Republic Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Republic Bank & Trust of Louisville, KY reported 3,866 mortgage applications totaling $763.9 million, down 21% from 2023. The average application was for $197,584, and applicants reported an average income of $148,846. 57% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,715), Cincinnati, OH-KY-IN (469) and Nashville-Davidson--Murfreesboro--Franklin, TN (387) (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 | 3,866 |
| Total Mortgage Loan Application Amount | $763,860,000 |
| Average Mortgage Loan Application Amount | $197,584 |
| Highest Mortgage Loan Application Amount | $12,305,000 |
| Average Applicant Income | $148,846 |
| Highest Applicant Income | $7,589,000 |
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(HMDA) records Republic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024
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 | 1,214 | $379,970,000 | $312,000 | $12,305,000 | $146,000 | $3,537,000 |
| Home Improvement | 986 | $105,480,000 | $106,000 | $1,275,000 | $137,000 | $1,998,000 |
| Other Purpose | 929 | $109,705,000 | $118,000 | $2,505,000 | $163,000 | $7,589,000 |
| Cash-out Refinancing | 639 | $134,745,000 | $210,000 | $2,045,000 | $155,000 | $5,000,000 |
| Refinancing | 97 | $33,945,000 | $349,000 | $3,325,000 | $130,000 | $685,000 |
| Not Applicable | 1 | $15,000 | $15,000 | $15,000 | $33,000 | $33,000 |
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 | 2,712 | $518,040,000 | $191,000 | $6,025,000 | $160,000 | $7,589,000 |
| Not Provided | 417 | $74,415,000 | $178,000 | $1,055,000 | $132,000 | $1,720,000 |
| Black or African American | 374 | $50,970,000 | $136,000 | $765,000 | $94,000 | $1,055,000 |
| Hispanic | 196 | $35,750,000 | $182,000 | $2,005,000 | $115,000 | $2,360,000 |
| Asian | 113 | $31,515,000 | $278,000 | $3,085,000 | $185,000 | $1,439,000 |
| Not applicable | 43 | $51,875,000 | $1,206,000 | $12,305,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $745,000 | $106,000 | $205,000 | $135,000 | $241,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $550,000 | $137,000 | $285,000 | $93,000 | $170,000 |
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) | 3,548 | $688,820,000 | $194,000 | $12,305,000 | $155,000 | $7,589,000 |
| FHA-insured (Federal Housing Administration) | 278 | $62,130,000 | $223,000 | $545,000 | $79,000 | $426,000 |
| VA-guaranteed (Veterans Administration) | 40 | $12,910,000 | $322,000 | $585,000 | $121,000 | $544,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,192 | $468,960,000 | $213,000 | $12,305,000 | $163,000 | $5,153,000 |
| Application Withdrawn By Applicant | 745 | $151,265,000 | $203,000 | $6,055,000 | $139,000 | $5,153,000 |
| Application Denied By Financial Institution | 506 | $63,620,000 | $125,000 | $2,445,000 | $121,000 | $7,589,000 |
| File Closed For Incompleteness | 328 | $61,760,000 | $188,000 | $1,455,000 | $135,000 | $1,055,000 |
| Application Approved But Not Accepted | 51 | $8,055,000 | $157,000 | $1,065,000 | $154,000 | $1,863,000 |
| Loan Purchased By The Institution | 44 | $10,200,000 | $231,000 | $385,000 | $46,000 | $73,000 |
| 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 | 3,360 | $700,240,000 | $208,000 | $12,305,000 | $153,000 | $5,153,000 |
| Debt-To-Income Ratio | 306 | $36,440,000 | $119,000 | $505,000 | $70,000 | $551,000 |
| Credit History | 132 | $12,890,000 | $97,000 | $505,000 | $206,000 | $7,589,000 |
| Collateral | 32 | $5,280,000 | $165,000 | $1,995,000 | $259,000 | $5,000,000 |
| Other | 24 | $7,340,000 | $305,000 | $2,445,000 | $146,000 | $522,000 |
| Employment History | 8 | $1,050,000 | $131,000 | $345,000 | $52,000 | $93,000 |
| Unverifiable Information | 2 | $220,000 | $110,000 | $155,000 | $103,000 | $129,000 |
| Credit Application Incomplete | 1 | $245,000 | $245,000 | $245,000 | $134,000 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $28,000 | $28,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Republic Bank & Trust's 2024 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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