Republic State Mortgage in Texas vs the state
1.1%Denial rate-18.33 pts vs state
1.4%Decision denial rate-23.55 pts vs state
80.6%Origination rate+25.71 pts vs state
5.75%Median rate-0.75 pts vs state
-0.37Rate spread (pts)-0.56 pts vs state
$115kMedian applicant income
1,171Loans originated
16Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,317 | 1,078 | 2.4% | 6.38% | #123 |
| 2024 | 931 | 798 | 0.3% | 6.25% | #177 |
| 2025 | 1,453 | 1,171 | 1.1% | 5.75% | #133 |
What Republic State Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Republic State Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 340 | 299 | 7 | 2.1% |
| Bexar County | 150 | 107 | 0 | 0.0% |
| Harris County | 146 | 98 | 2 | 1.4% |
| Tarrant County | 100 | 90 | 3 | 3.0% |
| Denton County | 82 | 73 | 0 | 0.0% |
| Fort Bend County | 70 | 33 | 0 | 0.0% |
| Williamson County | 67 | 54 | 0 | 0.0% |
| Montgomery County | 65 | 46 | 2 | 3.1% |
| Travis County | 54 | 48 | 0 | 0.0% |
| Johnson County | 54 | 52 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,453 applications in 2025, of which 1,171 were originated and 16 denied.
1.1% of all applications, or 1.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Republic State Mortgage originated in Texas in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Republic State Mortgage's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology