Republic Bank & Trust Company
2,475 mortgages originated in 2025 across 5 states, and what they cost borrowers.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,475
- Median rate
- 5.990%
- Median lender fees
- $3,540
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $165,000
- Above the going rate (spread over APOR)
- -0.392
- Paid discount points
- 12.3%
- Received lender credits
- 21.2%
- Purchases / refinances
- 39.6% / 22.5%
- Conventional / FHA / VA
- 94.2% / 4.5% / 1.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 52.9% of loans here — see methodology.
Where Republic Bank & Trust Company lent
States with at least 50 loans in 2025, ranked by volume.