Applications / Mortgage Analytics / Lenders / California / FFB Bank
Fresno, CA · State non-member bank · FDIC · $1.6 billion assets · 42 loans in 2025
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42
loans originated, 2025
42
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FFB Bank, a Fresno bank, makes few home loans but large ones, and most of them in poorer and majority-minority neighborhoods.
FFB Bank made 42 home loans in 2025, fewer than most similar lenders (banks of the same type making between half and twice as many loans). Its typical loan, though, was $1.3 million, against $165,000 for those peers, larger than at all but a few of them. Three in four of its loans were refinances. The data give no income share for its borrowers, so who they are cannot be read from these figures.
Three in four of its loans were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 19.0% for peers. Nine in ten were in majority-minority tracts, against 5.6%. The shares rest on a few dozen loans and could swing from year to year. The pattern may reflect little more than where a small bank and its customers happen to be.
Its loans rose from 22 in 2024 to 42, but at this size a handful of loans makes a large change. The bank has reported to HMDA since 2009, yet filed no report from 2018 to 2022; those years are gaps in the record, not years without lending. In Fresno, its home market, its share is 0.1%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. FFB Bank took 42 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 76.2% · Other 9.5% · Purchase 9.5% · Not applicable 4.8%
Conventional 100.0% · of 42 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 41 | 97.6% |
| Texas | 1 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 26 |
| Fresno | 7 |
| Bakersfield-Delano | 3 |
| Oakland-Fremont-Berkeley | 2 |
| Sacramento-Roseville-Folsom | 2 |
| Austin-Round Rock-San Marcos | 1 |
| Riverside-San Bernardino-Ontario | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TUGV15PJJSFC84 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3398623 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358090 | 2009–2016 |
Established 23 December 2005. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: FFB Bank's data.
FFB Bank's data
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