Republic Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Republic Bank & Trust of Louisville, KY reported 6,037 mortgage applications totaling $913.2 million, down 8% from 2012. The average application was for $151,262, and applicants reported an average income of $94,127. 58% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (4,274), Lexington-Fayette, KY (680) and Owensboro, KY (296) (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 | 6,037 |
| Total Mortgage Loan Application Amount | $913,170,000 |
| Average Mortgage Loan Application Amount | $151,262 |
| Highest Mortgage Loan Application Amount | $5,855,000 |
| Average Applicant Income | $94,127 |
| Highest Applicant Income | $4,304,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,274 | $ 631,772,000 | $ 147,817 | $ 96,445 |
| Lexington-Fayette, KY | 680 | $ 108,938,000 | $ 160,202 | $ 84,000 |
| Owensboro, KY | 296 | $ 29,814,000 | $ 100,722 | $ 64,000 |
| Elizabethtown, KY | 221 | $ 31,521,000 | $ 142,628 | $ 67,000 |
| Cincinnati-Middletown, OH-KY-IN | 158 | $ 34,263,000 | $ 216,854 | $ 115,056 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 48 | $ 10,476,000 | $ 218,250 | $ 125,000 |
| Tampa-St. Petersburg-Clearwater, FL | 44 | $ 6,041,000 | $ 137,295 | $ 95,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 24 | $ 11,356,000 | $ 473,166 | $ 172,000 |
| Bowling Green, KY | 11 | $ 1,224,000 | $ 111,272 | $ 152,000 |
| Indianapolis-Carmel, IN | 5 | $ 461,000 | $ 92,200 | $ 77,000 |
| Naples-Marco Island, FL | 4 | $ 4,816,000 | $ 1,204,000 | $ 352,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 1,311,000 | $ 327,750 | $ 150,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 339,000 | $ 113,000 | $ 108,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 1,329,000 | $ 664,500 | $ 260,000 |
| Clarksville, TN-KY | 2 | $ 222,000 | $ 111,000 | $ 91,000 |
| Dayton, OH | 2 | $ 235,000 | $ 117,500 | $ 163,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 3,820,000 | $ 1,910,000 | $ 2,259,000 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 2,328,000 | $ 1,164,000 | $ 412,000 |
| Baltimore-Towson, MD | 1 | $ 292,000 | $ 292,000 | $ 73,000 |
| Boulder, CO | 1 | $ 160,000 | $ 160,000 | $ 590,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 400,000 | $ 400,000 | $ 63,000 |
| Chicago-Joliet-Naperville, IL | 1 | $ 452,000 | $ 452,000 | $ 4,304,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 314,000 | $ 314,000 | $ 143,000 |
| Evansville, IN-KY | 1 | $ 54,000 | $ 54,000 | $ 48,000 |
| Gainesville, FL | 1 | $ 113,000 | $ 113,000 | $ 600,000 |
| Huntsville, AL | 1 | $ 129,000 | $ 129,000 | $ 50,000 |
| Lakeland-Winter Haven, FL | 1 | $ 376,000 | $ 376,000 | $ 155,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 80,000 | $ 80,000 | $ 94,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 95,000 | $ 95,000 | $ 77,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 196,000 | $ 196,000 | $ 184,000 |
| Port St. Lucie, FL | 1 | $ 50,000 | $ 50,000 | $ 86,000 |
| St. Louis, MO-IL | 1 | $ 190,000 | $ 190,000 | $ 100,000 |
| Tallahassee, FL | 1 | $ 199,000 | $ 199,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2013
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 | 3,755 | $566,938,000 | $150,000 | $5,855,000 | $89,000 | $3,455,000 |
| Home Purchase | 1,814 | $305,845,000 | $168,000 | $3,000,000 | $104,000 | $4,304,000 |
| Home Improvement | 468 | $40,387,000 | $86,000 | $740,000 | $97,000 | $3,389,000 |
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 | 5,137 | $745,014,000 | $145,000 | $3,000,000 | $98,000 | $3,722,000 |
| Not Provided | 363 | $43,514,000 | $119,000 | $777,000 | $85,000 | $626,000 |
| Black or African American | 185 | $22,710,000 | $122,000 | $872,000 | $92,000 | $4,304,000 |
| Not applicable | 133 | $69,340,000 | $521,000 | $5,855,000 | $0 | $0 |
| Asian | 109 | $17,583,000 | $161,000 | $1,000,000 | $119,000 | $632,000 |
| Hispanic | 90 | $11,506,000 | $127,000 | $417,000 | $69,000 | $350,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,364,000 | $236,000 | $790,000 | $152,000 | $363,000 |
| American Indian or Alaskan Native | 10 | $1,139,000 | $113,000 | $295,000 | $85,000 | $277,000 |
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) | 5,786 | $882,462,000 | $152,000 | $5,855,000 | $96,000 | $4,304,000 |
| FHA-insured (Federal Housing Administration) | 216 | $24,932,000 | $115,000 | $291,000 | $52,000 | $226,000 |
| VA-guaranteed (Veterans Administration) | 29 | $4,829,000 | $166,000 | $382,000 | $69,000 | $218,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $947,000 | $157,000 | $247,000 | $49,000 | $109,000 |
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 | 3,479 | $529,896,000 | $152,000 | $3,000,000 | $104,000 | $4,304,000 |
| Application Denied By Financial Institution | 1,242 | $180,354,000 | $145,000 | $2,000,000 | $79,000 | $1,768,000 |
| Application Withdrawn By Applicant | 867 | $131,605,000 | $151,000 | $1,560,000 | $82,000 | $709,000 |
| File Closed For Incompleteness | 329 | $48,415,000 | $147,000 | $720,000 | $93,000 | $730,000 |
| Loan Purchased By The Institution | 82 | $9,487,000 | $115,000 | $417,000 | $67,000 | $575,000 |
| Application Approved But Not Accepted | 38 | $13,413,000 | $352,000 | $5,855,000 | $104,000 | $312,000 |
| 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 | 426 | $49,038,000 | $115,000 | $750,000 | $74,000 | $1,454,000 |
| Debt-To-Income Ratio | 405 | $56,274,000 | $138,000 | $1,225,000 | $60,000 | $436,000 |
| Collateral | 205 | $34,739,000 | $169,000 | $2,000,000 | $120,000 | $1,768,000 |
| Other | 135 | $29,471,000 | $218,000 | $1,830,000 | $91,000 | $1,025,000 |
| Employment History | 37 | $4,664,000 | $126,000 | $387,000 | $54,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $468,000 | $234,000 | $417,000 | $165,000 | $287,000 |
| Mortgage Insurance Denied | 1 | $230,000 | $230,000 | $230,000 | $94,000 | $94,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2013 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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