REPUBLIC STATE MORTGAGE CO.
1,702 mortgages originated in 2025 across 4 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,702
- Median rate
- 6.000%
- Median lender fees
- $9,095
- Median loan amount
- $305,000
- Median spread over APOR
- 0.015
- Paid discount points
- 68.9%
- Received lender credits
- 48.9%
- Purchases / refinances
- 96.4% / 3.6%
- Conventional / FHA / VA
- 46.2% / 42.5% / 9.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 99.2% of loans here — see methodology.
Where REPUBLIC STATE MORTGAGE CO. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 1,171 | $10,110 | 5.750% |
| Kentucky | 285 | $7,886 | 6.375% |
| North Carolina | 99 | $7,950 | 6.625% |
| Ohio | 81 | $3,678 | 6.750% |