Pacific Mercantile Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Pacific Mercantile Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Pacific Mercantile Bank 949 South Coast Drive 3Rd Floor Costa Mesa, CA 92626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 751 |
| Total Mortgage Loan Application Amount | $319,048,000 |
| Average Mortgage Loan Application Amount | $269,808 |
| Highest Mortgage Loan Application Amount | $13,759,000 |
| Average Applicant Income | $119,553 |
| Highest Applicant Income | $7,320,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Pacific Mercantile Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Pacific Mercantile Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Pacific Mercantile Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Pacific Mercantile Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Pacific Mercantile Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Pacific Mercantile Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 162 | $ 78,237,000 | $ 482,000 | $ 193,000 |
| Orange County California | 145 | $ 79,882,000 | $ 550,000 | $ 179,000 |
| Riverside County California | 74 | $ 24,411,000 | $ 329,000 | $ 148,000 |
| San Bernardino County California | 55 | $ 13,645,000 | $ 248,000 | $ 94,000 |
| Clark County Nevada | 43 | $ 10,645,000 | $ 247,000 | $ 172,000 |
| San Diego County California | 33 | $ 36,210,000 | $ 1,097,000 | $ 144,000 |
| Maricopa County Arizona | 14 | $ 3,901,000 | $ 278,000 | $ 124,000 |
| Kern County California | 12 | $ 2,546,000 | $ 212,000 | $ 84,000 |
| Cook County Illinois | 9 | $ 1,921,000 | $ 213,000 | $ 133,000 |
| Contra Costa County California | 8 | $ 4,303,000 | $ 537,000 | $ 185,000 |
| Ventura County California | 8 | $ 3,336,000 | $ 417,000 | $ 187,000 |
| Broward County Florida | 8 | $ 2,182,000 | $ 272,000 | $ 154,000 |
| Washoe County Nevada | 7 | $ 1,504,000 | $ 214,000 | $ 114,000 |
| Alameda County California | 6 | $ 1,722,000 | $ 287,000 | $ 107,000 |
| Sacramento County California | 6 | $ 1,561,000 | $ 260,000 | $ 148,000 |
| Palm Beach County Florida | 6 | $ 1,486,000 | $ 247,000 | $ 90,000 |
| San Mateo County California | 5 | $ 5,625,000 | $ 1,125,000 | $ 338,000 |
| Santa Clara County California | 5 | $ 4,783,000 | $ 956,000 | $ 218,000 |
| Tarrant County Texas | 5 | $ 897,000 | $ 179,000 | $ 177,000 |
| Gwinnett County Georgia | 4 | $ 849,000 | $ 212,000 | $ 95,000 |
| Pima County Arizona | 3 | $ 1,265,000 | $ 421,000 | $ 167,000 |
| Marin County California | 3 | $ 1,553,000 | $ 517,000 | $ 169,000 |
| San Joaquin County California | 3 | $ 502,000 | $ 167,000 | $ 68,000 |
| Stanislaus County California | 3 | $ 950,000 | $ 316,000 | $ 123,000 |
| Brevard County Florida | 3 | $ 476,000 | $ 158,000 | $ 23,000 |
| Volusia County Florida | 3 | $ 737,000 | $ 245,000 | $ 85,000 |
| Honolulu County Hawaii | 3 | $ 988,000 | $ 329,000 | $ 344,000 |
| Norfolk County Massachusetts | 3 | $ 1,175,000 | $ 391,000 | $ 143,000 |
| New York County New York | 3 | $ 2,446,000 | $ 815,000 | $ 336,000 |
| Harris County Texas | 3 | $ 198,000 | $ 66,000 | $ 360,000 |
| King County Washington | 3 | $ 1,502,000 | $ 500,000 | $ 215,000 |
| Cochise County Arizona | 2 | $ 214,000 | $ 107,000 | $ 75,000 |
| Mohave County Arizona | 2 | $ 532,000 | $ 266,000 | $ 174,000 |
| Mono County California | 2 | $ 228,000 | $ 114,000 | $ 94,000 |
| Santa Barbara County California | 2 | $ 685,000 | $ 342,000 | $ 42,000 |
| Santa Cruz County California | 2 | $ 864,000 | $ 432,000 | $ 0 |
| Sutter County California | 2 | $ 571,000 | $ 285,000 | $ 84,000 |
| Hartford County Connecticut | 2 | $ 176,000 | $ 88,000 | $ 70,000 |
| Litchfield County Connecticut | 2 | $ 309,000 | $ 154,000 | $ 62,000 |
| New Haven County Connecticut | 2 | $ 511,000 | $ 255,000 | $ 99,000 |
| Duval County Florida | 2 | $ 765,000 | $ 382,000 | $ 157,000 |
| Flagler County Florida | 2 | $ 950,000 | $ 475,000 | $ 296,000 |
| Okaloosa County Florida | 2 | $ 161,000 | $ 80,000 | $ 81,000 |
| Orange County Florida | 2 | $ 247,000 | $ 123,000 | $ 42,000 |
| Cobb County Georgia | 2 | $ 239,000 | $ 119,000 | $ 109,000 |
| Maui County Hawaii | 2 | $ 1,723,000 | $ 861,000 | $ 225,000 |
| Canyon County Idaho | 2 | $ 311,000 | $ 155,000 | $ 108,000 |
| Shelby County Indiana | 2 | $ 95,000 | $ 47,000 | $ 39,000 |
| Forsyth County North Carolina | 2 | $ 130,000 | $ 65,000 | $ 89,000 |
| Hamilton County Ohio | 2 | $ 300,000 | $ 150,000 | $ 90,000 |
| Deschutes County Oregon | 2 | $ 442,000 | $ 221,000 | $ 106,000 |
| Washington County Oregon | 2 | $ 362,000 | $ 181,000 | $ 96,000 |
| Yamhill County Oregon | 2 | $ 990,000 | $ 495,000 | $ 180,000 |
| Salt Lake County Utah | 2 | $ 290,000 | $ 145,000 | $ 114,000 |
| Snohomish County Washington | 2 | $ 1,070,000 | $ 535,000 | $ 144,000 |
| Wrangell-Petersburg County Alaska | 1 | $ 287,000 | $ 287,000 | $ 114,000 |
| La Paz County Arizona | 1 | $ 844,000 | $ 844,000 | $ 420,000 |
| El Dorado County California | 1 | $ 354,000 | $ 354,000 | $ 157,000 |
| Fresno County California | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Inyo County California | 1 | $ 272,000 | $ 272,000 | $ 80,000 |
| Madera County California | 1 | $ 197,000 | $ 197,000 | $ 63,000 |
| Mariposa County California | 1 | $ 400,000 | $ 400,000 | $ 222,000 |
| Merced County California | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Monterey County California | 1 | $ 1,000,000 | $ 1,000,000 | $ 423,000 |
| Placer County California | 1 | $ 460,000 | $ 460,000 | $ 144,000 |
| San Luis Obispo County California | 1 | $ 338,000 | $ 338,000 | $ 70,000 |
| Sonoma County California | 1 | $ 540,000 | $ 540,000 | $ 120,000 |
| Tulare County California | 1 | $ 600,000 | $ 600,000 | $ 204,000 |
| Denver County Colorado | 1 | $ 113,000 | $ 113,000 | $ 41,000 |
| Fairfield County Connecticut | 1 | $ 160,000 | $ 160,000 | $ 95,000 |
| Collier County Florida | 1 | $ 499,000 | $ 499,000 | $ 0 |
| Hernando County Florida | 1 | $ 72,000 | $ 72,000 | $ 72,000 |
| Miami-Dade County Florida | 1 | $ 125,000 | $ 125,000 | $ 30,000 |
| Nassau County Florida | 1 | $ 433,000 | $ 433,000 | $ 180,000 |
| St. Lucie County Florida | 1 | $ 173,000 | $ 173,000 | $ 71,000 |
| DeKalb County Georgia | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Kauai County Hawaii | 1 | $ 423,000 | $ 423,000 | $ 0 |
| Hendricks County Indiana | 1 | $ 137,000 | $ 137,000 | $ 55,000 |
| Marion County Indiana | 1 | $ 106,000 | $ 106,000 | $ 80,000 |
| Marshall County Kentucky | 1 | $ 104,000 | $ 104,000 | $ 139,000 |
| Morgan County Kentucky | 1 | $ 98,000 | $ 98,000 | $ 70,000 |
| Calvert County Maryland | 1 | $ 320,000 | $ 320,000 | $ 123,000 |
| Carroll County Maryland | 1 | $ 387,000 | $ 387,000 | $ 120,000 |
| Frederick County Maryland | 1 | $ 198,000 | $ 198,000 | $ 28,000 |
| Prince George's County Maryland | 1 | $ 140,000 | $ 140,000 | $ 111,000 |
| Suffolk County Massachusetts | 1 | $ 307,000 | $ 307,000 | $ 188,000 |
| Lafayette County Mississippi | 1 | $ 180,000 | $ 180,000 | $ 87,000 |
