Republic Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Republic Bank & Trust of Louisville, KY reported 3,866 mortgage applications totaling $763.9 million, down 21% from 2023. The average application was for $197,584, and applicants reported an average income of $148,846. 57% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,715), Cincinnati, OH-KY-IN (469) and Nashville-Davidson--Murfreesboro--Franklin, TN (387) (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 | 3,866 |
| Total Mortgage Loan Application Amount | $763,860,000 |
| Average Mortgage Loan Application Amount | $197,584 |
| Highest Mortgage Loan Application Amount | $12,305,000 |
| Average Applicant Income | $148,846 |
| Highest Applicant Income | $7,589,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,180 | $ 188,230,000 | $ 159,516 | $ 124,000 |
| Fayette, Kentucky | 256 | $ 54,880,000 | $ 214,375 | $ 154,000 |
| Pinellas, Florida | 222 | $ 56,850,000 | $ 256,081 | $ 187,000 |
| Hillsborough, Florida | 187 | $ 37,065,000 | $ 198,208 | $ 134,000 |
| Hamilton, Ohio | 152 | $ 27,090,000 | $ 178,223 | $ 160,000 |
| Davidson, Tennessee | 123 | $ 38,185,000 | $ 310,447 | $ 174,000 |
| Clark, Indiana | 122 | $ 16,810,000 | $ 137,786 | $ 106,000 |
| Pasco, Florida | 102 | $ 24,420,000 | $ 239,411 | $ 128,000 |
| Oldham, Kentucky | 98 | $ 27,460,000 | $ 280,204 | $ 210,000 |
| Bullitt, Kentucky | 95 | $ 10,945,000 | $ 115,210 | $ 110,000 |
| Williamson, Tennessee | 91 | $ 36,655,000 | $ 402,802 | $ 389,000 |
| Floyd, Indiana | 81 | $ 13,085,000 | $ 161,543 | $ 214,000 |
| Kenton, Kentucky | 69 | $ 10,455,000 | $ 151,521 | $ 131,000 |
| Shelby, Kentucky | 69 | $ 14,955,000 | $ 216,739 | $ 159,000 |
| Rutherford, Tennessee | 66 | $ 9,490,000 | $ 143,787 | $ 108,000 |
| Butler, Ohio | 62 | $ 7,240,000 | $ 116,774 | $ 114,000 |
| Scott, Kentucky | 59 | $ 10,955,000 | $ 185,677 | $ 119,000 |
| Campbell, Kentucky | 56 | $ 9,110,000 | $ 162,678 | $ 130,000 |
| Boone, Kentucky | 42 | $ 5,600,000 | $ 133,333 | $ 123,000 |
| Clermont, Ohio | 38 | $ 7,540,000 | $ 198,421 | $ 196,000 |
| Warren, Ohio | 35 | $ 5,245,000 | $ 149,857 | $ 175,000 |
| Sumner, Tennessee | 34 | $ 5,310,000 | $ 156,176 | $ 150,000 |
| Wilson, Tennessee | 31 | $ 3,855,000 | $ 124,354 | $ 118,000 |
| Jessamine, Kentucky | 30 | $ 8,440,000 | $ 281,333 | $ 150,000 |
| Spencer, Kentucky | 30 | $ 4,670,000 | $ 155,666 | $ 129,000 |
| Franklin, Kentucky | 27 | $ 11,745,000 | $ 435,000 | $ 90,000 |
| Madison, Kentucky | 23 | $ 5,135,000 | $ 223,260 | $ 125,000 |
| Hernando, Florida | 21 | $ 3,545,000 | $ 168,809 | $ 112,000 |
| Woodford, Kentucky | 17 | $ 4,515,000 | $ 265,588 | $ 134,000 |
| Nelson, Kentucky | 16 | $ 2,360,000 | $ 147,500 | $ 86,000 |
| Harrison, Indiana | 13 | $ 1,765,000 | $ 135,769 | $ 104,000 |
| Maury, Tennessee | 13 | $ 1,025,000 | $ 78,846 | $ 96,000 |
| Mercer, Kentucky | 11 | $ 2,515,000 | $ 228,636 | $ 141,000 |
| Hardin, Kentucky | 10 | $ 830,000 | $ 83,000 | $ 82,000 |
| Robertson, Tennessee | 10 | $ 950,000 | $ 95,000 | $ 99,000 |
| Anderson, Kentucky | 9 | $ 1,155,000 | $ 128,333 | $ 87,000 |
| Clark, Kentucky | 9 | $ 1,165,000 | $ 129,444 | $ 95,000 |
| Cheatham, Tennessee | 9 | $ 1,635,000 | $ 181,666 | $ 150,000 |
| Orange, Florida | 8 | $ 1,870,000 | $ 233,750 | $ 268,000 |
| Bourbon, Kentucky | 7 | $ 1,755,000 | $ 250,714 | $ 110,000 |
| Henry, Kentucky | 7 | $ 1,295,000 | $ 185,000 | $ 152,000 |
| Sarasota, Florida | 6 | $ 1,110,000 | $ 185,000 | $ 74,000 |
| Grant, Kentucky | 6 | $ 870,000 | $ 145,000 | $ 88,000 |
| Montgomery, Kentucky | 6 | $ 1,330,000 | $ 221,666 | $ 105,000 |
| Wake, North Carolina | 6 | $ 3,410,000 | $ 568,333 | $ 194,000 |
| Manatee, Florida | 5 | $ 1,125,000 | $ 225,000 | $ 162,000 |
| Polk, Florida | 5 | $ 345,000 | $ 69,000 | $ 75,000 |
| Scott, Indiana | 5 | $ 665,000 | $ 133,000 | $ 119,000 |
| Mecklenburg, North Carolina | 5 | $ 1,885,000 | $ 377,000 | $ 125,000 |
| Brown, Ohio | 5 | $ 725,000 | $ 145,000 | $ 356,000 |
| Franklin, Ohio | 5 | $ 1,295,000 | $ 259,000 | $ 122,000 |
| Dickson, Tennessee | 5 | $ 435,000 | $ 87,000 | $ 127,000 |
| Broward, Florida | 4 | $ 2,400,000 | $ 600,000 | $ 371,000 |
| Miami-Dade, Florida | 4 | $ 1,860,000 | $ 465,000 | $ 166,000 |
| Palm Beach, Florida | 4 | $ 2,170,000 | $ 542,500 | $ 203,000 |
| Fulton, Georgia | 4 | $ 910,000 | $ 227,500 | $ 173,000 |
| Daviess, Kentucky | 4 | $ 1,110,000 | $ 277,500 | $ 149,000 |
| Lake, Ohio | 4 | $ 640,000 | $ 160,000 | $ 210,000 |
| Philadelphia, Pennsylvania | 4 | $ 560,000 | $ 140,000 | $ 43,000 |
| Charleston, South Carolina | 4 | $ 3,670,000 | $ 917,500 | $ 204,000 |
| York, South Carolina | 4 | $ 1,360,000 | $ 340,000 | $ 132,000 |
| Cannon, Tennessee | 4 | $ 140,000 | $ 35,000 | $ 103,000 |
| Charlotte, Florida | 3 | $ 1,745,000 | $ 581,666 | $ 356,000 |
| Lee, Florida | 3 | $ 775,000 | $ 258,333 | $ 152,000 |
| Marion, Florida | 3 | $ 485,000 | $ 161,666 | $ 87,000 |
| Seminole, Florida | 3 | $ 995,000 | $ 331,666 | $ 197,000 |
| Cook, Illinois | 3 | $ 1,175,000 | $ 391,666 | $ 337,000 |
| Dearborn, Indiana | 3 | $ 475,000 | $ 158,333 | $ 131,000 |
| Hamilton, Indiana | 3 | $ 865,000 | $ 288,333 | $ 103,000 |
| Jefferson, Indiana | 3 | $ 345,000 | $ 115,000 | $ 94,000 |
| Breckinridge, Kentucky | 3 | $ 165,000 | $ 55,000 | $ 82,000 |
| Estill, Kentucky | 3 | $ 135,000 | $ 45,000 | $ 46,000 |
| Harrison, Kentucky | 3 | $ 625,000 | $ 208,333 | $ 115,000 |
| Meade, Kentucky | 3 | $ 365,000 | $ 121,666 | $ 134,000 |
| Nicholas, Kentucky | 3 | $ 205,000 | $ 68,333 | $ 63,000 |
| Burke, North Carolina | 3 | $ 365,000 | $ 121,666 | $ 40,000 |
| Greenville, South Carolina | 3 | $ 915,000 | $ 305,000 | $ 112,000 |
| Marshall, Tennessee | 3 | $ 395,000 | $ 131,666 | $ 60,000 |
| Montgomery, Tennessee | 3 | $ 285,000 | $ 95,000 | $ 317,000 |
| Maricopa, Arizona | 2 | $ 660,000 | $ 330,000 | $ 181,000 |
| Riverside, California | 2 | $ 1,020,000 | $ 510,000 | $ 368,000 |
| San Diego, California | 2 | $ 4,000,000 | $ 2,000,000 | $ 2,960,000 |
| Bay, Florida | 2 | $ 540,000 | $ 270,000 | $ 291,000 |
