Republic Bank & Trust Company Mortgage Rates, Fees & Info

Louisville, KY

LEI: X6T32LKEPUT8LQMW6755

Tax ID: 61-0197400

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Review & Overview

    Republic Bank & Trust Company is a small bank specializing in Refi, Home Purchase, and Cash Out Refi loans. Republic Bank & Trust Company has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Louisville, Lexington, Nashville, Tampa, and Cincinnati among others. We have data for 192 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Republic Bank & Trust Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Republic Bank & Trust Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.55% 11/21/24
    30 Year Conventional Purchase 6.27% 11/21/24
    30 Year Conventional Refi 6.32% 11/21/24
    30 Year Cash-out Refi 6.47% 11/21/24
    30 Year FHA Purchase 7.60% 11/21/24
    30 Year FHA Refi 6.27% 11/21/24
    30 Year VA Purchase 6.24% 11/21/24
    30 Year VA Refi 6.27% 11/21/24
    30 Year USDA Purchase 6.27% 11/21/24
    15 Year Conventional Purchase 6.03% 11/21/24
    15 Year Conventional Refi 6.18% 11/21/24
    15 Year Cash-out Refi 6.18% 11/21/24
    15 Year FHA Refi 7.13% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Republic Bank & Trust Company Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Republic Bank & Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    5,627

    Origination Dollar Volume (All Markets)

    $1,250,265,000

    Employee count

    1,094 Show all (20) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    LOUISVILLE, KY (FHA|USDA|VA) 3,288 $647,080,000 $196,800 $2,717 3.32%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 594 $122,490,000 $206,212 $2,840 3.30%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 242 $73,790,000 $304,917 $3,114 3.36%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 249 $71,515,000 $287,209 $3,855 3.44%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 202 $64,330,000 $318,465 $2,944 3.41%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 46 $11,510,000 $250,217 $3,406 3.21%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 32 $10,820,000 $338,125 $3,889 2.97%
    Outside of Metro Areas 52 $9,480,000 $182,308 $3,099 3.16%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 32 $8,740,000 $273,125 $3,095 3.07%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 28 $7,030,000 $251,071 $2,979 3.05%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 28 $6,800,000 $242,857 $3,122 2.92%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 25 $6,695,000 $267,800 $4,354 2.93%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 16 $6,620,000 $413,750 $3,231 3.23%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 16 $6,510,000 $406,875 $4,248 3.16%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 41 $6,425,000 $156,707 $3,776 3.20%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 23 $6,215,000 $270,217 $3,722 3.10%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 17 $6,075,000 $357,353 $2,634 3.15%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 33 $5,785,000 $175,303 $3,702 3.27%
    Richmond-Berea, KY (FHA|USDA|VA) 26 $5,590,000 $215,000 $3,742 3.38%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 20 $5,530,000 $276,500 $3,847 3.09%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 16 $5,400,000 $337,500 $2,548 3.20%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 16 $5,320,000 $332,500 $3,250 3.05%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 13 $5,085,000 $391,154 $6,055 2.93%
    Frankfort, KY (FHA|USDA|VA) 35 $4,955,000 $141,571 $3,229 3.31%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 15 $4,835,000 $322,333 $3,249 3.03%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 18 $4,720,000 $262,222 $3,130 2.94%
    Bardstown, KY (FHA|USDA|VA) 27 $4,425,000 $163,889 $2,517 3.50%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 10 $4,320,000 $432,000 $2,643 3.11%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $3,935,000 $787,000 $5,516 3.03%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 10 $3,870,000 $387,000 $4,237 3.10%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 15 $3,835,000 $255,667 $2,551 3.04%
    JACKSONVILLE, FL (FHA|USDA|VA) 14 $3,830,000 $273,571 $3,583 3.07%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 9 $3,435,000 $381,667 $4,131 2.93%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 13 $3,435,000 $264,231 $3,153 2.96%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 8 $3,340,000 $417,500 $4,850 3.23%
    COLUMBUS, OH (FHA|USDA|VA) 14 $3,250,000 $232,143 $3,155 3.21%
    RALEIGH-CARY, NC (FHA|USDA|VA) 10 $2,940,000 $294,000 $3,100 3.15%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 11 $2,815,000 $255,909 $3,088 3.35%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 10 $2,800,000 $280,000 $2,550 3.09%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 11 $2,775,000 $252,273 $2,972 3.36%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 10 $2,480,000 $248,000 $4,201 3.48%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 11 $2,465,000 $224,091 $3,372 3.03%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 11 $2,445,000 $222,273 $3,921 3.16%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 8 $2,340,000 $292,500 $3,057 2.86%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 7 $2,175,000 $310,714 $3,632 2.80%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $2,130,000 $532,500 $4,666 3.31%
    SALT LAKE CITY, UT (FHA|USDA|VA) 6 $2,110,000 $351,667 $2,814 3.02%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 8 $2,060,000 $257,500 $4,022 2.97%
    Danville, KY (FHA|USDA|VA) 9 $1,995,000 $221,667 $3,296 3.29%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $1,615,000 $538,333 $4,422 3.17%
    COLUMBUS, IN (FHA|USDA|VA) 4 $1,440,000 $360,000 $2,482 2.97%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 6 $1,390,000 $231,667 $3,623 2.92%
    PITTSBURGH, PA (FHA|USDA|VA) 4 $1,260,000 $315,000 $5,659 2.81%
    RICHMOND, VA (FHA|USDA|VA) 5 $1,245,000 $249,000 $3,433 3.20%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 4 $1,170,000 $292,500 $2,415 3.13%
    COLUMBIA, SC (FHA|USDA|VA) 4 $1,140,000 $285,000 $2,832 2.97%
    OWENSBORO, KY (FHA|USDA|VA) 10 $1,130,000 $113,000 $3,471 2.79%
    JACKSON, TN (FHA|USDA|VA) 3 $1,075,000 $358,333 $2,988 3.88%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $1,015,000 $338,333 $7,370 2.83%