| Boone County Missouri | 1 | $ 203,000 | $ 203,000 | $ 49,000 |
| Franklin County Missouri | 1 | $ 111,000 | $ 111,000 | $ 42,000 |
| Elko County Nevada | 1 | $ 96,000 | $ 96,000 | $ 57,000 |
| Hillsborough County New Hampshire | 1 | $ 285,000 | $ 285,000 | $ 174,000 |
| Nassau County New York | 1 | $ 180,000 | $ 180,000 | $ 72,000 |
| Pitt County North Carolina | 1 | $ 98,000 | $ 98,000 | $ 41,000 |
| Wake County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Portage County Ohio | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Stark County Ohio | 1 | $ 144,000 | $ 144,000 | $ 63,000 |
| Jackson County Oregon | 1 | $ 170,000 | $ 170,000 | $ 48,000 |
| Klamath County Oregon | 1 | $ 179,000 | $ 179,000 | $ 53,000 |
| Delaware County Pennsylvania | 1 | $ 163,000 | $ 163,000 | $ 62,000 |
| Anderson County Tennessee | 1 | $ 53,000 | $ 53,000 | $ 42,000 |
| Coffee County Tennessee | 1 | $ 172,000 | $ 172,000 | $ 53,000 |
| Shelby County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Bexar County Texas | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Arlington County Virginia | 1 | $ 503,000 | $ 503,000 | $ 175,000 |
| Culpeper County Virginia | 1 | $ 1,400,000 | $ 1,400,000 | $ 462,000 |
| Fairfax County Virginia | 1 | $ 500,000 | $ 500,000 | $ 106,000 |
| Portsmouth County Virginia | 1 | $ 136,000 | $ 136,000 | $ 172,000 |
| Prince William County Virginia | 1 | $ 472,000 | $ 472,000 | $ 102,000 |
| Stevens County Washington | 1 | $ 147,000 | $ 147,000 | $ 168,000 |
| Thurston County Washington | 1 | $ 176,000 | $ 176,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Pacific Mercantile Bank in 2005
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 | 421 | $164,974,000 | $276,360 | $9,800,000 | $105,040 | $7,320,000 |
| Home Purchase | 290 | $135,712,000 | $252,357 | $13,759,000 | $162,285 | $623,000 |
| Home Improvement | 40 | $18,362,000 | $279,875 | $1,925,000 | $90,125 | $456,000 |
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 | 416 | $161,368,000 | $255,115 | $5,000,000 | $135,269 | $7,320,000 |
| Hispanic | 169 | $47,752,000 | $257,666 | $1,000,000 | $97,333 | $311,000 |
| Not Provided | 52 | $21,266,000 | $446,666 | $1,950,000 | $160,888 | $477,000 |
| Asian | 47 | $25,374,000 | $386,285 | $5,700,000 | $127,000 | $2,400,000 |
| Black or African American | 44 | $12,607,000 | $178,272 | $840,000 | $72,727 | $277,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $4,002,000 | $302,250 | $1,000,000 | $65,750 | $390,000 |
| Not applicable | 10 | $43,877,000 | $4,387,000 | $13,759,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $2,802,000 | $1,122,500 | $1,688,000 | $255,000 | $319,000 |
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) | 751 | $319,048,000 | $253,821 | $13,759,000 | $118,857 | $7,320,000 |
| 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 | 367 | $145,405,000 | $258,869 | $4,800,000 | $112,521 | $2,004,000 |
| Application Approved But Not Accepted | 179 | $66,868,000 | $260,473 | $5,700,000 | $97,473 | $2,400,000 |
| Application Denied By Financial Institution | 110 | $69,433,000 | $410,727 | $13,759,000 | $246,272 | $7,320,000 |
| Application Withdrawn By Applicant | 93 | $36,252,000 | $308,500 | $1,950,000 | $108,700 | $456,000 |
| Loan Purchased By The Institution | 2 | $1,090,000 | $545,000 | $840,000 | $138,000 | $226,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 Mercantile Bank's 2005 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 Mercantile 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.