Republic Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Republic Bank & Trust of Louisville, KY reported 4,988 mortgage applications totaling $845.2 million, up 69% from 2017. The average application was for $169,454, and applicants reported an average income of $117,371. 70% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (3,160), Lexington-Fayette, KY (516) and Tampa-St. Petersburg-Clearwater, FL (262) (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 | 4,988 |
| Total Mortgage Loan Application Amount | $845,240,000 |
| Average Mortgage Loan Application Amount | $169,454 |
| Highest Mortgage Loan Application Amount | $7,005,000 |
| Average Applicant Income | $117,371 |
| Highest Applicant Income | $8,635,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,298 | $ 351,630,000 | $ 153,015 | $ 118,000 |
| Fayette, Kentucky | 396 | $ 78,590,000 | $ 198,459 | $ 111,000 |
| Bullitt, Kentucky | 183 | $ 22,355,000 | $ 122,158 | $ 75,000 |
| Oldham, Kentucky | 178 | $ 37,290,000 | $ 209,494 | $ 181,000 |
| Clark, Indiana | 174 | $ 19,320,000 | $ 111,034 | $ 76,000 |
| Daviess, Kentucky | 160 | $ 15,960,000 | $ 99,750 | $ 90,000 |
| Pinellas, Florida | 156 | $ 29,350,000 | $ 188,141 | $ 150,000 |
| Floyd, Indiana | 128 | $ 18,020,000 | $ 140,781 | $ 93,000 |
| Davidson, Tennessee | 121 | $ 26,035,000 | $ 215,165 | $ 144,000 |
| Shelby, Kentucky | 112 | $ 14,920,000 | $ 133,214 | $ 108,000 |
| Hamilton, Ohio | 79 | $ 23,015,000 | $ 291,329 | $ 82,000 |
| Williamson, Tennessee | 73 | $ 14,485,000 | $ 198,424 | $ 150,000 |
| Hillsborough, Florida | 63 | $ 14,165,000 | $ 224,841 | $ 167,000 |
| Boone, Kentucky | 62 | $ 10,370,000 | $ 167,258 | $ 149,000 |
| Hardin, Kentucky | 60 | $ 6,920,000 | $ 115,333 | $ 116,000 |
| Scott, Kentucky | 59 | $ 9,215,000 | $ 156,186 | $ 100,000 |
| Kenton, Kentucky | 58 | $ 7,690,000 | $ 132,586 | $ 126,000 |
| Franklin, Kentucky | 46 | $ 6,860,000 | $ 149,130 | $ 109,000 |
| Pasco, Florida | 41 | $ 5,425,000 | $ 132,317 | $ 102,000 |
| Spencer, Kentucky | 37 | $ 5,165,000 | $ 139,594 | $ 92,000 |
| Rutherford, Tennessee | 36 | $ 10,050,000 | $ 279,166 | $ 96,000 |
| Jessamine, Kentucky | 31 | $ 5,895,000 | $ 190,161 | $ 128,000 |
| Harrison, Indiana | 26 | $ 2,940,000 | $ 113,076 | $ 80,000 |
| Campbell, Kentucky | 20 | $ 4,020,000 | $ 201,000 | $ 147,000 |
| Nelson, Kentucky | 20 | $ 2,530,000 | $ 126,500 | $ 63,000 |
| Madison, Kentucky | 16 | $ 13,210,000 | $ 825,625 | $ 122,000 |
| Woodford, Kentucky | 15 | $ 2,285,000 | $ 152,333 | $ 80,000 |
| Clark, Kentucky | 13 | $ 1,885,000 | $ 145,000 | $ 77,000 |
| Henry, Kentucky | 13 | $ 2,215,000 | $ 170,384 | $ 168,000 |
| Shelby, Tennessee | 13 | $ 2,535,000 | $ 195,000 | $ 70,000 |
| Anderson, Kentucky | 10 | $ 1,090,000 | $ 109,000 | $ 57,000 |
| Manatee, Florida | 9 | $ 2,125,000 | $ 236,111 | $ 210,000 |
| Warren, Ohio | 9 | $ 1,065,000 | $ 118,333 | $ 180,000 |
| Sarasota, Florida | 8 | $ 1,020,000 | $ 127,500 | $ 143,000 |
| Harrison, Kentucky | 8 | $ 840,000 | $ 105,000 | $ 66,000 |
| Meade, Kentucky | 8 | $ 940,000 | $ 117,500 | $ 88,000 |
| Ohio, Kentucky | 8 | $ 440,000 | $ 55,000 | $ 67,000 |
| Maury, Tennessee | 8 | $ 1,800,000 | $ 225,000 | $ 90,000 |
| Wilson, Tennessee | 8 | $ 3,260,000 | $ 407,500 | $ 243,000 |
| Washington, Indiana | 7 | $ 875,000 | $ 125,000 | $ 75,000 |
| Lee, Florida | 6 | $ 1,920,000 | $ 320,000 | $ 239,000 |
| Garrard, Kentucky | 5 | $ 655,000 | $ 131,000 | $ 61,000 |
| Grant, Kentucky | 5 | $ 4,775,000 | $ 955,000 | $ 129,000 |
| Montgomery, Kentucky | 5 | $ 795,000 | $ 159,000 | $ 69,000 |
| Clermont, Ohio | 5 | $ 365,000 | $ 73,000 | $ 51,000 |
| Franklin, Ohio | 5 | $ 1,665,000 | $ 333,000 | $ 266,000 |
| Bedford, Tennessee | 5 | $ 1,315,000 | $ 263,000 | $ 99,000 |
| Sumner, Tennessee | 5 | $ 965,000 | $ 193,000 | $ 112,000 |
| Cook, Illinois | 4 | $ 1,240,000 | $ 310,000 | $ 283,000 |
| Scott, Indiana | 4 | $ 570,000 | $ 142,500 | $ 46,000 |
| Hancock, Kentucky | 4 | $ 280,000 | $ 70,000 | $ 108,000 |
| Montgomery, Ohio | 4 | $ 2,500,000 | $ 625,000 | $ 61,000 |
| Orange, Florida | 3 | $ 585,000 | $ 195,000 | $ 75,000 |
| Osceola, Florida | 3 | $ 555,000 | $ 185,000 | $ 72,000 |
| Vanderburgh, Indiana | 3 | $ 5,385,000 | $ 1,795,000 | $ 0 |
| Boyle, Kentucky | 3 | $ 245,000 | $ 81,666 | $ 127,000 |
| Breckinridge, Kentucky | 3 | $ 605,000 | $ 201,666 | $ 266,000 |
| Edmonson, Kentucky | 3 | $ 405,000 | $ 135,000 | $ 106,000 |
| Grayson, Kentucky | 3 | $ 465,000 | $ 155,000 | $ 82,000 |
| Owen, Kentucky | 3 | $ 655,000 | $ 218,333 | $ 223,000 |
| Pulaski, Kentucky | 3 | $ 385,000 | $ 128,333 | $ 86,000 |
| Russell, Kentucky | 3 | $ 675,000 | $ 225,000 | $ 175,000 |
| Warren, Kentucky | 3 | $ 395,000 | $ 131,666 | $ 90,000 |
| Butler, Ohio | 3 | $ 405,000 | $ 135,000 | $ 95,000 |
| Charleston, South Carolina | 3 | $ 2,915,000 | $ 971,666 | $ 289,000 |
| Dickson, Tennessee | 3 | $ 1,985,000 | $ 661,666 | $ 0 |
| Montgomery, Tennessee | 3 | $ 635,000 | $ 211,666 | $ 90,000 |
| Robertson, Tennessee | 3 | $ 465,000 | $ 155,000 | $ 66,000 |
| Bay, Florida | 2 | $ 470,000 | $ 235,000 | $ 116,000 |
| Citrus, Florida | 2 | $ 210,000 | $ 105,000 | $ 38,000 |
| Duval, Florida | 2 | $ 480,000 | $ 240,000 | $ 72,000 |
| Hernando, Florida | 2 | $ 140,000 | $ 70,000 | $ 39,000 |
| Marion, Florida | 2 | $ 450,000 | $ 225,000 | $ 78,000 |
| Hamilton, Indiana | 2 | $ 410,000 | $ 205,000 | $ 85,000 |
| Allen, Kentucky | 2 | $ 60,000 | $ 30,000 | $ 59,000 |
| Bourbon, Kentucky | 2 | $ 210,000 | $ 105,000 | $ 464,000 |
| Carroll, Kentucky | 2 | $ 190,000 | $ 95,000 | $ 67,000 |
| Hart, Kentucky | 2 | $ 170,000 | $ 85,000 | $ 107,000 |
| Larue, Kentucky | 2 | $ 130,000 | $ 65,000 | $ 76,000 |
| Mercer, Kentucky | 2 | $ 380,000 | $ 190,000 | $ 75,000 |
| Oakland, Michigan | 2 | $ 660,000 | $ 330,000 | $ 123,000 |
| Greene, Ohio | 2 | $ 580,000 | $ 290,000 | $ 117,000 |
| Marshall, Tennessee | 2 | $ 430,000 | $ 215,000 | $ 86,000 |
| Tipton, Tennessee | 2 | $ 370,000 | $ 185,000 | $ 79,000 |
| Warren, Tennessee | 2 | $ 650,000 | $ 325,000 | $ 173,000 |
| Alexandria, Virginia | 2 | $ 430,000 | $ 215,000 | $ 121,000 |
| Fairfax, Virginia | 2 | $ 660,000 | $ 330,000 | $ 117,000 |
| Baldwin, Alabama | 1 | $ 145,000 | $ 145,000 | $ 107,000 |
| Limestone, Alabama | 1 | $ 625,000 | $ 625,000 | $ 250,000 |
| Mobile, Alabama | 1 | $ 475,000 | $ 475,000 | $ 575,000 |
| Fresno, California | 1 | $ 245,000 | $ 245,000 | $ 66,000 |
| San Francisco, California | 1 | $ 765,000 | $ 765,000 | $ 132,000 |
| Santa Clara, California | 1 | $ 855,000 | $ 855,000 | $ 160,000 |
| Solano, California | 1 | $ 315,000 | $ 315,000 | $ 57,000 |
| Tulare, California | 1 | $ 855,000 | $ 855,000 | $ 685,000 |
| Denver, Colorado | 1 | $ 115,000 | $ 115,000 | $ 302,000 |
| Douglas, Colorado | 1 | $ 455,000 | $ 455,000 | $ 116,000 |
| Routt, Colorado | 1 | $ 735,000 | $ 735,000 | $ 339,000 |
| Summit, Colorado | 1 | $ 835,000 | $ 835,000 | $ 0 |
| Charlotte, Florida | 1 | $ 355,000 | $ 355,000 | $ 221,000 |
| Miami-Dade, Florida | 1 | $ 295,000 | $ 295,000 | $ 170,000 |
| Nassau, Florida | 1 | $ 225,000 | $ 225,000 | $ 180,000 |
| Okaloosa, Florida | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Palm Beach, Florida | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| Polk, Florida | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Seminole, Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Walton, Florida | 1 | $ 2,125,000 | $ 2,125,000 | $ 0 |
| Chattooga, Georgia | 1 | $ 165,000 | $ 165,000 | $ 129,000 |
| Cobb, Georgia | 1 | $ 215,000 | $ 215,000 | $ 63,000 |
| Columbia, Georgia | 1 | $ 165,000 | $ 165,000 | $ 126,000 |
| Fayette, Georgia | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Fulton, Georgia | 1 | $ 415,000 | $ 415,000 | $ 145,000 |
| Gilmer, Georgia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Paulding, Georgia | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Union, Georgia | 1 | $ 255,000 | $ 255,000 | $ 233,000 |
| Kendall, Illinois | 1 | $ 175,000 | $ 175,000 | $ 245,000 |
| Madison, Illinois | 1 | $ 145,000 | $ 145,000 | $ 25,000 |
| Union, Illinois | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| Dearborn, Indiana | 1 | $ 245,000 | $ 245,000 | $ 36,000 |
| Marion, Indiana | 1 | $ 255,000 | $ 255,000 | $ 111,000 |
| Orange, Indiana | 1 | $ 125,000 | $ 125,000 | $ 264,000 |
| Spencer, Indiana | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Warrick, Indiana | 1 | $ 105,000 | $ 105,000 | $ 170,000 |
| Wayne, Indiana | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Adair, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Green, Kentucky | 1 | $ 235,000 | $ 235,000 | $ 69,000 |
| Jackson, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| McCracken, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 248,000 |
| Muhlenberg, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 350,000 |
| Taylor, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Washington, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 113,000 |
| Wayne, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 154,000 |
| Delta, Michigan | 1 | $ 235,000 | $ 235,000 | $ 100,000 |
| Marquette, Michigan | 1 | $ 185,000 | $ 185,000 | $ 171,000 |
| Wayne, Michigan | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Wexford, Michigan | 1 | $ 265,000 | $ 265,000 | $ 49,000 |
| Dakota, Minnesota | 1 | $ 335,000 | $ 335,000 | $ 164,000 |
| Hennepin, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Caldwell, North Carolina | 1 | $ 455,000 | $ 455,000 | $ 136,000 |
| Gaston, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Haywood, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 89,000 |
| Jackson, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 267,000 |
| New Hanover, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 312,000 |
| Northampton, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Athens, Ohio | 1 | $ 265,000 | $ 265,000 | $ 79,000 |
| Brown, Ohio | 1 | $ 6,205,000 | $ 6,205,000 | $ 0 |
| Delaware, Ohio | 1 | $ 55,000 | $ 55,000 | $ 215,000 |
| Mercer, Ohio | 1 | $ 285,000 | $ 285,000 | $ 90,000 |
| Scioto, Ohio | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Trumbull, Ohio | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Beaufort, South Carolina | 1 | $ 205,000 | $ 205,000 | $ 215,000 |
| Bradley, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 18,000 |
| Cheatham, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Coffee, Tennessee | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Fayette, Tennessee | 1 | $ 405,000 | $ 405,000 | $ 115,000 |
| Franklin, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Giles, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 56,000 |
| Grundy, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 210,000 |
| Monroe, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Norfolk, Virginia | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Rockbridge, Virginia | 1 | $ 185,000 | $ 185,000 | $ 179,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2018
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 | 2,124 | $470,540,000 | $221,000 | $5,405,000 | $122,000 | $8,635,000 |
| Cash-out Refinancing | 1,029 | $148,135,000 | $143,000 | $1,605,000 | $117,000 | $1,414,000 |
| Other Purpose | 730 | $53,430,000 | $73,000 | $1,405,000 | $117,000 | $2,053,000 |
| Home Improvement | 525 | $43,235,000 | $82,000 | $7,005,000 | $107,000 | $1,050,000 |
| Refinancing | 511 | $126,695,000 | $247,000 | $6,205,000 | $122,000 | $1,129,000 |
| Not Applicable | 69 | $3,205,000 | $46,000 | $125,000 | $29,000 | $51,000 |
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 | 3,660 | $552,560,000 | $150,000 | $4,145,000 | $124,000 | $8,635,000 |
| Not applicable | 407 | $172,745,000 | $424,000 | $7,005,000 | $0 | $0 |
| Black or African American | 360 | $41,130,000 | $114,000 | $2,005,000 | $71,000 | $1,000,000 |
| Hispanic | 207 | $24,415,000 | $117,000 | $1,405,000 | $65,000 | $1,094,000 |
| Not Provided | 205 | $25,945,000 | $126,000 | $1,205,000 | $105,000 | $529,000 |
| Asian | 106 | $19,860,000 | $187,000 | $1,045,000 | $144,000 | $582,000 |
| American Indian or Alaskan Native | 14 | $1,540,000 | $110,000 | $225,000 | $72,000 | $172,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $475,000 | $158,000 | $175,000 | $172,000 | $384,000 |
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) | 4,773 | $808,405,000 | $169,000 | $7,005,000 | $120,000 | $8,635,000 |
| FHA-insured (Federal Housing Administration) | 155 | $23,335,000 | $150,000 | $345,000 | $58,000 | $177,000 |
| VA-guaranteed (Veterans Administration) | 48 | $11,430,000 | $238,000 | $555,000 | $81,000 | $286,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $2,070,000 | $172,000 | $245,000 | $58,000 | $101,000 |
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 | 3,469 | $568,645,000 | $163,000 | $7,005,000 | $121,000 | $2,716,000 |
| Application Withdrawn By Applicant | 894 | $178,690,000 | $199,000 | $5,815,000 | $120,000 | $8,635,000 |
| Application Denied By Financial Institution | 376 | $65,270,000 | $173,000 | $2,665,000 | $82,000 | $1,320,000 |
| File Closed For Incompleteness | 131 | $19,395,000 | $148,000 | $1,105,000 | $102,000 | $500,000 |
| Loan Purchased By The Institution | 77 | $4,275,000 | $55,000 | $175,000 | $30,000 | $58,000 |
| Application Approved But Not Accepted | 41 | $8,965,000 | $218,000 | $2,605,000 | $178,000 | $3,036,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,612 | $779,970,000 | $169,000 | $7,005,000 | $119,000 | $8,635,000 |
| Credit History | 124 | $14,310,000 | $115,000 | $2,005,000 | $100,000 | $1,320,000 |
| Debt-To-Income Ratio | 121 | $16,615,000 | $137,000 | $1,405,000 | $71,000 | $1,112,000 |
| Collateral | 65 | $18,505,000 | $284,000 | $2,665,000 | $66,000 | $249,000 |
| Other | 51 | $14,075,000 | $275,000 | $2,075,000 | $99,000 | $408,000 |
| Employment History | 8 | $530,000 | $66,000 | $125,000 | $44,000 | $97,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,005,000 | $201,000 | $405,000 | $52,000 | $61,000 |
| Unverifiable Information | 2 | $230,000 | $115,000 | $125,000 | $31,000 | $31,000 |
| 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 2018 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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