Republic Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Republic Bank & Trust of Louisville, KY reported 4,875 mortgage applications totaling $1.1 billion, down 15% from 2022. The average application was for $231,689, and applicants reported an average income of $136,574. 57% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (2,249), Tampa-St. Petersburg-Clearwater, FL (773) and Nashville-Davidson--Murfreesboro--Franklin, TN (447) (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 | 4,875 |
| Total Mortgage Loan Application Amount | $1,129,485,000 |
| Average Mortgage Loan Application Amount | $231,689 |
| Highest Mortgage Loan Application Amount | $37,705,000 |
| Average Applicant Income | $136,574 |
| Highest Applicant Income | $3,500,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,540 | $ 300,650,000 | $ 195,227 | $ 124,000 |
| Fayette, Kentucky | 314 | $ 71,640,000 | $ 228,152 | $ 131,000 |
| Hillsborough, Florida | 312 | $ 53,930,000 | $ 172,852 | $ 145,000 |
| Pinellas, Florida | 275 | $ 54,805,000 | $ 199,290 | $ 144,000 |
| Clark, Indiana | 196 | $ 64,080,000 | $ 326,938 | $ 100,000 |
| Davidson, Tennessee | 181 | $ 39,435,000 | $ 217,872 | $ 141,000 |
| Hamilton, Ohio | 160 | $ 53,160,000 | $ 332,250 | $ 193,000 |
| Pasco, Florida | 148 | $ 21,150,000 | $ 142,905 | $ 111,000 |
| Oldham, Kentucky | 137 | $ 30,525,000 | $ 222,810 | $ 180,000 |
| Bullitt, Kentucky | 128 | $ 13,270,000 | $ 103,671 | $ 84,000 |
| Floyd, Indiana | 99 | $ 15,065,000 | $ 152,171 | $ 119,000 |
| Shelby, Kentucky | 83 | $ 11,705,000 | $ 141,024 | $ 110,000 |
| Williamson, Tennessee | 80 | $ 25,580,000 | $ 319,750 | $ 211,000 |
| Kenton, Kentucky | 77 | $ 18,475,000 | $ 239,935 | $ 181,000 |
| Rutherford, Tennessee | 73 | $ 11,005,000 | $ 150,753 | $ 131,000 |
| Scott, Kentucky | 59 | $ 10,225,000 | $ 173,305 | $ 100,000 |
| Butler, Ohio | 51 | $ 5,565,000 | $ 109,117 | $ 111,000 |
| Boone, Kentucky | 49 | $ 10,485,000 | $ 213,979 | $ 126,000 |
| Campbell, Kentucky | 43 | $ 8,465,000 | $ 196,860 | $ 169,000 |
| Hernando, Florida | 38 | $ 3,380,000 | $ 88,947 | $ 103,000 |
| Spencer, Kentucky | 36 | $ 5,730,000 | $ 159,166 | $ 135,000 |
| Wilson, Tennessee | 32 | $ 3,870,000 | $ 120,937 | $ 125,000 |
| Sumner, Tennessee | 30 | $ 3,990,000 | $ 133,000 | $ 149,000 |
| Madison, Kentucky | 29 | $ 12,005,000 | $ 413,965 | $ 146,000 |
| Clermont, Ohio | 28 | $ 10,200,000 | $ 364,285 | $ 168,000 |
| Warren, Ohio | 25 | $ 6,265,000 | $ 250,600 | $ 265,000 |
| Maury, Tennessee | 24 | $ 2,770,000 | $ 115,416 | $ 69,000 |
| Jessamine, Kentucky | 21 | $ 9,215,000 | $ 438,809 | $ 187,000 |
| Nelson, Kentucky | 19 | $ 2,185,000 | $ 115,000 | $ 104,000 |
| Alameda, California | 18 | $ 18,750,000 | $ 1,041,666 | $ 127,000 |
| Harrison, Indiana | 17 | $ 1,815,000 | $ 106,764 | $ 99,000 |
| Woodford, Kentucky | 16 | $ 3,540,000 | $ 221,250 | $ 139,000 |
| Robertson, Tennessee | 16 | $ 1,500,000 | $ 93,750 | $ 106,000 |
| Manatee, Florida | 15 | $ 4,095,000 | $ 273,000 | $ 221,000 |
| Los Angeles, California | 14 | $ 13,190,000 | $ 942,142 | $ 0 |
| Franklin, Kentucky | 13 | $ 1,875,000 | $ 144,230 | $ 117,000 |
| Hardin, Kentucky | 13 | $ 37,255,000 | $ 2,865,769 | $ 84,000 |
| Polk, Florida | 12 | $ 1,440,000 | $ 120,000 | $ 111,000 |
| Sarasota, Florida | 12 | $ 5,510,000 | $ 459,166 | $ 293,000 |
| Cook, Illinois | 12 | $ 5,960,000 | $ 496,666 | $ 0 |
| Henry, Kentucky | 12 | $ 1,490,000 | $ 124,166 | $ 64,000 |
| Franklin, Ohio | 11 | $ 1,335,000 | $ 121,363 | $ 127,000 |
| Meade, Kentucky | 10 | $ 940,000 | $ 94,000 | $ 77,000 |
| Santa Clara, California | 9 | $ 8,695,000 | $ 966,111 | $ 0 |
| Clark, Kentucky | 9 | $ 1,655,000 | $ 183,888 | $ 71,000 |
| Anderson, Kentucky | 8 | $ 1,490,000 | $ 186,250 | $ 95,000 |
| Harrison, Kentucky | 8 | $ 820,000 | $ 102,500 | $ 97,000 |
| Montgomery, Tennessee | 8 | $ 640,000 | $ 80,000 | $ 86,000 |
| Broward, Florida | 7 | $ 2,615,000 | $ 373,571 | $ 131,000 |
| Miami-Dade, Florida | 7 | $ 2,125,000 | $ 303,571 | $ 235,000 |
| Bourbon, Kentucky | 7 | $ 995,000 | $ 142,142 | $ 85,000 |
| Contra Costa, California | 6 | $ 5,480,000 | $ 913,333 | $ 0 |
| Orange, California | 6 | $ 6,830,000 | $ 1,138,333 | $ 0 |
| Collier, Florida | 6 | $ 5,250,000 | $ 875,000 | $ 892,000 |
| San Diego, California | 5 | $ 4,455,000 | $ 891,000 | $ 0 |
| Marion, Florida | 5 | $ 1,815,000 | $ 363,000 | $ 214,000 |
| Palm Beach, Florida | 5 | $ 925,000 | $ 185,000 | $ 84,000 |
| Boyle, Kentucky | 5 | $ 1,045,000 | $ 209,000 | $ 60,000 |
| Greene, Ohio | 5 | $ 1,095,000 | $ 219,000 | $ 134,000 |
| Dickson, Tennessee | 5 | $ 335,000 | $ 67,000 | $ 72,000 |
| King, Washington | 5 | $ 5,845,000 | $ 1,169,000 | $ 0 |
| Sonoma, California | 4 | $ 3,800,000 | $ 950,000 | $ 0 |
| Charlotte, Florida | 4 | $ 540,000 | $ 135,000 | $ 155,000 |
| Lee, Florida | 4 | $ 800,000 | $ 200,000 | $ 108,000 |
| Sumter, Florida | 4 | $ 1,710,000 | $ 427,500 | $ 214,000 |
| Walton, Florida | 4 | $ 4,640,000 | $ 1,160,000 | $ 590,000 |
| DeKalb, Georgia | 4 | $ 1,050,000 | $ 262,500 | $ 82,000 |
| Lake, Illinois | 4 | $ 2,480,000 | $ 620,000 | $ 0 |
| Hamilton, Indiana | 4 | $ 770,000 | $ 192,500 | $ 457,000 |
| Jefferson, Indiana | 4 | $ 220,000 | $ 55,000 | $ 77,000 |
| Scott, Indiana | 4 | $ 630,000 | $ 157,500 | $ 116,000 |
| Montgomery, Ohio | 4 | $ 180,000 | $ 45,000 | $ 55,000 |
| Cheatham, Tennessee | 4 | $ 370,000 | $ 92,500 | $ 103,000 |
| Marin, California | 3 | $ 2,875,000 | $ 958,333 | $ 0 |
| San Mateo, California | 3 | $ 2,965,000 | $ 988,333 | $ 0 |
| Santa Cruz, California | 3 | $ 2,795,000 | $ 931,666 | $ 0 |
| Duval, Florida | 3 | $ 895,000 | $ 298,333 | $ 68,000 |
| Orange, Florida | 3 | $ 1,095,000 | $ 365,000 | $ 150,000 |
| Osceola, Florida | 3 | $ 435,000 | $ 145,000 | $ 82,000 |
| Seminole, Florida | 3 | $ 885,000 | $ 295,000 | $ 83,000 |
| Volusia, Florida | 3 | $ 785,000 | $ 261,666 | $ 98,000 |
| Fulton, Georgia | 3 | $ 1,645,000 | $ 548,333 | $ 360,000 |
| DuPage, Illinois | 3 | $ 1,095,000 | $ 365,000 | $ 53,000 |
| Dearborn, Indiana | 3 | $ 305,000 | $ 101,666 | $ 177,000 |
| Breckinridge, Kentucky | 3 | $ 355,000 | $ 118,333 | $ 117,000 |
| Warren, Kentucky | 3 | $ 925,000 | $ 308,333 | $ 247,000 |
| Wake, North Carolina | 3 | $ 1,825,000 | $ 608,333 | $ 247,000 |
| Brown, Ohio | 3 | $ 555,000 | $ 185,000 | $ 61,000 |
| Delaware, Ohio | 3 | $ 915,000 | $ 305,000 | $ 226,000 |
| Lorain, Ohio | 3 | $ 1,335,000 | $ 445,000 | $ 211,000 |
| Campbell, Tennessee | 3 | $ 2,545,000 | $ 848,333 | $ 877,000 |
| Hamilton, Tennessee | 3 | $ 1,015,000 | $ 338,333 | $ 171,000 |
| Marshall, Tennessee | 3 | $ 385,000 | $ 128,333 | $ 127,000 |
| Baldwin, Alabama | 2 | $ 1,290,000 | $ 645,000 | $ 437,000 |
| Napa, California | 2 | $ 1,460,000 | $ 730,000 | $ 0 |
| Placer, California | 2 | $ 990,000 | $ 495,000 | $ 0 |
| Riverside, California | 2 | $ 2,020,000 | $ 1,010,000 | $ 0 |
| Sacramento, California | 2 | $ 1,900,000 | $ 950,000 | $ 0 |
| San Bernardino, California | 2 | $ 660,000 | $ 330,000 | $ 0 |
| Citrus, Florida | 2 | $ 520,000 | $ 260,000 | $ 178,000 |
| Indian River, Florida | 2 | $ 1,020,000 | $ 510,000 | $ 428,000 |
| Leon, Florida | 2 | $ 600,000 | $ 300,000 | $ 126,000 |
| St. Johns, Florida | 2 | $ 450,000 | $ 225,000 | $ 77,000 |
| St. Lucie, Florida | 2 | $ 500,000 | $ 250,000 | $ 331,000 |
| Cobb, Georgia | 2 | $ 700,000 | $ 350,000 | $ 103,000 |
| Hall, Georgia | 2 | $ 1,350,000 | $ 675,000 | $ 68,000 |
| Crawford, Indiana | 2 | $ 440,000 | $ 220,000 | $ 107,000 |
| Gallatin, Kentucky | 2 | $ 310,000 | $ 155,000 | $ 154,000 |
| Garrard, Kentucky | 2 | $ 380,000 | $ 190,000 | $ 69,000 |
| Grant, Kentucky | 2 | $ 580,000 | $ 290,000 | $ 138,000 |
| Jackson, Kentucky | 2 | $ 160,000 | $ 80,000 | $ 262,000 |
| McCracken, Kentucky | 2 | $ 130,000 | $ 65,000 | $ 73,000 |
| Mercer, Kentucky | 2 | $ 500,000 | $ 250,000 | $ 66,000 |
| Montgomery, Kentucky | 2 | $ 130,000 | $ 65,000 | $ 95,000 |
| Pulaski, Kentucky | 2 | $ 270,000 | $ 135,000 | $ 164,000 |
| Russell, Kentucky | 2 | $ 350,000 | $ 175,000 | $ 301,000 |
| Berrien, Michigan | 2 | $ 830,000 | $ 415,000 | $ 0 |
| Iredell, North Carolina | 2 | $ 620,000 | $ 310,000 | $ 114,000 |
| Cuyahoga, Ohio | 2 | $ 180,000 | $ 90,000 | $ 56,000 |
| Hancock, Ohio | 2 | $ 340,000 | $ 170,000 | $ 91,000 |
| Highland, Ohio | 2 | $ 190,000 | $ 95,000 | $ 214,000 |
| Lake, Ohio | 2 | $ 540,000 | $ 270,000 | $ 149,000 |
| Miami, Ohio | 2 | $ 940,000 | $ 470,000 | $ 301,000 |
| Trumbull, Ohio | 2 | $ 400,000 | $ 200,000 | $ 95,000 |
| Beaufort, South Carolina | 2 | $ 1,350,000 | $ 675,000 | $ 203,000 |
| Greenville, South Carolina | 2 | $ 1,030,000 | $ 515,000 | $ 164,000 |
| Bedford, Tennessee | 2 | $ 330,000 | $ 165,000 | $ 59,000 |
| Franklin, Tennessee | 2 | $ 1,030,000 | $ 515,000 | $ 245,000 |
| Hickman, Tennessee | 2 | $ 220,000 | $ 110,000 | $ 80,000 |
| Sevier, Tennessee | 2 | $ 780,000 | $ 390,000 | $ 182,000 |
| Fairfax, Virginia | 2 | $ 1,930,000 | $ 965,000 | $ 285,000 |
| Walworth, Wisconsin | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Maricopa, Arizona | 1 | $ 1,525,000 | $ 1,525,000 | $ 1,145,000 |
| Calaveras, California | 1 | $ 545,000 | $ 545,000 | $ 0 |
| San Francisco, California | 1 | $ 895,000 | $ 895,000 | $ 0 |
| San Luis Obispo, California | 1 | $ 1,125,000 | $ 1,125,000 | $ 0 |
| Adams, Colorado | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Bay, Florida | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Escambia, Florida | 1 | $ 465,000 | $ 465,000 | $ 358,000 |
| Lake, Florida | 1 | $ 405,000 | $ 405,000 | $ 155,000 |
| Nassau, Florida | 1 | $ 555,000 | $ 555,000 | $ 114,000 |
| Santa Rosa, Florida | 1 | $ 225,000 | $ 225,000 | $ 42,000 |
| Bryan, Georgia | 1 | $ 295,000 | $ 295,000 | $ 141,000 |
| Clayton, Georgia | 1 | $ 135,000 | $ 135,000 | $ 150,000 |
| Glynn, Georgia | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Gordon, Georgia | 1 | $ 425,000 | $ 425,000 | $ 277,000 |
| Greene, Georgia | 1 | $ 595,000 | $ 595,000 | $ 3,350,000 |
| Haralson, Georgia | 1 | $ 155,000 | $ 155,000 | $ 122,000 |
| Harris, Georgia | 1 | $ 405,000 | $ 405,000 | $ 127,000 |
| Oconee, Georgia | 1 | $ 195,000 | $ 195,000 | $ 51,000 |
| Kane, Illinois | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Will, Illinois | 1 | $ 315,000 | $ 315,000 | $ 117,000 |
| Elkhart, Indiana | 1 | $ 165,000 | $ 165,000 | $ 117,000 |
| Hendricks, Indiana | 1 | $ 405,000 | $ 405,000 | $ 132,000 |
| Johnson, Indiana | 1 | $ 315,000 | $ 315,000 | $ 56,000 |
| Marion, Indiana | 1 | $ 105,000 | $ 105,000 | $ 155,000 |
| Monroe, Indiana | 1 | $ 265,000 | $ 265,000 | $ 255,000 |
| Morgan, Indiana | 1 | $ 275,000 | $ 275,000 | $ 356,000 |
| Porter, Indiana | 1 | $ 405,000 | $ 405,000 | $ 194,000 |
| Spencer, Indiana | 1 | $ 15,000 | $ 15,000 | $ 18,000 |
| St. Joseph, Indiana | 1 | $ 295,000 | $ 295,000 | $ 160,000 |
| Starke, Indiana | 1 | $ 35,000 | $ 35,000 | $ 94,000 |
| Switzerland, Indiana | 1 | $ 5,000 | $ 5,000 | $ 18,000 |
| Vanderburgh, Indiana | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
| Warrick, Indiana | 1 | $ 25,000 | $ 25,000 | $ 115,000 |
| Washington, Indiana | 1 | $ 25,000 | $ 25,000 | $ 39,000 |
| Barren, Kentucky | 1 | $ 245,000 | $ 245,000 | $ 104,000 |
| Bath, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Boyd, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Carter, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Cumberland, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 206,000 |
| Daviess, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Estill, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Fleming, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 83,000 |
| Green, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Henderson, Kentucky | 1 | $ 315,000 | $ 315,000 | $ 70,000 |
| Hopkins, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Knox, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 27,000 |
| Larue, Kentucky | 1 | $ 285,000 | $ 285,000 | $ 134,000 |
| Lewis, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Marshall, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| Ohio, Kentucky | 1 | $ 305,000 | $ 305,000 | $ 37,000 |
| Owen, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 195,000 |
| Powell, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| Rowan, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 115,000 |
