First Republic Bank
San Francisco, CA · What the federal mortgage record shows about how First Republic Bank treated New Jersey applicants, 2018–2025 — 1,566 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 1,566 New Jersey applications First Republic Bank approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, First Republic Bank’s rates ran -0.80 pp lower than the typical New Jersey lender (average rate spread -0.57 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who First Republic Bank approves
Why First Republic Bank denied applications
Where First Republic Bank lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Bergen County | 347 | 99.4% |
| Hudson County | 271 | 97.8% |
| Monmouth County | 220 | 100.0% |
| Essex County | 219 | 99.1% |
| Union County | 126 | 100.0% |
| Morris County | 112 | 99.1% |
| Ocean County | 79 | 100.0% |
| Mercer County | 37 | 100.0% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on First Republic Bank’s home-purchase originations — 1.31 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $160. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare First Republic Bank to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by First Republic Bank (LEI YWC0TIKBQM2JV8L4IV08). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →