Lenders › Republic Bank & Trust › Kentucky
Republic Bank & Trust in Kentucky
HMDA record for properties in Kentucky, calendar year 2024. National record · Kentucky overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Republic Bank & Trust's 2024 HMDA record for Kentucky covers 2,168 applications, 1,348 of them originated, worth $260m.
Its denial rate in the state was 16.3%, below the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 18.4%.
The median rate spread on its Kentucky originations was -0.1 percentage points (state median 0.4).
Applications in the state were down 18% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | Republic Bank & Trust, all states | United States |
|---|---|---|---|---|
| Denial rate | 16.3% | 25.0% | 18.4% | 24.3% |
| Median rate spread, pp | -0.1 | 0.4 | -0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.0% | 16.0% | 7.0% | 15.6% |
| Average originated loan | $193k | $219k | $214k | $329k |
| Home purchase share | 38.5% | 55.3% | 35.0% | 57.0% |
| FHA-insured share | 7.5% | 14.6% | 5.5% | 13.4% |
| VA-guaranteed share | 1.0% | 8.0% | 0.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 39% (519)Home improvement 25% (339)Refinancing 2% (23)Cash-out refinancing 16% (216)Other purpose 19% (251)
By type
Conventional 92% (1,234)FHA 7% (101)VA 1% (13)
Denial reasons as coded
Share of 268 denials in Kentucky by first denial reason coded (outlined bar: all lenders in the state).
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jefferson County | 1,165 | 729 | $122m | 16.6% |
| Fayette County | 256 | 169 | $38m | 10.4% |
| Oldham County | 98 | 69 | $20m | 9.1% |
| Bullitt County | 95 | 57 | $6.1m | 17.1% |
| Shelby County | 69 | 47 | $13m | 9.4% |
| Kenton County | 69 | 40 | $6.2m | 24.5% |
| Campbell County | 56 | 33 | $6.0m | 22.2% |
| Scott County | 59 | 26 | $5.8m | 35.7% |
| Boone County | 42 | 26 | $3.6m | 18.8% |
| Jessamine County | 30 | 24 | $7.3m | 7.7% |
| Spencer County | 30 | 20 | $3.4m | — |
| Franklin County | 27 | 19 | $11m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Republic Bank & Trust originate in Kentucky in 2024?
1,348 loans totalling $260m, from 2,168 applications reported for properties in Kentucky.
What is Republic Bank & Trust's denial rate in Kentucky?
16.3% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 18.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Kentucky counties does Republic Bank & Trust lend in most?
By originations: Jefferson County (729), Fayette County (169), Oldham County (69), Bullitt County (57), Shelby County (47).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Kentucky. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.