First Republic Bank Mortgage Rates, Fees & Info
San Francisco, CALEI: YWC0TIKBQM2JV8L4IV08
Tax ID: 80-0513856
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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: San Francisco, Los Angeles, New York, Boston, and San Diego among others. We have data for 171 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 12/17/24 |
| 30 Year Conventional Purchase | 4.96% | 12/17/24 |
| 30 Year Conventional Refi | 5.36% | 12/17/24 |
| 30 Year Cash-out Refi | 5.44% | 12/17/24 |
| 30 Year FHA Purchase | 6.27% | 12/17/24 |
| 15 Year Conventional Purchase | 4.77% | 12/17/24 |
| 15 Year Conventional Refi | 5.19% | 12/17/24 |
| 15 Year Cash-out Refi | 5.19% | 12/17/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
30,177Origination Dollar Volume (All Markets)
$43,912,145,000Awards
First Republic Bank - 2022
First Republic Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 8,209 | $10,475,005,000 | $1,276,039 | $4,819 | 3.62% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5,790 | $9,674,390,000 | $1,670,879 | $6,579 | 3.54% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 4,908 | $6,937,150,000 | $1,413,437 | $5,652 | 3.31% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2,700 | $3,301,920,000 | $1,222,933 | $4,418 | 3.47% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1,330 | $1,941,020,000 | $1,459,414 | $5,305 | 3.66% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1,204 | $1,683,840,000 | $1,398,538 | $3,563 | 3.53% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 907 | $1,677,415,000 | $1,849,410 | $11,002 | 3.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 573 | $707,145,000 | $1,234,110 | $3,591 | 3.66% |
| Outside of Metro Areas | 238 | $659,610,000 | $2,771,471 | $14,980 | 3.61% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 284 | $593,780,000 | $2,090,775 | $8,611 | 3.51% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 382 | $580,860,000 | $1,520,576 | $8,824 | 3.30% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 263 | $475,495,000 | $1,807,966 | $4,830 | 3.76% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 335 | $424,575,000 | $1,267,388 | $6,901 | 3.67% |
| Jackson, WY-ID (FHA|USDA|VA) | 225 | $402,455,000 | $1,788,689 | $6,797 | 3.38% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 209 | $348,095,000 | $1,665,526 | $9,041 | 3.42% |
| NAPA, CA (FHA|USDA|VA) | 199 | $297,025,000 | $1,492,588 | $6,333 | 3.70% |
| SALINAS, CA (FHA|USDA|VA) | 90 | $220,900,000 | $2,454,444 | $6,342 | 3.53% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 242 | $219,190,000 | $905,744 | $5,967 | 3.55% |
| Glenwood Springs, CO (FHA|USDA|VA) | 30 | $217,600,000 | $7,253,333 | $17,738 | 3.02% |
| Heber, UT (FHA|USDA|VA) | 88 | $198,900,000 | $2,260,227 | $11,936 | 3.27% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 80 | $164,960,000 | $2,062,000 | $11,135 | 3.10% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 107 | $148,185,000 | $1,384,907 | $5,705 | 3.63% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 101 | $136,395,000 | $1,350,446 | $6,982 | 3.51% |
| RENO, NV (FHA|USDA|VA) | 36 | $107,590,000 | $2,988,611 | $7,905 | 3.61% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 61 | $106,215,000 | $1,741,230 | $5,805 | 3.24% |
| Vineyard Haven, MA (FHA|USDA|VA) | 35 | $106,075,000 | $3,030,714 | $15,339 | 3.27% |
| Hilo, HI (FHA|USDA|VA) | 40 | $99,210,000 | $2,480,250 | $15,170 | 3.29% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 79 | $92,195,000 | $1,167,025 | $4,061 | 3.54% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 54 | $86,500,000 | $1,601,852 | $4,914 | 3.75% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 61 | $80,675,000 | $1,322,541 | $7,144 | 3.29% |
| Bozeman, MT (FHA|USDA|VA) | 28 | $80,270,000 | $2,866,786 | $7,270 | 3.54% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 50 | $74,700,000 | $1,494,000 | $9,859 | 3.27% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 45 | $73,465,000 | $1,632,556 | $10,621 | 3.27% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 69 | $71,195,000 | $1,031,812 | $5,055 | 3.60% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 18 | $70,910,000 | $3,939,444 | $3,127 | 3.65% |
| Hailey, ID (FHA|USDA|VA) | 23 | $69,175,000 | $3,007,609 | $19,657 | 3.58% |
