Republic Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Republic Bank & Trust of Louisville, KY reported 7,994 mortgage applications totaling $1.8 billion, down 12% from 2020. The average application was for $226,643, and applicants reported an average income of $120,864. 61% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (4,188), Lexington-Fayette, KY (686) and Tampa-St. Petersburg-Clearwater, FL (519) (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 | 7,994 |
| Total Mortgage Loan Application Amount | $1,811,790,000 |
| Average Mortgage Loan Application Amount | $226,643 |
| Highest Mortgage Loan Application Amount | $6,005,000 |
| Average Applicant Income | $120,864 |
| Highest Applicant Income | $4,357,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,188 | $ 768,420,000 | $ 183,481 | $ 111,025 |
| Lexington-Fayette, KY | 686 | $ 159,550,000 | $ 232,580 | $ 111,000 |
| Tampa-St. Petersburg-Clearwater, FL | 519 | $ 136,865,000 | $ 263,709 | $ 145,000 |
| Cincinnati, OH-KY-IN | 356 | $ 115,940,000 | $ 325,674 | $ 126,828 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 350 | $ 119,540,000 | $ 341,542 | $ 169,000 |
| Outside any metro area | 325 | $ 75,965,000 | $ 233,738 | $ 107,766 |
| Atlanta-Sandy Springs-Roswell, GA | 83 | $ 23,935,000 | $ 288,373 | $ 127,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 51 | $ 20,105,000 | $ 394,215 | $ 132,803 |
| Chicago-Naperville, IL | 49 | $ 13,205,000 | $ 269,489 | $ 197,000 |
| Elizabethtown-Fort Knox, KY | 49 | $ 6,905,000 | $ 140,918 | $ 75,000 |
| North Port-Sarasota-Bradenton, FL | 42 | $ 10,500,000 | $ 250,000 | $ 116,000 |
| Raleigh, NC | 42 | $ 11,260,000 | $ 268,095 | $ 122,000 |
| Memphis, TN-MS-AR | 39 | $ 7,235,000 | $ 185,512 | $ 170,923 |
| Phoenix-Mesa-Scottsdale, AZ | 37 | $ 10,505,000 | $ 283,918 | $ 163,000 |
| Charlotte-Concord-Gastonia, NC-SC | 35 | $ 9,785,000 | $ 279,571 | $ 109,714 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 34 | $ 8,640,000 | $ 254,117 | $ 122,588 |
| Orlando-Kissimmee-Sanford, FL | 32 | $ 7,950,000 | $ 248,437 | $ 113,000 |
| Indianapolis-Carmel-Anderson, IN | 31 | $ 6,195,000 | $ 199,838 | $ 117,000 |
| Montgomery County-Bucks County-Chester County, PA | 31 | $ 7,535,000 | $ 243,064 | $ 151,000 |
| Camden, NJ | 28 | $ 6,290,000 | $ 224,642 | $ 144,000 |
| Bridgeport-Stamford-Norwalk, CT | 25 | $ 8,395,000 | $ 335,800 | $ 125,000 |
| Charleston-North Charleston, SC | 25 | $ 8,615,000 | $ 344,600 | $ 136,000 |
| New York-Newark, NY | 24 | $ 7,910,000 | $ 329,583 | $ 138,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 21 | $ 6,235,000 | $ 296,904 | $ 135,000 |
| Newark, NJ-PA | 20 | $ 5,640,000 | $ 282,000 | $ 132,100 |
| Durham-Chapel Hill, NC | 18 | $ 5,140,000 | $ 285,555 | $ 140,000 |
| Hartford-West Hartford-East Hartford, CT | 18 | $ 4,400,000 | $ 244,444 | $ 111,000 |
| Lakeland-Winter Haven, FL | 18 | $ 3,590,000 | $ 199,444 | $ 68,000 |
| Jacksonville, FL | 17 | $ 5,475,000 | $ 322,058 | $ 122,000 |
| Miami-Miami Beach-Kendall, FL | 17 | $ 4,555,000 | $ 267,941 | $ 130,000 |
| New York-Jersey City-White Plains, NY-NJ | 17 | $ 5,045,000 | $ 296,764 | $ 129,000 |
| Los Angeles-Long Beach-Glendale, CA | 16 | $ 9,200,000 | $ 575,000 | $ 169,000 |
| Owensboro, KY | 16 | $ 2,290,000 | $ 143,125 | $ 65,000 |
| St. Louis, MO-IL | 16 | $ 3,750,000 | $ 234,375 | $ 125,062 |
| Crestview-Fort Walton Beach-Destin, FL | 15 | $ 12,935,000 | $ 862,333 | $ 85,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 15 | $ 6,155,000 | $ 410,333 | $ 184,666 |
| Warren-Troy-Farmington Hills, MI | 15 | $ 3,355,000 | $ 223,666 | $ 150,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 5,590,000 | $ 399,285 | $ 196,000 |
| Cleveland-Elyria, OH | 14 | $ 2,310,000 | $ 165,000 | $ 104,000 |
| Huntsville, AL | 14 | $ 3,150,000 | $ 225,000 | $ 245,000 |
| Kansas City, MO-KS | 14 | $ 2,840,000 | $ 202,857 | $ 137,000 |
| Riverside-San Bernardino-Ontario, CA | 14 | $ 3,140,000 | $ 224,285 | $ 112,000 |
| Birmingham-Hoover, AL | 13 | $ 3,395,000 | $ 261,153 | $ 129,000 |
| Columbus, OH | 13 | $ 2,935,000 | $ 225,769 | $ 116,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 13 | $ 2,885,000 | $ 221,923 | $ 93,000 |
| Philadelphia, PA | 13 | $ 2,985,000 | $ 229,615 | $ 176,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 13 | $ 4,725,000 | $ 363,461 | $ 254,000 |
| Bowling Green, KY | 12 | $ 2,800,000 | $ 233,333 | $ 122,000 |
| Columbia, SC | 12 | $ 3,550,000 | $ 295,833 | $ 112,000 |
| Richmond, VA | 12 | $ 3,880,000 | $ 323,333 | $ 123,000 |
| Greenville-Anderson-Mauldin, SC | 11 | $ 2,305,000 | $ 209,545 | $ 95,000 |
| New Haven-Milford, CT | 11 | $ 2,625,000 | $ 238,636 | $ 124,000 |
| San Diego-Carlsbad, CA | 11 | $ 5,055,000 | $ 459,545 | $ 129,000 |
| Winston-Salem, NC | 11 | $ 2,765,000 | $ 251,363 | $ 111,000 |
| Chattanooga, TN-GA | 10 | $ 1,850,000 | $ 185,000 | $ 114,400 |
| Dayton-Springfield-Kettering, OH | 10 | $ 3,130,000 | $ 313,000 | $ 84,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 10 | $ 2,490,000 | $ 249,000 | $ 146,000 |
| New Orleans-Metairie, LA | 10 | $ 2,380,000 | $ 238,000 | $ 146,000 |
| Oakland-Hayward-Berkeley, CA | 10 | $ 4,790,000 | $ 479,000 | $ 332,000 |
| Seattle-Bellevue-Everett, WA | 10 | $ 4,650,000 | $ 465,000 | $ 164,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | $ 1,505,000 | $ 167,222 | $ 74,000 |
| Gary, IN | 9 | $ 2,445,000 | $ 271,666 | $ 109,000 |
| Pittsburgh, PA | 9 | $ 2,465,000 | $ 273,888 | $ 139,000 |
| Asheville, NC | 8 | $ 2,480,000 | $ 310,000 | $ 180,000 |
| Daphne-Fairhope-Foley, AL | 8 | $ 2,460,000 | $ 307,500 | $ 97,000 |
| Akron, OH | 7 | $ 1,515,000 | $ 216,428 | $ 76,000 |
| Denver-Aurora-Lakewood, CO | 7 | $ 1,765,000 | $ 252,142 | $ 102,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 1,685,000 | $ 240,714 | $ 111,000 |
| Salt Lake City, UT | 7 | $ 1,885,000 | $ 269,285 | $ 135,000 |
| Lancaster, PA | 6 | $ 1,410,000 | $ 235,000 | $ 78,000 |
| Lansing-East Lansing, MI | 6 | $ 1,300,000 | $ 216,666 | $ 63,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 1,640,000 | $ 273,333 | $ 101,000 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 2,490,000 | $ 415,000 | $ 279,000 |
| Ocala, FL | 6 | $ 1,090,000 | $ 181,666 | $ 75,000 |
| Panama City, FL | 6 | $ 4,350,000 | $ 725,000 | $ 216,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 2,200,000 | $ 366,666 | $ 142,000 |
| Springfield, MO | 6 | $ 970,000 | $ 161,666 | $ 88,000 |
| The Villages, FL | 6 | $ 1,920,000 | $ 320,000 | $ 119,000 |
| Atlantic City-Hammonton, NJ | 5 | $ 875,000 | $ 175,000 | $ 54,000 |
| Baton Rouge, LA | 5 | $ 1,445,000 | $ 289,000 | $ 123,000 |
| Flint, MI | 5 | $ 1,045,000 | $ 209,000 | $ 83,000 |
| Gulfport-Biloxi-Pascagoula, MS | 5 | $ 875,000 | $ 175,000 | $ 118,000 |
| Homosassa Springs, FL | 5 | $ 1,115,000 | $ 223,000 | $ 109,000 |
| Lafayette, LA | 5 | $ 1,225,000 | $ 245,000 | $ 112,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 1,275,000 | $ 255,000 | $ 128,800 |
| Madison, WI | 5 | $ 1,005,000 | $ 201,000 | $ 141,000 |
| Port St. Lucie, FL | 5 | $ 1,355,000 | $ 271,000 | $ 162,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 3,575,000 | $ 715,000 | $ 265,000 |
| Sebastian-Vero Beach, FL | 5 | $ 1,375,000 | $ 275,000 | $ 81,000 |
| Gainesville, FL | 4 | $ 1,140,000 | $ 285,000 | $ 114,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 800,000 | $ 200,000 | $ 85,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 950,000 | $ 237,500 | $ 66,000 |
| San Francisco-Redwood City-South San Francisco, CA | 4 | $ 1,750,000 | $ 437,500 | $ 103,000 |
| Spartanburg, SC | 4 | $ 760,000 | $ 190,000 | $ 98,000 |
| Wilmington, NC | 4 | $ 1,390,000 | $ 347,500 | $ 93,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 1,605,000 | $ 535,000 | $ 441,000 |
| Clarksville, TN-KY | 3 | $ 675,000 | $ 225,000 | $ 90,000 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 655,000 | $ 218,333 | $ 185,000 |
| Erie, PA | 3 | $ 115,000 | $ 38,333 | $ 98,000 |
| Fort Wayne, IN | 3 | $ 355,000 | $ 118,333 | $ 56,000 |
| Gainesville, GA | 3 | $ 735,000 | $ 245,000 | $ 80,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 495,000 | $ 165,000 | $ 63,000 |
| Greensboro-High Point, NC | 3 | $ 845,000 | $ 281,666 | $ 181,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 415,000 | $ 138,333 | $ 88,333 |
| Jackson, MS | 3 | $ 855,000 | $ 285,000 | $ 91,000 |
| Kalamazoo-Portage, MI | 3 | $ 965,000 | $ 321,666 | $ 360,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 715,000 | $ 238,333 | $ 65,000 |
| Knoxville, TN | 3 | $ 525,000 | $ 175,000 | $ 82,000 |
| Lynchburg, VA | 3 | $ 925,000 | $ 308,333 | $ 162,000 |
| Mobile, AL | 3 | $ 805,000 | $ 268,333 | $ 149,000 |
| Monroe, LA | 3 | $ 805,000 | $ 268,333 | $ 66,000 |
| Montgomery, AL | 3 | $ 465,000 | $ 155,000 | $ 279,000 |
| Norwich-New London, CT | 3 | $ 855,000 | $ 285,000 | $ 71,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,605,000 | $ 535,000 | $ 175,000 |
| San Rafael, CA | 3 | $ 1,505,000 | $ 501,666 | $ 86,000 |
| Savannah, GA | 3 | $ 635,000 | $ 211,666 | $ 151,000 |
| Trenton, NJ | 3 | $ 685,000 | $ 228,333 | $ 109,000 |
| Vallejo-Fairfield, CA | 3 | $ 845,000 | $ 281,666 | $ 251,000 |
| York-Hanover, PA | 3 | $ 655,000 | $ 218,333 | $ 144,000 |
| Auburn-Opelika, AL | 2 | $ 540,000 | $ 270,000 | $ 198,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 450,000 | $ 225,000 | $ 69,000 |
| Bloomington, IN | 2 | $ 470,000 | $ 235,000 | $ 142,000 |
| Canton-Massillon, OH | 2 | $ 390,000 | $ 195,000 | $ 81,000 |
| Charlottesville, VA | 2 | $ 710,000 | $ 355,000 | $ 796,000 |
| Colorado Springs, CO | 2 | $ 770,000 | $ 385,000 | $ 193,000 |
| Columbus, IN | 2 | $ 660,000 | $ 330,000 | $ 156,000 |
| Corvallis, OR | 2 | $ 350,000 | $ 175,000 | $ 93,000 |
| Dalton, GA | 2 | $ 540,000 | $ 270,000 | $ 153,000 |
| East Stroudsburg, PA | 2 | $ 790,000 | $ 395,000 | $ 105,000 |
| Eugene, OR | 2 | $ 560,000 | $ 280,000 | $ 78,000 |
| Evansville, IN-KY | 2 | $ 480,000 | $ 240,000 | $ 130,000 |
| Florence-Muscle Shoals, AL | 2 | $ 260,000 | $ 130,000 | $ 80,000 |
| Fresno, CA | 2 | $ 210,000 | $ 105,000 | $ 44,000 |
| Gadsden, AL | 2 | $ 500,000 | $ 250,000 | $ 112,000 |
| Medford, OR | 2 | $ 390,000 | $ 195,000 | $ 104,000 |
| Ocean City, NJ | 2 | $ 630,000 | $ 315,000 | $ 77,000 |
| Provo-Orem, UT | 2 | $ 840,000 | $ 420,000 | $ 117,000 |
| Reading, PA | 2 | $ 580,000 | $ 290,000 | $ 173,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 390,000 | $ 195,000 | $ 86,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 700,000 | $ 350,000 | $ 255,000 |
| Sebring, FL | 2 | $ 160,000 | $ 80,000 | $ 62,000 |
| Staunton-Waynesboro, VA | 2 | $ 400,000 | $ 200,000 | $ 65,000 |
| Tacoma-Lakewood, WA | 2 | $ 400,000 | $ 200,000 | $ 91,000 |
| Terre Haute, IN | 2 | $ 130,000 | $ 65,000 | $ 118,000 |
| Toledo, OH | 2 | $ 300,000 | $ 150,000 | $ 133,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 310,000 | $ 155,000 | $ 111,000 |
| Albany, OR | 1 | $ 295,000 | $ 295,000 | $ 83,000 |
| Altoona, PA | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Ann Arbor, MI | 1 | $ 185,000 | $ 185,000 | $ 93,000 |
| Bakersfield, CA | 1 | $ 185,000 | $ 185,000 | $ 147,000 |
| Battle Creek, MI | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Bay City, MI | 1 | $ 305,000 | $ 305,000 | $ 162,000 |
| Bellingham, WA | 1 | $ 545,000 | $ 545,000 | $ 227,000 |
| Bend-Redmond, OR | 1 | $ 185,000 | $ 185,000 | $ 150,000 |
| Bloomington, IL | 1 | $ 285,000 | $ 285,000 | $ 134,000 |
| Boulder, CO | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Brunswick, GA | 1 | $ 1,125,000 | $ 1,125,000 | $ 500,000 |
| Burlington, NC | 1 | $ 55,000 | $ 55,000 | $ 2,537,000 |
| Cape Girardeau, MO-IL | 1 | $ 295,000 | $ 295,000 | $ 53,000 |
| Cleveland, TN | 1 | $ 405,000 | $ 405,000 | $ 111,000 |
| Columbus, GA-AL | 1 | $ 145,000 | $ 145,000 | $ 87,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 125,000 | $ 125,000 | $ 105,000 |
| Decatur, AL | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Dothan, AL | 1 | $ 215,000 | $ 215,000 | $ 94,000 |
| Duluth, MN-WI | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Elgin, IL | 1 | $ 65,000 | $ 65,000 | $ 127,000 |
| Elkhart-Goshen, IN | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Fayetteville, NC | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Florence, SC | 1 | $ 255,000 | $ 255,000 | $ 280,000 |
