First Foundation Bank Mortgage Lending & HMDA Data, 2022
In 2022, First Foundation Bank of Irvine, CA reported 749 mortgage applications totaling $2.8 billion, down 28% from 2021. The average application was for $3,701,942, and applicants reported an average income of $940,546. 88% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (389), Anaheim-Santa Ana-Irvine, CA (88) and San Diego-Carlsbad, CA (50) (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 | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 749 |
| Total Mortgage Loan Application Amount | $2,772,755,000 |
| Average Mortgage Loan Application Amount | $3,701,942 |
| Highest Mortgage Loan Application Amount | $50,505,000 |
| Average Applicant Income | $940,546 |
| Highest Applicant Income | $8,100,000 |
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(HMDA) records First Foundation Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 389 | $ 1,187,175,000 | $ 3,051,863 | $ 1,200,000 |
| Orange, California | 88 | $ 237,410,000 | $ 2,697,840 | $ 540,000 |
| San Diego, California | 50 | $ 200,040,000 | $ 4,000,800 | $ 527,000 |
| Alameda, California | 25 | $ 87,705,000 | $ 3,508,200 | $ 611,000 |
| San Francisco, California | 25 | $ 65,745,000 | $ 2,629,800 | $ 334,000 |
| Collier, Florida | 21 | $ 41,265,000 | $ 1,965,000 | $ 914,000 |
| Santa Clara, California | 19 | $ 89,135,000 | $ 4,691,315 | $ 510,000 |
| Maricopa, Arizona | 16 | $ 140,790,000 | $ 8,799,375 | $ 0 |
| Riverside, California | 12 | $ 22,450,000 | $ 1,870,833 | $ 425,000 |
| Monterey, California | 7 | $ 10,075,000 | $ 1,439,285 | $ 0 |
| Sacramento, California | 7 | $ 84,695,000 | $ 12,099,285 | $ 0 |
| Santa Barbara, California | 7 | $ 34,765,000 | $ 4,966,428 | $ 224,000 |
| San Mateo, California | 6 | $ 7,820,000 | $ 1,303,333 | $ 0 |
| Lee, Florida | 6 | $ 4,580,000 | $ 763,333 | $ 644,000 |
| Clark, Nevada | 6 | $ 36,310,000 | $ 6,051,666 | $ 0 |
| Bexar, Texas | 6 | $ 63,430,000 | $ 10,571,666 | $ 0 |
| Marin, California | 5 | $ 13,315,000 | $ 2,663,000 | $ 323,000 |
| San Bernardino, California | 5 | $ 5,505,000 | $ 1,101,000 | $ 0 |
| Sonoma, California | 5 | $ 45,545,000 | $ 9,109,000 | $ 0 |
| Contra Costa, California | 3 | $ 5,485,000 | $ 1,828,333 | $ 0 |
| Mono, California | 3 | $ 1,385,000 | $ 461,666 | $ 667,000 |
| Harris, Texas | 3 | $ 31,645,000 | $ 10,548,333 | $ 0 |
| Pima, Arizona | 2 | $ 7,130,000 | $ 3,565,000 | $ 0 |
| San Luis Obispo, California | 2 | $ 5,520,000 | $ 2,760,000 | $ 0 |
| Miami-Dade, Florida | 2 | $ 7,050,000 | $ 3,525,000 | $ 0 |
| Orange, Florida | 2 | $ 2,010,000 | $ 1,005,000 | $ 0 |
| Maui, Hawaii | 2 | $ 3,300,000 | $ 1,650,000 | $ 0 |
| Dallas, Texas | 2 | $ 14,650,000 | $ 7,325,000 | $ 0 |
| Travis, Texas | 2 | $ 37,890,000 | $ 18,945,000 | $ 0 |
| Napa, California | 1 | $ 25,005,000 | $ 25,005,000 | $ 0 |
| Placer, California | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Solano, California | 1 | $ 16,135,000 | $ 16,135,000 | $ 0 |
| Ventura, California | 1 | $ 7,555,000 | $ 7,555,000 | $ 0 |
| Yolo, California | 1 | $ 2,765,000 | $ 2,765,000 | $ 0 |
| Jefferson, Colorado | 1 | $ 38,785,000 | $ 38,785,000 | $ 0 |
| San Miguel, Colorado | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Clay, Florida | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 3,775,000 | $ 3,775,000 | $ 0 |
| Polk, Florida | 1 | $ 39,255,000 | $ 39,255,000 | $ 0 |
