Applications / Mortgage Analytics / Lenders / Kentucky / Republic Bank & Trust Company
Louisville, KY · State non-member bank · FDIC · $7.0 billion assets · 2,475 loans in 2025
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2,475
loans originated, 2025
4,059
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Republic Bank & Trust Company is a Louisville bank whose lending is split among purchases, home improvement and refinancing, ranking sixth in Louisville and gaining share in Lexington.
Similar lenders are state non-member banks making between half and twice as many loans. Purchases were 39.6% of its loans, home improvement 22.6% and refinancing 22.5%. Its typical loan was $165,000 against $210,000, lower than about seven in ten similar lenders, which its large home-improvement share could explain.
LMI (low- and moderate-income) borrowers took 32.9% of its loans against 28.1%, higher than about three in four similar lenders, and up from 25.2% five years before. 18.7% of its loans were in LMI areas against 15.6%. Its share in majority-minority areas, 9.8%, was close to peers' 9.6%.
Its typical rate was 5.99% against 6.75%, among the lowest tenth of similar lenders, and higher-priced loans (a rate well above the average for similar loans) were 0.3% against 1.6%.
It ranks 6 of 510 in Louisville/Jefferson County, with 2.5% against 2.4% a year earlier, behind Stock Yards Bank & Trust Company at fourth. In Lexington-Fayette it ranks 11 of 389, where its share rose to 2.4% from 1.8%. Originations rose 13% to 2,475, close to similar lenders' 12%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Republic Bank & Trust Company took 4,059 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 39.6% · Home improvement 22.6% · Refinance 22.5% · Other 15.3%
Conventional 94.2% · FHA 4.5% · VA 1.3% · of 2,475 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 1,477 | 59.7% |
| Florida | 315 | 12.7% |
| Tennessee | 233 | 9.4% |
| Indiana | 220 | 8.9% |
| Ohio | 205 | 8.3% |
| South Carolina | 5 | 0.2% |
| Virginia | 5 | 0.2% |
| North Carolina | 3 | 0.1% |
| Alabama | 2 | 0.1% |
| Georgia | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 1,207 |
| Cincinnati | 314 |
| Lexington-Fayette | 285 |
| Nashville-Davidson--Murfreesboro--Franklin | 220 |
| Tampa | 155 |
| St. Petersburg-Clearwater-Largo | 135 |
| Elizabethtown | 8 |
| Miami-Miami Beach-Kendall | 7 |
| Owensboro | 5 |
| Indianapolis-Carmel-Greenwood | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | X6T32LKEPUT8LQMW6755 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 316840 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 323627 | 1990–2017 |
Established 11 January 1982. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Republic Bank & Trust Company's data.
Republic Bank & Trust Company's data
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Republic Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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