First Republic Bank Mortgage Rates, Fees & Info

San Francisco, CA

LEI: YWC0TIKBQM2JV8L4IV08

Tax ID: 80-0513856

5 stars - Updated: 6/9/24 - out of 5 stars, based on 76 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

First Republic Bank is a large bank specializing in Home Purchase loans. First Republic Bank has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, San Francisco, New York, San Diego, and Boston among others. We have data for 103 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Republic Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Republic Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 6/9/24
30 Year Conventional Purchase 4.96% 6/9/24
30 Year Conventional Refi 5.36% 6/9/24
30 Year Cash-out Refi 5.44% 6/9/24
30 Year FHA Purchase 6.27% 6/9/24
15 Year Conventional Purchase 4.77% 6/9/24
15 Year Conventional Refi 5.19% 6/9/24
15 Year Cash-out Refi 5.19% 6/9/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

First Republic Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First Republic Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

5,810

Origination Dollar Volume (All Markets)

$7,553,180,000
Show all (31) awards

Relative Rate

First Republic Bank's average 30 year fixed mortgage rate was 4.76%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -1.72%.

Relative Fees (Closing Costs)

First Republic Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,186.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1,232 $2,110,230,000 $1,712,849 $5,104 5.03%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1,559 $1,521,355,000 $975,853 $4,180 5.29%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 996 $1,168,160,000 $1,172,851 $5,220 4.79%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 369 $481,435,000 $1,304,702 $5,520 5.37%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 415 $440,615,000 $1,061,723 $4,478 5.16%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 193 $364,255,000 $1,887,332 $11,168 5.14%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 242 $279,260,000 $1,153,967 $2,627 5.14%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 36 $123,460,000 $3,429,444 $6,464 5.22%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 94 $106,560,000 $1,133,617 $3,397 5.16%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 58 $89,310,000 $1,539,828 $5,613 5.61%
Outside of Metro Areas 32 $81,110,000 $2,534,688 $8,273 5.33%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 54 $79,840,000 $1,478,519 $5,383 5.28%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 15 $75,965,000 $5,064,333 $5,278 5.28%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 54 $71,490,000 $1,323,889 $10,290 5.03%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 33 $65,515,000 $1,985,303 $13,674 5.54%
Jackson, WY-ID (FHA|USDA|VA) 29 $50,285,000 $1,733,966 $4,999 5.67%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 24 $39,600,000 $1,650,000 $10,874 5.44%
NAPA, CA (FHA|USDA|VA) 48 $39,240,000 $817,500 $4,583 5.49%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $24,885,000 $8,295,000 $9,322 5.65%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 25 $19,445,000 $777,800 $4,112 5.63%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 8 $18,050,000 $2,256,250 $6,535 5.04%
SALINAS, CA (FHA|USDA|VA) 10 $17,490,000 $1,749,000 $13,564 5.84%
URBAN HONOLULU, HI (FHA|USDA|VA) 8 $16,170,000 $2,021,250 $8,404 4.99%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 11 $14,915,000 $1,355,909 $5,567 5.30%
Glenwood Springs, CO (FHA|USDA|VA) 2 $13,790,000 $6,895,000 $13,711 4.48%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 12 $12,800,000 $1,066,667 $3,830 5.59%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 15 $11,795,000 $786,333 $4,761 5.49%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $11,325,000 $3,775,000 $18,076 5.48%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 8 $10,240,000 $1,280,000 $10,205 4.89%
Hilo, HI (FHA|USDA|VA) 6 $9,780,000 $1,630,000 $10,487 4.96%
Heber, UT (FHA|USDA|VA) 8 $9,650,000 $1,206,250 $9,188 5.69%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 7 $9,615,000 $1,373,571 $6,775 4.66%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 9 $9,005,000 $1,000,556 $6,009 5.82%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 8 $8,640,000 $1,080,000 $10,309 4.55%
Hailey, ID (FHA|USDA|VA) 6 $8,410,000 $1,401,667 $9,867 5.74%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $7,130,000 $3,565,000 $779 5.70%
PORT ST. LUCIE, FL (FHA|USDA|VA) 5 $6,805,000 $1,361,000 $9,461 4.65%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 9 $6,775,000 $752,778 $5,777 4.78%
Edwards, CO (FHA|USDA|VA) 4 $5,880,000 $1,470,000 $5,937 6.79%
WORCESTER, MA-CT (FHA|USDA|VA) 8 $5,750,000 $718,750 $3,963 5.27%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 9 $5,605,000 $622,778 $6,731 5.28%
MEDFORD, OR (FHA|USDA|VA) 1 $5,305,000 $5,305,000 $0 5.55%
BOULDER, CO (FHA|USDA|VA) 6 $4,610,000 $768,333 $3,359 4.72%
Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $4,405,000 $881,000 $4,336 5.21%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $4,135,000 $827,000 $5,816 4.97%
BEND, OR (FHA|USDA|VA) 7 $3,665,000 $523,571 $4,292 5.95%
Lebanon, NH-VT (FHA|USDA|VA) 4 $3,520,000 $880,000 $5,623 4.99%
RENO, NV (FHA|USDA|VA) 6 $3,420,000 $570,000 $3,929 5.59%
ITHACA, NY (FHA|USDA|VA) 1 $3,415,000 $3,415,000 $13,173 4.70%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $3,345,000 $3,345,000 $16,518 3.90%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $3,300,000 $1,650,000 $9,398 4.63%
Vineyard Haven, MA (FHA|USDA|VA) 4 $3,090,000 $772,500 $0 7.03%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $3,035,000 $433,571 $6,218 5.79%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 5 $2,945,000 $589,000 $4,723 6.03%
VALLEJO, CA (FHA|USDA|VA) 5 $2,885,000 $577,000 $3,848 5.46%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $2,330,000 $1,165,000 $5,075 5.08%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $2,305,000 $2,305,000 $0 5.10%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 3 $2,265,000 $755,000 $4,702 6.62%
MODESTO, CA (FHA|USDA|VA) 1 $2,245,000 $2,245,000 $5,987 5.50%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $2,230,000 $1,115,000 $4,765 5.10%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $2,170,000 $1,085,000 $5,877 4.70%
Bozeman, MT (FHA|USDA|VA) 4 $2,050,000 $512,500 $3,122 6.76%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $2,010,000 $1,005,000 $6,099 4.60%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 5 $1,955,000 $391,000 $3,614 4.66%
Breckenridge, CO (FHA|USDA|VA) 1 $1,755,000 $1,755,000 $6,452 4.85%
Torrington, CT (FHA|USDA|VA) 2 $1,690,000 $845,000 $4,132 5.90%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $1,650,000 $412,500 $5,909 5.09%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $1,405,000 $1,405,000 $10,101 4.85%
KINGSTON, NY (FHA|USDA|VA) 1 $1,265,000 $1,265,000 $10,643 4.40%
ASHEVILLE, NC (FHA|USDA|VA) 2 $1,210,000 $605,000 $4,084 4.73%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $0 6.75%
JACKSONVILLE, FL (FHA|USDA|VA) 11 $1,155,000 $105,000 $0 5.59%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $21,405 5.50%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $1,085,000 $1,085,000 $5,236 4.25%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $1,065,000 $1,065,000 $4,898 4.75%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $1,060,000 $530,000 $5,951 5.70%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 2 $1,060,000 $530,000 $0 5.85%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $1,050,000 $525,000 $498 6.43%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $1,050,000 $525,000 $6,525 5.03%
Oak Harbor, WA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 5.35%
STOCKTON, CA (FHA|USDA|VA) 2 $970,000 $485,000 $1,742 4.85%
PITTSFIELD, MA (FHA|USDA|VA) 1 $955,000 $955,000 $4,209 4.50%
Ellensburg, WA (FHA|USDA|VA) 1 $945,000 $945,000 $4,785 5.05%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $715,000 $715,000 $3,968 5.60%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $655,000 $655,000 $4,058 5.15%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $625,000 $625,000 $3,500 4.40%
Ukiah, CA (FHA|USDA|VA) 1 $555,000 $555,000 $4,334 4.85%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $545,000 $545,000 $0 7.00%
Astoria, OR (FHA|USDA|VA) 2 $510,000 $255,000 $3,265 6.10%
Hudson, NY (FHA|USDA|VA) 1 $505,000 $505,000 $7,786 5.25%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $465,000 $465,000 $3,519 4.65%
ST. GEORGE, UT (FHA|USDA|VA) 1 $455,000 $455,000 $3,067 4.15%
GAINESVILLE, FL (FHA|USDA|VA) 1 $455,000 $455,000 $13,947 4.75%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $445,000 $445,000 $2,764 5.15%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $395,000 $395,000 $3,905 5.25%
Laconia, NH (FHA|USDA|VA) 1 $385,000 $385,000 $3,331 4.50%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $345,000 $345,000 $1,172 6.45%
Rutland, VT (FHA|USDA|VA) 1 $265,000 $265,000 $0 7.25%
RICHMOND, VA (FHA|USDA|VA) 1 $265,000 $265,000 $3,367 4.40%
OCALA, FL (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.55%
Hood River, OR (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.75%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $145,000 $145,000 $2,731 5.30%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.90%
First Republic Bank's top markets include Los Angeles, San Francisco, New York, San Diego, and Boston among others.

Their top states include:
  • California (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,980 $6,965,370,000 $1,398,669 $5,198 4.81%
    HELOC 830 $587,810,000 $708,205 n/a 7.15%

    For 2023, First Republic Bank's most frequently originated type of loan was Conventional, with 4,980 originations. Their 2nd most popular type was HELOC, with 830 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,798 $5,023,760,000 $1,322,738 $5,245 4.86%
    Refi 859 $1,418,865,000 $1,651,764 $3,903 5.01%
    Other 420 $494,690,000 $1,177,833 $6,266 6.04%
    Cash Out Refi 407 $467,665,000 $1,149,054 $5,267 5.87%
    Home Improvement 326 $148,200,000 $454,601 $5,101 6.78%

    For 2023, First Republic Bank's most frequently cited loan purpose was Home Purchase, with 3,798 originations. The 2nd most popular reason was Refi, with 859 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,586 $4,975,320,000 $1,084,893 $5,186 4.76%
    Other 840 $702,630,000 $836,464 $4,353 7.08%
    10 Year 305 $1,381,175,000 $4,528,443 $0 5.26%
    5 Year 28 $425,900,000 $15,210,714 $3,891 5.61%
    15 Year 20 $8,430,000 $421,500 $2,146 4.76%
    1 Year 17 $14,785,000 $869,706 $14,647 8.51%
    3 Year 14 $44,940,000 $3,210,000 $16,122 7.05%

    For 2023, First Republic Bank's most frequently cited loan duration was 30 Year, with 4,586 originations. The 2nd most popular length was Other, with 840 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,623 $1,840,105,000 $701,527
    $1k-2k 1,085 $2,272,765,000 $2,094,714
    $5k+ 108 $271,480,000 $2,513,704
    $3k-4k 5 $1,705,000 $341,000
    $2k-3k 3 $675,000 $225,000
    $4k-5k 3 $1,645,000 $548,333

    First Republic Bank's average total fees were $5,186, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,623 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 2,524 $3,502,460,000 $1,387,662
    5-6% 1,512 $2,707,610,000 $1,790,747
    3-4% 762 $524,880,000 $688,819
    6-7% 547 $481,735,000 $880,686
    7-8% 343 $244,585,000 $713,076
    Over 8% 80 $52,480,000 $656,000
    <2.5% 36 $18,650,000 $518,056
    2.5-3% 6 $20,780,000 $3,463,333

    During 2023, First Republic Bank's average interest rate for loans was 4.76%, while their most frequently originated rate bucket for loans was 4-5%, with 2,524 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 2,042 $5,569,720,000 $2,727,581 $9,276 5.09%
    $600k-1MM 1,443 $1,119,475,000 $775,797 $3,575 4.88%
    $400k-600k 1,139 $563,515,000 $494,745 $2,431 5.21%
    $200k-400k 876 $260,430,000 $297,295 $1,568 5.30%
    $100k-200k 240 $35,450,000 $147,708 $1,655 5.93%
    $100,000 or less 70 $4,590,000 $65,571 $1,182 6.49%

