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 score and performance metrics.

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 an overall pricing score of 75.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Republic Bank & Trust Company?

Republic Bank & Trust Company is a Bank headquartered in Louisville, KY.

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Republic Bank & Trust Company

Bank•Louisville, KYHQ•Direct•Reviews near you on Google

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

Promptness

Not enough data

—/5

No quote responses measured yet

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

Explore another lender or local market

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

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

629 loans · 0.12% above market

Strong

Top 40% of lenders

4/5

FHA

118 loans · 0.28% above market

Strong

Top 40% of lenders

4/5

19 loans · 0.61% below market

Sound

Top 60% of lenders

3/5

Jumbo

19 loans · 0.50% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

661 loans · 0.12% above market

Strong

Top 40% of lenders

4/5

Refinance

124 loans · 0.12% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 7 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Sound	629	80.1%	+0.115%Above	$1,068Fees
FHA Loans	Strong	Strong	Exceptional	Sound	118	15.0%	+0.279%Above	$1,107Fees
VA Loans	Sound	Sound	—	Sound	19	2.4%	-0.606%Below	$330Fees
Jumbo Loans	Acceptable	Sound	—	Acceptable	19	2.4%	+0.499%Above	$1,226Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume629

Mix80.1%

Spread

+0.115%Above

Fees

$1,068Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume118

Mix15.0%

Spread

+0.279%Above

Fees

$1,107Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume19

Mix2.4%

Spread

-0.606%Below

Fees

$330Fees

Jumbo Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

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	Strong	Strong	Strong	Sound	661	84.2%	+0.120%Above	$974Fees
Refinance	Strong	Strong	Strong	Sound	124	15.8%	+0.124%Above	$1,433Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume661

Mix84.2%

Spread

+0.120%Above

Fees

$974Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

14Full-year 2024 · HMDA

Loans originated

< 2020–5050–100100+None

Northeast1

Midwest4

ILINMIOH

South7

FLGAKYNCSCTNVA

West2

CACO

Top Metro Areas by Place Specialization Score

Louisville/Jefferson County, KY, KY-INMetro

Volume 370Mix 47.13% of portfolio

91/100

Exceptional

Lexington, KYMetro

Volume 138Mix 17.58% of portfolio

85/100

Exceptional

Cincinnati, OHMetro

Volume 83Mix 10.57% of portfolio

68/100

Strong

Tampa, FLMetro

Volume 43Mix 5.48% of portfolio

58/100

Sound

Nashville, TNMetro

Volume 27Mix 3.44% of portfolio

52/100

Sound

St. Petersburg, FLMetro

Volume 18Mix 2.29% of portfolio

50/100

Sound

Top States by Place Specialization Score

KentuckyState

Volume 534Mix 68.03% of portfolio

89/100

Exceptional

IndianaState

Volume 66Mix 8.41% of portfolio

58/100

Sound

OhioState

Volume 54Mix 6.88% of portfolio

54/100

Sound

FloridaState

Volume 75Mix 9.55% of portfolio

54/100

Sound

TennesseeState

Volume 29Mix 3.69% of portfolio

49/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

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.