    MONROE, LA (FHA|USDA|VA) 4 $960,000 $240,000 $5,006 2.56%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 5 $935,000 $187,000 $3,148 2.83%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $935,000 $187,000 $3,396 3.05%
    KNOXVILLE, TN (FHA|USDA|VA) 4 $930,000 $232,500 $5,031 3.06%
    BOULDER, CO (FHA|USDA|VA) 3 $925,000 $308,333 $2,494 3.17%
    TERRE HAUTE, IN (FHA|USDA|VA) 3 $895,000 $298,333 $2,202 3.54%
    PUNTA GORDA, FL (FHA|USDA|VA) 4 $870,000 $217,500 $3,458 3.16%
    BRUNSWICK, GA (FHA|USDA|VA) 2 $860,000 $430,000 $0 3.25%
    BOWLING GREEN, KY (FHA|USDA|VA) 4 $860,000 $215,000 $2,051 3.31%
    TALLAHASSEE, FL (FHA|USDA|VA) 6 $830,000 $138,333 $4,562 3.53%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $790,000 $197,500 $3,064 2.91%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 4 $770,000 $192,500 $3,800 2.97%
    Sevierville, TN (FHA|USDA|VA) 2 $750,000 $375,000 $2,662 3.56%
    ASHEVILLE, NC (FHA|USDA|VA) 3 $725,000 $241,667 $7,014 3.04%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $705,000 $235,000 $3,690 3.08%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $705,000 $235,000 $2,728 3.21%
    MOBILE, AL (FHA|USDA|VA) 2 $680,000 $340,000 $3,509 3.06%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $680,000 $340,000 $3,423 3.13%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $660,000 $330,000 $2,340 3.00%
    MADISON, WI (FHA|USDA|VA) 2 $660,000 $330,000 $2,644 3.38%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $655,000 $218,333 $3,859 3.04%
    Shelbyville, TN (FHA|USDA|VA) 3 $655,000 $218,333 $4,372 3.42%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $635,000 $211,667 $3,989 2.71%
    AKRON, OH (FHA|USDA|VA) 3 $615,000 $205,000 $2,760 3.04%
    SPRINGFIELD, MO (FHA|USDA|VA) 2 $610,000 $305,000 $2,588 3.31%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $525,000 $525,000 $2,767 3.38%
    Traverse City, MI (FHA|USDA|VA) 2 $520,000 $260,000 $3,778 2.94%
    Somerset, KY (FHA|USDA|VA) 3 $515,000 $171,667 $2,895 3.54%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $515,000 $515,000 $6,979 2.88%
    Mount Sterling, KY (FHA|USDA|VA) 3 $515,000 $171,667 $2,041 3.27%
    Faribault-Northfield, MN (FHA|USDA|VA) 2 $500,000 $250,000 $2,761 3.13%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $500,000 $250,000 $5,149 3.00%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $490,000 $245,000 $2,868 2.75%
    Cullowhee, NC (FHA|USDA|VA) 2 $480,000 $240,000 $2,938 3.00%
    WINSTON-SALEM, NC (FHA|USDA|VA) 2 $460,000 $230,000 $2,109 3.06%
    SAVANNAH, GA (FHA|USDA|VA) 2 $460,000 $230,000 $2,541 2.69%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $440,000 $220,000 $1,881 3.13%
    SALINAS, CA (FHA|USDA|VA) 1 $435,000 $435,000 $2,117 3.13%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $435,000 $435,000 $2,787 3.13%
    SALEM, OR (FHA|USDA|VA) 2 $430,000 $215,000 $3,207 3.38%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $425,000 $425,000 $4,093 3.38%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $425,000 $425,000 $3,010 3.75%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $420,000 $210,000 $2,295 3.19%
    Shelby, NC (FHA|USDA|VA) 2 $420,000 $210,000 $2,219 2.81%
    TOLEDO, OH (FHA|USDA|VA) 2 $410,000 $205,000 $3,251 3.06%
    CLEVELAND, TN (FHA|USDA|VA) 2 $400,000 $200,000 $2,253 3.19%
    DOTHAN, AL (FHA|USDA|VA) 2 $400,000 $200,000 $2,228 3.13%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $400,000 $200,000 $2,292 3.31%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $400,000 $200,000 $2,396 2.81%
    Newberry, SC (FHA|USDA|VA) 1 $395,000 $395,000 $2,885 3.38%
    Forest City, NC (FHA|USDA|VA) 1 $385,000 $385,000 $3,084 3.00%
    Murray, KY (FHA|USDA|VA) 1 $385,000 $385,000 $4,466 3.25%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $385,000 $385,000 $7,908 2.38%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $375,000 $375,000 $3,492 3.63%
    FRESNO, CA (FHA|USDA|VA) 2 $370,000 $185,000 $1,967 3.06%
    ROME, GA (FHA|USDA|VA) 2 $360,000 $180,000 $2,743 2.69%
    ROANOKE, VA (FHA|USDA|VA) 1 $355,000 $355,000 $3,181 3.00%
    WILMINGTON, NC (FHA|USDA|VA) 1 $355,000 $355,000 $2,884 3.00%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $350,000 $175,000 $3,510 3.13%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $350,000 $175,000 $2,325 3.25%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $340,000 $170,000 $2,374 2.88%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $340,000 $170,000 $2,216 2.75%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $325,000 $325,000 $2,666 3.75%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $315,000 $315,000 $7,194 2.88%
    GREELEY, CO (FHA|USDA|VA) 1 $305,000 $305,000 $8,626 3.13%
    STOCKTON, CA (FHA|USDA|VA) 1 $295,000 $295,000 $2,117 2.75%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $295,000 $295,000 $3,056 3.50%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $285,000 $285,000 $2,470 3.13%
    FLINT, MI (FHA|USDA|VA) 1 $285,000 $285,000 $5,082 3.00%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $275,000 $275,000 $4,042 3.50%
    Thomaston, GA (FHA|USDA|VA) 1 $275,000 $275,000 $5,164 3.50%
    Wilmington, OH (FHA|USDA|VA) 1 $265,000 $265,000 $3,555 3.00%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $265,000 $265,000 $1,767 3.13%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $265,000 $265,000 $2,544 3.13%
    Glasgow, KY (FHA|USDA|VA) 2 $260,000 $130,000 $2,593 3.50%
    Laurinburg, NC (FHA|USDA|VA) 1 $255,000 $255,000 $5,614 3.38%
    MERCED, CA (FHA|USDA|VA) 1 $255,000 $255,000 $2,309 2.88%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $255,000 $255,000 $3,537 2.75%
    OCALA, FL (FHA|USDA|VA) 1 $245,000 $245,000 $5,038 2.50%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $245,000 $245,000 $4,780 3.75%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $2,992 2.50%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $235,000 $235,000 $3,238 3.25%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $235,000 $235,000 $2,632 2.88%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $235,000 $235,000 $3,032 3.13%
    Torrington, CT (FHA|USDA|VA) 1 $235,000 $235,000 $3,151 3.38%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $225,000 $225,000 $2,745 2.75%
    DECATUR, AL (FHA|USDA|VA) 1 $225,000 $225,000 $2,192 3.13%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $225,000 $225,000 $3,422 3.25%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $225,000 $225,000 $3,134 3.38%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $225,000 $225,000 $2,153 2.88%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $215,000 $215,000 $2,313 2.88%
    READING, PA (FHA|USDA|VA) 1 $215,000 $215,000 $3,955 2.88%
    Georgetown, SC (FHA|USDA|VA) 1 $215,000 $215,000 $3,377 3.00%
    Prineville, OR (FHA|USDA|VA) 1 $205,000 $205,000 $3,012 2.88%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $205,000 $205,000 $3,248 3.38%
    Branson, MO (FHA|USDA|VA) 1 $205,000 $205,000 $2,961 2.88%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $205,000 $205,000 $2,211 2.75%
    Picayune, MS (FHA|USDA|VA) 1 $205,000 $205,000 $1,398 2.88%
    LOGAN, UT-ID (FHA|USDA|VA) 1 $205,000 $205,000 $4,428 2.75%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $205,000 $205,000 $2,066 3.13%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $195,000 $195,000 $2,482 2.88%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $195,000 $195,000 $2,322 2.50%
    BEND, OR (FHA|USDA|VA) 1 $195,000 $195,000 $3,295 2.88%
    London, KY (FHA|USDA|VA) 2 $190,000 $95,000 $2,556 3.06%
    MUSKEGON, MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,620 2.63%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $185,000 $185,000 $2,352 2.50%
    YUMA, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $1,977 2.88%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,094 2.63%
    Tiffin, OH (FHA|USDA|VA) 1 $185,000 $185,000 $2,469 3.75%
    VALDOSTA, GA (FHA|USDA|VA) 1 $185,000 $185,000 $2,451 2.38%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,192 2.88%
    COLUMBIA, MO (FHA|USDA|VA) 1 $175,000 $175,000 $5,578 3.88%
    Summerville, GA (FHA|USDA|VA) 1 $165,000 $165,000 $2,667 3.38%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $2,259 3.13%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $165,000 $165,000 $1,997 2.88%
    LEBANON, PA (FHA|USDA|VA) 1 $165,000 $165,000 $4,033 2.75%
    WALLA WALLA, WA (FHA|USDA|VA) 1 $165,000 $165,000 $2,867 3.13%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,257 3.00%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $145,000 $145,000 $3,476 3.00%
    APPLETON, WI (FHA|USDA|VA) 1 $145,000 $145,000 $1,717 2.75%
    Bluefield, WV-VA (FHA|USDA|VA) 1 $145,000 $145,000 $2,745 3.25%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $135,000 $135,000 $1,932 2.88%
    JACKSON, MS (FHA|USDA|VA) 1 $135,000 $135,000 $3,674 3.63%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $135,000 $135,000 $2,560 3.00%
    Madisonville, KY (FHA|USDA|VA) 1 $125,000 $125,000 $2,406 2.88%
    Lebanon, MO (FHA|USDA|VA) 1 $125,000 $125,000 $3,169 2.75%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $125,000 $125,000 $2,825 2.75%
    Scottsburg, IN (FHA|USDA|VA) 1 $105,000 $105,000 $1,767 3.38%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $95,000 $95,000 $2,460 3.25%
    ALTOONA, PA (FHA|USDA|VA) 1 $95,000 $95,000 $2,861 2.75%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $75,000 $75,000 $4,400 2.00%
    Campbellsville, KY (FHA|USDA|VA) 1 $65,000 $65,000 $2,584 4.00%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $65,000 $65,000 $2,322 3.13%
    Republic Bank & Trust Company's top markets include Louisville, Lexington, Nashville, Tampa, and Cincinnati among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,714 $1,123,150,000 $238,258 $2,810 3.24%
    HELOC 660 $76,710,000 $116,227 n/a 3.68%
    FHA 157 $27,805,000 $177,102 $5,927 3.49%
    VA 77 $19,225,000 $249,675 $4,492 3.01%
    USDA 19 $3,375,000 $177,632 $4,719 3.16%

    For 2020, Republic Bank & Trust Company's most frequently originated type of loan was Conventional, with 4,714 originations. Their 2nd most popular type was HELOC, with 660 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 2,217 $560,025,000 $252,605 $2,724 3.06%
    Home Purchase 1,649 $379,305,000 $230,021 $3,273 3.45%
    Cash Out Refi 1,196 $254,810,000 $213,052 $3,098 3.29%
    Other 363 $39,435,000 $108,636 $1,936 3.74%
    Home Improvement 202 $16,690,000 $82,624 $1,247 3.78%

    For 2020, Republic Bank & Trust Company's most frequently cited loan purpose was Refi, with 2,217 originations. The 2nd most popular reason was Home Purchase, with 1,649 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,118 $776,520,000 $249,044 $3,191 3.30%
    10 Year 1,084 $178,580,000 $164,742 $1,036 3.67%
    15 Year 993 $204,505,000 $205,947 $2,702 2.91%
    20 Year 286 $58,100,000 $203,147 $2,645 3.18%
    Other 68 $17,480,000 $257,059 $2,761 3.23%
    1 Year 36 $9,770,000 $271,389 $1,679 4.03%
    5 Year 36 $1,740,000 $48,333 $638 2.22%
    30+ year 6 $3,570,000 $595,000 $5,831 4.33%

    For 2020, Republic Bank & Trust Company's most frequently cited loan duration was 30 Year, with 3,118 originations. The 2nd most popular length was 10 Year, with 1,084 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,808 $665,140,000 $236,873
    $1k-2k 1,460 $287,980,000 $197,247
    $2k-3k 243 $60,975,000 $250,926
    $5k+ 69 $23,065,000 $334,275
    $3k-4k 68 $21,140,000 $310,882
    $4k-5k 37 $13,345,000 $360,676

    Republic Bank & Trust Company's average total fees were $3,191, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,808 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,768 $642,050,000 $231,954
    2.5-3% 1,955 $469,285,000 $240,043
    4-5% 596 $82,940,000 $139,161
    <2.5% 258 $50,980,000 $197,597
    5-6% 48 $4,710,000 $98,125
    7-8% 1 $5,000 $5,000
    Over 8% 1 $295,000 $295,000

    During 2020, Republic Bank & Trust Company's average interest rate for loans was 3.30%, while their most frequently originated rate bucket for loans was 3-4%, with 2,768 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,040 $558,320,000 $273,686 $3,181 3.16%
    $100k-200k 1,970 $294,490,000 $149,487 $2,773 3.26%
    $100,000 or less 1,052 $58,880,000 $55,970 $1,853 3.64%
    $400k-600k 432 $202,160,000 $467,963 $3,745 3.19%
    $600k-1MM 93 $70,925,000 $762,634 $5,242 3.43%
    $1MM+ 40 $65,490,000 $1,637,250 $6,715 3.66%

    2020 saw Republic Bank & Trust Company place emphasis on $200k-400k loans with 2,040 originations, totaling $558,320,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,112 $260,960,000 $234,676 $3,031 3.20%
    $50k-75k 1,077 $171,835,000 $159,550 $2,794 3.32%
    $50k or less 852 $95,890,000 $112,547 $2,529 3.46%
    $75k-100k 807 $157,575,000 $195,260 $2,970 3.27%
    $150k-250k 798 $221,290,000 $277,306 $3,271 3.23%
    $250k+ 513 $201,285,000 $392,368 $3,505 3.32%

    Republic Bank & Trust Company lent most frequently to those with incomes in the $100k-150k range, with 1,112 originations. The second most popular income band? $50k-75k, with 1,077 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,529 $330,885,000 $216,406 $2,804 3.21%
    30-36% 980 $208,240,000 $212,490 $3,019 3.32%
    <20% 913 $205,515,000 $225,099 $2,793 3.14%
    40% 195 $37,095,000 $190,231 $2,724 3.37%
    37% 187 $37,935,000 $202,861 $3,117 3.41%
    38% 168 $32,670,000 $194,464 $2,930 3.56%
    36% 168 $36,840,000 $219,286 $2,987 3.33%
    39% 167 $35,255,000 $211,108 $2,913 3.42%
    42% 161 $30,955,000 $192,267 $2,973 3.48%
    41% 151 $32,425,000 $214,735 $2,998 3.38%
    44% 134 $29,370,000 $219,179 $3,137 3.27%
    43% 122 $25,750,000 $211,066 $3,121 3.32%
    45% 108 $24,490,000 $226,759 $3,186 3.33%
    48% 81 $18,045,000 $222,778 $3,734 3.36%
    46% 79 $16,515,000 $209,051 $3,141 3.28%
    49% 74 $16,630,000 $224,730 $3,407 3.24%
    47% 72 $13,570,000 $188,472 $3,160 3.22%
    50-60% 32 $8,000,000 $250,000 $5,260 3.27%
    >60% 6 $1,490,000 $248,333 $2,888 4.31%

