Lender in Kentucky · HMDA 2025
Republic State Mortgage Co. mortgages in Kentucky
Republic State Mortgage Co.'s 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Republic State Mortgage Co. originated 244 owner-occupied single-family loans in Kentucky from 250 completed applications.
Its median conventional purchase loan costs were $5,570 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.50% (Kentucky: 6.625%).
Loans in KY
244
of 250 applications
Denial rate
2.2%
Purchase · KY 8.2%
Rate spread
+0.15 pts
Conv. · KY +0.21 pts
Loan amount
$215,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 232 | 227 | 2.2% | 6.500% | +0.15 pts | $5,570 | $215,000 |
| Refinance | 11 | 11 | — | — | — | — | — |
| Cash-out refinance | 7 | 6 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Republic State Mortgage Co. ranks in the top 25
Showing the 30 counties where it ranks highest, of 31.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Montgomery County | 1 | 34 | 9.8% |
| Breathitt County | 2 | 3 | 14.3% |
| Clark County | 3 | 36 | 6.7% |
| Johnson County | 3 | 14 | 8.9% |
| Casey County | 5 | 3 | 4.1% |
| Magoffin County | 5 | 1 | 3.7% |
| Powell County | 6 | 8 | 6.0% |
| Bath County | 7 | 4 | 4.5% |
| Robertson County | 7 | 1 | 4.3% |
| Lincoln County | 8 | 7 | 2.8% |
| Menifee County | 8 | 2 | 3.3% |
| Morgan County | 8 | 1 | 2.4% |
| Anderson County | 9 | 8 | 2.2% |
| Rowan County | 9 | 4 | 2.6% |
| Franklin County | 12 | 13 | 1.8% |
| Boyle County | 12 | 11 | 2.8% |
| Bourbon County | 12 | 4 | 1.8% |
| Estill County | 12 | 2 | 1.7% |
| Nicholas County | 12 | 1 | 1.7% |
| Mercer County | 13 | 6 | 1.8% |
| Woodford County | 15 | 5 | 1.4% |
| Jackson County | 16 | 1 | 1.5% |
| Bell County | 17 | 1 | 1.0% |
| Floyd County | 18 | 1 | 0.6% |
| Wayne County | 18 | 1 | 0.8% |
| McCreary County | 19 | 1 | 0.6% |
| Rockcastle County | 21 | 1 | 1.0% |
| Laurel County | 23 | 4 | 0.8% |
| Grayson County | 23 | 2 | 0.7% |
| Knox County | 24 | 1 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology