Pacific Mercantile Bank Mortgage Lending & HMDA Data, 2012
In 2012, Pacific Mercantile Bank of Costa Mesa, CA reported 6,332 mortgage applications totaling $1.9 billion, up 142% from 2011. The average application was for $292,816, and applicants reported an average income of $76,440. 55% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (2,319), Riverside-San Bernardino-Ontario, CA (1,042) and Santa Ana-Anaheim-Irvine, CA (833) (applications in parentheses).
| 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 | 6,332 |
| Total Mortgage Loan Application Amount | $1,854,117,000 |
| Average Mortgage Loan Application Amount | $292,816 |
| Highest Mortgage Loan Application Amount | $5,831,000 |
| Average Applicant Income | $76,440 |
| Highest Applicant Income | $2,595,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pacific Mercantile Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles, California | 2,319 | $ 738,654,000 | $ 318,522 | $ 81,000 |
| Orange, California | 833 | $ 319,028,000 | $ 382,986 | $ 108,000 |
| Riverside, California | 596 | $ 129,984,000 | $ 218,093 | $ 66,000 |
| San Diego, California | 517 | $ 180,307,000 | $ 348,756 | $ 85,000 |
| San Bernardino, California | 446 | $ 85,154,000 | $ 190,928 | $ 53,000 |
| Contra Costa, California | 112 | $ 31,562,000 | $ 281,803 | $ 82,000 |
| Ventura, California | 105 | $ 43,340,000 | $ 412,761 | $ 103,000 |
| Fresno, California | 74 | $ 13,340,000 | $ 180,270 | $ 66,000 |
| Sacramento, California | 66 | $ 12,433,000 | $ 188,378 | $ 46,000 |
| Kern, California | 60 | $ 8,491,000 | $ 141,516 | $ 60,000 |
| Clark, Nevada | 54 | $ 10,490,000 | $ 194,259 | $ 70,000 |
| Maricopa, Arizona | 53 | $ 9,193,000 | $ 173,452 | $ 55,000 |
| Alameda, California | 52 | $ 15,673,000 | $ 301,403 | $ 90,000 |
| Harris, Texas | 39 | $ 4,549,000 | $ 116,641 | $ 62,000 |
| Solano, California | 34 | $ 7,996,000 | $ 235,176 | $ 26,000 |
| Santa Clara, California | 32 | $ 11,944,000 | $ 373,250 | $ 92,000 |
| King, Washington | 27 | $ 7,918,000 | $ 293,259 | $ 79,000 |
| Pierce, Washington | 26 | $ 6,065,000 | $ 233,269 | $ 19,000 |
| Monterey, California | 24 | $ 5,165,000 | $ 215,208 | $ 46,000 |
| Placer, California | 22 | $ 9,608,000 | $ 436,727 | $ 83,000 |
| San Mateo, California | 20 | $ 8,521,000 | $ 426,050 | $ 105,000 |
| Tulare, California | 20 | $ 2,759,000 | $ 137,950 | $ 25,000 |
| Snohomish, Washington | 19 | $ 5,151,000 | $ 271,105 | $ 34,000 |
| San Joaquin, California | 18 | $ 3,708,000 | $ 206,000 | $ 24,000 |
| Santa Barbara, California | 17 | $ 7,870,000 | $ 462,941 | $ 217,000 |
| Santa Cruz, California | 17 | $ 4,739,000 | $ 278,764 | $ 59,000 |
| Fairfax, Virginia | 17 | $ 6,589,000 | $ 387,588 | $ 115,000 |
| Merced, California | 14 | $ 2,777,000 | $ 198,357 | $ 41,000 |
| Honolulu, Hawaii | 14 | $ 5,540,000 | $ 395,714 | $ 84,000 |
| Imperial, California | 13 | $ 2,143,000 | $ 164,846 | $ 39,000 |
| Pima, Arizona | 12 | $ 1,749,000 | $ 145,750 | $ 36,000 |
| Clark, Washington | 12 | $ 3,015,000 | $ 251,250 | $ 23,000 |
| Spokane, Washington | 12 | $ 2,538,000 | $ 211,500 | $ 30,000 |
| Madera, California | 11 | $ 1,670,000 | $ 151,818 | $ 33,000 |
| Mecklenburg, North Carolina | 11 | $ 1,986,000 | $ 180,545 | $ 61,000 |
| Bexar, Texas | 11 | $ 2,454,000 | $ 223,090 | $ 48,000 |
| Prince George's, Maryland | 10 | $ 2,263,000 | $ 226,300 | $ 15,000 |
| Washoe, Nevada | 10 | $ 2,474,000 | $ 247,400 | $ 46,000 |
