Lender profile · HMDA 2023–2025
Republic Bank & Trust Company mortgage approval rates & lending data
Republic Bank & Trust Company decided 5,344 mortgage applications and funded 4,647 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| South Carolina | 94% | $295K | 16 | 15 |
| North Carolina | 73% | $165K | 11 | 8 |
| Georgia | 90% | $775K | 10 | 9 |
| Virginia | 71% | $195K | 7 | 5 |
| California | 67% | $545K | 6 | 4 |
| Alabama | 100% | $605K | 5 | 5 |
| Illinois | 67% | $345K | 3 | 2 |
| Missouri | 67% | $205K | 3 | 2 |
| Louisiana | 100% | $245K | 2 | 2 |
| Arizona | 100% | $1.52M | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.