Republic Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Republic Bank & Trust of Louisville, KY reported 3,477 mortgage applications totaling $708.8 million, up 12% from 2014. The average application was for $203,857, and applicants reported an average income of $94,504. 61% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (2,209), Lexington-Fayette, KY (373) and Owensboro, KY (146) (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 | 3,477 |
| Total Mortgage Loan Application Amount | $708,814,000 |
| Average Mortgage Loan Application Amount | $203,857 |
| Highest Mortgage Loan Application Amount | $9,266,000 |
| Average Applicant Income | $94,504 |
| Highest Applicant Income | $4,367,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,209 | $ 376,370,000 | $ 170,380 | $ 98,717 |
| Lexington-Fayette, KY | 373 | $ 63,168,000 | $ 169,351 | $ 94,000 |
| Owensboro, KY | 146 | $ 19,038,000 | $ 130,397 | $ 75,000 |
| Cincinnati, OH-KY-IN | 120 | $ 39,952,000 | $ 332,933 | $ 109,041 |
| Elizabethtown-Fort Knox, KY | 94 | $ 11,703,000 | $ 124,500 | $ 71,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 65 | $ 15,724,000 | $ 241,907 | $ 172,000 |
| Tampa-St. Petersburg-Clearwater, FL | 56 | $ 10,834,000 | $ 193,464 | $ 75,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 46 | $ 31,658,000 | $ 688,217 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 23 | $ 14,423,000 | $ 627,086 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 21 | $ 10,697,000 | $ 509,380 | $ 126,666 |
| Anaheim-Santa Ana-Irvine, CA | 15 | $ 11,681,000 | $ 778,733 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 10 | $ 8,252,000 | $ 825,200 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 9 | $ 6,428,000 | $ 714,222 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 1,848,000 | $ 231,000 | $ 81,000 |
| Cleveland-Elyria, OH | 7 | $ 1,366,000 | $ 195,142 | $ 85,000 |
| Richmond, VA | 7 | $ 2,562,000 | $ 366,000 | $ 129,000 |
| Bowling Green, KY | 6 | $ 838,000 | $ 139,666 | $ 200,000 |
| Columbus, OH | 6 | $ 968,000 | $ 161,333 | $ 151,000 |
| Evansville, IN-KY | 6 | $ 5,107,000 | $ 851,166 | $ 34,666 |
| New York-Jersey City-White Plains, NY-NJ | 6 | $ 3,341,000 | $ 556,833 | $ 0 |
| Silver Spring-Frederick-Rockville, MD | 6 | $ 3,072,000 | $ 512,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,282,000 | $ 256,400 | $ 77,000 |
| Memphis, TN-MS-AR | 5 | $ 1,202,000 | $ 240,400 | $ 119,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 1,270,000 | $ 254,000 | $ 121,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 1,471,000 | $ 294,200 | $ 135,000 |
| San Diego-Carlsbad, CA | 5 | $ 2,801,000 | $ 560,200 | $ 0 |
| Akron, OH | 4 | $ 1,105,000 | $ 276,250 | $ 105,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 679,000 | $ 169,750 | $ 48,000 |
| Chicago-Naperville-Arlington Heights, IL | 4 | $ 2,800,000 | $ 700,000 | $ 0 |
| Dayton, OH | 4 | $ 9,272,000 | $ 2,318,000 | $ 24,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,990,000 | $ 497,500 | $ 0 |
| Bloomington, IN | 3 | $ 551,000 | $ 183,666 | $ 119,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 1,119,000 | $ 373,000 | $ 193,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 2,355,000 | $ 785,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 394,000 | $ 197,000 | $ 88,000 |
| Duluth, MN-WI | 2 | $ 237,000 | $ 118,500 | $ 81,000 |
| Gainesville, FL | 2 | $ 223,000 | $ 111,500 | $ 69,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 5,565,000 | $ 2,782,500 | $ 164,000 |
| Knoxville, TN | 2 | $ 519,000 | $ 259,500 | $ 185,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 502,000 | $ 251,000 | $ 111,000 |
| Ocala, FL | 2 | $ 392,000 | $ 196,000 | $ 112,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 329,000 | $ 164,500 | $ 91,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 1,209,000 | $ 604,500 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 634,000 | $ 317,000 | $ 0 |
| The Villages, FL | 2 | $ 391,000 | $ 195,500 | $ 202,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 320,000 | $ 160,000 | $ 72,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 200,000 | $ 200,000 | $ 64,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 501,000 | $ 501,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 458,000 | $ 458,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 541,000 | $ 541,000 | $ 0 |
| Columbus, IN | 1 | $ 469,000 | $ 469,000 | $ 976,000 |
| Dallas-Plano-Irving, TX | 1 | $ 706,000 | $ 706,000 | $ 0 |
| Fayetteville, NC | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Fresno, CA | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Jacksonville, FL | 1 | $ 410,000 | $ 410,000 | $ 290,000 |
| Lafayette-West Lafayette, IN | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 620,000 | $ 620,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 224,000 | $ 224,000 | $ 75,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Napa, CA | 1 | $ 1,308,000 | $ 1,308,000 | $ 0 |
| Panama City, FL | 1 | $ 76,000 | $ 76,000 | $ 91,000 |
| Philadelphia, PA | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 360,000 | $ 360,000 | $ 260,000 |
| Salinas, CA | 1 | $ 1,386,000 | $ 1,386,000 | $ 0 |
| San Antonio-New Braunfels, TX | 1 | $ 572,000 | $ 572,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 476,000 | $ 476,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,385,000 | $ 1,385,000 | $ 0 |
| Savannah, GA | 1 | $ 264,000 | $ 264,000 | $ 128,000 |
| St. George, UT | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 206,000 | $ 206,000 | $ 0 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2015
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 | 1,778 | $402,421,000 | $226,000 | $9,266,000 | $94,000 | $3,393,000 |
| Refinancing | 1,348 | $280,668,000 | $208,000 | $5,600,000 | $94,000 | $4,367,000 |
| Home Improvement | 351 | $25,725,000 | $73,000 | $1,350,000 | $99,000 | $620,000 |
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 | 2,656 | $441,115,000 | $166,000 | $2,284,000 | $107,000 | $4,367,000 |
| Not applicable | 428 | $211,050,000 | $493,000 | $9,266,000 | $0 | $0 |
| Black or African American | 157 | $15,611,000 | $99,000 | $563,000 | $77,000 | $1,032,000 |
| Not Provided | 80 | $9,779,000 | $122,000 | $481,000 | $127,000 | $620,000 |
| Hispanic | 75 | $12,121,000 | $161,000 | $625,000 | $104,000 | $599,000 |
| Asian | 72 | $15,789,000 | $219,000 | $955,000 | $138,000 | $665,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $3,010,000 | $430,000 | $960,000 | $380,000 | $720,000 |
| American Indian or Alaskan Native | 2 | $339,000 | $169,000 | $265,000 | $71,000 | $89,000 |
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) | 3,320 | $689,676,000 | $207,000 | $9,266,000 | $96,000 | $4,367,000 |
| FHA-insured (Federal Housing Administration) | 129 | $15,577,000 | $120,000 | $276,000 | $53,000 | $395,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,900,000 | $135,000 | $205,000 | $45,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,661,000 | $118,000 | $327,000 | $61,000 | $192,000 |
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 | 2,122 | $399,018,000 | $188,000 | $9,266,000 | $104,000 | $4,367,000 |
| Application Denied By Financial Institution | 576 | $81,958,000 | $142,000 | $2,284,000 | $83,000 | $976,000 |
| Application Withdrawn By Applicant | 449 | $85,970,000 | $191,000 | $5,600,000 | $94,000 | $741,000 |
| Loan Purchased By The Institution | 182 | $111,078,000 | $610,000 | $2,000,000 | $0 | $0 |
| File Closed For Incompleteness | 126 | $23,378,000 | $185,000 | $1,050,000 | $119,000 | $1,044,000 |
| Application Approved But Not Accepted | 22 | $7,412,000 | $336,000 | $3,000,000 | $76,000 | $316,000 |
| 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 | 251 | $26,674,000 | $106,000 | $567,000 | $81,000 | $620,000 |
| Debt-To-Income Ratio | 135 | $22,480,000 | $166,000 | $2,284,000 | $62,000 | $544,000 |
| Collateral | 116 | $19,152,000 | $165,000 | $869,000 | $121,000 | $976,000 |
| Other | 45 | $9,238,000 | $205,000 | $1,470,000 | $67,000 | $482,000 |
| Employment History | 18 | $2,714,000 | $150,000 | $645,000 | $67,000 | $151,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,010,000 | $168,000 | $438,000 | $47,000 | $115,000 |
| Unverifiable Information | 5 | $690,000 | $138,000 | $263,000 | $114,000 | $304,000 |
| Credit Application Incomplete | 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 2015 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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with aggregated HMDA statistics today.
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