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 Home Purchase, Refi, 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, Tampa, Nashville, and Cincinnati among others. We have data for 195 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% 12/3/24
    30 Year Conventional Purchase 6.27% 12/3/24
    30 Year Conventional Refi 6.32% 12/3/24
    30 Year Cash-out Refi 6.47% 12/3/24
    30 Year FHA Purchase 7.60% 12/3/24
    30 Year FHA Refi 6.27% 12/3/24
    30 Year VA Purchase 6.24% 12/3/24
    30 Year VA Refi 6.27% 12/3/24
    30 Year USDA Purchase 6.27% 12/3/24
    15 Year Conventional Purchase 6.03% 12/3/24
    15 Year Conventional Refi 6.18% 12/3/24
    15 Year Cash-out Refi 6.18% 12/3/24
    15 Year FHA Refi 7.13% 12/3/24
    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

    4,887

    Origination Dollar Volume (All Markets)

    $1,132,015,000

    Employee count

    1,045 Show all (14) 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) 2,783 $538,785,000 $193,599 $2,889 3.10%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 486 $115,630,000 $237,922 $2,990 3.05%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 275 $83,795,000 $304,709 $3,918 3.16%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 213 $73,555,000 $345,329 $3,691 3.17%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 196 $68,030,000 $347,092 $3,329 3.22%
    Outside of Metro Areas 57 $12,585,000 $220,789 $3,508 2.99%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 11 $11,025,000 $1,002,273 $3,189 3.33%
    Frankfort, KY (FHA|USDA|VA) 23 $9,915,000 $431,087 $2,763 3.03%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 33 $9,145,000 $277,121 $4,459 2.74%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 23 $8,995,000 $391,087 $4,798 2.84%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 35 $8,255,000 $235,857 $4,095 2.63%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 24 $6,670,000 $277,917 $3,553 2.73%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 25 $6,485,000 $259,400 $4,173 2.76%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 24 $6,450,000 $268,750 $3,094 2.71%
    RALEIGH-CARY, NC (FHA|USDA|VA) 23 $6,095,000 $265,000 $3,025 2.81%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 36 $5,350,000 $148,611 $3,760 3.05%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 22 $5,230,000 $237,727 $2,928 2.68%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 20 $5,040,000 $252,000 $3,000 2.81%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 14 $4,960,000 $354,286 $4,451 3.03%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 10 $4,810,000 $481,000 $3,574 2.82%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 17 $4,715,000 $277,353 $5,081 3.18%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 25 $4,665,000 $186,600 $3,565 3.36%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 7 $4,045,000 $577,857 $5,477 2.89%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 11 $4,015,000 $365,000 $3,719 2.73%
    Bardstown, KY (FHA|USDA|VA) 20 $3,760,000 $188,000 $3,326 2.98%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 14 $3,610,000 $257,857 $3,749 3.13%
    PANAMA CITY, FL (FHA|USDA|VA) 3 $3,595,000 $1,198,333 $4,467 3.25%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 16 $3,230,000 $201,875 $3,156 2.86%
    Richmond-Berea, KY (FHA|USDA|VA) 16 $3,130,000 $195,625 $3,235 2.97%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 6 $2,950,000 $491,667 $7,076 2.94%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 9 $2,825,000 $313,889 $3,906 2.99%
    JACKSONVILLE, FL (FHA|USDA|VA) 7 $2,645,000 $377,857 $4,787 3.29%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 9 $2,405,000 $267,222 $2,862 2.68%
    RICHMOND, VA (FHA|USDA|VA) 6 $2,310,000 $385,000 $3,005 2.77%
