Republic Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Republic Bank & Trust of Louisville, KY reported 9,043 mortgage applications totaling $2.0 billion, up 41% from 2019. The average application was for $225,237, and applicants reported an average income of $128,422. 62% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (4,927), Lexington-Fayette, KY (906) and Tampa-St. Petersburg-Clearwater, FL (501) (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 | 9,043 |
| Total Mortgage Loan Application Amount | $2,036,825,000 |
| Average Mortgage Loan Application Amount | $225,237 |
| Highest Mortgage Loan Application Amount | $7,005,000 |
| Average Applicant Income | $128,422 |
| Highest Applicant Income | $5,251,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,927 | $ 940,805,000 | $ 190,948 | $ 118,138 |
| Lexington-Fayette, KY | 906 | $ 198,720,000 | $ 219,337 | $ 113,000 |
| Tampa-St. Petersburg-Clearwater, FL | 501 | $ 153,065,000 | $ 305,518 | $ 147,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 411 | $ 124,665,000 | $ 303,321 | $ 175,000 |
| Cincinnati, OH-KY-IN | 378 | $ 109,720,000 | $ 290,264 | $ 157,481 |
| Outside any metro area | 334 | $ 64,670,000 | $ 193,622 | $ 112,876 |
| Atlanta-Sandy Springs-Roswell, GA | 98 | $ 26,180,000 | $ 267,142 | $ 118,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 62 | $ 21,560,000 | $ 347,741 | $ 145,758 |
| Charlotte-Concord-Gastonia, NC-SC | 57 | $ 15,545,000 | $ 272,719 | $ 122,631 |
| Phoenix-Mesa-Scottsdale, AZ | 54 | $ 13,330,000 | $ 246,851 | $ 160,000 |
| Elizabethtown-Fort Knox, KY | 47 | $ 7,405,000 | $ 157,553 | $ 95,000 |
| Memphis, TN-MS-AR | 46 | $ 8,280,000 | $ 180,000 | $ 223,869 |
| Chicago-Naperville, IL | 44 | $ 11,990,000 | $ 272,500 | $ 187,000 |
| North Port-Sarasota-Bradenton, FL | 35 | $ 14,975,000 | $ 427,857 | $ 347,000 |
| Jacksonville, FL | 29 | $ 7,845,000 | $ 270,517 | $ 123,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 27 | $ 7,125,000 | $ 263,888 | $ 106,259 |
| Seattle-Bellevue-Everett, WA | 27 | $ 8,735,000 | $ 323,518 | $ 150,000 |
| Columbus, OH | 26 | $ 6,620,000 | $ 254,615 | $ 155,000 |
| Raleigh, NC | 25 | $ 6,755,000 | $ 270,200 | $ 138,000 |
| Denver-Aurora-Lakewood, CO | 24 | $ 7,900,000 | $ 329,166 | $ 137,000 |
| Orlando-Kissimmee-Sanford, FL | 24 | $ 6,460,000 | $ 269,166 | $ 121,000 |
| Los Angeles-Long Beach-Glendale, CA | 23 | $ 7,285,000 | $ 316,739 | $ 190,000 |
| Montgomery County-Bucks County-Chester County, PA | 23 | $ 6,195,000 | $ 269,347 | $ 140,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 23 | $ 12,425,000 | $ 540,217 | $ 105,000 |
| Cleveland-Elyria, OH | 22 | $ 5,740,000 | $ 260,909 | $ 163,000 |
| Indianapolis-Carmel-Anderson, IN | 22 | $ 6,010,000 | $ 273,181 | $ 156,000 |
| Riverside-San Bernardino-Ontario, CA | 22 | $ 5,170,000 | $ 235,000 | $ 137,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 20 | $ 7,100,000 | $ 355,000 | $ 171,000 |
| St. Louis, MO-IL | 20 | $ 6,480,000 | $ 324,000 | $ 153,400 |
