Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$3,540
median across reports
vs. National Average
45%
below national avg
Avg Origination Charge
$1,502
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $1,502 | $3,743 | 🟢 Below Avg |
| discount_points | $1,457 | $3,585 | 🟢 Below Avg |
| lender_credits | $997 | $1,150 | 🟢 Below Avg |
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Check My Loan Estimate — $19Based on 1,310 homebuyer-submitted Closing Disclosures, Republic Bank & Trust Company's median total closing costs are $3,540. This is about 45% below the $6,435 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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How to Read Your Closing Disclosure
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Average Closing Costs by State
Benchmark your costs against the state average.
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Aggregates from Republic Bank & Trust Company's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
787
Ranked #460 nationally
Median Total Costs
$4,055
−39.3% vs national ($6,680)
Median Rate
6.375%
−1.8% vs national (6.490%)
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 |
| This lender | Kentucky median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,980 | $5,007 | $6,680 |
| Interest Rate | 6.500% | 6.500% | 6.490% |
| Originations in state | 446 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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%) |
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 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 | — |