    BOWLING GREEN, KY (FHA|USDA|VA) 9 $2,225,000 $247,222 $2,895 2.93%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 8 $2,050,000 $256,250 $3,914 2.91%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 6 $2,040,000 $340,000 $4,055 2.65%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 7 $1,995,000 $285,000 $7,412 2.50%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 7 $1,995,000 $285,000 $3,729 2.88%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 9 $1,985,000 $220,556 $2,578 2.69%
    ASHEVILLE, NC (FHA|USDA|VA) 6 $1,980,000 $330,000 $4,902 3.06%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 7 $1,965,000 $280,714 $2,637 2.79%
    OWENSBORO, KY (FHA|USDA|VA) 10 $1,680,000 $168,000 $2,933 2.81%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,670,000 $417,500 $4,316 2.97%
    Danville, KY (FHA|USDA|VA) 8 $1,600,000 $200,000 $3,183 2.91%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 5 $1,585,000 $317,000 $5,309 2.70%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 7 $1,575,000 $225,000 $3,385 2.68%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 8 $1,570,000 $196,250 $2,637 2.94%
    HUNTSVILLE, AL (FHA|USDA|VA) 8 $1,550,000 $193,750 $2,866 2.90%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 6 $1,470,000 $245,000 $3,824 2.83%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $1,400,000 $350,000 $3,369 3.29%
    COLUMBUS, OH (FHA|USDA|VA) 7 $1,385,000 $197,857 $3,906 2.82%
    COLUMBIA, SC (FHA|USDA|VA) 6 $1,350,000 $225,000 $2,941 2.63%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 6 $1,310,000 $218,333 $2,703 2.69%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 8 $1,300,000 $162,500 $2,395 3.16%
    Mount Sterling, KY (FHA|USDA|VA) 4 $1,300,000 $325,000 $3,054 3.41%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $1,285,000 $257,000 $2,911 2.68%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $1,280,000 $213,333 $4,206 2.92%
    PITTSBURGH, PA (FHA|USDA|VA) 5 $1,265,000 $253,000 $4,530 3.05%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $1,170,000 $292,500 $2,458 2.78%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $1,155,000 $385,000 $2,973 3.04%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 7 $1,155,000 $165,000 $3,729 2.82%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $1,125,000 $1,125,000 $5,127 3.25%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $1,065,000 $213,000 $2,399 2.73%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $1,060,000 $265,000 $2,082 2.59%
    WINSTON-SALEM, NC (FHA|USDA|VA) 4 $1,040,000 $260,000 $4,147 2.72%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 4 $960,000 $240,000 $3,886 3.75%
    Sevierville, TN (FHA|USDA|VA) 2 $940,000 $470,000 $5,134 3.56%
    LYNCHBURG, VA (FHA|USDA|VA) 3 $925,000 $308,333 $3,259 2.88%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $865,000 $288,333 $2,138 2.67%
    Georgetown, SC (FHA|USDA|VA) 2 $850,000 $425,000 $3,786 2.63%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $810,000 $405,000 $9,269 2.06%
    MOBILE, AL (FHA|USDA|VA) 3 $805,000 $268,333 $4,969 2.75%
    WILMINGTON, NC (FHA|USDA|VA) 2 $760,000 $380,000 $3,226 3.31%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $725,000 $241,667 $5,216 2.71%
    LANCASTER, PA (FHA|USDA|VA) 3 $715,000 $238,333 $5,301 3.00%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $695,000 $231,667 $2,882 2.96%
    SPRINGFIELD, MO (FHA|USDA|VA) 4 $690,000 $172,500 $2,167 2.88%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $690,000 $345,000 $2,825 3.19%
    OCALA, FL (FHA|USDA|VA) 4 $680,000 $170,000 $2,816 3.03%
    JACKSON, MS (FHA|USDA|VA) 2 $670,000 $335,000 $2,669 3.00%
    VALLEJO, CA (FHA|USDA|VA) 2 $660,000 $330,000 $6,229 3.00%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $655,000 $655,000 $6,382 3.50%
    Brevard, NC (FHA|USDA|VA) 2 $650,000 $325,000 $3,179 3.14%
    COLUMBUS, IN (FHA|USDA|VA) 1 $645,000 $645,000 $4,630 2.88%
    SAVANNAH, GA (FHA|USDA|VA) 3 $635,000 $211,667 $2,828 2.96%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $625,000 $625,000 $6,283 3.13%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $600,000 $300,000 $4,017 2.81%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $590,000 $295,000 $4,650 2.69%
    THE VILLAGES, FL (FHA|USDA|VA) 3 $585,000 $195,000 $3,794 2.75%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $585,000 $195,000 $2,865 3.29%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $575,000 $191,667 $1,995 2.50%
    AKRON, OH (FHA|USDA|VA) 3 $555,000 $185,000 $3,297 2.83%
    SPARTANBURG, SC (FHA|USDA|VA) 3 $545,000 $181,667 $3,840 3.08%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $545,000 $545,000 $2,979 2.25%
    MADISON, WI (FHA|USDA|VA) 3 $535,000 $178,333 $2,897 2.92%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $525,000 $525,000 $2,574 2.88%
    Cullowhee, NC (FHA|USDA|VA) 3 $505,000 $168,333 $3,783 2.67%
    Madison, IN (FHA|USDA|VA) 3 $505,000 $168,333 $3,871 2.42%
    LAFAYETTE, LA (FHA|USDA|VA) 2 $490,000 $245,000 $2,465 3.00%
    NEW BERN, NC (FHA|USDA|VA) 1 $485,000 $485,000 $5,340 3.13%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $475,000 $475,000 $2,855 3.50%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $465,000 $465,000 $3,112 2.88%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $450,000 $225,000 $3,683 3.00%
    Wapakoneta, OH (FHA|USDA|VA) 1 $425,000 $425,000 $9,867 3.25%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $420,000 $210,000 $4,869 3.06%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $410,000 $205,000 $3,799 3.06%
    CLEVELAND, TN (FHA|USDA|VA) 1 $405,000 $405,000 $3,133 3.50%
    McMinnville, TN (FHA|USDA|VA) 1 $405,000 $405,000 $3,820 3.00%
    DALTON, GA (FHA|USDA|VA) 1 $395,000 $395,000 $3,074 2.25%
    BOULDER, CO (FHA|USDA|VA) 1 $395,000 $395,000 $0 2.99%
    YORK-HANOVER, PA (FHA|USDA|VA) 2 $390,000 $195,000 $4,908 2.38%
    Waycross, GA (FHA|USDA|VA) 1 $365,000 $365,000 $1,965 3.00%
    READING, PA (FHA|USDA|VA) 1 $335,000 $335,000 $3,459 2.38%
    Branson, MO (FHA|USDA|VA) 1 $335,000 $335,000 $2,449 2.88%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $330,000 $165,000 $2,911 2.88%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $325,000 $325,000 $4,069 3.00%
    BATON ROUGE, LA (FHA|USDA|VA) 2 $320,000 $160,000 $3,413 3.13%
    Cookeville, TN (FHA|USDA|VA) 2 $320,000 $160,000 $2,035 3.00%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $315,000 $315,000 $1,805 2.88%
    Pottsville, PA (FHA|USDA|VA) 2 $310,000 $155,000 $3,828 3.06%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $305,000 $305,000 $3,177 3.00%
    BAY CITY, MI (FHA|USDA|VA) 1 $305,000 $305,000 $3,133 3.63%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $295,000 $295,000 $2,277 3.00%
    Columbus, MS (FHA|USDA|VA) 1 $285,000 $285,000 $3,003 2.25%
    GADSDEN, AL (FHA|USDA|VA) 1 $285,000 $285,000 $2,674 2.88%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $285,000 $285,000 $1,925 2.75%
    Lewisburg, PA (FHA|USDA|VA) 2 $280,000 $140,000 $7,436 2.75%
    Glasgow, KY (FHA|USDA|VA) 2 $270,000 $135,000 $2,392 2.69%
    Tiffin, OH (FHA|USDA|VA) 1 $265,000 $265,000 $7,420 2.50%
    Mount Vernon, OH (FHA|USDA|VA) 1 $265,000 $265,000 $3,719 3.00%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $260,000 $130,000 $3,556 3.44%
    Laurinburg, NC (FHA|USDA|VA) 1 $255,000 $255,000 $2,760 2.88%
    Crossville, TN (FHA|USDA|VA) 1 $245,000 $245,000 $2,174 2.88%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $245,000 $245,000 $5,251 3.50%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $245,000 $245,000 $3,881 2.25%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $245,000 $245,000 $9,672 2.75%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $245,000 $245,000 $5,071 3.25%
    ROANOKE, VA (FHA|USDA|VA) 1 $235,000 $235,000 $2,217 3.00%
    London, KY (FHA|USDA|VA) 1 $225,000 $225,000 $4,262 3.00%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $225,000 $225,000 $3,435 2.25%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $215,000 $215,000 $2,192 2.38%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $205,000 $205,000 $2,037 2.50%
    TOLEDO, OH (FHA|USDA|VA) 1 $205,000 $205,000 $2,305 2.75%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,412 2.50%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $205,000 $205,000 $4,537 2.50%
    LONGVIEW, WA (FHA|USDA|VA) 1 $205,000 $205,000 $2,729 2.75%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $205,000 $205,000 $2,240 3.13%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $205,000 $205,000 $1,865 2.50%
    YUMA, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $4,544 2.88%
    St. Marys, GA (FHA|USDA|VA) 1 $195,000 $195,000 $5,464 2.75%
    MEDFORD, OR (FHA|USDA|VA) 1 $195,000 $195,000 $5,911 2.63%
    Jefferson, GA (FHA|USDA|VA) 1 $195,000 $195,000 $4,099 3.63%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $195,000 $195,000 $2,632 2.88%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $195,000 $195,000 $3,552 3.13%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $195,000 $195,000 $1,937 3.00%
    Starkville, MS (FHA|USDA|VA) 1 $195,000 $195,000 $4,066 2.75%
    Maysville, KY (FHA|USDA|VA) 1 $185,000 $185,000 $2,025 2.75%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $185,000 $185,000 $5,069 2.50%
    MODESTO, CA (FHA|USDA|VA) 1 $185,000 $185,000 $2,022 2.88%
    FLINT, MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,138 3.00%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,325 2.50%
    CORVALLIS, OR (FHA|USDA|VA) 1 $185,000 $185,000 $2,740 2.25%
    Athens, OH (FHA|USDA|VA) 1 $185,000 $185,000 $5,573 2.88%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,127 2.88%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $185,000 $185,000 $1,937 3.38%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $175,000 $175,000 $2,062 3.13%
    Aberdeen, WA (FHA|USDA|VA) 1 $175,000 $175,000 $2,088 3.00%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $165,000 $165,000 $2,812 2.38%
    Somerset, KY (FHA|USDA|VA) 1 $165,000 $165,000 $2,625 2.88%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $165,000 $165,000 $2,628 2.88%
    SALEM, OR (FHA|USDA|VA) 1 $165,000 $165,000 $3,535 2.13%
    STAUNTON, VA (FHA|USDA|VA) 1 $155,000 $155,000 $1,754 2.25%
    SUMTER, SC (FHA|USDA|VA) 1 $155,000 $155,000 $1,473 2.38%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,019 3.25%
    Scottsburg, IN (FHA|USDA|VA) 2 $150,000 $75,000 $2,582 3.13%
    Vidalia, GA (FHA|USDA|VA) 1 $145,000 $145,000 $2,519 2.25%
    Central City, KY (FHA|USDA|VA) 1 $145,000 $145,000 $2,715 3.38%
    Salem, OH (FHA|USDA|VA) 1 $145,000 $145,000 $3,697 3.25%
    ROME, GA (FHA|USDA|VA) 1 $135,000 $135,000 $6,091 3.38%
    TERRE HAUTE, IN (FHA|USDA|VA) 2 $130,000 $65,000 $4,336 3.38%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $125,000 $125,000 $2,413 3.00%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,028 2.38%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $115,000 $115,000 $4,990 2.88%
    Washington, NC (FHA|USDA|VA) 1 $115,000 $115,000 $2,844 2.63%
    ERIE, PA (FHA|USDA|VA) 3 $115,000 $38,333 $3,555 2.63%
    Shelbyville, TN (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.75%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $105,000 $105,000 $1,867 2.63%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $4,887 2.13%
    Campbellsville, KY (FHA|USDA|VA) 1 $105,000 $105,000 $2,039 3.00%
    Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $105,000 $105,000 $2,358 2.63%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $85,000 $85,000 $1,949 2.50%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $65,000 $65,000 $3,895 3.63%
    North Vernon, IN (FHA|USDA|VA) 1 $55,000 $55,000 $2,853 3.00%
    Paducah, KY-IL (FHA|USDA|VA) 1 $55,000 $55,000 $1,856 3.00%
    Republic Bank & Trust Company's top markets include Louisville, Lexington, Tampa, Nashville, 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 4,012 $1,005,060,000 $250,513 $3,051 3.00%
    HELOC 680 $88,910,000 $130,750 n/a 3.51%
    FHA 116 $20,080,000 $173,103 $5,846 3.15%
    VA 65 $15,465,000 $237,923 $4,528 2.69%
    USDA 14 $2,500,000 $178,571 $4,584 2.74%

    For 2021, Republic Bank & Trust Company's most frequently originated type of loan was Conventional, with 4,012 originations. Their 2nd most popular type was HELOC, with 680 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,604 $435,580,000 $271,559 $3,419 3.16%
    Refi 1,485 $368,285,000 $248,003 $2,898 2.80%
    Cash Out Refi 1,192 $258,560,000 $216,913 $3,248 3.02%
    Other 349 $44,515,000 $127,550 $2,700 3.52%
    Home Improvement 257 $25,075,000 $97,568 $1,909 3.59%

    For 2021, Republic Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 1,604 originations. The 2nd most popular reason was Refi, with 1,485 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,651 $663,695,000 $250,356 $3,436 3.09%
    10 Year 1,135 $236,595,000 $208,454 $1,531 3.43%
    15 Year 785 $156,905,000 $199,879 $2,869 2.49%
    20 Year 208 $39,100,000 $187,981 $2,583 2.94%
    Other 57 $18,085,000 $317,281 $2,702 2.96%
    1 Year 26 $9,210,000 $354,231 $1,645 3.69%
    5 Year 20 $1,800,000 $90,000 $440 2.29%
    3 Year 3 $4,295,000 $1,431,667 $0 3.70%
    30+ year 2 $2,330,000 $1,165,000 $6,079 3.50%

    For 2021, Republic Bank & Trust Company's most frequently cited loan duration was 30 Year, with 2,651 originations. The 2nd most popular length was 10 Year, with 1,135 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,248 $530,220,000 $235,863
    $1k-2k 1,205 $233,785,000 $194,012
    $2k-3k 226 $60,500,000 $267,699
    $3k-4k 96 $30,780,000 $320,625
    $5k+ 69 $25,815,000 $374,130
    $4k-5k 62 $15,680,000 $252,903

    Republic Bank & Trust Company's average total fees were $3,436, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,248 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,061 $459,525,000 $222,962
    2.5-3% 1,909 $502,765,000 $263,366
    <2.5% 723 $148,475,000 $205,360
    4-5% 191 $21,065,000 $110,288
    5-6% 3 $185,000 $61,667

    During 2021, Republic Bank & Trust Company's average interest rate for loans was 3.09%, while their most frequently originated rate bucket for loans was 3-4%, with 2,061 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,848 $276,040,000 $149,372 $2,929 3.02%
    $200k-400k 1,537 $419,285,000 $272,794 $3,379 2.98%
    $100,000 or less 942 $55,030,000 $58,418 $2,074 3.32%
    $400k-600k 383 $185,795,000 $485,104 $4,322 2.96%
    $600k-1MM 108 $79,290,000 $734,167 $5,590 3.10%
    $1MM+ 69 $116,575,000 $1,689,493 $6,572 3.28%

    2021 saw Republic Bank & Trust Company place emphasis on $100k-200k loans with 1,848 originations, totaling $276,040,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,018 $165,430,000 $162,505 $2,940 3.04%
    $100k-150k 880 $205,440,000 $233,455 $3,259 3.01%
    $50k or less 880 $103,940,000 $118,114 $2,679 3.20%
    $75k-100k 666 $133,460,000 $200,390 $3,254 2.97%
    $150k-250k 631 $174,605,000 $276,712 $3,611 3.06%
    $250k+ 416 $183,230,000 $440,457 $4,243 3.08%

    Republic Bank & Trust Company lent most frequently to those with incomes in the $50k-75k range, with 1,018 originations. The second most popular income band? $100k-150k, with 880 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,251 $270,265,000 $216,039 $3,034 2.99%
    30-36% 875 $190,015,000 $217,160 $3,158 3.11%
    <20% 628 $143,740,000 $228,885 $3,023 2.90%
    42% 178 $37,360,000 $209,888 $3,216 3.14%
    40% 174 $32,830,000 $188,678 $3,070 3.15%
    38% 173 $35,705,000 $206,387 $3,175 3.17%
    37% 160 $33,900,000 $211,875 $3,443 3.08%
    39% 157 $31,505,000 $200,669 $3,297 3.17%
    41% 151 $32,765,000 $216,987 $3,177 3.11%
    36% 145 $29,525,000 $203,621 $3,021 3.14%
    44% 130 $26,480,000 $203,692 $3,064 3.18%
    43% 122 $24,640,000 $201,967 $3,242 3.15%
    45% 102 $21,870,000 $214,412 $3,330 3.01%
    47% 82 $17,810,000 $217,195 $3,568 3.02%
    46% 78 $15,830,000 $202,949 $3,195 3.01%
    49% 72 $16,040,000 $222,778 $3,602 3.03%
    48% 60 $12,000,000 $200,000 $3,708 3.04%
    50-60% 33 $8,295,000 $251,364 $5,219 3.02%
    >60% 2 $370,000 $185,000 $4,554 3.25%

