Republic Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Republic Bank & Trust of Louisville, KY reported 5,737 mortgage applications totaling $1.2 billion, down 28% from 2021. The average application was for $215,658, and applicants reported an average income of $128,662. 58% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (3,048), Tampa-St. Petersburg-Clearwater, FL (671) and Lexington-Fayette, KY (489) (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 | 5,737 |
| Total Mortgage Loan Application Amount | $1,237,235,000 |
| Average Mortgage Loan Application Amount | $215,658 |
| Highest Mortgage Loan Application Amount | $21,885,000 |
| Average Applicant Income | $128,662 |
| Highest Applicant Income | $4,072,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,176 | $ 385,460,000 | $ 177,141 | $ 122,000 |
| Fayette, Kentucky | 351 | $ 103,555,000 | $ 295,028 | $ 145,000 |
| Pinellas, Florida | 291 | $ 70,025,000 | $ 240,635 | $ 126,000 |
| Hillsborough, Florida | 240 | $ 52,110,000 | $ 217,125 | $ 136,000 |
| Clark, Indiana | 185 | $ 24,415,000 | $ 131,972 | $ 94,000 |
| Oldham, Kentucky | 172 | $ 43,560,000 | $ 253,255 | $ 199,000 |
| Davidson, Tennessee | 153 | $ 39,115,000 | $ 255,653 | $ 181,000 |
| Floyd, Indiana | 152 | $ 22,370,000 | $ 147,171 | $ 139,000 |
| Bullitt, Kentucky | 144 | $ 18,890,000 | $ 131,180 | $ 88,000 |
| Shelby, Kentucky | 131 | $ 22,015,000 | $ 168,053 | $ 126,000 |
| Pasco, Florida | 127 | $ 20,715,000 | $ 163,110 | $ 110,000 |
| Hamilton, Ohio | 122 | $ 46,790,000 | $ 383,524 | $ 107,000 |
| Williamson, Tennessee | 84 | $ 24,770,000 | $ 294,880 | $ 215,000 |
| Kenton, Kentucky | 71 | $ 26,825,000 | $ 377,816 | $ 162,000 |
| Scott, Kentucky | 64 | $ 8,990,000 | $ 140,468 | $ 95,000 |
| Boone, Kentucky | 54 | $ 32,820,000 | $ 607,777 | $ 151,000 |
| Jessamine, Kentucky | 41 | $ 11,405,000 | $ 278,170 | $ 136,000 |
| Nelson, Kentucky | 33 | $ 5,575,000 | $ 168,939 | $ 113,000 |
| Spencer, Kentucky | 33 | $ 5,375,000 | $ 162,878 | $ 112,000 |
| Harrison, Indiana | 32 | $ 4,510,000 | $ 140,937 | $ 88,000 |
| Rutherford, Tennessee | 31 | $ 7,145,000 | $ 230,483 | $ 126,000 |
| Butler, Ohio | 29 | $ 4,255,000 | $ 146,724 | $ 105,000 |
| Campbell, Kentucky | 27 | $ 7,175,000 | $ 265,740 | $ 160,000 |
| Wilson, Tennessee | 21 | $ 2,925,000 | $ 139,285 | $ 152,000 |
| Clermont, Ohio | 19 | $ 5,035,000 | $ 265,000 | $ 122,000 |
| Polk, Florida | 18 | $ 3,230,000 | $ 179,444 | $ 96,000 |
| Madison, Kentucky | 18 | $ 3,970,000 | $ 220,555 | $ 106,000 |
| Palm Beach, Florida | 17 | $ 5,515,000 | $ 324,411 | $ 134,000 |
| Franklin, Kentucky | 17 | $ 6,745,000 | $ 396,764 | $ 83,000 |
| Warren, Ohio | 17 | $ 2,525,000 | $ 148,529 | $ 128,000 |
| Sumner, Tennessee | 16 | $ 3,170,000 | $ 198,125 | $ 139,000 |
| Hardin, Kentucky | 15 | $ 2,615,000 | $ 174,333 | $ 89,000 |
| Manatee, Florida | 14 | $ 2,750,000 | $ 196,428 | $ 121,000 |
| Henry, Kentucky | 14 | $ 2,030,000 | $ 145,000 | $ 87,000 |
| Hernando, Florida | 13 | $ 1,295,000 | $ 99,615 | $ 82,000 |
| Clark, Kentucky | 13 | $ 1,655,000 | $ 127,307 | $ 66,000 |
| Woodford, Kentucky | 12 | $ 2,490,000 | $ 207,500 | $ 92,000 |
| Philadelphia, Pennsylvania | 10 | $ 1,880,000 | $ 188,000 | $ 81,000 |
| Duval, Florida | 9 | $ 2,575,000 | $ 286,111 | $ 263,000 |
| Marion, Florida | 9 | $ 1,395,000 | $ 155,000 | $ 47,000 |
| Cook, Illinois | 9 | $ 2,775,000 | $ 308,333 | $ 92,000 |
| Washington, Indiana | 9 | $ 1,465,000 | $ 162,777 | $ 84,000 |
| Bourbon, Kentucky | 8 | $ 3,640,000 | $ 455,000 | $ 92,000 |
| Boyle, Kentucky | 8 | $ 950,000 | $ 118,750 | $ 64,000 |
| Daviess, Kentucky | 8 | $ 790,000 | $ 98,750 | $ 49,000 |
| Franklin, Ohio | 8 | $ 1,490,000 | $ 186,250 | $ 88,000 |
| Bucks, Pennsylvania | 8 | $ 1,960,000 | $ 245,000 | $ 84,000 |
| Cheatham, Tennessee | 8 | $ 1,180,000 | $ 147,500 | $ 99,000 |
| Miami-Dade, Florida | 7 | $ 1,735,000 | $ 247,857 | $ 81,000 |
| Orange, Florida | 7 | $ 2,515,000 | $ 359,285 | $ 154,000 |
| St. Johns, Florida | 7 | $ 2,605,000 | $ 372,142 | $ 248,000 |
| DeKalb, Georgia | 7 | $ 1,465,000 | $ 209,285 | $ 62,000 |
| Gwinnett, Georgia | 7 | $ 1,895,000 | $ 270,714 | $ 94,000 |
| Broward, Florida | 6 | $ 1,440,000 | $ 240,000 | $ 105,000 |
| Lee, Florida | 6 | $ 3,560,000 | $ 593,333 | $ 175,000 |
| Cobb, Georgia | 6 | $ 1,360,000 | $ 226,666 | $ 98,000 |
| Anderson, Kentucky | 6 | $ 860,000 | $ 143,333 | $ 122,000 |
| Breckinridge, Kentucky | 6 | $ 640,000 | $ 106,666 | $ 68,000 |
| Mercer, Kentucky | 6 | $ 1,290,000 | $ 215,000 | $ 122,000 |
| Montgomery, Kentucky | 6 | $ 2,800,000 | $ 466,666 | $ 110,000 |
| Essex, New Jersey | 6 | $ 1,420,000 | $ 236,666 | $ 70,000 |
| Maury, Tennessee | 6 | $ 1,300,000 | $ 216,666 | $ 440,000 |
| Charlotte, Florida | 5 | $ 1,635,000 | $ 327,000 | $ 99,000 |
| Collier, Florida | 5 | $ 1,895,000 | $ 379,000 | $ 150,000 |
| Sarasota, Florida | 5 | $ 1,645,000 | $ 329,000 | $ 83,000 |
| Jefferson, Indiana | 5 | $ 335,000 | $ 67,000 | $ 64,000 |
| Edmonson, Kentucky | 5 | $ 935,000 | $ 187,000 | $ 89,000 |
| Pulaski, Kentucky | 5 | $ 885,000 | $ 177,000 | $ 226,000 |
| Warren, Kentucky | 5 | $ 1,375,000 | $ 275,000 | $ 86,000 |
| Greene, Missouri | 5 | $ 1,875,000 | $ 375,000 | $ 161,000 |
| Wake, North Carolina | 5 | $ 1,335,000 | $ 267,000 | $ 83,000 |
| Delaware, Ohio | 5 | $ 1,755,000 | $ 351,000 | $ 306,000 |
| Montgomery, Ohio | 5 | $ 3,145,000 | $ 629,000 | $ 116,000 |
| Montgomery, Pennsylvania | 5 | $ 905,000 | $ 181,000 | $ 61,000 |
| Horry, South Carolina | 5 | $ 1,725,000 | $ 345,000 | $ 160,000 |
| Montgomery, Tennessee | 5 | $ 665,000 | $ 133,000 | $ 129,000 |
| Fairfax, Virginia | 5 | $ 1,795,000 | $ 359,000 | $ 186,000 |
| Prince William, Virginia | 5 | $ 1,265,000 | $ 253,000 | $ 66,000 |
| Fairfield, Connecticut | 4 | $ 1,290,000 | $ 322,500 | $ 122,000 |
| New Haven, Connecticut | 4 | $ 1,520,000 | $ 380,000 | $ 141,000 |
| Indian River, Florida | 4 | $ 1,580,000 | $ 395,000 | $ 316,000 |
| Leon, Florida | 4 | $ 860,000 | $ 215,000 | $ 141,000 |
| Okaloosa, Florida | 4 | $ 1,320,000 | $ 330,000 | $ 145,000 |
| Seminole, Florida | 4 | $ 440,000 | $ 110,000 | $ 99,000 |
| St. Lucie, Florida | 4 | $ 720,000 | $ 180,000 | $ 65,000 |
| Volusia, Florida | 4 | $ 1,000,000 | $ 250,000 | $ 97,000 |
| Walton, Florida | 4 | $ 5,090,000 | $ 1,272,500 | $ 975,000 |
| Chatham, Georgia | 4 | $ 680,000 | $ 170,000 | $ 78,000 |
| Fulton, Georgia | 4 | $ 820,000 | $ 205,000 | $ 119,000 |
| Hamilton, Indiana | 4 | $ 1,160,000 | $ 290,000 | $ 122,000 |
| Scott, Indiana | 4 | $ 440,000 | $ 110,000 | $ 91,000 |
| Barren, Kentucky | 4 | $ 720,000 | $ 180,000 | $ 122,000 |
| Garrard, Kentucky | 4 | $ 360,000 | $ 90,000 | $ 49,000 |
| Meade, Kentucky | 4 | $ 190,000 | $ 47,500 | $ 230,000 |
| Trimble, Kentucky | 4 | $ 390,000 | $ 97,500 | $ 130,000 |
| Macomb, Michigan | 4 | $ 460,000 | $ 115,000 | $ 39,000 |
| Camden, New Jersey | 4 | $ 670,000 | $ 167,500 | $ 87,000 |
| Middlesex, New Jersey | 4 | $ 790,000 | $ 197,500 | $ 215,000 |
| Lancaster, Pennsylvania | 4 | $ 770,000 | $ 192,500 | $ 81,000 |
| Lehigh, Pennsylvania | 4 | $ 900,000 | $ 225,000 | $ 106,000 |
| Robertson, Tennessee | 4 | $ 370,000 | $ 92,500 | $ 84,000 |
| Chesterfield, Virginia | 4 | $ 1,060,000 | $ 265,000 | $ 101,000 |
| Madison, Alabama | 3 | $ 725,000 | $ 241,666 | $ 246,000 |
| Bay, Florida | 3 | $ 4,435,000 | $ 1,478,333 | $ 890,000 |
| Brevard, Florida | 3 | $ 845,000 | $ 281,666 | $ 42,000 |
| Flagler, Florida | 3 | $ 1,865,000 | $ 621,666 | $ 410,000 |
| Lake, Florida | 3 | $ 655,000 | $ 218,333 | $ 141,000 |
| Sumter, Florida | 3 | $ 345,000 | $ 115,000 | $ 79,000 |
| Cherokee, Georgia | 3 | $ 1,695,000 | $ 565,000 | $ 153,000 |
| Clayton, Georgia | 3 | $ 555,000 | $ 185,000 | $ 87,000 |
| Forsyth, Georgia | 3 | $ 1,165,000 | $ 388,333 | $ 147,000 |
| Walton, Georgia | 3 | $ 615,000 | $ 205,000 | $ 51,000 |
| DuPage, Illinois | 3 | $ 1,105,000 | $ 368,333 | $ 154,000 |
| Vigo, Indiana | 3 | $ 235,000 | $ 78,333 | $ 81,000 |
| Bath, Kentucky | 3 | $ 255,000 | $ 85,000 | $ 34,000 |
| Gallatin, Kentucky | 3 | $ 395,000 | $ 131,666 | $ 128,000 |
| Grayson, Kentucky | 3 | $ 415,000 | $ 138,333 | $ 49,000 |
| Green, Kentucky | 3 | $ 545,000 | $ 181,666 | $ 70,000 |
| Harrison, Kentucky | 3 | $ 445,000 | $ 148,333 | $ 91,000 |
| Lincoln, Kentucky | 3 | $ 255,000 | $ 85,000 | $ 38,000 |
| McCracken, Kentucky | 3 | $ 515,000 | $ 171,666 | $ 74,000 |
| Oakland, Michigan | 3 | $ 615,000 | $ 205,000 | $ 82,000 |
| Anoka, Minnesota | 3 | $ 255,000 | $ 85,000 | $ 181,000 |
| Guilford, North Carolina | 3 | $ 1,145,000 | $ 381,666 | $ 256,000 |
| Cuyahoga, Ohio | 3 | $ 265,000 | $ 88,333 | $ 83,000 |
| Medina, Ohio | 3 | $ 695,000 | $ 231,666 | $ 154,000 |
| Summit, Ohio | 3 | $ 715,000 | $ 238,333 | $ 94,000 |
| Lackawanna, Pennsylvania | 3 | $ 535,000 | $ 178,333 | $ 88,000 |
| Monroe, Pennsylvania | 3 | $ 695,000 | $ 231,666 | $ 100,000 |
| Beaufort, South Carolina | 3 | $ 7,635,000 | $ 2,545,000 | $ 918,000 |
| Greenville, South Carolina | 3 | $ 775,000 | $ 258,333 | $ 107,000 |
| Sevier, Tennessee | 3 | $ 865,000 | $ 288,333 | $ 105,000 |
| Shelby, Tennessee | 3 | $ 425,000 | $ 141,666 | $ 181,000 |
| Chesapeake, Virginia | 3 | $ 585,000 | $ 195,000 | $ 66,000 |
| Loudoun, Virginia | 3 | $ 905,000 | $ 301,666 | $ 117,000 |
| Lee, Alabama | 2 | $ 280,000 | $ 140,000 | $ 153,000 |
| Mobile, Alabama | 2 | $ 220,000 | $ 110,000 | $ 50,000 |
| Riverside, California | 2 | $ 470,000 | $ 235,000 | $ 76,000 |
| San Bernardino, California | 2 | $ 730,000 | $ 365,000 | $ 102,000 |
| San Diego, California | 2 | $ 760,000 | $ 380,000 | $ 149,000 |
| District of Columbia, District Of Columbia | 2 | $ 920,000 | $ 460,000 | $ 164,000 |
| DeSoto, Florida | 2 | $ 120,000 | $ 60,000 | $ 23,000 |
| Osceola, Florida | 2 | $ 1,400,000 | $ 700,000 | $ 444,000 |
| Clarke, Georgia | 2 | $ 450,000 | $ 225,000 | $ 25,000 |
| Coweta, Georgia | 2 | $ 600,000 | $ 300,000 | $ 79,000 |
| Fayette, Georgia | 2 | $ 480,000 | $ 240,000 | $ 68,000 |
| Lee, Georgia | 2 | $ 350,000 | $ 175,000 | $ 50,000 |
| Lake, Indiana | 2 | $ 160,000 | $ 80,000 | $ 134,000 |
| Marion, Indiana | 2 | $ 420,000 | $ 210,000 | $ 81,000 |
| Carroll, Kentucky | 2 | $ 290,000 | $ 145,000 | $ 95,000 |
| Grant, Kentucky | 2 | $ 150,000 | $ 75,000 | $ 41,000 |
| Hart, Kentucky | 2 | $ 280,000 | $ 140,000 | $ 37,000 |
| Larue, Kentucky | 2 | $ 370,000 | $ 185,000 | $ 136,000 |
| Laurel, Kentucky | 2 | $ 220,000 | $ 110,000 | $ 112,000 |
| Muhlenberg, Kentucky | 2 | $ 200,000 | $ 100,000 | $ 121,000 |
| Lafayette, Louisiana | 2 | $ 290,000 | $ 145,000 | $ 48,000 |
| Kandiyohi, Minnesota | 2 | $ 620,000 | $ 310,000 | $ 74,000 |
| Cedar, Missouri | 2 | $ 200,000 | $ 100,000 | $ 28,000 |
| Christian, Missouri | 2 | $ 270,000 | $ 135,000 | $ 34,000 |
| Jackson, Missouri | 2 | $ 260,000 | $ 130,000 | $ 24,000 |
| Burlington, New Jersey | 2 | $ 260,000 | $ 130,000 | $ 158,000 |
| Morris, New Jersey | 2 | $ 540,000 | $ 270,000 | $ 87,000 |
| Brunswick, North Carolina | 2 | $ 260,000 | $ 130,000 | $ 34,000 |
| Buncombe, North Carolina | 2 | $ 530,000 | $ 265,000 | $ 91,000 |
