Republic State Mortgage Co.: 2025 mortgage rates, costs & approvals
How Republic State Mortgage Co. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: REPUBLIC STATE MORTGAGE CO. · LEI 254900LKAJBFGO0IIP75
In 2025, Republic State Mortgage Co. originated 1,555 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 11 states — 326th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.375% (all lenders: 6.625%); its median rate spread was 9 basis points below the national median. Median conventional loan costs were $6,910, 24% higher than the national median ($5,570).
It denied 1.5% of completed home-purchase applications (all lenders: 8.5%).
How Republic State Mortgage Co. priced home-purchase loans
| Purchase loans, 2025 | Republic State Mortgage Co. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.375% | 6.625% |
| 30-year fixed rate · FHA | 5.875% | 6.250% |
| 30-year fixed rate · VA | 5.750% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.04 pts | +0.13 pts |
| Total loan costs · conventional | $6,910 | $5,570 |
| Total loan costs · FHA | $11,540 | $11,310 |
| Total loan costs · VA | $6,790 | $6,490 |
| Origination charges (all types) | $2,730 | $1,860 |
| Borrowers paying discount points | 71.6% | 51.3% |
| Points paid, when paid (% of loan) | 1.02% | 0.87% |
| Borrowers receiving lender credits | 48.8% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Republic State Mortgage Co. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Republic State Mortgage Co. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 1,090 | 1,105 | 1.4% | 5.990% | $8,240 |
| Kentucky | 244 | 250 | 2.2% | 6.500% | $5,570 |
| North Carolina | 93 | 93 | 0.0% | 6.625% | $7,190 |
| Ohio | 75 | 78 | 1.4% | 6.625% | $2,870 |
| Massachusetts | 36 | 37 | 3.3% | 6.625% | $5,260 |
| Georgia | 8 | 8 | — | — | — |
| New Hampshire | 4 | 4 | — | — | — |
| Connecticut | 2 | 2 | — | — | — |
| Florida | 1 | 1 | — | — | — |
| Maine | 1 | 1 | — | — | — |
| New Mexico | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Republic State Mortgage Co.'s page for that state.
Counties where Republic State Mortgage Co. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Breathitt County, KY | 2 | 3 | 14.3% |
| Presidio County, TX | 1 | 2 | 14.3% |
| Montgomery County, KY | 1 | 34 | 9.8% |
| Johnson County, KY | 3 | 14 | 8.9% |
| Clark County, KY | 3 | 36 | 6.7% |
| Tuscarawas County, OH | 4 | 55 | 6.5% |
| Powell County, KY | 6 | 8 | 6.0% |
| Bath County, KY | 7 | 4 | 4.5% |
| Robertson County, KY | 7 | 1 | 4.3% |
| Casey County, KY | 5 | 3 | 4.1% |
| Magoffin County, KY | 5 | 1 | 3.7% |
| Menifee County, KY | 8 | 2 | 3.3% |
| Lincoln County, KY | 8 | 7 | 2.8% |
| Boyle County, KY | 12 | 11 | 2.8% |
| Rowan County, KY | 9 | 4 | 2.6% |
Check Republic State Mortgage Co. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 254900LKAJBFGO0IIP75.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Republic State Mortgage Co. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology