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Act (HMDA) records First Republic Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 881 | $ 1,057,816,000 | $ 1,200,699 | $ 475,000 |
| New York-White Plains-Wayne, NY-NJ | 315 | $ 461,229,000 | $ 1,464,219 | $ 1,053,990 |
| Oakland-Fremont-Hayward, CA | 203 | $ 206,758,000 | $ 1,018,512 | $ 448,000 |
| Los Angeles-Long Beach-Glendale, CA | 155 | $ 253,028,000 | $ 1,632,438 | $ 954,000 |
| San Diego-Carlsbad-San Marcos, CA | 142 | $ 194,560,000 | $ 1,370,140 | $ 412,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 134 | $ 144,255,000 | $ 1,076,529 | $ 584,000 |
| Santa Rosa-Petaluma, CA | 103 | $ 71,119,000 | $ 690,475 | $ 324,000 |
| Santa Ana-Anaheim-Irvine, CA | 79 | $ 149,383,000 | $ 1,890,924 | $ 931,000 |
| Nassau-Suffolk, NY | 63 | $ 114,775,000 | $ 1,821,825 | $ 1,625,000 |
| Boston-Quincy, MA | 58 | $ 53,454,000 | $ 921,620 | $ 874,000 |
| Bridgeport-Stamford-Norwalk, CT | 58 | $ 124,178,000 | $ 2,141,000 | $ 1,398,000 |
| Napa, CA | 36 | $ 41,817,000 | $ 1,161,583 | $ 568,000 |
| Portland-Vancouver-Beaverton, OR-WA | 31 | $ 13,925,000 | $ 449,193 | $ 424,000 |
| Riverside-San Bernardino-Ontario, CA | 31 | $ 30,691,000 | $ 990,032 | $ 1,099,000 |
| Salem, OR | 29 | $ 14,278,000 | $ 492,344 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 27 | $ 26,709,000 | $ 989,222 | $ 942,000 |
| Cambridge-Newton-Framingham, MA | 26 | $ 31,103,000 | $ 1,196,269 | $ 1,492,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 26 | $ 64,579,000 | $ 2,483,807 | $ 1,621,000 |
| Las Vegas-Paradise, NV | 19 | $ 21,147,000 | $ 1,113,000 | $ 984,000 |
| Newark-Union, NJ-PA | 18 | $ 17,971,000 | $ 998,388 | $ 553,611 |
| Edison, NJ | 14 | $ 20,776,000 | $ 1,484,000 | $ 1,214,000 |
| Peabody, MA | 14 | $ 14,271,000 | $ 1,019,357 | $ 831,000 |
| Salinas, CA | 14 | $ 17,261,000 | $ 1,232,928 | $ 919,000 |
| Seattle-Bellevue-Everett, WA | 14 | $ 9,185,000 | $ 656,071 | $ 314,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 14 | $ 22,542,000 | $ 1,610,142 | $ 1,124,000 |
| Barnstable Town, MA | 9 | $ 15,874,000 | $ 1,763,777 | $ 1,086,000 |
| Philadelphia, PA | 9 | $ 9,480,000 | $ 1,053,333 | $ 1,601,000 |
| Reno-Sparks, NV | 9 | $ 17,035,000 | $ 1,892,777 | $ 789,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 7,055,000 | $ 1,007,857 | $ 719,000 |
| Santa Cruz-Watsonville, CA | 7 | $ 3,613,000 | $ 516,142 | $ 455,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 4,573,000 | $ 762,166 | $ 769,000 |
| Naples-Marco Island, FL | 6 | $ 10,371,000 | $ 1,728,500 | $ 1,380,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 5,742,000 | $ 957,000 | $ 207,000 |
| Salt Lake City, UT | 5 | $ 6,864,000 | $ 1,372,800 | $ 2,850,000 |
| Vallejo-Fairfield, CA | 5 | $ 8,440,000 | $ 1,688,000 | $ 394,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 5,190,000 | $ 1,038,000 | $ 663,800 |
| Atlanta-Sandy Springs-Marietta, GA | 4 | $ 4,035,000 | $ 1,008,750 | $ 1,888,000 |
| Baltimore-Towson, MD | 4 | $ 2,413,000 | $ 603,250 | $ 260,000 |
| Denver-Aurora, CO | 4 | $ 14,850,000 | $ 3,712,500 | $ 2,853,000 |
| Modesto, CA | 4 | $ 6,274,000 | $ 1,568,500 | $ 84,000 |
| Providence-New Bedford-Fall River, RI-MA | 4 | $ 7,125,000 | $ 1,781,250 | $ 671,500 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,807,000 | $ 451,750 | $ 303,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 336,000 | $ 112,000 | $ 104,000 |
| Austin-Round Rock, TX | 3 | $ 719,000 | $ 239,666 | $ 665,000 |
| Bend, OR | 3 | $ 2,421,000 | $ 807,000 | $ 806,000 |
