Republic Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Republic Bank & Trust of Louisville, KY reported 7,994 mortgage applications totaling $1.8 billion, down 12% from 2020. The average application was for $226,643, and applicants reported an average income of $120,864. 61% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (4,188), Lexington-Fayette, KY (686) and Tampa-St. Petersburg-Clearwater, FL (519) (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 | 7,994 |
| Total Mortgage Loan Application Amount | $1,811,790,000 |
| Average Mortgage Loan Application Amount | $226,643 |
| Highest Mortgage Loan Application Amount | $6,005,000 |
| Average Applicant Income | $120,864 |
| Highest Applicant Income | $4,357,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021
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 | 2,374 | $629,550,000 | $265,000 | $6,005,000 | $115,000 | $4,357,000 |
| Refinancing | 2,270 | $590,900,000 | $260,000 | $5,745,000 | $127,000 | $1,349,000 |
| Cash-out Refinancing | 2,034 | $451,540,000 | $221,000 | $2,045,000 | $112,000 | $2,331,000 |
| Other Purpose | 806 | $97,900,000 | $121,000 | $1,845,000 | $135,000 | $3,224,000 |
| Home Improvement | 500 | $41,270,000 | $82,000 | $925,000 | $136,000 | $2,359,000 |
| Not Applicable | 10 | $630,000 | $63,000 | $125,000 | $27,000 | $44,000 |
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 | 5,558 | $1,177,550,000 | $211,000 | $2,255,000 | $127,000 | $4,357,000 |
| Black or African American | 775 | $126,425,000 | $163,000 | $1,125,000 | $74,000 | $1,947,000 |
| Not Provided | 601 | $142,745,000 | $237,000 | $1,445,000 | $132,000 | $2,537,000 |
| Hispanic | 368 | $73,780,000 | $200,000 | $1,455,000 | $86,000 | $580,000 |
| Not applicable | 356 | $204,970,000 | $575,000 | $6,005,000 | $0 | $0 |
| Asian | 204 | $56,460,000 | $276,000 | $2,555,000 | $150,000 | $1,164,000 |
| American Indian or Alaskan Native | 37 | $5,725,000 | $154,000 | $545,000 | $87,000 | $230,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $995,000 | $199,000 | $335,000 | $86,000 | $180,000 |
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) | 7,635 | $1,741,725,000 | $228,000 | $6,005,000 | $124,000 | $4,357,000 |
| FHA-insured (Federal Housing Administration) | 247 | $44,455,000 | $179,000 | $515,000 | $57,000 | $280,000 |
| VA-guaranteed (Veterans Administration) | 89 | $21,565,000 | $242,000 | $625,000 | $81,000 | $364,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $4,045,000 | $175,000 | $285,000 | $53,000 | $90,000 |
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 | 4,887 | $1,132,015,000 | $231,000 | $6,005,000 | $125,000 | $4,357,000 |
| Application Withdrawn By Applicant | 2,055 | $475,285,000 | $231,000 | $5,745,000 | $120,000 | $3,224,000 |
| Application Denied By Financial Institution | 505 | $99,055,000 | $196,000 | $3,485,000 | $83,000 | $1,947,000 |
| File Closed For Incompleteness | 410 | $82,370,000 | $200,000 | $2,115,000 | $131,000 | $1,532,000 |
| Loan Purchased By The Institution | 70 | $9,740,000 | $139,000 | $255,000 | $33,000 | $57,000 |
| Application Approved But Not Accepted | 67 | $13,325,000 | $198,000 | $705,000 | $124,000 | $505,000 |
| 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 | 7,489 | $1,712,735,000 | $228,000 | $6,005,000 | $123,000 | $4,357,000 |
| Debt-To-Income Ratio | 246 | $43,740,000 | $177,000 | $2,045,000 | $53,000 | $264,000 |
| Credit History | 107 | $14,655,000 | $136,000 | $1,285,000 | $96,000 | $1,220,000 |
| Other | 83 | $24,055,000 | $289,000 | $1,405,000 | $203,000 | $1,947,000 |
| Collateral | 41 | $10,885,000 | $265,000 | $3,485,000 | $149,000 | $1,441,000 |
| Employment History | 17 | $2,685,000 | $157,000 | $345,000 | $74,000 | $253,000 |
| Unverifiable Information | 6 | $2,280,000 | $380,000 | $1,505,000 | $146,000 | $494,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $535,000 | $178,000 | $235,000 | $55,000 | $61,000 |
| Credit Application Incomplete | 2 | $220,000 | $110,000 | $195,000 | $92,000 | $134,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2021 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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