| Oakland-Hayward-Berkeley, CA | 19 | $ 7,485,000 | $ 393,947 | $ 236,000 |
| San Diego-Carlsbad, CA | 19 | $ 6,565,000 | $ 345,526 | $ 146,000 |
| Birmingham-Hoover, AL | 18 | $ 4,080,000 | $ 226,666 | $ 112,000 |
| Cape Coral-Fort Myers, FL | 18 | $ 4,930,000 | $ 273,888 | $ 156,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 18 | $ 5,460,000 | $ 303,333 | $ 112,000 |
| Philadelphia, PA | 17 | $ 4,335,000 | $ 255,000 | $ 113,000 |
| Richmond, VA | 16 | $ 4,250,000 | $ 265,625 | $ 146,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 15 | $ 4,205,000 | $ 280,333 | $ 150,000 |
| Warren-Troy-Farmington Hills, MI | 15 | $ 3,785,000 | $ 252,333 | $ 110,000 |
| Chattanooga, TN-GA | 14 | $ 4,720,000 | $ 337,142 | $ 174,000 |
| Miami-Miami Beach-Kendall, FL | 14 | $ 5,040,000 | $ 360,000 | $ 119,000 |
| Salt Lake City, UT | 14 | $ 4,640,000 | $ 331,428 | $ 138,000 |
| Charleston-North Charleston, SC | 13 | $ 4,775,000 | $ 367,307 | $ 159,000 |
| Durham-Chapel Hill, NC | 13 | $ 3,245,000 | $ 249,615 | $ 117,000 |
| Naples-Immokalee-Marco Island, FL | 13 | $ 5,185,000 | $ 398,846 | $ 161,000 |
| Owensboro, KY | 13 | $ 1,435,000 | $ 110,384 | $ 69,000 |
| Greenville-Anderson-Mauldin, SC | 12 | $ 3,300,000 | $ 275,000 | $ 132,000 |
| Hartford-West Hartford-East Hartford, CT | 11 | $ 2,915,000 | $ 265,000 | $ 161,000 |
| Camden, NJ | 10 | $ 2,040,000 | $ 204,000 | $ 114,000 |
| Knoxville, TN | 10 | $ 2,570,000 | $ 257,000 | $ 104,000 |
| New York-Newark, NY | 10 | $ 2,520,000 | $ 252,000 | $ 121,000 |
| Columbia, SC | 9 | $ 2,495,000 | $ 277,222 | $ 132,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 9 | $ 5,285,000 | $ 587,222 | $ 315,000 |
| Newark, NJ-PA | 9 | $ 3,505,000 | $ 389,444 | $ 129,333 |
| Pittsburgh, PA | 9 | $ 2,625,000 | $ 291,666 | $ 154,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 9 | $ 2,575,000 | $ 286,111 | $ 137,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 8 | $ 2,090,000 | $ 261,250 | $ 187,000 |
| Bowling Green, KY | 8 | $ 1,640,000 | $ 205,000 | $ 186,000 |
| Clarksville, TN-KY | 8 | $ 1,850,000 | $ 231,250 | $ 82,750 |
| Crestview-Fort Walton Beach-Destin, FL | 8 | $ 4,370,000 | $ 546,250 | $ 309,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 1,770,000 | $ 221,250 | $ 89,000 |
| Milwaukee-Waukesha-West Allis, WI | 8 | $ 1,450,000 | $ 181,250 | $ 107,000 |
| Port St. Lucie, FL | 8 | $ 1,710,000 | $ 213,750 | $ 104,000 |
| Tallahassee, FL | 8 | $ 1,330,000 | $ 166,250 | $ 172,000 |
| Akron, OH | 7 | $ 1,475,000 | $ 210,714 | $ 109,000 |
| Anaheim-Santa Ana-Irvine, CA | 7 | $ 3,315,000 | $ 473,571 | $ 270,000 |
| Dayton-Springfield-Kettering, OH | 7 | $ 1,135,000 | $ 162,142 | $ 77,000 |
| Detroit-Dearborn-Livonia, MI | 7 | $ 1,705,000 | $ 243,571 | $ 86,000 |
| Gary, IN | 7 | $ 1,515,000 | $ 216,428 | $ 120,000 |
| Grand Rapids-Wyoming, MI | 7 | $ 1,465,000 | $ 209,285 | $ 112,000 |
| Harrisburg-Carlisle, PA | 7 | $ 1,345,000 | $ 192,142 | $ 122,000 |
