Purchase Originations
1,547
Ranked #279 nationally
Median Total Costs
$9,426
+41.1% vs national ($6,680)
↑ $1,652 vs prior year
Median Rate
5.990%
−7.7% vs national (6.490%)
↓ 0.510% vs prior year
Median Origination
$2,750
Median Lender Credits
$824
Cost Rank (500+ vol.)
#523
among lenders with 500+ originations
Denial Rate
1.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 713 | 5.875% | $11,255 | $3,524 |
| conventional | 644 | 6.375% | $6,902 | $3,135 |
| va | 161 | 5.750% | $6,654 | $0 |
| usda | 29 | 6.125% | $5,743 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 1,080 | 5.750% | $10,356 | #56 |
| Kentucky | 261 | 6.375% | $8,025 | #41 |
| North Carolina | 86 | 6.625% | $8,046 | #161 |
| Ohio | 75 | 6.750% | $3,444 | #155 |
| Massachusetts | 29 | 6.750% | $5,601 | — |
| Georgia | 8 | 5.990% | $13,597 | — |
| New Hampshire | 4 | 6.688% | $10,048 | — |
| Connecticut | 2 | 6.312% | $5,173 | — |
| Florida | 1 | 7.375% | $6,331 | — |
| New Mexico | 1 | 6.625% | $4,084 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,298 | 6.750% | — | 55 | −$6,128 | |
| 2 | $4,475 | 5.990% | — | 32 | −$4,951 | |
| 3 | $5,827 | 6.750% | — | 24 | −$3,599 | |
| 4 | $7,612 | 6.250% | — | 33 | −$1,814 | |
| 5 | $8,052 | 5.490% | — | 51 | −$1,374 | |
| 6 | $8,400 | 6.188% | — | 42 | −$1,026 | |
| 7 | $8,546 | 6.625% | — | 43 | −$880 | |
| 8 | $8,552 | 6.438% | — | 20 | −$874 | |
| 9 | $8,627 | 6.250% | — | 27 | −$799 | |
| 10 | $8,890 | 5.875% | — | 83 | −$536 | |
| 11 | $9,141 | 5.558% | — | 32 | −$285 | |
| 12 | $9,362 | 5.375% | — | 45 | −$64 | |
| 13 | $9,930 | 6.375% | — | 88 | +$504 | |
| 14 | $10,358 | 5.750% | — | 68 | +$932 | |
| 15 | $10,852 | 5.875% | — | 98 | +$1,426 | |
| 16 | $11,579 | 5.938% | — | 40 | +$2,153 | |
| 17 | $11,887 | 6.125% | — | 41 | +$2,461 | |
| 18 | $12,090 | 5.750% | — | 51 | +$2,664 | |
| 19 | $12,334 | 4.990% | — | 276 | +$2,908 | |
| 20 | $14,277 | 5.990% | — | 17 | +$4,851 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Republic State Mortgage CO. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $9,426 | $7,127 | +$2,299 (+32.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.