| Fort Collins, CO | 1 | $ 5,000 | $ 5,000 | $ 23,000 |
| Gettysburg, PA | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Grants Pass, OR | 1 | $ 225,000 | $ 225,000 | $ 94,000 |
| Green Bay, WI | 1 | $ 175,000 | $ 175,000 | $ 140,000 |
| Greenville, NC | 1 | $ 415,000 | $ 415,000 | $ 91,000 |
| Harrisburg-Carlisle, PA | 1 | $ 195,000 | $ 195,000 | $ 390,000 |
| Houma-Thibodaux, LA | 1 | $ 385,000 | $ 385,000 | $ 400,000 |
| Johnson City, TN | 1 | $ 125,000 | $ 125,000 | $ 43,000 |
| Johnstown, PA | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Joplin, MO | 1 | $ 125,000 | $ 125,000 | $ 145,000 |
| Kankakee, IL | 1 | $ 225,000 | $ 225,000 | $ 69,000 |
| Kokomo, IN | 1 | $ 65,000 | $ 65,000 | $ 12,000 |
| Lafayette-West Lafayette, IN | 1 | $ 115,000 | $ 115,000 | $ 109,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Longview, WA | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Madera, CA | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Modesto, CA | 1 | $ 185,000 | $ 185,000 | $ 245,000 |
| Monroe, MI | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| Morristown, TN | 1 | $ 805,000 | $ 805,000 | $ 840,000 |
| New Bern, NC | 1 | $ 485,000 | $ 485,000 | $ 99,000 |
| Niles-Benton Harbor, MI | 1 | $ 165,000 | $ 165,000 | $ 178,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 325,000 | $ 325,000 | $ 308,000 |
| Punta Gorda, FL | 1 | $ 655,000 | $ 655,000 | $ 242,000 |
| Racine, WI | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Roanoke, VA | 1 | $ 235,000 | $ 235,000 | $ 117,000 |
| Rochester, MN | 1 | $ 215,000 | $ 215,000 | $ 201,000 |
| Rome, GA | 1 | $ 135,000 | $ 135,000 | $ 185,000 |
| Saginaw, MI | 1 | $ 95,000 | $ 95,000 | $ 208,000 |
| Salem, OR | 1 | $ 165,000 | $ 165,000 | $ 112,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 195,000 | $ 195,000 | $ 131,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 665,000 | $ 665,000 | $ 140,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 195,000 | $ 195,000 | $ 124,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Spokane-Spokane Valley, WA | 1 | $ 225,000 | $ 225,000 | $ 69,000 |
| St. George, UT | 1 | $ 465,000 | $ 465,000 | $ 83,000 |
| St. Joseph, MO-KS | 1 | $ 475,000 | $ 475,000 | $ 148,000 |
| Stockton-Lodi, CA | 1 | $ 285,000 | $ 285,000 | $ 51,000 |
| Sumter, SC | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Tallahassee, FL | 1 | $ 625,000 | $ 625,000 | $ 250,000 |
| Tuscaloosa, AL | 1 | $ 175,000 | $ 175,000 | $ 31,000 |
| Visalia-Porterville, CA | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Wilmington, DE-MD-NJ | 1 | $ 215,000 | $ 215,000 | $ 55,000 |
| Worcester, MA-CT | 1 | $ 285,000 | $ 285,000 | $ 47,000 |
| Yuma, AZ | 1 | $ 205,000 | $ 205,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2021
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 | 2,374 | $629,550,000 | $265,000 | $6,005,000 | $115,000 | $4,357,000 |
| Refinancing | 2,270 | $590,900,000 | $260,000 | $5,745,000 | $127,000 | $1,349,000 |
| Cash-out Refinancing | 2,034 | $451,540,000 | $221,000 | $2,045,000 | $112,000 | $2,331,000 |