    Republic Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 1,529 originations. The next most common DTI ratio? 30-36%, with 980 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,512 $981,040,000 $217,429 $2,952 3.26%
    Not applicable 221 $87,685,000 $396,765 $0 3.67%
    Not provided 349 $80,725,000 $231,304 $3,061 3.23%
    Black 373 $60,955,000 $163,418 $2,826 3.62%
    Asian 106 $26,480,000 $249,811 $2,979 3.21%
    Asian Indian 24 $5,780,000 $240,833 $2,766 3.12%
    American Indian 18 $2,450,000 $136,111 $2,603 3.58%
    Other Asian 8 $1,500,000 $187,500 $3,057 3.20%
    Korean 2 $1,170,000 $585,000 $2,897 3.19%
    Filipino 4 $810,000 $202,500 $3,286 2.78%
    Native Hawaiian or Islander 4 $630,000 $157,500 $1,741 3.88%
    Chinese 4 $630,000 $157,500 $4,481 3.13%
    Vietnamese 2 $410,000 $205,000 $2,316 2.88%

    Approval Rates

    Total approvals of all applications
    93.35%

    Republic Bank & Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    56.25%

    Republic Bank & Trust Company has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,627 $1,250,265,000 $222,190

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 77 $63,685,000 $827,078
    Single Family (1-4 Units):Manufactured 7 $625,000 $89,286
    Single Family (1-4 Units):Site-Built 5,543 $1,185,955,000 $213,955

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 510 $77,470,000 $151,902 $2,499 3.35%
    40-60% 975 $218,725,000 $224,333 $2,705 3.05%
    60-80% 2,189 $566,675,000 $258,874 $3,016 3.20%
    80-100% 1,431 $354,895,000 $248,005 $3,363 3.42%
    Over 100% 12 $3,130,000 $260,833 $9,019 3.06%
    Under 20% 485 $23,465,000 $48,381 $610 3.81%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Republic State Mortgage Co. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Republic Bank & Trust Company 25 Town Center Blvd., Suite 101 Crestview Hills, KY 41017 Full Service B&M $42,132
    Republic Bank & Trust Company 10100 Brookridge Village Blvd Louisville, KY 40291 Full Service B&M $76,499
    Republic Bank & Trust Company 10577 State Road 54 New Port Richey, FL 34655 Full Service B&M $69,797
    Republic Bank & Trust Company 113 Seaboard Lane Franklin, TN 37067 Full Service B&M $37,832
    Republic Bank & Trust Company 11330 Main Street Middletown, KY 40243 Full Service B&M $119,807
    Republic Bank & Trust Company 12933 Walsingham Road Largo, FL 33774 Full Service B&M $29,837
    Republic Bank & Trust Company 1300 N. Westshore Blvd. Tampa, FL 33607 Full Service B&M $65,309
    Republic Bank & Trust Company 1420 Poplar Level Road Louisville, KY 40213 Full Service B&M $63,236
    Republic Bank & Trust Company 1720 West Broadway Louisville, KY 40203 Full Service B&M $7,845
    Republic Bank & Trust Company 2034 Richard Jones Road Nashville, TN 37215 Full Service B&M $19,567
    Republic Bank & Trust Company 2401 Harrodsburg Road Lexington, KY 40504 Full Service B&M $154,153
    Republic Bank & Trust Company 2801 Bardstown Road Louisville, KY 40205 Full Service B&M $108,135
    Republic Bank & Trust Company 3001 Charlestown Crossing Way Ste 5 New Albany, IN 47150 Full Service B&M $50,544
    Republic Bank & Trust Company 3098 Helmsdale Lexington, KY 40509 Full Service B&M $43,754
    Republic Bank & Trust Company 3141 Highway 62 Jeffersonville, IN 47130 Full Service B&M $42,057
    Republic Bank & Trust Company 333 West Vine Street, Suite 10240507 Lexington, KY 40507 Full Service Retail $80,835
    Republic Bank & Trust Company 35 Village Plaza Shelbyville, KY 40065 Full Service B&M $89,143
    Republic Bank & Trust Company 3608 Walden Drive Lexington, KY 40517 Full Service B&M $48,815
    Republic Bank & Trust Company 3726 Lexington Road Louisville, KY 40207 Full Service B&M $88,722
    Republic Bank & Trust Company 3811 Ruckriegel Pkwy Louisville, KY 40299 Full Service B&M $70,916
    Republic Bank & Trust Company 3902 Taylorsville Road Louisville, KY 40220 Full Service B&M $55,053
    Republic Bank & Trust Company 3950 Kresge Way St. Matthews, KY 40207 Full Service B&M $41,286
    Republic Bank & Trust Company 4030 Smith Road Cincinnati, OH 45209 Full Service B&M $143,812
    Republic Bank & Trust Company 430 Connector Road Georgetown, KY 40324 Full Service B&M $23,800
    Republic Bank & Trust Company 438 Highway 44 East Shepherdsville, KY 40165 Full Service B&M $41,199
    Republic Bank & Trust Company 4571 Duffy Road Floyds Knobs, IN 47119 Full Service B&M $28,291
    Republic Bank & Trust Company 4808 Outer Loop Louisville, KY 40219 Full Service B&M $68,967
    Republic Bank & Trust Company 4921 Old Brownsboro Road Louisville, KY 40222 Full Service B&M $81,119
    Republic Bank & Trust Company 5125 New Cut Road Louisville, KY 40214 Full Service B&M $30,088
    Republic Bank & Trust Company 5320 Dixie Highway Louisville, KY 40216 Full Service B&M $71,422
    Republic Bank & Trust Company 535 Madison Ave. Covington, KY 41011 Full Service B&M $48,356
    Republic Bank & Trust Company 601 West Market Street Louisville, KY 40202 Full Service B&M $1,138,645
    Republic Bank & Trust Company 6300 4th Street North Saint Petersburg, FL 33702 Full Service B&M $170,200
    Republic Bank & Trust Company 641 East Euclid Ave Lexington, KY 40502 Full Service B&M $36,165
    Republic Bank & Trust Company 6600 Central Avenue Saint Petersburg, FL 33707 Full Service B&M $79,133
    Republic Bank & Trust Company 661 South Hurstborne Parkway Louisville, KY 40223 Full Service B&M $1,301,574
    Republic Bank & Trust Company 6906 East Fowler Avenue Tampa, FL 33617 Full Service B&M $54,703
    Republic Bank & Trust Company 7800 Seminole Boulevard Seminole, FL 33772 Full Service B&M $54,356
    Republic Bank & Trust Company 8513 Ushwy 42 Florence, KY 41042 Full Service B&M $62,549
    Republic Bank & Trust Company 9101 Ushwy 42 Prospect, KY 40059 Full Service B&M $89,963
    Republic Bank & Trust Company 9110 West Chester Towne Centre Drive West Chester, OH 45069 Full Service B&M $5,547
    Republic Bank & Trust Company 9600 Brownsboro Rd Louisville, KY 40241 Full Service B&M $183,306

    For 2020, Republic Bank & Trust Company had 42 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $251,984
    Net interest income $233,040
    Total noninterest income $87,907
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $11,557
    Trading account gains and fees $564
    Additional Noninterest Income $75,786
    Pre-tax net operating income $102,953
    Securities gains (or losses, -) $54
    Income before extraordinary items $83,287
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $83,287
    Minority interest net income $0
    Net income $83,287
    Sale, conversion, retirement of capital stock, net $2,224
    Net operating income $83,243

    Republic Bank & Trust Company's gross interest income from loans was $251,984,000.
    Republic Bank & Trust Company's net interest income from loans was $233,040,000.
    Republic Bank & Trust Company's fee based income from loans was $11,557,000.
    Republic Bank & Trust Company's net income from loans was $83,287,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $18,944
    Provision for credit losses $31,278
    Total noninterest expense $186,716
    Salaries and employee benefits $105,743
    Premises and equipment expense $27,555
    Additional noninterest expense $53,418
    Applicable income taxes $19,720
    Net charge-offs $20,168
    Cash dividends $24,800