| Dallas-Plano-Irving, TX | 3 | $ 3,475,000 | $ 1,158,333 | $ 706,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 4,460,000 | $ 1,486,666 | $ 1,331,000 |
| Portland-South Portland-Biddeford, ME | 3 | $ 1,767,000 | $ 589,000 | $ 654,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 3 | $ 2,942,000 | $ 980,666 | $ 710,000 |
| Rockingham County-Strafford County, NH | 3 | $ 5,253,000 | $ 1,751,000 | $ 3,834,000 |
| Bethesda-Gaithersburg-Frederick, MD | 2 | $ 1,643,000 | $ 821,500 | $ 391,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 368,000 | $ 184,000 | $ 612,000 |
| Charlottesville, VA | 2 | $ 8,020,000 | $ 4,010,000 | $ 551,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 853,000 | $ 426,500 | $ 958,000 |
| Honolulu, HI | 2 | $ 1,639,000 | $ 819,500 | $ 0 |
| Jacksonville, FL | 2 | $ 587,000 | $ 293,500 | $ 194,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 2,010,000 | $ 1,005,000 | $ 415,000 |
| Pittsburgh, PA | 2 | $ 183,000 | $ 91,500 | $ 303,000 |
| Pittsfield, MA | 2 | $ 3,800,000 | $ 1,900,000 | $ 3,408,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 1,474,000 | $ 737,000 | $ 2,544,000 |
| Santa Fe, NM | 2 | $ 1,136,000 | $ 568,000 | $ 600,000 |
| Sebastian-Vero Beach, FL | 2 | $ 3,600,000 | $ 1,800,000 | $ 2,606,000 |
| Trenton-Ewing, NJ | 2 | $ 886,000 | $ 443,000 | $ 517,000 |
| Albuquerque, NM | 1 | $ 151,000 | $ 151,000 | $ 230,000 |
| Asheville, NC | 1 | $ 400,000 | $ 400,000 | $ 93,000 |
| Bakersfield, CA | 1 | $ 220,000 | $ 220,000 | $ 336,000 |
| Binghamton, NY | 1 | $ 200,000 | $ 200,000 | $ 163,000 |
| Camden, NJ | 1 | $ 240,000 | $ 240,000 | $ 238,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,006,000 |
| Charleston-North Charleston, SC | 1 | $ 2,800,000 | $ 2,800,000 | $ 0 |
| Chico, CA | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Durham, NC | 1 | $ 491,000 | $ 491,000 | $ 298,000 |
| El Centro, CA | 1 | $ 285,000 | $ 285,000 | $ 130,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 1,150,000 | $ 1,150,000 | $ 836,000 |
| Fort Worth-Arlington, TX | 1 | $ 1,047,000 | $ 1,047,000 | $ 300,000 |
| Fresno, CA | 1 | $ 350,000 | $ 350,000 | $ 82,000 |
| Grand Junction, CO | 1 | $ 138,000 | $ 138,000 | $ 25,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 84,000 | $ 84,000 | $ 644,000 |
| Indianapolis-Carmel, IN | 1 | $ 245,000 | $ 245,000 | $ 200,000 |
| Kingston, NY | 1 | $ 375,000 | $ 375,000 | $ 436,000 |
| Madera, CA | 1 | $ 203,000 | $ 203,000 | $ 233,000 |
| Manchester-Nashua, NH | 1 | $ 488,000 | $ 488,000 | $ 390,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 620,000 | $ 620,000 | $ 166,000 |
| New Haven-Milford, CT | 1 | $ 476,000 | $ 476,000 | $ 159,000 |
| Ocean City, NJ | 1 | $ 563,000 | $ 563,000 | $ 1,566,000 |
| Ogden-Clearfield, UT | 1 | $ 229,000 | $ 229,000 | $ 650,000 |
| Oklahoma City, OK | 1 | $ 600,000 | $ 600,000 | $ 655,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 380,000 | $ 380,000 | $ 120,000 |
| Port St. Lucie, FL | 1 | $ 140,000 | $ 140,000 | $ 77,000 |
| Provo-Orem, UT | 1 | $ 157,000 | $ 157,000 | $ 923,000 |
| Raleigh-Cary, NC | 1 | $ 156,000 | $ 156,000 | $ 227,000 |
| San Antonio, TX | 1 | $ 234,000 | $ 234,000 | $ 242,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 250,000 | $ 250,000 | $ 6,337,000 |
| Tallahassee, FL | 1 | $ 240,000 | $ 240,000 | $ 127,000 |
| Toledo, OH | 1 | $ 1,000,000 | $ 1,000,000 | $ 2,434,000 |
| Tucson, AZ | 1 | $ 960,000 | $ 960,000 | $ 450,000 |
| Wilmington, NC | 1 | $ 2,830,000 | $ 2,830,000 | $ 949,000 |
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.
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