Republic Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Republic Bank & Trust of Louisville, KY reported 3,477 mortgage applications totaling $708.8 million, up 12% from 2014. The average application was for $203,857, and applicants reported an average income of $94,504. 61% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (2,209), Lexington-Fayette, KY (373) and Owensboro, KY (146) (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 | 3,477 |
| Total Mortgage Loan Application Amount | $708,814,000 |
| Average Mortgage Loan Application Amount | $203,857 |
| Highest Mortgage Loan Application Amount | $9,266,000 |
| Average Applicant Income | $94,504 |
| Highest Applicant Income | $4,367,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,615 | $ 284,486,000 | $ 176,152 | $ 100,000 |
| Fayette, Kentucky | 297 | $ 50,963,000 | $ 171,592 | $ 91,000 |
| Clark, Indiana | 143 | $ 16,921,000 | $ 118,328 | $ 68,000 |
| Daviess, Kentucky | 143 | $ 18,890,000 | $ 132,097 | $ 75,000 |
| Oldham, Kentucky | 134 | $ 30,050,000 | $ 224,253 | $ 152,000 |
| Bullitt, Kentucky | 99 | $ 15,418,000 | $ 155,737 | $ 84,000 |
| Floyd, Indiana | 93 | $ 13,170,000 | $ 141,612 | $ 86,000 |
| Shelby, Kentucky | 82 | $ 10,514,000 | $ 128,219 | $ 89,000 |
| Hardin, Kentucky | 74 | $ 9,339,000 | $ 126,202 | $ 73,000 |
| Franklin, Kentucky | 47 | $ 5,630,000 | $ 119,787 | $ 58,000 |
| Santa Clara, California | 46 | $ 31,658,000 | $ 688,217 | $ 0 |
| Hamilton, Ohio | 41 | $ 16,193,000 | $ 394,951 | $ 107,000 |
| Davidson, Tennessee | 38 | $ 7,915,000 | $ 208,289 | $ 159,000 |
| Scott, Kentucky | 32 | $ 4,506,000 | $ 140,812 | $ 86,000 |
| Kenton, Kentucky | 28 | $ 10,221,000 | $ 365,035 | $ 112,000 |
| Pasco, Florida | 25 | $ 3,502,000 | $ 140,080 | $ 77,000 |
| Jessamine, Kentucky | 23 | $ 4,690,000 | $ 203,913 | $ 144,000 |
| Boone, Kentucky | 19 | $ 4,557,000 | $ 239,842 | $ 126,000 |
| Pinellas, Florida | 18 | $ 4,701,000 | $ 261,166 | $ 73,000 |
| Campbell, Kentucky | 18 | $ 3,358,000 | $ 186,555 | $ 98,000 |
| Harrison, Indiana | 17 | $ 2,308,000 | $ 135,764 | $ 72,000 |
| Alameda, California | 15 | $ 9,129,000 | $ 608,600 | $ 0 |
| Orange, California | 15 | $ 11,681,000 | $ 778,733 | $ 0 |
| Williamson, Tennessee | 15 | $ 5,695,000 | $ 379,666 | $ 274,000 |
| Anderson, Kentucky | 14 | $ 1,700,000 | $ 121,428 | $ 59,000 |
| Nelson, Kentucky | 14 | $ 1,380,000 | $ 98,571 | $ 56,000 |
| Spencer, Kentucky | 12 | $ 1,779,000 | $ 148,250 | $ 99,000 |
| Woodford, Kentucky | 12 | $ 1,689,000 | $ 140,750 | $ 69,000 |
| Hillsborough, Florida | 10 | $ 2,318,000 | $ 231,800 | $ 81,000 |
| Larue, Kentucky | 10 | $ 1,117,000 | $ 111,700 | $ 66,000 |
| Madison, Kentucky | 10 | $ 2,516,000 | $ 251,600 | $ 82,000 |
| Meade, Kentucky | 10 | $ 1,247,000 | $ 124,700 | $ 63,000 |
| Los Angeles, California | 9 | $ 6,428,000 | $ 714,222 | $ 0 |
| San Mateo, California | 9 | $ 7,522,000 | $ 835,777 | $ 0 |
| Grayson, Kentucky | 9 | $ 1,790,000 | $ 198,888 | $ 193,000 |
| Contra Costa, California | 8 | $ 5,294,000 | $ 661,750 | $ 0 |
| Henrico, Virginia | 7 | $ 2,562,000 | $ 366,000 | $ 129,000 |
| Clark, Kentucky | 6 | $ 1,028,000 | $ 171,333 | $ 214,000 |
| Henry, Kentucky | 6 | $ 578,000 | $ 96,333 | $ 76,000 |
| Montgomery, Maryland | 6 | $ 3,072,000 | $ 512,000 | $ 0 |
| Butler, Ohio | 6 | $ 1,159,000 | $ 193,166 | $ 88,000 |
| Fairfax, Virginia | 6 | $ 2,938,000 | $ 489,666 | $ 89,000 |
| San Diego, California | 5 | $ 2,801,000 | $ 560,200 | $ 0 |
| Broward, Florida | 5 | $ 1,282,000 | $ 256,400 | $ 77,000 |
| Orange, Florida | 5 | $ 1,203,000 | $ 240,600 | $ 73,000 |
| Ohio, Kentucky | 5 | $ 687,000 | $ 137,400 | $ 96,000 |
| Franklin, Ohio | 5 | $ 832,000 | $ 166,400 | $ 168,000 |
| Shelby, Tennessee | 5 | $ 1,202,000 | $ 240,400 | $ 119,000 |
| Arlington, Virginia | 5 | $ 2,664,000 | $ 532,800 | $ 177,000 |
| Loudoun, Virginia | 5 | $ 2,830,000 | $ 566,000 | $ 166,000 |
| Lee, Florida | 4 | $ 679,000 | $ 169,750 | $ 48,000 |
| Manatee, Florida | 4 | $ 1,258,000 | $ 314,500 | $ 149,000 |
| Washington, Indiana | 4 | $ 688,000 | $ 172,000 | $ 45,000 |
| Breckinridge, Kentucky | 4 | $ 248,000 | $ 62,000 | $ 36,000 |
| Henderson, Kentucky | 4 | $ 423,000 | $ 105,750 | $ 52,000 |
| Cuyahoga, Ohio | 4 | $ 641,000 | $ 160,250 | $ 78,000 |
| Sumner, Tennessee | 4 | $ 853,000 | $ 213,250 | $ 116,000 |
| Wilson, Tennessee | 4 | $ 759,000 | $ 189,750 | $ 97,000 |
| King George, Virginia | 4 | $ 794,000 | $ 198,500 | $ 116,000 |
| Collier, Florida | 3 | $ 1,119,000 | $ 373,000 | $ 193,000 |
| Hernando, Florida | 3 | $ 313,000 | $ 104,333 | $ 44,000 |
| Osceola, Florida | 3 | $ 645,000 | $ 215,000 | $ 95,000 |
| Monroe, Indiana | 3 | $ 551,000 | $ 183,666 | $ 119,000 |
| Bourbon, Kentucky | 3 | $ 292,000 | $ 97,333 | $ 40,000 |
| Harrison, Kentucky | 3 | $ 170,000 | $ 56,666 | $ 52,000 |
| Warren, Kentucky | 3 | $ 362,000 | $ 120,666 | $ 53,000 |
| Hennepin, Minnesota | 3 | $ 857,000 | $ 285,666 | $ 139,000 |
| Monmouth, New Jersey | 3 | $ 2,037,000 | $ 679,000 | $ 0 |
| Clermont, Ohio | 3 | $ 2,021,000 | $ 673,666 | $ 112,000 |
| Montgomery, Ohio | 3 | $ 9,164,000 | $ 3,054,666 | $ 0 |
| Summit, Ohio | 3 | $ 829,000 | $ 276,333 | $ 107,000 |
| Warren, Ohio | 3 | $ 2,224,000 | $ 741,333 | $ 71,000 |
| King, Washington | 3 | $ 2,355,000 | $ 785,000 | $ 0 |
| Maricopa, Arizona | 2 | $ 1,209,000 | $ 604,500 | $ 0 |
| Riverside, California | 2 | $ 878,000 | $ 439,000 | $ 0 |
| San Bernardino, California | 2 | $ 1,112,000 | $ 556,000 | $ 0 |
| District of Columbia, District Of Columbia | 2 | $ 1,102,000 | $ 551,000 | $ 0 |
| Alachua, Florida | 2 | $ 223,000 | $ 111,500 | $ 69,000 |
| Marion, Florida | 2 | $ 392,000 | $ 196,000 | $ 112,000 |
