First Foundation Bank Mortgage Lending & HMDA Data, 2019
In 2019, First Foundation Bank of Irvine, CA reported 532 mortgage applications totaling $1.4 billion, down 16% from 2018. The average application was for $2,573,045, and applicants reported an average income of $1,114,787. 86% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (287), San Diego-Carlsbad, CA (60) and Anaheim-Santa Ana-Irvine, CA (47) (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 | 532 |
| Total Mortgage Loan Application Amount | $1,368,860,000 |
| Average Mortgage Loan Application Amount | $2,573,045 |
| Highest Mortgage Loan Application Amount | $32,005,000 |
| Average Applicant Income | $1,114,787 |
| Highest Applicant Income | $4,399,000 |
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(HMDA) records First Foundation Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 287 | $ 761,445,000 | $ 2,653,118 | $ 1,442,000 |
| San Diego-Carlsbad, CA | 60 | $ 165,600,000 | $ 2,760,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 47 | $ 87,985,000 | $ 1,872,021 | $ 259,000 |
| San Francisco-Redwood City-South San Francisco, CA | 38 | $ 130,550,000 | $ 3,435,526 | $ 382,000 |
| Oakland-Hayward-Berkeley, CA | 32 | $ 88,100,000 | $ 2,753,125 | $ 113,000 |
| Riverside-San Bernardino-Ontario, CA | 15 | $ 1,375,000 | $ 91,666 | $ 99,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 10 | $ 24,400,000 | $ 2,440,000 | $ 0 |
| San Rafael, CA | 10 | $ 42,440,000 | $ 4,244,000 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 8 | $ 26,750,000 | $ 3,343,750 | $ 0 |
| Salinas, CA | 6 | $ 2,710,000 | $ 451,666 | $ 0 |
| Urban Honolulu, HI | 4 | $ 3,840,000 | $ 960,000 | $ 741,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,760,000 | $ 880,000 | $ 141,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 2,080,000 | $ 1,040,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 2 | $ 6,850,000 | $ 3,425,000 | $ 0 |
| Santa Rosa, CA | 2 | $ 1,860,000 | $ 930,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 1,325,000 | $ 1,325,000 | $ 0 |
| Outside any metro area | 1 | $ 6,005,000 | $ 6,005,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,315,000 | $ 1,315,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 3,695,000 | $ 3,695,000 | $ 0 |
| Reno, NV | 1 | $ 2,235,000 | $ 2,235,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 5,665,000 | $ 5,665,000 | $ 0 |
| Stockton-Lodi, CA | 1 | $ 875,000 | $ 875,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Foundation Bank in 2019
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 | 373 | $1,035,935,000 | $2,777,000 | $32,005,000 | $1,398,000 | $4,399,000 |
| Home Purchase | 147 | $329,685,000 | $2,242,000 | $15,295,000 | $399,000 | $1,609,000 |
| Not Applicable | 9 | $245,000 | $27,000 | $55,000 | $0 | $0 |
| Other Purpose | 2 | $1,990,000 | $995,000 | $1,405,000 | $906,000 | $1,100,000 |
| Home Improvement | 1 | $1,005,000 | $1,005,000 | $1,005,000 | $0 | $0 |
| Cash-out Refinancing | 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 | 436 | $1,269,530,000 | $2,911,000 | $32,005,000 | $0 | $0 |
| White | 53 | $58,995,000 | $1,113,000 | $7,205,000 | $1,296,000 | $4,399,000 |
| Not Provided | 24 | $26,820,000 | $1,117,000 | $3,945,000 | $418,000 | $643,000 |
| Hispanic | 14 | $9,070,000 | $647,000 | $1,825,000 | $108,000 | $174,000 |
| Asian | 5 | $4,445,000 | $889,000 | $1,395,000 | $405,000 | $741,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 532 | $1,368,860,000 | $2,573,000 | $32,005,000 | $916,000 | $4,399,000 |
| 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 | 455 | $1,106,195,000 | $2,431,000 | $27,505,000 | $967,000 | $4,399,000 |
| Application Denied By Financial Institution | 31 | $136,635,000 | $4,407,000 | $32,005,000 | $643,000 | $643,000 |
| Application Withdrawn By Applicant | 30 | $107,610,000 | $3,587,000 | $25,005,000 | $352,000 | $352,000 |
| Loan Purchased By The Institution | 9 | $245,000 | $27,000 | $55,000 | $0 | $0 |
| Application Approved But Not Accepted | 6 | $10,770,000 | $1,795,000 | $3,605,000 | $329,000 | $463,000 |
| File Closed For Incompleteness | 1 | $7,405,000 | $7,405,000 | $7,405,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 501 | $1,232,225,000 | $2,459,000 | $27,505,000 | $921,000 | $4,399,000 |
| Other | 10 | $30,820,000 | $3,082,000 | $6,755,000 | $0 | $0 |
| Collateral | 7 | $11,505,000 | $1,643,000 | $4,555,000 | $643,000 | $643,000 |
| Credit History | 6 | $60,730,000 | $10,121,000 | $32,005,000 | $0 | $0 |
| Credit Application Incomplete | 3 | $22,735,000 | $7,578,000 | $18,005,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $9,995,000 | $3,331,000 | $4,785,000 | $0 | $0 |
| Unverifiable Information | 1 | $195,000 | $195,000 | $195,000 | $0 | $0 |
| Debt-To-Income Ratio | 1 | $655,000 | $655,000 | $655,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Foundation Bank's 2019 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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