# Republic Bank & Trust Company

> **Canonical URL:** https://saferate.com/lenders/republic-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Republic Bank & Trust Company is a bank, headquartered in Louisville, KY, serving borrowers across 14 states, with 785 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 25% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** X6T32LKEPUT8LQMW6755
- **Headquarters:** Louisville, KY
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** CA, CO, FL, GA, IL, IN, KY, MI, NC, OH, PA, SC, TN, VA
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.121%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,055
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 785
- **Dollar Volume:** $235 million
- **Applications Received:** 1,327
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $299,688
- **Average Borrower Income:** $142,400
- **Average Property Value:** $402,427

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **FHA Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 629 | +0.115% | $1,068 | Strong 😀 |
| FHA | 68/100 | 118 | +0.279% | $1,107 | Strong 😀 |
| VA | 59/100 | 19 | -0.606% | $330 | Sound ☺️ |
| Jumbo | 45/100 | 19 | +0.499% | $1,226 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 523 loans, Score: 67/100 (Strong)
- Refinance: 106 loans, Score: 64/100 (Strong)

**FHA:**
- Purchase: 104 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 661 | $203M | +0.120% | Strong 😀 |
| Refinance | 64/100 | 124 | $33M | +0.124% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 534 | 1.15% | 89/100 |
| FL | 75 | 0.03% | 54/100 |
| IN | 66 | 0.07% | 58/100 |
| OH | 54 | 0.04% | 54/100 |
| TN | 29 | 0.03% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Louisville/Jefferson County, KY | KY-IN | 370 | 91/100 |
| Lexington | KY | 138 | 85/100 |
| Cincinnati, OH |  | 83 | 68/100 |
| Non |  | 57 | 43/100 |
| Tampa, FL | FL | 43 | 58/100 |
| Nashville | TN | 27 | 52/100 |
| St. Petersburg | FL | 18 | 50/100 |

## Where This Lender Ranks

Republic Bank & Trust Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Louisville/Jefferson County, KY for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Lexington for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#7** in Louisville/Jefferson County, KY for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#8** in Kentucky for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#8** in Lexington for FHA Loans
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/fha-loans)
- 🏆 **#9** in Louisville/Jefferson County, KY for FHA Loans
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/fha-loans)
- 🏆 **#9** in Louisville/Jefferson County, KY for Jumbo Loans
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/jumbo-loans)
- 🏆 **#10** in Lexington for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Cincinnati, OH for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#11** in Louisville/Jefferson County, KY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Lexington Banks
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks)
- 🏆 **#12** in Louisville/Jefferson County, KY Banks
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks)
- 🏆 **#12** in Louisville/Jefferson County, KY for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/va-loans)
- 🏆 **#13** in Lexington
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders)
- 🏆 **#14** in Kentucky for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#14** in Lexington for Conventional Loans
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/conventional-loans)
- 🏆 **#15** in Kentucky Banks
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks)
- 🏆 **#16** in Cincinnati, OH for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Kentucky for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Kentucky for FHA Loans
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does Republic Bank & Trust Company offer?

Republic Bank & Trust Company offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Republic Bank & Trust Company offer mortgages?

Republic Bank & Trust Company offers mortgages in 14 states: CA, CO, FL, GA, IL, IN, KY, MI, NC, OH, PA, SC, TN, VA.

### How competitive are Republic Bank & Trust Company's mortgage rates?

Republic Bank & Trust Company has a pricing score of 75/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.121% above market average.

### What type of lender is Republic Bank & Trust Company?

Republic Bank & Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Louisville, KY.

### What is Republic Bank & Trust Company's loan approval success rate?

Republic Bank & Trust Company has a pull-through score of 55/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/republic-bank-trust

### How to Cite

> "Republic Bank & Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/republic-bank-trust

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