Republic Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Republic Bank & Trust of Louisville, KY reported 3,093 mortgage applications totaling $694.2 million, down 49% from 2013. The average application was for $224,428, and applicants reported an average income of $89,294. 52% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,939), Lexington-Fayette, KY (279) and San Jose-Sunnyvale-Santa Clara, CA (138) (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 | 3,093 |
| Total Mortgage Loan Application Amount | $694,158,000 |
| Average Mortgage Loan Application Amount | $224,428 |
| Highest Mortgage Loan Application Amount | $11,100,000 |
| Average Applicant Income | $89,294 |
| Highest Applicant Income | $9,600,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,939 | $ 316,124,000 | $ 163,034 | $ 100,848 |
| Lexington-Fayette, KY | 279 | $ 60,382,000 | $ 216,422 | $ 84,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 138 | $ 94,765,000 | $ 686,702 | $ 0 |
| Owensboro, KY | 115 | $ 14,152,000 | $ 123,060 | $ 81,000 |
| Cincinnati, OH-KY-IN | 100 | $ 29,238,000 | $ 292,380 | $ 146,600 |
| Elizabethtown-Fort Knox, KY | 92 | $ 9,542,000 | $ 103,717 | $ 62,000 |
| Oakland-Hayward-Berkeley, CA | 69 | $ 48,192,000 | $ 698,434 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 40 | $ 6,869,000 | $ 171,725 | $ 99,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 30 | $ 8,956,000 | $ 298,533 | $ 231,000 |
| Los Angeles-Long Beach-Glendale, CA | 24 | $ 14,494,000 | $ 603,916 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 22 | $ 16,624,000 | $ 755,636 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 13 | $ 10,599,000 | $ 815,307 | $ 0 |
| Silver Spring-Frederick-Rockville, MD | 7 | $ 4,882,000 | $ 697,428 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 4,703,000 | $ 671,857 | $ 48,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 2,263,000 | $ 377,166 | $ 117,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 3,101,000 | $ 516,833 | $ 0 |
| Newark, NJ-PA | 5 | $ 4,914,000 | $ 982,800 | $ 0 |
| San Diego-Carlsbad, CA | 5 | $ 3,272,000 | $ 654,400 | $ 0 |
| Chicago-Naperville-Arlington Heights, IL | 4 | $ 1,193,000 | $ 298,250 | $ 32,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 2,803,000 | $ 700,750 | $ 308,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 701,000 | $ 175,250 | $ 217,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 2,687,000 | $ 671,750 | $ 0 |
| Bowling Green, KY | 3 | $ 299,000 | $ 99,666 | $ 139,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 804,000 | $ 268,000 | $ 45,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 1,055,000 | $ 351,666 | $ 40,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 1,194,000 | $ 398,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 623,000 | $ 207,666 | $ 87,000 |
| Panama City, FL | 3 | $ 309,000 | $ 103,000 | $ 93,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 613,000 | $ 306,500 | $ 0 |
| Cleveland-Elyria, OH | 2 | $ 184,000 | $ 92,000 | $ 59,000 |
| Columbus, OH | 2 | $ 665,000 | $ 332,500 | $ 325,000 |
| Homosassa Springs, FL | 2 | $ 348,000 | $ 174,000 | $ 158,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 810,000 | $ 405,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 1,540,000 | $ 770,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,042,000 | $ 521,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,327,000 | $ 663,500 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 555,000 | $ 277,500 | $ 0 |
| Richmond, VA | 2 | $ 334,000 | $ 167,000 | $ 71,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 582,000 | $ 582,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Brunswick, GA | 1 | $ 397,000 | $ 397,000 | $ 425,000 |
| Clarksville, TN-KY | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 747,000 | $ 747,000 | $ 0 |
| Elgin, IL | 1 | $ 536,000 | $ 536,000 | $ 0 |
| Gettysburg, PA | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 222,000 | $ 222,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Ocean City, NJ | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 264,000 | $ 264,000 | $ 250,000 |
| San Rafael, CA | 1 | $ 819,000 | $ 819,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 779,000 | $ 779,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 132,000 | $ 132,000 | $ 187,000 |
| Tallahassee, FL | 1 | $ 296,000 | $ 296,000 | $ 85,000 |
| Terre Haute, IN | 1 | $ 47,000 | $ 47,000 | $ 24,000 |
| Toledo, OH | 1 | $ 98,000 | $ 98,000 | $ 192,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 145,000 | $ 145,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 237,000 | $ 237,000 | $ 117,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,757 | $395,923,000 | $225,000 | $3,300,000 | $99,000 | $9,600,000 |
| Refinancing | 999 | $267,883,000 | $268,000 | $11,100,000 | $73,000 | $2,448,000 |
| Home Improvement | 337 | $30,352,000 | $90,000 | $2,748,000 | $87,000 | $743,000 |
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 | 2,301 | $371,686,000 | $161,000 | $2,310,000 | $109,000 | $9,600,000 |
| Not applicable | 482 | $280,278,000 | $581,000 | $11,100,000 | $0 | $0 |
| Black or African American | 106 | $11,077,000 | $104,000 | $603,000 | $61,000 | $360,000 |
| Not Provided | 103 | $16,188,000 | $157,000 | $725,000 | $114,000 | $673,000 |
| Hispanic | 59 | $7,265,000 | $123,000 | $376,000 | $49,000 | $129,000 |
| Asian | 29 | $4,708,000 | $162,000 | $1,000,000 | $83,000 | $437,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,126,000 | $303,000 | $702,000 | $198,000 | $420,000 |
| American Indian or Alaskan Native | 6 | $830,000 | $138,000 | $498,000 | $80,000 | $215,000 |
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) | 2,957 | $677,442,000 | $229,000 | $11,100,000 | $91,000 | $9,600,000 |
| FHA-insured (Federal Housing Administration) | 114 | $13,857,000 | $121,000 | $270,000 | $53,000 | $272,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,803,000 | $138,000 | $289,000 | $55,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,056,000 | $117,000 | $174,000 | $43,000 | $105,000 |
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 | 1,610 | $271,609,000 | $168,000 | $2,740,000 | $107,000 | $3,000,000 |
| Application Denied By Financial Institution | 635 | $90,439,000 | $142,000 | $2,310,000 | $77,000 | $2,448,000 |
| Application Withdrawn By Applicant | 393 | $88,651,000 | $225,000 | $11,100,000 | $92,000 | $1,400,000 |
| Loan Purchased By The Institution | 354 | $226,986,000 | $641,000 | $2,000,000 | $2,000 | $130,000 |
| File Closed For Incompleteness | 86 | $14,409,000 | $167,000 | $1,890,000 | $187,000 | $9,600,000 |
| Application Approved But Not Accepted | 15 | $2,064,000 | $137,000 | $490,000 | $113,000 | $480,000 |
| 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 | 270 | $25,918,000 | $95,000 | $610,000 | $76,000 | $2,448,000 |
| Debt-To-Income Ratio | 200 | $36,538,000 | $182,000 | $2,310,000 | $64,000 | $540,000 |
| Collateral | 88 | $13,338,000 | $151,000 | $1,170,000 | $123,000 | $760,000 |
| Other | 42 | $9,410,000 | $224,000 | $1,410,000 | $62,000 | $600,000 |
| Employment History | 31 | $4,280,000 | $138,000 | $417,000 | $73,000 | $452,000 |
| Unverifiable Information | 4 | $955,000 | $238,000 | $444,000 | $62,000 | $160,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2014 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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