Pacific Mercantile Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Pacific Mercantile Bank 2013 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 | 1,596 |
| Total Mortgage Loan Application Amount | $440,973,000 |
| Average Mortgage Loan Application Amount | $241,666 |
| Highest Mortgage Loan Application Amount | $2,520,000 |
| Average Applicant Income | $66,666 |
| Highest Applicant Income | $2,280,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | 308 | $ 113,938,000 | $ 369,000 | $ 88,000 |
| Orange County California | 210 | $ 84,723,000 | $ 403,000 | $ 142,000 |
| Riverside County California | 187 | $ 39,120,000 | $ 209,000 | $ 61,000 |
| San Diego County California | 133 | $ 45,880,000 | $ 344,000 | $ 107,000 |
| San Bernardino County California | 129 | $ 25,534,000 | $ 197,000 | $ 48,000 |
| Harris County Texas | 34 | $ 3,423,000 | $ 100,000 | $ 42,000 |
| Clark County Nevada | 20 | $ 2,454,000 | $ 122,000 | $ 49,000 |
| Worcester County Massachusetts | 16 | $ 3,594,000 | $ 224,000 | $ 32,000 |
| Mecklenburg County North Carolina | 16 | $ 2,847,000 | $ 177,000 | $ 27,000 |
| Salt Lake County Utah | 16 | $ 3,021,000 | $ 188,000 | $ 29,000 |
| Middlesex County Massachusetts | 15 | $ 4,176,000 | $ 278,000 | $ 62,000 |
| Alameda County California | 14 | $ 5,953,000 | $ 425,000 | $ 89,000 |
| Wake County North Carolina | 12 | $ 2,390,000 | $ 199,000 | $ 31,000 |
| Kern County California | 10 | $ 1,733,000 | $ 173,000 | $ 45,000 |
| Prince George's County Maryland | 10 | $ 2,544,000 | $ 254,000 | $ 26,000 |
| Hennepin County Minnesota | 10 | $ 1,971,000 | $ 197,000 | $ 30,000 |
| Maricopa County Arizona | 9 | $ 1,872,000 | $ 208,000 | $ 55,000 |
| Sacramento County California | 9 | $ 1,767,000 | $ 196,000 | $ 39,000 |
| Ventura County California | 9 | $ 2,920,000 | $ 324,000 | $ 44,000 |
| Arapahoe County Colorado | 9 | $ 2,659,000 | $ 295,000 | $ 79,000 |
| Bernalillo County New Mexico | 9 | $ 1,536,000 | $ 170,000 | $ 23,000 |
| Honolulu County Hawaii | 8 | $ 2,073,000 | $ 259,000 | $ 70,000 |
| Washoe County Nevada | 8 | $ 1,603,000 | $ 200,000 | $ 55,000 |
| Fairfax County Virginia | 8 | $ 2,634,000 | $ 329,000 | $ 79,000 |
| King County Washington | 8 | $ 1,880,000 | $ 235,000 | $ 20,000 |
| Fort Bend County Texas | 7 | $ 947,000 | $ 135,000 | $ 40,000 |
| Fresno County California | 6 | $ 1,511,000 | $ 251,000 | $ 107,000 |
| Baltimore County Maryland | 6 | $ 1,314,000 | $ 219,000 | $ 14,000 |
| Hampden County Massachusetts | 6 | $ 934,000 | $ 155,000 | $ 6,000 |
| Plymouth County Massachusetts | 6 | $ 1,277,000 | $ 212,000 | $ 41,000 |
| Multnomah County Oregon | 6 | $ 1,271,000 | $ 211,000 | $ 38,000 |
| Henrico County Virginia | 6 | $ 887,000 | $ 147,000 | $ 38,000 |
| Solano County California | 5 | $ 1,324,000 | $ 264,000 | $ 0 |
| Adams County Colorado | 5 | $ 865,000 | $ 173,000 | $ 22,000 |
| Baltimore City County Maryland | 5 | $ 821,000 | $ 164,000 | $ 0 |
| Howard County Maryland | 5 | $ 1,304,000 | $ 260,000 | $ 41,000 |
| Suffolk County Massachusetts | 5 | $ 1,215,000 | $ 243,000 | $ 16,000 |
| Cabarrus County North Carolina | 5 | $ 778,000 | $ 155,000 | $ 18,000 |
| Washington County Oregon | 5 | $ 1,102,000 | $ 220,000 | $ 68,000 |
| Providence County Rhode Island | 5 | $ 1,008,000 | $ 201,000 | $ 25,000 |
| Pierce County Washington | 5 | $ 1,115,000 | $ 223,000 | $ 64,000 |
| Pima County Arizona | 4 | $ 537,000 | $ 134,000 | $ 58,000 |
| Stanislaus County California | 4 | $ 489,000 | $ 122,000 | $ 34,000 |
| Denver County Colorado | 4 | $ 627,000 | $ 156,000 | $ 24,000 |
| El Paso County Colorado | 4 | $ 569,000 | $ 142,000 | $ 53,000 |
| Anne Arundel County Maryland | 4 | $ 1,042,000 | $ 260,000 | $ 22,000 |
| Montgomery County Maryland | 4 | $ 1,193,000 | $ 298,000 | $ 52,000 |
| Bristol County Massachusetts | 4 | $ 1,014,000 | $ 253,000 | $ 0 |
| Hampshire County Massachusetts | 4 | $ 977,000 | $ 244,000 | $ 58,000 |
| Norfolk County Massachusetts | 4 | $ 951,000 | $ 237,000 | $ 18,000 |
| Iredell County North Carolina | 4 | $ 487,000 | $ 121,000 | $ 29,000 |
| Polk County Oregon | 4 | $ 771,000 | $ 192,000 | $ 42,000 |
| Chesapeake County Virginia | 4 | $ 1,005,000 | $ 251,000 | $ 0 |
| Isle of Wight County Virginia | 4 | $ 880,000 | $ 220,000 | $ 30,000 |
| Prince William County Virginia | 4 | $ 735,000 | $ 183,000 | $ 0 |
| Virginia Beach County Virginia | 4 | $ 797,000 | $ 199,000 | $ 18,000 |
| Clark County Washington | 4 | $ 716,000 | $ 179,000 | $ 0 |
| Yakima County Washington | 4 | $ 579,000 | $ 144,000 | $ 16,000 |
| Contra Costa County California | 3 | $ 961,000 | $ 320,000 | $ 0 |
| Imperial County California | 3 | $ 458,000 | $ 152,000 | $ 59,000 |
| San Mateo County California | 3 | $ 1,475,000 | $ 491,000 | $ 0 |
| Douglas County Colorado | 3 | $ 737,000 | $ 245,000 | $ 77,000 |
| Eagle County Colorado | 3 | $ 1,314,000 | $ 438,000 | $ 163,000 |
| Ada County Idaho | 3 | $ 468,000 | $ 156,000 | $ 0 |
| Bannock County Idaho | 3 | $ 718,000 | $ 239,000 | $ 0 |
| Kootenai County Idaho | 3 | $ 432,000 | $ 144,000 | $ 45,000 |
| Charles County Maryland | 3 | $ 687,000 | $ 229,000 | $ 28,000 |
| Frederick County Maryland | 3 | $ 710,000 | $ 236,000 | $ 0 |
| Barnstable County Massachusetts | 3 | $ 812,000 | $ 270,000 | $ 47,000 |
| Essex County Massachusetts | 3 | $ 748,000 | $ 249,000 | $ 41,000 |
| Guilford County North Carolina | 3 | $ 481,000 | $ 160,000 | $ 0 |
| Johnston County North Carolina | 3 | $ 451,000 | $ 150,000 | $ 50,000 |
| Union County North Carolina | 3 | $ 460,000 | $ 153,000 | $ 0 |
| Clackamas County Oregon | 3 | $ 693,000 | $ 231,000 | $ 14,000 |
| Marion County Oregon | 3 | $ 572,000 | $ 190,000 | $ 38,000 |
| Yamhill County Oregon | 3 | $ 485,000 | $ 161,000 | $ 10,000 |
| Dallas County Texas | 3 | $ 454,000 | $ 151,000 | $ 40,000 |
| Kaufman County Texas | 3 | $ 512,000 | $ 170,000 | $ 34,000 |
| Tarrant County Texas | 3 | $ 330,000 | $ 110,000 | $ 81,000 |
| Williamson County Texas | 3 | $ 489,000 | $ 163,000 | $ 12,000 |
| Stafford County Virginia | 3 | $ 1,393,000 | $ 464,000 | $ 0 |
| Mohave County Arizona | 2 | $ 205,000 | $ 102,000 | $ 268,000 |
| Mono County California | 2 | $ 529,000 | $ 264,000 | $ 197,000 |
| San Francisco County California | 2 | $ 1,131,000 | $ 565,000 | $ 0 |
| Santa Clara County California | 2 | $ 388,000 | $ 194,000 | $ 29,000 |
| Talbot County Maryland | 2 | $ 540,000 | $ 270,000 | $ 59,000 |
| Anoka County Minnesota | 2 | $ 330,000 | $ 165,000 | $ 33,000 |
| Dakota County Minnesota | 2 | $ 456,000 | $ 228,000 | $ 0 |
| Chaves County New Mexico | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Alamance County North Carolina | 2 | $ 257,000 | $ 128,000 | $ 0 |
| Cumberland County North Carolina | 2 | $ 381,000 | $ 190,000 | $ 83,000 |
| Forsyth County North Carolina | 2 | $ 265,000 | $ 132,000 | $ 64,000 |
| Gaston County North Carolina | 2 | $ 344,000 | $ 172,000 | $ 53,000 |
