First Foundation Bank Mortgage Lending & HMDA Data, 2010
In 2010, First Foundation Bank of Irvine, CA reported 124 mortgage applications totaling $158.1 million, up 48% from 2009. The average application was for $1,274,620, and applicants reported an average income of $133,000. 73% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (59), Santa Ana-Anaheim-Irvine, CA (26) and San Francisco-San Mateo-Redwood City, CA (17) (applications in parentheses).
| Mortgage Company & Address | First Foundation Bank 18101 Von Karman Avenue Suite 750 Irvine, CA 92612 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 |
| Total Number of Mortgage Applications | 124 |
| Total Mortgage Loan Application Amount | $158,053,000 |
| Average Mortgage Loan Application Amount | $1,274,620 |
| Highest Mortgage Loan Application Amount | $4,725,000 |
| Average Applicant Income | $133,000 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Foundation Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 59 | $ 76,737,000 | $ 1,300,627 | $ 4,000 |
| Santa Ana-Anaheim-Irvine, CA | 26 | $ 39,551,000 | $ 1,521,192 | $ 109,000 |
| San Francisco-San Mateo-Redwood City, CA | 17 | $ 24,255,000 | $ 1,426,764 | $ 80,000 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 6,694,000 | $ 1,338,800 | $ 163,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 2,635,000 | $ 658,750 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,390,000 | $ 463,333 | $ 133,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 3,380,000 | $ 1,126,666 | $ 3,622,000 |
| Dallas-Plano-Irving, TX | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Fresno, CA | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Las Vegas-Paradise, NV | 1 | $ 552,000 | $ 552,000 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 683,000 | $ 683,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 535,000 | $ 535,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Foundation Bank in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 87 | $113,681,000 | $1,306,000 | $4,450,000 | $59,000 | $1,991,000 |
| Home Purchase | 37 | $44,372,000 | $1,199,000 | $4,725,000 | $307,000 | $9,999,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 applicable | 92 | $127,080,000 | $1,381,000 | $4,725,000 | $0 | $0 |
| White | 27 | $26,177,000 | $969,000 | $3,700,000 | $594,000 | $9,999,000 |
| Asian | 4 | $3,296,000 | $824,000 | $1,425,000 | $64,000 | $256,000 |
| Hispanic | 1 | $1,500,000 | $1,500,000 | $1,500,000 | $264,000 | $264,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 124 | $158,053,000 | $1,274,000 | $4,725,000 | $133,000 | $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 | 90 | $115,908,000 | $1,287,000 | $4,725,000 | $39,000 | $1,991,000 |
| Application Withdrawn By Applicant | 16 | $19,134,000 | $1,195,000 | $2,800,000 | $679,000 | $9,999,000 |
| Application Denied By Financial Institution | 13 | $16,185,000 | $1,245,000 | $2,925,000 | $118,000 | $818,000 |
| Application Approved But Not Accepted | 3 | $6,396,000 | $2,132,000 | $3,700,000 | $213,000 | $640,000 |
| File Closed For Incompleteness | 2 | $430,000 | $215,000 | $250,000 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 | 5 | $6,132,000 | $1,226,000 | $2,925,000 | $11,000 | $57,000 |
| Collateral | 3 | $4,115,000 | $1,371,000 | $1,785,000 | $272,000 | $818,000 |
| Other | 3 | $4,186,000 | $1,395,000 | $2,786,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $252,000 | $252,000 | $252,000 | $399,000 | $399,000 |
| Credit History | 1 | $1,500,000 | $1,500,000 | $1,500,000 | $264,000 | $264,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Foundation Bank's 2010 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 Foundation 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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