Republic Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Republic Bank & Trust of Louisville, KY reported 9,043 mortgage applications totaling $2.0 billion, up 41% from 2019. The average application was for $225,237, and applicants reported an average income of $128,422. 62% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (4,927), Lexington-Fayette, KY (906) and Tampa-St. Petersburg-Clearwater, FL (501) (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 | 9,043 |
| Total Mortgage Loan Application Amount | $2,036,825,000 |
| Average Mortgage Loan Application Amount | $225,237 |
| Highest Mortgage Loan Application Amount | $7,005,000 |
| Average Applicant Income | $128,422 |
| Highest Applicant Income | $5,251,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 3,449 | $901,875,000 | $261,000 | $6,005,000 | $135,000 | $4,213,000 |
| Home Purchase | 2,456 | $576,510,000 | $234,000 | $7,005,000 | $116,000 | $3,152,000 |
| Cash-out Refinancing | 1,950 | $425,930,000 | $218,000 | $2,055,000 | $126,000 | $974,000 |
| Other Purpose | 776 | $90,940,000 | $117,000 | $2,005,000 | $144,000 | $5,251,000 |
| Home Improvement | 383 | $39,095,000 | $102,000 | $5,005,000 | $137,000 | $1,706,000 |
| Not Applicable | 29 | $2,475,000 | $85,000 | $275,000 | $31,000 | $54,000 |
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 | 6,551 | $1,422,825,000 | $217,000 | $3,005,000 | $134,000 | $5,251,000 |
| Black or African American | 717 | $111,125,000 | $154,000 | $2,165,000 | $79,000 | $1,033,000 |
| Not Provided | 609 | $141,355,000 | $232,000 | $1,805,000 | $144,000 | $4,213,000 |
| Not applicable | 415 | $201,695,000 | $486,000 | $7,005,000 | $0 | $0 |
| Hispanic | 389 | $70,615,000 | $181,000 | $765,000 | $93,000 | $1,098,000 |
| Asian | 216 | $54,670,000 | $253,000 | $1,795,000 | $161,000 | $1,800,000 |
| American Indian or Alaskan Native | 32 | $5,080,000 | $158,000 | $415,000 | $74,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $860,000 | $143,000 | $245,000 | $87,000 | $198,000 |
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) | 8,593 | $1,950,215,000 | $226,000 | $7,005,000 | $132,000 | $5,251,000 |
| FHA-insured (Federal Housing Administration) | 310 | $54,140,000 | $174,000 | $575,000 | $62,000 | $395,000 |
| VA-guaranteed (Veterans Administration) | 112 | $27,440,000 | $245,000 | $675,000 | $88,000 | $221,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $5,030,000 | $179,000 | $285,000 | $54,000 | $81,000 |
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 | 5,627 | $1,250,265,000 | $222,000 | $4,635,000 | $134,000 | $5,251,000 |
| Application Withdrawn By Applicant | 2,355 | $573,105,000 | $243,000 | $7,005,000 | $128,000 | $2,815,000 |
| Application Denied By Financial Institution | 601 | $119,955,000 | $199,000 | $1,805,000 | $83,000 | $4,213,000 |
| File Closed For Incompleteness | 270 | $60,690,000 | $224,000 | $1,645,000 | $143,000 | $1,156,000 |
| Application Approved But Not Accepted | 107 | $24,205,000 | $226,000 | $1,335,000 | $133,000 | $640,000 |
| Loan Purchased By The Institution | 83 | $8,605,000 | $103,000 | $275,000 | $33,000 | $64,000 |
| 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 | 8,442 | $1,916,870,000 | $227,000 | $7,005,000 | $131,000 | $5,251,000 |
| Debt-To-Income Ratio | 294 | $60,180,000 | $204,000 | $1,045,000 | $58,000 | $389,000 |
| Credit History | 112 | $13,310,000 | $118,000 | $585,000 | $82,000 | $335,000 |
| Other | 88 | $24,650,000 | $280,000 | $1,505,000 | $131,000 | $458,000 |
| Collateral | 78 | $16,890,000 | $216,000 | $1,805,000 | $123,000 | $529,000 |
| Employment History | 14 | $1,890,000 | $135,000 | $265,000 | $58,000 | $127,000 |
| Unverifiable Information | 9 | $1,995,000 | $221,000 | $505,000 | $539,000 | $4,213,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,040,000 | $173,000 | $265,000 | $54,000 | $81,000 |
| 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 2020 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About