Republic State Mortgage Co. mortgage approval rate & lending review
Republic State Mortgage Co. decided 3,294 mortgage applications and funded 3,228 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Republic State Mortgage Co. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to republicstatemortgage.com.
Republic State Mortgage Co. at a glance
Approval is 11.0 points above the 87.1% 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 | 98% | 2,884 / 2,942 | 100% | $345K | 2,883 |
| Cash-out refinance | 96% | 27 / 28 | 100% | $235K | 27 |
| Refinance | 97% | 76 / 78 | 100% | $405K | 76 |
| Investment property purchase | 99% | 223 / 225 | 100% | $245K | 223 |
Republic State Mortgage Co. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 98% | $345K | 2,843 | 2,795 |
| Massachusetts | 92% | $445K | 170 | 156 |
| North Carolina | 100% | $405K | 87 | 87 |
| Kentucky | 97% | $265K | 74 | 72 |
| Louisiana | 100% | $225K | 48 | 48 |
| Ohio | 100% | $175K | 40 | 40 |
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 State Mortgage Co. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Tarrant County, TX | Mortgage lenders | 97% | 427 | 415 |
| Collin County, TX | Mortgage lenders | 97% | 352 | 343 |
| Denton County, TX | Mortgage lenders | 98% | 330 | 325 |
| Kaufman County, TX | Mortgage lenders | 97% | 184 | 179 |
| Johnson County, TX | Mortgage lenders | 99% | 106 | 105 |
| Essex County, MA | Mortgage lenders | 94% | 86 | 81 |
| Ellis County, TX | Mortgage lenders | 100% | 72 | 72 |
| Jefferson County, TX | Mortgage lenders | 98% | 62 | 61 |
| Rockwall County, TX | Mortgage lenders | 97% | 61 | 59 |
| Fayette County, KY | Mortgage lenders | 97% | 59 | 57 |
| Tarrant County, TX | Investment property purchase | 100% | 54 | 54 |
| Collin County, TX | Investment property purchase | 100% | 49 | 49 |
The county markets where Republic State Mortgage Co. made the most loans. Each link opens that market with every lender ranked.
Questions about Republic State Mortgage Co.
What is Republic State Mortgage Co.'s mortgage approval rate?
Republic State Mortgage Co. approved 98.1% of the 3,294 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.0 points above the 87.1% national rate for the same mix of loan types.
How often do borrowers take the loan Republic State Mortgage Co. offers?
Borrowers accepted 100% of the loans Republic State Mortgage Co. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Republic State Mortgage Co. make?
The typical home purchase mortgage loan Republic State Mortgage Co. made was $345K; across all loan types its typical loan ran from $235K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Republic State Mortgage Co. lend?
Republic State Mortgage Co. decided applications in 14 of the states Fat Boy Data covers, most of them in Texas, Massachusetts and North Carolina.
Can I apply to Republic State Mortgage Co. directly?
Yes. Republic State Mortgage Co. reports as a direct lender that takes applications from borrowers. Its website is republicstatemortgage.com.
Does this page show Republic State Mortgage Co.'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 State Mortgage Co. treats applications, then get a rate quote from the lender.