First Republic Bank Mortgage Lending & HMDA Data, 2012

In 2012, First Republic Bank of San Francisco, CA reported 12,536 mortgage applications totaling $11.6 billion, up 80% from 2011. The average application was for $926,770, and applicants reported an average income of $454,925. 83% of its applications resulted in an originated loan and 4% were denied. Its largest markets were San Francisco-San Mateo-Redwood City, CA (4,030), Oakland-Fremont-Hayward, CA (1,334) and New York-White Plains-Wayne, NY-NJ (1,232) (applications in parentheses).

Mortgage Company & Address First Republic Bank
111 Pine Street
San Francisco, CA 94111
Tel #: available with data download
Federal Regulator * available with data download
Years 2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 12,536
Total Mortgage Loan Application Amount $11,617,998,000
Average Mortgage Loan Application Amount $926,770
Highest Mortgage Loan Application Amount $32,650,000
Average Applicant Income $454,925
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Act (HMDA) records First Republic Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for First Republic Bank by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
San Francisco, California 2,523 $ 2,408,256,000 $ 954,520 $ 362,000
New York, New York 913 $ 1,332,207,000 $ 1,459,153 $ 761,000
Los Angeles, California 906 $ 880,039,000 $ 971,345 $ 443,000
San Mateo, California 895 $ 915,697,000 $ 1,023,125 $ 422,000
Santa Clara, California 699 $ 622,149,000 $ 890,055 $ 378,000
Contra Costa, California 689 $ 386,595,000 $ 561,095 $ 245,000
Alameda, California 645 $ 390,789,000 $ 605,874 $ 236,000
Marin, California 612 $ 618,008,000 $ 1,009,816 $ 479,000
Suffolk, Massachusetts 494 $ 347,151,000 $ 702,734 $ 429,000
San Diego, California 432 $ 390,511,000 $ 903,960 $ 376,000
Orange, California 390 $ 431,645,000 $ 1,106,782 $ 532,000
Middlesex, Massachusetts 312 $ 238,358,000 $ 763,967 $ 442,000
Solano, California 219 $ 22,413,000 $ 102,342 $ 27,000
Norfolk, Massachusetts 207 $ 177,152,000 $ 855,806 $ 432,000
Sonoma, California 201 $ 166,731,000 $ 829,507 $ 412,000
Fairfield, Connecticut 165 $ 262,787,000 $ 1,592,648 $ 989,000
Suffolk, New York 156 $ 231,480,000 $ 1,483,846 $ 1,065,000
Santa Barbara, California 155 $ 158,219,000 $ 1,020,767 $ 516,000
Westchester, New York 143 $ 167,654,000 $ 1,172,405 $ 879,000
Multnomah, Oregon 125 $ 79,994,000 $ 639,952 $ 236,000
Napa, California 124 $ 123,461,000 $ 995,653 $ 457,000
Kings, New York 86 $ 99,230,000 $ 1,153,837 $ 555,000
Monterey, California 77 $ 71,519,000 $ 928,818 $ 572,000
Placer, California 72 $ 60,549,000 $ 840,958 $ 708,000
Barnstable, Massachusetts 68 $ 44,402,000 $ 652,970 $ 652,000
Nassau, New York 63 $ 82,296,000 $ 1,306,285 $ 531,000
Riverside, California 56 $ 34,456,000 $ 615,285 $ 520,000
Essex, Massachusetts 55 $ 32,386,000 $ 588,836 $ 534,000
Santa Cruz, California 53 $ 36,469,000 $ 688,094 $ 429,000
Plymouth, Massachusetts 50 $ 33,628,000 $ 672,560 $ 567,000
Clackamas, Oregon 38 $ 14,947,000 $ 393,342 $ 138,000
Nantucket, Massachusetts 37 $ 52,314,000 $ 1,413,891 $ 1,146,000
Ventura, California 32 $ 15,856,000 $ 495,500 $ 466,000
Bergen, New Jersey 30 $ 26,975,000 $ 899,166 $ 382,000
Washington, Oregon 30 $ 34,346,000 $ 1,144,866 $ 136,000
Miami-Dade, Florida 29 $ 30,031,000 $ 1,035,551 $ 1,370,000
Washoe, Nevada 29 $ 17,778,000 $ 613,034 $ 446,000
Nevada, California 28 $ 13,594,000 $ 485,500 $ 393,000
Monmouth, New Jersey 23 $ 19,302,000 $ 839,217 $ 646,000
Hudson, New Jersey 21 $ 11,852,000 $ 564,380 $ 543,000
Dukes, Massachusetts 20 $ 25,491,000 $ 1,274,550 $ 1,030,000
Queens, New York 20 $ 16,648,000 $ 832,400 $ 325,000
Summit, Utah 19 $ 17,025,000 $ 896,052 $ 569,000
Litchfield, Connecticut 17 $ 10,607,000 $ 623,941 $ 772,000
Palm Beach, Florida 17 $ 22,605,000 $ 1,329,705 $ 891,000
Hawaii, Hawaii 17 $ 25,851,000 $ 1,520,647 $ 1,058,000
District of Columbia, District Of Columbia 15 $ 13,027,000 $ 868,466 $ 1,067,000
King, Washington 15 $ 10,657,000 $ 710,466 $ 573,000
San Bernardino, California 14 $ 7,154,000 $ 511,000 $ 192,000
Essex, New Jersey 13 $ 10,740,000 $ 826,153 $ 457,000
Deschutes, Oregon 13 $ 6,150,000 $ 473,076 $ 439,000
Maui, Hawaii 12 $ 15,866,000 $ 1,322,166 $ 913,000
Maricopa, Arizona 11 $ 5,303,000 $ 482,090 $ 308,000
Honolulu, Hawaii 11 $ 9,669,000 $ 879,000 $ 485,000
Cook, Illinois 11 $ 7,239,000 $ 658,090 $ 629,000
Clark, Washington 11 $ 6,017,000 $ 547,000 $ 292,000
Worcester, Massachusetts 10 $ 5,006,000 $ 500,600 $ 545,000
Mercer, New Jersey 10 $ 7,318,000 $ 731,800 $ 804,000
New Haven, Connecticut 9 $ 5,243,000 $ 582,555 $ 574,000
Collier, Florida 9 $ 7,143,000 $ 793,666 $ 1,587,000
Carroll, New Hampshire 9 $ 2,901,000 $ 322,333 $ 475,000
Union, New Jersey 9 $ 8,669,000 $ 963,222 $ 406,000
El Dorado, California 8 $ 4,303,000 $ 537,875 $ 711,000
Sacramento, California 8 $ 5,873,000 $ 734,125 $ 484,000
Morris, New Jersey 8 $ 9,073,000 $ 1,134,125 $ 543,000
Ocean, New Jersey 7 $ 5,990,000 $ 855,714 $ 1,176,000
Newport, Rhode Island 7 $ 13,893,000 $ 1,984,714 $ 1,096,000
Mendocino, California 6 $ 2,816,000 $ 469,333 $ 385,000
Blaine, Idaho 6 $ 5,743,000 $ 957,166 $ 852,000
Clark, Nevada 6 $ 4,015,000 $ 669,166 $ 597,000
Charleston, South Carolina 6 $ 7,118,000 $ 1,186,333 $ 1,011,000
Alpine, California 5 $ 2,672,000 $ 534,400 $ 561,000
San Luis Obispo, California 5 $ 2,509,000 $ 501,800 $ 403,000
Kauai, Hawaii 5 $ 5,645,000 $ 1,129,000 $ 622,000
York, Maine 5 $ 4,475,000 $ 895,000 $ 865,000
Bristol, Massachusetts 5 $ 6,568,000 $ 1,313,600 $ 572,000
Rockingham, New Hampshire 5 $ 7,670,000 $ 1,534,000 $ 459,000
Bronx, New York 5 $ 5,634,000 $ 1,126,800 $ 1,323,000
Putnam, New York 5 $ 3,663,000 $ 732,600 $ 357,000
Windsor, Vermont 5 $ 2,902,000 $ 580,400 $ 648,000
Teton, Wyoming 5 $ 5,755,000 $ 1,151,000 $ 2,257,000
Mono, California 4 $ 2,179,000 $ 544,750 $ 848,000
Arapahoe, Colorado 4 $ 5,230,000 $ 1,307,500 $ 418,000
Boulder, Colorado 4 $ 1,744,000 $ 436,000 $ 218,000
Eagle, Colorado 4 $ 5,508,000 $ 1,377,000 $ 728,000
Pitkin, Colorado 4 $ 4,807,000 $ 1,201,750 $ 503,000
Grafton, New Hampshire 4 $ 2,297,000 $ 574,250 $ 702,000
Merrimack, New Hampshire 4 $ 1,448,000 $ 362,000 $ 287,000
Cape May, New Jersey 4 $ 4,465,000 $ 1,116,250 $ 1,069,000
Columbia, New York 4 $ 1,630,000 $ 407,500 $ 288,000
Dutchess, New York 4 $ 4,678,000 $ 1,169,500 $ 1,367,000
Rockland, New York 4 $ 1,750,000 $ 437,500 $ 342,000
Ulster, New York 4 $ 2,095,000 $ 523,750 $ 826,000
Clatsop, Oregon 4 $ 1,667,000 $ 416,750 $ 339,000
Tillamook, Oregon 4 $ 1,172,000 $ 293,000 $ 141,000
Pima, Arizona 3 $ 923,000 $ 307,666 $ 92,000
Amador, California 3 $ 2,351,000 $ 783,666 $ 468,000
Fresno, California 3 $ 1,252,000 $ 417,333 $ 1,175,000
Tuolumne, California 3 $ 1,438,000 $ 479,333 $ 293,000
Yolo, California 3 $ 841,000 $ 280,333 $ 529,000
La Plata, Colorado 3 $ 1,972,000 $ 657,333 $ 310,000
San Miguel, Colorado 3 $ 2,209,000 $ 736,333 $ 733,000
New London, Connecticut 3 $ 1,610,000 $ 536,666 $ 434,000
Hillsborough, Florida 3 $ 1,059,000 $ 353,000 $ 310,000
Monroe, Florida 3 $ 1,747,000 $ 582,333 $ 337,000
Bonner, Idaho 3 $ 874,000 $ 291,333 $ 284,000
Passaic, New Jersey 3 $ 1,010,000 $ 336,666 $ 130,000
Somerset, New Jersey 3 $ 2,030,000 $ 676,666 $ 670,000
Sussex, New Jersey 3 $ 1,360,000 $ 453,333 $ 244,000
Orange, New York 3 $ 1,954,000 $ 651,333 $ 366,000
Saratoga, New York 3 $ 1,174,000 $ 391,333 $ 354,000
Mecklenburg, North Carolina 3 $ 1,715,000 $ 571,666 $ 318,000
Marion, Oregon 3 $ 5,646,000 $ 1,882,000 $ 0
Philadelphia, Pennsylvania 3 $ 3,200,000 $ 1,066,666 $ 662,000
Travis, Texas 3 $ 1,937,000 $ 645,666 $ 772,000
Lamoille, Vermont 3 $ 3,537,000 $ 1,179,000 $ 1,607,000
Pierce, Washington 3 $ 1,577,000 $ 525,666 $ 115,000
San Juan, Washington 3 $ 1,892,000 $ 630,666 $ 258,000
Kern, California 2 $ 387,000 $ 193,500 $ 155,000
Hartford, Connecticut 2 $ 1,297,000 $ 648,500 $ 533,000
Middlesex, Connecticut 2 $ 1,006,000 $ 503,000 $ 2,164,000
Charlotte, Florida 2 $ 1,960,000 $ 980,000 $ 152,000
Indian River, Florida 2 $ 2,085,000 $ 1,042,500 $ 1,458,000
Lee, Florida 2 $ 805,000 $ 402,500 $ 665,000
Pinellas, Florida 2 $ 1,412,000 $ 706,000 $ 250,000
Sarasota, Florida 2 $ 629,000 $ 314,500 $ 1,236,000
Kootenai, Idaho 2 $ 1,326,000 $ 663,000 $ 324,000
Douglas, Nevada 2 $ 3,005,000 $ 1,502,500 $ 309,000
Hillsborough, New Hampshire 2 $ 733,000 $ 366,500 $ 198,000
Middlesex, New Jersey 2 $ 473,000 $ 236,500 $ 50,000
Richmond, New York 2 $ 893,000 $ 446,500 $ 153,000
Jackson, Oregon 2 $ 751,000 $ 375,500 $ 204,000
Linn, Oregon 2 $ 5,169,000 $ 2,584,500 $ 38,000
Wasco, Oregon 2 $ 6,225,000 $ 3,112,500 $ 0
Bucks, Pennsylvania 2 $ 1,467,000 $ 733,500 $ 619,000
Providence, Rhode Island 2 $ 967,000 $ 483,500 $ 210,000
Washington, Rhode Island 2 $ 5,000,000 $ 2,500,000 $ 1,736,000
Berkeley, South Carolina 2 $ 1,756,000 $ 878,000 $ 673,000
Tarrant, Texas 2 $ 1,588,000 $ 794,000 $ 2,301,000
Washington, Vermont 2 $ 789,000 $ 394,500 $ 325,000
Fairfax, Virginia 2 $ 1,445,000 $ 722,500 $ 232,000
Portsmouth, Virginia 2 $ 292,000 $ 146,000 $ 190,000
Snohomish, Washington 2 $ 1,887,000 $ 943,500 $ 1,329,000
Coconino, Arizona 1 $ 280,000 $ 280,000 $ 596,000
Calaveras, California 1 $ 387,000 $ 387,000 $ 425,000
Del Norte, California 1 $ 37,000 $ 37,000 $ 36,000
Lake, California 1 $ 300,000 $ 300,000 $ 652,000
Madera, California 1 $ 938,000 $ 938,000 $ 0
Plumas, California 1 $ 1,200,000 $ 1,200,000 $ 1,504,000
San Benito, California 1 $ 304,000 $ 304,000 $ 96,000
Shasta, California 1 $ 355,000 $ 355,000 $ 859,000
Siskiyou, California 1 $ 167,000 $ 167,000 $ 311,000
Adams, Colorado 1 $ 407,000 $ 407,000 $ 282,000
Denver, Colorado 1 $ 285,000 $ 285,000 $ 102,000
Douglas, Colorado 1 $ 720,000 $ 720,000 $ 524,000
Fremont, Colorado 1 $ 980,000 $ 980,000 $ 4,091,000
Garfield, Colorado 1 $ 993,000 $ 993,000 $ 897,000
Grand, Colorado 1 $ 715,000 $ 715,000 $ 300,000
Summit, Colorado 1 $ 1,056,000 $ 1,056,000 $ 2,140,000
Broward, Florida 1 $ 400,000 $ 400,000 $ 315,000
Martin, Florida 1 $ 1,000,000 $ 1,000,000 $ 776,000
Nassau, Florida 1 $ 400,000 $ 400,000 $ 780,000
St. Lucie, Florida 1 $ 250,000 $ 250,000 $ 571,000
Walton, Florida 1 $ 250,000 $ 250,000 $ 296,000
Clayton, Georgia 1 $ 417,000 $ 417,000 $ 262,000
Fulton, Georgia 1 $ 900,000 $ 900,000 $ 266,000
Lincoln, Idaho 1 $ 548,000 $ 548,000 $ 1,679,000
Teton, Idaho 1 $ 124,000 $ 124,000 $ 0
Valley, Idaho 1 $ 1,400,000 $ 1,400,000 $ 1,210,000
Champaign, Illinois 1 $ 123,000 $ 123,000 $ 164,000
Polk, Iowa 1 $ 300,000 $ 300,000 $ 215,000
Cumberland, Maine 1 $ 335,000 $ 335,000 $ 500,000
Kennebec, Maine 1 $ 143,000 $ 143,000 $ 407,000
Knox, Maine 1 $ 690,000 $ 690,000 $ 315,000
Oxford, Maine 1 $ 417,000 $ 417,000 $ 1,272,000
Waldo, Maine 1 $ 739,000 $ 739,000 $ 1,040,000
Baltimore City, Maryland 1 $ 8,500,000 $ 8,500,000 $ 0
Montgomery, Maryland 1 $ 1,250,000 $ 1,250,000 $ 234,000
Berkshire, Massachusetts 1 $ 375,000 $ 375,000 $ 624,000
Hampden, Massachusetts 1 $ 417,000 $ 417,000 $ 258,000
Oakland, Michigan 1 $ 680,000 $ 680,000 $ 500,000
Washtenaw, Michigan 1 $ 722,000 $ 722,000 $ 530,000
Hennepin, Minnesota 1 $ 1,100,000 $ 1,100,000 $ 1,088,000
Flathead, Montana 1 $ 2,700,000 $ 2,700,000 $ 5,668,000
Gallatin, Montana 1 $ 970,000 $ 970,000 $ 1,598,000
Madison, Montana 1 $ 812,000 $ 812,000 $ 450,000
Ravalli, Montana 1 $ 560,000 $ 560,000 $ 218,000
Belknap, New Hampshire 1 $ 998,000 $ 998,000 $ 848,000
Atlantic, New Jersey 1 $ 400,000 $ 400,000 $ 132,000
Chautauqua, New York 1 $ 550,000 $ 550,000 $ 431,000
Greene, New York 1 $ 358,000 $ 358,000 $ 172,000
Lewis, New York 1 $ 82,000 $ 82,000 $ 0
Rensselaer, New York 1 $ 135,000 $ 135,000 $ 200,000
Chatham, North Carolina 1 $ 98,000 $ 98,000 $ 80,000
Franklin, Ohio 1 $ 200,000 $ 200,000 $ 15,000
Columbia, Oregon 1 $ 119,000 $ 119,000 $ 171,000
Crook, Oregon 1 $ 1,000,000 $ 1,000,000 $ 551,000
Lane, Oregon 1 $ 1,640,000 $ 1,640,000 $ 0
Lincoln, Oregon 1 $ 800,000 $ 800,000 $ 0
Chester, Pennsylvania 1 $ 701,000 $ 701,000 $ 255,000
Luzerne, Pennsylvania 1 $ 89,000 $ 89,000 $ 190,000
Montgomery, Pennsylvania 1 $ 1,500,000 $ 1,500,000 $ 791,000
Pike, Pennsylvania 1 $ 483,000 $ 483,000 $ 598,000
Wayne, Pennsylvania 1 $ 193,000 $ 193,000 $ 769,000
Spartanburg, South Carolina 1 $ 248,000 $ 248,000 $ 119,000
Dallas, Texas 1 $ 1,050,000 $ 1,050,000 $ 1,100,000
Davis, Utah 1 $ 224,000 $ 224,000 $ 73,000
Salt Lake, Utah 1 $ 2,000,000 $ 2,000,000 $ 1,929,000
Washington, Utah 1 $ 235,000 $ 235,000 $ 543,000
Rutland, Vermont 1 $ 182,000 $ 182,000 $ 310,000
Windham, Vermont 1 $ 825,000 $ 825,000 $ 2,407,000
Alexandria, Virginia 1 $ 417,000 $ 417,000 $ 137,000
Arlington, Virginia 1 $ 1,136,000 $ 1,136,000 $ 387,000
Loudoun, Virginia 1 $ 940,000 $ 940,000 $ 470,000
Spotsylvania, Virginia 1 $ 700,000 $ 700,000 $ 200,000
Virginia Beach, Virginia 1 $ 382,000 $ 382,000 $ 387,000
Ferry, Washington 1 $ 220,000 $ 220,000 $ 0
Thurston, Washington 1 $ 1,250,000 $ 1,250,000 $ 0

Mortgage Loan Application Detail Totals for First Republic Bank in 2012

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
Refinancing 6,939 $5,877,276,000 $846,000 $32,650,000 $436,000 $9,999,000
Home Purchase 4,718 $5,208,895,000 $1,104,000 $22,600,000 $531,000 $9,999,000
Home Improvement 879 $531,827,000 $605,000 $10,000,000 $196,000 $9,999,000

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 5,361 $4,672,720,000 $871,000 $10,000,000 $486,000 $9,999,000
Not Provided 4,607 $4,769,346,000 $1,035,000 $30,000,000 $586,000 $9,999,000
Not applicable 1,529 $1,383,099,000 $904,000 $32,650,000 $0 $48,000
Asian 767 $607,919,000 $792,000 $9,700,000 $363,000 $9,999,000
Hispanic 186 $118,073,000 $634,000 $3,500,000 $393,000 $9,999,000
Black or African American 60 $49,399,000 $823,000 $4,700,000 $594,000 $7,000,000
American Indian or Alaskan Native 15 $10,946,000 $729,000 $1,810,000 $598,000 $2,336,000
Native Hawaiian or Other Pacific Islander 11 $6,496,000 $590,000 $1,975,000 $362,000 $857,000

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) 12,536 $11,617,998,000 $926,000 $32,650,000 $455,000 $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 10,378 $9,400,054,000 $905,000 $32,650,000 $435,000 $9,999,000
Application Withdrawn By Applicant 1,165 $1,285,395,000 $1,103,000 $22,500,000 $638,000 $9,999,000
Application Denied By Financial Institution 493 $488,307,000 $990,000 $30,000,000 $382,000 $6,000,000
File Closed For Incompleteness 251 $285,589,000 $1,137,000 $10,000,000 $770,000 $9,999,000
Application Approved But Not Accepted 140 $136,554,000 $975,000 $7,000,000 $445,000 $8,900,000
Loan Purchased By The Institution 109 $22,099,000 $202,000 $498,000 $57,000 $413,000
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 2012 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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