Applications / Mortgage Analytics / Lenders / California / First Foundation Bank
Irvine, CA · State non-member bank · FDIC · $11.9 billion assets · 50 loans in 2025
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50
loans originated, 2025
60
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Foundation Bank, an $11.9 billion California bank, made 50 home loans in 2025, almost all refinances, with a typical loan of $2.1 million, the largest among similar lenders.
Refinances were 92.0% of its loans, all conventional. Its typical loan was $2.1 million, against $165,000 at similar lenders, state non-member banks making between half and twice as many loans in 2025. None of them had a larger typical loan.
It made 814 loans in 2021 and 660 in 2022, then 27 in 2023. It made 57 in 2024 and 50 in 2025, a fall of 12% while similar lenders grew 5%. The data do not show why home lending fell away in 2023; a change in what the bank chose to lend for could account for it.
Its share of loans in low- and moderate-income (LMI) areas was 62.0%, against 18.5% at similar lenders, and in majority-minority areas 78.0%, against 5.6%. Both are higher than nearly all of them. On 50 large loans, a few properties move these shares a long way.
Its typical rate was 6.21%, against 7.00% at similar lenders, the lowest among them. It also bought 20 loans, more than nearly all similar lenders.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Foundation Bank took 60 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 92.0% · Purchase 8.0%
Conventional 100.0% · of 50 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 | 47 | 94.0% |
| Arizona | 1 | 2.0% |
| Nevada | 1 | 2.0% |
| Texas | 1 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 38 |
| Anaheim-Santa Ana-Irvine | 4 |
| Fort Worth-Arlington-Grapevine | 1 |
| Las Vegas-Henderson-North Las Vegas | 1 |
| Oakland-Fremont-Berkeley | 1 |
| Oxnard-Thousand Oaks-Ventura | 1 |
| Salinas | 1 |
| San Diego-Chula Vista-Carlsbad | 1 |
| Santa Maria-Santa Barbara | 1 |
| Tucson | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M5KSPQD2HH1N54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3637685 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 418049 | 2009–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1718049 | 2011–2011 |
| Respondent ID (the HMDA filer code before 2018) | 358647 | 2012–2017 |
Established 1 October 2007. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: First Foundation Bank's data.
First Foundation Bank's data
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