Lender in Kentucky · HMDA 2025
Republic Bank & Trust Company mortgages in Kentucky
Republic Bank & Trust Company's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Republic Bank & Trust Company originated 564 owner-occupied single-family loans in Kentucky from 626 completed applications, making it the state's #22 lender by volume.
Its median conventional purchase loan costs were $3,750 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.50% (Kentucky: 6.625%).
Loans in KY
564
of 626 applications
Denial rate
4.8%
Purchase · KY 8.2%
Rate spread
+0.07 pts
Conv. · KY +0.21 pts
Loan amount
$275,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 475 | 444 | 4.8% | 6.500% | +0.07 pts | $3,750 | $275,000 |
| Refinance | 64 | 54 | 15.6% | 4.500% | −0.34 pts | $3,160 | $215,000 |
| Cash-out refinance | 87 | 66 | 24.1% | 6.500% | +0.08 pts | $3,070 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Republic Bank & Trust Company ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jefferson County | 7 | 255 | 2.3% |
| Fayette County | 8 | 112 | 3.1% |
| Shelby County | 8 | 19 | 2.5% |
| Scott County | 13 | 22 | 1.8% |
| Wolfe County | 14 | 1 | 4.3% |
| Oldham County | 15 | 21 | 1.7% |
| Franklin County | 18 | 10 | 1.4% |
| Jessamine County | 20 | 12 | 1.4% |
| Bullitt County | 21 | 21 | 1.3% |
| Woodford County | 24 | 4 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology