Applications / Mortgage Analytics / Lenders / Texas / Republic State Mortgage Company
Houston, TX · Independent non-bank lender · CFPB · 1,702 loans in 2025
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1,702
loans originated, 2025
2,115
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Republic State Mortgage Company, a Houston purchase lender, grew 38% in 2025, and government-backed loans now make up more than half its book.
It made 1,702 loans, up from 1,229, a rise of 38%. Similar lenders, meaning independent non-bank lenders making between half and twice as many loans, grew 5%; it grew faster than more than four in five of them. It gained ground across Texas: its share rose to 0.3% in San Antonio and to 0.2% in Houston and Austin. Its count is still about a third of the 5,231 it made in 2020.
Home purchases made up 96.4% of its lending. Loans insured by the Federal Housing Administration (FHA) made up 42.5%, against 22.9% at similar lenders and up from 19.7% in 2020. Loans guaranteed by the Department of Veterans Affairs added 9.6%.
Its typical rate was 6.00%, against 6.62% at similar lenders, lower than about nineteen in twenty of them. Only 1.1% of its loans were higher-priced (a rate well above the average for similar loans), against 2.3%. It turned down 1.7% of home-purchase applications, against 3.8% at its peers.
Loans in majority-minority neighborhoods rose to 29.3% of its lending, from 23.2% in 2024 and 14.1% in 2020, a little above its peers' 26.2%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Republic State Mortgage Company took 2,115 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 96.4% · Refinance 3.6%
Conventional 46.2% · FHA 42.5% · VA 9.6% · USDA (RHS or FSA) 1.7% · of 1,702 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 1,171 | 68.8% |
| Kentucky | 285 | 16.7% |
| North Carolina | 99 | 5.8% |
| Ohio | 81 | 4.8% |
| Massachusetts | 45 | 2.6% |
| Georgia | 8 | 0.5% |
| New Hampshire | 6 | 0.4% |
| Florida | 3 | 0.2% |
| Connecticut | 2 | 0.1% |
| Maine | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 514 |
| Houston-Pasadena-The Woodlands | 209 |
| Fort Worth-Arlington-Grapevine | 164 |
| San Antonio-New Braunfels | 139 |
| Austin-Round Rock-San Marcos | 123 |
| Lexington-Fayette | 82 |
| Raleigh-Cary | 64 |
| Cambridge-Newton-Framingham | 41 |
| Canton-Massillon | 12 |
| Durham-Chapel Hill | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900LKAJBFGO0IIP75 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3844317 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7760454396 | |
| Respondent ID (the HMDA filer code before 2018) | 71308500004 | 2000–2010 |
Established 12 December 1994. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Republic State Mortgage Company's data.
Republic State Mortgage Company's data
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Republic State Mortgage Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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