Republic Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Republic Bank & Trust Company 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Republic Bank & Trust Company 601 W Market St Louisville, KY 40202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 4,875 |
| Total Mortgage Loan Application Amount | $1,129,485,000 |
| Average Mortgage Loan Application Amount | $223,833 |
| Highest Mortgage Loan Application Amount | $37,705,000 |
| Average Applicant Income | $116,000 |
| Highest Applicant Income | $3,500,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Republic Bank & Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Republic Bank & Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Republic Bank & Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Republic Bank & Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Republic Bank & Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Republic Bank & Trust Company's mortgage activity for 2023.
| 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 | 2,249 | $ 444,355,000 | $ 222,500 | $ 115,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 773 | $ 133,265,000 | $ 172,000 | $ 136,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 447 | $ 89,005,000 | $ 199,000 | $ 146,000 |
| CINCINNATI, OH-KY-IN | 443 | $ 114,365,000 | $ 201,666 | $ 172,333 |
| LEXINGTON-FAYETTE, KY | 426 | $ 97,270,000 | $ 228,000 | $ 128,000 |
| NA (OUTSIDE OF MSA/MD) | 160 | $ 35,300,000 | $ 373,181 | $ 361,666 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 27 | $ 9,605,000 | $ 355,000 | $ 251,000 |
| ELIZABETHTOWN-FORT KNOX, KY | 24 | $ 38,480,000 | $ 1,603,000 | $ 83,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 24 | $ 24,230,000 | $ 1,009,000 | $ 127,000 |
| CHICAGO-NAPERVILLE, IL | 16 | $ 7,370,000 | $ 460,000 | $ 85,000 |
| COLUMBUS, OH | 16 | $ 2,710,000 | $ 169,000 | $ 156,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 14 | $ 13,190,000 | $ 942,000 | $ 0 |
| LAKELAND-WINTER HAVEN, FL | 12 | $ 1,440,000 | $ 120,000 | $ 111,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 11 | $ 3,685,000 | $ 335,000 | $ 167,000 |
| DAYTON-SPRINGFIELD-KETTERING, OH | 11 | $ 2,215,000 | $ 201,000 | $ 119,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 10 | $ 2,820,000 | $ 282,000 | $ 105,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 9 | $ 8,695,000 | $ 966,000 | $ 0 |
| CLARKSVILLE, TN-KY | 8 | $ 640,000 | $ 80,000 | $ 86,000 |
| CLEVELAND-ELYRIA, OH | 8 | $ 2,130,000 | $ 266,000 | $ 149,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 8 | $ 1,870,000 | $ 233,000 | $ 316,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 7 | $ 2,615,000 | $ 373,000 | $ 131,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 7 | $ 2,125,000 | $ 303,000 | $ 235,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 6 | $ 6,830,000 | $ 1,138,000 | $ 0 |
| JACKSONVILLE, FL | 6 | $ 1,900,000 | $ 316,000 | $ 79,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 6 | $ 5,250,000 | $ 875,000 | $ 892,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 6 | $ 6,820,000 | $ 1,136,000 | $ 0 |
| OCALA, FL | 5 | $ 1,815,000 | $ 363,000 | $ 214,000 |
| SAN DIEGO-CARLSBAD, CA | 5 | $ 4,455,000 | $ 891,000 | $ 0 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 5 | $ 925,000 | $ 185,000 | $ 84,000 |
| CAPE CORAL-FORT MYERS, FL | 4 | $ 800,000 | $ 200,000 | $ 108,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 4 | $ 4,640,000 | $ 1,160,000 | $ 590,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 4 | $ 2,480,000 | $ 620,000 | $ 0 |
| PUNTA GORDA, FL | 4 | $ 540,000 | $ 135,000 | $ 155,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 4 | $ 2,680,000 | $ 670,000 | $ 0 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 4 | $ 2,890,000 | $ 722,000 | $ 0 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 4 | $ 3,860,000 | $ 965,000 | $ 0 |
| SANTA ROSA, CA | 4 | $ 3,800,000 | $ 950,000 | $ 0 |
| THE VILLAGES, FL | 4 | $ 1,710,000 | $ 427,000 | $ 214,000 |
| BOWLING GREEN, KY | 3 | $ 925,000 | $ 308,000 | $ 247,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 3 | $ 795,000 | $ 265,000 | $ 79,000 |
| CHATTANOOGA, TN-GA | 3 | $ 1,015,000 | $ 338,000 | $ 171,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 3 | $ 785,000 | $ 261,000 | $ 98,000 |
| EVANSVILLE, IN-KY | 3 | $ 585,000 | $ 225,000 | $ 96,000 |
| KNOXVILLE, TN | 3 | $ 2,545,000 | $ 848,000 | $ 877,000 |
| RALEIGH, NC | 3 | $ 1,825,000 | $ 608,000 | $ 247,000 |
| SAN RAFAEL, CA | 3 | $ 2,875,000 | $ 958,000 | $ 0 |
| SANTA CRUZ-WATSONVILLE, CA | 3 | $ 2,795,000 | $ 931,000 | $ 0 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 3 | $ 2,585,000 | $ 861,000 | $ 285,000 |
| CAMDEN, NJ | 2 | $ 290,000 | $ 145,000 | $ 103,000 |
| COLUMBIA, SC | 2 | $ 370,000 | $ 185,000 | $ 93,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 2 | $ 1,290,000 | $ 645,000 | $ 437,000 |
| GAINESVILLE, GA | 2 | $ 1,350,000 | $ 675,000 | $ 68,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 2 | $ 1,030,000 | $ 515,000 | $ 164,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 2 | $ 1,350,000 | $ 675,000 | $ 203,000 |
| HOMOSASSA SPRINGS, FL | 2 | $ 520,000 | $ 260,000 | $ 178,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 2 | $ 160,000 | $ 80,000 | $ 49,000 |
| NAPA, CA | 2 | $ 1,460,000 | $ 730,000 | $ 0 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 2 | $ 1,010,000 | $ 505,000 | $ 118,000 |
| NILES-BENTON HARBOR, MI | 2 | $ 830,000 | $ 415,000 | $ 0 |
| PENSACOLA-FERRY PASS-BRENT, FL | 2 | $ 690,000 | $ 345,000 | $ 200,000 |
| PORT ST. LUCIE, FL | 2 | $ 500,000 | $ 250,000 | $ 331,000 |
| SEBASTIAN-VERO BEACH, FL | 2 | $ 1,020,000 | $ 510,000 | $ 428,000 |
| TALLAHASSEE, FL | 2 | $ 600,000 | $ 300,000 | $ 126,000 |
| TOLEDO, OH | 2 | $ 630,000 | $ 315,000 | $ 51,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 2 | $ 400,000 | $ 200,000 | $ 95,000 |
| AKRON, OH | 1 | $ 265,000 | $ 265,000 | $ 192,000 |
| ASHEVILLE, NC | 1 | $ 315,000 | $ 315,000 | $ 230,000 |
| ATHENS-CLARKE COUNTY, GA | 1 | $ 195,000 | $ 195,000 | $ 51,000 |
| BLOOMINGTON, IN | 1 | $ 265,000 | $ 265,000 | $ 255,000 |
| BRUNSWICK, GA | 1 | $ 305,000 | $ 305,000 | $ 0 |
| CHARLESTON-NORTH CHARLESTON, SC | 1 | $ 305,000 | $ 305,000 | $ 214,000 |
| COLUMBUS, GA-AL | 1 | $ 405,000 | $ 405,000 | $ 127,000 |
| DENVER-AURORA-LAKEWOOD, CO | 1 | $ 365,000 | $ 365,000 | $ 0 |
| ELGIN, IL | 1 | $ 275,000 | $ 275,000 | $ 0 |
| ELKHART-GOSHEN, IN | 1 | $ 165,000 | $ 165,000 | $ 117,000 |
| GARY, IN | 1 | $ 405,000 | $ 405,000 | $ 194,000 |
| GREENSBORO-HIGH POINT, NC | 1 | $ 325,000 | $ 325,000 | $ 124,000 |
| JOHNSON CITY, TN | 1 | $ 445,000 | $ 445,000 | $ 170,000 |
| KALAMAZOO-PORTAGE, MI | 1 | $ 355,000 | $ 355,000 | $ 0 |
| LAFAYETTE, LA | 1 | $ 295,000 | $ 295,000 | $ 108,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 1 | $ 375,000 | $ 375,000 | $ 130,000 |
| OWENSBORO, KY | 1 | $ 225,000 | $ 225,000 | $ 0 |
| PANAMA CITY, FL | 1 | $ 565,000 | $ 565,000 | $ 0 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 1 | $ 1,525,000 | $ 1,525,000 | $ 1,145,000 |
| RICHMOND, VA | 1 | $ 145,000 | $ 145,000 | $ 26,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 1 | $ 245,000 | $ 245,000 | $ 78,000 |
| SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA | 1 | $ 1,125,000 | $ 1,125,000 | $ 0 |
| SAVANNAH, GA | 1 | $ 295,000 | $ 295,000 | $ 141,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 1 | $ 295,000 | $ 295,000 | $ 160,000 |
| ST. GEORGE, UT | 1 | $ 745,000 | $ 745,000 | $ 0 |
| SUMTER, SC | 1 | $ 255,000 | $ 255,000 | $ 226,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust Company in 2023
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 | 1,783 | $703,405,000 | $394,000 | $37,705,000 | $147,000 | $3,500,000 |
| Other Purpose | 1,287 | $131,365,000 | $102,000 | $1,505,000 | $120,000 | $886,000 |
| Home Improvement | 1,065 | $113,195,000 | $106,000 | $3,005,000 | $139,000 | $1,685,000 |
| Cash-out Refinancing | 618 | $125,260,000 | $202,000 | $1,605,000 | $142,000 | $1,916,000 |
| Refinancing | 121 | $56,185,000 | $464,000 | $7,505,000 | $111,000 | $425,000 |
| Not Applicable | 1 | $75,000 | $75,000 | $75,000 | $37,000 | $37,000 |
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 | 3,230 | $650,170,000 | $201,000 | $2,365,000 | $149,000 | $3,500,000 |
| Black or African American | 511 | $65,325,000 | $127,000 | $1,835,000 | $81,000 | $3,350,000 |
| Not Provided | 489 | $90,185,000 | $184,000 | $1,505,000 | $123,000 | $1,119,000 |
| Hispanic | 322 | $51,490,000 | $159,000 | $1,575,000 | $101,000 | $1,246,000 |
| Asian | 161 | $50,835,000 | $315,000 | $1,495,000 | $179,000 | $1,685,000 |
| Not applicable | 141 | $216,955,000 | $1,538,000 | $37,705,000 | $0 | $0 |
| American Indian or Alaskan Native | 16 | $2,850,000 | $178,000 | $1,125,000 | $137,000 | $888,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $610,000 | $152,000 | $255,000 | $134,000 | $149,000 |
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) | 4,715 | $1,090,745,000 | $231,000 | $37,705,000 | $138,000 | $3,500,000 |
| FHA-insured (Federal Housing Administration) | 136 | $31,240,000 | $229,000 | $485,000 | $81,000 | $289,000 |
| VA-guaranteed (Veterans Administration) | 18 | $6,240,000 | $346,000 | $575,000 | $149,000 | $534,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,260,000 | $210,000 | $295,000 | $61,000 | $85,000 |
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 | 2,766 | $676,080,000 | $244,000 | $37,705,000 | $152,000 | $3,500,000 |
| Application Withdrawn By Applicant | 1,365 | $246,825,000 | $180,000 | $7,505,000 | $119,000 | $1,685,000 |
| Application Denied By Financial Institution | 286 | $44,730,000 | $156,000 | $2,465,000 | $103,000 | $1,631,000 |
| File Closed For Incompleteness | 212 | $32,090,000 | $151,000 | $1,045,000 | $123,000 | $552,000 |
| Loan Purchased By The Institution | 207 | $124,515,000 | $601,000 | $2,095,000 | $39,000 | $71,000 |
| Application Approved But Not Accepted | 39 | $5,245,000 | $134,000 | $545,000 | $120,000 | $382,000 |
| 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 | 4,589 | $1,084,755,000 | $236,000 | $37,705,000 | $138,000 | $3,500,000 |
| Debt-To-Income Ratio | 158 | $17,710,000 | $112,000 | $465,000 | $71,000 | $469,000 |
| Credit History | 52 | $3,780,000 | $72,000 | $265,000 | $119,000 | $997,000 |
| Other | 43 | $18,235,000 | $424,000 | $2,465,000 | $217,000 | $841,000 |
| Collateral | 20 | $2,690,000 | $134,000 | $705,000 | $227,000 | $1,631,000 |
| Employment History | 7 | $1,195,000 | $170,000 | $365,000 | $71,000 | $115,000 |
| Unverifiable Information | 4 | $930,000 | $232,000 | $295,000 | $101,000 | $224,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $190,000 | $95,000 | $185,000 | $53,000 | $53,000 |
| 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 Company's 2023 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 Company'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.