Republic Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Republic Bank & Trust of Louisville, KY reported 2,957 mortgage applications totaling $571.8 million, down 17% from 2016. The average application was for $193,357, and applicants reported an average income of $92,953. 72% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,863), Lexington-Fayette, KY (351) and Nashville-Davidson--Murfreesboro--Franklin, TN (184) (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 | 2,957 |
| Total Mortgage Loan Application Amount | $571,759,000 |
| Average Mortgage Loan Application Amount | $193,357 |
| Highest Mortgage Loan Application Amount | $7,810,000 |
| Average Applicant Income | $92,953 |
| Highest Applicant Income | $3,677,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,378 | $ 236,746,000 | $ 171,804 | $ 87,000 |
| Fayette, Kentucky | 296 | $ 62,824,000 | $ 212,243 | $ 74,000 |
| Davidson, Tennessee | 126 | $ 25,201,000 | $ 200,007 | $ 81,000 |
| Clark, Indiana | 125 | $ 16,582,000 | $ 132,656 | $ 74,000 |
| Daviess, Kentucky | 120 | $ 18,306,000 | $ 152,550 | $ 79,000 |
| Floyd, Indiana | 89 | $ 15,131,000 | $ 170,011 | $ 80,000 |
| Bullitt, Kentucky | 79 | $ 11,634,000 | $ 147,265 | $ 83,000 |
| Shelby, Kentucky | 76 | $ 13,870,000 | $ 182,500 | $ 102,000 |
| Oldham, Kentucky | 75 | $ 21,331,000 | $ 284,413 | $ 151,000 |
| Pinellas, Florida | 55 | $ 15,977,000 | $ 290,490 | $ 137,000 |
| Hardin, Kentucky | 41 | $ 7,354,000 | $ 179,365 | $ 85,000 |
| Franklin, Kentucky | 40 | $ 7,757,000 | $ 193,925 | $ 55,000 |
| Kenton, Kentucky | 36 | $ 6,625,000 | $ 184,027 | $ 85,000 |
| Hamilton, Ohio | 30 | $ 14,303,000 | $ 476,766 | $ 107,000 |
| Hillsborough, Florida | 29 | $ 8,223,000 | $ 283,551 | $ 133,000 |
| Scott, Kentucky | 27 | $ 4,138,000 | $ 153,259 | $ 102,000 |
| Spencer, Kentucky | 25 | $ 3,626,000 | $ 145,040 | $ 72,000 |
| Williamson, Tennessee | 23 | $ 9,316,000 | $ 405,043 | $ 198,000 |
| Boone, Kentucky | 20 | $ 3,443,000 | $ 172,150 | $ 159,000 |
| Pasco, Florida | 19 | $ 3,697,000 | $ 194,578 | $ 182,000 |
| Harrison, Indiana | 11 | $ 1,493,000 | $ 135,727 | $ 155,000 |
| Jessamine, Kentucky | 10 | $ 2,691,000 | $ 269,100 | $ 116,000 |
| Nelson, Kentucky | 10 | $ 1,287,000 | $ 128,700 | $ 99,000 |
| Clark, Kentucky | 9 | $ 1,693,000 | $ 188,111 | $ 89,000 |
| Maury, Tennessee | 9 | $ 926,000 | $ 102,888 | $ 42,000 |
| Wilson, Tennessee | 9 | $ 2,158,000 | $ 239,777 | $ 152,000 |
| Campbell, Kentucky | 8 | $ 1,625,000 | $ 203,125 | $ 98,000 |
| Madison, Kentucky | 8 | $ 1,684,000 | $ 210,500 | $ 46,000 |
| Grayson, Kentucky | 6 | $ 1,039,000 | $ 173,166 | $ 83,000 |
| Woodford, Kentucky | 6 | $ 1,024,000 | $ 170,666 | $ 81,000 |
| Broward, Florida | 5 | $ 723,000 | $ 144,600 | $ 200,000 |
| Anderson, Kentucky | 5 | $ 666,000 | $ 133,200 | $ 55,000 |
| Hancock, Kentucky | 5 | $ 823,000 | $ 164,600 | $ 45,000 |
| Robertson, Tennessee | 5 | $ 326,000 | $ 65,200 | $ 10,000 |
| Rutherford, Tennessee | 5 | $ 873,000 | $ 174,600 | $ 90,000 |
| Santa Clara, California | 4 | $ 4,671,000 | $ 1,167,750 | $ 0 |
| Lee, Florida | 4 | $ 1,013,000 | $ 253,250 | $ 272,000 |
| Grant, Kentucky | 4 | $ 2,268,000 | $ 567,000 | $ 22,000 |
| Meade, Kentucky | 4 | $ 354,000 | $ 88,500 | $ 59,000 |
| Pulaski, Kentucky | 4 | $ 526,000 | $ 131,500 | $ 118,000 |
| Warren, Kentucky | 4 | $ 318,000 | $ 79,500 | $ 70,000 |
| Sumner, Tennessee | 4 | $ 1,321,000 | $ 330,250 | $ 144,000 |
| Manatee, Florida | 3 | $ 2,676,000 | $ 892,000 | $ 289,000 |
| Orange, Florida | 3 | $ 916,000 | $ 305,333 | $ 94,000 |
| Sarasota, Florida | 3 | $ 473,000 | $ 157,666 | $ 95,000 |
| Cook, Illinois | 3 | $ 484,000 | $ 161,333 | $ 264,000 |