    Republic Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 1,251 originations. The next most common DTI ratio? 30-36%, with 875 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,723 $805,745,000 $216,424 $3,129 3.03%
    Not applicable 234 $129,810,000 $554,744 $0 3.37%
    Not provided 355 $82,645,000 $232,803 $3,474 3.02%
    Black 396 $67,870,000 $171,389 $3,043 3.35%
    Asian 109 $29,045,000 $266,468 $3,570 2.89%
    Asian Indian 29 $9,315,000 $321,207 $4,036 3.02%
    American Indian 17 $2,845,000 $167,353 $2,949 3.29%
    Other Asian 9 $2,205,000 $245,000 $3,362 2.96%
    Vietnamese 5 $905,000 $181,000 $3,124 2.83%
    Korean 3 $515,000 $171,667 $3,455 2.67%
    3 $455,000 $151,667 $2,828 3.42%
    Chinese 1 $245,000 $245,000 $4,149 2.75%
    Other Pacific Islander 1 $225,000 $225,000 $1,882 3.00%
    Japanese 1 $125,000 $125,000 $2,618 2.75%
    Native Hawaiian or Islander 1 $65,000 $65,000 $0 3.25%

    Approval Rates

    Total approvals of all applications
    93.68%

    Republic Bank & Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    56.58%

    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 4,887 $1,132,015,000 $231,638

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,887 $1,132,015,000 $231,638

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 575 $90,665,000 $157,678 $2,785 3.02%
    40-60% 984 $231,970,000 $235,742 $2,970 2.85%
    60-80% 1,686 $464,540,000 $275,528 $3,294 3.02%
    80-100% 1,147 $312,005,000 $272,018 $3,507 3.14%
    Over 100% 11 $4,365,000 $396,818 $9,532 2.87%
    Under 20% 468 $24,820,000 $53,034 $712 3.59%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Republic Bank & Trust Company 1300 N. Westshore Blvd. Tampa, FL 33607 Full Service B&M $57,918
    Republic Bank & Trust Company 10100 Brookridge Village Blvd Louisville, KY 40291 Full Service B&M $83,062
    Republic Bank & Trust Company 10577 State Road 54 New Port Richey, FL 34655 Full Service B&M $70,313
    Republic Bank & Trust Company 113 Seaboard Lane Franklin, TN 37067 Full Service B&M $39,649
    Republic Bank & Trust Company 11330 Main Street Middletown, KY 40243 Full Service B&M $121,728
    Republic Bank & Trust Company 12933 Walsingham Road Largo, FL 33774 Full Service B&M $32,666
    Republic Bank & Trust Company 1420 Poplar Level Road Louisville, KY 40213 Full Service B&M $69,740
    Republic Bank & Trust Company 1720 West Broadway Louisville, KY 40203 Full Service B&M $9,832
    Republic Bank & Trust Company 2034 Richard Jones Road Nashville, TN 37215 Full Service B&M $31,179
    Republic Bank & Trust Company 2401 Harrodsburg Road Lexington, KY 40504 Full Service B&M $176,975
    Republic Bank & Trust Company 25 Town Center Blvd., Suite 101 Crestview Hills, KY 41017 Full Service B&M $52,071
    Republic Bank & Trust Company 2801 Bardstown Road Louisville, KY 40205 Full Service B&M $112,350
    Republic Bank & Trust Company 3001 Charlestown Crossing Way Ste 5 New Albany, IN 47150 Full Service B&M $52,723
    Republic Bank & Trust Company 3098 Helmsdale Lexington, KY 40509 Full Service B&M $56,295
    Republic Bank & Trust Company 3141 Highway 62 Jeffersonville, IN 47130 Full Service B&M $45,918
    Republic Bank & Trust Company 333 West Vine Street, Suite 10240507 Lexington, KY 40507 Full Service Retail $87,556
    Republic Bank & Trust Company 35 Village Plaza Shelbyville, KY 40065 Full Service B&M $95,921
    Republic Bank & Trust Company 3608 Walden Drive Lexington, KY 40517 Full Service B&M $51,312
    Republic Bank & Trust Company 3726 Lexington Road Louisville, KY 40207 Full Service B&M $90,551
    Republic Bank & Trust Company 3811 Ruckriegel Pkwy Louisville, KY 40299 Full Service B&M $76,584
    Republic Bank & Trust Company 3902 Taylorsville Road Louisville, KY 40220 Full Service B&M $52,739
    Republic Bank & Trust Company 3950 Kresge Way St. Matthews, KY 40207 Full Service B&M $42,330
    Republic Bank & Trust Company 4030 Smith Road Cincinnati, OH 45209 Full Service B&M $131,200
    Republic Bank & Trust Company 430 Connector Road Georgetown, KY 40324 Full Service B&M $25,755
    Republic Bank & Trust Company 438 Highway 44 East Shepherdsville, KY 40165 Full Service B&M $46,473
    Republic Bank & Trust Company 4571 Duffy Road Floyds Knobs, IN 47119 Full Service B&M $30,059
    Republic Bank & Trust Company 4808 Outer Loop Louisville, KY 40219 Full Service B&M $73,775
    Republic Bank & Trust Company 4921 Old Brownsboro Road Louisville, KY 40222 Full Service B&M $88,587
    Republic Bank & Trust Company 5125 New Cut Road Louisville, KY 40214 Full Service B&M $31,289
    Republic Bank & Trust Company 5320 Dixie Highway Louisville, KY 40216 Full Service B&M $71,856
    Republic Bank & Trust Company 535 Madison Ave. Covington, KY 41011 Full Service B&M $77,483
    Republic Bank & Trust Company 601 West Market Street Louisville, KY 40202 Full Service B&M $780,807
    Republic Bank & Trust Company 6300 4th Street North Saint Petersburg, FL 33702 Full Service B&M $207,797
    Republic Bank & Trust Company 641 East Euclid Ave Lexington, KY 40502 Full Service B&M $42,839
    Republic Bank & Trust Company 6600 Central Avenue Saint Petersburg, FL 33707 Full Service B&M $86,332
    Republic Bank & Trust Company 661 South Hurstborne Parkway Louisville, KY 40223 Full Service B&M $1,432,705
    Republic Bank & Trust Company 6906 East Fowler Avenue Tampa, FL 33617 Full Service B&M $41,929
    Republic Bank & Trust Company 7800 Seminole Boulevard Seminole, FL 33772 Full Service B&M $52,842
    Republic Bank & Trust Company 8513 Ushwy 42 Florence, KY 41042 Full Service B&M $46,263
    Republic Bank & Trust Company 9101 Ushwy 42 Prospect, KY 40059 Full Service B&M $101,153
    Republic Bank & Trust Company 9110 West Chester Towne Centre Drive West Chester, OH 45069 Full Service B&M $14,110
    Republic Bank & Trust Company 9600 Brownsboro Rd Louisville, KY 40241 Full Service B&M $210,512

    For 2021, Republic Bank & Trust Company had 42 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $226,064
    Net interest income $220,904
    Total noninterest income $90,158
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $12,486
    Trading account gains and fees $61
    Additional Noninterest Income $77,611
    Pre-tax net operating income $109,844
    Securities gains (or losses, -) $-69
    Income before extraordinary items $85,984
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $85,984
    Minority interest net income $0
    Net income $85,984
    Sale, conversion, retirement of capital stock, net $2,786
    Net operating income $86,038

    Republic Bank & Trust Company's gross interest income from loans was $226,064,000.
    Republic Bank & Trust Company's net interest income from loans was $220,904,000.
    Republic Bank & Trust Company's fee based income from loans was $12,486,000.
    Republic Bank & Trust Company's net income from loans was $85,984,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,160
    Provision for credit losses $14,871
    Total noninterest expense $186,347
    Salaries and employee benefits $109,712
    Premises and equipment expense $19,197
    Additional noninterest expense $57,438
    Applicable income taxes $23,791
    Net charge-offs $11,429
    Cash dividends $26,800

    Republic Bank & Trust Company's interest expense for loans was $5,160,000.
    Republic Bank & Trust Company's payroll and benefits expense were $109,712,000.
    Republic Bank & Trust Company's property, plant and equipment expenses $19,197,000.

    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 $4,857,301
    Deposits held in domestic offices $4,857,301
    Deposits by Individuals, partnerships, and corporations $4,779,581
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $46,104
    Deposits by Commercial banks and other depository institutions in U.S. $31,616
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $401,929
    Demand deposits $366,707
    Nontransaction accounts $4,455,372
    Money market deposit accounts (MMDAs) $3,757,126
    Other savings deposits (excluding MMDAs) $402,034
    Total time deposits $296,213
    Total time and savings deposits $4,490,594
    Noninterest-bearing deposits $2,007,362
    Interest-bearing deposits $2,849,939
    Retail deposits $4,458,095
    IRAs and Keogh plan accounts $47,002
    Brokered deposits $320,907
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $6,088,408
    Cash & Balances due from depository institutions $753,090
    Interest-bearing balances $641,164
    Total securities $538,198
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,484,301
    Loan and leases loss allowance $64,577
    Trading account assets $5,786
    Bank premises and fixed assets $74,498
    Other real estate owned $1,792
    Goodwill and other intangibles $25,496
    All other assets $205,247

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $6,088,408
    Total Liabilities $5,271,137
    Total deposits $4,857,301
    Interest-bearing deposits $2,849,939
    Deposits held in domestic offices $4,857,301
    % insured (estimated) $60
    Federal funds purchased and repurchase agreements $290,967
    Trading liabilities $298
    Other borrowed funds $64,672
    Subordinated debt $0
    All other liabilities $57,899

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,484,301
    Loan and leases loss allowance $64,577
    Total loans and leases (domestic) $4,548,878
    All real estate loans $2,952,371
    Real estate loans in domestic offices $2,952,371
    Construction and development loans $129,337
    Residential 1-4 family construction $13,549
    Other construction, all land development and other land $115,788
    Loans secured by nonfarm nonresidential properties $1,249,224
    Nonfarm nonresidential secured by owner-occupied properties $560,569
    Commercial real estate & other non-farm, non-residential $688,655
    Multifamily residential real estate $201,649
    1-4 family residential loans $1,367,025
    Farmland loans $5,136
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $403,782
    To non-U.S. addressees $0
    Loans to individuals $261,763
    Credit card loans $14,510
    Related Plans $78,026
    Consumer Auto Loans $14,448
    Other loans to individuals $154,779
    All other loans & leases $930,962
    Loans to foreign governments and official institutions $0
    Other loans $881,815
    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 $9,533
    Non 1-4 family restructured loans & leases $1,719
    Total loans and leases (foreign) $0

    Republic Bank & Trust Company had $4,484,301,000 of loans outstanding in 2021. $2,952,371,000 of loans were in real estate loans. $129,337,000 of loans were in development loans. $201,649,000 of loans were in multifamily mortgage loans. $1,367,025,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $14,510,000 of loans were in credit card loans. $14,448,000 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 1,416 $397,148 $280,472
    Nonfarm, nonresidential loans - <$100k 130 $5,840 $44,923
    Nonfarm, nonresidential loans - $100-250k 454 $55,685 $122,654
    Nonfarm, nonresidential loans - $250k-1MM 832 $335,623 $403,393
    Commercial & Industrial, US addressed loans - <$1MM 1,257 $173,376 $137,928
    Commercial & Industrial, US addressed loans - <$100k 500 $13,161 $26,322
    Commercial & Industrial, US addressed loans - $100-250k 401 $44,020 $109,776
    Commercial & Industrial, US addressed loans - $250k-1MM 356 $116,195 $326,390
    Farmland loans - <$1MM 12 $1,946 $162,167
    Farmland loans - <$100k 3 $146 $48,667
    Farmland loans - $100-250k 5 $552 $110,400
    Farmland loans - $250k-1MM 4 $1,248 $312,000