First Republic Bank Mortgage Lending & HMDA Data, 2006
In 2006, First Republic Bank of San Francisco, CA reported 2,251 mortgage applications totaling $2.6 billion, down 22% from 2005. The average application was for $1,143,757, and applicants reported an average income of $670,750. 84% of its applications resulted in an originated loan and 1% were denied. Its largest markets were San Francisco-San Mateo-Redwood City, CA (799), New York-White Plains-Wayne, NY-NJ (287) and Los Angeles-Long Beach-Glendale, CA (150) (applications in parentheses).
| Mortgage Company & Address | First Republic Bank 111 Pine Street, 5th Floor San Francisco, CA 94111 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,251 |
| Total Mortgage Loan Application Amount | $2,574,599,000 |
| Average Mortgage Loan Application Amount | $1,143,757 |
| Highest Mortgage Loan Application Amount | $29,500,000 |
| Average Applicant Income | $670,750 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Republic Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Francisco-San Mateo-Redwood City, CA | 799 | $ 848,342,000 | $ 1,061,754 | $ 503,000 |
| New York-White Plains-Wayne, NY-NJ | 287 | $ 353,447,000 | $ 1,231,522 | $ 892,933 |
| Los Angeles-Long Beach-Glendale, CA | 150 | $ 171,021,000 | $ 1,140,140 | $ 879,000 |
| Oakland-Fremont-Hayward, CA | 105 | $ 130,947,000 | $ 1,247,114 | $ 401,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 86 | $ 75,834,000 | $ 881,790 | $ 418,000 |
| Santa Ana-Anaheim-Irvine, CA | 79 | $ 131,224,000 | $ 1,661,063 | $ 890,000 |
| San Diego-Carlsbad-San Marcos, CA | 67 | $ 70,921,000 | $ 1,058,522 | $ 345,000 |
| Santa Rosa-Petaluma, CA | 54 | $ 69,113,000 | $ 1,279,870 | $ 590,000 |
| Boston-Quincy, MA | 49 | $ 34,326,000 | $ 700,530 | $ 467,000 |
| Napa, CA | 44 | $ 65,845,000 | $ 1,496,477 | $ 542,000 |
| Nassau-Suffolk, NY | 43 | $ 82,508,000 | $ 1,918,790 | $ 1,606,000 |
| Bridgeport-Stamford-Norwalk, CT | 28 | $ 46,204,000 | $ 1,650,142 | $ 939,000 |
| Portland-Vancouver-Beaverton, OR-WA | 26 | $ 9,878,000 | $ 379,923 | $ 336,538 |
| Santa Barbara-Santa Maria, CA | 25 | $ 35,936,000 | $ 1,437,440 | $ 1,318,000 |
| Las Vegas-Paradise, NV | 24 | $ 42,859,000 | $ 1,785,791 | $ 634,000 |
| Riverside-San Bernardino-Ontario, CA | 24 | $ 22,946,000 | $ 956,083 | $ 941,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 23 | $ 25,569,000 | $ 1,111,695 | $ 679,000 |
| Cambridge-Newton-Framingham, MA | 19 | $ 19,833,000 | $ 1,043,842 | $ 674,000 |
| Newark-Union, NJ-PA | 17 | $ 12,272,000 | $ 721,882 | $ 435,764 |
| Salinas, CA | 14 | $ 26,211,000 | $ 1,872,214 | $ 591,000 |
| Essex County, MA | 12 | $ 12,304,000 | $ 1,025,333 | $ 572,000 |
| Edison, NJ | 11 | $ 21,357,000 | $ 1,941,545 | $ 1,475,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 8 | $ 6,763,000 | $ 845,375 | $ 484,875 |
| Barnstable Town, MA | 7 | $ 13,518,000 | $ 1,931,142 | $ 2,015,000 |
| Salt Lake City, UT | 7 | $ 6,624,000 | $ 946,285 | $ 831,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 2,074,000 | $ 345,666 | $ 609,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 6,706,000 | $ 1,117,666 | $ 338,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 6 | $ 4,663,000 | $ 777,166 | $ 923,000 |
| Dallas-Plano-Irving, TX | 5 | $ 2,004,000 | $ 400,800 | $ 145,000 |
| Honolulu, HI | 5 | $ 7,890,000 | $ 1,578,000 | $ 802,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 3,259,000 | $ 651,800 | $ 1,148,000 |
| Reno-Sparks, NV | 5 | $ 4,670,000 | $ 934,000 | $ 327,000 |
| Bakersfield, CA | 4 | $ 1,667,000 | $ 416,750 | $ 203,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 2,500,000 | $ 625,000 | $ 728,000 |
| Denver-Aurora, CO | 4 | $ 3,525,000 | $ 881,250 | $ 410,000 |
| Providence-New Bedford-Fall River, RI-MA | 4 | $ 4,244,000 | $ 1,061,000 | $ 597,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 2,861,000 | $ 715,250 | $ 267,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 4,385,000 | $ 1,096,250 | $ 477,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 2,140,000 | $ 713,333 | $ 412,000 |
| Bend, OR | 3 | $ 2,194,000 | $ 731,333 | $ 500,000 |
| Charlottesville, VA | 3 | $ 5,390,000 | $ 1,796,666 | $ 886,000 |
| El Centro, CA | 3 | $ 732,000 | $ 244,000 | $ 217,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 1,192,000 | $ 397,333 | $ 366,000 |
| Philadelphia, PA | 3 | $ 3,475,000 | $ 1,158,333 | $ 1,405,000 |
| Boulder, CO | 2 | $ 1,054,000 | $ 527,000 | $ 132,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 1,955,000 | $ 977,500 | $ 630,000 |
| Durham, NC | 2 | $ 921,000 | $ 460,500 | $ 182,000 |
| Flagstaff, AZ | 2 | $ 652,000 | $ 326,000 | $ 520,000 |
| Fresno, CA | 2 | $ 1,345,000 | $ 672,500 | $ 635,000 |
| Huntsville, AL | 2 | $ 266,000 | $ 133,000 | $ 0 |
| Jacksonville, FL | 2 | $ 780,000 | $ 390,000 | $ 326,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,510,000 | $ 755,000 | $ 2,179,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 1,898,000 | $ 949,000 | $ 403,000 |
| New Haven-Milford, CT | 2 | $ 1,000,000 | $ 500,000 | $ 358,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 266,000 | $ 133,000 | $ 90,000 |
| Pittsfield, MA | 2 | $ 2,000,000 | $ 1,000,000 | $ 1,341,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 886,000 | $ 443,000 | $ 796,000 |
| Santa Fe, NM | 2 | $ 1,474,000 | $ 737,000 | $ 104,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 2,254,000 | $ 1,127,000 | $ 908,000 |
| Tucson, AZ | 2 | $ 474,000 | $ 237,000 | $ 539,000 |
| Ann Arbor, MI | 1 | $ 295,000 | $ 295,000 | $ 315,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 765,000 | $ 765,000 | $ 600,000 |
| Baltimore-Towson, MD | 1 | $ 383,000 | $ 383,000 | $ 100,000 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 704,000 | $ 704,000 | $ 212,000 |
| Boise City-Nampa, ID | 1 | $ 990,000 | $ 990,000 | $ 0 |
| Buffalo-Niagara Falls, NY | 1 | $ 300,000 | $ 300,000 | $ 600,000 |
| Charleston-North Charleston, SC | 1 | $ 1,200,000 | $ 1,200,000 | $ 1,009,000 |
| Coeur D'Alene, ID | 1 | $ 166,000 | $ 166,000 | $ 283,000 |
| Columbus, OH | 1 | $ 250,000 | $ 250,000 | $ 354,000 |
| Fayetteville, NC | 1 | $ 84,000 | $ 84,000 | $ 167,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 697,000 | $ 697,000 | $ 190,000 |
| Harrisburg-Carlisle, PA | 1 | $ 800,000 | $ 800,000 | $ 370,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 625,000 | $ 625,000 | $ 1,800,000 |
| Manchester-Nashua, NH | 1 | $ 575,000 | $ 575,000 | $ 269,000 |
| Modesto, CA | 1 | $ 416,000 | $ 416,000 | $ 83,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 550,000 | $ 550,000 | $ 175,000 |
| Norwich-New London, CT | 1 | $ 600,000 | $ 600,000 | $ 331,000 |
| Ocean City, NJ | 1 | $ 1,075,000 | $ 1,075,000 | $ 1,050,000 |
| Orlando-Kissimmee, FL | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 130,000 | $ 130,000 | $ 81,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 800,000 | $ 800,000 | $ 916,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 575,000 | $ 575,000 | $ 815,000 |
| Richmond, VA | 1 | $ 720,000 | $ 720,000 | $ 194,000 |
| Stockton, CA | 1 | $ 325,000 | $ 325,000 | $ 2,010,000 |
| Tallahassee, FL | 1 | $ 180,000 | $ 180,000 | $ 43,000 |
| Trenton-Ewing, NJ | 1 | $ 1,550,000 | $ 1,550,000 | $ 3,380,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 80,000 | $ 80,000 | $ 246,000 |
Mortgage Loan Application Detail Totals for First Republic Bank in 2006
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,312 | $1,549,657,000 | $1,181,000 | $10,450,000 | $733,000 | $9,999,000 |
| Refinancing | 795 | $880,257,000 | $1,107,000 | $29,500,000 | $633,000 | $9,999,000 |
| Home Improvement | 144 | $144,685,000 | $1,004,000 | $6,750,000 | $312,000 | $2,149,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not Provided | 959 | $1,151,133,000 | $1,200,000 | $14,000,000 | $840,000 | $9,999,000 |
| White | 959 | $988,352,000 | $1,030,000 | $6,750,000 | $693,000 | $9,999,000 |
| Not applicable | 229 | $363,602,000 | $1,587,000 | $29,500,000 | $57,000 | $1,821,000 |
| Asian | 64 | $52,150,000 | $814,000 | $3,900,000 | $292,000 | $2,280,000 |
| Hispanic | 26 | $12,914,000 | $496,000 | $1,800,000 | $167,000 | $1,246,000 |
| Black or African American | 11 | $5,191,000 | $471,000 | $1,100,000 | $248,000 | $497,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $927,000 | $463,000 | $525,000 | $230,000 | $342,000 |
| American Indian or Alaskan Native | 1 | $330,000 | $330,000 | $330,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,251 | $2,574,599,000 | $1,143,000 | $29,500,000 | $671,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,891 | $2,138,026,000 | $1,130,000 | $14,000,000 | $671,000 | $9,999,000 |
| Application Withdrawn By Applicant | 275 | $332,200,000 | $1,208,000 | $29,500,000 | $655,000 | $7,493,000 |
| Application Approved But Not Accepted | 45 | $65,102,000 | $1,446,000 | $6,750,000 | $704,000 | $3,924,000 |
| File Closed For Incompleteness | 25 | $26,425,000 | $1,057,000 | $8,500,000 | $690,000 | $3,120,000 |
| Application Denied By Financial Institution | 14 | $12,755,000 | $911,000 | $3,225,000 | $799,000 | $4,056,000 |
| Loan Purchased By The Institution | 1 | $91,000 | $91,000 | $91,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Republic Bank's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Republic Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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