Republic Bank & Trust Company Mortgage Rates, Fees & Info
Louisville, KYLEI: X6T32LKEPUT8LQMW6755
Tax ID: 61-0197400
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Mortgage Data
Review & Overview
Republic Bank & Trust Company is a smaller bank specializing in Home Purchase 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.) Their top markets by origination volume include: Louisville, Lexington, Cincinnati, Tampa, and Nashville among others. We have data for 119 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.
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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
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This is not an official calculator from Republic Bank & Trust Company. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,348Origination Dollar Volume (All Markets)
$777,250,000Awards
Republic Bank & Trust Company - 2022
Republic Bank & Trust Company is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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) | 2,008 | $377,970,000 | $188,232 | $3,164 | 4.17% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 322 | $93,240,000 | $289,565 | $3,506 | 4.23% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 204 | $91,820,000 | $450,098 | $3,564 | 4.29% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 301 | $67,925,000 | $225,664 | $4,640 | 3.98% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 185 | $51,085,000 | $276,135 | $4,249 | 4.00% |
| Outside of Metro Areas | 28 | $7,060,000 | $252,143 | $4,179 | 4.10% |
| Frankfort, KY (FHA|USDA|VA) | 15 | $6,735,000 | $449,000 | $4,102 | 4.24% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 7 | $5,795,000 | $827,857 | $7,011 | 4.87% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $4,280,000 | $2,140,000 | $8,561 | 4.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 14 | $3,780,000 | $270,000 | $6,002 | 3.63% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 8 | $3,630,000 | $453,750 | $9,814 | 4.26% |
| Bardstown, KY (FHA|USDA|VA) | 18 | $2,910,000 | $161,667 | $4,765 | 4.63% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $2,565,000 | $855,000 | $0 | 3.93% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $2,390,000 | $398,333 | $5,529 | 4.69% |
| COLUMBUS, OH (FHA|USDA|VA) | 8 | $2,330,000 | $291,250 | $6,478 | 5.03% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $2,265,000 | $755,000 | $10,862 | 3.54% |
| Richmond-Berea, KY (FHA|USDA|VA) | 12 | $2,260,000 | $188,333 | $3,118 | 4.37% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 8 | $1,970,000 | $246,250 | $6,164 | 4.86% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 12 | $1,920,000 | $160,000 | $3,641 | 4.41% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $1,920,000 | $960,000 | $8,612 | 4.56% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 9 | $1,655,000 | $183,889 | $6,437 | 4.40% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 8 | $1,610,000 | $201,250 | $3,533 | 4.76% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $6,149 | 4.88% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 7 | $1,325,000 | $189,286 | $4,067 | 4.41% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $5,400 | 3.42% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $5,854 | 3.81% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $3,116 | 3.88% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $6,472 | 4.31% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $4,493 | 3.72% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $6,124 | 3.67% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $4,522 | 5.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $0 | 4.70% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $6,519 | 3.33% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $2,919 | 4.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $5,068 | 3.44% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $4,537 | 5.13% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $2,884 | 3.83% |
| Campbellsville, KY (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,305 | 5.06% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $6,721 | 3.50% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $3,147 | 4.25% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $5,089 | 4.50% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,763 | 4.56% |
| Danville, KY (FHA|USDA|VA) | 6 | $610,000 | $101,667 | $2,545 | 4.94% |
| OWENSBORO, KY (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $4,118 | 4.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $2,865 | 4.63% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,994 | 5.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $10,757 | 3.25% |
| Somerset, KY (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,384 | 4.69% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,775 | 4.63% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,402 | 3.50% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,054 | 5.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,226 | 3.31% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,315 | 6.63% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,567 | 3.63% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,010 | 3.19% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $10,314 | 4.38% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,701 | 5.25% |
| ROANOKE, VA (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,082 | 5.17% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $6,585 | 3.75% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,820 | 3.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 5.25% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,406 | 3.44% |
| Mount Sterling, KY (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $7,178 | 4.58% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,732 | 3.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,615 | 4.06% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,363 | 4.88% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 3.99% |
| Willmar, MN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,016 | 3.00% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,353 | 2.63% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,478 | 5.88% |
| Paducah, KY-IL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,473 | 3.88% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,934 | 4.13% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,290 | 4.88% |
| OCALA, FL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $7,958 | 3.65% |
| London, KY (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,541 | 3.56% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $9,885 | 5.69% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,161 | 5.50% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,429 | 4.25% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,013 | 4.38% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,129 | 5.25% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,439 | 5.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,559 | 4.88% |
| Madison, IN (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $2,102 | 6.13% |
| Seymour, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,982 | 3.50% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,007 | 2.88% |
| MADISON, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,489 | 4.50% |
| MERCED, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,971 | 3.50% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,386 | 5.13% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,774 | 4.00% |
| AKRON, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,283 | 2.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,775 | 4.75% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,570 | 5.25% |
| Athens, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,913 | 3.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,288 | 5.50% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,343 | 3.63% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,962 | 3.13% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,064 | 2.50% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,791 | 3.88% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,401 | 2.25% |
| New Castle, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,078 | 3.00% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,597 | 3.13% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,537 | 4.00% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,162 | 2.50% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,020 | 5.38% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,249 | 4.75% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,335 | 3.88% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,535 | 5.63% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,708 | 2.63% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,528 | 3.25% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,259 | 5.25% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.50% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,269 | 4.88% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,283 | 5.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,486 | 5.00% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,793 | 4.38% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,208 | 2.50% |
| ERIE, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,862 | 5.00% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,864 | 4.88% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 2.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against Republic Bank & Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2022, Republic Bank & Trust Company's most frequently originated type of loan was Conventional, with 1,924 originations. Their 2nd most popular type was HELOC, with 1,316 originations.
Loan Reason
For 2022, Republic Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 1,302 originations. The 2nd most popular reason was Other, with 717 originations.
Loan Duration/Length
For 2022, Republic Bank & Trust Company's most frequently cited loan duration was 10 Year, with 1,545 originations. The 2nd most popular length was 30 Year, with 1,352 originations.
Origination Fees/Closing Costs
Republic Bank & Trust Company's average total fees were $4,255, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,137 originations.
Interest Rates
During 2022, Republic Bank & Trust Company's average interest rate for loans was 4.69%, while their most frequently originated rate bucket for loans was 3-4%, with 1,117 originations.
Loan Sizing
2022 saw Republic Bank & Trust Company place emphasis on $100,000 or less loans with 1,107 originations, totaling $55,595,000 in origination value.
Applicant Income
Republic Bank & Trust Company lent most frequently to those with incomes in the $50k-75k range, with 622 originations. The second most popular income band? $100k-150k, with 618 originations.
Applicant Debt to Income Ratio
Republic Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 763 originations. The next most common DTI ratio? 30-36%, with 618 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.96%
Republic Bank & Trust Company has an average approval rate.
Pick Rate
Approvals leading to origination51.64%
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 | 3,348 | $777,250,000 | $232,154 |