First Republic Bank Mortgage Lending & HMDA Data, 2017
In 2017, First Republic Bank of San Francisco, CA reported 14,942 mortgage applications totaling $16.6 billion, up 12% from 2016. The average application was for $1,108,555, and applicants reported an average income of $435,066. 81% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (2,631), San Francisco-Redwood City-South San Francisco, CA (2,508) and New York-Jersey City-White Plains, NY-NJ (1,731) (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 | 14,942 |
| Total Mortgage Loan Application Amount | $16,564,041,000 |
| Average Mortgage Loan Application Amount | $1,108,555 |
| Highest Mortgage Loan Application Amount | $99,999,000 |
| Average Applicant Income | $435,066 |
| 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Act (HMDA) records First Republic Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 2,631 | $ 2,662,658,000 | $ 1,012,032 | $ 322,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2,508 | $ 3,294,621,000 | $ 1,313,644 | $ 415,000 |
| New York-Jersey City-White Plains, NY-NJ | 1,731 | $ 2,990,366,000 | $ 1,727,536 | $ 622,019 |
| Oakland-Hayward-Berkeley, CA | 1,483 | $ 1,110,234,000 | $ 748,640 | $ 244,000 |
| Boston, MA | 1,094 | $ 853,053,000 | $ 779,755 | $ 400,000 |
| San Diego-Carlsbad, CA | 866 | $ 660,973,000 | $ 763,248 | $ 215,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 695 | $ 773,047,000 | $ 1,112,297 | $ 387,000 |
| San Rafael, CA | 513 | $ 647,887,000 | $ 1,262,937 | $ 493,000 |
| Anaheim-Santa Ana-Irvine, CA | 476 | $ 529,687,000 | $ 1,112,787 | $ 473,000 |
| Cambridge-Newton-Framingham, MA | 336 | $ 289,051,000 | $ 860,270 | $ 504,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 306 | $ 154,884,000 | $ 506,156 | $ 160,156 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 269 | $ 148,337,000 | $ 551,438 | $ 316,000 |
| Nassau County-Suffolk County, NY | 243 | $ 475,121,000 | $ 1,955,230 | $ 1,172,000 |
| Bridgeport-Stamford-Norwalk, CT | 236 | $ 261,221,000 | $ 1,106,868 | $ 604,000 |
| Santa Rosa, CA | 181 | $ 166,102,000 | $ 917,690 | $ 422,000 |
| Napa, CA | 144 | $ 151,610,000 | $ 1,052,847 | $ 582,000 |
| Riverside-San Bernardino-Ontario, CA | 137 | $ 76,741,000 | $ 560,153 | $ 432,000 |
| Santa Maria-Santa Barbara, CA | 113 | $ 129,070,000 | $ 1,142,212 | $ 395,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 89 | $ 114,293,000 | $ 1,284,191 | $ 1,120,000 |
| Salinas, CA | 51 | $ 76,917,000 | $ 1,508,176 | $ 1,085,000 |
| Newark, NJ-PA | 48 | $ 39,430,000 | $ 821,458 | $ 811,000 |
| Barnstable Town, MA | 43 | $ 42,931,000 | $ 998,395 | $ 730,000 |
| Miami-Miami Beach-Kendall, FL | 36 | $ 71,239,000 | $ 1,978,861 | $ 2,127,000 |
| Seattle-Bellevue-Everett, WA | 30 | $ 73,819,000 | $ 2,460,633 | $ 224,000 |
| Santa Cruz-Watsonville, CA | 28 | $ 17,721,000 | $ 632,892 | $ 321,000 |
| Providence-Warwick, RI-MA | 23 | $ 31,335,000 | $ 1,362,391 | $ 726,304 |
| Oxnard-Thousand Oaks-Ventura, CA | 19 | $ 20,735,000 | $ 1,091,315 | $ 481,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 18 | $ 18,216,000 | $ 1,012,000 | $ 733,833 |
| Naples-Immokalee-Marco Island, FL | 17 | $ 16,521,000 | $ 971,823 | $ 588,000 |
| Phoenix-Mesa-Scottsdale, AZ | 15 | $ 10,220,000 | $ 681,333 | $ 1,300,000 |
| Denver-Aurora-Lakewood, CO | 14 | $ 10,455,000 | $ 746,785 | $ 645,000 |
| Urban Honolulu, HI | 14 | $ 14,214,000 | $ 1,015,285 | $ 492,000 |
| Austin-Round Rock, TX | 13 | $ 10,387,000 | $ 799,000 | $ 583,000 |
| Rockingham County-Strafford County, NH | 13 | $ 8,986,000 | $ 691,230 | $ 505,000 |
| Bend-Redmond, OR | 11 | $ 4,421,000 | $ 401,909 | $ 173,000 |
| Boulder, CO | 11 | $ 6,499,000 | $ 590,818 | $ 212,000 |
| Chicago-Naperville-Arlington Heights, IL | 11 | $ 12,265,000 | $ 1,115,000 | $ 626,000 |
| Reno, NV | 11 | $ 41,239,000 | $ 3,749,000 | $ 496,000 |
| Salem, OR | 11 | $ 14,371,000 | $ 1,306,454 | $ 54,000 |
| Dallas-Plano-Irving, TX | 10 | $ 9,270,000 | $ 927,000 | $ 1,089,000 |
| Vallejo-Fairfield, CA | 10 | $ 4,907,000 | $ 490,700 | $ 249,000 |
| Portland-South Portland, ME | 9 | $ 3,840,000 | $ 426,666 | $ 257,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 9 | $ 6,926,000 | $ 769,555 | $ 396,000 |
| Worcester, MA-CT | 9 | $ 4,176,000 | $ 464,000 | $ 363,444 |
| Kahului-Wailuku-Lahaina, HI | 8 | $ 7,693,000 | $ 961,625 | $ 760,000 |
| New Haven-Milford, CT | 8 | $ 2,409,000 | $ 301,125 | $ 858,000 |
| Montgomery County-Bucks County-Chester County, PA | 7 | $ 7,110,000 | $ 1,015,714 | $ 1,139,000 |
| Philadelphia, PA | 7 | $ 4,422,000 | $ 631,714 | $ 610,000 |
| Dutchess County-Putnam County, NY | 6 | $ 2,218,000 | $ 369,666 | $ 671,000 |
| Fort Worth-Arlington, TX | 6 | $ 4,460,000 | $ 743,333 | $ 1,810,000 |
| Port St. Lucie, FL | 6 | $ 18,874,000 | $ 3,145,666 | $ 2,794,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 2,942,000 | $ 490,333 | $ 328,000 |
| Charleston-North Charleston, SC | 5 | $ 4,698,000 | $ 939,600 | $ 944,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 2,764,000 | $ 552,800 | $ 383,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 5,689,000 | $ 1,137,800 | $ 1,473,000 |
| Pittsfield, MA | 5 | $ 6,662,000 | $ 1,332,400 | $ 598,000 |
| Salt Lake City, UT | 5 | $ 6,143,000 | $ 1,228,600 | $ 357,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 1,964,000 | $ 491,000 | $ 408,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 4,962,000 | $ 1,240,500 | $ 357,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 1,383,000 | $ 461,000 | $ 463,000 |
| Charlottesville, VA | 3 | $ 8,342,000 | $ 2,780,666 | $ 1,010,000 |
| Eugene, OR | 3 | $ 4,546,000 | $ 1,515,333 | $ 303,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 1,514,000 | $ 504,666 | $ 382,000 |
| Jacksonville, FL | 3 | $ 1,531,000 | $ 510,333 | $ 391,000 |
| Kingston, NY | 3 | $ 2,730,000 | $ 910,000 | $ 1,505,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 3,123,000 | $ 1,041,000 | $ 810,000 |
| Ocean City, NJ | 3 | $ 3,240,000 | $ 1,080,000 | $ 190,000 |
| Albany, OR | 2 | $ 404,000 | $ 202,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 3,301,000 | $ 1,650,500 | $ 1,328,000 |
| Corvallis, OR | 2 | $ 1,500,000 | $ 750,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 2,348,000 | $ 1,174,000 | $ 986,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 4,974,000 | $ 2,487,000 | $ 2,910,000 |
| Raleigh, NC | 2 | $ 1,415,000 | $ 707,500 | $ 561,000 |
| Santa Fe, NM | 2 | $ 1,453,000 | $ 726,500 | $ 307,000 |
| Asheville, NC | 1 | $ 1,000,000 | $ 1,000,000 | $ 2,011,000 |
| Bremerton-Silverdale, WA | 1 | $ 1,026,000 | $ 1,026,000 | $ 1,028,000 |
