Republic Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Republic Bank & Trust of Louisville, KY reported 7,782 mortgage applications totaling $1.2 billion, up 80% from 2008. The average application was for $155,606, and applicants reported an average income of $88,255. 67% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (5,391), Lexington-Fayette, KY (1,034) and Owensboro, KY (350) (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 | 7,782 |
| Total Mortgage Loan Application Amount | $1,210,931,000 |
| Average Mortgage Loan Application Amount | $155,606 |
| Highest Mortgage Loan Application Amount | $1,640,000 |
| Average Applicant Income | $88,255 |
| Highest Applicant Income | $2,262,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 5,391 | $ 862,730,000 | $ 160,031 | $ 89,445 |
| Lexington-Fayette, KY | 1,034 | $ 170,470,000 | $ 164,864 | $ 98,000 |
| Owensboro, KY | 350 | $ 42,493,000 | $ 121,408 | $ 74,000 |
| Elizabethtown, KY | 258 | $ 33,530,000 | $ 129,961 | $ 64,000 |
| Bowling Green, KY | 217 | $ 26,132,000 | $ 120,423 | $ 67,000 |
| Cincinnati-Middletown, OH-KY-IN | 159 | $ 26,352,000 | $ 165,735 | $ 82,641 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 1,043,000 | $ 208,600 | $ 369,000 |
| Indianapolis-Carmel, IN | 4 | $ 705,000 | $ 176,250 | $ 168,000 |
| Charleston-North Charleston-Summerville, SC | 3 | $ 1,437,000 | $ 479,000 | $ 82,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 3 | $ 431,000 | $ 143,666 | $ 131,000 |
| Bloomington, IN | 2 | $ 448,000 | $ 224,000 | $ 100,000 |
| Clarksville, TN-KY | 2 | $ 265,000 | $ 132,500 | $ 187,000 |
| Evansville, IN-KY | 2 | $ 246,000 | $ 123,000 | $ 54,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 74,000 | $ 74,000 | $ 45,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 131,000 | $ 131,000 | $ 334,000 |
| Naples-Marco Island, FL | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Savannah, GA | 1 | $ 255,000 | $ 255,000 | $ 114,000 |
| Sebastian-Vero Beach, FL | 1 | $ 417,000 | $ 417,000 | $ 1,303,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2009
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 | 5,633 | $906,373,000 | $160,000 | $1,400,000 | $92,000 | $2,262,000 |
| Home Purchase | 1,833 | $266,361,000 | $145,000 | $1,640,000 | $78,000 | $1,389,000 |
| Home Improvement | 316 | $38,197,000 | $120,000 | $946,000 | $81,000 | $680,000 |
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 | 6,866 | $1,063,500,000 | $154,000 | $1,640,000 | $89,000 | $2,262,000 |
| Not Provided | 253 | $38,857,000 | $153,000 | $550,000 | $88,000 | $1,052,000 |
| Black or African American | 225 | $31,579,000 | $140,000 | $1,359,000 | $69,000 | $603,000 |
| Asian | 200 | $39,049,000 | $195,000 | $1,400,000 | $116,000 | $1,412,000 |
| Hispanic | 156 | $20,638,000 | $132,000 | $1,026,000 | $64,000 | $715,000 |
| Not applicable | 44 | $10,680,000 | $242,000 | $965,000 | $0 | $0 |
| American Indian or Alaskan Native | 20 | $2,738,000 | $136,000 | $232,000 | $76,000 | $163,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $3,890,000 | $216,000 | $417,000 | $108,000 | $303,000 |
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) | 7,380 | $1,158,118,000 | $156,000 | $1,640,000 | $90,000 | $2,262,000 |
| FHA-insured (Federal Housing Administration) | 362 | $46,862,000 | $129,000 | $298,000 | $53,000 | $221,000 |
| VA-guaranteed (Veterans Administration) | 33 | $5,170,000 | $156,000 | $423,000 | $61,000 | $195,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $781,000 | $111,000 | $153,000 | $36,000 | $57,000 |
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 | 5,231 | $807,882,000 | $154,000 | $1,640,000 | $91,000 | $1,972,000 |
| Application Denied By Financial Institution | 1,218 | $185,886,000 | $152,000 | $1,359,000 | $76,000 | $2,262,000 |
| Application Withdrawn By Applicant | 846 | $138,269,000 | $163,000 | $1,400,000 | $87,000 | $1,412,000 |
| File Closed For Incompleteness | 395 | $64,408,000 | $163,000 | $820,000 | $91,000 | $750,000 |
| Application Approved But Not Accepted | 92 | $14,486,000 | $157,000 | $600,000 | $94,000 | $690,000 |
| 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 | 356 | $57,215,000 | $160,000 | $1,359,000 | $51,000 | $390,000 |
| Credit History | 314 | $41,864,000 | $133,000 | $1,163,000 | $73,000 | $1,175,000 |
| Other | 238 | $36,379,000 | $152,000 | $980,000 | $113,000 | $2,262,000 |
| Collateral | 174 | $31,002,000 | $178,000 | $946,000 | $89,000 | $934,000 |
| Employment History | 49 | $5,746,000 | $117,000 | $411,000 | $59,000 | $163,000 |
| Mortgage Insurance Denied | 45 | $6,510,000 | $144,000 | $353,000 | $67,000 | $200,000 |
| Credit Application Incomplete | 26 | $4,024,000 | $154,000 | $417,000 | $89,000 | $314,000 |
| Unverifiable Information | 12 | $2,626,000 | $218,000 | $800,000 | $87,000 | $275,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $520,000 | $130,000 | $270,000 | $72,000 | $135,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2009 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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