Republic Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Republic Bank & Trust of Louisville, KY reported 3,970 mortgage applications totaling $599.6 million, down 27% from 2010. The average application was for $151,022, and applicants reported an average income of $99,697. 61% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (2,863), Lexington-Fayette, KY (439) and Owensboro, KY (193) (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 | 3,970 |
| Total Mortgage Loan Application Amount | $599,558,000 |
| Average Mortgage Loan Application Amount | $151,022 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $99,697 |
| Highest Applicant Income | $2,232,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,863 | $ 430,824,000 | $ 150,479 | $ 97,859 |
| Lexington-Fayette, KY | 439 | $ 71,810,000 | $ 163,576 | $ 114,000 |
| Owensboro, KY | 193 | $ 19,235,000 | $ 99,663 | $ 73,000 |
| Elizabethtown, KY | 144 | $ 16,682,000 | $ 115,847 | $ 71,000 |
| Cincinnati-Middletown, OH-KY-IN | 118 | $ 30,979,000 | $ 262,533 | $ 158,881 |
| Bowling Green, KY | 47 | $ 5,870,000 | $ 124,893 | $ 82,000 |
| Bloomington, IN | 6 | $ 2,366,000 | $ 394,333 | $ 381,000 |
| Naples-Marco Island, FL | 3 | $ 740,000 | $ 246,666 | $ 400,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 151,000 | $ 75,500 | $ 80,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 22,000 | $ 22,000 | $ 76,000 |
| Wilmington, NC | 1 | $ 184,000 | $ 184,000 | $ 0 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2011
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 | 2,443 | $378,663,000 | $154,000 | $2,279,000 | $100,000 | $1,759,000 |
| Home Purchase | 1,127 | $186,408,000 | $165,000 | $2,500,000 | $100,000 | $2,191,000 |
| Home Improvement | 400 | $34,487,000 | $86,000 | $1,000,000 | $97,000 | $2,232,000 |
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 | 3,347 | $499,516,000 | $149,000 | $2,279,000 | $102,000 | $2,232,000 |
| Not Provided | 302 | $37,981,000 | $125,000 | $940,000 | $93,000 | $581,000 |
| Black or African American | 112 | $14,707,000 | $131,000 | $830,000 | $104,000 | $578,000 |
| Not applicable | 75 | $24,112,000 | $321,000 | $2,500,000 | $0 | $0 |
| Asian | 72 | $14,504,000 | $201,000 | $820,000 | $121,000 | $600,000 |
| Hispanic | 53 | $7,493,000 | $141,000 | $600,000 | $90,000 | $500,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $772,000 | $154,000 | $370,000 | $48,000 | $94,000 |
| American Indian or Alaskan Native | 4 | $473,000 | $118,000 | $220,000 | $86,000 | $165,000 |
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) | 3,688 | $562,657,000 | $152,000 | $2,500,000 | $103,000 | $2,232,000 |
| FHA-insured (Federal Housing Administration) | 258 | $32,774,000 | $127,000 | $296,000 | $55,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,785,000 | $172,000 | $427,000 | $71,000 | $369,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $342,000 | $171,000 | $187,000 | $52,000 | $60,000 |
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 | 2,412 | $370,028,000 | $153,000 | $2,500,000 | $105,000 | $1,759,000 |
| Application Denied By Financial Institution | 842 | $114,222,000 | $135,000 | $2,279,000 | $89,000 | $2,232,000 |
| Application Withdrawn By Applicant | 416 | $70,259,000 | $168,000 | $2,100,000 | $91,000 | $1,029,000 |
| File Closed For Incompleteness | 238 | $36,084,000 | $151,000 | $1,100,000 | $95,000 | $742,000 |
| Application Approved But Not Accepted | 49 | $7,510,000 | $153,000 | $650,000 | $114,000 | $1,318,000 |
| Loan Purchased By The Institution | 13 | $1,455,000 | $111,000 | $150,000 | $3,000 | $39,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 263 | $27,425,000 | $104,000 | $930,000 | $72,000 | $458,000 |
| Debt-To-Income Ratio | 243 | $35,830,000 | $147,000 | $1,180,000 | $60,000 | $302,000 |
| Collateral | 225 | $34,998,000 | $155,000 | $2,279,000 | $134,000 | $2,191,000 |
| Other | 63 | $10,152,000 | $161,000 | $1,410,000 | $126,000 | $2,232,000 |
| Employment History | 41 | $4,488,000 | $109,000 | $333,000 | $64,000 | $208,000 |
| Unverifiable Information | 5 | $1,094,000 | $218,000 | $390,000 | $89,000 | $166,000 |
| Credit Application Incomplete | 1 | $130,000 | $130,000 | $130,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $105,000 | $105,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2011 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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