| New Hanover County North Carolina | 2 | $ 350,000 | $ 175,000 | $ 20,000 |
| Onslow County North Carolina | 2 | $ 320,000 | $ 160,000 | $ 26,000 |
| Rowan County North Carolina | 2 | $ 242,000 | $ 121,000 | $ 31,000 |
| Jackson County Oregon | 2 | $ 804,000 | $ 402,000 | $ 174,000 |
| Denton County Texas | 2 | $ 297,000 | $ 148,000 | $ 27,000 |
| Montgomery County Texas | 2 | $ 289,000 | $ 144,000 | $ 69,000 |
| Parker County Texas | 2 | $ 256,000 | $ 128,000 | $ 61,000 |
| Travis County Texas | 2 | $ 272,000 | $ 136,000 | $ 0 |
| Davis County Utah | 2 | $ 356,000 | $ 178,000 | $ 20,000 |
| Chesterfield County Virginia | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Harrisonburg County Virginia | 2 | $ 332,000 | $ 166,000 | $ 0 |
| Loudoun County Virginia | 2 | $ 414,000 | $ 207,000 | $ 31,000 |
| Newport News County Virginia | 2 | $ 380,000 | $ 190,000 | $ 32,000 |
| Petersburg County Virginia | 2 | $ 259,000 | $ 129,000 | $ 44,000 |
| Portsmouth County Virginia | 2 | $ 288,000 | $ 144,000 | $ 22,000 |
| Lewis County Washington | 2 | $ 299,000 | $ 149,000 | $ 0 |
| Snohomish County Washington | 2 | $ 466,000 | $ 233,000 | $ 0 |
| Anchorage County Alaska | 1 | $ 243,000 | $ 243,000 | $ 92,000 |
| Apache County Arizona | 1 | $ 280,000 | $ 280,000 | $ 157,000 |
| Santa Cruz County Arizona | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Colusa County California | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Kings County California | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Marin County California | 1 | $ 680,000 | $ 680,000 | $ 174,000 |
| Monterey County California | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Nevada County California | 1 | $ 116,000 | $ 116,000 | $ 62,000 |
| Placer County California | 1 | $ 625,000 | $ 625,000 | $ 272,000 |
| San Luis Obispo County California | 1 | $ 128,000 | $ 128,000 | $ 29,000 |
| Santa Barbara County California | 1 | $ 160,000 | $ 160,000 | $ 57,000 |
| Sonoma County California | 1 | $ 213,000 | $ 213,000 | $ 40,000 |
| Sutter County California | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Tuolumne County California | 1 | $ 203,000 | $ 203,000 | $ 54,000 |
| Grand County Colorado | 1 | $ 209,000 | $ 209,000 | $ 45,000 |
| Jefferson County Colorado | 1 | $ 315,000 | $ 315,000 | $ 108,000 |
| Larimer County Colorado | 1 | $ 217,000 | $ 217,000 | $ 119,000 |
| Logan County Colorado | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Mesa County Colorado | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Pueblo County Colorado | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Weld County Colorado | 1 | $ 184,000 | $ 184,000 | $ 77,000 |
| Hawaii County Hawaii | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Kauai County Hawaii | 1 | $ 150,000 | $ 150,000 | $ 34,000 |
| Canyon County Idaho | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Carroll County Maryland | 1 | $ 333,000 | $ 333,000 | $ 51,000 |
| Cecil County Maryland | 1 | $ 240,000 | $ 240,000 | $ 103,000 |
| Garrett County Maryland | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Harford County Maryland | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Queen Anne's County Maryland | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Washington County Maryland | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Worcester County Maryland | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Berkshire County Massachusetts | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Carver County Minnesota | 1 | $ 152,000 | $ 152,000 | $ 0 |
