Republic Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Republic Bank & Trust of Louisville, KY reported 3,990 mortgage applications totaling $544.2 million, up 7% from 2006. The average application was for $136,383, and applicants reported an average income of $74,339. 78% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (2,646), Lexington-Fayette, KY (578) and Owensboro, KY (224) (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 | 3,990 |
| Total Mortgage Loan Application Amount | $544,169,000 |
| Average Mortgage Loan Application Amount | $136,383 |
| Highest Mortgage Loan Application Amount | $5,836,000 |
| Average Applicant Income | $74,339 |
| Highest Applicant Income | $1,103,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,646 | $ 354,112,000 | $ 133,829 | $ 75,741 |
| Lexington-Fayette, KY | 578 | $ 87,407,000 | $ 151,223 | $ 76,000 |
| Owensboro, KY | 224 | $ 22,315,000 | $ 99,620 | $ 62,000 |
| Elizabethtown, KY | 127 | $ 11,669,000 | $ 91,881 | $ 71,000 |
| Bowling Green, KY | 83 | $ 7,920,000 | $ 95,421 | $ 67,000 |
| Cincinnati-Middletown, OH-KY-IN | 82 | $ 28,205,000 | $ 343,963 | $ 45,634 |
| Cape Coral-Fort Myers, FL | 3 | $ 956,000 | $ 318,666 | $ 143,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 848,000 | $ 282,666 | $ 320,000 |
| Bloomington, IN | 2 | $ 444,000 | $ 222,000 | $ 79,000 |
| Clarksville, TN-KY | 2 | $ 184,000 | $ 92,000 | $ 74,000 |
| Sebastian-Vero Beach, FL | 2 | $ 1,404,000 | $ 702,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 440,000 | $ 440,000 | $ 478,000 |
| Lafayette, IN | 1 | $ 124,000 | $ 124,000 | $ 82,000 |
| Naples-Marco Island, FL | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 369,000 | $ 369,000 | $ 117,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 512,000 | $ 512,000 | $ 360,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 117,000 | $ 117,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2007
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 | 1,964 | $300,727,000 | $153,000 | $5,836,000 | $73,000 | $1,100,000 |
| Refinancing | 1,782 | $234,105,000 | $131,000 | $2,525,000 | $76,000 | $936,000 |
| Home Improvement | 244 | $9,337,000 | $38,000 | $1,758,000 | $73,000 | $1,103,000 |
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 | 3,202 | $410,975,000 | $128,000 | $1,620,000 | $79,000 | $1,100,000 |
| Not Provided | 264 | $29,274,000 | $110,000 | $1,872,000 | $68,000 | $844,000 |
| Not applicable | 165 | $61,671,000 | $373,000 | $5,836,000 | $0 | $74,000 |
| Black or African American | 153 | $14,915,000 | $97,000 | $543,000 | $61,000 | $252,000 |
| Hispanic | 120 | $13,462,000 | $112,000 | $304,000 | $49,000 | $120,000 |
| Asian | 73 | $10,749,000 | $147,000 | $800,000 | $109,000 | $827,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,219,000 | $317,000 | $1,500,000 | $280,000 | $1,103,000 |
| American Indian or Alaskan Native | 6 | $904,000 | $150,000 | $512,000 | $131,000 | $360,000 |
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) | 3,953 | $539,732,000 | $136,000 | $5,836,000 | $75,000 | $1,103,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,403,000 | $113,000 | $197,000 | $54,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,034,000 | $147,000 | $260,000 | $66,000 | $148,000 |
| 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 | 3,104 | $418,652,000 | $134,000 | $5,836,000 | $75,000 | $1,100,000 |
| Application Approved But Not Accepted | 452 | $63,127,000 | $139,000 | $1,700,000 | $80,000 | $1,103,000 |
| Application Denied By Financial Institution | 261 | $27,222,000 | $104,000 | $1,758,000 | $55,000 | $376,000 |
| Application Withdrawn By Applicant | 164 | $33,406,000 | $203,000 | $1,880,000 | $63,000 | $761,000 |
| File Closed For Incompleteness | 9 | $1,762,000 | $195,000 | $800,000 | $166,000 | $827,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 108 | $9,284,000 | $85,000 | $495,000 | $58,000 | $258,000 |
| Credit History | 86 | $4,753,000 | $55,000 | $248,000 | $53,000 | $122,000 |
| Employment History | 14 | $1,137,000 | $81,000 | $395,000 | $80,000 | $376,000 |
| Other | 8 | $644,000 | $80,000 | $202,000 | $72,000 | $200,000 |
| Collateral | 4 | $201,000 | $50,000 | $135,000 | $71,000 | $96,000 |
| Credit Application Incomplete | 1 | $115,000 | $115,000 | $115,000 | $158,000 | $158,000 |
| Unverifiable Information | 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 2007 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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