| El Dorado, California | 9 | $ 3,454,000 | $ 383,777 | $ 360,000 |
| San Luis Obispo, California | 9 | $ 3,853,000 | $ 428,111 | $ 136,000 |
| Fort Bend, Texas | 9 | $ 959,000 | $ 106,555 | $ 42,000 |
| Thurston, Washington | 9 | $ 2,295,000 | $ 255,000 | $ 22,000 |
| San Francisco, California | 8 | $ 4,309,000 | $ 538,625 | $ 141,000 |
| Yuba, California | 8 | $ 1,204,000 | $ 150,500 | $ 29,000 |
| Arapahoe, Colorado | 8 | $ 1,665,000 | $ 208,125 | $ 31,000 |
| Jefferson, Colorado | 8 | $ 2,189,000 | $ 273,625 | $ 13,000 |
| Kitsap, Washington | 8 | $ 2,292,000 | $ 286,500 | $ 13,000 |
| Kings, California | 7 | $ 966,000 | $ 138,000 | $ 12,000 |
| Marin, California | 7 | $ 3,587,000 | $ 512,428 | $ 108,000 |
| Shasta, California | 7 | $ 1,604,000 | $ 229,142 | $ 68,000 |
| Sonoma, California | 7 | $ 2,468,000 | $ 352,571 | $ 34,000 |
| El Paso, Colorado | 7 | $ 1,227,000 | $ 175,285 | $ 20,000 |
| Maui, Hawaii | 7 | $ 2,408,000 | $ 344,000 | $ 90,000 |
| Anne Arundel, Maryland | 7 | $ 2,250,000 | $ 321,428 | $ 0 |
| Baltimore, Maryland | 7 | $ 2,399,000 | $ 342,714 | $ 68,000 |
| Middlesex, Massachusetts | 7 | $ 1,720,000 | $ 245,714 | $ 100,000 |
| Cumberland, North Carolina | 7 | $ 724,000 | $ 103,428 | $ 19,000 |
| Prince William, Virginia | 7 | $ 1,887,000 | $ 269,571 | $ 48,000 |
| San Benito, California | 6 | $ 1,972,000 | $ 328,666 | $ 13,000 |
| Plymouth, Massachusetts | 6 | $ 1,172,000 | $ 195,333 | $ 28,000 |
| Linn, Oregon | 6 | $ 924,000 | $ 154,000 | $ 42,000 |
| Tarrant, Texas | 6 | $ 929,000 | $ 154,833 | $ 79,000 |
| Stafford, Virginia | 6 | $ 1,910,000 | $ 318,333 | $ 54,000 |
| Charles, Maryland | 5 | $ 931,000 | $ 186,200 | $ 35,000 |
| Montgomery, Maryland | 5 | $ 1,512,000 | $ 302,400 | $ 65,000 |
| Bristol, Massachusetts | 5 | $ 1,127,000 | $ 225,400 | $ 13,000 |
| Ramsey, Minnesota | 5 | $ 751,000 | $ 150,200 | $ 68,000 |
| Bernalillo, New Mexico | 5 | $ 795,000 | $ 159,000 | $ 32,000 |
| Forsyth, North Carolina | 5 | $ 760,000 | $ 152,000 | $ 46,000 |
| Guilford, North Carolina | 5 | $ 883,000 | $ 176,600 | $ 6,000 |
| Washington, Oregon | 5 | $ 472,000 | $ 94,400 | $ 56,000 |
| Collin, Texas | 5 | $ 867,000 | $ 173,400 | $ 21,000 |
| Denton, Texas | 5 | $ 903,000 | $ 180,600 | $ 92,000 |
| Travis, Texas | 5 | $ 1,105,000 | $ 221,000 | $ 45,000 |
| Davis, Utah | 5 | $ 917,000 | $ 183,400 | $ 8,000 |
| Salt Lake, Utah | 5 | $ 736,000 | $ 147,200 | $ 44,000 |
| Arlington, Virginia | 5 | $ 2,365,000 | $ 473,000 | $ 218,000 |
| Skagit, Washington | 5 | $ 1,297,000 | $ 259,400 | $ 20,000 |
| Butte, California | 4 | $ 1,145,000 | $ 286,250 | $ 33,000 |
| Napa, California | 4 | $ 1,480,000 | $ 370,000 | $ 81,000 |
| Yolo, California | 4 | $ 823,000 | $ 205,750 | $ 72,000 |
| Adams, Colorado | 4 | $ 707,000 | $ 176,750 | $ 71,000 |
| Douglas, Colorado | 4 | $ 861,000 | $ 215,250 | $ 56,000 |
| Canyon, Idaho | 4 | $ 668,000 | $ 167,000 | $ 93,000 |
| Howard, Maryland | 4 | $ 897,000 | $ 224,250 | $ 59,000 |
| Worcester, Massachusetts | 4 | $ 644,000 | $ 161,000 | $ 0 |
| Hennepin, Minnesota | 4 | $ 533,000 | $ 133,250 | $ 59,000 |
| Clackamas, Oregon | 4 | $ 971,000 | $ 242,750 | $ 30,000 |
| Dallas, Texas | 4 | $ 573,000 | $ 143,250 | $ 60,000 |
| Montgomery, Texas | 4 | $ 912,000 | $ 228,000 | $ 90,000 |
| Chesterfield, Virginia | 4 | $ 704,000 | $ 176,000 | $ 0 |
| Loudoun, Virginia | 4 | $ 1,573,000 | $ 393,250 | $ 48,000 |
| Newport News, Virginia | 4 | $ 863,000 | $ 215,750 | $ 0 |
| Virginia Beach, Virginia | 4 | $ 809,000 | $ 202,250 | $ 0 |
| Island, Washington | 4 | $ 930,000 | $ 232,500 | $ 15,000 |
| Mohave, Arizona | 3 | $ 339,000 | $ 113,000 | $ 132,000 |
| Yavapai, Arizona | 3 | $ 306,000 | $ 102,000 | $ 15,000 |
| Sutter, California | 3 | $ 709,000 | $ 236,333 | $ 12,000 |
| Weld, Colorado | 3 | $ 600,000 | $ 200,000 | $ 55,000 |
| Ada, Idaho | 3 | $ 439,000 | $ 146,333 | $ 93,000 |
| St. Mary's, Maryland | 3 | $ 681,000 | $ 227,000 | $ 0 |
| Suffolk, Massachusetts | 3 | $ 810,000 | $ 270,000 | $ 19,000 |
| Dona Ana, New Mexico | 3 | $ 971,000 | $ 323,666 | $ 52,000 |
| Multnomah, Oregon | 3 | $ 889,000 | $ 296,333 | $ 0 |
| Providence, Rhode Island | 3 | $ 424,000 | $ 141,333 | $ 0 |
| Bell, Texas | 3 | $ 440,000 | $ 146,666 | $ 0 |
| Chambers, Texas | 3 | $ 254,000 | $ 84,666 | $ 29,000 |
| El Paso, Texas | 3 | $ 649,000 | $ 216,333 | $ 60,000 |
| Parker, Texas | 3 | $ 488,000 | $ 162,666 | $ 92,000 |
| Utah, Utah | 3 | $ 500,000 | $ 166,666 | $ 18,000 |
| Chesapeake, Virginia | 3 | $ 638,000 | $ 212,666 | $ 0 |
| Henrico, Virginia | 3 | $ 965,000 | $ 321,666 | $ 75,000 |
| Spotsylvania, Virginia | 3 | $ 677,000 | $ 225,666 | $ 0 |
| Benton, Washington | 3 | $ 508,000 | $ 169,333 | $ 0 |
| Lewis, Washington | 3 | $ 810,000 | $ 270,000 | $ 125,000 |
| Anchorage, Alaska | 2 | $ 757,000 | $ 378,500 | $ 143,000 |
| Amador, California | 2 | $ 610,000 | $ 305,000 | $ 0 |
| Calaveras, California | 2 | $ 601,000 | $ 300,500 | $ 77,000 |
| Mono, California | 2 | $ 540,000 | $ 270,000 | $ 349,000 |
| Nevada, California | 2 | $ 446,000 | $ 223,000 | $ 20,000 |
| Stanislaus, California | 2 | $ 331,000 | $ 165,500 | $ 24,000 |
| Tuolumne, California | 2 | $ 418,000 | $ 209,000 | $ 20,000 |
| Boulder, Colorado | 2 | $ 538,000 | $ 269,000 | $ 36,000 |
| Denver, Colorado | 2 | $ 411,000 | $ 205,500 | $ 0 |
| Eagle, Colorado | 2 | $ 561,000 | $ 280,500 | $ 96,000 |
| Elbert, Colorado | 2 | $ 505,000 | $ 252,500 | $ 0 |
| Pueblo, Colorado | 2 | $ 438,000 | $ 219,000 | $ 0 |
| Calvert, Maryland | 2 | $ 807,000 | $ 403,500 | $ 67,000 |
| Frederick, Maryland | 2 | $ 678,000 | $ 339,000 | $ 71,000 |
| Harford, Maryland | 2 | $ 517,000 | $ 258,500 | $ 0 |
| Talbot, Maryland | 2 | $ 1,581,000 | $ 790,500 | $ 385,000 |
| Washington, Maryland | 2 | $ 420,000 | $ 210,000 | $ 72,000 |
| Essex, Massachusetts | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Hampden, Massachusetts | 2 | $ 345,000 | $ 172,500 | $ 36,000 |
| Norfolk, Massachusetts | 2 | $ 467,000 | $ 233,500 | $ 28,000 |
| Dakota, Minnesota | 2 | $ 663,000 | $ 331,500 | $ 46,000 |
| Sherburne, Minnesota | 2 | $ 369,000 | $ 184,500 | $ 97,000 |
| Sandoval, New Mexico | 2 | $ 429,000 | $ 214,500 | $ 63,000 |
| Santa Fe, New Mexico | 2 | $ 570,000 | $ 285,000 | $ 88,000 |
| Cabarrus, North Carolina | 2 | $ 326,000 | $ 163,000 | $ 0 |
| Carteret, North Carolina | 2 | $ 582,000 | $ 291,000 | $ 88,000 |
| Henderson, North Carolina | 2 | $ 340,000 | $ 170,000 | $ 54,000 |
| Johnston, North Carolina | 2 | $ 231,000 | $ 115,500 | $ 0 |
| New Hanover, North Carolina | 2 | $ 449,000 | $ 224,500 | $ 0 |
| Columbia, Oregon | 2 | $ 368,000 | $ 184,000 | $ 27,000 |
| Coos, Oregon | 2 | $ 608,000 | $ 304,000 | $ 26,000 |
| Deschutes, Oregon | 2 | $ 315,000 | $ 157,500 | $ 26,000 |
| Jackson, Oregon | 2 | $ 352,000 | $ 176,000 | $ 36,000 |
| Coryell, Texas | 2 | $ 383,000 | $ 191,500 | $ 0 |
| Nueces, Texas | 2 | $ 417,000 | $ 208,500 | $ 111,000 |
| Tom Green, Texas | 2 | $ 314,000 | $ 157,000 | $ 63,000 |
| Williamson, Texas | 2 | $ 326,000 | $ 163,000 | $ 0 |
| Hanover, Virginia | 2 | $ 462,000 | $ 231,000 | $ 0 |
| Norfolk, Virginia | 2 | $ 400,000 | $ 200,000 | $ 32,000 |
| Cowlitz, Washington | 2 | $ 346,000 | $ 173,000 | $ 22,000 |
| Grant, Washington | 2 | $ 357,000 | $ 178,500 | $ 25,000 |
| Yakima, Washington | 2 | $ 272,000 | $ 136,000 | $ 0 |
| Juneau, Alaska | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Kenai Peninsula, Alaska | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Cochise, Arizona | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Navajo, Arizona | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Pinal, Arizona | 1 | $ 116,000 | $ 116,000 | $ 91,000 |
| Alpine, California | 1 | $ 345,000 | $ 345,000 | $ 52,000 |
| Colusa, California | 1 | $ 72,000 | $ 72,000 | $ 36,000 |
| Humboldt, California | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Mendocino, California | 1 | $ 88,000 | $ 88,000 | $ 37,000 |
| Sierra, California | 1 | $ 400,000 | $ 400,000 | $ 88,000 |
| Siskiyou, California | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Tehama, California | 1 | $ 261,000 | $ 261,000 | $ 58,000 |
| Delta, Colorado | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Fremont, Colorado | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Garfield, Colorado | 1 | $ 195,000 | $ 195,000 | $ 83,000 |
| Lake, Colorado | 1 | $ 151,000 | $ 151,000 | $ 57,000 |
| Larimer, Colorado | 1 | $ 129,000 | $ 129,000 | $ 80,000 |
| Montrose, Colorado | 1 | $ 188,000 | $ 188,000 | $ 0 |
| District of Columbia, District Of Columbia | 1 | $ 467,000 | $ 467,000 | $ 192,000 |
| Broward, Florida | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Kauai, Hawaii | 1 | $ 708,000 | $ 708,000 | $ 128,000 |
| Benewah, Idaho | 1 | $ 131,000 | $ 131,000 | $ 60,000 |
| Caribou, Idaho | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Elmore, Idaho | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Cook, Illinois | 1 | $ 293,000 | $ 293,000 | $ 101,000 |
| Shelby, Iowa | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Riley, Kansas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Calcasieu, Louisiana | 1 | $ 309,000 | $ 309,000 | $ 0 |
| Baltimore City, Maryland | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
| Caroline, Maryland | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Barnstable, Massachusetts | 1 | $ 160,000 | $ 160,000 | $ 39,000 |
| Dukes, Massachusetts | 1 | $ 355,000 | $ 355,000 | $ 44,000 |
| Franklin, Massachusetts | 1 | $ 207,000 | $ 207,000 | $ 60,000 |
| Jackson, Michigan | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Wayne, Michigan | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Anoka, Minnesota | 1 | $ 90,000 | $ 90,000 | $ 90,000 |
| Carlton, Minnesota | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Carver, Minnesota | 1 | $ 224,000 | $ 224,000 | $ 139,000 |
| Lyon, Minnesota | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Mower, Minnesota | 1 | $ 119,000 | $ 119,000 | $ 0 |
| St. Louis, Minnesota | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Washington, Minnesota | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Elko, Nevada | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Nye, Nevada | 1 | $ 114,000 | $ 114,000 | $ 96,000 |
| Mercer, New Jersey | 1 | $ 469,000 | $ 469,000 | $ 239,000 |
| Alamance, North Carolina | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Alexander, North Carolina | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Buncombe, North Carolina | 1 | $ 168,000 | $ 168,000 | $ 58,000 |
| Cleveland, North Carolina | 1 | $ 56,000 | $ 56,000 | $ 67,000 |
| Craven, North Carolina | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Duplin, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Durham, North Carolina | 1 | $ 110,000 | $ 110,000 | $ 22,000 |
| Gaston, North Carolina | 1 | $ 102,000 | $ 102,000 | $ 66,000 |
| Granville, North Carolina | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Harnett, North Carolina | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Jackson, North Carolina | 1 | $ 146,000 | $ 146,000 | $ 110,000 |
| Moore, North Carolina | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Pasquotank, North Carolina | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Person, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Randolph, North Carolina | 1 | $ 164,000 | $ 164,000 | $ 36,000 |
| Stanly, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Wake, North Carolina | 1 | $ 144,000 | $ 144,000 | $ 48,000 |
| Wilson, North Carolina | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Yadkin, North Carolina | 1 | $ 64,000 | $ 64,000 | $ 18,000 |
| Clatsop, Oregon | 1 | $ 153,000 | $ 153,000 | $ 39,000 |
| Douglas, Oregon | 1 | $ 618,000 | $ 618,000 | $ 118,000 |
| Jefferson, Oregon | 1 | $ 276,000 | $ 276,000 | $ 233,000 |
| Lane, Oregon | 1 | $ 156,000 | $ 156,000 | $ 76,000 |
| Malheur, Oregon | 1 | $ 121,000 | $ 121,000 | $ 60,000 |
| Polk, Oregon | 1 | $ 116,000 | $ 116,000 | $ 78,000 |
| Wasco, Oregon | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 160,000 | $ 160,000 | $ 90,000 |
| Dorchester, South Carolina | 1 | $ 217,000 | $ 217,000 | $ 120,000 |
| Bastrop, Texas | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Brazoria, Texas | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Cass, Texas | 1 | $ 94,000 | $ 94,000 | $ 34,000 |
| Ector, Texas | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Ellis, Texas | 1 | $ 195,000 | $ 195,000 | $ 116,000 |
| Erath, Texas | 1 | $ 112,000 | $ 112,000 | $ 105,000 |
| Galveston, Texas | 1 | $ 176,000 | $ 176,000 | $ 86,000 |
| Gillespie, Texas | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Guadalupe, Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Hays, Texas | 1 | $ 103,000 | $ 103,000 | $ 31,000 |
| Houston, Texas | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Midland, Texas | 1 | $ 215,000 | $ 215,000 | $ 112,000 |
| Rockwall, Texas | 1 | $ 154,000 | $ 154,000 | $ 0 |
| San Patricio, Texas | 1 | $ 112,000 | $ 112,000 | $ 1,000 |
| Taylor, Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Cache, Utah | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Albemarle, Virginia | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Alexandria, Virginia | 1 | $ 274,000 | $ 274,000 | $ 80,000 |
| Botetourt, Virginia | 1 | $ 121,000 | $ 121,000 | $ 49,000 |
| Caroline, Virginia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Dinwiddie, Virginia | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Fauquier, Virginia | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Giles, Virginia | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Greensville, Virginia | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Hampton, Virginia | 1 | $ 140,000 | $ 140,000 | $ 0 |
| King and Queen, Virginia | 1 | $ 164,000 | $ 164,000 | $ 60,000 |
| Montgomery, Virginia | 1 | $ 248,000 | $ 248,000 | $ 90,000 |
| Richmond City, Virginia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Roanoke City, Virginia | 1 | $ 273,000 | $ 273,000 | $ 0 |
| Suffolk, Virginia | 1 | $ 210,000 | $ 210,000 | $ 0 |
| York, Virginia | 1 | $ 393,000 | $ 393,000 | $ 0 |
| Chelan, Washington | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Clallam, Washington | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Douglas, Washington | 1 | $ 348,000 | $ 348,000 | $ 186,000 |
| Grays Harbor, Washington | 1 | $ 370,000 | $ 370,000 | $ 378,000 |
| Kittitas, Washington | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Klickitat, Washington | 1 | $ 221,000 | $ 221,000 | $ 71,000 |
| Mason, Washington | 1 | $ 169,000 | $ 169,000 | $ 0 |
| San Juan, Washington | 1 | $ 369,000 | $ 369,000 | $ 0 |
| Whatcom, Washington | 1 | $ 219,000 | $ 219,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Pacific Mercantile 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 | 3,380 | $1,113,185,000 | $329,000 | $5,831,000 | $73,000 | $2,595,000 |
| Home Purchase | 2,882 | $721,708,000 | $250,000 | $2,700,000 | $80,000 | $2,036,000 |
| Home Improvement | 70 | $19,224,000 | $274,000 | $980,000 | $96,000 | $486,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 2,165 | $493,970,000 | $228,000 | $2,000,000 | $56,000 | $985,000 |
| White | 2,001 | $677,415,000 | $338,000 | $5,831,000 | $95,000 | $2,595,000 |
| Not Provided | 1,285 | $376,109,000 | $292,000 | $2,435,000 | $75,000 | $1,530,000 |
| Asian | 544 | $184,830,000 | $339,000 | $2,000,000 | $102,000 | $912,000 |
| Black or African American | 235 | $62,046,000 | $264,000 | $648,000 | $61,000 | $400,000 |
| Native Hawaiian or Other Pacific Islander | 57 | $16,661,000 | $292,000 | $708,000 | $71,000 | $212,000 |
| Not applicable | 25 | $36,468,000 | $1,458,000 | $5,500,000 | $4,000 | $117,000 |
| American Indian or Alaskan Native | 20 | $6,618,000 | $330,000 | $1,110,000 | $120,000 | $389,000 |
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) | 2,936 | $949,665,000 | $323,000 | $5,831,000 | $114,000 | $2,595,000 |
| FHA-insured (Federal Housing Administration) | 2,671 | $672,501,000 | $251,000 | $912,000 | $51,000 | $977,000 |
| VA-guaranteed (Veterans Administration) | 725 | $231,951,000 | $319,000 | $902,000 | $20,000 | $417,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 3,486 | $1,012,269,000 | $290,000 | $5,831,000 | $67,000 | $2,595,000 |
| Application Approved But Not Accepted | 1,007 | $288,091,000 | $286,000 | $2,363,000 | $84,000 | $1,530,000 |
| Application Denied By Financial Institution | 843 | $259,656,000 | $308,000 | $2,800,000 | $85,000 | $1,569,000 |
| Application Withdrawn By Applicant | 707 | $200,671,000 | $283,000 | $2,950,000 | $90,000 | $1,584,000 |
| File Closed For Incompleteness | 289 | $93,430,000 | $323,000 | $2,000,000 | $101,000 | $2,036,000 |
| Loan Purchased By The Institution | 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 Mercantile 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 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.
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