| Edwards, CO (FHA|USDA|VA) | 17 | $67,525,000 | $3,972,059 | $5,905 | 3.65% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 33 | $60,475,000 | $1,832,576 | $6,484 | 3.16% |
| BEND, OR (FHA|USDA|VA) | 65 | $53,345,000 | $820,692 | $5,918 | 3.74% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 15 | $51,665,000 | $3,444,333 | $6,160 | 3.66% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 10 | $48,630,000 | $4,863,000 | $5,476 | 2.98% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 39 | $39,595,000 | $1,015,256 | $7,908 | 3.50% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 44 | $39,280,000 | $892,727 | $6,065 | 3.59% |
| Kapaa, HI (FHA|USDA|VA) | 17 | $37,725,000 | $2,219,118 | $9,288 | 3.37% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $33,695,000 | $11,231,667 | $200 | 3.95% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 17 | $32,195,000 | $1,893,824 | $6,698 | 3.07% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 22 | $31,670,000 | $1,439,545 | $7,558 | 3.40% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 17 | $28,745,000 | $1,690,882 | $10,892 | 3.26% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 13 | $28,015,000 | $2,155,000 | $12,519 | 3.63% |
| VALLEJO, CA (FHA|USDA|VA) | 59 | $27,505,000 | $466,186 | $3,405 | 3.83% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 28 | $26,280,000 | $938,571 | $5,634 | 3.68% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $25,265,000 | $8,421,667 | $2,733 | 4.33% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $23,660,000 | $5,915,000 | $9,260 | 3.70% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 25 | $23,115,000 | $924,600 | $9,215 | 3.38% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 20 | $22,680,000 | $1,134,000 | $8,364 | 3.19% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 26 | $22,600,000 | $869,231 | $4,585 | 3.47% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 22 | $22,360,000 | $1,016,364 | $9,617 | 3.42% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 19 | $21,075,000 | $1,109,211 | $7,447 | 3.33% |
| BOULDER, CO (FHA|USDA|VA) | 19 | $20,365,000 | $1,071,842 | $4,022 | 3.65% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 21 | $20,305,000 | $966,905 | $4,647 | 4.23% |
| Breckenridge, CO (FHA|USDA|VA) | 10 | $20,110,000 | $2,011,000 | $6,012 | 3.34% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 4 | $20,090,000 | $5,022,500 | $3,061 | 3.30% |
| SALEM, OR (FHA|USDA|VA) | 11 | $19,025,000 | $1,729,545 | $3,728 | 4.10% |
| CHICO, CA (FHA|USDA|VA) | 2 | $18,710,000 | $9,355,000 | $6,739 | 3.58% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 15 | $17,845,000 | $1,189,667 | $6,019 | 3.32% |
| Torrington, CT (FHA|USDA|VA) | 18 | $17,460,000 | $970,000 | $7,115 | 3.37% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 20 | $16,410,000 | $820,500 | $4,492 | 3.76% |
| Outside of Metro Areas | 8 | $16,370,000 | $2,046,250 | $9,072 | 3.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 42 | $16,020,000 | $381,429 | $14,887 | 4.31% |
| Key West, FL (FHA|USDA|VA) | 11 | $15,865,000 | $1,442,273 | $8,473 | 3.82% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 23 | $13,375,000 | $581,522 | $4,417 | 3.31% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 18 | $13,190,000 | $732,778 | $4,937 | 3.78% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 12 | $11,930,000 | $994,167 | $6,210 | 3.67% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 12 | $11,860,000 | $988,333 | $8,015 | 3.29% |
| KINGSTON, NY (FHA|USDA|VA) | 16 | $11,600,000 | $725,000 | $6,951 | 3.19% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 16 | $11,040,000 | $690,000 | $7,715 | 3.46% |
| Hudson, NY (FHA|USDA|VA) | 8 | $10,850,000 | $1,356,250 | $9,285 | 3.39% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 10 | $10,390,000 | $1,039,000 | $3,870 | 3.48% |
| PITTSFIELD, MA (FHA|USDA|VA) | 11 | $9,725,000 | $884,091 | $8,689 | 3.63% |
| Lebanon, NH-VT (FHA|USDA|VA) | 17 | $8,595,000 | $505,588 | $4,356 | 3.29% |
| BOISE CITY, ID (FHA|USDA|VA) | 9 | $8,505,000 | $945,000 | $4,992 | 3.44% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 12 | $7,930,000 | $660,833 | $4,726 | 3.53% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $7,700,000 | $3,850,000 | $2,400 | 3.55% |
| Steamboat Springs, CO (FHA|USDA|VA) | 4 | $7,220,000 | $1,805,000 | $6,562 | 3.06% |
| BELLINGHAM, WA (FHA|USDA|VA) | 5 | $7,085,000 | $1,417,000 | $4,038 | 3.61% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $6,825,000 | $6,825,000 | $17,485 | 2.65% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 6 | $6,660,000 | $1,110,000 | $5,821 | 3.47% |
| STOCKTON, CA (FHA|USDA|VA) | 9 | $6,185,000 | $687,222 | $3,221 | 3.41% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 5 | $6,115,000 | $1,223,000 | $7,539 | 3.97% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $6,050,000 | $1,008,333 | $3,825 | 3.40% |
| Hood River, OR (FHA|USDA|VA) | 9 | $5,385,000 | $598,333 | $5,451 | 3.45% |
| Astoria, OR (FHA|USDA|VA) | 6 | $5,380,000 | $896,667 | $7,967 | 3.18% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 5 | $5,215,000 | $1,043,000 | $5,561 | 3.07% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $4,755,000 | $1,585,000 | $5,365 | 3.35% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 3 | $4,685,000 | $1,561,667 | $18,125 | 3.25% |
| Kalispell, MT (FHA|USDA|VA) | 5 | $4,675,000 | $935,000 | $4,501 | 3.62% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $4,370,000 | $1,092,500 | $5,265 | 3.30% |
| SANTA FE, NM (FHA|USDA|VA) | 5 | $4,265,000 | $853,000 | $6,294 | 3.53% |
| MEDFORD, OR (FHA|USDA|VA) | 3 | $3,955,000 | $1,318,333 | $4,916 | 3.27% |
| Ukiah, CA (FHA|USDA|VA) | 4 | $3,910,000 | $977,500 | $3,867 | 4.03% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $3,895,000 | $1,298,333 | $11,123 | 3.75% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 4 | $3,790,000 | $947,500 | $5,240 | 2.81% |
| Laconia, NH (FHA|USDA|VA) | 5 | $3,585,000 | $717,000 | $4,052 | 2.84% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 3 | $3,215,000 | $1,071,667 | $7,369 | 3.53% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $3,160,000 | $1,580,000 | $16,508 | 2.70% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $3,125,000 | $3,125,000 | $0 | 3.35% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 5 | $3,115,000 | $623,000 | $4,443 | 3.71% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $3,080,000 | $770,000 | $6,794 | 3.30% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $0 | 4.00% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $2,925,000 | $2,925,000 | $0 | 4.10% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $2,685,000 | $895,000 | $5,634 | 4.45% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 5 | $2,595,000 | $519,000 | $5,614 | 4.49% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $2,520,000 | $630,000 | $4,721 | 4.38% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $2,300,000 | $1,150,000 | $8,586 | 2.55% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $2,050,000 | $1,025,000 | $12,186 | 3.78% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $0 | 3.00% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $1,940,000 | $485,000 | $3,467 | 3.45% |
| Durango, CO (FHA|USDA|VA) | 1 | $1,925,000 | $1,925,000 | $8,467 | 3.95% |
| Prineville, OR (FHA|USDA|VA) | 2 | $1,880,000 | $940,000 | $4,845 | 2.83% |
| ST. GEORGE, UT (FHA|USDA|VA) | 3 | $1,805,000 | $601,667 | $3,979 | 2.73% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $1,800,000 | $900,000 | $2,113 | 2.80% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $1,580,000 | $790,000 | $6,176 | 3.10% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $4,896 | 3.55% |
| Barre, VT (FHA|USDA|VA) | 3 | $1,545,000 | $515,000 | $4,368 | 3.38% |
| Concord, NH (FHA|USDA|VA) | 2 | $1,510,000 | $755,000 | $3,927 | 3.78% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $6,542 | 2.45% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $4,027 | 3.67% |
| Bennington, VT (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $5,640 | 3.67% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $3,777 | 3.67% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $2,911 | 3.52% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $0 | 3.63% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $4,582 | 3.08% |
| Helena, MT (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $10,877 | 3.30% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $9,724 | 3.25% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $0 | 4.03% |
| Sandpoint, ID (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $5,929 | 3.42% |
| Keene, NH (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $3,839 | 3.25% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $3,743 | 2.95% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $6,657 | 3.85% |
| Newport, OR (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $8,625 | 3.40% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $0 | 4.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $3,860 | 5.10% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $6,025 | 3.20% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $9,894 | 3.60% |
| Taos, NM (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $4,098 | 3.85% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,960 | 3.33% |
| Sonora, CA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $2,948 | 3.33% |
| Berlin, NH (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $4,145 | 3.60% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $2,707 | 3.57% |
| OCALA, FL (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $6,864 | 3.65% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,372 | 4.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,279 | 3.60% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $5,055 | 3.35% |
| ROCHESTER, NY (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $1,930 | 3.60% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,117 | 2.50% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $5,303 | 4.05% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $10,963 | 3.85% |
| Riverton, WY (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,039 | 2.85% |
| MADERA, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,063 | 3.95% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 3.85% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 4.70% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 3.88% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,527 | 3.20% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,812 | 4.23% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,554 | 2.80% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,655 | 2.80% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,374 | 3.85% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,047 | 2.78% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.35% |
| Rutland, VT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,545 | 4.85% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,481 | 2.55% |
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We use machine learning to identify the top lenders compared against First Republic Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 26,536 | $41,062,030,000 | $1,547,408 | $5,867 | 3.40% |
| HELOC | 3,641 | $2,850,115,000 | $782,784 | n/a | 4.37% |
For 2022, First Republic Bank's most frequently originated type of loan was Conventional, with 26,536 originations. Their 2nd most popular type was HELOC, with 3,641 originations.
Loan Reason
For 2022, First Republic Bank's most frequently cited loan purpose was Home Purchase, with 17,007 originations. The 2nd most popular reason was Refi, with 5,027 originations.
Loan Duration/Length
For 2022, First Republic Bank's most frequently cited loan duration was 30 Year, with 24,113 originations. The 2nd most popular length was Other, with 3,596 originations.
Origination Fees/Closing Costs
First Republic Bank's average total fees were $5,896, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 11,359 originations.
Interest Rates
During 2022, First Republic Bank's average interest rate for loans was 3.37%, while their most frequently originated rate bucket for loans was 3-4%, with 13,458 originations.
Loan Sizing
2022 saw First Republic Bank place emphasis on $1MM+ loans with 13,646 originations, totaling $34,830,710,000 in origination value.
Applicant Income
First Republic Bank lent most frequently to those with incomes in the $250k+ range, with 17,612 originations. The second most popular income band? $150k-250k, with 4,481 originations.
Applicant Debt to Income Ratio
First Republic Bank lent most frequently to those with DTI ratios of 20-30%, with 6,889 originations. The next most common DTI ratio? 30-36%, with 5,173 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.26%
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 origination88.18%
First Republic Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 30,177 | $43,912,145,000 | $1,455,153 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 30,177 | $43,912,145,000 | $1,455,153 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST CITIZENS BANCSHARES, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |