Republic Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Republic Bank & Trust of Louisville, KY reported 2,957 mortgage applications totaling $571.8 million, down 17% from 2016. The average application was for $193,357, and applicants reported an average income of $92,953. 72% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,863), Lexington-Fayette, KY (351) and Nashville-Davidson--Murfreesboro--Franklin, TN (184) (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 | 2,957 |
| Total Mortgage Loan Application Amount | $571,759,000 |
| Average Mortgage Loan Application Amount | $193,357 |
| Highest Mortgage Loan Application Amount | $7,810,000 |
| Average Applicant Income | $92,953 |
| Highest Applicant Income | $3,677,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 1,739 | $366,616,000 | $210,000 | $7,810,000 | $93,000 | $1,683,000 |
| Refinancing | 925 | $170,865,000 | $184,000 | $7,000,000 | $90,000 | $3,677,000 |
| Home Improvement | 293 | $34,278,000 | $116,000 | $1,300,000 | $102,000 | $1,123,000 |
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 | 1,988 | $373,097,000 | $187,000 | $2,840,000 | $116,000 | $3,677,000 |
| Not applicable | 488 | $133,896,000 | $274,000 | $7,810,000 | $0 | $0 |
| Black or African American | 205 | $23,701,000 | $115,000 | $1,000,000 | $65,000 | $1,123,000 |
| Not Provided | 167 | $20,180,000 | $120,000 | $754,000 | $90,000 | $719,000 |
| Hispanic | 53 | $6,574,000 | $124,000 | $420,000 | $112,000 | $1,162,000 |
| Asian | 46 | $11,756,000 | $255,000 | $1,020,000 | $159,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,439,000 | $239,000 | $383,000 | $118,000 | $256,000 |
| American Indian or Alaskan Native | 4 | $1,116,000 | $279,000 | $675,000 | $194,000 | $465,000 |
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) | 2,812 | $551,131,000 | $195,000 | $7,810,000 | $95,000 | $3,677,000 |
| FHA-insured (Federal Housing Administration) | 117 | $16,394,000 | $140,000 | $297,000 | $54,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,203,000 | $168,000 | $281,000 | $64,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,031,000 | $114,000 | $154,000 | $37,000 | $42,000 |
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 | 2,118 | $403,299,000 | $190,000 | $7,810,000 | $94,000 | $3,677,000 |
| Application Withdrawn By Applicant | 499 | $107,148,000 | $214,000 | $7,000,000 | $97,000 | $1,167,000 |
| Application Denied By Financial Institution | 228 | $38,635,000 | $169,000 | $1,270,000 | $72,000 | $1,500,000 |
| File Closed For Incompleteness | 67 | $11,944,000 | $178,000 | $1,020,000 | $112,000 | $600,000 |
| Application Approved But Not Accepted | 24 | $3,325,000 | $138,000 | $334,000 | $96,000 | $411,000 |
| Loan Purchased By The Institution | 21 | $7,408,000 | $352,000 | $1,409,000 | $24,000 | $49,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 78 | $15,353,000 | $196,000 | $970,000 | $61,000 | $267,000 |
| Credit History | 77 | $9,904,000 | $128,000 | $1,270,000 | $78,000 | $460,000 |
| Collateral | 39 | $5,169,000 | $132,000 | $639,000 | $85,000 | $1,500,000 |
| Other | 16 | $3,430,000 | $214,000 | $1,200,000 | $84,000 | $1,141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $4,274,000 | $284,000 | $990,000 | $42,000 | $495,000 |
| Employment History | 2 | $364,000 | $182,000 | $303,000 | $106,000 | $160,000 |
| Unverifiable Information | 1 | $141,000 | $141,000 | $141,000 | $71,000 | $71,000 |
| 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 2017 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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