Republic Bank & Trust in Kentucky vs the state
8.3%Denial rate-10.50 pts vs state
10.9%Decision denial rate-12.56 pts vs state
66.7%Origination rate+8.67 pts vs state
6.00%Median rate-0.75 pts vs state
-0.22Rate spread (pts)-0.53 pts vs state
$99kMedian applicant income
1,477Loans originated
184Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,658 | 1,693 | 6.2% | 6.13% | #11 |
| 2024 | 2,168 | 1,348 | 12.4% | 6.99% | #16 |
| 2025 | 2,214 | 1,477 | 8.3% | 6.00% | #18 |
What Republic Bank & Trust lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Republic Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 1,170 | 782 | 102 | 8.7% |
| Fayette County | 299 | 207 | 18 | 6.0% |
| Oldham County | 114 | 84 | 4 | 3.5% |
| Bullitt County | 111 | 70 | 12 | 10.8% |
| Kenton County | 81 | 53 | 8 | 9.9% |
| Shelby County | 74 | 45 | 5 | 6.8% |
| Scott County | 58 | 43 | 5 | 8.6% |
| Boone County | 42 | 28 | 6 | 14.3% |
| Campbell County | 36 | 28 | 5 | 13.9% |
| Jessamine County | 35 | 21 | 1 | 2.9% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 2,214 applications in 2025, of which 1,477 were originated and 184 denied.
8.3% of all applications, or 10.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Republic Bank & Trust originated in Kentucky in 2025 was 6.00%, against a statewide median of 6.75%.
About this data. Figures are Republic Bank & Trust's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology