Republic Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Republic Bank & Trust of Louisville, KY reported 3,866 mortgage applications totaling $763.9 million, down 21% from 2023. The average application was for $197,584, and applicants reported an average income of $148,846. 57% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,715), Cincinnati, OH-KY-IN (469) and Nashville-Davidson--Murfreesboro--Franklin, TN (387) (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 | 3,866 |
| Total Mortgage Loan Application Amount | $763,860,000 |
| Average Mortgage Loan Application Amount | $197,584 |
| Highest Mortgage Loan Application Amount | $12,305,000 |
| Average Applicant Income | $148,846 |
| Highest Applicant Income | $7,589,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,715 | $ 282,055,000 | $ 164,463 | $ 132,151 |
| Cincinnati, OH-KY-IN | 469 | $ 74,535,000 | $ 158,923 | $ 147,639 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 387 | $ 97,755,000 | $ 252,596 | $ 199,000 |
| Lexington-Fayette, KY | 378 | $ 81,710,000 | $ 216,164 | $ 145,000 |
| Tampa, FL | 310 | $ 65,030,000 | $ 209,774 | $ 130,000 |
| St. Petersburg-Clearwater-Largo, FL | 222 | $ 56,850,000 | $ 256,081 | $ 187,000 |
| Outside any metro area | 155 | $ 35,065,000 | $ 226,225 | $ 145,419 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 3,160,000 | $ 263,333 | $ 237,000 |
| Elizabethtown-Fort Knox, KY | 11 | $ 865,000 | $ 78,636 | $ 88,000 |
| North Port-Sarasota-Bradenton, FL | 11 | $ 2,235,000 | $ 203,181 | $ 114,000 |
| Charlotte-Concord-Gastonia, NC-SC | 10 | $ 3,430,000 | $ 343,000 | $ 123,600 |
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 2,915,000 | $ 323,888 | $ 139,000 |
| Columbus, OH | 8 | $ 3,120,000 | $ 390,000 | $ 174,000 |
| Raleigh, NC | 6 | $ 3,410,000 | $ 568,333 | $ 194,000 |
| Charleston-North Charleston, SC | 5 | $ 4,025,000 | $ 805,000 | $ 203,000 |
| Chicago-Naperville, IL | 5 | $ 1,525,000 | $ 305,000 | $ 238,000 |
| Cleveland, OH | 5 | $ 765,000 | $ 153,000 | $ 188,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 1,615,000 | $ 323,000 | $ 139,000 |
| Lakeland-Winter Haven, FL | 5 | $ 345,000 | $ 69,000 | $ 75,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 2,400,000 | $ 600,000 | $ 371,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 1,190,000 | $ 297,500 | $ 115,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,860,000 | $ 465,000 | $ 166,000 |
| Owensboro, KY | 4 | $ 1,110,000 | $ 277,500 | $ 149,000 |
| Philadelphia, PA | 4 | $ 560,000 | $ 140,000 | $ 43,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 2,170,000 | $ 542,500 | $ 203,000 |
| Arlington-Alexandria-Reston, VA-WV | 3 | $ 665,000 | $ 221,666 | $ 131,000 |
| Bowling Green, KY | 3 | $ 85,000 | $ 28,333 | $ 77,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 775,000 | $ 258,333 | $ 152,000 |
| Clarksville, TN-KY | 3 | $ 285,000 | $ 95,000 | $ 317,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 575,000 | $ 191,666 | $ 96,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 365,000 | $ 121,666 | $ 40,000 |
| Ocala, FL | 3 | $ 485,000 | $ 161,666 | $ 87,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 325,000 | $ 108,333 | $ 56,000 |
| Punta Gorda, FL | 3 | $ 1,745,000 | $ 581,666 | $ 356,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 1,515,000 | $ 505,000 | $ 376,000 |
| Wilmington, NC | 3 | $ 675,000 | $ 225,000 | $ 124,000 |
| Akron, OH | 2 | $ 310,000 | $ 155,000 | $ 72,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 450,000 | $ 225,000 | $ 225,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 520,000 | $ 260,000 | $ 326,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 520,000 | $ 260,000 | $ 98,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 480,000 | $ 240,000 | $ 105,000 |
| Hinesville, GA | 2 | $ 150,000 | $ 75,000 | $ 139,000 |
| Jacksonville, FL | 2 | $ 630,000 | $ 315,000 | $ 134,000 |
| Jacksonville, NC | 2 | $ 350,000 | $ 175,000 | $ 38,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 420,000 | $ 210,000 | $ 114,000 |
| Knoxville, TN | 2 | $ 220,000 | $ 110,000 | $ 106,000 |
| Lakewood-New Brunswick, NJ | 2 | $ 1,530,000 | $ 765,000 | $ 136,000 |
| Lancaster, PA | 2 | $ 510,000 | $ 255,000 | $ 110,000 |
| Marietta, GA | 2 | $ 500,000 | $ 250,000 | $ 82,000 |
| Memphis, TN-MS-AR | 2 | $ 270,000 | $ 135,000 | $ 41,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 1,020,000 | $ 510,000 | $ 163,000 |
| Muncie, IN | 2 | $ 230,000 | $ 115,000 | $ 134,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 360,000 | $ 180,000 | $ 59,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 890,000 | $ 445,000 | $ 451,000 |
| Panama City, FL | 2 | $ 540,000 | $ 270,000 | $ 291,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 660,000 | $ 330,000 | $ 181,000 |
| Richmond, VA | 2 | $ 1,550,000 | $ 775,000 | $ 265,000 |
| San Diego-Carlsbad, CA | 2 | $ 4,000,000 | $ 2,000,000 | $ 2,960,000 |
| Tallahassee, FL | 2 | $ 460,000 | $ 230,000 | $ 437,000 |
| Wildwood-The Villages, FL | 2 | $ 350,000 | $ 175,000 | $ 79,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 165,000 | $ 165,000 | $ 32,000 |
| Chattanooga, TN-GA | 1 | $ 285,000 | $ 285,000 | $ 59,000 |
| Columbia, SC | 1 | $ 445,000 | $ 445,000 | $ 172,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Erie, PA | 1 | $ 95,000 | $ 95,000 | $ 210,000 |
| Evansville, IN-KY | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Fayetteville, NC | 1 | $ 235,000 | $ 235,000 | $ 135,000 |
| Gainesville, FL | 1 | $ 185,000 | $ 185,000 | $ 78,000 |
| Greensboro-High Point, NC | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Greenville, NC | 1 | $ 205,000 | $ 205,000 | $ 41,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 205,000 | $ 205,000 | $ 92,000 |
| Huntsville, AL | 1 | $ 215,000 | $ 215,000 | $ 234,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 265,000 | $ 265,000 | $ 135,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 815,000 | $ 815,000 | $ 305,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 105,000 | $ 105,000 | $ 329,000 |
| Muskegon, MI | 1 | $ 265,000 | $ 265,000 | $ 86,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,275,000 | $ 1,275,000 | $ 748,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 555,000 | $ 555,000 | $ 129,000 |
| Newark, NJ-PA | 1 | $ 325,000 | $ 325,000 | $ 66,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 335,000 | $ 335,000 | $ 303,000 |
| Pittsburgh, PA | 1 | $ 395,000 | $ 395,000 | $ 172,000 |
| Port St. Lucie, FL | 1 | $ 605,000 | $ 605,000 | $ 220,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 205,000 | $ 205,000 | $ 94,000 |
| Rockford, IL | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| Springfield, MO | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| St. Louis, MO-IL | 1 | $ 385,000 | $ 385,000 | $ 106,000 |
| Staunton-Waynesboro, VA | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Sumter, SC | 1 | $ 295,000 | $ 295,000 | $ 147,000 |
| Toledo, OH | 1 | $ 265,000 | $ 265,000 | $ 78,000 |
| Valdosta, GA | 1 | $ 135,000 | $ 135,000 | $ 141,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Warner Robins, GA | 1 | $ 125,000 | $ 125,000 | $ 27,000 |
| Winston-Salem, NC | 1 | $ 205,000 | $ 205,000 | $ 131,000 |
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2024
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 | 1,214 | $379,970,000 | $312,000 | $12,305,000 | $146,000 | $3,537,000 |
| Home Improvement | 986 | $105,480,000 | $106,000 | $1,275,000 | $137,000 | $1,998,000 |
| Other Purpose | 929 | $109,705,000 | $118,000 | $2,505,000 | $163,000 | $7,589,000 |
| Cash-out Refinancing | 639 | $134,745,000 | $210,000 | $2,045,000 | $155,000 | $5,000,000 |
| Refinancing | 97 | $33,945,000 | $349,000 | $3,325,000 | $130,000 | $685,000 |
| Not Applicable | 1 | $15,000 | $15,000 | $15,000 | $33,000 | $33,000 |
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 | 2,712 | $518,040,000 | $191,000 | $6,025,000 | $160,000 | $7,589,000 |
| Not Provided | 417 | $74,415,000 | $178,000 | $1,055,000 | $132,000 | $1,720,000 |
| Black or African American | 374 | $50,970,000 | $136,000 | $765,000 | $94,000 | $1,055,000 |
| Hispanic | 196 | $35,750,000 | $182,000 | $2,005,000 | $115,000 | $2,360,000 |
| Asian | 113 | $31,515,000 | $278,000 | $3,085,000 | $185,000 | $1,439,000 |
| Not applicable | 43 | $51,875,000 | $1,206,000 | $12,305,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $745,000 | $106,000 | $205,000 | $135,000 | $241,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $550,000 | $137,000 | $285,000 | $93,000 | $170,000 |
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) | 3,548 | $688,820,000 | $194,000 | $12,305,000 | $155,000 | $7,589,000 |
| FHA-insured (Federal Housing Administration) | 278 | $62,130,000 | $223,000 | $545,000 | $79,000 | $426,000 |
| VA-guaranteed (Veterans Administration) | 40 | $12,910,000 | $322,000 | $585,000 | $121,000 | $544,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,192 | $468,960,000 | $213,000 | $12,305,000 | $163,000 | $5,153,000 |
| Application Withdrawn By Applicant | 745 | $151,265,000 | $203,000 | $6,055,000 | $139,000 | $5,153,000 |
| Application Denied By Financial Institution | 506 | $63,620,000 | $125,000 | $2,445,000 | $121,000 | $7,589,000 |
| File Closed For Incompleteness | 328 | $61,760,000 | $188,000 | $1,455,000 | $135,000 | $1,055,000 |
| Application Approved But Not Accepted | 51 | $8,055,000 | $157,000 | $1,065,000 | $154,000 | $1,863,000 |
| Loan Purchased By The Institution | 44 | $10,200,000 | $231,000 | $385,000 | $46,000 | $73,000 |
| 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 | 3,360 | $700,240,000 | $208,000 | $12,305,000 | $153,000 | $5,153,000 |
| Debt-To-Income Ratio | 306 | $36,440,000 | $119,000 | $505,000 | $70,000 | $551,000 |
| Credit History | 132 | $12,890,000 | $97,000 | $505,000 | $206,000 | $7,589,000 |
| Collateral | 32 | $5,280,000 | $165,000 | $1,995,000 | $259,000 | $5,000,000 |
| Other | 24 | $7,340,000 | $305,000 | $2,445,000 | $146,000 | $522,000 |
| Employment History | 8 | $1,050,000 | $131,000 | $345,000 | $52,000 | $93,000 |
| Unverifiable Information | 2 | $220,000 | $110,000 | $155,000 | $103,000 | $129,000 |
| Credit Application Incomplete | 1 | $245,000 | $245,000 | $245,000 | $134,000 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $28,000 | $28,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2024 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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