| Bourbon, Kentucky | 3 | $ 840,000 | $ 280,000 | $ 116,000 |
| Harrison, Kentucky | 3 | $ 309,000 | $ 103,000 | $ 40,000 |
| Larue, Kentucky | 3 | $ 150,000 | $ 50,000 | $ 71,000 |
| Franklin, Ohio | 3 | $ 607,000 | $ 202,333 | $ 288,000 |
| Hamilton, Tennessee | 3 | $ 768,000 | $ 256,000 | $ 162,000 |
| Montgomery, Tennessee | 3 | $ 384,000 | $ 128,000 | $ 83,000 |
| Los Angeles, California | 2 | $ 708,000 | $ 354,000 | $ 108,000 |
| Charlotte, Florida | 2 | $ 505,000 | $ 252,500 | $ 38,000 |
| Fulton, Georgia | 2 | $ 416,000 | $ 208,000 | $ 114,000 |
| Warrick, Indiana | 2 | $ 1,244,000 | $ 622,000 | $ 349,000 |
| Boyle, Kentucky | 2 | $ 476,000 | $ 238,000 | $ 132,000 |
| Garrard, Kentucky | 2 | $ 340,000 | $ 170,000 | $ 58,000 |
| Henry, Kentucky | 2 | $ 59,000 | $ 29,500 | $ 101,000 |
| Marion, Kentucky | 2 | $ 206,000 | $ 103,000 | $ 59,000 |
| McLean, Kentucky | 2 | $ 176,000 | $ 88,000 | $ 62,000 |
| Ohio, Kentucky | 2 | $ 195,000 | $ 97,500 | $ 85,000 |
| Trimble, Kentucky | 2 | $ 135,000 | $ 67,500 | $ 35,000 |
| Wayne, Kentucky | 2 | $ 299,000 | $ 149,500 | $ 253,000 |
| Clermont, Ohio | 2 | $ 7,112,000 | $ 3,556,000 | $ 28,000 |
| Montgomery, Ohio | 2 | $ 625,000 | $ 312,500 | $ 191,000 |
| Maricopa, Arizona | 1 | $ 556,000 | $ 556,000 | $ 0 |
| Mono, California | 1 | $ 290,000 | $ 290,000 | $ 453,000 |
| San Bernardino, California | 1 | $ 597,000 | $ 597,000 | $ 152,000 |
| San Mateo, California | 1 | $ 830,000 | $ 830,000 | $ 0 |
| Denver, Colorado | 1 | $ 304,000 | $ 304,000 | $ 619,000 |
| Bay, Florida | 1 | $ 128,000 | $ 128,000 | $ 135,000 |
| Brevard, Florida | 1 | $ 250,000 | $ 250,000 | $ 1,167,000 |
| Collier, Florida | 1 | $ 1,100,000 | $ 1,100,000 | $ 485,000 |
| Lake, Florida | 1 | $ 50,000 | $ 50,000 | $ 55,000 |
| Leon, Florida | 1 | $ 228,000 | $ 228,000 | $ 124,000 |
| Marion, Florida | 1 | $ 157,000 | $ 157,000 | $ 79,000 |
| Monroe, Florida | 1 | $ 214,000 | $ 214,000 | $ 277,000 |
| Palm Beach, Florida | 1 | $ 70,000 | $ 70,000 | $ 80,000 |
| Seminole, Florida | 1 | $ 180,000 | $ 180,000 | $ 572,000 |
| Volusia, Florida | 1 | $ 87,000 | $ 87,000 | $ 103,000 |
| Walton, Florida | 1 | $ 160,000 | $ 160,000 | $ 88,000 |
| Cherokee, Georgia | 1 | $ 259,000 | $ 259,000 | $ 125,000 |
| Gwinnett, Georgia | 1 | $ 464,000 | $ 464,000 | $ 192,000 |
| DuPage, Illinois | 1 | $ 143,000 | $ 143,000 | $ 92,000 |
| Kendall, Illinois | 1 | $ 180,000 | $ 180,000 | $ 214,000 |
| Dearborn, Indiana | 1 | $ 476,000 | $ 476,000 | $ 204,000 |
| Scott, Indiana | 1 | $ 41,000 | $ 41,000 | $ 36,000 |
| Vanderburgh, Indiana | 1 | $ 2,840,000 | $ 2,840,000 | $ 0 |
| Breckinridge, Kentucky | 1 | $ 23,000 | $ 23,000 | $ 24,000 |
| Estill, Kentucky | 1 | $ 222,000 | $ 222,000 | $ 103,000 |
| Knox, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Lincoln, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Logan, Kentucky | 1 | $ 73,000 | $ 73,000 | $ 112,000 |
| Menifee, Kentucky | 1 | $ 83,000 | $ 83,000 | $ 144,000 |
| Montgomery, Kentucky | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Owen, Kentucky | 1 | $ 132,000 | $ 132,000 | $ 118,000 |
| Rockcastle, Kentucky | 1 | $ 134,000 | $ 134,000 | $ 52,000 |
| Simpson, Kentucky | 1 | $ 147,000 | $ 147,000 | $ 83,000 |
| Oakland, Michigan | 1 | $ 190,000 | $ 190,000 | $ 30,000 |
| Anoka, Minnesota | 1 | $ 183,000 | $ 183,000 | $ 102,000 |
| Ramsey, Minnesota | 1 | $ 177,000 | $ 177,000 | $ 96,000 |
| Henderson, North Carolina | 1 | $ 98,000 | $ 98,000 | $ 38,000 |
| Union, North Carolina | 1 | $ 300,000 | $ 300,000 | $ 132,000 |
| Vance, North Carolina | 1 | $ 190,000 | $ 190,000 | $ 101,000 |
| Wake, North Carolina | 1 | $ 293,000 | $ 293,000 | $ 155,000 |
| Butler, Ohio | 1 | $ 126,000 | $ 126,000 | $ 622,000 |
| Lorain, Ohio | 1 | $ 372,000 | $ 372,000 | $ 359,000 |
| Pickaway, Ohio | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Warren, Ohio | 1 | $ 335,000 | $ 335,000 | $ 300,000 |
| Cheatham, Tennessee | 1 | $ 117,000 | $ 117,000 | $ 126,000 |
| Dickson, Tennessee | 1 | $ 756,000 | $ 756,000 | $ 0 |
| Knox, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 974,000 |
| Shelby, Tennessee | 1 | $ 148,000 | $ 148,000 | $ 90,000 |
| Trousdale, Tennessee | 1 | $ 67,000 | $ 67,000 | $ 101,000 |
| Arlington, Virginia | 1 | $ 480,000 | $ 480,000 | $ 252,000 |
| Teton, Wyoming | 1 | $ 1,200,000 | $ 1,200,000 | $ 1,141,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2017
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 | 1,739 | $366,616,000 | $210,000 | $7,810,000 | $93,000 | $1,683,000 |
| Refinancing | 925 | $170,865,000 | $184,000 | $7,000,000 | $90,000 | $3,677,000 |
| Home Improvement | 293 | $34,278,000 | $116,000 | $1,300,000 | $102,000 | $1,123,000 |
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 | 1,988 | $373,097,000 | $187,000 | $2,840,000 | $116,000 | $3,677,000 |
| Not applicable | 488 | $133,896,000 | $274,000 | $7,810,000 | $0 | $0 |
| Black or African American | 205 | $23,701,000 | $115,000 | $1,000,000 | $65,000 | $1,123,000 |
| Not Provided | 167 | $20,180,000 | $120,000 | $754,000 | $90,000 | $719,000 |
| Hispanic | 53 | $6,574,000 | $124,000 | $420,000 | $112,000 | $1,162,000 |
| Asian | 46 | $11,756,000 | $255,000 | $1,020,000 | $159,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,439,000 | $239,000 | $383,000 | $118,000 | $256,000 |
| American Indian or Alaskan Native | 4 | $1,116,000 | $279,000 | $675,000 | $194,000 | $465,000 |
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) | 2,812 | $551,131,000 | $195,000 | $7,810,000 | $95,000 | $3,677,000 |
| FHA-insured (Federal Housing Administration) | 117 | $16,394,000 | $140,000 | $297,000 | $54,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,203,000 | $168,000 | $281,000 | $64,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,031,000 | $114,000 | $154,000 | $37,000 | $42,000 |
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 | 2,118 | $403,299,000 | $190,000 | $7,810,000 | $94,000 | $3,677,000 |
| Application Withdrawn By Applicant | 499 | $107,148,000 | $214,000 | $7,000,000 | $97,000 | $1,167,000 |
| Application Denied By Financial Institution | 228 | $38,635,000 | $169,000 | $1,270,000 | $72,000 | $1,500,000 |
| File Closed For Incompleteness | 67 | $11,944,000 | $178,000 | $1,020,000 | $112,000 | $600,000 |
| Application Approved But Not Accepted | 24 | $3,325,000 | $138,000 | $334,000 | $96,000 | $411,000 |
| Loan Purchased By The Institution | 21 | $7,408,000 | $352,000 | $1,409,000 | $24,000 | $49,000 |
| 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 | 78 | $15,353,000 | $196,000 | $970,000 | $61,000 | $267,000 |
| Credit History | 77 | $9,904,000 | $128,000 | $1,270,000 | $78,000 | $460,000 |
| Collateral | 39 | $5,169,000 | $132,000 | $639,000 | $85,000 | $1,500,000 |
| Other | 16 | $3,430,000 | $214,000 | $1,200,000 | $84,000 | $1,141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $4,274,000 | $284,000 | $990,000 | $42,000 | $495,000 |
| Employment History | 2 | $364,000 | $182,000 | $303,000 | $106,000 | $160,000 |
| Unverifiable Information | 1 | $141,000 | $141,000 | $141,000 | $71,000 | $71,000 |
| Mortgage Insurance Denied | 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 2017 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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