First Republic Bank Mortgage Lending & HMDA Data, 2007

In 2007, First Republic Bank of San Franciso, CA reported 2,815 mortgage applications totaling $3.5 billion. The average application was for $1,252,725, and applicants reported an average income of $728,585. 85% of its applications resulted in an originated loan and 0% were denied. Its largest markets were San Francisco-San Mateo-Redwood City, CA (881), New York-White Plains-Wayne, NY-NJ (315) and Oakland-Fremont-Hayward, CA (203) (applications in parentheses).

Mortgage Company & Address First Republic Bank
111 Pine Street
San Franciso, CA 94111
Tel #: available with data download
Federal Regulator * available with data download
Years 2007  
Total Number of Mortgage Applications 2,815
Total Mortgage Loan Application Amount $3,526,422,000
Average Mortgage Loan Application Amount $1,252,725
Highest Mortgage Loan Application Amount $32,000,000
Average Applicant Income $728,585
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Act (HMDA) records First Republic Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

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 581 $ 614,383,000 $ 1,057,457 $ 414,000
New York, New York 227 $ 363,611,000 $ 1,601,810 $ 1,187,000
San Mateo, California 192 $ 273,005,000 $ 1,421,901 $ 541,000
Los Angeles, California 155 $ 253,028,000 $ 1,632,438 $ 954,000
San Diego, California 142 $ 194,560,000 $ 1,370,140 $ 412,000
Santa Clara, California 134 $ 144,255,000 $ 1,076,529 $ 584,000
Alameda, California 112 $ 109,583,000 $ 978,419 $ 331,000
Marin, California 108 $ 170,428,000 $ 1,578,037 $ 687,000
Sonoma, California 103 $ 71,119,000 $ 690,475 $ 324,000
Contra Costa, California 91 $ 97,175,000 $ 1,067,857 $ 593,000
Orange, California 79 $ 149,383,000 $ 1,890,924 $ 931,000
Fairfield, Connecticut 58 $ 124,178,000 $ 2,141,000 $ 1,398,000
Suffolk, New York 47 $ 99,212,000 $ 2,110,893 $ 2,006,000
Westchester, New York 45 $ 52,696,000 $ 1,171,022 $ 903,000
Napa, California 36 $ 41,817,000 $ 1,161,583 $ 568,000
Suffolk, Massachusetts 31 $ 31,249,000 $ 1,008,032 $ 1,128,000
Riverside, California 29 $ 28,151,000 $ 970,724 $ 1,105,000
Marion, Oregon 29 $ 14,278,000 $ 492,344 $ 0
Santa Barbara, California 26 $ 64,579,000 $ 2,483,807 $ 1,621,000
Middlesex, Massachusetts 26 $ 31,103,000 $ 1,196,269 $ 1,492,000
Norfolk, Massachusetts 23 $ 19,980,000 $ 868,695 $ 621,000
Placer, California 20 $ 21,460,000 $ 1,073,000 $ 1,172,000
Clark, Nevada 19 $ 21,147,000 $ 1,113,000 $ 984,000
Kings, New York 17 $ 24,766,000 $ 1,456,823 $ 496,000
Nassau, New York 16 $ 15,563,000 $ 972,687 $ 505,000
Washington, Oregon 15 $ 3,278,000 $ 218,533 $ 600,000
Monterey, California 14 $ 17,261,000 $ 1,232,928 $ 919,000
Palm Beach, Florida 14 $ 22,542,000 $ 1,610,142 $ 1,124,000
Dukes, Massachusetts 14 $ 5,215,000 $ 372,500 $ 643,000
Essex, Massachusetts 14 $ 14,271,000 $ 1,019,357 $ 831,000
Bergen, New Jersey 14 $ 14,597,000 $ 1,042,642 $ 622,000
Multnomah, Oregon 14 $ 10,047,000 $ 717,642 $ 249,000
King, Washington 13 $ 8,665,000 $ 666,538 $ 329,000
Nantucket, Massachusetts 12 $ 20,715,000 $ 1,726,250 $ 1,454,000
Nevada, California 9 $ 5,608,000 $ 623,111 $ 361,000
Barnstable, Massachusetts 9 $ 15,874,000 $ 1,763,777 $ 1,086,000
Washoe, Nevada 9 $ 17,035,000 $ 1,892,777 $ 789,000
Hawaii, Hawaii 8 $ 12,163,000 $ 1,520,375 $ 1,138,000
Santa Cruz, California 7 $ 3,613,000 $ 516,142 $ 455,000
Blaine, Idaho 7 $ 8,490,000 $ 1,212,857 $ 850,000
Gallatin, Montana 7 $ 13,807,000 $ 1,972,428 $ 4,090,000
Maricopa, Arizona 6 $ 6,935,000 $ 1,155,833 $ 815,000
Ventura, California 6 $ 5,742,000 $ 957,000 $ 207,000
Collier, Florida 6 $ 10,371,000 $ 1,728,500 $ 1,380,000
Kauai, Hawaii 6 $ 11,038,000 $ 1,839,666 $ 3,634,000
Maui, Hawaii 6 $ 13,755,000 $ 2,292,500 $ 1,102,000
Monmouth, New Jersey 6 $ 8,724,000 $ 1,454,000 $ 1,366,000
Union, New Jersey 6 $ 6,827,000 $ 1,137,833 $ 507,000
Queens, New York 6 $ 1,931,000 $ 321,833 $ 295,000
Solano, California 5 $ 8,440,000 $ 1,688,000 $ 394,000
Eagle, Colorado 5 $ 8,031,000 $ 1,606,200 $ 1,303,000
Pitkin, Colorado 5 $ 8,480,000 $ 1,696,000 $ 2,198,000
Essex, New Jersey 5 $ 4,661,000 $ 932,200 $ 810,000
Summit, Utah 5 $ 6,864,000 $ 1,372,800 $ 2,850,000
El Dorado, California 4 $ 3,207,000 $ 801,750 $ 360,000
Mendocino, California 4 $ 3,740,000 $ 935,000 $ 806,000
Stanislaus, California 4 $ 6,274,000 $ 1,568,500 $ 84,000
Hartford, Connecticut 4 $ 3,253,000 $ 813,250 $ 867,000
Litchfield, Connecticut 4 $ 3,831,000 $ 957,750 $ 279,000
Hillsborough, Florida 4 $ 1,807,000 $ 451,750 $ 303,000
Plymouth, Massachusetts 4 $ 2,225,000 $ 556,250 $ 356,000
Ocean, New Jersey 4 $ 6,421,000 $ 1,605,250 $ 1,094,000
Somerset, New Jersey 4 $ 5,631,000 $ 1,407,750 $ 1,107,000
Beaufort, South Carolina 4 $ 1,606,000 $ 401,500 $ 623,000
Sacramento, California 3 $ 2,042,000 $ 680,666 $ 183,000
Miami-Dade, Florida 3 $ 4,460,000 $ 1,486,666 $ 1,331,000
Baltimore, Maryland 3 $ 1,828,000 $ 609,333 $ 283,000
Rockingham, New Hampshire 3 $ 5,253,000 $ 1,751,000 $ 3,834,000
Hudson, New Jersey 3 $ 1,617,000 $ 539,000 $ 291,000
Hunterdon, New Jersey 3 $ 2,595,000 $ 865,000 $ 351,000
Morris, New Jersey 3 $ 3,638,000 $ 1,212,666 $ 514,000
Deschutes, Oregon 3 $ 2,421,000 $ 807,000 $ 806,000
Chester, Pennsylvania 3 $ 3,415,000 $ 1,138,333 $ 3,026,000
Philadelphia, Pennsylvania 3 $ 3,900,000 $ 1,300,000 $ 818,000
Calaveras, California 2 $ 1,490,000 $ 745,000 $ 1,237,000
San Bernardino, California 2 $ 2,540,000 $ 1,270,000 $ 1,011,000
San Luis Obispo, California 2 $ 1,474,000 $ 737,000 $ 2,544,000
Arapahoe, Colorado 2 $ 12,950,000 $ 6,475,000 $ 5,325,000
Middlesex, Connecticut 2 $ 1,320,000 $ 660,000 $ 572,000
Indian River, Florida 2 $ 3,600,000 $ 1,800,000 $ 2,606,000
St. Johns, Florida 2 $ 587,000 $ 293,500 $ 194,000
Walton, Florida 2 $ 1,296,000 $ 648,000 $ 671,000
Fulton, Georgia 2 $ 3,172,000 $ 1,586,000 $ 3,594,000
Honolulu, Hawaii 2 $ 1,639,000 $ 819,500 $ 0
Cook, Illinois 2 $ 853,000 $ 426,500 $ 958,000
York, Maine 2 $ 1,350,000 $ 675,000 $ 910,000
Montgomery, Maryland 2 $ 1,643,000 $ 821,500 $ 391,000
Berkshire, Massachusetts 2 $ 3,800,000 $ 1,900,000 $ 3,408,000
Bristol, Massachusetts 2 $ 3,575,000 $ 1,787,500 $ 780,000
Hennepin, Minnesota 2 $ 2,010,000 $ 1,005,000 $ 415,000
Douglas, Nevada 2 $ 6,031,000 $ 3,015,500 $ 1,350,000
Mercer, New Jersey 2 $ 886,000 $ 443,000 $ 517,000
Santa Fe, New Mexico 2 $ 1,136,000 $ 568,000 $ 600,000
Taos, New Mexico 2 $ 991,000 $ 495,500 $ 391,000
Dutchess, New York 2 $ 2,350,000 $ 1,175,000 $ 941,000
Erie, New York 2 $ 368,000 $ 184,000 $ 612,000
Putnam, New York 2 $ 911,000 $ 455,500 $ 574,000
Rensselaer, New York 2 $ 142,000 $ 71,000 $ 98,000
Klamath, Oregon 2 $ 1,100,000 $ 550,000 $ 330,000
Yamhill, Oregon 2 $ 600,000 $ 300,000 $ 321,000
Allegheny, Pennsylvania 2 $ 183,000 $ 91,500 $ 303,000
Bucks, Pennsylvania 2 $ 1,725,000 $ 862,500 $ 642,000
Newport, Rhode Island 2 $ 3,550,000 $ 1,775,000 $ 563,000
Dallas, Texas 2 $ 2,675,000 $ 1,337,500 $ 931,000
Williamson, Texas 2 $ 584,000 $ 292,000 $ 15,000
Windsor, Vermont 2 $ 2,328,000 $ 1,164,000 $ 499,000
Albemarle, Virginia 2 $ 8,020,000 $ 4,010,000 $ 551,000
Fairfax, Virginia 2 $ 1,976,000 $ 988,000 $ 866,000
Klickitat, Washington 2 $ 312,000 $ 156,000 $ 0
Teton, Wyoming 2 $ 1,908,000 $ 954,000 $ 219,000
Juneau, Alaska 1 $ 182,000 $ 182,000 $ 39,000
Pima, Arizona 1 $ 960,000 $ 960,000 $ 450,000
Pinal, Arizona 1 $ 120,000 $ 120,000 $ 139,000
Amador, California 1 $ 1,725,000 $ 1,725,000 $ 2,575,000
Butte, California 1 $ 75,000 $ 75,000 $ 53,000
Fresno, California 1 $ 350,000 $ 350,000 $ 82,000
Imperial, California 1 $ 285,000 $ 285,000 $ 130,000
Kern, California 1 $ 220,000 $ 220,000 $ 336,000
Lake, California 1 $ 285,000 $ 285,000 $ 208,000
Madera, California 1 $ 203,000 $ 203,000 $ 233,000
Plumas, California 1 $ 1,100,000 $ 1,100,000 $ 406,000
Denver, Colorado 1 $ 500,000 $ 500,000 $ 258,000
Douglas, Colorado 1 $ 1,400,000 $ 1,400,000 $ 505,000
Gunnison, Colorado 1 $ 1,000,000 $ 1,000,000 $ 262,000
Mesa, Colorado 1 $ 138,000 $ 138,000 $ 25,000
San Miguel, Colorado 1 $ 5,250,000 $ 5,250,000 $ 2,800,000
Summit, Colorado 1 $ 1,100,000 $ 1,100,000 $ 0
New Haven, Connecticut 1 $ 476,000 $ 476,000 $ 159,000
Sussex, Delaware 1 $ 1,120,000 $ 1,120,000 $ 957,000
District of Columbia, District Of Columbia 1 $ 1,600,000 $ 1,600,000 $ 675,000
Broward, Florida 1 $ 1,150,000 $ 1,150,000 $ 836,000
Escambia, Florida 1 $ 380,000 $ 380,000 $ 120,000
Lee, Florida 1 $ 1,000,000 $ 1,000,000 $ 1,006,000
Leon, Florida 1 $ 240,000 $ 240,000 $ 127,000
Martin, Florida 1 $ 140,000 $ 140,000 $ 77,000
Monroe, Florida 1 $ 700,000 $ 700,000 $ 959,000
Sarasota, Florida 1 $ 250,000 $ 250,000 $ 6,337,000
Sumter, Florida 1 $ 174,000 $ 174,000 $ 57,000
Cobb, Georgia 1 $ 565,000 $ 565,000 $ 238,000
DeKalb, Georgia 1 $ 298,000 $ 298,000 $ 127,000
Marion, Indiana 1 $ 245,000 $ 245,000 $ 200,000
Cumberland, Maine 1 $ 417,000 $ 417,000 $ 141,000
Washington, Maine 1 $ 150,000 $ 150,000 $ 201,000
Anne Arundel, Maryland 1 $ 585,000 $ 585,000 $ 192,000
Emmet, Michigan 1 $ 200,000 $ 200,000 $ 0
Flathead, Montana 1 $ 1,750,000 $ 1,750,000 $ 0
Ravalli, Montana 1 $ 1,100,000 $ 1,100,000 $ 780,000
Belknap, New Hampshire 1 $ 1,400,000 $ 1,400,000 $ 1,286,000
Hillsborough, New Hampshire 1 $ 488,000 $ 488,000 $ 390,000
Cape May, New Jersey 1 $ 563,000 $ 563,000 $ 1,566,000
Gloucester, New Jersey 1 $ 240,000 $ 240,000 $ 238,000
Bernalillo, New Mexico 1 $ 151,000 $ 151,000 $ 230,000
Broome, New York 1 $ 200,000 $ 200,000 $ 163,000
Delaware, New York 1 $ 300,000 $ 300,000 $ 217,000
Orange, New York 1 $ 592,000 $ 592,000 $ 247,000
Rockland, New York 1 $ 1,100,000 $ 1,100,000 $ 862,000
Saratoga, New York 1 $ 194,000 $ 194,000 $ 116,000
Sullivan, New York 1 $ 860,000 $ 860,000 $ 1,084,000
Ulster, New York 1 $ 375,000 $ 375,000 $ 436,000
Brunswick, North Carolina 1 $ 2,830,000 $ 2,830,000 $ 949,000
Buncombe, North Carolina 1 $ 400,000 $ 400,000 $ 93,000
Durham, North Carolina 1 $ 491,000 $ 491,000 $ 298,000
McDowell, North Carolina 1 $ 740,000 $ 740,000 $ 381,000
Moore, North Carolina 1 $ 361,000 $ 361,000 $ 143,000
Wake, North Carolina 1 $ 156,000 $ 156,000 $ 227,000
Wood, Ohio 1 $ 1,000,000 $ 1,000,000 $ 2,434,000
Oklahoma, Oklahoma 1 $ 600,000 $ 600,000 $ 655,000
Monroe, Pennsylvania 1 $ 320,000 $ 320,000 $ 675,000
Montgomery, Pennsylvania 1 $ 440,000 $ 440,000 $ 1,598,000
Pike, Pennsylvania 1 $ 250,000 $ 250,000 $ 275,000
Charleston, South Carolina 1 $ 2,800,000 $ 2,800,000 $ 0
Williamson, Tennessee 1 $ 620,000 $ 620,000 $ 166,000
Bexar, Texas 1 $ 234,000 $ 234,000 $ 242,000
Collin, Texas 1 $ 800,000 $ 800,000 $ 257,000
Harris, Texas 1 $ 84,000 $ 84,000 $ 644,000
Tarrant, Texas 1 $ 1,047,000 $ 1,047,000 $ 300,000
Travis, Texas 1 $ 135,000 $ 135,000 $ 1,966,000
Davis, Utah 1 $ 229,000 $ 229,000 $ 650,000
Utah, Utah 1 $ 157,000 $ 157,000 $ 923,000
Bennington, Vermont 1 $ 588,000 $ 588,000 $ 300,000
Caledonia, Vermont 1 $ 182,000 $ 182,000 $ 283,000
Arlington, Virginia 1 $ 664,000 $ 664,000 $ 355,000
Loudoun, Virginia 1 $ 950,000 $ 950,000 $ 557,000
Snohomish, Washington 1 $ 520,000 $ 520,000 $ 113,000

Mortgage Loan Application Detail Totals for First Republic Bank in 2007

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 1,596 $2,189,644,000 $1,371,000 $32,000,000 $820,000 $9,999,000
Refinancing 1,034 $1,131,922,000 $1,094,000 $17,500,000 $652,000 $9,999,000
Home Improvement 185 $204,856,000 $1,107,000 $13,600,000 $368,000 $3,817,000

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 1,243 $1,631,173,000 $1,312,000 $18,750,000 $959,000 $9,999,000
White 1,121 $1,252,657,000 $1,117,000 $20,000,000 $695,000 $9,999,000
Not applicable 339 $507,147,000 $1,496,000 $32,000,000 $1,000 $400,000
Asian 65 $81,588,000 $1,255,000 $5,075,000 $494,000 $2,604,000
Hispanic 30 $27,212,000 $907,000 $3,375,000 $700,000 $9,999,000
Black or African American 14 $25,540,000 $1,824,000 $11,000,000 $1,948,000 $9,999,000
Native Hawaiian or Other Pacific Islander 2 $585,000 $292,000 $336,000 $177,000 $223,000
American Indian or Alaskan Native 1 $520,000 $520,000 $520,000 $113,000 $113,000

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) 2,815 $3,526,422,000 $1,252,000 $32,000,000 $729,000 $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 2,404 $2,938,150,000 $1,222,000 $32,000,000 $724,000 $9,999,000
Application Withdrawn By Applicant 299 $419,437,000 $1,402,000 $18,750,000 $794,000 $9,999,000
Application Approved But Not Accepted 48 $77,679,000 $1,618,000 $11,000,000 $757,000 $9,999,000
File Closed For Incompleteness 40 $58,144,000 $1,453,000 $5,500,000 $866,000 $5,780,000
Application Denied By Financial Institution 12 $30,395,000 $2,532,000 $20,000,000 $196,000 $700,000
Loan Purchased By The Institution 12 $2,617,000 $218,000 $302,000 $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
Debt-To-Income Ratio 8 $6,480,000 $810,000 $1,506,000 $224,000 $700,000
Credit History 2 $2,525,000 $1,262,000 $1,600,000 $281,000 $400,000
Collateral 1 $1,390,000 $1,390,000 $1,390,000 $0 $0
Other 1 $20,000,000 $20,000,000 $20,000,000 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Credit Application Incomplete 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

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Republic Bank's 2007 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.
For a list of all lenders in California, download the full spreadsheet with aggregated HMDA statistics today.

Download the California Lender List