Republic Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Republic Bank & Trust of Louisville, KY reported 5,737 mortgage applications totaling $1.2 billion, down 28% from 2021. The average application was for $215,658, and applicants reported an average income of $128,662. 58% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (3,048), Tampa-St. Petersburg-Clearwater, FL (671) and Lexington-Fayette, KY (489) (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 | 5,737 |
| Total Mortgage Loan Application Amount | $1,237,235,000 |
| Average Mortgage Loan Application Amount | $215,658 |
| Highest Mortgage Loan Application Amount | $21,885,000 |
| Average Applicant Income | $128,662 |
| Highest Applicant Income | $4,072,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,048 | $ 530,090,000 | $ 173,914 | $ 123,387 |
| Tampa-St. Petersburg-Clearwater, FL | 671 | $ 144,145,000 | $ 214,821 | $ 125,000 |
| Lexington-Fayette, KY | 489 | $ 131,735,000 | $ 269,396 | $ 133,000 |
| Cincinnati, OH-KY-IN | 347 | $ 126,325,000 | $ 364,048 | $ 130,273 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 328 | $ 80,990,000 | $ 246,920 | $ 182,000 |
| Outside any metro area | 224 | $ 46,980,000 | $ 209,732 | $ 108,767 |
| Atlanta-Sandy Springs-Roswell, GA | 47 | $ 12,065,000 | $ 256,702 | $ 90,000 |
| Columbus, OH | 22 | $ 5,250,000 | $ 238,636 | $ 152,000 |
| Elizabethtown-Fort Knox, KY | 21 | $ 3,175,000 | $ 151,190 | $ 124,000 |
| North Port-Sarasota-Bradenton, FL | 19 | $ 4,395,000 | $ 231,315 | $ 111,000 |
| Lakeland-Winter Haven, FL | 18 | $ 3,230,000 | $ 179,444 | $ 96,000 |
| Jacksonville, FL | 17 | $ 5,825,000 | $ 342,647 | $ 249,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 17 | $ 5,515,000 | $ 324,411 | $ 134,000 |
| Orlando-Kissimmee-Sanford, FL | 16 | $ 5,010,000 | $ 313,125 | $ 156,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 16 | $ 5,060,000 | $ 316,250 | $ 123,750 |
| Montgomery County-Bucks County-Chester County, PA | 14 | $ 3,020,000 | $ 215,714 | $ 76,000 |
| Chicago-Naperville, IL | 12 | $ 3,880,000 | $ 323,333 | $ 109,000 |
| Bowling Green, KY | 11 | $ 2,535,000 | $ 230,454 | $ 90,000 |
| Philadelphia, PA | 11 | $ 2,035,000 | $ 185,000 | $ 79,000 |
| Newark, NJ-PA | 10 | $ 2,350,000 | $ 235,000 | $ 74,000 |
| Indianapolis-Carmel-Anderson, IN | 9 | $ 2,105,000 | $ 233,888 | $ 95,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 9 | $ 1,665,000 | $ 185,000 | $ 110,000 |
| Ocala, FL | 9 | $ 1,395,000 | $ 155,000 | $ 47,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 9 | $ 2,015,000 | $ 223,888 | $ 78,888 |
| Clarksville, TN-KY | 8 | $ 1,530,000 | $ 191,250 | $ 127,500 |
| Crestview-Fort Walton Beach-Destin, FL | 8 | $ 6,410,000 | $ 801,250 | $ 643,000 |
| Owensboro, KY | 8 | $ 790,000 | $ 98,750 | $ 49,000 |
| Warren-Troy-Farmington Hills, MI | 8 | $ 1,290,000 | $ 161,250 | $ 59,000 |
| Camden, NJ | 7 | $ 1,145,000 | $ 163,571 | $ 116,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 2,865,000 | $ 409,285 | $ 231,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 1,735,000 | $ 247,857 | $ 81,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 7 | $ 1,985,000 | $ 283,571 | $ 124,000 |
| Richmond, VA | 7 | $ 1,575,000 | $ 225,000 | $ 87,000 |
| Springfield, MO | 7 | $ 2,145,000 | $ 306,428 | $ 125,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 1,300,000 | $ 216,666 | $ 109,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 3,560,000 | $ 593,333 | $ 175,000 |
| Charlotte-Concord-Gastonia, NC-SC | 6 | $ 1,500,000 | $ 250,000 | $ 120,833 |
| Cleveland-Elyria, OH | 6 | $ 960,000 | $ 160,000 | $ 118,000 |
| Dayton-Springfield-Kettering, OH | 6 | $ 6,700,000 | $ 1,116,666 | $ 116,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 1,440,000 | $ 240,000 | $ 105,000 |
| New York-Newark, NY | 6 | $ 1,380,000 | $ 230,000 | $ 173,000 |
| Raleigh, NC | 6 | $ 1,640,000 | $ 273,333 | $ 83,000 |
| Greensboro-High Point, NC | 5 | $ 1,605,000 | $ 321,000 | $ 192,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 1,895,000 | $ 379,000 | $ 150,000 |
| Port St. Lucie, FL | 5 | $ 915,000 | $ 183,000 | $ 59,000 |
| Punta Gorda, FL | 5 | $ 1,635,000 | $ 327,000 | $ 99,000 |
| Savannah, GA | 5 | $ 855,000 | $ 171,000 | $ 79,000 |
| Akron, OH | 4 | $ 940,000 | $ 235,000 | $ 80,000 |
| Asheville, NC | 4 | $ 870,000 | $ 217,500 | $ 70,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 1,290,000 | $ 322,500 | $ 122,000 |
| Charlottesville, VA | 4 | $ 940,000 | $ 235,000 | $ 143,000 |
| Evansville, IN-KY | 4 | $ 970,000 | $ 242,500 | $ 85,500 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 1,020,000 | $ 255,000 | $ 105,000 |
| Harrisburg-Carlisle, PA | 4 | $ 1,600,000 | $ 400,000 | $ 152,000 |
| Huntsville, AL | 4 | $ 980,000 | $ 245,000 | $ 195,000 |
| Knoxville, TN | 4 | $ 1,240,000 | $ 310,000 | $ 148,000 |
| Lancaster, PA | 4 | $ 770,000 | $ 192,500 | $ 81,000 |
| New Haven-Milford, CT | 4 | $ 1,520,000 | $ 380,000 | $ 141,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,200,000 | $ 300,000 | $ 89,000 |
| Roanoke, VA | 4 | $ 580,000 | $ 145,000 | $ 87,000 |
| Sebastian-Vero Beach, FL | 4 | $ 1,580,000 | $ 395,000 | $ 316,000 |
| Tallahassee, FL | 4 | $ 860,000 | $ 215,000 | $ 141,000 |
| Toledo, OH | 4 | $ 800,000 | $ 200,000 | $ 66,000 |
| Athens-Clarke County, GA | 3 | $ 665,000 | $ 221,666 | $ 33,000 |
| Birmingham-Hoover, AL | 3 | $ 675,000 | $ 225,000 | $ 154,000 |
| Columbia, SC | 3 | $ 395,000 | $ 131,666 | $ 45,000 |
| East Stroudsburg, PA | 3 | $ 695,000 | $ 231,666 | $ 100,000 |
| Fayetteville, NC | 3 | $ 315,000 | $ 105,000 | $ 118,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 7,635,000 | $ 2,545,000 | $ 918,000 |
| Lafayette, LA | 3 | $ 315,000 | $ 105,000 | $ 36,000 |
| Memphis, TN-MS-AR | 3 | $ 425,000 | $ 141,666 | $ 181,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 655,000 | $ 218,333 | $ 101,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 845,000 | $ 281,666 | $ 42,000 |
| Panama City, FL | 3 | $ 4,435,000 | $ 1,478,333 | $ 890,000 |
| Pittsburgh, PA | 3 | $ 555,000 | $ 185,000 | $ 111,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 535,000 | $ 178,333 | $ 88,000 |
| Terre Haute, IN | 3 | $ 235,000 | $ 78,333 | $ 81,000 |
| The Villages, FL | 3 | $ 345,000 | $ 115,000 | $ 79,000 |
| Albany, GA | 2 | $ 350,000 | $ 175,000 | $ 50,000 |
| Auburn-Opelika, AL | 2 | $ 280,000 | $ 140,000 | $ 153,000 |
| Charleston-North Charleston, SC | 2 | $ 500,000 | $ 250,000 | $ 140,000 |
| Chattanooga, TN-GA | 2 | $ 780,000 | $ 390,000 | $ 240,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 960,000 | $ 480,000 | $ 145,000 |
| Gainesville, FL | 2 | $ 540,000 | $ 270,000 | $ 148,000 |
| Gary, IN | 2 | $ 160,000 | $ 80,000 | $ 134,000 |
| Harrisonburg, VA | 2 | $ 430,000 | $ 215,000 | $ 60,000 |
| Jackson, MS | 2 | $ 890,000 | $ 445,000 | $ 158,000 |
| Kansas City, MO-KS | 2 | $ 260,000 | $ 130,000 | $ 24,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 1,060,000 | $ 530,000 | $ 242,000 |
| Mobile, AL | 2 | $ 220,000 | $ 110,000 | $ 50,000 |
| Morristown, TN | 2 | $ 260,000 | $ 130,000 | $ 38,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 410,000 | $ 205,000 | $ 52,000 |
| San Diego-Carlsbad, CA | 2 | $ 760,000 | $ 380,000 | $ 149,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 810,000 | $ 405,000 | $ 299,000 |
| St. Louis, MO-IL | 2 | $ 420,000 | $ 210,000 | $ 296,000 |
| Staunton-Waynesboro, VA | 2 | $ 710,000 | $ 355,000 | $ 241,000 |
| York-Hanover, PA | 2 | $ 330,000 | $ 165,000 | $ 27,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 955,000 | $ 955,000 | $ 216,000 |
| Ann Arbor, MI | 1 | $ 305,000 | $ 305,000 | $ 192,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 155,000 | $ 155,000 | $ 102,000 |
| Appleton, WI | 1 | $ 175,000 | $ 175,000 | $ 120,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 305,000 | $ 305,000 | $ 40,000 |
| Bakersfield, CA | 1 | $ 275,000 | $ 275,000 | $ 200,000 |
| Baton Rouge, LA | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 165,000 | $ 165,000 | $ 25,000 |
| Columbus, IN | 1 | $ 255,000 | $ 255,000 | $ 108,000 |
| Dalton, GA | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 235,000 | $ 235,000 | $ 108,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 235,000 | $ 235,000 | $ 120,000 |
| Dothan, AL | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Elgin, IL | 1 | $ 435,000 | $ 435,000 | $ 164,000 |
| Erie, PA | 1 | $ 75,000 | $ 75,000 | $ 165,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 575,000 | $ 575,000 | $ 474,000 |
| Fort Collins, CO | 1 | $ 565,000 | $ 565,000 | $ 274,000 |
| Fresno, CA | 1 | $ 275,000 | $ 275,000 | $ 47,000 |
| Glens Falls, NY | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,496,000 |
| Goldsboro, NC | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Homosassa Springs, FL | 1 | $ 105,000 | $ 105,000 | $ 129,000 |
| Houma-Thibodaux, LA | 1 | $ 25,000 | $ 25,000 | $ 18,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Jefferson City, MO | 1 | $ 205,000 | $ 205,000 | $ 139,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 185,000 | $ 185,000 | $ 150,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 335,000 | $ 335,000 | $ 117,000 |
| Lima, OH | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 345,000 | $ 345,000 | $ 23,000 |
| Madison, WI | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
| Merced, CA | 1 | $ 225,000 | $ 225,000 | $ 369,000 |
| Montgomery, AL | 1 | $ 335,000 | $ 335,000 | $ 123,000 |
| Muncie, IN | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| New Orleans-Metairie, LA | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 745,000 | $ 745,000 | $ 148,000 |
| Rochester, MN | 1 | $ 175,000 | $ 175,000 | $ 96,000 |
| Rome, GA | 1 | $ 245,000 | $ 245,000 | $ 96,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 255,000 | $ 255,000 | $ 85,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 515,000 | $ 515,000 | $ 621,000 |
| Shreveport-Bossier City, LA | 1 | $ 255,000 | $ 255,000 | $ 159,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 215,000 | $ 215,000 | $ 28,000 |
| Spartanburg, SC | 1 | $ 285,000 | $ 285,000 | $ 59,000 |
| Spokane-Spokane Valley, WA | 1 | $ 365,000 | $ 365,000 | $ 107,000 |
| Springfield, OH | 1 | $ 165,000 | $ 165,000 | $ 93,000 |
| Sumter, SC | 1 | $ 115,000 | $ 115,000 | $ 175,000 |
| Trenton, NJ | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Tuscaloosa, AL | 1 | $ 195,000 | $ 195,000 | $ 78,000 |
| Wausau, WI | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Wheeling, WV-OH | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Winston-Salem, NC | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2022
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 | 1,981 | $599,215,000 | $302,000 | $21,885,000 | $132,000 | $3,250,000 |
| Other Purpose | 1,408 | $150,510,000 | $106,000 | $1,505,000 | $133,000 | $4,072,000 |
| Cash-out Refinancing | 1,148 | $248,660,000 | $216,000 | $2,885,000 | $125,000 | $1,496,000 |
| Home Improvement | 803 | $78,765,000 | $98,000 | $1,005,000 | $121,000 | $923,000 |
| Refinancing | 388 | $159,890,000 | $412,000 | $17,005,000 | $125,000 | $1,740,000 |
| Not Applicable | 9 | $195,000 | $21,000 | $65,000 | $24,000 | $35,000 |
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 | 3,827 | $742,545,000 | $194,000 | $3,355,000 | $141,000 | $4,072,000 |
| Black or African American | 656 | $94,380,000 | $143,000 | $2,005,000 | $81,000 | $2,140,000 |
| Not Provided | 504 | $92,720,000 | $183,000 | $3,205,000 | $115,000 | $1,700,000 |
| Hispanic | 317 | $46,215,000 | $145,000 | $695,000 | $79,000 | $490,000 |
| Not applicable | 248 | $213,310,000 | $860,000 | $21,885,000 | $0 | $0 |
| Asian | 122 | $34,900,000 | $286,000 | $1,205,000 | $168,000 | $951,000 |
| American Indian or Alaskan Native | 22 | $2,930,000 | $133,000 | $415,000 | $131,000 | $546,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,065,000 | $152,000 | $305,000 | $82,000 | $156,000 |
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) | 5,493 | $1,182,995,000 | $215,000 | $21,885,000 | $131,000 | $4,072,000 |
| FHA-insured (Federal Housing Administration) | 185 | $37,885,000 | $204,000 | $745,000 | $68,000 | $251,000 |
| VA-guaranteed (Veterans Administration) | 47 | $14,315,000 | $304,000 | $945,000 | $94,000 | $297,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $2,040,000 | $170,000 | $215,000 | $57,000 | $100,000 |
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 | 3,348 | $777,250,000 | $232,000 | $21,885,000 | $146,000 | $4,072,000 |
| Application Withdrawn By Applicant | 1,577 | $311,975,000 | $197,000 | $6,745,000 | $111,000 | $1,740,000 |
| Application Denied By Financial Institution | 404 | $74,550,000 | $184,000 | $3,025,000 | $76,000 | $505,000 |
| File Closed For Incompleteness | 285 | $54,005,000 | $189,000 | $1,755,000 | $123,000 | $900,000 |
| Loan Purchased By The Institution | 81 | $10,615,000 | $131,000 | $345,000 | $36,000 | $78,000 |
| Application Approved But Not Accepted | 42 | $8,840,000 | $210,000 | $1,315,000 | $151,000 | $1,249,000 |
| 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 | 5,333 | $1,162,685,000 | $218,000 | $21,885,000 | $132,000 | $4,072,000 |
| Debt-To-Income Ratio | 208 | $32,770,000 | $157,000 | $1,405,000 | $65,000 | $379,000 |
| Credit History | 79 | $6,455,000 | $81,000 | $385,000 | $84,000 | $317,000 |
| Other | 69 | $29,505,000 | $427,000 | $3,025,000 | $126,000 | $505,000 |
| Employment History | 22 | $1,690,000 | $76,000 | $245,000 | $71,000 | $177,000 |
| Collateral | 20 | $3,130,000 | $156,000 | $385,000 | $111,000 | $295,000 |
| Unverifiable Information | 3 | $685,000 | $228,000 | $385,000 | $59,000 | $177,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $315,000 | $105,000 | $135,000 | $62,000 | $109,000 |
| 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 2022 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