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Republic Bank & Trust Company
Bank|Louisville, KY|Multi-Region
Loans Originated
785
Applications
1,327
Volume
$235 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.121%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,055
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
59.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and FHA loans
Report Card
Republic Bank & Trust Company performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 7 metro areas · 14 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$299,688
Average Borrower Income
$142,400
Average Property Value
$402,427
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% | $1,068 |
FHA Loans | Strong | Strong | Exceptional | Sound | 118 | 15.0% | +0.279% | $1,107 |
VA Loans | Sound | Sound | N/A | Sound | 19 | 2.4% | -0.606% | $330 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 19 | 2.4% | +0.499% | $1,226 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 661 | 84.2% | +0.120% | $974 |
Refinance | Strong | Strong | Strong | Sound | 124 | 15.8% | +0.124% | $1,433 |
Geographic Coverage
Metro Areas
6
States Served
14
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CACOFLGAILINKYMINCOHPASCTNVA
Top Metro Areas by Place Specialization Score
1
Louisville/Jefferson County, KY, KY-INMSA
Volume: 370Mix: 47.13%
Place Specialization
Exceptional
2
Lexington, KYMSA
Volume: 138Mix: 17.58%
Place Specialization
Exceptional
3
Cincinnati, OHMSA
Volume: 83Mix: 10.57%
Place Specialization
Strong
4
Tampa, FL, FLMSA
Volume: 43Mix: 5.48%
Place Specialization
Sound
5
Nashville, TNMSA
Volume: 27Mix: 3.44%
Place Specialization
Sound
6
St. Petersburg, FLMSA
Volume: 18Mix: 2.29%
Place Specialization
Sound
Top States by Place Specialization Score
1
KYState
Volume: 534Mix: 68.03%
Place Specialization
Exceptional
2
INState
Volume: 66Mix: 8.41%
Place Specialization
Sound
3
OHState
Volume: 54Mix: 6.88%
Place Specialization
Sound
4
FLState
Volume: 75Mix: 9.55%
Place Specialization
Sound
5
TNState
Volume: 29Mix: 3.69%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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