Republic Bank & Trust Mortgage Lending & HMDA Data, 2019

In 2019, Republic Bank & Trust of Louisville, KY reported 6,418 mortgage applications totaling $1.2 billion, up 29% from 2018. The average application was for $193,675, and applicants reported an average income of $117,777. 64% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (3,625), Lexington-Fayette, KY (621) and Tampa-St. Petersburg-Clearwater, FL (397) (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 6,418
Total Mortgage Loan Application Amount $1,243,010,000
Average Mortgage Loan Application Amount $193,675
Highest Mortgage Loan Application Amount $8,135,000
Average Applicant Income $117,777
Highest Applicant Income $3,433,000

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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Republic Bank & Trust by Metropolitan Area in 2019

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 3,625 $ 599,075,000 $ 165,262 $ 111,516
Lexington-Fayette, KY 621 $ 111,435,000 $ 179,444 $ 110,000
Tampa-St. Petersburg-Clearwater, FL 397 $ 85,225,000 $ 214,672 $ 136,000
Cincinnati, OH-KY-IN 305 $ 68,755,000 $ 225,426 $ 145,809
Outside any metro area 271 $ 46,405,000 $ 171,236 $ 103,211
Nashville-Davidson--Murfreesboro--Franklin, TN 256 $ 78,350,000 $ 306,054 $ 184,000
Owensboro, KY 98 $ 11,760,000 $ 120,000 $ 92,000
Elizabethtown-Fort Knox, KY 89 $ 9,865,000 $ 110,842 $ 74,000
Atlanta-Sandy Springs-Roswell, GA 71 $ 21,605,000 $ 304,295 $ 131,000
Indianapolis-Carmel-Anderson, IN 26 $ 7,400,000 $ 284,615 $ 152,000
Phoenix-Mesa-Scottsdale, AZ 26 $ 6,540,000 $ 251,538 $ 90,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 24 $ 9,500,000 $ 395,833 $ 146,541
Orlando-Kissimmee-Sanford, FL 21 $ 5,345,000 $ 254,523 $ 119,000
Chicago-Naperville, IL 19 $ 5,655,000 $ 297,631 $ 141,000
Montgomery County-Bucks County-Chester County, PA 19 $ 6,305,000 $ 331,842 $ 134,000
Memphis, TN-MS-AR 17 $ 5,085,000 $ 299,117 $ 186,000
Virginia Beach-Norfolk-Newport News, VA-NC 16 $ 4,640,000 $ 290,000 $ 123,375
Bowling Green, KY 13 $ 2,445,000 $ 188,076 $ 91,000
Columbus, OH 13 $ 2,315,000 $ 178,076 $ 162,000
Jacksonville, FL 13 $ 3,705,000 $ 285,000 $ 147,000
North Port-Sarasota-Bradenton, FL 13 $ 4,295,000 $ 330,384 $ 215,000
Warren-Troy-Farmington Hills, MI 13 $ 3,855,000 $ 296,538 $ 110,000
Los Angeles-Long Beach-Glendale, CA 12 $ 4,830,000 $ 402,500 $ 128,000
Cape Coral-Fort Myers, FL 11 $ 2,645,000 $ 240,454 $ 103,000
West Palm Beach-Boca Raton-Delray Beach, FL 11 $ 3,795,000 $ 345,000 $ 133,000
Cleveland-Elyria, OH 10 $ 2,810,000 $ 281,000 $ 119,000
Minneapolis-St. Paul-Bloomington, MN-WI 10 $ 2,430,000 $ 243,000 $ 123,000
Seattle-Bellevue-Everett, WA 10 $ 3,230,000 $ 323,000 $ 109,000
Denver-Aurora-Lakewood, CO 9 $ 3,035,000 $ 337,222 $ 126,000
New York-Jersey City-White Plains, NY-NJ 9 $ 3,745,000 $ 416,111 $ 29,000
Raleigh, NC 9 $ 2,495,000 $ 277,222 $ 100,000
Salt Lake City, UT 9 $ 2,745,000 $ 305,000 $ 70,000
St. Louis, MO-IL 9 $ 1,875,000 $ 208,333 $ 140,666
Charlotte-Concord-Gastonia, NC-SC 8 $ 2,390,000 $ 298,750 $ 124,250
Chattanooga, TN-GA 8 $ 1,930,000 $ 241,250 $ 126,000
Homosassa Springs, FL 8 $ 1,000,000 $ 125,000 $ 66,000
Knoxville, TN 8 $ 1,420,000 $ 177,500 $ 94,000
Miami-Miami Beach-Kendall, FL 8 $ 1,980,000 $ 247,500 $ 94,000
Naples-Immokalee-Marco Island, FL 8 $ 17,570,000 $ 2,196,250 $ 220,000
Provo-Orem, UT 8 $ 2,830,000 $ 353,750 $ 114,000
San Diego-Carlsbad, CA 8 $ 2,970,000 $ 371,250 $ 145,000
Boulder, CO 7 $ 2,445,000 $ 349,285 $ 176,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 7 $ 3,405,000 $ 486,428 $ 219,000
Philadelphia, PA 7 $ 2,215,000 $ 316,428 $ 121,000
Riverside-San Bernardino-Ontario, CA 7 $ 1,475,000 $ 210,714 $ 87,000
Akron, OH 6 $ 1,350,000 $ 225,000 $ 123,000
Anaheim-Santa Ana-Irvine, CA 6 $ 3,520,000 $ 586,666 $ 130,000
Greenville-Anderson-Mauldin, SC 6 $ 1,250,000 $ 208,333 $ 75,000
Nassau County-Suffolk County, NY 6 $ 2,540,000 $ 423,333 $ 31,000
Palm Bay-Melbourne-Titusville, FL 6 $ 1,310,000 $ 218,333 $ 78,000
Pittsburgh, PA 6 $ 1,450,000 $ 241,666 $ 87,000
Richmond, VA 6 $ 1,700,000 $ 283,333 $ 96,000
Allentown-Bethlehem-Easton, PA-NJ 5 $ 855,000 $ 171,000 $ 77,000
Birmingham-Hoover, AL 5 $ 1,155,000 $ 231,000 $ 125,000
Greensboro-High Point, NC 5 $ 1,555,000 $ 311,000 $ 130,000
Kansas City, MO-KS 5 $ 1,105,000 $ 221,000 $ 66,000
Sacramento--Roseville--Arden-Arcade, CA 5 $ 1,455,000 $ 291,000 $ 107,000
Tallahassee, FL 5 $ 1,115,000 $ 223,000 $ 166,000
Clarksville, TN-KY 4 $ 1,010,000 $ 252,500 $ 170,500
Durham-Chapel Hill, NC 4 $ 1,320,000 $ 330,000 $ 134,000
Elgin, IL 4 $ 800,000 $ 200,000 $ 140,000
Gary, IN 4 $ 820,000 $ 205,000 $ 101,000
Milwaukee-Waukesha-West Allis, WI 4 $ 860,000 $ 215,000 $ 186,000
New York-Newark, NY 4 $ 1,060,000 $ 265,000 $ 28,000
Oakland-Hayward-Berkeley, CA 4 $ 2,010,000 $ 502,500 $ 172,000
Portland-Vancouver-Hillsboro, OR-WA 4 $ 1,060,000 $ 265,000 $ 109,500
San Juan-Carolina-Caguas, PR 4 $ 710,000 $ 177,500 $ 0
Crestview-Fort Walton Beach-Destin, FL 3 $ 895,000 $ 298,333 $ 252,000
Detroit-Dearborn-Livonia, MI 3 $ 595,000 $ 198,333 $ 66,000
Harrisburg-Carlisle, PA 3 $ 655,000 $ 218,333 $ 110,000
Hilton Head Island-Bluffton-Beaufort, SC 3 $ 705,000 $ 235,000 $ 203,000
Johnson City, TN 3 $ 525,000 $ 175,000 $ 73,000
Lakeland-Winter Haven, FL 3 $ 1,135,000 $ 378,333 $ 125,000
Lancaster, PA 3 $ 545,000 $ 181,666 $ 64,000
Oxnard-Thousand Oaks-Ventura, CA 3 $ 1,025,000 $ 341,666 $ 93,000
Punta Gorda, FL 3 $ 535,000 $ 178,333 $ 122,000
Savannah, GA 3 $ 885,000 $ 295,000 $ 133,000
Ann Arbor, MI 2 $ 410,000 $ 205,000 $ 99,000
Appleton, WI 2 $ 310,000 $ 155,000 $ 97,000
Asheville, NC 2 $ 750,000 $ 375,000 $ 129,000
Bellingham, WA 2 $ 480,000 $ 240,000 $ 81,000
Blacksburg-Christiansburg-Radford, VA 2 $ 570,000 $ 285,000 $ 60,000
Charleston-North Charleston, SC 2 $ 3,210,000 $ 1,605,000 $ 357,000
Cleveland, TN 2 $ 390,000 $ 195,000 $ 102,000
Dayton-Springfield-Kettering, OH 2 $ 230,000 $ 115,000 $ 25,000
East Stroudsburg, PA 2 $ 320,000 $ 160,000 $ 189,000
Eau Claire, WI 2 $ 430,000 $ 215,000 $ 81,000
Evansville, IN-KY 2 $ 1,250,000 $ 625,000 $ 0
Gainesville, FL 2 $ 370,000 $ 185,000 $ 82,000
Gainesville, GA 2 $ 540,000 $ 270,000 $ 250,000
Grand Rapids-Wyoming, MI 2 $ 250,000 $ 125,000 $ 35,000
Houston-The Woodlands-Sugar Land, TX 2 $ 180,000 $ 90,000 $ 21,000
Lynchburg, VA 2 $ 730,000 $ 365,000 $ 184,000
Ogden-Clearfield, UT 2 $ 520,000 $ 260,000 $ 71,000
Pensacola-Ferry Pass-Brent, FL 2 $ 830,000 $ 415,000 $ 318,000
Port St. Lucie, FL 2 $ 490,000 $ 245,000 $ 131,000
Prescott Valley-Prescott, AZ 2 $ 670,000 $ 335,000 $ 140,000
Rochester, MN 2 $ 480,000 $ 240,000 $ 122,000
Springfield, OH 2 $ 480,000 $ 240,000 $ 119,000
Stockton-Lodi, CA 2 $ 670,000 $ 335,000 $ 144,000
Tacoma-Lakewood, WA 2 $ 670,000 $ 335,000 $ 123,000
Toledo, OH 2 $ 490,000 $ 245,000 $ 121,000
Tucson, AZ 2 $ 380,000 $ 190,000 $ 45,000
Wilmington, NC 2 $ 510,000 $ 255,000 $ 109,000
Albany-Schenectady-Troy, NY 1 $ 55,000 $ 55,000 $ 9,000
Albuquerque, NM 1 $ 105,000 $ 105,000 $ 11,000
Arecibo, PR 1 $ 155,000 $ 155,000 $ 15,000
Augusta-Richmond County, GA-SC 1 $ 245,000 $ 245,000 $ 72,000
Austin-Round Rock, TX 1 $ 305,000 $ 305,000 $ 16,000
Billings, MT 1 $ 215,000 $ 215,000 $ 48,000
Bloomington, IN 1 $ 135,000 $ 135,000 $ 45,000
Camden, NJ 1 $ 315,000 $ 315,000 $ 39,000
Charlottesville, VA 1 $ 95,000 $ 95,000 $ 0
Colorado Springs, CO 1 $ 185,000 $ 185,000 $ 82,000
Columbia, MO 1 $ 325,000 $ 325,000 $ 173,000
Columbus, IN 1 $ 455,000 $ 455,000 $ 225,000
Daphne-Fairhope-Foley, AL 1 $ 105,000 $ 105,000 $ 55,000
Deltona-Daytona Beach-Ormond Beach, FL 1 $ 215,000 $ 215,000 $ 71,000
Dothan, AL 1 $ 225,000 $ 225,000 $ 106,000
Enid, OK 1 $ 65,000 $ 65,000 $ 14,000
Fort Collins, CO 1 $ 275,000 $ 275,000 $ 92,000
Fort Wayne, IN 1 $ 255,000 $ 255,000 $ 245,000
Fresno, CA 1 $ 205,000 $ 205,000 $ 295,000
Harrisonburg, VA 1 $ 305,000 $ 305,000 $ 55,000
Huntington-Ashland, WV-KY-OH 1 $ 75,000 $ 75,000 $ 28,000
Iowa City, IA 1 $ 285,000 $ 285,000 $ 13,000
Jackson, TN 1 $ 515,000 $ 515,000 $ 95,000
Joplin, MO 1 $ 245,000 $ 245,000 $ 135,000
Kahului-Wailuku-Lahaina, HI 1 $ 495,000 $ 495,000 $ 16,000
Kalamazoo-Portage, MI 1 $ 5,000 $ 5,000 $ 24,000
Lake Havasu City-Kingman, AZ 1 $ 165,000 $ 165,000 $ 89,000
Las Vegas-Henderson-Paradise, NV 1 $ 25,000 $ 25,000 $ 81,000
Lebanon, PA 1 $ 995,000 $ 995,000 $ 770,000
Madison, WI 1 $ 205,000 $ 205,000 $ 61,000
Merced, CA 1 $ 155,000 $ 155,000 $ 43,000
Modesto, CA 1 $ 305,000 $ 305,000 $ 154,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 1 $ 145,000 $ 145,000 $ 103,000
New Haven-Milford, CT 1 $ 255,000 $ 255,000 $ 31,000
New Orleans-Metairie, LA 1 $ 135,000 $ 135,000 $ 48,000
Newark, NJ-PA 1 $ 275,000 $ 275,000 $ 20,000
Ocala, FL 1 $ 285,000 $ 285,000 $ 106,000
Panama City, FL 1 $ 155,000 $ 155,000 $ 102,000
Portland-South Portland, ME 1 $ 235,000 $ 235,000 $ 18,000
Reading, PA 1 $ 105,000 $ 105,000 $ 150,000
Rockford, IL 1 $ 225,000 $ 225,000 $ 220,000
Rome, GA 1 $ 315,000 $ 315,000 $ 174,000
Salem, OR 1 $ 275,000 $ 275,000 $ 90,000
Salinas, CA 1 $ 205,000 $ 205,000 $ 113,000
San Jose-Sunnyvale-Santa Clara, CA 1 $ 485,000 $ 485,000 $ 75,000
Santa Maria-Santa Barbara, CA 1 $ 445,000 $ 445,000 $ 117,000
Sebring, FL 1 $ 5,000 $ 5,000 $ 58,000
South Bend-Mishawaka, IN-MI 1 $ 225,000 $ 225,000 $ 77,000
Spartanburg, SC 1 $ 225,000 $ 225,000 $ 46,000
Spokane-Spokane Valley, WA 1 $ 185,000 $ 185,000 $ 109,000
Sumter, SC 1 $ 165,000 $ 165,000 $ 110,000
The Villages, FL 1 $ 85,000 $ 85,000 $ 57,000
Tulsa, OK 1 $ 145,000 $ 145,000 $ 29,000
Vallejo-Fairfield, CA 1 $ 355,000 $ 355,000 $ 273,000
Walla Walla, WA 1 $ 235,000 $ 235,000 $ 45,000
Washington-Baltimore-Arlington, DC 1 $ 295,000 $ 295,000 $ 42,000
Wilmington, DE-MD-NJ 1 $ 155,000 $ 155,000 $ 23,000
Winchester, VA-WV 1 $ 335,000 $ 335,000 $ 120,000
Winston-Salem, NC 1 $ 405,000 $ 405,000 $ 159,000

Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2019

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 2,534 $592,420,000 $233,000 $4,875,000 $123,000 $3,250,000
Cash-out Refinancing 1,288 $228,010,000 $177,000 $1,785,000 $117,000 $2,788,000
Refinancing 1,034 $296,140,000 $286,000 $8,135,000 $128,000 $1,526,000
Other Purpose 895 $69,385,000 $77,000 $1,305,000 $111,000 $3,433,000
