We analyzed every closed loan from Republic Bank & Trust Company — 785 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 6 mkts
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and FHA loans
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Report Card
Republic Bank & Trust Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+12.1 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 629 | 80.1% | +0.115%Above | $1,068Fees | ||||
FHA Loans | 118 | 15.0% | +0.279%Above | $1,107Fees | ||||
VA Loans | — | 19 | 2.4% | -0.606%Below | $330Fees | |||
Jumbo Loans | — | 19 | 2.4% | +0.499%Above | $1,226Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume629
Mix80.1%
Spread
+0.115%Above
Fees
$1,068Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume118
Mix15.0%
Spread
+0.279%Above
Fees
$1,107Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume19
Mix2.4%
Spread
-0.606%Below
Fees
$330Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume19
Mix2.4%
Spread
+0.499%Above
Fees
$1,226Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 661 | 84.2% | +0.120%Above | $974Fees | ||||
Refinance | 124 | 15.8% | +0.124%Above | $1,433Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume661
Mix84.2%
Spread
+0.120%Above
Fees
$974Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume124
Mix15.8%
Spread
+0.124%Above
Fees
$1,433Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
785
Applications
1,327
Volume
$235 million
Pricing & Closing
Avg Rate Spread
+0.121%
vs. market APOR
Avg Net Fees
$1,055
Origination − Credits
Pullthrough Rate
59.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$299,688
Avg Borrower Income
$142,400
Avg Property Value
$402,427
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
14Northeast1
PA
Midwest4
ILINMIOH
South7
FLGAKYNCSCTNVA
West2
CACO
Top Metro Areas by Place Specialization Score
Volume 370Mix 47.13% of portfolio
91/100
Exceptional
Volume 138Mix 17.58% of portfolio
85/100
Exceptional
Volume 83Mix 10.57% of portfolio
68/100
Strong
Volume 43Mix 5.48% of portfolio
58/100
Sound
Volume 27Mix 3.44% of portfolio
52/100
Sound
Volume 18Mix 2.29% of portfolio
50/100
SoundTop States by Place Specialization Score
1
KentuckyState
Volume 534Mix 68.03% of portfolio
89/100
Exceptional2
IndianaState
Volume 66Mix 8.41% of portfolio
58/100
Sound3
OhioState
Volume 54Mix 6.88% of portfolio
54/100
Sound4
FloridaState
Volume 75Mix 9.55% of portfolio
54/100
Sound5
TennesseeState
Volume 29Mix 3.69% of portfolio
49/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.