First Republic Bank is a commercial bank and wealth management firm. The Bank specializes in wealth management, including private banking, investment management, brokerage, trust services and real estate lending. It originates real estate secured loans and other loans for retention in its loan portfolio. In addition, First Republic originates mortgage loans for sale to institutional investors or for securitization and sale in the secondary market. The Bank also generates fee income by servicing mortgage loans for these institutional investors and other third parties. First Republic provides its services online and through branch offices in seven major metropolitan areas: San Francisco, Los Angeles, Orange County, San Diego, Santa Barbara, Las Vegas and New York City.