Republic Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Republic Bank & Trust of Louisville, KY reported 6,571 mortgage applications totaling $1.0 billion, up 66% from 2011. The average application was for $153,856, and applicants reported an average income of $93,411. 60% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (4,602), Lexington-Fayette, KY (697) and Owensboro, KY (342) (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 | 6,571 |
| Total Mortgage Loan Application Amount | $1,010,993,000 |
| Average Mortgage Loan Application Amount | $153,856 |
| Highest Mortgage Loan Application Amount | $7,700,000 |
| Average Applicant Income | $93,411 |
| Highest Applicant Income | $2,325,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,602 | $ 677,460,000 | $ 147,209 | $ 94,860 |
| Lexington-Fayette, KY | 697 | $ 109,932,000 | $ 157,721 | $ 101,000 |
| Owensboro, KY | 342 | $ 36,153,000 | $ 105,710 | $ 72,000 |
| Elizabethtown, KY | 205 | $ 23,782,000 | $ 116,009 | $ 71,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 202 | $ 57,377,000 | $ 284,044 | $ 19,000 |
| Cincinnati-Middletown, OH-KY-IN | 171 | $ 37,880,000 | $ 221,520 | $ 147,754 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 59 | $ 15,436,000 | $ 261,627 | $ 89,000 |
| Tampa-St. Petersburg-Clearwater, FL | 29 | $ 6,322,000 | $ 218,000 | $ 182,000 |
| St. Cloud, MN | 8 | $ 870,000 | $ 108,750 | $ 0 |
| Bowling Green, KY | 6 | $ 929,000 | $ 154,833 | $ 231,000 |
| Bloomington, IN | 5 | $ 1,359,000 | $ 271,800 | $ 187,000 |
| Clarksville, TN-KY | 3 | $ 531,000 | $ 177,000 | $ 194,000 |
| Naples-Marco Island, FL | 3 | $ 1,422,000 | $ 474,000 | $ 322,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 1,231,000 | $ 615,500 | $ 227,000 |
| Kansas City, MO-KS | 2 | $ 334,000 | $ 167,000 | $ 0 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 915,000 | $ 457,500 | $ 179,000 |
| Pascagoula, MS | 2 | $ 198,000 | $ 99,000 | $ 0 |
| Toledo, OH | 2 | $ 417,000 | $ 208,500 | $ 621,000 |
| Birmingham-Hoover, AL | 1 | $ 79,000 | $ 79,000 | $ 629,000 |
| Dayton, OH | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Fargo, ND-MN | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 400,000 | $ 400,000 | $ 657,000 |
| Gulfport-Biloxi, MS | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Huntsville, AL | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Indianapolis-Carmel, IN | 1 | $ 172,000 | $ 172,000 | $ 50,000 |
| Jackson, TN | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Jacksonville, FL | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 400,000 | $ 400,000 | $ 300,000 |
| Sebastian-Vero Beach, FL | 1 | $ 400,000 | $ 400,000 | $ 626,000 |
| Springfield, IL | 1 | $ 122,000 | $ 122,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 12,000 | $ 12,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2012
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 | 4,621 | $695,033,000 | $150,000 | $7,700,000 | $93,000 | $1,500,000 |
| Home Purchase | 1,384 | $259,550,000 | $187,000 | $3,146,000 | $97,000 | $2,325,000 |
| Home Improvement | 566 | $56,410,000 | $99,000 | $2,009,000 | $88,000 | $1,139,000 |
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 | 5,282 | $793,589,000 | $150,000 | $7,700,000 | $99,000 | $2,325,000 |
| Not Provided | 633 | $81,970,000 | $129,000 | $951,000 | $92,000 | $855,000 |
| Not applicable | 241 | $80,732,000 | $334,000 | $5,000,000 | $0 | $0 |
| Black or African American | 211 | $23,183,000 | $109,000 | $650,000 | $67,000 | $344,000 |
| Asian | 103 | $17,611,000 | $170,000 | $790,000 | $117,000 | $479,000 |
| Hispanic | 80 | $11,411,000 | $142,000 | $600,000 | $84,000 | $629,000 |
| American Indian or Alaskan Native | 14 | $1,541,000 | $110,000 | $257,000 | $75,000 | $464,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $956,000 | $136,000 | $216,000 | $96,000 | $189,000 |
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) | 6,344 | $980,575,000 | $154,000 | $7,700,000 | $95,000 | $2,325,000 |
| FHA-insured (Federal Housing Administration) | 203 | $26,295,000 | $129,000 | $361,000 | $54,000 | $196,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,859,000 | $175,000 | $390,000 | $66,000 | $167,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $264,000 | $132,000 | $166,000 | $34,000 | $36,000 |
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 | 3,915 | $566,653,000 | $144,000 | $2,000,000 | $102,000 | $2,325,000 |
| Application Denied By Financial Institution | 1,220 | $182,443,000 | $149,000 | $7,700,000 | $79,000 | $1,500,000 |
| Application Withdrawn By Applicant | 615 | $98,368,000 | $159,000 | $5,000,000 | $89,000 | $1,055,000 |
| File Closed For Incompleteness | 430 | $66,636,000 | $154,000 | $1,130,000 | $99,000 | $1,191,000 |
| Loan Purchased By The Institution | 333 | $87,903,000 | $263,000 | $3,146,000 | $36,000 | $1,139,000 |
| Application Approved But Not Accepted | 58 | $8,990,000 | $155,000 | $600,000 | $132,000 | $1,120,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 478 | $71,905,000 | $150,000 | $998,000 | $56,000 | $500,000 |
| Credit History | 293 | $34,900,000 | $119,000 | $1,500,000 | $77,000 | $770,000 |
| Collateral | 280 | $43,252,000 | $154,000 | $727,000 | $112,000 | $1,500,000 |
| Other | 112 | $25,386,000 | $226,000 | $7,700,000 | $108,000 | $695,000 |
| Employment History | 46 | $5,293,000 | $115,000 | $299,000 | $71,000 | $500,000 |
| Unverifiable Information | 6 | $894,000 | $149,000 | $320,000 | $58,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $256,000 | $85,000 | $124,000 | $47,000 | $82,000 |
| Mortgage Insurance Denied | 1 | $140,000 | $140,000 | $140,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 1 | $417,000 | $417,000 | $417,000 | $172,000 | $172,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2012 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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