    Republic Bank & Trust Company's interest expense for loans was $18,944,000.
    Republic Bank & Trust Company's payroll and benefits expense were $105,743,000.
    Republic Bank & Trust Company's property, plant and equipment expenses $27,555,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $4,832,543
    Deposits held in domestic offices $4,832,543
    Deposits by Individuals, partnerships, and corporations $4,677,161
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $117,324
    Deposits by Commercial banks and other depository institutions in U.S. $38,057
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $289,043
    Demand deposits $222,040
    Nontransaction accounts $4,543,500
    Money market deposit accounts (MMDAs) $3,812,876
    Other savings deposits (excluding MMDAs) $332,220
    Total time deposits $398,403
    Total time and savings deposits $4,610,503
    Noninterest-bearing deposits $1,987,324
    Interest-bearing deposits $2,845,219
    Retail deposits $4,469,979
    IRAs and Keogh plan accounts $51,082
    Brokered deposits $282,866
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $6,158,886
    Cash & Balances due from depository institutions $480,961
    Interest-bearing balances $391,331
    Total securities $576,470
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,804,069
    Loan and leases loss allowance $61,067
    Trading account assets $12,545
    Bank premises and fixed assets $82,457
    Other real estate owned $2,499
    Goodwill and other intangibles $23,584
    All other assets $176,301

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $6,158,886
    Total Liabilities $5,396,957
    Total deposits $4,832,543
    Interest-bearing deposits $2,845,219
    Deposits held in domestic offices $4,832,543
    % insured (estimated) $55
    Federal funds purchased and repurchase agreements $211,026
    Trading liabilities $0
    Other borrowed funds $279,340
    Subordinated debt $0
    All other liabilities $74,048

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,804,069
    Loan and leases loss allowance $61,067
    Total loans and leases (domestic) $4,865,136
    All real estate loans $2,879,846
    Real estate loans in domestic offices $2,879,846
    Construction and development loans $98,674
    Residential 1-4 family construction $11,316
    Other construction, all land development and other land $87,358
    Loans secured by nonfarm nonresidential properties $1,170,915
    Nonfarm nonresidential secured by owner-occupied properties $539,380
    Commercial real estate & other non-farm, non-residential $631,535
    Multifamily residential real estate $170,861
    1-4 family residential loans $1,432,087
    Farmland loans $7,309
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $662,722
    To non-U.S. addressees $0
    Loans to individuals $251,897
    Credit card loans $14,196
    Related Plans $72,844
    Consumer Auto Loans $30,300
    Other loans to individuals $134,557
    All other loans & leases $1,070,671
    Loans to foreign governments and official institutions $0
    Other loans $1,022,170
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $14,065
    Non 1-4 family restructured loans & leases $3,026
    Total loans and leases (foreign) $0

    Republic Bank & Trust Company had $4,804,069,000 of loans outstanding in 2020. $2,879,846,000 of loans were in real estate loans. $98,674,000 of loans were in development loans. $170,861,000 of loans were in multifamily mortgage loans. $1,432,087,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $14,196,000 of loans were in credit card loans. $30,300,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,438 $389,415 $270,803
    Nonfarm, nonresidential loans - <$100k 148 $6,961 $47,034
    Nonfarm, nonresidential loans - $100-250k 478 $60,001 $125,525
    Nonfarm, nonresidential loans - $250k-1MM 812 $322,453 $397,110
    Commercial & Industrial, US addressed loans - <$1MM 4,129 $382,342 $92,599
    Commercial & Industrial, US addressed loans - <$100k 2,807 $84,479 $30,096
    Commercial & Industrial, US addressed loans - $100-250k 781 $100,206 $128,305
    Commercial & Industrial, US addressed loans - $250k-1MM 541 $197,657 $365,355
    Farmland loans - <$1MM 14 $2,358 $168,429
    Farmland loans - <$100k 3 $172 $57,333
    Farmland loans - $100-250k 5 $414 $82,800
    Farmland loans - $250k-1MM 6 $1,772 $295,333