Purchase Originations
787
Ranked #460 nationally
Median Total Costs
$4,055
−39.3% vs national ($6,680)
↑ $63 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,205
Median Lender Credits
$716
Cost Rank (500+ vol.)
#115
among lenders with 500+ originations
Denial Rate
4.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 655 | 6.500% | $3,821 | $1,205 |
| fha | 103 | 6.125% | $9,187 | $2,287 |
| va | 29 | 6.125% | $3,702 | $110 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Kentucky | 446 | 6.500% | $3,980 | #22 |
| Florida | 100 | 5.875% | $5,022 | #230 |
| Indiana | 93 | 6.500% | $3,002 | #135 |
| Ohio | 71 | 6.375% | $4,070 | #163 |
| Tennessee | 61 | 6.125% | $4,735 | #169 |
| South Carolina | 4 | 6.375% | $4,837 | — |
| Virginia | 4 | 6.250% | $5,906 | — |
| Georgia | 2 | 6.812% | $5,529 | — |
| North Carolina | 2 | 5.500% | $3,970 | — |
| Louisiana | 1 | 6.000% | $5,150 | — |
| Michigan | 1 | 6.125% | $12,874 | — |
| Missouri | 1 | 6.500% | $3,416 | — |
| Pennsylvania | 1 | 7.000% | $6,935 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,900 | 6.625% | — | 51 | −$1,155 | |
| 2 | $2,921 | 6.375% | — | 29 | −$1,134 | |
| 3 | $3,600 | 6.750% | — | 14 | −$455 | |
| 4 | $3,665 | 6.500% | — | 17 | −$390 | |
| 5 | $3,788 | 6.500% | — | 91 | −$267 | |
| 6 | $3,853 | 6.500% | — | 197 | −$202 | |
| 7 | $3,895 | 6.438% | — | 38 | −$160 | |
| 8 | $4,026 | 6.500% | — | 17 | −$29 | |
| 9 | $4,158 | 6.500% | — | 17 | +$103 | |
| 10 | $4,368 | 6.188% | — | 12 | +$313 | |
| 11 | $4,621 | 4.250% | — | 11 | +$566 | |
| 12 | $4,682 | 6.625% | — | 10 | +$627 | |
| 13 | $4,756 | 4.250% | — | 9 | +$701 | |
| 14 | $4,782 | 6.125% | — | 29 | +$727 | |
| 15 | $4,976 | 4.250% | — | 39 | +$921 | |
| 16 | $5,069 | 5.750% | — | 37 | +$1,014 | |
| 17 | $5,335 | 6.625% | — | 19 | +$1,280 | |
| 18 | $6,101 | 6.625% | — | 9 | +$2,046 | |
| 19 | $6,280 | 6.438% | — | 12 | +$2,225 | |
| 20 | $7,197 | 6.375% | — | 12 | +$3,142 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Republic Bank & Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $4,055 | $7,127 | −$3,072 (−43.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.