Republic Bank & Trust Company: 2025 mortgage rates, costs & approvals
How Republic Bank & Trust Company priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Republic Bank & Trust Company · LEI X6T32LKEPUT8LQMW6755
In 2025, Republic Bank & Trust Company originated 986 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 15 states — 468th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 16 basis points below the national median. Median conventional loan costs were $3,820, 31% lower than the national median ($5,570).
It denied 4.9% of completed home-purchase applications (all lenders: 8.5%).
How Republic Bank & Trust Company priced home-purchase loans
| Purchase loans, 2025 | Republic Bank & Trust Company | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | −0.03 pts | +0.13 pts |
| Total loan costs · conventional | $3,820 | $5,570 |
| Total loan costs · FHA | $9,190 | $11,310 |
| Total loan costs · VA | $3,700 | $6,490 |
| Origination charges (all types) | $1,210 | $1,860 |
| Borrowers paying discount points | 26.2% | 51.3% |
| Points paid, when paid (% of loan) | 0.25% | 0.87% |
| Borrowers receiving lender credits | 54.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Republic Bank & Trust Company denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Republic Bank & Trust Company lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Kentucky | 564 | 626 | 4.8% | 6.500% | $3,750 |
| Florida | 123 | 133 | 1.0% | 6.500% | $4,960 |
| Indiana | 110 | 114 | 2.1% | 6.500% | $2,900 |
| Ohio | 94 | 105 | 10.1% | 6.500% | $3,910 |
| Tennessee | 73 | 82 | 7.5% | 6.500% | $4,430 |
| Virginia | 5 | 6 | — | — | — |
| South Carolina | 5 | 5 | — | — | — |
| North Carolina | 3 | 4 | — | — | — |
| Georgia | 2 | 2 | — | — | — |
| Missouri | 2 | 2 | — | — | — |
| California | 1 | 2 | — | — | — |
| Colorado | 1 | 1 | — | — | — |
| Louisiana | 1 | 1 | — | — | — |
| Michigan | 1 | 1 | — | — | — |
| Pennsylvania | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Republic Bank & Trust Company's page for that state.
Counties where Republic Bank & Trust Company is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wolfe County, KY | 14 | 1 | 4.3% |
| Fayette County, KY | 8 | 112 | 3.1% |
| Shelby County, KY | 8 | 19 | 2.5% |
| Floyd County, IN | 6 | 36 | 2.5% |
| Clark County, IN | 6 | 60 | 2.4% |
| Jefferson County, KY | 7 | 255 | 2.3% |
| Scott County, KY | 13 | 22 | 1.8% |
| Oldham County, KY | 15 | 21 | 1.7% |
| Jessamine County, KY | 20 | 12 | 1.4% |
| Franklin County, KY | 18 | 10 | 1.4% |
| Bullitt County, KY | 21 | 21 | 1.3% |
| Woodford County, KY | 24 | 4 | 1.1% |
| Harrison County, IN | 24 | 6 | 1.1% |
Check Republic Bank & Trust Company yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI X6T32LKEPUT8LQMW6755.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Republic Bank & Trust Company with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology