Republic State Mortgage in Kentucky vs the state
3.2%Denial rate-15.58 pts vs state
4.0%Decision denial rate-19.45 pts vs state
76.6%Origination rate+18.57 pts vs state
6.38%Median rate-0.38 pts vs state
0.41Rate spread (pts)+0.10 pts vs state
$75kMedian applicant income
285Loans originated
12Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 400 | 317 | 7.5% | 6.63% | #80 |
| 2024 | 360 | 284 | 2.8% | 6.75% | #90 |
| 2025 | 372 | 285 | 3.2% | 6.38% | #95 |
What Republic State Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Republic State Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 51 | 44 | 1 | 2.0% |
| Clark County | 43 | 36 | 1 | 2.3% |
| Franklin County | 26 | 15 | 1 | 3.8% |
| Fayette County | 24 | 22 | 0 | 0.0% |
| Johnson County | 17 | 15 | 0 | 0.0% |
| Scott County | 16 | 13 | 1 | 6.3% |
| Anderson County | 13 | 8 | 1 | 7.7% |
| Boyle County | 12 | 11 | 0 | 0.0% |
| Powell County | 12 | 11 | 1 | 8.3% |
| Madison County | 11 | 10 | 0 | 0.0% |
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: 372 applications in 2025, of which 285 were originated and 12 denied.
3.2% of all applications, or 4.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Republic State Mortgage originated in Kentucky in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Republic State Mortgage'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