,000 | $ 112,000 |
| Pasco County Florida | 25 | $ 3,502,000 | $ 140,000 | $ 77,000 |
| Jessamine County Kentucky | 23 | $ 4,690,000 | $ 203,000 | $ 144,000 |
| Boone County Kentucky | 19 | $ 4,557,000 | $ 239,000 | $ 126,000 |
| Pinellas County Florida | 18 | $ 4,701,000 | $ 261,000 | $ 73,000 |
| Campbell County Kentucky | 18 | $ 3,358,000 | $ 186,000 | $ 98,000 |
| Harrison County Indiana | 17 | $ 2,308,000 | $ 135,000 | $ 72,000 |
| Alameda County California | 15 | $ 9,129,000 | $ 608,000 | $ 0 |
| Orange County California | 15 | $ 11,681,000 | $ 778,000 | $ 0 |
| Williamson County Tennessee | 15 | $ 5,695,000 | $ 379,000 | $ 274,000 |
| Anderson County Kentucky | 14 | $ 1,700,000 | $ 121,000 | $ 59,000 |
| Nelson County Kentucky | 14 | $ 1,380,000 | $ 98,000 | $ 56,000 |
| Spencer County Kentucky | 12 | $ 1,779,000 | $ 148,000 | $ 99,000 |
| Woodford County Kentucky | 12 | $ 1,689,000 | $ 140,000 | $ 69,000 |
| Hillsborough County Florida | 10 | $ 2,318,000 | $ 231,000 | $ 81,000 |
| Larue County Kentucky | 10 | $ 1,117,000 | $ 111,000 | $ 66,000 |
| Madison County Kentucky | 10 | $ 2,516,000 | $ 251,000 | $ 82,000 |
| Meade County Kentucky | 10 | $ 1,247,000 | $ 124,000 | $ 63,000 |
| Los Angeles County California | 9 | $ 6,428,000 | $ 714,000 | $ 0 |
| San Mateo County California | 9 | $ 7,522,000 | $ 835,000 | $ 0 |
| Grayson County Kentucky | 9 | $ 1,790,000 | $ 198,000 | $ 193,000 |
| Contra Costa County California | 8 | $ 5,294,000 | $ 661,000 | $ 0 |
| Henrico County Virginia | 7 | $ 2,562,000 | $ 366,000 | $ 129,000 |
| Clark County Kentucky | 6 | $ 1,028,000 | $ 171,000 | $ 214,000 |
| Henry County Kentucky | 6 | $ 578,000 | $ 96,000 | $ 76,000 |
| Montgomery County Maryland | 6 | $ 3,072,000 | $ 512,000 | $ 0 |
| Butler County Ohio | 6 | $ 1,159,000 | $ 193,000 | $ 88,000 |
| Fairfax County Virginia | 6 | $ 2,938,000 | $ 489,000 | $ 89,000 |
| San Diego County California | 5 | $ 2,801,000 | $ 560,000 | $ 0 |
| Broward County Florida | 5 | $ 1,282,000 | $ 256,000 | $ 77,000 |
| Orange County Florida | 5 | $ 1,203,000 | $ 240,000 | $ 73,000 |
| Ohio County Kentucky | 5 | $ 687,000 | $ 137,000 | $ 96,000 |
| Franklin County Ohio | 5 | $ 832,000 | $ 166,000 | $ 168,000 |
| Shelby County Tennessee | 5 | $ 1,202,000 | $ 240,000 | $ 119,000 |
| Arlington County Virginia | 5 | $ 2,664,000 | $ 532,000 | $ 177,000 |
| Loudoun County Virginia | 5 | $ 2,830,000 | $ 566,000 | $ 166,000 |
| Lee County Florida | 4 | $ 679,000 | $ 169,000 | $ 48,000 |
| Manatee County Florida | 4 | $ 1,258,000 | $ 314,000 | $ 149,000 |
| Washington County Indiana | 4 | $ 688,000 | $ 172,000 | $ 45,000 |
| Breckinridge County Kentucky | 4 | $ 248,000 | $ 62,000 | $ 36,000 |
| Henderson County Kentucky | 4 | $ 423,000 | $ 105,000 | $ 52,000 |
| Cuyahoga County Ohio | 4 | $ 641,000 | $ 160,000 | $ 78,000 |
| Sumner County Tennessee | 4 | $ 853,000 | $ 213,000 | $ 116,000 |
| Wilson County Tennessee | 4 | $ 759,000 | $ 189,000 | $ 97,000 |
| King George County Virginia | 4 | $ 794,000 | $ 198,000 | $ 116,000 |
| Collier County Florida | 3 | $ 1,119,000 | $ 373,000 | $ 193,000 |
| Hernando County Florida | 3 | $ 313,000 | $ 104,000 | $ 44,000 |
| Osceola County Florida | 3 | $ 645,000 | $ 215,000 | $ 95,000 |
| Monroe County Indiana | 3 | $ 551,000 | $ 183,000 | $ 119,000 |
| Bourbon County Kentucky | 3 | $ 292,000 | $ 97,000 | $ 40,000 |
| Harrison County Kentucky | 3 | $ 170,000 | $ 56,000 | $ 52,000 |
| Warren County Kentucky | 3 | $ 362,000 | $ 120,000 | $ 53,000 |
| Hennepin County Minnesota | 3 | $ 857,000 | $ 285,000 | $ 139,000 |
| Monmouth County New Jersey | 3 | $ 2,037,000 | $ 679,000 | $ 0 |
| Clermont County Ohio | 3 | $ 2,021,000 | $ 673,000 | $ 112,000 |
| Montgomery County Ohio | 3 | $ 9,164,000 | $ 3,054,000 | $ 0 |
| Summit County Ohio | 3 | $ 829,000 | $ 276,000 | $ 107,000 |
| Warren County Ohio | 3 | $ 2,224,000 | $ 741,000 | $ 71,000 |
| King County Washington | 3 | $ 2,355,000 | $ 785,000 | $ 0 |
| Maricopa County Arizona | 2 | $ 1,209,000 | $ 604,000 | $ 0 |
| Riverside County California | 2 | $ 878,000 | $ 439,000 | $ 0 |
| San Bernardino County California | 2 | $ 1,112,000 | $ 556,000 | $ 0 |
| District of Columbia County District Of Columbia | 2 | $ 1,102,000 | $ 551,000 | $ 0 |
| Alachua County Florida | 2 | $ 223,000 | $ 111,000 | $ 69,000 |
| Marion County Florida | 2 | $ 392,000 | $ 196,000 | $ 112,000 |
| Miami-Dade County Florida | 2 | $ 502,000 | $ 251,000 | $ 111,000 |
| Okaloosa County Florida | 2 | $ 394,000 | $ 197,000 | $ 88,000 |
| Palm Beach County Florida | 2 | $ 320,000 | $ 160,000 | $ 72,000 |
| Sumter County Florida | 2 | $ 391,000 | $ 195,000 | $ 202,000 |
| Cook County Illinois | 2 | $ 1,884,000 | $ 942,000 | $ 0 |
| DuPage County Illinois | 2 | $ 916,000 | $ 458,000 | $ 0 |
| Scott County Indiana | 2 | $ 220,000 | $ 110,000 | $ 15,000 |
| Vanderburgh County Indiana | 2 | $ 4,684,000 | $ 2,342,000 | $ 0 |
| Barren County Kentucky | 2 | $ 506,000 | $ 253,000 | $ 121,000 |
| Edmonson County Kentucky | 2 | $ 459,000 | $ 229,000 | $ 490,000 |
| Garrard County Kentucky | 2 | $ 101,000 | $ 50,000 | $ 26,000 |
| Hart County Kentucky | 2 | $ 192,000 | $ 96,000 | $ 52,000 |
| McLean County Kentucky | 2 | $ 80,000 | $ 40,000 | $ 65,000 |
| Pulaski County Kentucky | 2 | $ 177,000 | $ 88,000 | $ 251,000 |
| Trimble County Kentucky | 2 | $ 238,000 | $ 119,000 | $ 49,000 |
| St. Louis County Minnesota | 2 | $ 237,000 | $ 118,000 | $ 81,000 |
| Bergen County New Jersey | 2 | $ 908,000 | $ 454,000 | $ 0 |
| Medina County Ohio | 2 | $ 461,000 | $ 230,000 | $ 79,000 |
| Maury County Tennessee | 2 | $ 244,000 | $ 122,000 | $ 43,000 |
| Alexandria County Virginia | 2 | $ 640,000 | $ 320,000 | $ 140,000 |
| Lee County Alabama | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Calaveras County California | 1 | $ 311,000 | $ 311,000 | $ 0 |
| Fresno County California | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Monterey County California | 1 | $ 1,386,000 | $ 1,386,000 | $ 0 |
| Napa County California | 1 | $ 1,308,000 | $ 1,308,000 | $ 0 |
| Placer County California | 1 | $ 454,000 | $ 454,000 | $ 0 |
| Sacramento County California | 1 | $ 180,000 | $ 180,000 | $ 0 |
| San Francisco County California | 1 | $ 730,000 | $ 730,000 | $ 0 |
| Santa Barbara County California | 1 | $ 1,385,000 | $ 1,385,000 | $ 0 |
| Santa Cruz County California | 1 | $ 476,000 | $ 476,000 | $ 0 |
| Solano County California | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Bay County Florida | 1 | $ 76,000 | $ 76,000 | $ 91,000 |
| Charlotte County Florida | 1 | $ 360,000 | $ 360,000 | $ 260,000 |
| Escambia County Florida | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Polk County Florida | 1 | $ 224,000 | $ 224,000 | $ 75,000 |
| Santa Rosa County Florida | 1 | $ 204,000 | $ 204,000 | $ 112,000 |
| Sarasota County Florida | 1 | $ 213,000 | $ 213,000 | $ 76,000 |
| St. Johns County Florida | 1 | $ 410,000 | $ 410,000 | $ 290,000 |
| DeKalb County Georgia | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Effingham County Georgia | 1 | $ 264,000 | $ 264,000 | $ 128,000 |
| Lake County Illinois | 1 | $ 620,000 | $ 620,000 | $ 0 |
| Bartholomew County Indiana | 1 | $ 469,000 | $ 469,000 | $ 976,000 |
| Boone County Indiana | 1 | $ 565,000 | $ 565,000 | $ 328,000 |
| Carroll County Indiana | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Crawford County Indiana | 1 | $ 149,000 | $ 149,000 | $ 63,000 |
| Dearborn County Indiana | 1 | $ 150,000 | $ 150,000 | $ 300,000 |
| Marion County Indiana | 1 | $ 5,000,000 | $ 5,000,000 | $ 0 |
| Orange County Indiana | 1 | $ 60,000 | $ 60,000 | $ 59,000 |
| Allen County Kentucky | 1 | $ 17,000 | $ 17,000 | $ 66,000 |
| Grant County Kentucky | 1 | $ 69,000 | $ 69,000 | $ 28,000 |
| Hancock County Kentucky | 1 | $ 68,000 | $ 68,000 | $ 43,000 |
| Mason County Kentucky | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Mercer County Kentucky | 1 | $ 162,000 | $ 162,000 | $ 156,000 |
| Muhlenberg County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Owen County Kentucky | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Rowan County Kentucky | 1 | $ 80,000 | $ 80,000 | $ 69,000 |
| Russell County Kentucky | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Taylor County Kentucky | 1 | $ 204,000 | $ 204,000 | $ 145,000 |
| Baltimore City County Maryland | 1 | $ 501,000 | $ 501,000 | $ 0 |
| Middlesex County Massachusetts | 1 | $ 458,000 | $ 458,000 | $ 0 |
| Emmet County Michigan | 1 | $ 405,000 | $ 405,000 | $ 3,393,000 |
| Isanti County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Scott County Minnesota | 1 | $ 288,000 | $ 288,000 | $ 150,000 |
| Ocean County New Jersey | 1 | $ 396,000 | $ 396,000 | $ 0 |
| Hoke County North Carolina | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 541,000 | $ 541,000 | $ 0 |
| Licking County Ohio | 1 | $ 136,000 | $ 136,000 | $ 64,000 |
| Lorain County Ohio | 1 | $ 264,000 | $ 264,000 | $ 129,000 |
| Marion County Ohio | 1 | $ 298,000 | $ 298,000 | $ 113,000 |
| Miami County Ohio | 1 | $ 108,000 | $ 108,000 | $ 98,000 |
| Portage County Ohio | 1 | $ 276,000 | $ 276,000 | $ 102,000 |
| Lehigh County Pennsylvania | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Montgomery County Pennsylvania | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Philadelphia County Pennsylvania | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Anderson County Tennessee | 1 | $ 249,000 | $ 249,000 | $ 265,000 |
| Cheatham County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Giles County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 58,000 |
| Knox County Tennessee | 1 | $ 270,000 | $ 270,000 | $ 105,000 |
| Rutherford County Tennessee | 1 | $ 143,000 | $ 143,000 | $ 94,000 |
| Bexar County Texas | 1 | $ 572,000 | $ 572,000 | $ 0 |
| Collin County Texas | 1 | $ 706,000 | $ 706,000 | $ 0 |
| Travis County Texas | 1 | $ 200,000 | $ 200,000 | $ 64,000 |
| Washington County Utah | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Prince William County Virginia | 1 | $ 523,000 | $ 523,000 | $ 130,000 |
| York County Virginia | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Waukesha County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 0 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust Company in 2015
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 | 1,778 | $402,421,000 | $226,000 | $9,266,000 | $94,000 | $3,393,000 |
| Refinancing | 1,348 | $280,668,000 | $208,000 | $5,600,000 | $94,000 | $4,367,000 |
| Home Improvement | 351 | $25,725,000 | $73,000 | $1,350,000 | $99,000 | $620,000 |
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 | 2,656 | $441,115,000 | $166,000 | $2,284,000 | $107,000 | $4,367,000 |
| Not applicable | 428 | $211,050,000 | $493,000 | $9,266,000 | $0 | $0 |
| Black or African American | 157 | $15,611,000 | $99,000 | $563,000 | $77,000 | $1,032,000 |
| Not Provided | 80 | $9,779,000 | $122,000 | $481,000 | $127,000 | $620,000 |
| Hispanic | 75 | $12,121,000 | $161,000 | $625,000 | $104,000 | $599,000 |
| Asian | 72 | $15,789,000 | $219,000 | $955,000 | $138,000 | $665,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $3,010,000 | $430,000 | $960,000 | $380,000 | $720,000 |
| American Indian or Alaskan Native | 2 | $339,000 | $169,000 | $265,000 | $71,000 | $89,000 |
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) | 3,320 | $689,676,000 | $207,000 | $9,266,000 | $96,000 | $4,367,000 |
| FHA-insured (Federal Housing Administration) | 129 | $15,577,000 | $120,000 | $276,000 | $53,000 | $395,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,900,000 | $135,000 | $205,000 | $45,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,661,000 | $118,000 | $327,000 | $61,000 | $192,000 |
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 | 2,122 | $399,018,000 | $188,000 | $9,266,000 | $104,000 | $4,367,000 |
| Application Denied By Financial Institution | 576 | $81,958,000 | $142,000 | $2,284,000 | $83,000 | $976,000 |
| Application Withdrawn By Applicant | 449 | $85,970,000 | $191,000 | $5,600,000 | $94,000 | $741,000 |
| Loan Purchased By The Institution | 182 | $111,078,000 | $610,000 | $2,000,000 | $0 | $0 |
| File Closed For Incompleteness | 126 | $23,378,000 | $185,000 | $1,050,000 | $119,000 | $1,044,000 |
| Application Approved But Not Accepted | 22 | $7,412,000 | $336,000 | $3,000,000 | $76,000 | $316,000 |
| 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 | 251 | $26,674,000 | $106,000 | $567,000 | $81,000 | $620,000 |
| Debt-To-Income Ratio | 135 | $22,480,000 | $166,000 | $2,284,000 | $62,000 | $544,000 |
| Collateral | 116 | $19,152,000 | $165,000 | $869,000 | $121,000 | $976,000 |
| Other | 45 | $9,238,000 | $205,000 | $1,470,000 | $67,000 | $482,000 |
| Employment History | 18 | $2,714,000 | $150,000 | $645,000 | $67,000 | $151,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,010,000 | $168,000 | $438,000 | $47,000 | $115,000 |
| Unverifiable Information | 5 | $690,000 | $138,000 | $263,000 | $114,000 | $304,000 |
| Credit Application Incomplete | 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 Company's 2015 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 Company'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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