    2023 saw First Republic Bank place emphasis on $1MM+ loans with 2,042 originations, totaling $5,569,720,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 2,913 $3,835,225,000 $1,316,589 $7,012 5.30%
    $150k-250k 993 $622,495,000 $626,883 $2,750 4.86%
    $100k-150k 518 $238,530,000 $460,483 $1,699 4.76%
    $75k-100k 163 $57,395,000 $352,117 $894 4.43%
    $50k-75k 87 $22,815,000 $262,241 $493 4.26%
    $50k or less 48 $26,660,000 $555,417 $2,552 4.68%

    First Republic Bank lent most frequently to those with incomes in the $250k+ range, with 2,913 originations. The second most popular income band? $150k-250k, with 993 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,208 $1,185,720,000 $981,556 $4,882 5.00%
    30-36% 984 $960,800,000 $976,423 $4,674 5.03%
    <20% 546 $615,120,000 $1,126,593 $5,382 5.05%
    39% 200 $236,090,000 $1,180,450 $5,055 5.01%
    42% 195 $184,975,000 $948,590 $5,449 5.12%
    41% 194 $191,700,000 $988,144 $4,405 5.10%
    37% 176 $173,430,000 $985,398 $5,870 5.09%
    38% 173 $195,605,000 $1,130,665 $4,916 5.02%
    40% 173 $158,055,000 $913,613 $3,976 4.99%
    36% 170 $169,410,000 $996,529 $4,511 5.12%
    43% 145 $161,485,000 $1,113,690 $5,290 5.10%
    44% 123 $130,545,000 $1,061,341 $5,254 5.15%
    50-60% 122 $110,830,000 $908,443 $4,280 5.88%
    45% 101 $109,585,000 $1,085,000 $5,399 5.05%
    48% 76 $87,400,000 $1,150,000 $6,711 5.39%
    46% 74 $81,750,000 $1,104,730 $6,784 5.57%
    47% 69 $64,875,000 $940,217 $5,277 5.17%
    49% 59 $56,175,000 $952,119 $3,887 5.56%
    >60% 21 $28,435,000 $1,354,048 $9,308 6.44%

    First Republic Bank lent most frequently to those with DTI ratios of 20-30%, with 1,208 originations. The next most common DTI ratio? 30-36%, with 984 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,894 $3,073,940,000 $1,062,177 $5,527 5.20%
    Not applicable 981 $2,587,295,000 $2,637,406 $17,398 5.39%
    Not provided 550 $724,840,000 $1,317,891 $7,325 5.45%
    Asian 769 $670,995,000 $872,555 $3,268 4.77%
    Asian Indian 151 $156,215,000 $1,034,536 $4,142 4.82%
    Black 167 $106,675,000 $638,772 $2,207 4.37%
    Chinese 142 $105,330,000 $741,761 $2,995 4.72%
    Other Asian 45 $49,055,000 $1,090,111 $4,400 4.71%
    Korean 28 $22,770,000 $813,214 $3,429 4.80%
    Vietnamese 25 $18,415,000 $736,600 $2,481 4.76%
    American Indian 27 $16,945,000 $627,593 $2,488 4.42%
    Filipino 17 $10,455,000 $615,000 $1,626 4.86%
    Japanese 8 $7,250,000 $906,250 $5,799 5.39%
    Native Hawaiian or Islander 3 $1,795,000 $598,333 $0 6.33%
    Samoan 1 $705,000 $705,000 $3,685 3.75%
    Other Pacific Islander 2 $500,000 $250,000 $0 4.35%

    Approval Rates

    Total approvals of all applications
    97.54%

    First Republic Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    82.84%

    First Republic Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,810 $7,553,180,000 $1,300,031

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5,810 $7,553,180,000 $1,300,031

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 803 $924,025,000 $1,150,716 $6,335 5.53%
    40-60% 1,317 $2,258,195,000 $1,714,651 $6,473 5.08%
    60-80% 2,338 $3,452,520,000 $1,476,698 $5,368 4.78%
    80-100% 717 $570,865,000 $796,185 $2,921 4.55%
    Under 20% 635 $347,575,000 $547,362 $5,340 6.80%