Republic Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Republic Bank & Trust of Louisville, KY reported 6,418 mortgage applications totaling $1.2 billion, up 29% from 2018. The average application was for $193,675, and applicants reported an average income of $117,777. 64% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (3,625), Lexington-Fayette, KY (621) and Tampa-St. Petersburg-Clearwater, FL (397) (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 | 6,418 |
| Total Mortgage Loan Application Amount | $1,243,010,000 |
| Average Mortgage Loan Application Amount | $193,675 |
| Highest Mortgage Loan Application Amount | $8,135,000 |
| Average Applicant Income | $117,777 |
| Highest Applicant Income | $3,433,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 2,534 | $592,420,000 | $233,000 | $4,875,000 | $123,000 | $3,250,000 |
| Cash-out Refinancing | 1,288 | $228,010,000 | $177,000 | $1,785,000 | $117,000 | $2,788,000 |
| Refinancing | 1,034 | $296,140,000 | $286,000 | $8,135,000 | $128,000 | $1,526,000 |
| Other Purpose | 895 | $69,385,000 | $77,000 | $1,305,000 | $111,000 | $3,433,000 |
| Home Improvement | 581 | $40,235,000 | $69,000 | $2,005,000 | $103,000 | $1,065,000 |
| Not Applicable | 86 | $16,820,000 | $195,000 | $695,000 | $23,000 | $67,000 |
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 | 4,672 | $823,290,000 | $176,000 | $3,005,000 | $122,000 | $3,433,000 |
| Black or African American | 509 | $60,705,000 | $119,000 | $875,000 | $71,000 | $2,691,000 |
| Not applicable | 461 | $196,555,000 | $426,000 | $8,135,000 | $0 | $0 |
| Not Provided | 316 | $69,240,000 | $219,000 | $2,635,000 | $137,000 | $1,613,000 |
| Hispanic | 239 | $39,175,000 | $163,000 | $1,085,000 | $82,000 | $975,000 |
| Asian | 144 | $37,120,000 | $257,000 | $1,825,000 | $147,000 | $877,000 |
| American Indian or Alaskan Native | 28 | $3,530,000 | $126,000 | $295,000 | $64,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $490,000 | $245,000 | $355,000 | $82,000 | $135,000 |
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) | 5,953 | $1,151,335,000 | $193,000 | $8,135,000 | $122,000 | $3,433,000 |
| FHA-insured (Federal Housing Administration) | 330 | $59,130,000 | $179,000 | $695,000 | $52,000 | $211,000 |
| VA-guaranteed (Veterans Administration) | 116 | $29,140,000 | $251,000 | $605,000 | $89,000 | $502,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $3,405,000 | $179,000 | $295,000 | $52,000 | $99,000 |
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 | 4,108 | $761,310,000 | $185,000 | $8,135,000 | $125,000 | $3,433,000 |
| Application Withdrawn By Applicant | 1,445 | $332,875,000 | $230,000 | $5,005,000 | $113,000 | $2,788,000 |
| Application Denied By Financial Institution | 531 | $89,215,000 | $168,000 | $2,115,000 | $79,000 | $1,526,000 |
| File Closed For Incompleteness | 187 | $31,525,000 | $168,000 | $1,035,000 | $125,000 | $2,359,000 |
| Loan Purchased By The Institution | 97 | $18,335,000 | $189,000 | $695,000 | $25,000 | $75,000 |
| Application Approved But Not Accepted | 50 | $9,750,000 | $195,000 | $1,535,000 | $103,000 | $272,000 |
| 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 | 5,887 | $1,153,795,000 | $195,000 | $8,135,000 | $120,000 | $3,433,000 |
| Debt-To-Income Ratio | 227 | $33,265,000 | $146,000 | $1,355,000 | $57,000 | $426,000 |
| Credit History | 155 | $16,565,000 | $106,000 | $1,025,000 | $89,000 | $975,000 |
| Other | 71 | $22,915,000 | $322,000 | $2,115,000 | $143,000 | $684,000 |
| Collateral | 58 | $13,700,000 | $236,000 | $885,000 | $87,000 | $326,000 |
| Employment History | 14 | $1,250,000 | $89,000 | $235,000 | $68,000 | $198,000 |
| Unverifiable Information | 3 | $615,000 | $205,000 | $555,000 | $91,000 | $99,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $480,000 | $240,000 | $255,000 | $71,000 | $92,000 |
| Credit Application Incomplete | 1 | $425,000 | $425,000 | $425,000 | $1,526,000 | $1,526,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2019 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.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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