Republic Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Republic Bank & Trust of Louisville, KY reported 3,566 mortgage applications totaling $696.0 million, up 3% from 2015. The average application was for $195,167, and applicants reported an average income of $91,931. 64% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (2,162), Lexington-Fayette, KY (368) and Owensboro, KY (179) (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 | 3,566 |
| Total Mortgage Loan Application Amount | $695,968,000 |
| Average Mortgage Loan Application Amount | $195,167 |
| Highest Mortgage Loan Application Amount | $3,800,000 |
| Average Applicant Income | $91,931 |
| Highest Applicant Income | $1,749,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,162 | $ 349,591,000 | $ 161,697 | $ 89,947 |
| Lexington-Fayette, KY | 368 | $ 77,134,000 | $ 209,603 | $ 92,000 |
| Owensboro, KY | 179 | $ 29,220,000 | $ 163,240 | $ 74,000 |
| Cincinnati, OH-KY-IN | 137 | $ 32,306,000 | $ 235,810 | $ 97,839 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 104 | $ 25,710,000 | $ 247,211 | $ 125,000 |
| Tampa-St. Petersburg-Clearwater, FL | 103 | $ 35,798,000 | $ 347,553 | $ 102,000 |
| Elizabethtown-Fort Knox, KY | 55 | $ 7,848,000 | $ 142,690 | $ 61,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 22 | $ 17,469,000 | $ 794,045 | $ 17,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 21 | $ 4,800,000 | $ 228,571 | $ 104,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 20 | $ 4,452,000 | $ 222,600 | $ 132,000 |
| Orlando-Kissimmee-Sanford, FL | 20 | $ 5,083,000 | $ 254,150 | $ 128,000 |
| Oakland-Hayward-Berkeley, CA | 19 | $ 11,811,000 | $ 621,631 | $ 24,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 16 | $ 6,287,000 | $ 392,937 | $ 175,312 |
| Chicago-Naperville-Arlington Heights, IL | 11 | $ 2,780,000 | $ 252,727 | $ 85,000 |
| Jacksonville, FL | 11 | $ 2,009,000 | $ 182,636 | $ 103,000 |
| Los Angeles-Long Beach-Glendale, CA | 11 | $ 8,157,000 | $ 741,545 | $ 101,000 |
| Bowling Green, KY | 10 | $ 1,453,000 | $ 145,300 | $ 120,000 |
| Cleveland-Elyria, OH | 10 | $ 1,908,000 | $ 190,800 | $ 110,000 |
| Cape Coral-Fort Myers, FL | 9 | $ 2,006,000 | $ 222,888 | $ 183,000 |
| Anaheim-Santa Ana-Irvine, CA | 8 | $ 9,178,000 | $ 1,147,250 | $ 32,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 2,979,000 | $ 372,375 | $ 117,000 |
| Columbus, OH | 8 | $ 1,597,000 | $ 199,625 | $ 113,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 2,509,000 | $ 313,625 | $ 176,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 1,624,000 | $ 232,000 | $ 100,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 1,855,000 | $ 265,000 | $ 100,000 |
| Dayton, OH | 6 | $ 1,359,000 | $ 226,500 | $ 92,000 |
| Gainesville, FL | 6 | $ 1,485,000 | $ 247,500 | $ 95,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 1,665,000 | $ 277,500 | $ 127,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 1,452,000 | $ 290,400 | $ 218,000 |
| Richmond, VA | 5 | $ 1,946,000 | $ 389,200 | $ 139,000 |
| San Francisco-Redwood City-South San Francisco, CA | 5 | $ 4,752,000 | $ 950,400 | $ 0 |
| Lakeland-Winter Haven, FL | 4 | $ 644,000 | $ 161,000 | $ 65,000 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 1,123,000 | $ 280,750 | $ 0 |
| Port St. Lucie, FL | 4 | $ 1,118,000 | $ 279,500 | $ 105,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 833,000 | $ 208,250 | $ 132,000 |
| Chattanooga, TN-GA | 3 | $ 399,000 | $ 133,000 | $ 80,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,155,000 | $ 385,000 | $ 153,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 772,000 | $ 257,333 | $ 209,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 1,183,000 | $ 394,333 | $ 0 |
| Ocala, FL | 3 | $ 426,000 | $ 142,000 | $ 66,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 365,000 | $ 121,666 | $ 108,000 |
| Akron, OH | 2 | $ 616,000 | $ 308,000 | $ 135,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 526,000 | $ 263,000 | $ 110,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 343,000 | $ 171,500 | $ 96,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 737,000 | $ 368,500 | $ 164,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 1,117,000 | $ 558,500 | $ 225,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 830,000 | $ 415,000 | $ 0 |
| The Villages, FL | 2 | $ 393,000 | $ 196,500 | $ 78,000 |
| Asheville, NC | 1 | $ 245,000 | $ 245,000 | $ 78,000 |
| Clarksville, TN-KY | 1 | $ 57,000 | $ 57,000 | $ 48,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 120,000 | $ 120,000 | $ 103,000 |
| Dallas-Plano-Irving, TX | 1 | $ 503,000 | $ 503,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 199,000 | $ 199,000 | $ 52,000 |
| Evansville, IN-KY | 1 | $ 135,000 | $ 135,000 | $ 30,000 |
| Green Bay, WI | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| Greenville, NC | 1 | $ 1,283,000 | $ 1,283,000 | $ 790,000 |
| Kansas City, MO-KS | 1 | $ 493,000 | $ 493,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 574,000 | $ 574,000 | $ 0 |
| Mankato-North Mankato, MN | 1 | $ 241,000 | $ 241,000 | $ 183,000 |
| Memphis, TN-MS-AR | 1 | $ 154,000 | $ 154,000 | $ 91,000 |
| Newark, NJ-PA | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Panama City, FL | 1 | $ 260,000 | $ 260,000 | $ 95,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| Peoria, IL | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Punta Gorda, FL | 1 | $ 192,000 | $ 192,000 | $ 128,000 |
| Raleigh, NC | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 556,000 | $ 556,000 | $ 101,000 |
| Rochester, MN | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 731,000 | $ 731,000 | $ 120,000 |
| Sebring, FL | 1 | $ 170,000 | $ 170,000 | $ 150,000 |
| Staunton-Waynesboro, VA | 1 | $ 183,000 | $ 183,000 | $ 80,000 |
| Stockton-Lodi, CA | 1 | $ 240,000 | $ 240,000 | $ 110,000 |
| Tallahassee, FL | 1 | $ 248,000 | $ 248,000 | $ 133,000 |
| Toledo, OH | 1 | $ 225,000 | $ 225,000 | $ 202,000 |
| Winston-Salem, NC | 1 | $ 285,000 | $ 285,000 | $ 218,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2016
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 | 1,741 | $373,795,000 | $214,000 | $2,080,000 | $89,000 | $1,749,000 |
| Refinancing | 1,448 | $278,703,000 | $192,000 | $3,800,000 | $97,000 | $1,698,000 |
| Home Improvement | 377 | $43,470,000 | $115,000 | $3,500,000 | $86,000 | $798,000 |
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 | 2,561 | $451,957,000 | $176,000 | $2,760,000 | $108,000 | $1,749,000 |
| Not applicable | 477 | $163,309,000 | $342,000 | $3,800,000 | $2,000 | $120,000 |
| Black or African American | 186 | $20,947,000 | $112,000 | $1,283,000 | $73,000 | $790,000 |
| Not Provided | 145 | $20,054,000 | $138,000 | $592,000 | $106,000 | $475,000 |
| Asian | 96 | $23,740,000 | $247,000 | $1,680,000 | $136,000 | $795,000 |
| Hispanic | 87 | $13,810,000 | $158,000 | $556,000 | $83,000 | $348,000 |
| Native Hawaiin or Other Pacific Islander | 9 | $1,510,000 | $167,000 | $385,000 | $93,000 | $316,000 |
| American Indian or Alaskan Native | 5 | $641,000 | $128,000 | $268,000 | $65,000 | $150,000 |
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) | 3,413 | $676,438,000 | $198,000 | $3,800,000 | $94,000 | $1,749,000 |
| FHA-insured (Federal Housing Administration) | 132 | $16,361,000 | $123,000 | $270,000 | $51,000 | $143,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,115,000 | $176,000 | $291,000 | $85,000 | $165,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,054,000 | $117,000 | $187,000 | $45,000 | $84,000 |
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 | 2,269 | $412,073,000 | $181,000 | $3,500,000 | $95,000 | $1,749,000 |
| Application Withdrawn By Applicant | 583 | $119,303,000 | $204,000 | $3,800,000 | $98,000 | $1,698,000 |
| Application Denied By Financial Institution | 456 | $79,592,000 | $174,000 | $2,760,000 | $84,000 | $790,000 |
| Loan Purchased By The Institution | 114 | $58,452,000 | $512,000 | $1,860,000 | $14,000 | $263,000 |
| File Closed For Incompleteness | 99 | $17,830,000 | $180,000 | $921,000 | $100,000 | $444,000 |
| Application Approved But Not Accepted | 45 | $8,718,000 | $193,000 | $1,680,000 | $102,000 | $451,000 |
| 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 | 199 | $21,850,000 | $109,000 | $1,620,000 | $77,000 | $467,000 |
| Debt-To-Income Ratio | 141 | $33,546,000 | $237,000 | $2,760,000 | $71,000 | $587,000 |
| Collateral | 91 | $15,872,000 | $174,000 | $985,000 | $105,000 | $656,000 |
| Other | 12 | $3,485,000 | $290,000 | $1,139,000 | $146,000 | $510,000 |
| Employment History | 7 | $1,050,000 | $150,000 | $391,000 | $83,000 | $257,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,914,000 | $478,000 | $1,283,000 | $205,000 | $790,000 |
| Unverifiable Information | 2 | $1,875,000 | $937,000 | $1,500,000 | $100,000 | $200,000 |
| 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 2016 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About