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The guidance of a trustworthy and experienced mortgage professional can simplify any home financing experience. Republic State Mortgage Co has a wealth of knowledge and resources to assist you in finding the best loan to meet your individual home buying needs. We pride ourselves in providing excellent customer service and establishing long lasting customer relationships.

As an experienced lender, Pat O'Laughlin is available to guide you through the home financing process. Whether you are purchasing your first home, an investment home, refinancing or just need mortgage advice, Pat O'Laughlin can help.


Pat was easy to work with and helped us get everything done quickly

- Shannon Marie M.

Pat was extremely upfront and communicative throughout the whole process. I am not a patient person and I always like getting responses FAST. Pat responded to my messages within minutes and kept me informed at every stage. My closing costs ended up coming in less than the original estimate and Pat honored everything he promised. I wouldn’t hesitate to use him again and I’ve already been referring people to him for their own loans.

- Richard Keith E.

Easy to talk to

- Augusto J M.

Pat was very easy to work with and took the time to explain the process in a way that was easy to understand as a first time home buyer. He was always quick to respond to questions and kept me up to date during each step of the process.

- Rachel C.

Pat kept us updated the entire way and communicated regularly. He came to our closing to see it through and that was AMAZING

- Lauren Kay S.

Pat is amazing at what he does. My family and I have used him on multiple homes and he has been able to work magic to ensure that we are quickly closed. 10/10, 5 stars, would definitely recommend him.

- Robert Paul S.

Pat was always on top of it. Especially with the current climate of the housing market you have to act fast. We found this home and some of the requirements were we had to move fast and Pat pulled through for mywife and I. This is the second home I have closed with Pat and it will not be my last!

- Jonathon Howard M.

He worked hard to help us understand the homebuying process! Always able to get a hold of also, just all around very helpful.

- Emma Cecile R.

Pat was fantastic to work with. He was perceptive to my needs and concern that helped me purchase my 1st hoe. He is knowledgeable of the lending process and responded to all my questions and concerns> He was patient and made certain my interests were protected during the whole process. I am pleased I chose Pat through my realtor's referral. Thank you again Pat!!

- Curtis James H.

Pat has been fantastic, always available for my many questions, and concerns. I told Pat that I felt like we were more friends that just a lender and a customer.

- Ashley Chae J.

I had a difficult loan but Pat made it happen.

- Mari Kawamoto M.

It was an exceptional service, concierge treatment from start to finish.

- Tingting Y.

Pat was very helpful with the process, and made it possible for me to buy my first home.

- Taylor Donald S.

Pat was very informative and helpful. This was a rather complicated house buying experience due to unforeseen buyer issues. Pat never slacked on advice and got everything done on time.

- Dennis Jerald F.

He was very quick at getting information where it needs to be and letting us know what what needed to be sent. He made sure that we had everything we needed and provided great advice to first home owners very happy he was recommended to us!

- Hunter D.

Communications with a down-to-earth person approachable and likable which helps when going through an often stressful experience of buying a home.

- Jim Isaac P.

Pat was awesome..he went over and above to help me get my loan closed!

- Joe A M.

Service was fantastic

- Jack D. W.

Everything went smooth with no issues.

- Caleb R.

Great communication and being up front and honest. Always being accessable and answers ally questions.

- Jason Carl M.
Pat O'Laughlin

Pat O'Laughlin

I am licensed in: KY-MC83209

Loan Officer
NMLS ID #: 464513

Direct: 859-361-1331
Office: 859-879-0044
Fax: 859-879-0085

Apply Online

Contact Pat O'Laughlin

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