Republic State Mortgage Co.
We analyzed every closed loan from Republic State Mortgage Co. — 1.2k 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
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 7 mkts
Awards
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
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Report Card
Republic State Mortgage Co. performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+28.6 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
USDA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 576 | 49.5% | +0.345%Above | $2,510Fees | ||||
FHA Loans | 468 | 40.2% | +0.259%Above | $1,548Fees | ||||
VA Loans | 91 | 7.8% | -0.428%Below | $1,912Fees | ||||
Jumbo Loans | — | — | 11 | 0.9% | +0.301%Above | $1,876Fees | ||
USDA Loans | — | 18 | 1.5% | +0.959%Above | $2,897Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume576
Mix49.5%
Spread
+0.345%Above
Fees
$2,510Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume468
Mix40.2%
Spread
+0.259%Above
Fees
$1,548Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume91
Mix7.8%
Spread
-0.428%Below
Fees
$1,912Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume11
Mix0.9%
Spread
+0.301%Above
Fees
$1,876Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume18
Mix1.5%
Spread
+0.959%Above
Fees
$2,897Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,113 | 95.6% | +0.261%Above | $2,095Fees | ||||
Refinance | 51 | 4.4% | +0.595%Above | $2,689Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,113
Mix95.6%
Spread
+0.261%Above
Fees
$2,095Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume51
Mix4.4%
Spread
+0.595%Above
Fees
$2,689Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,164
Applications
1,413
Volume
$376 million
Pricing & Closing
Avg Rate Spread
+0.286%
vs. market APOR
Avg Net Fees
$2,139
Origination − Credits
Pullthrough Rate
82.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$323,101
Avg Borrower Income
$138,145
Avg Property Value
$392,689
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
8Northeast4
CTMEMANH
Midwest1
OH
South3
ALKYTX
Top Metro Areas by Place Specialization Score
1© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 246Mix 21.13% of portfolio
82/100
Exceptional
Volume 309Mix 26.55% of portfolio
79/100
Strong
Volume 62Mix 5.33% of portfolio
70/100
Strong
Volume 125Mix 10.74% of portfolio
66/100
Strong
Volume 66Mix 5.67% of portfolio
64/100
Strong
Volume 45Mix 3.87% of portfolio
58/100
Sound
Volume 14Mix 1.20% of portfolio
46/100
SoundTop States by Place Specialization Score
1
TexasState
Volume 781Mix 67.10% of portfolio
80/100
Exceptional2
KentuckyState
Volume 246Mix 21.13% of portfolio
77/100
Strong3
OhioState
Volume 77Mix 6.62% of portfolio
57/100
Sound4
MassachusettsState
Volume 52Mix 4.47% of portfolio
56/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.