| McLeod County Minnesota | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Olmsted County Minnesota | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Ramsey County Minnesota | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Washington County Minnesota | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Wright County Minnesota | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Lincoln County Montana | 1 | $ 225,000 | $ 225,000 | $ 194,000 |
| Douglas County Nevada | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Nye County Nevada | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Dona Ana County New Mexico | 1 | $ 232,000 | $ 232,000 | $ 53,000 |
| Grant County New Mexico | 1 | $ 198,000 | $ 198,000 | $ 151,000 |
| Sandoval County New Mexico | 1 | $ 150,000 | $ 150,000 | $ 60,000 |
| Santa Fe County New Mexico | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Alexander County North Carolina | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Brunswick County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Buncombe County North Carolina | 1 | $ 1,600,000 | $ 1,600,000 | $ 384,000 |
| Caswell County North Carolina | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Cherokee County North Carolina | 1 | $ 62,000 | $ 62,000 | $ 89,000 |
| Columbus County North Carolina | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Currituck County North Carolina | 1 | $ 251,000 | $ 251,000 | $ 0 |
| Durham County North Carolina | 1 | $ 391,000 | $ 391,000 | $ 84,000 |
| Franklin County North Carolina | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Harnett County North Carolina | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Madison County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 110,000 |
| Orange County North Carolina | 1 | $ 162,000 | $ 162,000 | $ 53,000 |
| Randolph County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Rockingham County North Carolina | 1 | $ 159,000 | $ 159,000 | $ 77,000 |
| Scotland County North Carolina | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Stanly County North Carolina | 1 | $ 282,000 | $ 282,000 | $ 181,000 |
| Wilson County North Carolina | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Deschutes County Oregon | 1 | $ 281,000 | $ 281,000 | $ 154,000 |
| Josephine County Oregon | 1 | $ 206,000 | $ 206,000 | $ 47,000 |
| Linn County Oregon | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Bell County Texas | 1 | $ 70,000 | $ 70,000 | $ 13,000 |
| Brazoria County Texas | 1 | $ 120,000 | $ 120,000 | $ 0 |
| El Paso County Texas | 1 | $ 108,000 | $ 108,000 | $ 42,000 |
| Galveston County Texas | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Hidalgo County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| McLennan County Texas | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Willacy County Texas | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Juab County Utah | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Summit County Utah | 1 | $ 410,000 | $ 410,000 | $ 752,000 |
| Uintah County Utah | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Utah County Utah | 1 | $ 111,000 | $ 111,000 | $ 43,000 |
| Alexandria County Virginia | 1 | $ 316,000 | $ 316,000 | $ 102,000 |
| Campbell County Virginia | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Caroline County Virginia | 1 | $ 143,000 | $ 143,000 | $ 110,000 |