| Kansas City, MO-KS | 7 | $ 1,385,000 | $ 197,857 | $ 96,000 |
| Elgin, IL | 6 | $ 1,390,000 | $ 231,666 | $ 119,000 |
| Lake County-Kenosha County, IL-WI | 6 | $ 1,750,000 | $ 291,666 | $ 137,000 |
| Lakeland-Winter Haven, FL | 6 | $ 1,530,000 | $ 255,000 | $ 82,000 |
| Monroe, LA | 6 | $ 1,550,000 | $ 258,333 | $ 125,000 |
| Punta Gorda, FL | 6 | $ 1,300,000 | $ 216,666 | $ 113,000 |
| San Francisco-Redwood City-South San Francisco, CA | 6 | $ 2,600,000 | $ 433,333 | $ 188,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 3,120,000 | $ 520,000 | $ 282,000 |
| Springfield, MO | 6 | $ 1,360,000 | $ 226,666 | $ 143,000 |
| Asheville, NC | 5 | $ 1,205,000 | $ 241,000 | $ 99,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 1,985,000 | $ 397,000 | $ 158,000 |
| Gainesville, FL | 5 | $ 1,225,000 | $ 245,000 | $ 155,000 |
| Panama City, FL | 5 | $ 1,055,000 | $ 211,000 | $ 180,000 |
| Ann Arbor, MI | 4 | $ 1,200,000 | $ 300,000 | $ 163,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 810,000 | $ 202,500 | $ 167,500 |
| Brunswick, GA | 4 | $ 1,530,000 | $ 382,500 | $ 255,000 |
| Columbus, IN | 4 | $ 1,440,000 | $ 360,000 | $ 169,000 |
| Daphne-Fairhope-Foley, AL | 4 | $ 1,050,000 | $ 262,500 | $ 192,000 |
| Eugene, OR | 4 | $ 920,000 | $ 230,000 | $ 76,000 |
| Fresno, CA | 4 | $ 720,000 | $ 180,000 | $ 115,000 |
| Jackson, TN | 4 | $ 1,590,000 | $ 397,500 | $ 111,000 |
| Lafayette-West Lafayette, IN | 4 | $ 790,000 | $ 197,500 | $ 88,000 |
| Madison, WI | 4 | $ 1,060,000 | $ 265,000 | $ 126,000 |
| Mobile, AL | 4 | $ 1,090,000 | $ 272,500 | $ 285,000 |
| Modesto, CA | 4 | $ 950,000 | $ 237,500 | $ 143,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 1,580,000 | $ 395,000 | $ 97,000 |
| Norwich-New London, CT | 4 | $ 1,010,000 | $ 252,500 | $ 90,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,460,000 | $ 365,000 | $ 93,000 |
| Santa Rosa, CA | 4 | $ 1,070,000 | $ 267,500 | $ 338,000 |
| Sebastian-Vero Beach, FL | 4 | $ 930,000 | $ 232,500 | $ 104,000 |
| Spokane-Spokane Valley, WA | 4 | $ 780,000 | $ 195,000 | $ 212,000 |
| Tucson, AZ | 4 | $ 770,000 | $ 192,500 | $ 81,000 |
| Winston-Salem, NC | 4 | $ 810,000 | $ 202,500 | $ 92,000 |
| Appleton, WI | 3 | $ 495,000 | $ 165,000 | $ 138,000 |
| Bend-Redmond, OR | 3 | $ 805,000 | $ 268,333 | $ 66,000 |
| Boulder, CO | 3 | $ 925,000 | $ 308,333 | $ 135,000 |
| Colorado Springs, CO | 3 | $ 1,015,000 | $ 338,333 | $ 140,000 |
| East Stroudsburg, PA | 3 | $ 555,000 | $ 185,000 | $ 113,000 |
| Gainesville, GA | 3 | $ 835,000 | $ 278,333 | $ 66,000 |
| Lansing-East Lansing, MI | 3 | $ 655,000 | $ 218,333 | $ 115,000 |
| Logan, UT-ID | 3 | $ 605,000 | $ 201,666 | $ 86,000 |
| New Haven-Milford, CT | 3 | $ 905,000 | $ 301,666 | $ 81,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,165,000 | $ 388,333 | $ 147,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 865,000 | $ 288,333 | $ 103,000 |
| Roanoke, VA | 3 | $ 805,000 | $ 268,333 | $ 123,000 |
| Tacoma-Lakewood, WA | 3 | $ 785,000 | $ 261,666 | $ 99,000 |
| Terre Haute, IN | 3 | $ 895,000 | $ 298,333 | $ 88,000 |
| Toledo, OH | 3 | $ 655,000 | $ 218,333 | $ 181,000 |
| Walla Walla, WA | 3 | $ 565,000 | $ 188,333 | $ 73,000 |
| Wilmington, NC | 3 | $ 1,005,000 | $ 335,000 | $ 149,000 |
| Winchester, VA-WV | 3 | $ 585,000 | $ 195,000 | $ 66,000 |
| York-Hanover, PA | 3 | $ 735,000 | $ 245,000 | $ 265,000 |
| Bellingham, WA | 2 | $ 740,000 | $ 370,000 | $ 92,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 490,000 | $ 245,000 | $ 91,000 |
| Bloomington, IN | 2 | $ 490,000 | $ 245,000 | $ 106,000 |
| Bremerton-Silverdale, WA | 2 | $ 540,000 | $ 270,000 | $ 104,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 410,000 | $ 205,000 | $ 173,000 |
| Charlottesville, VA | 2 | $ 400,000 | $ 200,000 | $ 95,000 |
| Cleveland, TN | 2 | $ 400,000 | $ 200,000 | $ 93,000 |
| Columbus, GA-AL | 2 | $ 390,000 | $ 195,000 | $ 78,500 |
| Decatur, AL | 2 | $ 450,000 | $ 225,000 | $ 103,000 |
| Dothan, AL | 2 | $ 400,000 | $ 200,000 | $ 96,000 |
| Gettysburg, PA | 2 | $ 600,000 | $ 300,000 | $ 117,000 |
| Greeley, CO | 2 | $ 720,000 | $ 360,000 | $ 70,000 |
| Greensboro-High Point, NC | 2 | $ 410,000 | $ 205,000 | $ 103,000 |
| Homosassa Springs, FL | 2 | $ 600,000 | $ 300,000 | $ 548,000 |
| Huntsville, AL | 2 | $ 370,000 | $ 185,000 | $ 195,000 |
| Jackson, MS | 2 | $ 460,000 | $ 230,000 | $ 127,000 |
| Jefferson City, MO | 2 | $ 370,000 | $ 185,000 | $ 75,000 |
| Montgomery, AL | 2 | $ 400,000 | $ 200,000 | $ 190,000 |
| Ocala, FL | 2 | $ 350,000 | $ 175,000 | $ 127,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 720,000 | $ 360,000 | $ 112,000 |
| Provo-Orem, UT | 2 | $ 790,000 | $ 395,000 | $ 103,000 |
| Rome, GA | 2 | $ 360,000 | $ 180,000 | $ 138,000 |
| Salem, OR | 2 | $ 430,000 | $ 215,000 | $ 76,000 |
| Savannah, GA | 2 | $ 460,000 | $ 230,000 | $ 163,000 |
| Sheboygan, WI | 2 | $ 600,000 | $ 300,000 | $ 132,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 440,000 | $ 220,000 | $ 78,000 |
| St. George, UT | 2 | $ 970,000 | $ 485,000 | $ 246,000 |
| The Villages, FL | 2 | $ 480,000 | $ 240,000 | $ 63,000 |
| Warner Robins, GA | 2 | $ 400,000 | $ 200,000 | $ 138,000 |
| Yuma, AZ | 2 | $ 390,000 | $ 195,000 | $ 59,000 |
| Altoona, PA | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Auburn-Opelika, AL | 1 | $ 275,000 | $ 275,000 | $ 199,000 |
| Baton Rouge, LA | 1 | $ 215,000 | $ 215,000 | $ 134,000 |
| Bay City, MI | 1 | $ 165,000 | $ 165,000 | $ 165,000 |
| Canton-Massillon, OH | 1 | $ 315,000 | $ 315,000 | $ 75,000 |
| Columbia, MO | 1 | $ 175,000 | $ 175,000 | $ 88,000 |
| Corvallis, OR | 1 | $ 175,000 | $ 175,000 | $ 173,000 |
| Flint, MI | 1 | $ 285,000 | $ 285,000 | $ 93,000 |
| Fort Wayne, IN | 1 | $ 155,000 | $ 155,000 | $ 79,000 |
| Grand Junction, CO | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Hammond, LA | 1 | $ 365,000 | $ 365,000 | $ 112,000 |
| Harrisonburg, VA | 1 | $ 195,000 | $ 195,000 | $ 45,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 515,000 | $ 515,000 | $ 231,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 135,000 | $ 135,000 | $ 250,000 |
| Janesville-Beloit, WI | 1 | $ 225,000 | $ 225,000 | $ 69,000 |
| Johnson City, TN | 1 | $ 425,000 | $ 425,000 | $ 286,000 |
| Kalamazoo-Portage, MI | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Kennewick-Richland, WA | 1 | $ 205,000 | $ 205,000 | $ 46,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 485,000 | $ 485,000 | $ 185,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 295,000 | $ 295,000 | $ 124,000 |
| Lake Charles, LA | 1 | $ 435,000 | $ 435,000 | $ 192,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| Lebanon, PA | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| Lynchburg, VA | 1 | $ 305,000 | $ 305,000 | $ 166,000 |
| Macon-Bibb County, GA | 1 | $ 235,000 | $ 235,000 | $ 109,000 |
| Merced, CA | 1 | $ 255,000 | $ 255,000 | $ 130,000 |
| Monroe, MI | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Morristown, TN | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Muskegon, MI | 1 | $ 185,000 | $ 185,000 | $ 104,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Napa, CA | 1 | $ 325,000 | $ 325,000 | $ 155,000 |
| New Orleans-Metairie, LA | 1 | $ 325,000 | $ 325,000 | $ 140,000 |
| Ocean City, NJ | 1 | $ 185,000 | $ 185,000 | $ 143,000 |
| Ogden-Clearfield, UT | 1 | $ 315,000 | $ 315,000 | $ 135,000 |
| Racine, WI | 1 | $ 325,000 | $ 325,000 | $ 63,000 |
| Reading, PA | 1 | $ 215,000 | $ 215,000 | $ 165,000 |
| Rockford, IL | 1 | $ 235,000 | $ 235,000 | $ 180,000 |
| Rocky Mount, NC | 1 | $ 215,000 | $ 215,000 | $ 76,000 |
| Salinas, CA | 1 | $ 435,000 | $ 435,000 | $ 129,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| San Rafael, CA | 1 | $ 295,000 | $ 295,000 | $ 118,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 525,000 | $ 525,000 | $ 173,000 |
| Shreveport-Bossier City, LA | 1 | $ 205,000 | $ 205,000 | $ 227,000 |
| Spartanburg, SC | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Stockton-Lodi, CA | 1 | $ 295,000 | $ 295,000 | $ 116,000 |
| Trenton, NJ | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Tuscaloosa, AL | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Valdosta, GA | 1 | $ 185,000 | $ 185,000 | $ 117,000 |
| Vallejo-Fairfield, CA | 1 | $ 165,000 | $ 165,000 | $ 107,000 |
| Williamsport, PA | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Wilmington, DE-MD-NJ | 1 | $ 355,000 | $ 355,000 | $ 425,000 |
| Worcester, MA-CT | 1 | $ 225,000 | $ 225,000 | $ 68,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 145,000 | $ 145,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2020
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 | 3,449 | $901,875,000 | $261,000 | $6,005,000 | $135,000 | $4,213,000 |
| Home Purchase | 2,456 | $576,510,000 | $234,000 | $7,005,000 | $116,000 | $3,152,000 |
| Cash-out Refinancing | 1,950 | $425,930,000 | $218,000 | $2,055,000 | $126,000 | $974,000 |
