# REPUBLIC STATE MORTGAGE CO.

> **Canonical URL:** https://saferate.com/lenders/republic-state-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


REPUBLIC STATE MORTGAGE CO. is a independent mortgage company, headquartered in HOUSTON, TX, serving borrowers across 8 states, with 1,164 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 55% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900LKAJBFGO0IIP75
- **Headquarters:** HOUSTON, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AL, CT, KY, MA, ME, NH, OH, TX
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.286%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,139
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,164
- **Dollar Volume:** $376 million
- **Applications Received:** 1,413
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $323,101
- **Average Borrower Income:** $138,145
- **Average Property Value:** $392,689

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 576 | +0.345% | $2,510 | Sound ☺️ |
| FHA | 76/100 | 468 | +0.259% | $1,548 | Strong 😀 |
| VA | 70/100 | 91 | -0.428% | $1,912 | Strong 😀 |
| Jumbo | 59/100 | 11 | +0.301% | $1,876 | Sound ☺️ |
| USDA | 50/100 | 18 | +0.959% | $2,897 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 536 loans, Score: 58/100 (Sound)
- Refinance: 40 loans, Score: 42/100 (Sound)

**FHA:**
- Purchase: 457 loans, Score: 76/100 (Strong)

**VA:**
- Purchase: 91 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 66/100 | 1,113 | $361M | +0.261% | Strong 😀 |
| Refinance | 42/100 | 51 | $15M | +0.595% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 781 | 0.22% | 80/100 |
| KY | 246 | 0.53% | 77/100 |
| OH | 77 | 0.06% | 57/100 |
| MA | 52 | 0.09% | 56/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dallas | TX | 309 | 79/100 |
| Non |  | 249 | 65/100 |
| Fort Worth | TX | 246 | 82/100 |
| Houston | TX | 125 | 66/100 |
| Austin | TX | 66 | 64/100 |
| Lexington | KY | 62 | 70/100 |
| Cambridge | MA | 45 | 58/100 |
| Canton | OH | 14 | 46/100 |

## Where This Lender Ranks

REPUBLIC STATE MORTGAGE CO. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Fort Worth for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Fort Worth for FHA Loans
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Fort Worth for VA Loans
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Fort Worth for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in Lexington for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Lexington for FHA Loans
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Lexington for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#6** in Lexington for VA Loans
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/va-loans)
- 🏆 **#7** in Lexington Mortgage Companies
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Kentucky for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in Texas for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in Fort Worth Mortgage Companies
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/mortgage-companies)
- 🏆 **#10** in Dallas for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Dallas for FHA Loans
  - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Kentucky for FHA Loans
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in Kentucky for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#14** in Texas for FHA Loans
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/fha-loans)
- 🏆 **#14** in Fort Worth
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders)
- 🏆 **#16** in Texas Mortgage Companies
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/mortgage-companies)
- 🏆 **#16** in Texas for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does REPUBLIC STATE MORTGAGE CO. offer?

REPUBLIC STATE MORTGAGE CO. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does REPUBLIC STATE MORTGAGE CO. offer mortgages?

REPUBLIC STATE MORTGAGE CO. offers mortgages in 8 states: AL, CT, KY, MA, ME, NH, OH, TX.

### How competitive are REPUBLIC STATE MORTGAGE CO.'s mortgage rates?

REPUBLIC STATE MORTGAGE CO. has a pricing score of 45/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.286% above market average.

### What type of lender is REPUBLIC STATE MORTGAGE CO.?

REPUBLIC STATE MORTGAGE CO. is a non-depository lender that specializes in mortgage origination, headquartered in HOUSTON, TX.

### What is REPUBLIC STATE MORTGAGE CO.'s loan approval success rate?

REPUBLIC STATE MORTGAGE CO. has a pull-through score of 71/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/republic-state-mortgage

### How to Cite

> "REPUBLIC STATE MORTGAGE CO. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/republic-state-mortgage

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