| Brevard, Florida | 2 | $ 890,000 | $ 445,000 | $ 451,000 |
| Escambia, Florida | 2 | $ 280,000 | $ 140,000 | $ 50,000 |
| Putnam, Florida | 2 | $ 370,000 | $ 185,000 | $ 149,000 |
| Sumter, Florida | 2 | $ 350,000 | $ 175,000 | $ 79,000 |
| Volusia, Florida | 2 | $ 520,000 | $ 260,000 | $ 98,000 |
| Walton, Florida | 2 | $ 520,000 | $ 260,000 | $ 326,000 |
| Barrow, Georgia | 2 | $ 1,060,000 | $ 530,000 | $ 148,000 |
| Liberty, Georgia | 2 | $ 150,000 | $ 75,000 | $ 139,000 |
| Delaware, Indiana | 2 | $ 230,000 | $ 115,000 | $ 134,000 |
| Marion, Indiana | 2 | $ 750,000 | $ 375,000 | $ 193,000 |
| Putnam, Indiana | 2 | $ 360,000 | $ 180,000 | $ 67,000 |
| Switzerland, Indiana | 2 | $ 460,000 | $ 230,000 | $ 128,000 |
| Boyle, Kentucky | 2 | $ 450,000 | $ 225,000 | $ 132,000 |
| Clay, Kentucky | 2 | $ 150,000 | $ 75,000 | $ 30,000 |
| Laurel, Kentucky | 2 | $ 150,000 | $ 75,000 | $ 72,000 |
| Powell, Kentucky | 2 | $ 590,000 | $ 295,000 | $ 131,000 |
| Rowan, Kentucky | 2 | $ 350,000 | $ 175,000 | $ 79,000 |
| Taylor, Kentucky | 2 | $ 350,000 | $ 175,000 | $ 106,000 |
| Warren, Kentucky | 2 | $ 40,000 | $ 20,000 | $ 74,000 |
| Monmouth, New Jersey | 2 | $ 1,530,000 | $ 765,000 | $ 136,000 |
| Onslow, North Carolina | 2 | $ 350,000 | $ 175,000 | $ 38,000 |
| Pender, North Carolina | 2 | $ 430,000 | $ 215,000 | $ 134,000 |
| Delaware, Ohio | 2 | $ 1,350,000 | $ 675,000 | $ 244,000 |
| Summit, Ohio | 2 | $ 310,000 | $ 155,000 | $ 72,000 |
| Lancaster, Pennsylvania | 2 | $ 510,000 | $ 255,000 | $ 110,000 |
| Montgomery, Pennsylvania | 2 | $ 1,020,000 | $ 510,000 | $ 163,000 |
| Beaufort, South Carolina | 2 | $ 480,000 | $ 240,000 | $ 105,000 |
| Horry, South Carolina | 2 | $ 360,000 | $ 180,000 | $ 59,000 |
| Shelby, Tennessee | 2 | $ 270,000 | $ 135,000 | $ 41,000 |
| Fairfax, Virginia | 2 | $ 440,000 | $ 220,000 | $ 150,000 |
| Washington, Virginia | 2 | $ 420,000 | $ 210,000 | $ 114,000 |
| Baldwin, Alabama | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Madison, Alabama | 1 | $ 215,000 | $ 215,000 | $ 234,000 |
| Yavapai, Arizona | 1 | $ 205,000 | $ 205,000 | $ 94,000 |
| Alameda, California | 1 | $ 335,000 | $ 335,000 | $ 303,000 |
| Los Angeles, California | 1 | $ 815,000 | $ 815,000 | $ 305,000 |
| San Bernardino, California | 1 | $ 495,000 | $ 495,000 | $ 393,000 |
| Pitkin, Colorado | 1 | $ 1,255,000 | $ 1,255,000 | $ 5,153,000 |
| Summit, Colorado | 1 | $ 685,000 | $ 685,000 | $ 1,727,000 |
| Northeastern Connecticut Planning Region, Connecticut | 1 | $ 235,000 | $ 235,000 | $ 100,000 |
| Alachua, Florida | 1 | $ 185,000 | $ 185,000 | $ 78,000 |
| Bradford, Florida | 1 | $ 275,000 | $ 275,000 | $ 343,000 |
| Clay, Florida | 1 | $ 255,000 | $ 255,000 | $ 140,000 |
| Collier, Florida | 1 | $ 1,275,000 | $ 1,275,000 | $ 748,000 |
| Lake, Florida | 1 | $ 295,000 | $ 295,000 | $ 111,000 |
| Leon, Florida | 1 | $ 215,000 | $ 215,000 | $ 780,000 |
| Santa Rosa, Florida | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| St. Johns, Florida | 1 | $ 375,000 | $ 375,000 | $ 129,000 |
