First Republic Bank Mortgage Lending & HMDA Data, 2004
In 2004, First Republic Bank of San Francisco, CA reported 3,065 mortgage applications totaling $2.9 billion, down 22% from 2003. The average application was for $946,420, and applicants reported an average income of $513,805. 83% of its applications resulted in an originated loan and 1% were denied. Its largest markets were San Francisco-San Mateo-Redwood City, CA (1,164), New York-Wayne-White Plains, NY-NJ (329) and Los Angeles-Long Beach-Glendale, CA (261) (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 | 3,065 |
| Total Mortgage Loan Application Amount | $2,900,780,000 |
| Average Mortgage Loan Application Amount | $946,420 |
| Highest Mortgage Loan Application Amount | $21,500,000 |
| Average Applicant Income | $513,805 |
| Highest Applicant Income | $8,958,000 |
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Act (HMDA) records First Republic Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,164 | $ 1,109,169,000 | $ 952,894 | $ 314,000 |
| New York-Wayne-White Plains, NY-NJ | 329 | $ 362,041,000 | $ 1,100,428 | $ 591,000 |
| Los Angeles-Long Beach-Glendale, CA | 261 | $ 256,758,000 | $ 983,747 | $ 702,000 |
| Oakland-Fremont-Hayward, CA | 149 | $ 121,959,000 | $ 818,516 | $ 218,000 |
| Santa Ana-Anaheim-Irvine, CA | 136 | $ 156,044,000 | $ 1,147,382 | $ 297,000 |
| San Diego-Carlsbad-San Marcos, CA | 113 | $ 75,336,000 | $ 666,690 | $ 260,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 94 | $ 78,507,000 | $ 835,180 | $ 378,000 |
| Santa Rosa-Petaluma, CA | 68 | $ 43,632,000 | $ 641,647 | $ 358,000 |
| Nassau-Suffolk, NY | 62 | $ 90,311,000 | $ 1,456,629 | $ 943,000 |
| Riverside-San Bernardino-Ontario, CA | 51 | $ 29,390,000 | $ 576,274 | $ 611,000 |
| Napa, CA | 45 | $ 55,949,000 | $ 1,243,311 | $ 791,000 |
| Bridgeport-Stamford-Norwalk, CT | 38 | $ 48,359,000 | $ 1,272,605 | $ 1,144,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 35 | $ 26,273,000 | $ 750,657 | $ 433,000 |
| Las Vegas-Paradise, NV | 28 | $ 22,498,000 | $ 803,500 | $ 795,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 28 | $ 49,233,000 | $ 1,758,321 | $ 755,000 |
| Boston-Quincy, MA | 24 | $ 18,215,000 | $ 758,958 | $ 484,000 |
| Salinas, CA | 19 | $ 17,973,000 | $ 945,947 | $ 755,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 16 | $ 19,360,000 | $ 1,210,000 | $ 1,100,000 |
| Cambridge-Newton-Framingham, MA | 15 | $ 13,933,000 | $ 928,866 | $ 499,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 13 | $ 11,218,000 | $ 862,923 | $ 467,000 |
| Edison, NJ | 12 | $ 13,300,000 | $ 1,108,333 | $ 1,250,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 7,183,000 | $ 598,583 | $ 711,000 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 5,765,000 | $ 524,090 | $ 217,000 |
| Reno-Sparks, NV | 11 | $ 10,934,000 | $ 994,000 | $ 1,050,000 |
| Santa Cruz-Watsonville, CA | 11 | $ 6,292,000 | $ 572,000 | $ 396,000 |
| Newark-Union, NJ-PA | 10 | $ 7,117,000 | $ 711,700 | $ 958,000 |
| Philadelphia, PA | 10 | $ 9,084,000 | $ 908,400 | $ 693,000 |
| Essex County, MA | 9 | $ 8,418,000 | $ 935,333 | $ 556,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 9 | $ 4,727,000 | $ 525,222 | $ 291,000 |
| Honolulu, HI | 8 | $ 6,519,000 | $ 814,875 | $ 556,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 8,210,000 | $ 1,172,857 | $ 273,000 |
| Chicago-Naperville-Joliet, IL | 6 | $ 2,376,000 | $ 396,000 | $ 410,000 |
| Providence-New Bedford-Fall River, RI-MA | 6 | $ 2,610,000 | $ 435,000 | $ 222,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 1,593,000 | $ 318,600 | $ 507,000 |
| Sarasota-Bradenton-Venice, FL | 5 | $ 4,300,000 | $ 860,000 | $ 664,000 |
| Bakersfield, CA | 4 | $ 1,134,000 | $ 283,500 | $ 336,000 |
| Barnstable Town, MA | 4 | $ 3,979,000 | $ 994,750 | $ 311,000 |
| Camden, NJ | 4 | $ 2,049,000 | $ 512,250 | $ 239,000 |
| Dallas-Plano-Irving, TX | 4 | $ 1,761,000 | $ 440,250 | $ 807,000 |
| Naples-Marco Island, FL | 4 | $ 2,970,000 | $ 742,500 | $ 567,000 |
| Salt Lake City, UT | 4 | $ 2,364,000 | $ 591,000 | $ 598,000 |
| Tucson, AZ | 4 | $ 478,000 | $ 119,500 | $ 116,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 628,000 | $ 209,333 | $ 160,000 |
| Boulder, CO | 3 | $ 2,844,000 | $ 948,000 | $ 264,000 |
| Denver-Aurora, CO | 3 | $ 1,508,000 | $ 502,666 | $ 293,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 3,666,000 | $ 1,222,000 | $ 784,000 |
| Pittsfield, MA | 3 | $ 2,650,000 | $ 883,333 | $ 1,592,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 3 | $ 2,940,000 | $ 980,000 | $ 361,000 |
| Rochester, NY | 3 | $ 1,220,000 | $ 406,666 | $ 507,000 |
| Stockton, CA | 3 | $ 1,867,000 | $ 622,333 | $ 1,450,000 |
| Trenton-Ewing, NJ | 3 | $ 1,396,000 | $ 465,333 | $ 427,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,769,000 | $ 589,666 | $ 92,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 498,000 | $ 249,000 | $ 161,000 |
| Charleston-North Charleston, SC | 2 | $ 1,752,000 | $ 876,000 | $ 527,000 |
| Jacksonville, FL | 2 | $ 990,000 | $ 495,000 | $ 486,000 |
| Kingston, NY | 2 | $ 4,360,000 | $ 2,180,000 | $ 1,977,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 2,250,000 | $ 1,125,000 | $ 912,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 1,600,000 | $ 800,000 | $ 1,234,000 |
| Orlando, FL | 2 | $ 536,000 | $ 268,000 | $ 447,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 3,100,000 | $ 1,550,000 | $ 2,931,000 |
| Rockingham County-Strafford County, NH | 2 | $ 1,014,000 | $ 507,000 | $ 52,000 |
| Tacoma, WA | 2 | $ 1,843,000 | $ 921,500 | $ 704,000 |
| Wilmington, DE-MD-NJ | 2 | $ 1,320,000 | $ 660,000 | $ 925,000 |
| Albuquerque, NM | 1 | $ 900,000 | $ 900,000 | $ 391,000 |
| Ann Arbor, MI | 1 | $ 300,000 | $ 300,000 | $ 330,000 |
| Baltimore-Towson, MD | 1 | $ 380,000 | $ 380,000 | $ 200,000 |
| Bend, OR | 1 | $ 115,000 | $ 115,000 | $ 97,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1 | $ 2,000,000 | $ 2,000,000 | $ 446,000 |
| Billings, MT | 1 | $ 300,000 | $ 300,000 | $ 332,000 |
| Boise City-Nampa, ID | 1 | $ 475,000 | $ 475,000 | $ 185,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Carson City, NV | 1 | $ 160,000 | $ 160,000 | $ 210,000 |
| Charlottesville, VA | 1 | $ 380,000 | $ 380,000 | $ 875,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 700,000 | $ 700,000 | $ 700,000 |
| Coeur D'Alene, ID | 1 | $ 273,000 | $ 273,000 | $ 554,000 |
| Corpus Christi, TX | 1 | $ 420,000 | $ 420,000 | $ 265,000 |
| Corvallis, OR | 1 | $ 320,000 | $ 320,000 | $ 700,000 |
| Eugene-Springfield, OR | 1 | $ 152,000 | $ 152,000 | $ 251,000 |
| Fort Collins-Loveland, CO | 1 | $ 326,000 | $ 326,000 | $ 648,000 |
| Glens Falls, NY | 1 | $ 575,000 | $ 575,000 | $ 452,000 |
| Great Falls, MT | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Indianapolis, IN | 1 | $ 116,000 | $ 116,000 | $ 117,000 |
| Kansas City, MO-KS | 1 | $ 225,000 | $ 225,000 | $ 125,000 |
| Lakeland, FL | 1 | $ 700,000 | $ 700,000 | $ 649,000 |
| Lancaster, PA | 1 | $ 306,000 | $ 306,000 | $ 150,000 |
| Lansing-East Lansing, MI | 1 | $ 164,000 | $ 164,000 | $ 91,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 430,000 | $ 430,000 | $ 253,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 560,000 | $ 560,000 | $ 458,000 |
| Ocala, FL | 1 | $ 236,000 | $ 236,000 | $ 325,000 |
| Oshkosh-Neenah, WI | 1 | $ 488,000 | $ 488,000 | $ 1,516,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 600,000 | $ 600,000 | $ 410,000 |
| Punta Gorda, FL | 1 | $ 401,000 | $ 401,000 | $ 434,000 |
| Redding, CA | 1 | $ 563,000 | $ 563,000 | $ 384,000 |
| Spokane, WA | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Syracuse, NY | 1 | $ 102,000 | $ 102,000 | $ 130,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 245,000 | $ 245,000 | $ 76,000 |
| Toledo, OH | 1 | $ 650,000 | $ 650,000 | $ 700,000 |
| Vero Beach, FL | 1 | $ 500,000 | $ 500,000 | $ 314,000 |
| Warren-Farmington Hills-Troy, MI | 1 | $ 330,000 | $ 330,000 | $ 258,000 |
Mortgage Loan Application Detail Totals for First Republic Bank in 2004
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 | 1,690 | $1,769,604,000 | $766,189 | $21,500,000 | $510,027 | $8,958,000 |
| Refinancing | 1,212 | $1,001,002,000 | $718,785 | $10,025,000 | $625,464 | $6,000,000 |
| Home Improvement | 163 | $130,174,000 | $1,163,083 | $6,000,000 | $801,166 | $3,756,000 |
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 |
|---|---|---|---|---|---|---|
| White | 1,695 | $1,578,213,000 | $680,702 | $8,000,000 | $577,324 | $8,958,000 |
| Not Provided | 899 | $883,906,000 | $791,406 | $9,000,000 | $584,156 | $7,030,000 |
| Not applicable | 304 | $319,855,000 | $1,095,692 | $21,500,000 | $20,076 | $873,000 |
| Asian | 97 | $71,616,000 | $478,571 | $4,000,000 | $546,000 | $2,735,000 |
| Hispanic | 49 | $26,706,000 | $1,252,400 | $2,535,000 | $909,400 | $2,851,000 |
| Black or African American | 14 | $17,203,000 | $495,500 | $5,200,000 | $475,500 | $6,000,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $2,319,000 | $579,000 | $1,540,000 | $420,000 | $1,030,000 |
| American Indian or Alaskan Native | 3 | $962,000 | $334,000 | $522,000 | $92,500 | $185,000 |
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) | 3,065 | $2,900,780,000 | $714,350 | $21,500,000 | $522,700 | $8,958,000 |
| 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 | 2,536 | $2,383,682,000 | $703,921 | $21,500,000 | $548,789 | $8,958,000 |
| Application Withdrawn By Applicant | 349 | $376,173,000 | $749,450 | $10,000,000 | $524,450 | $6,000,000 |
| Application Approved But Not Accepted | 50 | $51,744,000 | $1,116,125 | $6,600,000 | $628,750 | $2,003,000 |
| File Closed For Incompleteness | 48 | $50,587,000 | $1,342,600 | $5,600,000 | $579,600 | $3,280,000 |
| Application Denied By Financial Institution | 45 | $35,088,000 | $673,777 | $3,300,000 | $473,666 | $4,800,000 |
| Loan Purchased By The Institution | 33 | $1,400,000 | $42,000 | $57,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 4 | $2,106,000 | $526,000 | $800,000 | $241,000 | $564,000 |
| Preapproval Approved but not Accepted | 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 2004 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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