Republic Bank & Trust Company closing costs and rates (2024)
In 2024, Republic Bank & Trust Company originated 645 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $3,992. That ranks #539 nationally by origination volume. For total closing costs among lenders with 500+ originations, Republic Bank & Trust Company ranks #116. That is $2,749 below the national median of $6,741. Republic Bank & Trust Company is most active in Kentucky with 461 originations there.
Purchase Originations
645
Ranked #539 nationally
Median Total Costs
$3,992
−40.8% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,105
Median Lender Credits
$913
Cost Rank (500+ vol.)
#116
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 524 | 6.625% | $3,764 | $1,105 |
| fha | 104 | 6.250% | $8,320 | $2,595 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Kentucky | 461 | 6.625% | $3,965 | #22 |
| Florida | 53 | 6.250% | $4,637 | #320 |
| Indiana | 49 | 6.500% | $3,003 | — |
| Ohio | 44 | 6.625% | $4,140 | — |
| Tennessee | 20 | 6.188% | $4,315 | — |
| Georgia | 4 | 6.438% | $5,395 | — |
| California | 3 | 7.625% | $5,923 | — |
| North Carolina | 3 | 7.000% | $3,540 | — |
| South Carolina | 3 | 6.375% | $4,246 | — |
| Illinois | 2 | 5.875% | $4,802 | — |
| Alabama | 1 | 5.875% | $3,520 | — |
| Michigan | 1 | 6.125% | $3,183 | — |
| Virginia | 1 | 7.125% | $4,790 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,744 | 6.625% | — | 19 | −$1,248 | |
| 2 | $3,544 | 6.812% | — | 12 | −$448 | |
| 3 | $3,596 | 6.375% | — | 23 | −$396 | |
| 4 | $3,632 | 6.625% | — | 10 | −$360 | |
| 5 | $3,723 | 6.750% | — | 220 | −$269 | |
| 6 | $3,835 | 6.500% | — | 7 | −$157 | |
| 7 | $3,969 | 6.375% | — | 7 | −$23 | |
| 8 | $3,975 | 6.500% | — | 77 | −$17 | |
| 9 | $4,131 | 6.625% | — | 14 | +$139 | |
| 10 | $4,145 | 6.500% | — | 15 | +$153 | |
| 11 | $4,215 | 6.625% | — | 16 | +$223 | |
| 12 | $4,246 | 6.625% | — | 11 | +$254 | |
| 13 | $4,256 | 6.625% | — | 13 | +$264 | |
| 14 | $4,262 | 6.750% | — | 12 | +$270 | |
| 15 | $4,265 | 6.750% | — | 15 | +$273 | |
| 16 | $4,301 | 6.625% | — | 25 | +$309 | |
| 17 | $4,478 | 6.250% | — | 12 | +$486 | |
| 18 | $4,608 | 6.250% | — | 23 | +$616 | |
| 19 | $4,640 | 4.933% | — | 12 | +$648 | |
| 20 | $4,873 | 6.250% | — | 7 | +$881 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.