| St. Lucie, Florida | 1 | $ 605,000 | $ 605,000 | $ 220,000 |
| Suwannee, Florida | 1 | $ 55,000 | $ 55,000 | $ 160,000 |
| Wakulla, Florida | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| Cherokee, Georgia | 1 | $ 315,000 | $ 315,000 | $ 78,000 |
| Cobb, Georgia | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Columbia, Georgia | 1 | $ 165,000 | $ 165,000 | $ 32,000 |
| Coweta, Georgia | 1 | $ 325,000 | $ 325,000 | $ 96,000 |
| Douglas, Georgia | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Forsyth, Georgia | 1 | $ 365,000 | $ 365,000 | $ 111,000 |
| Houston, Georgia | 1 | $ 125,000 | $ 125,000 | $ 27,000 |
| Lowndes, Georgia | 1 | $ 135,000 | $ 135,000 | $ 141,000 |
| Boone, Illinois | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| Carroll, Illinois | 1 | $ 365,000 | $ 365,000 | $ 224,000 |
| DuPage, Illinois | 1 | $ 345,000 | $ 345,000 | $ 164,000 |
| McHenry, Illinois | 1 | $ 5,000 | $ 5,000 | $ 16,000 |
| Franklin, Indiana | 1 | $ 185,000 | $ 185,000 | $ 153,000 |
| Lake, Indiana | 1 | $ 265,000 | $ 265,000 | $ 135,000 |
| Perry, Indiana | 1 | $ 15,000 | $ 15,000 | $ 47,000 |
| Vanderburgh, Indiana | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Washington, Indiana | 1 | $ 115,000 | $ 115,000 | $ 126,000 |
| Adair, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 103,000 |
| Clinton, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 17,000 |
| Edmonson, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 83,000 |
| Fleming, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Garrard, Kentucky | 1 | $ 295,000 | $ 295,000 | $ 115,000 |
| Grayson, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 101,000 |
| Greenup, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 92,000 |
| Hart, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Johnson, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Larue, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 146,000 |
| Logan, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 91,000 |
| Ohio, Kentucky | 1 | $ 305,000 | $ 305,000 | $ 96,000 |
| Pike, Kentucky | 1 | $ 295,000 | $ 295,000 | $ 129,000 |
| Pulaski, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Robertson, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Simpson, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Wayne, Kentucky | 1 | $ 5,000 | $ 5,000 | $ 40,000 |
| Whitley, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 16,000 |
| Muskegon, Michigan | 1 | $ 265,000 | $ 265,000 | $ 86,000 |
| Oceana, Michigan | 1 | $ 265,000 | $ 265,000 | $ 86,000 |
| Pine, Minnesota | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Greene, Missouri | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Jefferson, Missouri | 1 | $ 385,000 | $ 385,000 | $ 106,000 |
| Passaic, New Jersey | 1 | $ 555,000 | $ 555,000 | $ 129,000 |
| Sussex, New Jersey | 1 | $ 325,000 | $ 325,000 | $ 66,000 |
| Brunswick, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 104,000 |
| Cumberland, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 135,000 |
| Forsyth, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 131,000 |
| Gaston, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 83,000 |
| Guilford, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Harnett, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 148,000 |
| Pamlico, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 82,000 |
| Pitt, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 41,000 |
| Columbiana, Ohio | 1 | $ 55,000 | $ 55,000 | $ 23,000 |
| Crawford, Ohio | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Fairfield, Ohio | 1 | $ 475,000 | $ 475,000 | $ 292,000 |
| Geauga, Ohio | 1 | $ 125,000 | $ 125,000 | $ 103,000 |
| Greene, Ohio | 1 | $ 345,000 | $ 345,000 | $ 137,000 |
| Highland, Ohio | 1 | $ 105,000 | $ 105,000 | $ 149,000 |
| Lucas, Ohio | 1 | $ 265,000 | $ 265,000 | $ 78,000 |
| Miami, Ohio | 1 | $ 155,000 | $ 155,000 | $ 89,000 |
| Montgomery, Ohio | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Ross, Ohio | 1 | $ 235,000 | $ 235,000 | $ 111,000 |
| Seneca, Ohio | 1 | $ 45,000 | $ 45,000 | $ 190,000 |
| Butler, Pennsylvania | 1 | $ 395,000 | $ 395,000 | $ 172,000 |
| Carbon, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 179,000 |
| Crawford, Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 82,000 |
| Erie, Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 210,000 |
| Northampton, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 271,000 |
| Anderson, South Carolina | 1 | $ 275,000 | $ 275,000 | $ 123,000 |
| Berkeley, South Carolina | 1 | $ 355,000 | $ 355,000 | $ 200,000 |
| Lexington, South Carolina | 1 | $ 445,000 | $ 445,000 | $ 172,000 |
| Oconee, South Carolina | 1 | $ 225,000 | $ 225,000 | $ 43,000 |
| Sumter, South Carolina | 1 | $ 295,000 | $ 295,000 | $ 147,000 |
| Bedford, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 158,000 |
| Blount, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 126,000 |
| Franklin, Tennessee | 1 | $ 505,000 | $ 505,000 | $ 218,000 |
| Hamilton, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 59,000 |
| Humphreys, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 120,000 |
| Knox, Tennessee | 1 | $ 25,000 | $ 25,000 | $ 86,000 |
| Macon, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 127,000 |
| Obion, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Overton, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 57,000 |
| Chesterfield, Virginia | 1 | $ 795,000 | $ 795,000 | $ 317,000 |
| Henrico, Virginia | 1 | $ 755,000 | $ 755,000 | $ 214,000 |
| James City, Virginia | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Spotsylvania, Virginia | 1 | $ 225,000 | $ 225,000 | $ 93,000 |
| Staunton, Virginia | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Milwaukee, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 329,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2024
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 | 1,214 | $379,970,000 | $312,000 | $12,305,000 | $146,000 | $3,537,000 |
| Home Improvement | 986 | $105,480,000 | $106,000 | $1,275,000 | $137,000 | $1,998,000 |
| Other Purpose | 929 | $109,705,000 | $118,000 | $2,505,000 | $163,000 | $7,589,000 |
| Cash-out Refinancing | 639 | $134,745,000 | $210,000 | $2,045,000 | $155,000 | $5,000,000 |
| Refinancing | 97 | $33,945,000 | $349,000 | $3,325,000 | $130,000 | $685,000 |
| Not Applicable | 1 | $15,000 | $15,000 | $15,000 | $33,000 | $33,000 |
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 | 2,712 | $518,040,000 | $191,000 | $6,025,000 | $160,000 | $7,589,000 |
| Not Provided | 417 | $74,415,000 | $178,000 | $1,055,000 | $132,000 | $1,720,000 |
| Black or African American | 374 | $50,970,000 | $136,000 | $765,000 | $94,000 | $1,055,000 |
| Hispanic | 196 | $35,750,000 | $182,000 | $2,005,000 | $115,000 | $2,360,000 |
| Asian | 113 | $31,515,000 | $278,000 | $3,085,000 | $185,000 | $1,439,000 |
| Not applicable | 43 | $51,875,000 | $1,206,000 | $12,305,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $745,000 | $106,000 | $205,000 | $135,000 | $241,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $550,000 | $137,000 | $285,000 | $93,000 | $170,000 |
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) | 3,548 | $688,820,000 | $194,000 | $12,305,000 | $155,000 | $7,589,000 |
| FHA-insured (Federal Housing Administration) | 278 | $62,130,000 | $223,000 | $545,000 | $79,000 | $426,000 |
| VA-guaranteed (Veterans Administration) | 40 | $12,910,000 | $322,000 | $585,000 | $121,000 | $544,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,192 | $468,960,000 | $213,000 | $12,305,000 | $163,000 | $5,153,000 |
| Application Withdrawn By Applicant | 745 | $151,265,000 | $203,000 | $6,055,000 | $139,000 | $5,153,000 |
| Application Denied By Financial Institution | 506 | $63,620,000 | $125,000 | $2,445,000 | $121,000 | $7,589,000 |
| File Closed For Incompleteness | 328 | $61,760,000 | $188,000 | $1,455,000 | $135,000 | $1,055,000 |
| Application Approved But Not Accepted | 51 | $8,055,000 | $157,000 | $1,065,000 | $154,000 | $1,863,000 |
| Loan Purchased By The Institution | 44 | $10,200,000 | $231,000 | $385,000 | $46,000 | $73,000 |
| 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 | 3,360 | $700,240,000 | $208,000 | $12,305,000 | $153,000 | $5,153,000 |
| Debt-To-Income Ratio | 306 | $36,440,000 | $119,000 | $505,000 | $70,000 | $551,000 |
| Credit History | 132 | $12,890,000 | $97,000 | $505,000 | $206,000 | $7,589,000 |
| Collateral | 32 | $5,280,000 | $165,000 | $1,995,000 | $259,000 | $5,000,000 |
| Other | 24 | $7,340,000 | $305,000 | $2,445,000 | $146,000 | $522,000 |
| Employment History | 8 | $1,050,000 | $131,000 | $345,000 | $52,000 | $93,000 |
| Unverifiable Information | 2 | $220,000 | $110,000 | $155,000 | $103,000 | $129,000 |
| Credit Application Incomplete | 1 | $245,000 | $245,000 | $245,000 | $134,000 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $28,000 | $28,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2024 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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