Republic Bank & Trust Mortgage Lending & HMDA Data, 2021

In 2021, Republic Bank & Trust of Louisville, KY reported 7,994 mortgage applications totaling $1.8 billion, down 12% from 2020. The average application was for $226,643, and applicants reported an average income of $120,864. 61% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (4,188), Lexington-Fayette, KY (686) and Tampa-St. Petersburg-Clearwater, FL (519) (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 7,994
Total Mortgage Loan Application Amount $1,811,790,000
Average Mortgage Loan Application Amount $226,643
Highest Mortgage Loan Application Amount $6,005,000
Average Applicant Income $120,864
Highest Applicant Income $4,357,000

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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Republic Bank & Trust by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jefferson, Kentucky 2,988 $ 555,340,000 $ 185,856 $ 113,000
Fayette, Kentucky 537 $ 120,975,000 $ 225,279 $ 109,000
Clark, Indiana 305 $ 47,005,000 $ 154,114 $ 77,000
Pinellas, Florida 266 $ 73,200,000 $ 275,187 $ 167,000
Bullitt, Kentucky 234 $ 38,260,000 $ 163,504 $ 91,000
Oldham, Kentucky 214 $ 49,060,000 $ 229,252 $ 150,000
Floyd, Indiana 199 $ 33,955,000 $ 170,628 $ 96,000
Davidson, Tennessee 188 $ 67,740,000 $ 360,319 $ 175,000
Hillsborough, Florida 184 $ 52,480,000 $ 285,217 $ 138,000
Shelby, Kentucky 146 $ 28,100,000 $ 192,465 $ 135,000
Williamson, Tennessee 105 $ 36,345,000 $ 346,142 $ 192,000
Kenton, Kentucky 99 $ 32,145,000 $ 324,696 $ 135,000
Hamilton, Ohio 98 $ 40,720,000 $ 415,510 $ 121,000
Scott, Kentucky 67 $ 13,095,000 $ 195,447 $ 114,000
Pasco, Florida 60 $ 9,660,000 $ 161,000 $ 83,000
Spencer, Kentucky 50 $ 9,170,000 $ 183,400 $ 101,000
Boone, Kentucky 48 $ 10,470,000 $ 218,125 $ 127,000
Jessamine, Kentucky 41 $ 15,815,000 $ 385,731 $ 104,000
Nelson, Kentucky 36 $ 6,230,000 $ 173,055 $ 91,000
Wake, North Carolina 36 $ 9,970,000 $ 276,944 $ 127,000
Cook, Illinois 35 $ 10,335,000 $ 295,285 $ 229,000
Maricopa, Arizona 34 $ 9,930,000 $ 292,058 $ 170,000
Hardin, Kentucky 34 $ 4,350,000 $ 127,941 $ 79,000
Campbell, Kentucky 33 $ 10,565,000 $ 320,151 $ 141,000
Butler, Ohio 33 $ 5,755,000 $ 174,393 $ 95,000
Franklin, Kentucky 31 $ 11,655,000 $ 375,967 $ 90,000
Manatee, Florida 28 $ 7,290,000 $ 260,357 $ 121,000
Warren, Ohio 27 $ 13,675,000 $ 506,481 $ 172,000
Fairfield, Connecticut 25 $ 8,395,000 $ 335,800 $ 125,000
Madison, Kentucky 24 $ 8,580,000 $ 357,500 $ 97,000
Harrison, Indiana 23 $ 2,835,000 $ 123,260 $ 86,000
Broward, Florida 21 $ 6,235,000 $ 296,904 $ 135,000
Woodford, Kentucky 20 $ 4,550,000 $ 227,500 $ 104,000
Henry, Kentucky 19 $ 3,365,000 $ 177,105 $ 72,000
Rutherford, Tennessee 19 $ 6,505,000 $ 342,368 $ 99,000
Polk, Florida 18 $ 3,590,000 $ 199,444 $ 68,000
Clark, Kentucky 18 $ 4,490,000 $ 249,444 $ 217,000
Miami-Dade, Florida 17 $ 4,555,000 $ 267,941 $ 130,000
Los Angeles, California 16 $ 9,200,000 $ 575,000 $ 169,000
Daviess, Kentucky 16 $ 2,290,000 $ 143,125 $ 65,000
DeSoto, Mississippi 16 $ 2,990,000 $ 186,875 $ 155,000
Charleston, South Carolina 16 $ 6,600,000 $ 412,500 $ 167,000
Gwinnett, Georgia 15 $ 5,225,000 $ 348,333 $ 147,000
Lee, Florida 14 $ 5,590,000 $ 399,285 $ 196,000
Sarasota, Florida 14 $ 3,210,000 $ 229,285 $ 105,000
Mecklenburg, North Carolina 14 $ 3,730,000 $ 266,428 $ 99,000
Palm Beach, Florida 13 $ 4,725,000 $ 363,461 $ 254,000
Volusia, Florida 13 $ 2,885,000 $ 221,923 $ 93,000
Madison, Alabama 12 $ 2,490,000 $ 207,500 $ 261,000
Orange, Florida 12 $ 3,360,000 $ 280,000 $ 117,000
Oakland, Michigan 12 $ 2,720,000 $ 226,666 $ 153,000
Montgomery, Pennsylvania 12 $ 2,850,000 $ 237,500 $ 129,000
Fayette, Tennessee 12 $ 2,290,000 $ 190,833 $ 208,000
San Diego, California 11 $ 5,055,000 $ 459,545 $ 129,000
Hartford, Connecticut 11 $ 2,545,000 $ 231,363 $ 122,000
New Haven, Connecticut 11 $ 2,625,000 $ 238,636 $ 124,000
Walton, Florida 11 $ 11,935,000 $ 1,085,000 $ 192,000
DeKalb, Georgia 11 $ 4,185,000 $ 380,454 $ 134,000
Hennepin, Minnesota 11 $ 3,535,000 $ 321,363 $ 129,000
Wilson, Tennessee 11 $ 2,645,000 $ 240,454 $ 129,000
Fairfax, Virginia 11 $ 4,685,000 $ 425,909 $ 141,000
Prince William, Virginia 11 $ 3,915,000 $ 355,909 $ 123,000
Hamilton, Indiana 10 $ 2,020,000 $ 202,000 $ 151,000
Washington, Indiana 10 $ 1,330,000 $ 133,000 $ 69,000
Meade, Kentucky 10 $ 1,710,000 $ 171,000 $ 78,000
Bergen, New Jersey 10 $ 3,000,000 $ 300,000 $ 136,000
Camden, New Jersey 10 $ 2,060,000 $ 206,000 $ 150,000
Bucks, Pennsylvania 10 $ 2,650,000 $ 265,000 $ 214,000
Beaufort, South Carolina 10 $ 2,490,000 $ 249,000 $ 146,000
Maury, Tennessee 10 $ 2,290,000 $ 229,000 $ 96,000
Shelby, Tennessee 10 $ 1,720,000 $ 172,000 $ 157,000
Jefferson, Alabama 9 $ 2,275,000 $ 252,777 $ 126,000
Hernando, Florida 9 $ 1,525,000 $ 169,444 $ 67,000
Osceola, Florida 9 $ 1,835,000 $ 203,888 $ 87,000
Fulton, Georgia 9 $ 2,055,000 $ 228,333 $ 130,000
Will, Illinois 9 $ 1,775,000 $ 197,222 $ 114,000
Marion, Indiana 9 $ 1,835,000 $ 203,888 $ 88,000
Boyle, Kentucky 9 $ 1,815,000 $ 201,666 $ 91,000
Warren, Kentucky 9 $ 1,945,000 $ 216,111 $ 127,000
Burlington, New Jersey 9 $ 1,965,000 $ 218,333 $ 137,000
Gloucester, New Jersey 9 $ 2,265,000 $ 251,666 $ 145,000
Morris, New Jersey 9 $ 2,685,000 $ 298,333 $ 163,000
Chester, Pennsylvania 9 $ 2,035,000 $ 226,111 $ 109,000
Greenville, South Carolina 9 $ 1,915,000 $ 212,777 $ 87,000
Hamilton, Tennessee 9 $ 1,625,000 $ 180,555 $ 119,000
Baldwin, Alabama 8 $ 2,460,000 $ 307,500 $ 97,000
San Bernardino, California 8 $ 1,430,000 $ 178,750 $ 112,000
Duval, Florida 8 $ 2,410,000 $ 301,250 $ 143,000
Cobb, Georgia 8 $ 2,880,000 $ 360,000 $ 132,000
Durham, North Carolina 8 $ 1,560,000 $ 195,000 $ 137,000
Lehigh, Pennsylvania 8 $ 1,250,000 $ 156,250 $ 72,000
Philadelphia, Pennsylvania 8 $ 1,550,000 $ 193,750 $ 215,000
Sumner, Tennessee 8 $ 1,970,000 $ 246,250 $ 82,000
King, Washington 8 $ 4,220,000 $ 527,500 $ 150,000
District of Columbia, District Of Columbia 7 $ 2,975,000 $ 425,000 $ 119,000
Brevard, Florida 7 $ 1,685,000 $ 240,714 $ 111,000
Seminole, Florida 7 $ 1,565,000 $ 223,571 $ 120,000
Breckinridge, Kentucky 7 $ 1,195,000 $ 170,714 $ 123,000
Jackson, Missouri 7 $ 1,255,000 $ 179,285 $ 141,000
Middlesex, New Jersey 7 $ 2,205,000 $ 315,000 $ 118,000
Monmouth, New Jersey 7 $ 2,915,000 $ 416,428 $ 147,000
Buncombe, North Carolina 7 $ 2,315,000 $ 330,714 $ 195,000
Clermont, Ohio 7 $ 1,115,000 $ 159,285 $ 101,000
Lexington, South Carolina 7 $ 1,745,000 $ 249,285 $ 102,000
Salt Lake, Utah 7 $ 1,885,000 $ 269,285 $ 135,000
Riverside, California 6 $ 1,710,000 $ 285,000 $ 111,000
Middlesex, Connecticut 6 $ 1,600,000 $ 266,666 $ 88,000
Bay, Florida 6 $ 4,350,000 $ 725,000 $ 216,000
Collier, Florida 6 $ 2,490,000 $ 415,000 $ 279,000
Marion, Florida 6 $ 1,090,000 $ 181,666 $ 75,000
St. Johns, Florida 6 $ 2,210,000 $ 368,333 $ 103,000
Sumter, Florida 6 $ 1,920,000 $ 320,000 $ 119,000
Cherokee, Georgia 6 $ 1,670,000 $ 278,333 $ 119,000
Scott, Indiana 6 $ 770,000 $ 128,333 $ 61,000
Anderson, Kentucky 6 $ 890,000 $ 148,333 $ 50,000
Essex, New Jersey 6 $ 1,470,000 $ 245,000 $ 115,000
Chatham, North Carolina 6 $ 2,300,000 $ 383,333 $ 145,000
Forsyth, North Carolina 6 $ 1,610,000 $ 268,333 $ 117,000
Franklin, Ohio 6 $ 1,090,000 $ 181,666 $ 83,000
Lorain, Ohio 6 $ 830,000 $ 138,333 $ 123,000
Lancaster, Pennsylvania 6 $ 1,410,000 $ 235,000 $ 78,000
Dorchester, South Carolina 6 $ 1,230,000 $ 205,000 $ 93,000
Alameda, California 5 $ 2,705,000 $ 541,000 $ 246,000
Contra Costa, California 5 $ 2,085,000 $ 417,000 $ 417,000
Santa Clara, California 5 $ 3,575,000 $ 715,000 $ 265,000
Citrus, Florida 5 $ 1,115,000 $ 223,000 $ 109,000
Indian River, Florida 5 $ 1,375,000 $ 275,000 $ 81,000
Dearborn, Indiana 5 $ 825,000 $ 165,000 $ 168,000
Hendricks, Indiana 5 $ 795,000 $ 159,000 $ 78,000
Porter, Indiana 5 $ 1,705,000 $ 341,000 $ 123,000
Larue, Kentucky 5 $ 845,000 $ 169,000 $ 46,000
Mercer, Kentucky 5 $ 1,805,000 $ 361,000 $ 57,000
Lafayette, Louisiana 5 $ 1,225,000 $ 245,000 $ 112,000
Genesee, Michigan 5 $ 1,045,000 $ 209,000 $ 83,000
St. Charles, Missouri 5 $ 935,000 $ 187,000 $ 103,000
St. Louis, Missouri 5 $ 1,645,000 $ 329,000 $ 135,000
Atlantic, New Jersey 5 $ 875,000 $ 175,000 $ 54,000
Ocean, New Jersey 5 $ 1,585,000 $ 317,000 $ 139,000
Somerset, New Jersey 5 $ 1,205,000 $ 241,000 $ 151,000
Johnston, North Carolina 5 $ 1,005,000 $ 201,000 $ 97,000
Summit, Ohio 5 $ 805,000 $ 161,000 $ 81,000
Delaware, Pennsylvania 5 $ 1,435,000 $ 287,000 $ 114,000
Arlington, Virginia 5 $ 2,235,000 $ 447,000 $ 214,000
Chesterfield, Virginia 5 $ 1,545,000 $ 309,000 $ 139,000
Loudoun, Virginia 5 $ 1,625,000 $ 325,000 $ 129,000
Stafford, Virginia 5 $ 1,635,000 $ 327,000 $ 93,000
Dane, Wisconsin 5 $ 1,005,000 $ 201,000 $ 141,000
Shelby, Alabama 4 $ 1,120,000 $ 280,000 $ 135,000
Alachua, Florida 4 $ 1,140,000 $ 285,000 $ 114,000
Lake, Florida 4 $ 1,190,000 $ 297,500 $ 148,000
Okaloosa, Florida 4 $ 1,000,000 $ 250,000 $ 50,000
St. Lucie, Florida 4 $ 610,000 $ 152,500 $ 102,000
Bartow, Georgia 4 $ 1,040,000 $ 260,000 $ 93,000
Fayette, Georgia 4 $ 1,100,000 $ 275,000 $ 121,000
Forsyth, Georgia 4 $ 920,000 $ 230,000 $ 211,000
DuPage, Illinois 4 $ 870,000 $ 217,500 $ 114,000
Lake, Illinois 4 $ 880,000 $ 220,000 $ 138,000
Crawford, Indiana 4 $ 760,000 $ 190,000 $ 71,000
Lake, Indiana 4 $ 740,000 $ 185,000 $ 91,000
Grayson, Kentucky 4 $ 1,000,000 $ 250,000 $ 68,000
Harrison, Kentucky 4 $ 470,000 $ 117,500 $ 74,000
Anoka, Minnesota 4 $ 870,000 $ 217,500 $ 118,000
Dakota, Minnesota 4 $ 1,240,000 $ 310,000 $ 140,000
Clay, Missouri 4 $ 890,000 $ 222,500 $ 153,000
Greene, Missouri 4 $ 570,000 $ 142,500 $ 81,000
St. Louis City, Missouri 4 $ 440,000 $ 110,000 $ 128,000
Passaic, New Jersey 4 $ 890,000 $ 222,500 $ 103,000
Iredell, North Carolina 4 $ 1,230,000 $ 307,500 $ 137,000
New Hanover, North Carolina 4 $ 1,390,000 $ 347,500 $ 93,000
Transylvania, North Carolina 4 $ 1,430,000 $ 357,500 $ 183,000
Union, North Carolina 4 $ 1,510,000 $ 377,500 $ 153,000
Cuyahoga, Ohio 4 $ 700,000 $ 175,000 $ 93,000
Greene, Ohio 4 $ 2,230,000 $ 557,500 $ 86,000
Montgomery, Ohio 4 $ 340,000 $ 85,000 $ 42,000
Washington, Oregon 4 $ 1,250,000 $ 312,500 $ 127,000
Allegheny, Pennsylvania 4 $ 1,440,000 $ 360,000 $ 132,000
Spartanburg, South Carolina 4 $ 760,000 $ 190,000 $ 98,000
York, South Carolina 4 $ 970,000 $ 242,500 $ 94,000
Cheatham, Tennessee 4 $ 720,000 $ 180,000 $ 111,000
Robertson, Tennessee 4 $ 940,000 $ 235,000 $ 90,000
Henrico, Virginia 4 $ 960,000 $ 240,000 $ 78,000
Mobile, Alabama 3 $ 805,000 $ 268,333 $ 149,000
Pinal, Arizona 3 $ 575,000 $ 191,666 $ 85,000
Marin, California 3 $ 1,505,000 $ 501,666 $ 86,000
Orange, California 3 $ 1,605,000 $ 535,000 $ 441,000
San Francisco, California 3 $ 1,375,000 $ 458,333 $ 118,000
Solano, California 3 $ 845,000 $ 281,666 $ 251,000
Ventura, California 3 $ 1,605,000 $ 535,000 $ 175,000
Litchfield, Connecticut 3 $ 585,000 $ 195,000 $ 92,000
New London, Connecticut 3 $ 855,000 $ 285,000 $ 71,000
Barrow, Georgia 3 $ 635,000 $ 211,666 $ 53,000
Chatham, Georgia 3 $ 635,000 $ 211,666 $ 151,000
Clayton, Georgia 3 $ 575,000 $ 191,666 $ 109,000
Fannin, Georgia 3 $ 1,535,000 $ 511,666 $ 2,573,000
Hall, Georgia 3 $ 735,000 $ 245,000 $ 80,000
Henry, Georgia 3 $ 815,000 $ 271,666 $ 84,000
Paulding, Georgia 3 $ 595,000 $ 198,333 $ 92,000
Allen, Indiana 3 $ 355,000 $ 118,333 $ 56,000
Jefferson, Indiana 3 $ 505,000 $ 168,333 $ 156,000
Barren, Kentucky 3 $ 585,000 $ 195,000 $ 83,000
Bourbon, Kentucky 3 $ 625,000 $ 208,333 $ 79,000
Logan, Kentucky 3 $ 655,000 $ 218,333 $ 65,000
Mason, Kentucky 3 $ 465,000 $ 155,000 $ 44,000
McCracken, Kentucky 3 $ 385,000 $ 128,333 $ 36,000
Montgomery, Kentucky 3 $ 1,185,000 $ 395,000 $ 53,000
Powell, Kentucky 3 $ 165,000 $ 55,000 $ 85,000
Trimble, Kentucky 3 $ 435,000 $ 145,000 $ 84,000
Jefferson, Louisiana 3 $ 865,000 $ 288,333 $ 102,000
Ouachita, Louisiana 3 $ 805,000 $ 268,333 $ 66,000
St. Tammany, Louisiana 3 $ 525,000 $ 175,000 $ 96,000
Ingham, Michigan 3 $ 665,000 $ 221,666 $ 59,000
Kalamazoo, Michigan 3 $ 965,000 $ 321,666 $ 360,000
Wayne, Michigan 3 $ 655,000 $ 218,333 $ 185,000
Ramsey, Minnesota 3 $ 705,000 $ 235,000 $ 143,000
Scott, Minnesota 3 $ 555,000 $ 185,000 $ 129,000
Wright, Minnesota 3 $ 585,000 $ 195,000 $ 105,000
Hudson, New Jersey 3 $ 1,155,000 $ 385,000 $ 139,000
Mercer, New Jersey 3 $ 685,000 $ 228,333 $ 109,000
Brunswick, North Carolina 3 $ 955,000 $ 318,333 $ 109,000
Cabarrus, North Carolina 3 $ 845,000 $ 281,666 $ 125,000
Catawba, North Carolina 3 $ 515,000 $ 171,666 $ 87,000
Jackson, North Carolina 3 $ 505,000 $ 168,333 $ 72,000
Lincoln, North Carolina 3 $ 945,000 $ 315,000 $ 104,000
Orange, North Carolina 3 $ 1,095,000 $ 365,000 $ 163,000
Delaware, Ohio 3 $ 885,000 $ 295,000 $ 194,000
Lake, Ohio 3 $ 565,000 $ 188,333 $ 84,000
Erie, Pennsylvania 3 $ 115,000 $ 38,333 $ 98,000
York, Pennsylvania 3 $ 655,000 $ 218,333 $ 144,000
Berkeley, South Carolina 3 $ 785,000 $ 261,666 $ 74,000
Horry, South Carolina 3 $ 685,000 $ 228,333 $ 93,000
Sevier, Tennessee 3 $ 1,185,000 $ 395,000 $ 199,000
Sullivan, Tennessee 3 $ 715,000 $ 238,333 $ 65,000
Isle of Wight, Virginia 3 $ 985,000 $ 328,333 $ 111,000
Covington, Alabama 2 $ 310,000 $ 155,000 $ 65,000
Etowah, Alabama 2 $ 500,000 $ 250,000 $ 112,000
Lauderdale, Alabama 2 $ 260,000 $ 130,000 $ 80,000
Lee, Alabama 2 $ 540,000 $ 270,000 $ 198,000
Limestone, Alabama 2 $ 660,000 $ 330,000 $ 145,000
Montgomery, Alabama 2 $ 300,000 $ 150,000 $ 198,000
Fresno, California 2 $ 210,000 $ 105,000 $ 44,000
San Luis Obispo, California 2 $ 700,000 $ 350,000 $ 255,000
El Paso, Colorado 2 $ 770,000 $ 385,000 $ 193,000
Clay, Florida 2 $ 590,000 $ 295,000 $ 119,000
Highlands, Florida 2 $ 160,000 $ 80,000 $ 62,000
Camden, Georgia 2 $ 540,000 $ 270,000 $ 79,000
Coweta, Georgia 2 $ 540,000 $ 270,000 $ 176,000
Douglas, Georgia 2 $ 620,000 $ 310,000 $ 153,000
Haralson, Georgia 2 $ 360,000 $ 180,000 $ 88,000
Jackson, Georgia 2 $ 390,000 $ 195,000 $ 88,000
Newton, Georgia 2 $ 390,000 $ 195,000 $ 91,000
Bartholomew, Indiana 2 $ 660,000 $ 330,000 $ 156,000
Boone, Indiana 2 $ 480,000 $ 240,000 $ 240,000
Daviess, Indiana 2 $ 190,000 $ 95,000 $ 46,000
Hancock, Indiana 2 $ 230,000 $ 115,000 $ 41,000
Johnson, Indiana 2 $ 480,000 $ 240,000 $ 110,000
Monroe, Indiana 2 $ 470,000 $ 235,000 $ 142,000
Vigo, Indiana 2 $ 130,000 $ 65,000 $ 118,000
Allen, Kentucky 2 $ 660,000 $ 330,000 $ 130,000
Gallatin, Kentucky 2 $ 30,000 $ 15,000 $ 36,000
Garrard, Kentucky 2 $ 320,000 $ 160,000 $ 55,000
Grant, Kentucky 2 $ 410,000 $ 205,000 $ 42,000
Hart, Kentucky 2 $ 470,000 $ 235,000 $ 152,000
Laurel, Kentucky 2 $ 310,000 $ 155,000 $ 90,000
Lewis, Kentucky 2 $ 390,000 $ 195,000 $ 104,000
Lincoln, Kentucky 2 $ 320,000 $ 160,000 $ 77,000
Livingston, Kentucky 2 $ 310,000 $ 155,000 $ 23,000
Marshall, Kentucky 2 $ 660,000 $ 330,000 $ 190,000
Muhlenberg, Kentucky 2 $ 350,000 $ 175,000 $ 69,000
Ohio, Kentucky 2 $ 230,000 $ 115,000 $ 48,000
Washington, Kentucky 2 $ 440,000 $ 220,000 $ 86,000
Wayne, Kentucky 2 $ 320,000 $ 160,000 $ 152,000
Whitley, Kentucky 2 $ 280,000 $ 140,000 $ 45,000
East Baton Rouge, Louisiana 2 $ 970,000 $ 485,000 $ 238,000
Orleans, Louisiana 2 $ 500,000 $ 250,000 $ 134,000
Eaton, Michigan 2 $ 460,000 $ 230,000 $ 70,000
Kent, Michigan 2 $ 290,000 $ 145,000 $ 57,000
Macomb, Michigan 2 $ 440,000 $ 220,000 $ 176,000
Washington, Minnesota 2 $ 330,000 $ 165,000 $ 78,000
Harrison, Mississippi 2 $ 300,000 $ 150,000 $ 147,000
Jackson, Mississippi 2 $ 360,000 $ 180,000 $ 60,000
Cass, Missouri 2 $ 440,000 $ 220,000 $ 44,000
Taney, Missouri 2 $ 630,000 $ 315,000 $ 104,000
Cape May, New Jersey 2 $ 630,000 $ 315,000 $ 77,000
Union, New Jersey 2 $ 470,000 $ 235,000 $ 61,000
Currituck, North Carolina 2 $ 2,140,000 $ 1,070,000 $ 657,000
Davidson, North Carolina 2 $ 360,000 $ 180,000 $ 54,000
Davie, North Carolina 2 $ 530,000 $ 265,000 $ 68,000
Gaston, North Carolina 2 $ 440,000 $ 220,000 $ 94,000
Guilford, North Carolina 2 $ 670,000 $ 335,000 $ 206,000
Moore, North Carolina 2 $ 690,000 $ 345,000 $ 764,000
Pasquotank, North Carolina 2 $ 690,000 $ 345,000 $ 73,000
Richmond, North Carolina 2 $ 240,000 $ 120,000 $ 130,000
Brown, Ohio 2 $ 230,000 $ 115,000 $ 70,000
Columbiana, Ohio 2 $ 270,000 $ 135,000 $ 95,000
Fairfield, Ohio 2 $ 420,000 $ 210,000 $ 108,000
Lucas, Ohio 2 $ 300,000 $ 150,000 $ 133,000
Miami, Ohio 2 $ 560,000 $ 280,000 $ 167,000
Portage, Ohio 2 $ 710,000 $ 355,000 $ 65,000
Stark, Ohio 2 $ 390,000 $ 195,000 $ 81,000
Benton, Oregon 2 $ 350,000 $ 175,000 $ 93,000
Jackson, Oregon 2 $ 390,000 $ 195,000 $ 104,000
Lane, Oregon 2 $ 560,000 $ 280,000 $ 78,000
Multnomah, Oregon 2 $ 950,000 $ 475,000 $ 172,000
Berks, Pennsylvania 2 $ 580,000 $ 290,000 $ 173,000
Monroe, Pennsylvania 2 $ 790,000 $ 395,000 $ 105,000
Schuylkill, Pennsylvania 2 $ 310,000 $ 155,000 $ 71,000
Union, Pennsylvania 2 $ 280,000 $ 140,000 $ 90,000
Washington, Pennsylvania 2 $ 390,000 $ 195,000 $ 162,000
Westmoreland, Pennsylvania 2 $ 420,000 $ 210,000 $ 124,000
Georgetown, South Carolina 2 $ 850,000 $ 425,000 $ 162,000
Kershaw, South Carolina 2 $ 800,000 $ 400,000 $ 149,000
Pickens, South Carolina 2 $ 390,000 $ 195,000 $ 129,000
Richland, South Carolina 2 $ 710,000 $ 355,000 $ 103,000
Blount, Tennessee 2 $ 360,000 $ 180,000 $ 56,000
DeKalb, Tennessee 2 $ 840,000 $ 420,000 $ 112,000
Montgomery, Tennessee 2 $ 260,000 $ 130,000 $ 90,000
Overton, Tennessee 2 $ 320,000 $ 160,000 $ 92,000
Utah, Utah 2 $ 840,000 $ 420,000 $ 117,000
Albemarle, Virginia 2 $ 710,000 $ 355,000 $ 796,000
Lynchburg, Virginia 2 $ 690,000 $ 345,000 $ 149,000
Spotsylvania, Virginia 2 $ 620,000 $ 310,000 $ 77,000
Virginia Beach, Virginia 2 $ 700,000 $ 350,000 $ 137,000
Pierce, Washington 2 $ 400,000 $ 200,000 $ 91,000
Snohomish, Washington 2 $ 430,000 $ 215,000 $ 222,000
Polk, Wisconsin 2 $ 410,000 $ 205,000 $ 132,000
St. Croix, Wisconsin 2 $ 400,000 $ 200,000 $ 132,000
Washington, Wisconsin 2 $ 490,000 $ 245,000 $ 54,000
Cherokee, Alabama 1 $ 175,000 $ 175,000 $ 235,000
Dale, Alabama 1 $ 305,000 $ 305,000 $ 180,000
Elmore, Alabama 1 $ 165,000 $ 165,000 $ 440,000
Houston, Alabama 1 $ 215,000 $ 215,000 $ 94,000
Morgan, Alabama 1 $ 175,000 $ 175,000 $ 45,000
Russell, Alabama 1 $ 145,000 $ 145,000 $ 87,000
Tuscaloosa, Alabama 1 $ 175,000 $ 175,000 $ 31,000
Cochise, Arizona 1 $ 195,000 $ 195,000 $ 124,000
Mohave, Arizona 1 $ 45,000 $ 45,000 $ 60,000
Navajo, Arizona 1 $ 175,000 $ 175,000 $ 61,000
Yuma, Arizona 1 $ 205,000 $ 205,000 $ 62,000
Kern, California 1 $ 185,000 $ 185,000 $ 147,000
Madera, California 1 $ 185,000 $ 185,000 $ 84,000
Placer, California 1 $ 205,000 $ 205,000 $ 50,000
Sacramento, California 1 $ 185,000 $ 185,000 $ 122,000
San Joaquin, California 1 $ 285,000 $ 285,000 $ 51,000
San Mateo, California 1 $ 375,000 $ 375,000 $ 60,000
Santa Barbara, California 1 $ 665,000 $ 665,000 $ 140,000
Santa Cruz, California 1 $ 195,000 $ 195,000 $ 131,000
Stanislaus, California 1 $ 185,000 $ 185,000 $ 245,000
Tulare, California 1 $ 165,000 $ 165,000 $ 59,000
Tuolumne, California 1 $ 185,000 $ 185,000 $ 52,000
Adams, Colorado 1 $ 285,000 $ 285,000 $ 52,000
Arapahoe, Colorado 1 $ 375,000 $ 375,000 $ 86,000
Boulder, Colorado 1 $ 395,000 $ 395,000 $ 0
Broomfield, Colorado 1 $ 195,000 $ 195,000 $ 157,000
Denver, Colorado 1 $ 225,000 $ 225,000 $ 78,000
Douglas, Colorado 1 $ 165,000 $ 165,000 $ 18,000
Jefferson, Colorado 1 $ 55,000 $ 55,000 $ 217,000
Larimer, Colorado 1 $ 5,000 $ 5,000 $ 23,000
Park, Colorado 1 $ 465,000 $ 465,000 $ 109,000
Summit, Colorado 1 $ 215,000 $ 215,000 $ 134,000
Tolland, Connecticut 1 $ 255,000 $ 255,000 $ 126,000
Windham, Connecticut 1 $ 285,000 $ 285,000 $ 47,000
Charlotte, Florida 1 $ 655,000 $ 655,000 $ 242,000
Columbia, Florida 1 $ 325,000 $ 325,000 $ 84,000
Dixie, Florida 1 $ 105,000 $ 105,000 $ 41,000
Escambia, Florida 1 $ 325,000 $ 325,000 $ 308,000
Gulf, Florida 1 $ 255,000 $ 255,000 $ 0
Leon, Florida 1 $ 625,000 $ 625,000 $ 250,000
Martin, Florida 1 $ 745,000 $ 745,000 $ 404,000
Monroe, Florida 1 $ 275,000 $ 275,000 $ 161,000
Nassau, Florida 1 $ 265,000 $ 265,000 $ 78,000
Burke, Georgia 1 $ 285,000 $ 285,000 $ 49,000
Catoosa, Georgia 1 $ 225,000 $ 225,000 $ 73,000
Floyd, Georgia 1 $ 135,000 $ 135,000 $ 185,000
Gilmer, Georgia 1 $ 135,000 $ 135,000 $ 124,000
Glynn, Georgia 1 $ 1,125,000 $ 1,125,000 $ 500,000
Murray, Georgia 1 $ 395,000 $ 395,000 $ 205,000
Putnam, Georgia 1 $ 415,000 $ 415,000 $ 575,000
Spalding, Georgia 1 $ 175,000 $ 175,000 $ 117,000
Toombs, Georgia 1 $ 145,000 $ 145,000 $ 59,000
Troup, Georgia 1 $ 245,000 $ 245,000 $ 40,000
Union, Georgia 1 $ 235,000 $ 235,000 $ 153,000
Walton, Georgia 1 $ 155,000 $ 155,000 $ 86,000
Ware, Georgia 1 $ 365,000 $ 365,000 $ 124,000
Whitfield, Georgia 1 $ 145,000 $ 145,000 $ 101,000
Kankakee, Illinois 1 $ 225,000 $ 225,000 $ 69,000
Kendall, Illinois 1 $ 65,000 $ 65,000 $ 127,000
McHenry, Illinois 1 $ 225,000 $ 225,000 $ 150,000
McLean, Illinois 1 $ 285,000 $ 285,000 $ 134,000
Rock Island, Illinois 1 $ 125,000 $ 125,000 $ 105,000
St. Clair, Illinois 1 $ 275,000 $ 275,000 $ 96,000
Decatur, Indiana 1 $ 175,000 $ 175,000 $ 62,000
Elkhart, Indiana 1 $ 205,000 $ 205,000 $ 51,000
Howard, Indiana 1 $ 65,000 $ 65,000 $ 12,000
Jennings, Indiana 1 $ 55,000 $ 55,000 $ 0
Madison, Indiana 1 $ 355,000 $ 355,000 $ 150,000
Orange, Indiana 1 $ 215,000 $ 215,000 $ 81,000
Ripley, Indiana 1 $ 205,000 $ 205,000 $ 64,000
Spencer, Indiana 1 $ 125,000 $ 125,000 $ 85,000
St. Joseph, Indiana 1 $ 105,000 $ 105,000 $ 83,000
Steuben, Indiana 1 $ 55,000 $ 55,000 $ 81,000
Switzerland, Indiana 1 $ 75,000 $ 75,000 $ 35,000
Tippecanoe, Indiana 1 $ 115,000 $ 115,000 $ 109,000
Warrick, Indiana 1 $ 245,000 $ 245,000 $ 200,000
Adair, Kentucky 1 $ 95,000 $ 95,000 $ 50,000
Bath, Kentucky 1 $ 45,000 $ 45,000 $ 19,000
Butler, Kentucky 1 $ 195,000 $ 195,000 $ 70,000
Caldwell, Kentucky 1 $ 255,000 $ 255,000 $ 78,000
Carroll, Kentucky 1 $ 205,000 $ 205,000 $ 148,000
Carter, Kentucky 1 $ 145,000 $ 145,000 $ 138,000
Greenup, Kentucky 1 $ 155,000 $ 155,000 $ 71,000
Henderson, Kentucky 1 $ 235,000 $ 235,000 $ 60,000
Lee, Kentucky 1 $ 85,000 $ 85,000 $ 82,000
Marion, Kentucky 1 $ 95,000 $ 95,000 $ 53,000
Menifee, Kentucky 1 $ 115,000 $ 115,000 $ 87,000
Metcalfe, Kentucky 1 $ 125,000 $ 125,000 $ 63,000
Owen, Kentucky 1 $ 205,000 $ 205,000 $ 77,000
Perry, Kentucky 1 $ 65,000 $ 65,000 $ 0
Pike, Kentucky 1 $ 655,000 $ 655,000 $ 463,000
Pulaski, Kentucky 1 $ 165,000 $ 165,000 $ 216,000
Rowan, Kentucky 1 $ 145,000 $ 145,000 $ 51,000
Russell, Kentucky 1 $ 365,000 $ 365,000 $ 0
Taylor, Kentucky 1 $ 105,000 $ 105,000 $ 44,000
Wolfe, Kentucky 1 $ 55,000 $ 55,000 $ 39,000
Ascension, Louisiana 1 $ 145,000 $ 145,000 $ 80,000
Livingston, Louisiana 1 $ 165,000 $ 165,000 $ 40,000
Plaquemines, Louisiana 1 $ 285,000 $ 285,000 $ 563,000
St. John the Baptist, Louisiana 1 $ 205,000 $ 205,000 $ 37,000
Terrebonne, Louisiana 1 $ 385,000 $ 385,000 $ 400,000
West Feliciana, Louisiana 1 $ 165,000 $ 165,000 $ 22,000
Barry, Michigan 1 $ 295,000 $ 295,000 $ 70,000
Bay, Michigan 1 $ 305,000 $ 305,000 $ 162,000
Berrien, Michigan 1 $ 165,000 $ 165,000 $ 178,000
Calhoun, Michigan 1 $ 95,000 $ 95,000 $ 50,000
Hillsdale, Michigan 1 $ 555,000 $ 555,000 $ 26,000
Leelanau, Michigan 1 $ 175,000 $ 175,000 $ 48,000
Livingston, Michigan 1 $ 195,000 $ 195,000 $ 60,000
Monroe, Michigan 1 $ 155,000 $ 155,000 $ 86,000
Ottawa, Michigan 1 $ 205,000 $ 205,000 $ 75,000
Saginaw, Michigan 1 $ 95,000 $ 95,000 $ 208,000
Shiawassee, Michigan 1 $ 175,000 $ 175,000 $ 60,000
Washtenaw, Michigan 1 $ 185,000 $ 185,000 $ 93,000
Carver, Minnesota 1 $ 235,000 $ 235,000 $ 104,000
Olmsted, Minnesota 1 $ 215,000 $ 215,000 $ 201,000
Sherburne, Minnesota 1 $ 185,000 $ 185,000 $ 72,000
St. Louis, Minnesota 1 $ 165,000 $ 165,000 $ 78,000
Stevens, Minnesota 1 $ 395,000 $ 395,000 $ 172,000
George, Mississippi 1 $ 335,000 $ 335,000 $ 164,000
Hancock, Mississippi 1 $ 215,000 $ 215,000 $ 0
Hinds, Mississippi 1 $ 185,000 $ 185,000 $ 52,000
Lafayette, Mississippi 1 $ 285,000 $ 285,000 $ 116,000
Lowndes, Mississippi 1 $ 285,000 $ 285,000 $ 182,000
Madison, Mississippi 1 $ 295,000 $ 295,000 $ 130,000
Oktibbeha, Mississippi 1 $ 195,000 $ 195,000 $ 90,000
Rankin, Mississippi 1 $ 375,000 $ 375,000 $ 91,000
Warren, Mississippi 1 $ 155,000 $ 155,000 $ 120,000
Bates, Missouri 1 $ 255,000 $ 255,000 $ 0
Buchanan, Missouri 1 $ 475,000 $ 475,000 $ 148,000
Cape Girardeau, Missouri 1 $ 295,000 $ 295,000 $ 53,000
Christian, Missouri 1 $ 225,000 $ 225,000 $ 135,000
Hickory, Missouri 1 $ 185,000 $ 185,000 $ 107,000
Jasper, Missouri 1 $ 125,000 $ 125,000 $ 145,000
Jefferson, Missouri 1 $ 455,000 $ 455,000 $ 212,000
Johnson, Missouri 1 $ 235,000 $ 235,000 $ 124,000
Laclede, Missouri 1 $ 205,000 $ 205,000 $ 0
Morgan, Missouri 1 $ 175,000 $ 175,000 $ 71,000
Stone, Missouri 1 $ 205,000 $ 205,000 $ 137,000
Texas, Missouri 1 $ 165,000 $ 165,000 $ 15,000
Vernon, Missouri 1 $ 305,000 $ 305,000 $ 53,000
Webster, Missouri 1 $ 175,000 $ 175,000 $ 72,000
Hunterdon, New Jersey 1 $ 595,000 $ 595,000 $ 186,000
Salem, New Jersey 1 $ 215,000 $ 215,000 $ 55,000
Sussex, New Jersey 1 $ 215,000 $ 215,000 $ 81,000
Alamance, North Carolina 1 $ 55,000 $ 55,000 $ 2,537,000
Beaufort, North Carolina 1 $ 115,000 $ 115,000 $ 35,000
Burke, North Carolina 1 $ 285,000 $ 285,000 $ 78,000
Carteret, North Carolina 1 $ 225,000 $ 225,000 $ 11,000
Cherokee, North Carolina 1 $ 165,000 $ 165,000 $ 122,000
Cumberland, North Carolina 1 $ 155,000 $ 155,000 $ 42,000
Franklin, North Carolina 1 $ 285,000 $ 285,000 $ 66,000
Granville, North Carolina 1 $ 185,000 $ 185,000 $ 65,000
Halifax, North Carolina 1 $ 195,000 $ 195,000 $ 68,000
Haywood, North Carolina 1 $ 165,000 $ 165,000 $ 76,000
Hyde, North Carolina 1 $ 295,000 $ 295,000 $ 111,000
Macon, North Carolina 1 $ 195,000 $ 195,000 $ 45,000
Northampton, North Carolina 1 $ 65,000 $ 65,000 $ 44,000
Pamlico, North Carolina 1 $ 485,000 $ 485,000 $ 99,000
Pitt, North Carolina 1 $ 415,000 $ 415,000 $ 91,000
Randolph, North Carolina 1 $ 175,000 $ 175,000 $ 132,000
Rutherford, North Carolina 1 $ 195,000 $ 195,000 $ 80,000
Sampson, North Carolina 1 $ 195,000 $ 195,000 $ 59,000
Scotland, North Carolina 1 $ 255,000 $ 255,000 $ 92,000
Yadkin, North Carolina 1 $ 265,000 $ 265,000 $ 273,000
Adams, Ohio 1 $ 115,000 $ 115,000 $ 83,000
Athens, Ohio 1 $ 185,000 $ 185,000 $ 54,000
Auglaize, Ohio 1 $ 425,000 $ 425,000 $ 74,000
Clinton, Ohio 1 $ 125,000 $ 125,000 $ 80,000
Knox, Ohio 1 $ 265,000 $ 265,000 $ 58,000
Lawrence, Ohio 1 $ 115,000 $ 115,000 $ 57,000
Licking, Ohio 1 $ 305,000 $ 305,000 $ 108,000
Madison, Ohio 1 $ 235,000 $ 235,000 $ 102,000
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Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2021

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 2,374 $629,550,000 $265,000 $6,005,000 $115,000 $4,357,000
Refinancing 2,270 $590,900,000 $260,000 $5,745,000 $127,000 $1,349,000
Cash-out Refinancing 2,034 $451,540,000 $221,000 $2,045,000 $112,000 $2,331,000
Other Purpose 806 $97,900,000 $121,000 $1,845,000 $135,000 $3,224,000
Home Improvement 500 $41,270,000 $82,000 $925,000 $136,000 $2,359,000
Not Applicable 10 $630,000 $63,000 $125,000 $27,000 $44,000

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 5,558 $1,177,550,000 $211,000 $2,255,000 $127,000 $4,357,000
Black or African American 775 $126,425,000 $163,000 $1,125,000 $74,000 $1,947,000
Not Provided 601 $142,745,000 $237,000 $1,445,000 $132,000 $2,537,000
Hispanic 368 $73,780,000 $200,000 $1,455,000 $86,000 $580,000
Not applicable 356 $204,970,000 $575,000 $6,005,000 $0 $0
Asian 204 $56,460,000 $276,000 $2,555,000 $150,000 $1,164,000
American Indian or Alaskan Native 37 $5,725,000 $154,000 $545,000 $87,000 $230,000
Native Hawaiian or Other Pacific Islander 5 $995,000 $199,000 $335,000 $86,000 $180,000

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) 7,635 $1,741,725,000 $228,000 $6,005,000 $124,000 $4,357,000
FHA-insured (Federal Housing Administration) 247 $44,455,000 $179,000 $515,000 $57,000 $280,000
VA-guaranteed (Veterans Administration) 89 $21,565,000 $242,000 $625,000 $81,000 $364,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 23 $4,045,000 $175,000 $285,000 $53,000 $90,000

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 4,887 $1,132,015,000 $231,000 $6,005,000 $125,000 $4,357,000
Application Withdrawn By Applicant 2,055 $475,285,000 $231,000 $5,745,000 $120,000 $3,224,000
Application Denied By Financial Institution 505 $99,055,000 $196,000 $3,485,000 $83,000 $1,947,000
File Closed For Incompleteness 410 $82,370,000 $200,000 $2,115,000 $131,000 $1,532,000
Loan Purchased By The Institution 70 $9,740,000 $139,000 $255,000 $33,000 $57,000
Application Approved But Not Accepted 67 $13,325,000 $198,000 $705,000 $124,000 $505,000
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 7,489 $1,712,735,000 $228,000 $6,005,000 $123,000 $4,357,000
Debt-To-Income Ratio 246 $43,740,000 $177,000 $2,045,000 $53,000 $264,000
Credit History 107 $14,655,000 $136,000 $1,285,000 $96,000 $1,220,000
Other 83 $24,055,000 $289,000 $1,405,000 $203,000 $1,947,000
Collateral 41 $10,885,000 $265,000 $3,485,000 $149,000 $1,441,000
Employment History 17 $2,685,000 $157,000 $345,000 $74,000 $253,000
Unverifiable Information 6 $2,280,000 $380,000 $1,505,000 $146,000 $494,000
Insufficient Cash (Downpayment, Closing Cost) 3 $535,000 $178,000 $235,000 $55,000 $61,000
Credit Application Incomplete 2 $220,000 $110,000 $195,000 $92,000 $134,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2021 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.
For a list of all lenders in Kentucky, download the full spreadsheet with aggregated HMDA statistics today.

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