| Hoke, North Carolina | 2 | $ 210,000 | $ 105,000 | $ 157,000 |
| Iredell, North Carolina | 2 | $ 460,000 | $ 230,000 | $ 177,000 |
| Fairfield, Ohio | 2 | $ 540,000 | $ 270,000 | $ 107,000 |
| Ottawa, Ohio | 2 | $ 340,000 | $ 170,000 | $ 78,000 |
| Pickaway, Ohio | 2 | $ 310,000 | $ 155,000 | $ 149,000 |
| Cumberland, Pennsylvania | 2 | $ 550,000 | $ 275,000 | $ 58,000 |
| Dauphin, Pennsylvania | 2 | $ 1,050,000 | $ 525,000 | $ 246,000 |
| Lawrence, Pennsylvania | 2 | $ 350,000 | $ 175,000 | $ 138,000 |
| Northampton, Pennsylvania | 2 | $ 400,000 | $ 200,000 | $ 114,000 |
| York, Pennsylvania | 2 | $ 330,000 | $ 165,000 | $ 27,000 |
| Lexington, South Carolina | 2 | $ 230,000 | $ 115,000 | $ 46,000 |
| Dickson, Tennessee | 2 | $ 720,000 | $ 360,000 | $ 124,000 |
| Hamilton, Tennessee | 2 | $ 780,000 | $ 390,000 | $ 240,000 |
| Jefferson, Tennessee | 2 | $ 260,000 | $ 130,000 | $ 38,000 |
| Knox, Tennessee | 2 | $ 660,000 | $ 330,000 | $ 199,000 |
| Smith, Tennessee | 2 | $ 170,000 | $ 85,000 | $ 171,000 |
| Augusta, Virginia | 2 | $ 710,000 | $ 355,000 | $ 241,000 |
| Hanover, Virginia | 2 | $ 370,000 | $ 185,000 | $ 77,000 |
| James City, Virginia | 2 | $ 630,000 | $ 315,000 | $ 107,000 |
| Roanoke, Virginia | 2 | $ 380,000 | $ 190,000 | $ 94,000 |
| Roanoke City, Virginia | 2 | $ 200,000 | $ 100,000 | $ 81,000 |
| Rockingham, Virginia | 2 | $ 430,000 | $ 215,000 | $ 60,000 |
| Baldwin, Alabama | 1 | $ 235,000 | $ 235,000 | $ 108,000 |
| Blount, Alabama | 1 | $ 175,000 | $ 175,000 | $ 44,000 |
| Calhoun, Alabama | 1 | $ 155,000 | $ 155,000 | $ 102,000 |
| Cullman, Alabama | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Houston, Alabama | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Jefferson, Alabama | 1 | $ 65,000 | $ 65,000 | $ 239,000 |
| Limestone, Alabama | 1 | $ 255,000 | $ 255,000 | $ 45,000 |
| Montgomery, Alabama | 1 | $ 335,000 | $ 335,000 | $ 123,000 |
| Shelby, Alabama | 1 | $ 435,000 | $ 435,000 | $ 180,000 |
| Tuscaloosa, Alabama | 1 | $ 195,000 | $ 195,000 | $ 78,000 |
| Benton, Arkansas | 1 | $ 575,000 | $ 575,000 | $ 474,000 |
| Fresno, California | 1 | $ 275,000 | $ 275,000 | $ 47,000 |
| Kern, California | 1 | $ 275,000 | $ 275,000 | $ 200,000 |
| Los Angeles, California | 1 | $ 345,000 | $ 345,000 | $ 23,000 |
| Merced, California | 1 | $ 225,000 | $ 225,000 | $ 369,000 |
| Orange, California | 1 | $ 955,000 | $ 955,000 | $ 216,000 |
| San Francisco, California | 1 | $ 255,000 | $ 255,000 | $ 85,000 |
| Santa Clara, California | 1 | $ 515,000 | $ 515,000 | $ 621,000 |
| Ventura, California | 1 | $ 745,000 | $ 745,000 | $ 148,000 |
| Arapahoe, Colorado | 1 | $ 415,000 | $ 415,000 | $ 100,000 |
| Larimer, Colorado | 1 | $ 565,000 | $ 565,000 | $ 274,000 |
| Park, Colorado | 1 | $ 545,000 | $ 545,000 | $ 191,000 |
| Routt, Colorado | 1 | $ 625,000 | $ 625,000 | $ 600,000 |
| Summit, Colorado | 1 | $ 355,000 | $ 355,000 | $ 586,000 |
| Alachua, Florida | 1 | $ 205,000 | $ 205,000 | $ 123,000 |
| Citrus, Florida | 1 | $ 105,000 | $ 105,000 | $ 129,000 |
| Escambia, Florida | 1 | $ 325,000 | $ 325,000 | $ 75,000 |
| Gilchrist, Florida | 1 | $ 335,000 | $ 335,000 | $ 173,000 |
| Gulf, Florida | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Martin, Florida | 1 | $ 195,000 | $ 195,000 | $ 33,000 |
| Nassau, Florida | 1 | $ 645,000 | $ 645,000 | $ 131,000 |
| Santa Rosa, Florida | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| Washington, Florida | 1 | $ 65,000 | $ 65,000 | $ 89,000 |
| Banks, Georgia | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| Bartow, Georgia | 1 | $ 285,000 | $ 285,000 | $ 130,000 |
| Burke, Georgia | 1 | $ 305,000 | $ 305,000 | $ 40,000 |
| Carroll, Georgia | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Effingham, Georgia | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| Floyd, Georgia | 1 | $ 245,000 | $ 245,000 | $ 96,000 |
| Gordon, Georgia | 1 | $ 165,000 | $ 165,000 | $ 94,000 |
| Henry, Georgia | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Madison, Georgia | 1 | $ 215,000 | $ 215,000 | $ 51,000 |
| Meriwether, Georgia | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| Newton, Georgia | 1 | $ 265,000 | $ 265,000 | $ 92,000 |
| Paulding, Georgia | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Spalding, Georgia | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Union, Georgia | 1 | $ 255,000 | $ 255,000 | $ 232,000 |
| Whitfield, Georgia | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Kane, Illinois | 1 | $ 435,000 | $ 435,000 | $ 164,000 |
| Bartholomew, Indiana | 1 | $ 255,000 | $ 255,000 | $ 108,000 |
| Crawford, Indiana | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Dearborn, Indiana | 1 | $ 185,000 | $ 185,000 | $ 35,000 |
| Delaware, Indiana | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Hancock, Indiana | 1 | $ 75,000 | $ 75,000 | $ 78,000 |
| Jackson, Indiana | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
| Johnson, Indiana | 1 | $ 165,000 | $ 165,000 | $ 31,000 |
| LaGrange, Indiana | 1 | $ 225,000 | $ 225,000 | $ 113,000 |
| Lawrence, Indiana | 1 | $ 15,000 | $ 15,000 | $ 112,000 |
| Madison, Indiana | 1 | $ 285,000 | $ 285,000 | $ 95,000 |
| Orange, Indiana | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Posey, Indiana | 1 | $ 235,000 | $ 235,000 | $ 84,000 |
| Ripley, Indiana | 1 | $ 85,000 | $ 85,000 | $ 120,000 |
| Spencer, Indiana | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| St. Joseph, Indiana | 1 | $ 215,000 | $ 215,000 | $ 28,000 |
| Vanderburgh, Indiana | 1 | $ 45,000 | $ 45,000 | $ 19,000 |
| Warrick, Indiana | 1 | $ 235,000 | $ 235,000 | $ 129,000 |
| Allen, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| Caldwell, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 80,000 |
| Casey, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 44,000 |
| Christian, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Greenup, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Henderson, Kentucky | 1 | $ 455,000 | $ 455,000 | $ 111,000 |
| Jackson, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Lewis, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 150,000 |
| Logan, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 30,000 |
| Lyon, Kentucky | 1 | $ 395,000 | $ 395,000 | $ 121,000 |
| Ohio, Kentucky | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| Pendleton, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Perry, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Rowan, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| Taylor, Kentucky | 1 | $ 555,000 | $ 555,000 | $ 668,000 |
| Trigg, Kentucky | 1 | $ 325,000 | $ 325,000 | $ 177,000 |
| Washington, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 29,000 |
| Wayne, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 99,000 |
| Whitley, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Wolfe, Kentucky | 1 | $ 235,000 | $ 235,000 | $ 193,000 |
| Bossier, Louisiana | 1 | $ 255,000 | $ 255,000 | $ 159,000 |
| Pointe Coupee, Louisiana | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| St. Tammany, Louisiana | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| Terrebonne, Louisiana | 1 | $ 25,000 | $ 25,000 | $ 18,000 |
| Vermilion, Louisiana | 1 | $ 25,000 | $ 25,000 | $ 13,000 |
| Livingston, Michigan | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| Washtenaw, Michigan | 1 | $ 305,000 | $ 305,000 | $ 192,000 |
| Wayne, Michigan | 1 | $ 235,000 | $ 235,000 | $ 120,000 |
| Chisago, Minnesota | 1 | $ 195,000 | $ 195,000 | $ 52,000 |
| Dakota, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 85,000 |
| Hennepin, Minnesota | 1 | $ 195,000 | $ 195,000 | $ 33,000 |
| Isanti, Minnesota | 1 | $ 455,000 | $ 455,000 | $ 132,000 |
| Ramsey, Minnesota | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Rice, Minnesota | 1 | $ 265,000 | $ 265,000 | $ 105,000 |
| Scott, Minnesota | 1 | $ 225,000 | $ 225,000 | $ 96,000 |
| Wabasha, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 96,000 |
| Hinds, Mississippi | 1 | $ 395,000 | $ 395,000 | $ 99,000 |
| Madison, Mississippi | 1 | $ 495,000 | $ 495,000 | $ 218,000 |
| Callaway, Missouri | 1 | $ 205,000 | $ 205,000 | $ 139,000 |
| Camden, Missouri | 1 | $ 175,000 | $ 175,000 | $ 97,000 |
| Holt, Missouri | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Jefferson, Missouri | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Morgan, Missouri | 1 | $ 275,000 | $ 275,000 | $ 311,000 |
| St. Louis, Missouri | 1 | $ 255,000 | $ 255,000 | $ 530,000 |
| Bergen, New Jersey | 1 | $ 285,000 | $ 285,000 | $ 177,000 |
| Gloucester, New Jersey | 1 | $ 215,000 | $ 215,000 | $ 146,000 |
| Hudson, New Jersey | 1 | $ 195,000 | $ 195,000 | $ 92,000 |
| Mercer, New Jersey | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Ocean, New Jersey | 1 | $ 285,000 | $ 285,000 | $ 90,000 |
| Passaic, New Jersey | 1 | $ 175,000 | $ 175,000 | $ 35,000 |
| Somerset, New Jersey | 1 | $ 305,000 | $ 305,000 | $ 90,000 |
| Sussex, New Jersey | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| Union, New Jersey | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Washington, New York | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,496,000 |
| Cherokee, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 83,000 |
| Cumberland, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Currituck, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 142,000 |
| Forsyth, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Franklin, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 84,000 |
| Gaston, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 68,000 |
| Haywood, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Henderson, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Mecklenburg, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 89,000 |
| Moore, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 137,000 |
| Randolph, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 125,000 |
| Rockingham, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 66,000 |
| Surry, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 107,000 |
| Transylvania, North Carolina | 1 | $ 395,000 | $ 395,000 | $ 183,000 |
| Union, North Carolina | 1 | $ 565,000 | $ 565,000 | $ 216,000 |
| Wayne, North Carolina | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Adams, Ohio | 1 | $ 45,000 | $ 45,000 | $ 81,000 |
| Allen, Ohio | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Athens, Ohio | 1 | $ 205,000 | $ 205,000 | $ 123,000 |
| Brown, Ohio | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| Champaign, Ohio | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Clark, Ohio | 1 | $ 165,000 | $ 165,000 | $ 93,000 |
| Clinton, Ohio | 1 | $ 65,000 | $ 65,000 | $ 192,000 |
| Columbiana, Ohio | 1 | $ 205,000 | $ 205,000 | $ 430,000 |
| Greene, Ohio | 1 | $ 3,555,000 | $ 3,555,000 | $ 0 |
| Henry, Ohio | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Highland, Ohio | 1 | $ 2,735,000 | $ 2,735,000 | $ 0 |
| Hocking, Ohio | 1 | $ 95,000 | $ 95,000 | $ 275,000 |
| Licking, Ohio | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| Lucas, Ohio | 1 | $ 275,000 | $ 275,000 | $ 28,000 |
| Madison, Ohio | 1 | $ 225,000 | $ 225,000 | $ 103,000 |
| Morrow, Ohio | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Portage, Ohio | 1 | $ 225,000 | $ 225,000 | $ 39,000 |
| Tuscarawas, Ohio | 1 | $ 205,000 | $ 205,000 | $ 94,000 |
| Union, Ohio | 1 | $ 475,000 | $ 475,000 | $ 104,000 |
| Wood, Ohio | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Allegheny, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 69,000 |
| Beaver, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 211,000 |
| Chester, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Delaware, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Erie, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 165,000 |
| Franklin, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 25,000 |
| Union, Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 205,000 |
| Washington, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Anderson, South Carolina | 1 | $ 245,000 | $ 245,000 | $ 97,000 |
| Charleston, South Carolina | 1 | $ 225,000 | $ 225,000 | $ 100,000 |
| Cherokee, South Carolina | 1 | $ 265,000 | $ 265,000 | $ 80,000 |
| Dorchester, South Carolina | 1 | $ 275,000 | $ 275,000 | $ 180,000 |
| Greenwood, South Carolina | 1 | $ 65,000 | $ 65,000 | $ 124,000 |
| Lancaster, South Carolina | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Richland, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Spartanburg, South Carolina | 1 | $ 285,000 | $ 285,000 | $ 59,000 |
| Sumter, South Carolina | 1 | $ 115,000 | $ 115,000 | $ 175,000 |
| Bedford, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
| Blount, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 46,000 |
| Campbell, Tennessee | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Henderson, Tennessee | 1 | $ 425,000 | $ 425,000 | $ 107,000 |
| Hickman, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Humphreys, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 39,000 |
| Lewis, Tennessee | 1 | $ 545,000 | $ 545,000 | $ 293,000 |
| Marshall, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| Overton, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 40,000 |
| Pickett, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 232,000 |
| Putnam, Tennessee | 1 | $ 345,000 | $ 345,000 | $ 127,000 |
| Stewart, Tennessee | 1 | $ 525,000 | $ 525,000 | $ 130,000 |
| Trousdale, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Warren, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Albemarle, Virginia | 1 | $ 215,000 | $ 215,000 | $ 114,000 |
| Alexandria, Virginia | 1 | $ 175,000 | $ 175,000 | $ 43,000 |
| Charlottesville, Virginia | 1 | $ 265,000 | $ 265,000 | $ 88,000 |
| Fluvanna, Virginia | 1 | $ 315,000 | $ 315,000 | $ 135,000 |
| Henrico, Virginia | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Lancaster, Virginia | 1 | $ 185,000 | $ 185,000 | $ 188,000 |
| Nelson, Virginia | 1 | $ 145,000 | $ 145,000 | $ 238,000 |
| Norfolk, Virginia | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Portsmouth, Virginia | 1 | $ 125,000 | $ 125,000 | $ 23,000 |
| Scott, Virginia | 1 | $ 185,000 | $ 185,000 | $ 150,000 |
| York, Virginia | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| King, Washington | 1 | $ 505,000 | $ 505,000 | $ 339,000 |
| Snohomish, Washington | 1 | $ 305,000 | $ 305,000 | $ 260,000 |
| Spokane, Washington | 1 | $ 365,000 | $ 365,000 | $ 107,000 |
| Ohio, West Virginia | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Dane, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
| La Crosse, Wisconsin | 1 | $ 335,000 | $ 335,000 | $ 117,000 |
