Republic Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Republic Bank & Trust of Louisville, KY reported 5,420 mortgage applications totaling $709.3 million, up 5% from 2004. The average application was for $130,862, and applicants reported an average income of $64,935. 77% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Louisville, KY-IN (3,306), Lexington-Fayette, KY (820) and Owensboro, KY (318) (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 | 5,420 |
| Total Mortgage Loan Application Amount | $709,276,000 |
| Average Mortgage Loan Application Amount | $130,862 |
| Highest Mortgage Loan Application Amount | $1,956,000 |
| Average Applicant Income | $64,935 |
| Highest Applicant Income | $918,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, KY-IN | 3,306 | $ 447,341,000 | $ 135,311 | $ 67,000 |
| Lexington-Fayette, KY | 820 | $ 116,397,000 | $ 141,947 | $ 64,000 |
| Owensboro, KY | 318 | $ 28,643,000 | $ 90,072 | $ 48,000 |
| Elizabethtown, KY | 195 | $ 22,367,000 | $ 114,702 | $ 66,000 |
| Bowling Green, KY | 133 | $ 15,560,000 | $ 116,992 | $ 47,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 634,000 | $ 211,333 | $ 26,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 417,000 | $ 208,500 | $ 308,000 |
| Indianapolis, IN | 2 | $ 258,000 | $ 129,000 | $ 109,000 |
| Bloomington, IN | 1 | $ 294,000 | $ 294,000 | $ 85,000 |
| Charleston-North Charleston, SC | 1 | $ 716,000 | $ 716,000 | $ 239,000 |
| Columbus, IN | 1 | $ 164,000 | $ 164,000 | $ 212,000 |
| Evansville, IN-KY | 1 | $ 240,000 | $ 240,000 | $ 173,000 |
| Lakeland, FL | 1 | $ 213,000 | $ 213,000 | $ 210,000 |
| Panama City-Lynn Haven, FL | 1 | $ 284,000 | $ 284,000 | $ 345,000 |
| Pittsburgh, PA | 1 | $ 469,000 | $ 469,000 | $ 444,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 217,000 | $ 217,000 | $ 305,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 144,000 | $ 144,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2005
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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,677 | $352,925,000 | $155,333 | $1,956,000 | $118,000 | $773,000 |
| Home Purchase | 2,508 | $341,439,000 | $346,000 | $1,080,000 | $201,666 | $918,000 |
| Home Improvement | 235 | $14,912,000 | $126,666 | $650,000 | $141,333 | $495,000 |
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 | 4,539 | $597,323,000 | $325,142 | $1,080,000 | $220,142 | $918,000 |
| Not Provided | 374 | $37,425,000 | $98,666 | $1,038,000 | $158,666 | $416,000 |
| Black or African American | 240 | $27,776,000 | $109,000 | $810,000 | $51,500 | $475,000 |
| Asian | 108 | $16,620,000 | $127,000 | $544,000 | $101,000 | $225,000 |
| Hispanic | 90 | $11,912,000 | $132,000 | $496,000 | $64,000 | $366,000 |
| Not applicable | 54 | $16,275,000 | $269,666 | $1,956,000 | $0 | $0 |
| American Indian or Alaskan Native | 8 | $871,000 | $108,000 | $182,000 | $76,000 | $146,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,074,000 | $136,500 | $352,000 | $66,000 | $166,000 |
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) | 5,314 | $697,187,000 | $327,142 | $1,956,000 | $219,857 | $918,000 |
| FHA-insured (Federal Housing Administration) | 76 | $7,852,000 | $102,500 | $168,000 | $37,500 | $91,000 |
| VA-guaranteed (Veterans Administration) | 30 | $4,237,000 | $132,000 | $310,000 | $50,500 | $122,000 |
| 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 | 4,150 | $548,183,000 | $330,571 | $1,956,000 | $218,285 | $773,000 |
| Application Withdrawn By Applicant | 454 | $57,912,000 | $104,333 | $1,080,000 | $151,333 | $918,000 |
| Application Denied By Financial Institution | 410 | $48,203,000 | $112,000 | $653,000 | $50,000 | $442,000 |
| Application Approved But Not Accepted | 363 | $50,948,000 | $129,000 | $738,000 | $71,000 | $600,000 |
| Loan Purchased By The Institution | 43 | $4,030,000 | $93,000 | $221,000 | $34,000 | $50,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 172 | $18,645,000 | $92,500 | $508,000 | $55,500 | $394,000 |
| Debt-To-Income Ratio | 169 | $22,175,000 | $127,500 | $653,000 | $41,500 | $442,000 |
| Other | 28 | $3,122,000 | $102,000 | $320,000 | $57,000 | $247,000 |
| Employment History | 22 | $1,973,000 | $117,000 | $160,000 | $44,000 | $81,000 |
| Collateral | 16 | $1,984,000 | $159,000 | $338,000 | $81,500 | $117,000 |
| Unverifiable Information | 2 | $140,000 | $70,000 | $115,000 | $52,000 | $78,000 |
| Credit Application Incomplete | 1 | $164,000 | $164,000 | $164,000 | $10,000 | $10,000 |
| 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 2005 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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