We analyzed every closed loan from Republic Bank & Trust Company — 785 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and FHA loans
Explore another lender or local market
Report Card
Republic Bank & Trust Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+12.1 bps above market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
629 loans · 0.12% above market
Strong
Top 40% of lenders
4/5
FHA
118 loans · 0.28% above market
Strong
Top 40% of lenders
4/5
VA
19 loans · 0.61% below market
Sound
Top 60% of lenders
3/5
Jumbo
19 loans · 0.50% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
661 loans · 0.12% above market
Strong
Top 40% of lenders
4/5
Refinance
124 loans · 0.12% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 629 | 80.1% | +0.115%Above | $1,068Fees | ||||
FHA Loans | 118 | 15.0% | +0.279%Above | $1,107Fees | ||||
VA Loans | — | 19 | 2.4% | -0.606%Below | $330Fees | |||
Jumbo Loans | — | 19 | 2.4% | +0.499%Above | $1,226Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume629
Mix80.1%
Spread
+0.115%Above
Fees
$1,068Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume118
Mix15.0%
Spread
+0.279%Above
Fees
$1,107Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume19
Mix2.4%
Spread
-0.606%Below
Fees
$330Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume19
Mix2.4%
Spread
+0.499%Above
Fees
$1,226Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 661 | 84.2% | +0.120%Above | $974Fees | ||||
Refinance | 124 | 15.8% | +0.124%Above | $1,433Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume661
Mix84.2%
Spread
+0.120%Above
Fees
$974Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume124
Mix15.8%
Spread
+0.124%Above
Fees
$1,433Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
785
Applications
1,327
Volume
$235 million
Pricing & Closing
Avg Rate Spread
+0.121%
vs. market APOR
Avg Net Fees
$1,055
Origination − Credits
Pullthrough Rate
59.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$299,688
Avg Borrower Income
$142,400
Avg Property Value
$402,427
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
14Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast1
PA
Midwest4
ILINMIOH
South7
FLGAKYNCSCTNVA
West2
CACO
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.