Republic Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Republic Bank & Trust of Louisville, KY reported 3,566 mortgage applications totaling $696.0 million, up 3% from 2015. The average application was for $195,167, and applicants reported an average income of $91,931. 64% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (2,162), Lexington-Fayette, KY (368) and Owensboro, KY (179) (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 | 3,566 |
| Total Mortgage Loan Application Amount | $695,968,000 |
| Average Mortgage Loan Application Amount | $195,167 |
| Highest Mortgage Loan Application Amount | $3,800,000 |
| Average Applicant Income | $91,931 |
| Highest Applicant Income | $1,749,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Republic Bank & Trust in 2016
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 | 1,741 | $373,795,000 | $214,000 | $2,080,000 | $89,000 | $1,749,000 |
| Refinancing | 1,448 | $278,703,000 | $192,000 | $3,800,000 | $97,000 | $1,698,000 |
| Home Improvement | 377 | $43,470,000 | $115,000 | $3,500,000 | $86,000 | $798,000 |
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 | 2,561 | $451,957,000 | $176,000 | $2,760,000 | $108,000 | $1,749,000 |
| Not applicable | 477 | $163,309,000 | $342,000 | $3,800,000 | $2,000 | $120,000 |
| Black or African American | 186 | $20,947,000 | $112,000 | $1,283,000 | $73,000 | $790,000 |
| Not Provided | 145 | $20,054,000 | $138,000 | $592,000 | $106,000 | $475,000 |
| Asian | 96 | $23,740,000 | $247,000 | $1,680,000 | $136,000 | $795,000 |
| Hispanic | 87 | $13,810,000 | $158,000 | $556,000 | $83,000 | $348,000 |
| Native Hawaiin or Other Pacific Islander | 9 | $1,510,000 | $167,000 | $385,000 | $93,000 | $316,000 |
| American Indian or Alaskan Native | 5 | $641,000 | $128,000 | $268,000 | $65,000 | $150,000 |
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) | 3,413 | $676,438,000 | $198,000 | $3,800,000 | $94,000 | $1,749,000 |
| FHA-insured (Federal Housing Administration) | 132 | $16,361,000 | $123,000 | $270,000 | $51,000 | $143,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,115,000 | $176,000 | $291,000 | $85,000 | $165,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,054,000 | $117,000 | $187,000 | $45,000 | $84,000 |
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 | 2,269 | $412,073,000 | $181,000 | $3,500,000 | $95,000 | $1,749,000 |
| Application Withdrawn By Applicant | 583 | $119,303,000 | $204,000 | $3,800,000 | $98,000 | $1,698,000 |
| Application Denied By Financial Institution | 456 | $79,592,000 | $174,000 | $2,760,000 | $84,000 | $790,000 |
| Loan Purchased By The Institution | 114 | $58,452,000 | $512,000 | $1,860,000 | $14,000 | $263,000 |
| File Closed For Incompleteness | 99 | $17,830,000 | $180,000 | $921,000 | $100,000 | $444,000 |
| Application Approved But Not Accepted | 45 | $8,718,000 | $193,000 | $1,680,000 | $102,000 | $451,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 199 | $21,850,000 | $109,000 | $1,620,000 | $77,000 | $467,000 |
| Debt-To-Income Ratio | 141 | $33,546,000 | $237,000 | $2,760,000 | $71,000 | $587,000 |
| Collateral | 91 | $15,872,000 | $174,000 | $985,000 | $105,000 | $656,000 |
| Other | 12 | $3,485,000 | $290,000 | $1,139,000 | $146,000 | $510,000 |
| Employment History | 7 | $1,050,000 | $150,000 | $391,000 | $83,000 | $257,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,914,000 | $478,000 | $1,283,000 | $205,000 | $790,000 |
| Unverifiable Information | 2 | $1,875,000 | $937,000 | $1,500,000 | $100,000 | $200,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2016 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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with aggregated HMDA statistics today.
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