Pacific Premier Bank Mortgage Lending & HMDA Data, 2012
In 2012, Pacific Premier Bank of Irvine, CA reported 193 mortgage applications totaling $104.9 million, up 6% from 2011. The average application was for $543,740, and applicants reported an average income of $244,419. 45% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (94), Los Angeles-Long Beach-Glendale, CA (41) and Santa Ana-Anaheim-Irvine, CA (35) (applications in parentheses).
| Mortgage Company & Address | Pacific Premier Bank 17901 Von Karman Avenue, Suite 1200 Irvine, CA 92614 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2008 |
| Total Number of Mortgage Applications | 193 |
| Total Mortgage Loan Application Amount | $104,942,000 |
| Average Mortgage Loan Application Amount | $543,740 |
| Highest Mortgage Loan Application Amount | $9,750,000 |
| Average Applicant Income | $244,419 |
| Highest Applicant Income | $2,539,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pacific Premier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside, California | 80 | $ 20,871,000 | $ 260,887 | $ 323,000 |
| Los Angeles, California | 41 | $ 39,891,000 | $ 972,951 | $ 129,000 |
| Orange, California | 35 | $ 20,583,000 | $ 588,085 | $ 232,000 |
| San Bernardino, California | 14 | $ 12,136,000 | $ 866,857 | $ 231,000 |
| San Diego, California | 11 | $ 7,646,000 | $ 695,090 | $ 267,000 |
| Ventura, California | 3 | $ 1,429,000 | $ 476,333 | $ 36,000 |
| Stanislaus, California | 2 | $ 381,000 | $ 190,500 | $ 0 |
| Maricopa, Arizona | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Alameda, California | 1 | $ 398,000 | $ 398,000 | $ 137,000 |
| Kern, California | 1 | $ 60,000 | $ 60,000 | $ 169,000 |
| Lake, California | 1 | $ 156,000 | $ 156,000 | $ 74,000 |
| Marin, California | 1 | $ 185,000 | $ 185,000 | $ 122,000 |
| Monterey, California | 1 | $ 389,000 | $ 389,000 | $ 922,000 |
| San Francisco, California | 1 | $ 417,000 | $ 417,000 | $ 164,000 |
Mortgage Loan Application Detail Totals for Pacific Premier Bank in 2012
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 | 126 | $69,059,000 | $548,000 | $9,750,000 | $266,000 | $2,539,000 |
| Home Purchase | 63 | $34,406,000 | $546,000 | $3,000,000 | $211,000 | $1,368,000 |
| Home Improvement | 4 | $1,477,000 | $369,000 | $477,000 | $91,000 | $161,000 |
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 |
|---|---|---|---|---|---|---|
| White | 115 | $53,674,000 | $466,000 | $3,000,000 | $192,000 | $1,368,000 |
| Not Provided | 36 | $16,850,000 | $468,000 | $2,600,000 | $599,000 | $2,539,000 |
| Not applicable | 15 | $25,424,000 | $1,694,000 | $9,750,000 | $0 | $0 |
| Hispanic | 13 | $4,991,000 | $383,000 | $1,700,000 | $108,000 | $354,000 |
| Asian | 9 | $2,692,000 | $299,000 | $448,000 | $139,000 | $199,000 |
| Black or African American | 3 | $731,000 | $243,000 | $388,000 | $114,000 | $155,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $409,000 | $409,000 | $409,000 | $369,000 | $369,000 |
| American Indian or Alaskan Native | 1 | $171,000 | $171,000 | $171,000 | $83,000 | $83,000 |
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) | 186 | $103,024,000 | $553,000 | $9,750,000 | $252,000 | $2,539,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,918,000 | $274,000 | $608,000 | $41,000 | $153,000 |
| 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 | 87 | $49,227,000 | $565,000 | $9,750,000 | $329,000 | $2,539,000 |
| Loan Purchased By The Institution | 44 | $37,021,000 | $841,000 | $3,000,000 | $207,000 | $1,368,000 |
| Application Withdrawn By Applicant | 33 | $10,918,000 | $330,000 | $2,000,000 | $161,000 | $703,000 |
| Application Denied By Financial Institution | 23 | $6,710,000 | $291,000 | $971,000 | $84,000 | $425,000 |
| Application Approved But Not Accepted | 6 | $1,066,000 | $177,000 | $500,000 | $363,000 | $1,531,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pacific Premier Bank's 2012 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 Pacific Premier 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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