Republic Bank mortgage approval rate & lending review
Republic Bank decided 495 mortgage applications and funded 263 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Republic Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to republicbank.com.
Republic Bank at a glance
Approval is 18.4 points below the 73.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 77% | 130 / 168 | 98% | $225K | 128 |
| Home improvement loans | 40% | 94 / 238 | 96% | $75K | 90 |
| Refinance | 56% | 34 / 61 | 94% | $75K | 32 |
Republic Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 50% | $75K | 309 | 150 |
| Pennsylvania | 62% | $225K | 185 | 112 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Republic Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Atlantic County, NJ | Mortgage lenders | 68% | 31 | 21 |
| Burlington County, NJ | Home improvement loans | 42% | 43 | 18 |
| Camden County, NJ | Home improvement loans | 33% | 58 | 18 |
| Philadelphia County, PA | Home improvement loans | 39% | 51 | 18 |
| Gloucester County, NJ | Home improvement loans | 42% | 38 | 15 |
| Camden County, NJ | Refinance | 45% | 22 | 10 |
The county markets where Republic Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Republic Bank
What is Republic Bank's mortgage approval rate?
Republic Bank approved 54.9% of the 495 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 18.4 points below the 73.3% national rate for the same mix of loan types.
How often do borrowers take the loan Republic Bank offers?
Borrowers accepted 97% of the loans Republic Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Republic Bank make?
The typical home improvement loan loan Republic Bank made was $75K; across all loan types its typical loan ran from $75K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Republic Bank lend?
Republic Bank decided applications in 3 of the states Fat Boy Data covers, most of them in New Jersey, Pennsylvania and Florida.
Can I apply to Republic Bank directly?
Yes. Republic Bank reports as a direct lender that takes applications from borrowers. Its website is republicbank.com.
Does this page show Republic Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Republic Bank treats applications, then get a rate quote from the lender.