| Wayne, Kentucky | 1 | $ 265,000 | $ 265,000 | $ 64,000 |
| Wolfe, Kentucky | 1 | $ 365,000 | $ 365,000 | $ 534,000 |
| Lafayette, Louisiana | 1 | $ 295,000 | $ 295,000 | $ 108,000 |
| Kalamazoo, Michigan | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Hennepin, Minnesota | 1 | $ 375,000 | $ 375,000 | $ 130,000 |
| Lafayette, Mississippi | 1 | $ 225,000 | $ 225,000 | $ 211,000 |
| Bergen, New Jersey | 1 | $ 285,000 | $ 285,000 | $ 46,000 |
| Camden, New Jersey | 1 | $ 65,000 | $ 65,000 | $ 147,000 |
| Gloucester, New Jersey | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Passaic, New Jersey | 1 | $ 725,000 | $ 725,000 | $ 190,000 |
| Guilford, North Carolina | 1 | $ 325,000 | $ 325,000 | $ 124,000 |
| Haywood, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 230,000 |
| Mecklenburg, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 8,000 |
| Ashland, Ohio | 1 | $ 65,000 | $ 65,000 | $ 105,000 |
| Athens, Ohio | 1 | $ 335,000 | $ 335,000 | $ 84,000 |
| Fairfield, Ohio | 1 | $ 305,000 | $ 305,000 | $ 235,000 |
| Lucas, Ohio | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Madison, Ohio | 1 | $ 155,000 | $ 155,000 | $ 135,000 |
| Medina, Ohio | 1 | $ 75,000 | $ 75,000 | $ 209,000 |
| Ottawa, Ohio | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Preble, Ohio | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Summit, Ohio | 1 | $ 265,000 | $ 265,000 | $ 192,000 |
| Bradford, Pennsylvania | 1 | $ 705,000 | $ 705,000 | $ 194,000 |
| Charleston, South Carolina | 1 | $ 305,000 | $ 305,000 | $ 214,000 |
| Lexington, South Carolina | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| Richland, South Carolina | 1 | $ 235,000 | $ 235,000 | $ 117,000 |
| Sumter, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 226,000 |
| Cannon, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 503,000 |
| Carter, Tennessee | 1 | $ 445,000 | $ 445,000 | $ 170,000 |
| Greene, Tennessee | 1 | $ 315,000 | $ 315,000 | $ 102,000 |
| Jackson, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 108,000 |
| Trousdale, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 78,000 |
| Warren, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 76,000 |
| Bexar, Texas | 1 | $ 245,000 | $ 245,000 | $ 78,000 |
| Washington, Utah | 1 | $ 745,000 | $ 745,000 | $ 0 |
| Prince William, Virginia | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Richmond City, Virginia | 1 | $ 145,000 | $ 145,000 | $ 26,000 |
| Grays Harbor, Washington | 1 | $ 725,000 | $ 725,000 | $ 260,000 |
| Kittitas, Washington | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Snohomish, Washington | 1 | $ 975,000 | $ 975,000 | $ 0 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2023
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 | 1,783 | $703,405,000 | $394,000 | $37,705,000 | $147,000 | $3,500,000 |
| Other Purpose | 1,287 | $131,365,000 | $102,000 | $1,505,000 | $120,000 | $886,000 |
| Home Improvement | 1,065 | $113,195,000 | $106,000 | $3,005,000 | $139,000 | $1,685,000 |
