Republic Bank & Trust Company mortgage approval rate & lending review
Republic Bank & Trust Company decided 5,344 mortgage applications and funded 4,647 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Republic Bank & Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Republic Bank & Trust Company at a glance
Approval is 13.2 points above the 75.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 2,059 / 2,174 | 99% | $205K | 2,032 |
| Home improvement loans | 84% | 1,387 / 1,651 | 98% | $65K | 1,356 |
| Cash-out refinance | 83% | 901 / 1,080 | 98% | $125K | 887 |
| Refinance | 85% | 130 / 153 | 98% | $185K | 128 |
| Investment property purchase | 92% | 169 / 184 | 99% | $185K | 167 |
| Investment cash-out refinance | 79% | 22 / 28 | 100% | $145K | 22 |
| Investment refinance | 69% | 22 / 32 | 100% | $115K | 22 |
| Investment home improvement | 83% | 35 / 42 | 94% | $65K | 33 |
Republic Bank & Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 90% | $185K | 3,061 | 2,708 |
| Florida | 84% | $215K | 871 | 716 |
| Tennessee | 89% | $135K | 520 | 451 |
| Ohio | 86% | $195K | 505 | 425 |
| Indiana | 92% | $195K | 319 | 291 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Republic Bank & Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, KY | Mortgage lenders | 93% | 904 | 829 |
| Jefferson County, KY | Home improvement loans | 87% | 708 | 607 |
| Jefferson County, KY | Cash-out refinance | 87% | 471 | 406 |
| Fayette County, KY | Mortgage lenders | 98% | 334 | 324 |
| Clark County, IN | Mortgage lenders | 98% | 166 | 162 |
| Pinellas County, FL | Home improvement loans | 80% | 154 | 122 |
| Hamilton County, OH | Mortgage lenders | 92% | 133 | 119 |
| Hillsborough County, FL | Home improvement loans | 83% | 104 | 84 |
| Fayette County, KY | Cash-out refinance | 89% | 91 | 79 |
| Davidson County, TN | Mortgage lenders | 95% | 84 | 77 |
| Fayette County, KY | Home improvement loans | 81% | 90 | 71 |
| Hamilton County, OH | Home improvement loans | 80% | 85 | 67 |
The county markets where Republic Bank & Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Republic Bank & Trust Company
What is Republic Bank & Trust Company's mortgage approval rate?
Republic Bank & Trust Company approved 88.4% of the 5,344 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.2 points above the 75.3% national rate for the same mix of loan types.
How often do borrowers take the loan Republic Bank & Trust Company offers?
Borrowers accepted 98% of the loans Republic Bank & Trust Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Republic Bank & Trust Company make?
The typical home purchase mortgage loan Republic Bank & Trust Company made was $205K; across all loan types its typical loan ran from $65K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Republic Bank & Trust Company lend?
Republic Bank & Trust Company decided applications in 19 of the states Fat Boy Data covers, most of them in Kentucky, Florida and Tennessee.
Can I apply to Republic Bank & Trust Company directly?
Yes. Republic Bank & Trust Company is a bank or credit union with 48 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Republic Bank & Trust Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Republic Bank & Trust Company treats applications, then get a rate quote from the lender.