Home Improvement 581 $40,235,000 $69,000 $2,005,000 $103,000 $1,065,000
Not Applicable 86 $16,820,000 $195,000 $695,000 $23,000 $67,000

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 4,672 $823,290,000 $176,000 $3,005,000 $122,000 $3,433,000
Black or African American 509 $60,705,000 $119,000 $875,000 $71,000 $2,691,000
Not applicable 461 $196,555,000 $426,000 $8,135,000 $0 $0
Not Provided 316 $69,240,000 $219,000 $2,635,000 $137,000 $1,613,000
Hispanic 239 $39,175,000 $163,000 $1,085,000 $82,000 $975,000
Asian 144 $37,120,000 $257,000 $1,825,000 $147,000 $877,000
American Indian or Alaskan Native 28 $3,530,000 $126,000 $295,000 $64,000 $150,000
Native Hawaiian or Other Pacific Islander 2 $490,000 $245,000 $355,000 $82,000 $135,000

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) 5,953 $1,151,335,000 $193,000 $8,135,000 $122,000 $3,433,000
FHA-insured (Federal Housing Administration) 330 $59,130,000 $179,000 $695,000 $52,000 $211,000
VA-guaranteed (Veterans Administration) 116 $29,140,000 $251,000 $605,000 $89,000 $502,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 19 $3,405,000 $179,000 $295,000 $52,000 $99,000

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 4,108 $761,310,000 $185,000 $8,135,000 $125,000 $3,433,000
Application Withdrawn By Applicant 1,445 $332,875,000 $230,000 $5,005,000 $113,000 $2,788,000
Application Denied By Financial Institution 531 $89,215,000 $168,000 $2,115,000 $79,000 $1,526,000
File Closed For Incompleteness 187 $31,525,000 $168,000 $1,035,000 $125,000 $2,359,000
Loan Purchased By The Institution 97 $18,335,000 $189,000 $695,000 $25,000 $75,000
Application Approved But Not Accepted 50 $9,750,000 $195,000 $1,535,000 $103,000 $272,000
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
Not applicable 5,887 $1,153,795,000 $195,000 $8,135,000 $120,000 $3,433,000
Debt-To-Income Ratio 227 $33,265,000 $146,000 $1,355,000 $57,000 $426,000
Credit History 155 $16,565,000 $106,000 $1,025,000 $89,000 $975,000
Other 71 $22,915,000 $322,000 $2,115,000 $143,000 $684,000
Collateral 58 $13,700,000 $236,000 $885,000 $87,000 $326,000
Employment History 14 $1,250,000 $89,000 $235,000 $68,000 $198,000
Unverifiable Information 3 $615,000 $205,000 $555,000 $91,000 $99,000
Insufficient Cash (Downpayment, Closing Cost) 2 $480,000 $240,000 $255,000 $71,000 $92,000
Credit Application Incomplete 1 $425,000 $425,000 $425,000 $1,526,000 $1,526,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2019 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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