Republic Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Republic Bank & Trust of Louisville, KY reported 4,875 mortgage applications totaling $1.1 billion, down 15% from 2022. The average application was for $231,689, and applicants reported an average income of $136,574. 57% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (2,249), Tampa-St. Petersburg-Clearwater, FL (773) and Nashville-Davidson--Murfreesboro--Franklin, TN (447) (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 | 4,875 |
| Total Mortgage Loan Application Amount | $1,129,485,000 |
| Average Mortgage Loan Application Amount | $231,689 |
| Highest Mortgage Loan Application Amount | $37,705,000 |
| Average Applicant Income | $136,574 |
| Highest Applicant Income | $3,500,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,249 | $ 444,355,000 | $ 197,578 | $ 122,216 |
| Tampa-St. Petersburg-Clearwater, FL | 773 | $ 133,265,000 | $ 172,399 | $ 136,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 447 | $ 89,005,000 | $ 199,116 | $ 146,000 |
| Cincinnati, OH-KY-IN | 443 | $ 114,365,000 | $ 258,160 | $ 171,957 |
| Lexington-Fayette, KY | 426 | $ 97,270,000 | $ 228,333 | $ 128,000 |
| Outside any metro area | 160 | $ 35,300,000 | $ 220,625 | $ 143,337 |
| North Port-Sarasota-Bradenton, FL | 27 | $ 9,605,000 | $ 355,740 | $ 251,000 |
| Elizabethtown-Fort Knox, KY | 24 | $ 38,480,000 | $ 1,603,333 | $ 83,000 |
| Oakland-Hayward-Berkeley, CA | 24 | $ 24,230,000 | $ 1,009,583 | $ 127,000 |
| Chicago-Naperville, IL | 16 | $ 7,370,000 | $ 460,625 | $ 85,000 |
| Columbus, OH | 16 | $ 2,710,000 | $ 169,375 | $ 156,000 |
| Los Angeles-Long Beach-Glendale, CA | 14 | $ 13,190,000 | $ 942,142 | $ 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 | $ 201,363 | $ 119,000 |
| Orlando-Kissimmee-Sanford, FL | 10 | $ 2,820,000 | $ 282,000 | $ 105,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 9 | $ 8,695,000 | $ 966,111 | $ 0 |
| Clarksville, TN-KY | 8 | $ 640,000 | $ 80,000 | $ 86,000 |
| Cleveland-Elyria, OH | 8 | $ 2,130,000 | $ 266,250 | $ 149,000 |
| Indianapolis-Carmel-Anderson, IN | 8 | $ 1,870,000 | $ 233,750 | $ 316,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 2,615,000 | $ 373,571 | $ 131,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 2,125,000 | $ 303,571 | $ 235,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 6,830,000 | $ 1,138,333 | $ 0 |
| Jacksonville, FL | 6 | $ 1,900,000 | $ 316,666 | $ 79,000 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 5,250,000 | $ 875,000 | $ 892,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 6,820,000 | $ 1,136,666 | $ 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 | $ 722,500 | $ 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 | $ 427,500 | $ 214,000 |
| Bowling Green, KY | 3 | $ 925,000 | $ 308,333 | $ 247,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 795,000 | $ 265,000 | $ 79,000 |
| Chattanooga, TN-GA | 3 | $ 1,015,000 | $ 338,333 | $ 171,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 785,000 | $ 261,666 | $ 98,000 |
| Evansville, IN-KY | 3 | $ 585,000 | $ 195,000 | $ 104,666 |
| Knoxville, TN | 3 | $ 2,545,000 | $ 848,333 | $ 877,000 |
| Raleigh, NC | 3 | $ 1,825,000 | $ 608,333 | $ 247,000 |
| San Rafael, CA | 3 | $ 2,875,000 | $ 958,333 | $ 0 |
| Santa Cruz-Watsonville, CA | 3 | $ 2,795,000 | $ 931,666 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 2,585,000 | $ 861,666 | $ 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 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'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'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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