| Santa Rosa, Florida | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Columbia, Georgia | 1 | $ 37,005,000 | $ 37,005,000 | $ 0 |
| Bonneville, Idaho | 1 | $ 6,005,000 | $ 6,005,000 | $ 0 |
| East Baton Rouge, Louisiana | 1 | $ 20,005,000 | $ 20,005,000 | $ 0 |
| Granite, Montana | 1 | $ 1,445,000 | $ 1,445,000 | $ 0 |
| Douglas, Nevada | 1 | $ 3,125,000 | $ 3,125,000 | $ 0 |
| Monroe, New York | 1 | $ 2,705,000 | $ 2,705,000 | $ 8,100,000 |
| Horry, South Carolina | 1 | $ 18,605,000 | $ 18,605,000 | $ 0 |
| Comal, Texas | 1 | $ 4,605,000 | $ 4,605,000 | $ 0 |
| Denton, Texas | 1 | $ 24,405,000 | $ 24,405,000 | $ 0 |
| Tarrant, Texas | 1 | $ 22,705,000 | $ 22,705,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Foundation Bank in 2022
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 | 522 | $1,892,480,000 | $3,625,000 | $50,005,000 | $952,000 | $8,100,000 |
| Home Purchase | 216 | $871,900,000 | $4,036,000 | $50,505,000 | $937,000 | $8,100,000 |
| Other Purpose | 8 | $4,890,000 | $611,000 | $1,005,000 | $289,000 | $440,000 |
| Home Improvement | 3 | $3,485,000 | $1,161,000 | $1,285,000 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 615 | $2,590,385,000 | $4,212,000 | $50,505,000 | $0 | $0 |
| White | 83 | $122,965,000 | $1,481,000 | $13,355,000 | $1,032,000 | $8,100,000 |
| Not Provided | 33 | $44,265,000 | $1,341,000 | $5,335,000 | $492,000 | $1,477,000 |
| Hispanic | 10 | $6,530,000 | $653,000 | $1,505,000 | $456,000 | $1,006,000 |
| Asian | 6 | $5,090,000 | $848,000 | $1,255,000 | $628,000 | $936,000 |
| American Indian or Alaskan Native | 1 | $365,000 | $365,000 | $365,000 | $126,000 | $126,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 749 | $2,772,755,000 | $3,701,000 | $50,505,000 | $909,000 | $8,100,000 |
| 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 | 660 | $2,512,150,000 | $3,806,000 | $50,505,000 | $793,000 | $3,798,000 |
| Application Withdrawn By Applicant | 37 | $115,215,000 | $3,113,000 | $26,405,000 | $3,760,000 | $8,100,000 |
| Application Denied By Financial Institution | 36 | $86,750,000 | $2,409,000 | $8,895,000 | $427,000 | $827,000 |
| Application Approved But Not Accepted | 10 | $32,670,000 | $3,267,000 | $11,305,000 | $316,000 | $510,000 |
| File Closed For Incompleteness | 3 | $15,115,000 | $5,038,000 | $8,005,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 2 | $5,850,000 | $2,925,000 | $5,325,000 | $213,000 | $338,000 |
| Preapproval Approved but not Accepted | 1 | $5,005,000 | $5,005,000 | $5,005,000 | $1,013,000 | $1,013,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 711 | $2,680,155,000 | $3,769,000 | $50,505,000 | $955,000 | $8,100,000 |
| Debt-To-Income Ratio | 16 | $27,660,000 | $1,728,000 | $6,505,000 | $335,000 | $827,000 |
| Other | 11 | $33,625,000 | $3,056,000 | $8,895,000 | $0 | $0 |
| Credit History | 4 | $11,760,000 | $2,940,000 | $3,705,000 | $546,000 | $546,000 |
| Collateral | 3 | $4,035,000 | $1,345,000 | $2,255,000 | $0 | $0 |
| Credit Application Incomplete | 2 | $11,060,000 | $5,530,000 | $6,755,000 | $0 | $0 |
| Unverifiable Information | 1 | $3,155,000 | $3,155,000 | $3,155,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,305,000 | $1,305,000 | $1,305,000 | $0 | $0 |
| Mortgage Insurance Denied | 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 2022 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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