| Lincoln, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Milwaukee, Wisconsin | 1 | $ 595,000 | $ 595,000 | $ 225,000 |
| Oneida, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 209,000 |
| Outagamie, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 120,000 |
| Walworth, Wisconsin | 1 | $ 555,000 | $ 555,000 | $ 250,000 |
| Waukesha, Wisconsin | 1 | $ 465,000 | $ 465,000 | $ 260,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2022
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 | 1,981 | $599,215,000 | $302,000 | $21,885,000 | $132,000 | $3,250,000 |
| Other Purpose | 1,408 | $150,510,000 | $106,000 | $1,505,000 | $133,000 | $4,072,000 |
| Cash-out Refinancing | 1,148 | $248,660,000 | $216,000 | $2,885,000 | $125,000 | $1,496,000 |
| Home Improvement | 803 | $78,765,000 | $98,000 | $1,005,000 | $121,000 | $923,000 |
| Refinancing | 388 | $159,890,000 | $412,000 | $17,005,000 | $125,000 | $1,740,000 |
| Not Applicable | 9 | $195,000 | $21,000 | $65,000 | $24,000 | $35,000 |
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 | 3,827 | $742,545,000 | $194,000 | $3,355,000 | $141,000 | $4,072,000 |
| Black or African American | 656 | $94,380,000 | $143,000 | $2,005,000 | $81,000 | $2,140,000 |
| Not Provided | 504 | $92,720,000 | $183,000 | $3,205,000 | $115,000 | $1,700,000 |
| Hispanic | 317 | $46,215,000 | $145,000 | $695,000 | $79,000 | $490,000 |
| Not applicable | 248 | $213,310,000 | $860,000 | $21,885,000 | $0 | $0 |
| Asian | 122 | $34,900,000 | $286,000 | $1,205,000 | $168,000 | $951,000 |
| American Indian or Alaskan Native | 22 | $2,930,000 | $133,000 | $415,000 | $131,000 | $546,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,065,000 | $152,000 | $305,000 | $82,000 | $156,000 |
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) | 5,493 | $1,182,995,000 | $215,000 | $21,885,000 | $131,000 | $4,072,000 |
| FHA-insured (Federal Housing Administration) | 185 | $37,885,000 | $204,000 | $745,000 | $68,000 | $251,000 |
| VA-guaranteed (Veterans Administration) | 47 | $14,315,000 | $304,000 | $945,000 | $94,000 | $297,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $2,040,000 | $170,000 | $215,000 | $57,000 | $100,000 |
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 | 3,348 | $777,250,000 | $232,000 | $21,885,000 | $146,000 | $4,072,000 |
| Application Withdrawn By Applicant | 1,577 | $311,975,000 | $197,000 | $6,745,000 | $111,000 | $1,740,000 |
| Application Denied By Financial Institution | 404 | $74,550,000 | $184,000 | $3,025,000 | $76,000 | $505,000 |
| File Closed For Incompleteness | 285 | $54,005,000 | $189,000 | $1,755,000 | $123,000 | $900,000 |
| Loan Purchased By The Institution | 81 | $10,615,000 | $131,000 | $345,000 | $36,000 | $78,000 |
| Application Approved But Not Accepted | 42 | $8,840,000 | $210,000 | $1,315,000 | $151,000 | $1,249,000 |
| 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 | 5,333 | $1,162,685,000 | $218,000 | $21,885,000 | $132,000 | $4,072,000 |
| Debt-To-Income Ratio | 208 | $32,770,000 | $157,000 | $1,405,000 | $65,000 | $379,000 |
| Credit History | 79 | $6,455,000 | $81,000 | $385,000 | $84,000 | $317,000 |
| Other | 69 | $29,505,000 | $427,000 | $3,025,000 | $126,000 | $505,000 |
| Employment History | 22 | $1,690,000 | $76,000 | $245,000 | $71,000 | $177,000 |
| Collateral | 20 | $3,130,000 | $156,000 | $385,000 | $111,000 | $295,000 |
| Unverifiable Information | 3 | $685,000 | $228,000 | $385,000 | $59,000 | $177,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $315,000 | $105,000 | $135,000 | $62,000 | $109,000 |
| 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 2022 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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