| Other Purpose | 806 | $97,900,000 | $121,000 | $1,845,000 | $135,000 | $3,224,000 |
| Home Improvement | 500 | $41,270,000 | $82,000 | $925,000 | $136,000 | $2,359,000 |
| Not Applicable | 10 | $630,000 | $63,000 | $125,000 | $27,000 | $44,000 |
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 | 5,558 | $1,177,550,000 | $211,000 | $2,255,000 | $127,000 | $4,357,000 |
| Black or African American | 775 | $126,425,000 | $163,000 | $1,125,000 | $74,000 | $1,947,000 |
| Not Provided | 601 | $142,745,000 | $237,000 | $1,445,000 | $132,000 | $2,537,000 |
| Hispanic | 368 | $73,780,000 | $200,000 | $1,455,000 | $86,000 | $580,000 |
| Not applicable | 356 | $204,970,000 | $575,000 | $6,005,000 | $0 | $0 |
| Asian | 204 | $56,460,000 | $276,000 | $2,555,000 | $150,000 | $1,164,000 |
| American Indian or Alaskan Native | 37 | $5,725,000 | $154,000 | $545,000 | $87,000 | $230,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $995,000 | $199,000 | $335,000 | $86,000 | $180,000 |
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) | 7,635 | $1,741,725,000 | $228,000 | $6,005,000 | $124,000 | $4,357,000 |
| FHA-insured (Federal Housing Administration) | 247 | $44,455,000 | $179,000 | $515,000 | $57,000 | $280,000 |
| VA-guaranteed (Veterans Administration) | 89 | $21,565,000 | $242,000 | $625,000 | $81,000 | $364,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $4,045,000 | $175,000 | $285,000 | $53,000 | $90,000 |
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 | 4,887 | $1,132,015,000 | $231,000 | $6,005,000 | $125,000 | $4,357,000 |
| Application Withdrawn By Applicant | 2,055 | $475,285,000 | $231,000 | $5,745,000 | $120,000 | $3,224,000 |
| Application Denied By Financial Institution | 505 | $99,055,000 | $196,000 | $3,485,000 | $83,000 | $1,947,000 |
| File Closed For Incompleteness | 410 | $82,370,000 | $200,000 | $2,115,000 | $131,000 | $1,532,000 |
| Loan Purchased By The Institution | 70 | $9,740,000 | $139,000 | $255,000 | $33,000 | $57,000 |
| Application Approved But Not Accepted | 67 | $13,325,000 | $198,000 | $705,000 | $124,000 | $505,000 |
| 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 | 7,489 | $1,712,735,000 | $228,000 | $6,005,000 | $123,000 | $4,357,000 |
| Debt-To-Income Ratio | 246 | $43,740,000 | $177,000 | $2,045,000 | $53,000 | $264,000 |
| Credit History | 107 | $14,655,000 | $136,000 | $1,285,000 | $96,000 | $1,220,000 |
| Other | 83 | $24,055,000 | $289,000 | $1,405,000 | $203,000 | $1,947,000 |
| Collateral | 41 | $10,885,000 | $265,000 | $3,485,000 | $149,000 | $1,441,000 |
| Employment History | 17 | $2,685,000 | $157,000 | $345,000 | $74,000 | $253,000 |
| Unverifiable Information | 6 | $2,280,000 | $380,000 | $1,505,000 | $146,000 | $494,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $535,000 | $178,000 | $235,000 | $55,000 | $61,000 |
| Credit Application Incomplete | 2 | $220,000 | $110,000 | $195,000 | $92,000 | $134,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2021 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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