Republic Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, Republic Bank & Trust of Louisville, KY reported 4,315 mortgage applications totaling $659.8 million, up 8% from 2007. The average application was for $152,900, and applicants reported an average income of $82,110. 58% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (2,923), Lexington-Fayette, KY (579) and Owensboro, KY (252) (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 | 4,315 |
| Total Mortgage Loan Application Amount | $659,765,000 |
| Average Mortgage Loan Application Amount | $152,900 |
| Highest Mortgage Loan Application Amount | $2,650,000 |
| Average Applicant Income | $82,110 |
| Highest Applicant Income | $4,360,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,923 | $ 451,503,000 | $ 154,465 | $ 82,050 |
| Lexington-Fayette, KY | 579 | $ 102,278,000 | $ 176,645 | $ 91,000 |
| Owensboro, KY | 252 | $ 27,430,000 | $ 108,849 | $ 74,000 |
| Elizabethtown, KY | 117 | $ 13,576,000 | $ 116,034 | $ 64,000 |
| Bowling Green, KY | 112 | $ 13,272,000 | $ 118,500 | $ 66,000 |
| Cincinnati-Middletown, OH-KY-IN | 109 | $ 20,831,000 | $ 191,110 | $ 73,917 |
| Evansville, IN-KY | 3 | $ 372,000 | $ 124,000 | $ 69,666 |
| Naples-Marco Island, FL | 2 | $ 648,000 | $ 324,000 | $ 602,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 175,000 | $ 87,500 | $ 99,000 |
| Bloomington, IN | 1 | $ 315,000 | $ 315,000 | $ 170,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 424,000 | $ 424,000 | $ 648,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 255,000 | $ 255,000 | $ 284,000 |
| Columbus, OH | 1 | $ 160,000 | $ 160,000 | $ 40,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 1,100,000 | $ 1,100,000 | $ 138,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 134,000 | $ 134,000 | $ 75,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 283,000 | $ 283,000 | $ 178,000 |
| Jackson, TN | 1 | $ 103,000 | $ 103,000 | $ 136,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 43,000 | $ 43,000 | $ 55,000 |
| Orlando-Kissimmee, FL | 1 | $ 178,000 | $ 178,000 | $ 110,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 300,000 | $ 300,000 | $ 261,000 |
| Tacoma, WA | 1 | $ 197,000 | $ 197,000 | $ 517,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2008
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 | 2,237 | $350,106,000 | $156,000 | $2,566,000 | $85,000 | $1,472,000 |
| Home Purchase | 1,889 | $292,723,000 | $154,000 | $2,650,000 | $79,000 | $4,360,000 |
| Home Improvement | 189 | $16,936,000 | $89,000 | $570,000 | $79,000 | $968,000 |
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 | 3,530 | $522,085,000 | $147,000 | $2,650,000 | $85,000 | $4,360,000 |
| Not Provided | 240 | $36,648,000 | $152,000 | $1,932,000 | $80,000 | $664,000 |
| Black or African American | 206 | $23,830,000 | $115,000 | $502,000 | $57,000 | $275,000 |
| Hispanic | 114 | $13,408,000 | $117,000 | $417,000 | $58,000 | $420,000 |
| Not applicable | 105 | $42,362,000 | $403,000 | $2,636,000 | $0 | $0 |
| Asian | 97 | $18,648,000 | $192,000 | $550,000 | $116,000 | $1,052,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $1,307,000 | $100,000 | $178,000 | $119,000 | $617,000 |
| American Indian or Alaskan Native | 10 | $1,477,000 | $147,000 | $493,000 | $180,000 | $766,000 |
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) | 4,053 | $625,580,000 | $154,000 | $2,650,000 | $84,000 | $4,360,000 |
| FHA-insured (Federal Housing Administration) | 233 | $29,192,000 | $125,000 | $372,000 | $54,000 | $182,000 |
| VA-guaranteed (Veterans Administration) | 26 | $4,592,000 | $176,000 | $286,000 | $75,000 | $131,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $401,000 | $133,000 | $148,000 | $49,000 | $67,000 |
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 | 2,519 | $371,705,000 | $147,000 | $2,650,000 | $89,000 | $4,360,000 |
| Application Denied By Financial Institution | 826 | $120,639,000 | $146,000 | $2,636,000 | $61,000 | $713,000 |
| Application Approved But Not Accepted | 627 | $99,684,000 | $158,000 | $1,932,000 | $91,000 | $1,059,000 |
| Application Withdrawn By Applicant | 336 | $66,736,000 | $198,000 | $2,566,000 | $69,000 | $617,000 |
| Loan Purchased By The Institution | 7 | $1,001,000 | $143,000 | $204,000 | $37,000 | $46,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 316 | $49,726,000 | $157,000 | $1,445,000 | $52,000 | $420,000 |
| Credit History | 284 | $34,966,000 | $123,000 | $600,000 | $65,000 | $713,000 |
| Collateral | 80 | $13,913,000 | $173,000 | $2,281,000 | $84,000 | $565,000 |
| Other | 79 | $14,962,000 | $189,000 | $2,636,000 | $72,000 | $224,000 |
| Employment History | 38 | $3,912,000 | $102,000 | $323,000 | $42,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $1,429,000 | $109,000 | $214,000 | $69,000 | $120,000 |
| Mortgage Insurance Denied | 10 | $1,099,000 | $109,000 | $198,000 | $59,000 | $98,000 |
| Unverifiable Information | 6 | $632,000 | $105,000 | $210,000 | $34,000 | $138,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2008 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About