| Brunswick, GA | 1 | $ 1,375,000 | $ 1,375,000 | $ 1,421,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 213,000 | $ 213,000 | $ 47,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 550,000 | $ 550,000 | $ 321,000 |
| Lexington-Fayette, KY | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Longview, WA | 1 | $ 278,000 | $ 278,000 | $ 185,000 |
| Manchester-Nashua, NH | 1 | $ 241,000 | $ 241,000 | $ 203,000 |
| Medford, OR | 1 | $ 600,000 | $ 600,000 | $ 80,000 |
| Norwich-New London, CT | 1 | $ 1,495,000 | $ 1,495,000 | $ 316,000 |
| Ogden-Clearfield, UT | 1 | $ 471,000 | $ 471,000 | $ 429,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 105,000 | $ 105,000 | $ 152,000 |
| Provo-Orem, UT | 1 | $ 11,400,000 | $ 11,400,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 420,000 | $ 420,000 | $ 132,000 |
| Savannah, GA | 1 | $ 509,000 | $ 509,000 | $ 146,000 |
| Spokane-Spokane Valley, WA | 1 | $ 780,000 | $ 780,000 | $ 737,000 |
| Springfield, MA | 1 | $ 348,000 | $ 348,000 | $ 235,000 |
| Trenton, NJ | 1 | $ 1,050,000 | $ 1,050,000 | $ 450,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 270,000 | $ 270,000 | $ 350,000 |
| Walla Walla, WA | 1 | $ 280,000 | $ 280,000 | $ 189,000 |
| Wilmington, NC | 1 | $ 476,000 | $ 476,000 | $ 156,000 |
Mortgage Loan Application Detail Totals for First Republic Bank in 2017
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 | 7,524 | $9,531,891,000 | $1,266,000 | $95,000,000 | $492,000 | $9,999,000 |
| Refinancing | 6,333 | $5,747,987,000 | $907,000 | $99,999,000 | $382,000 | $9,999,000 |
| Home Improvement | 1,085 | $1,284,163,000 | $1,183,000 | $65,000,000 | $350,000 | $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 | 7,278 | $7,597,714,000 | $1,043,000 | $19,000,000 | $539,000 | $9,999,000 |
| Not Provided | 2,512 | $3,181,139,000 | $1,266,000 | $15,000,000 | $716,000 | $9,999,000 |
| Not applicable | 2,084 | $3,898,417,000 | $1,870,000 | $99,999,000 | $0 | $0 |
| Asian | 1,546 | $1,204,405,000 | $779,000 | $24,000,000 | $313,000 | $9,999,000 |
| Hispanic | 814 | $364,962,000 | $448,000 | $5,252,000 | $175,000 | $9,999,000 |
| Black or African American | 646 | $286,167,000 | $442,000 | $11,775,000 | $215,000 | $5,051,000 |
| American Indian or Alaskan Native | 35 | $19,039,000 | $543,000 | $1,482,000 | $169,000 | $420,000 |
| Native Hawaiian or Other Pacific Islander | 27 | $12,198,000 | $451,000 | $1,250,000 | $217,000 | $1,682,000 |
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) | 14,942 | $16,564,041,000 | $1,108,000 | $99,999,000 | $435,000 | $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 | 12,133 | $14,046,382,000 | $1,157,000 | $95,000,000 | $447,000 | $9,999,000 |
| Application Withdrawn By Applicant | 1,080 | $1,497,060,000 | $1,386,000 | $99,999,000 | $625,000 | $9,999,000 |
| Loan Purchased By The Institution | 1,022 | $277,191,000 | $271,000 | $4,026,000 | $64,000 | $1,664,000 |
| File Closed For Incompleteness | 282 | $330,448,000 | $1,171,000 | $10,450,000 | $586,000 | $9,999,000 |
| Application Denied By Financial Institution | 272 | $223,088,000 | $820,000 | $13,000,000 | $320,000 | $7,542,000 |
| Application Approved But Not Accepted | 153 | $189,872,000 | $1,240,000 | $12,670,000 | $568,000 | $7,088,000 |
| 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 2017 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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