| Cash-out Refinancing | 618 | $125,260,000 | $202,000 | $1,605,000 | $142,000 | $1,916,000 |
| Refinancing | 121 | $56,185,000 | $464,000 | $7,505,000 | $111,000 | $425,000 |
| Not Applicable | 1 | $75,000 | $75,000 | $75,000 | $37,000 | $37,000 |
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 | 3,230 | $650,170,000 | $201,000 | $2,365,000 | $149,000 | $3,500,000 |
| Black or African American | 511 | $65,325,000 | $127,000 | $1,835,000 | $81,000 | $3,350,000 |
| Not Provided | 489 | $90,185,000 | $184,000 | $1,505,000 | $123,000 | $1,119,000 |
| Hispanic | 322 | $51,490,000 | $159,000 | $1,575,000 | $101,000 | $1,246,000 |
| Asian | 161 | $50,835,000 | $315,000 | $1,495,000 | $179,000 | $1,685,000 |
| Not applicable | 141 | $216,955,000 | $1,538,000 | $37,705,000 | $0 | $0 |
| American Indian or Alaskan Native | 16 | $2,850,000 | $178,000 | $1,125,000 | $137,000 | $888,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $610,000 | $152,000 | $255,000 | $134,000 | $149,000 |
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) | 4,715 | $1,090,745,000 | $231,000 | $37,705,000 | $138,000 | $3,500,000 |
| FHA-insured (Federal Housing Administration) | 136 | $31,240,000 | $229,000 | $485,000 | $81,000 | $289,000 |
| VA-guaranteed (Veterans Administration) | 18 | $6,240,000 | $346,000 | $575,000 | $149,000 | $534,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,260,000 | $210,000 | $295,000 | $61,000 | $85,000 |
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 | 2,766 | $676,080,000 | $244,000 | $37,705,000 | $152,000 | $3,500,000 |
| Application Withdrawn By Applicant | 1,365 | $246,825,000 | $180,000 | $7,505,000 | $119,000 | $1,685,000 |
| Application Denied By Financial Institution | 286 | $44,730,000 | $156,000 | $2,465,000 | $103,000 | $1,631,000 |
| File Closed For Incompleteness | 212 | $32,090,000 | $151,000 | $1,045,000 | $123,000 | $552,000 |
| Loan Purchased By The Institution | 207 | $124,515,000 | $601,000 | $2,095,000 | $39,000 | $71,000 |
| Application Approved But Not Accepted | 39 | $5,245,000 | $134,000 | $545,000 | $120,000 | $382,000 |
| 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 | 4,589 | $1,084,755,000 | $236,000 | $37,705,000 | $138,000 | $3,500,000 |
| Debt-To-Income Ratio | 158 | $17,710,000 | $112,000 | $465,000 | $71,000 | $469,000 |
| Credit History | 52 | $3,780,000 | $72,000 | $265,000 | $119,000 | $997,000 |
| Other | 43 | $18,235,000 | $424,000 | $2,465,000 | $217,000 | $841,000 |
| Collateral | 20 | $2,690,000 | $134,000 | $705,000 | $227,000 | $1,631,000 |
| Employment History | 7 | $1,195,000 | $170,000 | $365,000 | $71,000 | $115,000 |
| Unverifiable Information | 4 | $930,000 | $232,000 | $295,000 | $101,000 | $224,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $190,000 | $95,000 | $185,000 | $53,000 | $53,000 |
| 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 2023 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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with aggregated HMDA statistics today.
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