| Falls Church County Virginia | 1 | $ 326,000 | $ 326,000 | $ 37,000 |
| Gloucester County Virginia | 1 | $ 245,000 | $ 245,000 | $ 42,000 |
| Hampton County Virginia | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Northumberland County Virginia | 1 | $ 250,000 | $ 250,000 | $ 72,000 |
| Roanoke County Virginia | 1 | $ 168,000 | $ 168,000 | $ 42,000 |
| Spotsylvania County Virginia | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Adams County Washington | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Chelan County Washington | 1 | $ 186,000 | $ 186,000 | $ 40,000 |
| Cowlitz County Washington | 1 | $ 348,000 | $ 348,000 | $ 114,000 |
| Grays Harbor County Washington | 1 | $ 58,000 | $ 58,000 | $ 20,000 |
| Kitsap County Washington | 1 | $ 479,000 | $ 479,000 | $ 0 |
| Mason County Washington | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Okanogan County Washington | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Pend Oreille County Washington | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Skagit County Washington | 1 | $ 267,000 | $ 267,000 | $ 58,000 |
| Spokane County Washington | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Walla Walla County Washington | 1 | $ 158,000 | $ 158,000 | $ 0 |
Mortgage Loan Application Detail Totals for Pacific Mercantile Bank in 2013
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 | 1,091 | $313,855,000 | $287,000 | $2,486,000 | $68,000 | $2,280,000 |
| Home Purchase | 408 | $111,016,000 | $272,000 | $2,520,000 | $87,000 | $913,000 |
| Home Improvement | 97 | $16,102,000 | $166,000 | $1,350,000 | $45,000 | $509,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 597 | $174,974,000 | $293,000 | $2,486,000 | $74,000 | $1,577,000 |
| White | 450 | $128,092,000 | $284,000 | $1,900,000 | $90,000 | $2,280,000 |
| Hispanic | 272 | $62,111,000 | $228,000 | $643,000 | $57,000 | $771,000 |
| Asian | 120 | $38,222,000 | $318,000 | $825,000 | $87,000 | $487,000 |
| Not applicable | 79 | $19,711,000 | $249,000 | $2,520,000 | $0 | $0 |
| Black or African American | 65 | $14,118,000 | $217,000 | $416,000 | $47,000 | $190,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,426,000 | $303,000 | $576,000 | $70,000 | $189,000 |
| American Indian or Alaskan Native | 5 | $1,319,000 | $263,000 | $424,000 | $43,000 | $101,000 |
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) | 837 | $258,634,000 | $309,000 | $2,520,000 | $108,000 | $2,280,000 |
| FHA-insured (Federal Housing Administration) | 639 | $144,102,000 | $225,000 | $736,000 | $29,000 | $234,000 |
| VA-guaranteed (Veterans Administration) | 118 | $37,806,000 | $320,000 | $1,098,000 | $43,000 | $186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $431,000 | $215,000 | $222,000 | $45,000 | $46,000 |
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 | 709 | $179,466,000 | $253,000 | $2,520,000 | $70,000 | $1,577,000 |
| Application Withdrawn By Applicant | 320 | $87,553,000 | $273,000 | $2,100,000 | $69,000 | $2,280,000 |
| Application Denied By Financial Institution | 265 | $82,209,000 | $310,000 | $2,465,000 | $66,000 | $568,000 |
| Application Approved But Not Accepted | 178 | $49,499,000 | $278,000 | $992,000 | $78,000 | $771,000 |
| File Closed For Incompleteness | 124 | $42,246,000 | $340,000 | $1,250,000 | $89,000 | $640,000 |
| 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 2013 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.