| Other Purpose | 776 | $90,940,000 | $117,000 | $2,005,000 | $144,000 | $5,251,000 |
| Home Improvement | 383 | $39,095,000 | $102,000 | $5,005,000 | $137,000 | $1,706,000 |
| Not Applicable | 29 | $2,475,000 | $85,000 | $275,000 | $31,000 | $54,000 |
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 | 6,551 | $1,422,825,000 | $217,000 | $3,005,000 | $134,000 | $5,251,000 |
| Black or African American | 717 | $111,125,000 | $154,000 | $2,165,000 | $79,000 | $1,033,000 |
| Not Provided | 609 | $141,355,000 | $232,000 | $1,805,000 | $144,000 | $4,213,000 |
| Not applicable | 415 | $201,695,000 | $486,000 | $7,005,000 | $0 | $0 |
| Hispanic | 389 | $70,615,000 | $181,000 | $765,000 | $93,000 | $1,098,000 |
| Asian | 216 | $54,670,000 | $253,000 | $1,795,000 | $161,000 | $1,800,000 |
| American Indian or Alaskan Native | 32 | $5,080,000 | $158,000 | $415,000 | $74,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $860,000 | $143,000 | $245,000 | $87,000 | $198,000 |
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) | 8,593 | $1,950,215,000 | $226,000 | $7,005,000 | $132,000 | $5,251,000 |
| FHA-insured (Federal Housing Administration) | 310 | $54,140,000 | $174,000 | $575,000 | $62,000 | $395,000 |
| VA-guaranteed (Veterans Administration) | 112 | $27,440,000 | $245,000 | $675,000 | $88,000 | $221,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $5,030,000 | $179,000 | $285,000 | $54,000 | $81,000 |
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 | 5,627 | $1,250,265,000 | $222,000 | $4,635,000 | $134,000 | $5,251,000 |
| Application Withdrawn By Applicant | 2,355 | $573,105,000 | $243,000 | $7,005,000 | $128,000 | $2,815,000 |
| Application Denied By Financial Institution | 601 | $119,955,000 | $199,000 | $1,805,000 | $83,000 | $4,213,000 |
| File Closed For Incompleteness | 270 | $60,690,000 | $224,000 | $1,645,000 | $143,000 | $1,156,000 |
| Application Approved But Not Accepted | 107 | $24,205,000 | $226,000 | $1,335,000 | $133,000 | $640,000 |
| Loan Purchased By The Institution | 83 | $8,605,000 | $103,000 | $275,000 | $33,000 | $64,000 |
| 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 | 8,442 | $1,916,870,000 | $227,000 | $7,005,000 | $131,000 | $5,251,000 |
| Debt-To-Income Ratio | 294 | $60,180,000 | $204,000 | $1,045,000 | $58,000 | $389,000 |
| Credit History | 112 | $13,310,000 | $118,000 | $585,000 | $82,000 | $335,000 |
| Other | 88 | $24,650,000 | $280,000 | $1,505,000 | $131,000 | $458,000 |
| Collateral | 78 | $16,890,000 | $216,000 | $1,805,000 | $123,000 | $529,000 |
| Employment History | 14 | $1,890,000 | $135,000 | $265,000 | $58,000 | $127,000 |
| Unverifiable Information | 9 | $1,995,000 | $221,000 | $505,000 | $539,000 | $4,213,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,040,000 | $173,000 | $265,000 | $54,000 | $81,000 |
| Mortgage Insurance Denied | 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 2020 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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