| Miami-Dade, Florida | 2 | $ 502,000 | $ 251,000 | $ 111,000 |
| Okaloosa, Florida | 2 | $ 394,000 | $ 197,000 | $ 88,000 |
| Palm Beach, Florida | 2 | $ 320,000 | $ 160,000 | $ 72,000 |
| Sumter, Florida | 2 | $ 391,000 | $ 195,500 | $ 202,000 |
| Cook, Illinois | 2 | $ 1,884,000 | $ 942,000 | $ 0 |
| DuPage, Illinois | 2 | $ 916,000 | $ 458,000 | $ 0 |
| Scott, Indiana | 2 | $ 220,000 | $ 110,000 | $ 15,000 |
| Vanderburgh, Indiana | 2 | $ 4,684,000 | $ 2,342,000 | $ 0 |
| Barren, Kentucky | 2 | $ 506,000 | $ 253,000 | $ 121,000 |
| Edmonson, Kentucky | 2 | $ 459,000 | $ 229,500 | $ 490,000 |
| Garrard, Kentucky | 2 | $ 101,000 | $ 50,500 | $ 26,000 |
| Hart, Kentucky | 2 | $ 192,000 | $ 96,000 | $ 52,000 |
| McLean, Kentucky | 2 | $ 80,000 | $ 40,000 | $ 65,000 |
| Pulaski, Kentucky | 2 | $ 177,000 | $ 88,500 | $ 251,000 |
| Trimble, Kentucky | 2 | $ 238,000 | $ 119,000 | $ 49,000 |
| St. Louis, Minnesota | 2 | $ 237,000 | $ 118,500 | $ 81,000 |
| Bergen, New Jersey | 2 | $ 908,000 | $ 454,000 | $ 0 |
| Medina, Ohio | 2 | $ 461,000 | $ 230,500 | $ 79,000 |
| Maury, Tennessee | 2 | $ 244,000 | $ 122,000 | $ 43,000 |
| Alexandria, Virginia | 2 | $ 640,000 | $ 320,000 | $ 140,000 |
| Lee, Alabama | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Calaveras, California | 1 | $ 311,000 | $ 311,000 | $ 0 |
| Fresno, California | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Monterey, California | 1 | $ 1,386,000 | $ 1,386,000 | $ 0 |
| Napa, California | 1 | $ 1,308,000 | $ 1,308,000 | $ 0 |
| Placer, California | 1 | $ 454,000 | $ 454,000 | $ 0 |
| Sacramento, California | 1 | $ 180,000 | $ 180,000 | $ 0 |
| San Francisco, California | 1 | $ 730,000 | $ 730,000 | $ 0 |
| Santa Barbara, California | 1 | $ 1,385,000 | $ 1,385,000 | $ 0 |
| Santa Cruz, California | 1 | $ 476,000 | $ 476,000 | $ 0 |
| Solano, California | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Bay, Florida | 1 | $ 76,000 | $ 76,000 | $ 91,000 |
| Charlotte, Florida | 1 | $ 360,000 | $ 360,000 | $ 260,000 |
| Escambia, Florida | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Polk, Florida | 1 | $ 224,000 | $ 224,000 | $ 75,000 |
| Santa Rosa, Florida | 1 | $ 204,000 | $ 204,000 | $ 112,000 |
| Sarasota, Florida | 1 | $ 213,000 | $ 213,000 | $ 76,000 |
| St. Johns, Florida | 1 | $ 410,000 | $ 410,000 | $ 290,000 |
| DeKalb, Georgia | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Effingham, Georgia | 1 | $ 264,000 | $ 264,000 | $ 128,000 |
| Lake, Illinois | 1 | $ 620,000 | $ 620,000 | $ 0 |
| Bartholomew, Indiana | 1 | $ 469,000 | $ 469,000 | $ 976,000 |
| Boone, Indiana | 1 | $ 565,000 | $ 565,000 | $ 328,000 |
| Carroll, Indiana | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Crawford, Indiana | 1 | $ 149,000 | $ 149,000 | $ 63,000 |
| Dearborn, Indiana | 1 | $ 150,000 | $ 150,000 | $ 300,000 |
| Marion, Indiana | 1 | $ 5,000,000 | $ 5,000,000 | $ 0 |
| Orange, Indiana | 1 | $ 60,000 | $ 60,000 | $ 59,000 |
| Allen, Kentucky | 1 | $ 17,000 | $ 17,000 | $ 66,000 |
| Grant, Kentucky | 1 | $ 69,000 | $ 69,000 | $ 28,000 |
| Hancock, Kentucky | 1 | $ 68,000 | $ 68,000 | $ 43,000 |
| Mason, Kentucky | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Mercer, Kentucky | 1 | $ 162,000 | $ 162,000 | $ 156,000 |
| Muhlenberg, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Owen, Kentucky | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Rowan, Kentucky | 1 | $ 80,000 | $ 80,000 | $ 69,000 |
| Russell, Kentucky | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Taylor, Kentucky | 1 | $ 204,000 | $ 204,000 | $ 145,000 |
| Baltimore City, Maryland | 1 | $ 501,000 | $ 501,000 | $ 0 |
| Middlesex, Massachusetts | 1 | $ 458,000 | $ 458,000 | $ 0 |
| Emmet, Michigan | 1 | $ 405,000 | $ 405,000 | $ 3,393,000 |
| Isanti, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Scott, Minnesota | 1 | $ 288,000 | $ 288,000 | $ 150,000 |
| Ocean, New Jersey | 1 | $ 396,000 | $ 396,000 | $ 0 |
| Hoke, North Carolina | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Mecklenburg, North Carolina | 1 | $ 541,000 | $ 541,000 | $ 0 |
| Licking, Ohio | 1 | $ 136,000 | $ 136,000 | $ 64,000 |
| Lorain, Ohio | 1 | $ 264,000 | $ 264,000 | $ 129,000 |
| Marion, Ohio | 1 | $ 298,000 | $ 298,000 | $ 113,000 |
| Miami, Ohio | 1 | $ 108,000 | $ 108,000 | $ 98,000 |
| Portage, Ohio | 1 | $ 276,000 | $ 276,000 | $ 102,000 |
| Lehigh, Pennsylvania | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Montgomery, Pennsylvania | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Philadelphia, Pennsylvania | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Anderson, Tennessee | 1 | $ 249,000 | $ 249,000 | $ 265,000 |
| Cheatham, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Giles, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 58,000 |
| Knox, Tennessee | 1 | $ 270,000 | $ 270,000 | $ 105,000 |
| Rutherford, Tennessee | 1 | $ 143,000 | $ 143,000 | $ 94,000 |
| Bexar, Texas | 1 | $ 572,000 | $ 572,000 | $ 0 |
| Collin, Texas | 1 | $ 706,000 | $ 706,000 | $ 0 |
| Travis, Texas | 1 | $ 200,000 | $ 200,000 | $ 64,000 |
| Washington, Utah | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Prince William, Virginia | 1 | $ 523,000 | $ 523,000 | $ 130,000 |
| York, Virginia | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Waukesha, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 0 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust 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'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'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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