Republic Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Republic Bank & Trust of Louisville, KY reported 4,075 mortgage applications totaling $898.0 million, up 5% from 2024. The average application was for $220,376, and applicants reported an average income of $149,306. 61% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,793), Cincinnati, OH-KY-IN (515) and Lexington-Fayette, KY (418) (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 | 4,075 |
| Total Mortgage Loan Application Amount | $898,035,000 |
| Average Mortgage Loan Application Amount | $220,376 |
| Highest Mortgage Loan Application Amount | $11,255,000 |
| Average Applicant Income | $149,306 |
| Highest Applicant Income | $6,374,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Louisville/Jefferson County, KY-IN | 1,793 | $ 328,995,000 | $ 183,488 | $ 140,690 |
| Cincinnati, OH-KY-IN | 515 | $ 113,465,000 | $ 220,320 | $ 158,027 |
| Lexington-Fayette, KY | 418 | $ 119,740,000 | $ 286,459 | $ 162,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 405 | $ 102,315,000 | $ 252,629 | $ 146,000 |
| Tampa, FL | 345 | $ 68,935,000 | $ 199,811 | $ 139,000 |
| St. Petersburg-Clearwater-Largo, FL | 267 | $ 73,845,000 | $ 276,573 | $ 153,000 |
| Outside any metro area | 138 | $ 32,610,000 | $ 236,304 | $ 131,108 |
| Miami-Miami Beach-Kendall, FL | 13 | $ 11,305,000 | $ 869,615 | $ 450,000 |
| Elizabethtown-Fort Knox, KY | 11 | $ 1,565,000 | $ 142,272 | $ 66,000 |
| Lakeland-Winter Haven, FL | 11 | $ 1,695,000 | $ 154,090 | $ 258,000 |
| Dayton-Springfield-Kettering, OH | 9 | $ 1,625,000 | $ 180,555 | $ 105,000 |
| Cleveland, OH | 7 | $ 2,705,000 | $ 386,428 | $ 199,000 |
| Indianapolis-Carmel-Anderson, IN | 7 | $ 1,455,000 | $ 207,857 | $ 163,000 |
| Owensboro, KY | 6 | $ 790,000 | $ 131,666 | $ 115,000 |
| Memphis, TN-MS-AR | 5 | $ 1,525,000 | $ 305,000 | $ 214,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 965,000 | $ 193,000 | $ 183,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 485,000 | $ 97,000 | $ 101,000 |
| Arlington-Alexandria-Reston, VA-WV | 4 | $ 1,970,000 | $ 492,500 | $ 135,000 |
| Columbus, OH | 4 | $ 620,000 | $ 155,000 | $ 296,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 2,030,000 | $ 507,500 | $ 390,000 |
| Akron, OH | 3 | $ 875,000 | $ 291,666 | $ 133,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 1,475,000 | $ 491,666 | $ 274,000 |
| Bowling Green, KY | 3 | $ 595,000 | $ 198,333 | $ 203,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 605,000 | $ 201,666 | $ 148,000 |
| Chattanooga, TN-GA | 3 | $ 1,025,000 | $ 341,666 | $ 134,333 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 1,545,000 | $ 515,000 | $ 286,000 |
| Homosassa Springs, FL | 3 | $ 695,000 | $ 231,666 | $ 90,000 |
| Jackson, TN | 3 | $ 295,000 | $ 98,333 | $ 30,000 |
| Punta Gorda, FL | 3 | $ 665,000 | $ 221,666 | $ 97,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 465,000 | $ 155,000 | $ 62,000 |
| Charleston-North Charleston, SC | 2 | $ 390,000 | $ 195,000 | $ 93,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 290,000 | $ 145,000 | $ 93,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 2,410,000 | $ 1,205,000 | $ 6,374,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 250,000 | $ 125,000 | $ 40,000 |
| Greensboro-High Point, NC | 2 | $ 390,000 | $ 195,000 | $ 94,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 570,000 | $ 285,000 | $ 84,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 270,000 | $ 135,000 | $ 70,000 |
| Knoxville, TN | 2 | $ 570,000 | $ 285,000 | $ 148,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 570,000 | $ 285,000 | $ 192,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 510,000 | $ 255,000 | $ 412,000 |
| Port St. Lucie, FL | 2 | $ 380,000 | $ 190,000 | $ 114,000 |
| Sebring, FL | 2 | $ 290,000 | $ 145,000 | $ 77,000 |
| Staunton-Waynesboro, VA | 2 | $ 450,000 | $ 225,000 | $ 131,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 630,000 | $ 315,000 | $ 98,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 290,000 | $ 145,000 | $ 68,000 |
| Wildwood-The Villages, FL | 2 | $ 590,000 | $ 295,000 | $ 93,000 |
| Asheville, NC | 1 | $ 185,000 | $ 185,000 | $ 200,000 |
| Auburn-Opelika, AL | 1 | $ 395,000 | $ 395,000 | $ 414,000 |
| Bloomington, IN | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Camden, NJ | 1 | $ 615,000 | $ 615,000 | $ 326,000 |
| Charlottesville, VA | 1 | $ 295,000 | $ 295,000 | $ 77,000 |
| Chicago-Naperville, IL | 1 | $ 305,000 | $ 305,000 | $ 110,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 625,000 | $ 625,000 | $ 613,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 305,000 | $ 305,000 | $ 69,000 |
| Evansville, IN-KY | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Fresno, CA | 1 | $ 205,000 | $ 205,000 | $ 62,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 365,000 | $ 365,000 | $ 179,000 |
| Jacksonville, FL | 1 | $ 455,000 | $ 455,000 | $ 388,000 |
| Johnson City, TN | 1 | $ 185,000 | $ 185,000 | $ 39,000 |
| Kansas City, MO-KS | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Lafayette, LA | 1 | $ 245,000 | $ 245,000 | $ 93,000 |
| Lafayette-West Lafayette, IN | 1 | $ 305,000 | $ 305,000 | $ 194,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 65,000 | $ 65,000 | $ 18,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 315,000 | $ 315,000 | $ 94,000 |
| Lima, OH | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 805,000 | $ 805,000 | $ 360,000 |
| Macon-Bibb County, GA | 1 | $ 155,000 | $ 155,000 | $ 113,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 315,000 | $ 315,000 | $ 66,000 |
| Muncie, IN | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 275,000 | $ 275,000 | $ 112,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Ocala, FL | 1 | $ 305,000 | $ 305,000 | $ 103,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 795,000 | $ 795,000 | $ 265,000 |
| Paducah, KY-IL | 1 | $ 275,000 | $ 275,000 | $ 270,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 305,000 | $ 305,000 | $ 130,000 |
| Philadelphia, PA | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Raleigh, NC | 1 | $ 395,000 | $ 395,000 | $ 210,000 |
| Saginaw, MI | 1 | $ 335,000 | $ 335,000 | $ 233,000 |
| San Rafael, CA | 1 | $ 305,000 | $ 305,000 | $ 107,000 |
| Springfield, OH | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| St. Louis, MO-IL | 1 | $ 245,000 | $ 245,000 | $ 106,000 |
| Tallahassee, FL | 1 | $ 235,000 | $ 235,000 | $ 47,000 |
| Terre Haute, IN | 1 | $ 115,000 | $ 115,000 | $ 69,000 |
| Toledo, OH | 1 | $ 485,000 | $ 485,000 | $ 168,000 |
| Traverse City, MI | 1 | $ 335,000 | $ 335,000 | $ 255,000 |
| Wilmington, NC | 1 | $ 405,000 | $ 405,000 | $ 81,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2025
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 | 1,374 | $463,790,000 | $337,000 | $7,005,000 | $159,000 | $6,374,000 |
| Home Improvement | 960 | $119,000,000 | $123,000 | $11,255,000 | $143,000 | $3,974,000 |
| Other Purpose | 792 | $101,770,000 | $128,000 | $2,115,000 | $145,000 | $2,234,000 |
| Cash-out Refinancing | 761 | $162,015,000 | $212,000 | $1,875,000 | $150,000 | $2,612,000 |
| Refinancing | 188 | $51,460,000 | $273,000 | $1,505,000 | $126,000 | $845,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,764 | $603,290,000 | $218,000 | $7,005,000 | $163,000 | $6,374,000 |
| Not Provided | 485 | $92,585,000 | $190,000 | $1,895,000 | $123,000 | $870,000 |
| Black or African American | 345 | $49,195,000 | $142,000 | $1,975,000 | $91,000 | $1,000,000 |
| Hispanic | 264 | $49,590,000 | $187,000 | $1,955,000 | $114,000 | $1,526,000 |
| Asian | 134 | $38,800,000 | $289,000 | $1,175,000 | $186,000 | $1,048,000 |
| Not applicable | 67 | $62,375,000 | $930,000 | $11,255,000 | $0 | $0 |
| American Indian or Alaskan Native | 13 | $1,485,000 | $114,000 | $505,000 | $159,000 | $357,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $715,000 | $238,000 | $625,000 | $345,000 | $736,000 |
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) | 3,797 | $824,415,000 | $217,000 | $11,255,000 | $153,000 | $6,374,000 |
| FHA-insured (Federal Housing Administration) | 221 | $54,845,000 | $248,000 | $655,000 | $84,000 | $294,000 |
| VA-guaranteed (Veterans Administration) | 48 | $16,860,000 | $351,000 | $1,205,000 | $137,000 | $605,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,915,000 | $212,000 | $255,000 | $93,000 | $132,000 |
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 | 2,475 | $589,605,000 | $238,000 | $11,255,000 | $166,000 | $6,374,000 |
| Application Withdrawn By Applicant | 962 | $201,250,000 | $209,000 | $7,005,000 | $130,000 | $3,187,000 |
| Application Denied By Financial Institution | 363 | $52,725,000 | $145,000 | $1,255,000 | $95,000 | $1,771,000 |
| File Closed For Incompleteness | 213 | $42,305,000 | $198,000 | $1,675,000 | $148,000 | $1,750,000 |
| Application Approved But Not Accepted | 46 | $7,970,000 | $173,000 | $1,005,000 | $135,000 | $537,000 |
| Loan Purchased By The Institution | 16 | $4,180,000 | $261,000 | $395,000 | $65,000 | $175,000 |
| 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 | 3,712 | $845,310,000 | $227,000 | $11,255,000 | $155,000 | $6,374,000 |
| Debt-To-Income Ratio | 212 | $32,040,000 | $151,000 | $1,255,000 | $71,000 | $374,000 |
| Credit History | 100 | $11,350,000 | $113,000 | $605,000 | $130,000 | $1,771,000 |
| Collateral | 23 | $3,775,000 | $164,000 | $355,000 | $161,000 | $810,000 |
| Other | 18 | $4,100,000 | $227,000 | $665,000 | $104,000 | $334,000 |
| Employment History | 8 | $1,180,000 | $147,000 | $445,000 | $76,000 | $125,000 |
| Unverifiable Information | 2 | $280,000 | $140,000 | $225,000 | $60,000 | $66,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2025 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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