Silicon Valley Bank Mortgage Lending & HMDA Data, 2019
In 2019, Silicon Valley Bank of Santa Clara, CA reported 1,095 mortgage applications totaling $1.6 billion, up 82% from 2018. The average application was for $1,482,077, and applicants reported an average income of $764,861. 74% of its applications resulted in an originated loan and 1% were denied. Its largest markets were San Francisco-Redwood City-South San Francisco, CA (206), San Jose-Sunnyvale-Santa Clara, CA (95) and Oakland-Hayward-Berkeley, CA (77) (applications in parentheses).
| Mortgage Company & Address | Silicon Valley Bank 3003 Tasman Drive Santa Clara, CA 95054 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,095 |
| Total Mortgage Loan Application Amount | $1,622,875,000 |
| Average Mortgage Loan Application Amount | $1,482,077 |
| Highest Mortgage Loan Application Amount | $20,255,000 |
| Average Applicant Income | $764,861 |
| Highest Applicant Income | $7,221,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Silicon Valley Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| San Francisco, California | 111 | $ 216,835,000 | $ 1,953,468 | $ 677,000 |
| San Mateo, California | 95 | $ 233,345,000 | $ 2,456,263 | $ 1,082,000 |
| Santa Clara, California | 95 | $ 150,665,000 | $ 1,585,947 | $ 1,020,000 |
| Los Angeles, California | 74 | $ 128,810,000 | $ 1,740,675 | $ 703,000 |
| Maricopa, Arizona | 53 | $ 24,535,000 | $ 462,924 | $ 341,000 |
| Alameda, California | 52 | $ 49,130,000 | $ 944,807 | $ 538,000 |
| Marin, California | 29 | $ 53,835,000 | $ 1,856,379 | $ 917,000 |
| Middlesex, Massachusetts | 26 | $ 25,450,000 | $ 978,846 | $ 780,000 |
| Contra Costa, California | 25 | $ 33,305,000 | $ 1,332,200 | $ 660,000 |
| Travis, Texas | 23 | $ 18,165,000 | $ 789,782 | $ 399,000 |
| King, Washington | 22 | $ 29,520,000 | $ 1,341,818 | $ 399,000 |
| San Diego, California | 18 | $ 20,290,000 | $ 1,127,222 | $ 645,000 |
| Suffolk, Massachusetts | 15 | $ 28,955,000 | $ 1,930,333 | $ 1,029,000 |
| New York, New York | 15 | $ 27,415,000 | $ 1,827,666 | $ 1,358,000 |
| Salt Lake, Utah | 14 | $ 7,500,000 | $ 535,714 | $ 1,193,000 |
| Denver, Colorado | 13 | $ 8,105,000 | $ 623,461 | $ 326,000 |
| Kings, New York | 12 | $ 18,100,000 | $ 1,508,333 | $ 603,000 |
| Orange, California | 9 | $ 11,805,000 | $ 1,311,666 | $ 755,000 |
| Napa, California | 8 | $ 20,940,000 | $ 2,617,500 | $ 979,000 |
| Placer, California | 8 | $ 7,470,000 | $ 933,750 | $ 1,036,000 |
| Boulder, Colorado | 8 | $ 8,100,000 | $ 1,012,500 | $ 982,000 |
| Fairfield, Connecticut | 8 | $ 13,480,000 | $ 1,685,000 | $ 895,000 |
| Fulton, Georgia | 8 | $ 8,090,000 | $ 1,011,250 | $ 482,000 |
| Norfolk, Massachusetts | 8 | $ 7,810,000 | $ 976,250 | $ 458,000 |
| Miami-Dade, Florida | 7 | $ 15,745,000 | $ 2,249,285 | $ 806,000 |
| Cook, Illinois | 7 | $ 8,765,000 | $ 1,252,142 | $ 1,404,000 |
| Clark, Nevada | 7 | $ 4,365,000 | $ 623,571 | $ 437,000 |
| Summit, Utah | 7 | $ 12,845,000 | $ 1,835,000 | $ 918,000 |
| Pierce, Washington | 7 | $ 3,985,000 | $ 569,285 | $ 913,000 |
| District of Columbia, District Of Columbia | 6 | $ 10,120,000 | $ 1,686,666 | $ 550,000 |
| Palm Beach, Florida | 6 | $ 43,930,000 | $ 7,321,666 | $ 760,000 |
| Essex, Massachusetts | 6 | $ 2,760,000 | $ 460,000 | $ 291,000 |
| Westchester, New York | 6 | $ 8,050,000 | $ 1,341,666 | $ 457,000 |
| Sonoma, California | 5 | $ 7,685,000 | $ 1,537,000 | $ 895,000 |
| Montgomery, Maryland | 5 | $ 9,865,000 | $ 1,973,000 | $ 912,000 |
| Franklin, Ohio | 5 | $ 3,945,000 | $ 789,000 | $ 879,000 |
| Riverside, California | 4 | $ 1,880,000 | $ 470,000 | $ 827,000 |
| Santa Cruz, California | 4 | $ 3,740,000 | $ 935,000 | $ 815,000 |
| Arapahoe, Colorado | 4 | $ 2,960,000 | $ 740,000 | $ 387,000 |
| DeKalb, Georgia | 4 | $ 2,680,000 | $ 670,000 | $ 68,000 |
| Suffolk, New York | 4 | $ 6,810,000 | $ 1,702,500 | $ 545,000 |
| Wake, North Carolina | 4 | $ 2,260,000 | $ 565,000 | $ 202,000 |
| Multnomah, Oregon | 4 | $ 3,500,000 | $ 875,000 | $ 637,000 |
| Dallas, Texas | 4 | $ 3,700,000 | $ 925,000 | $ 473,000 |
| Utah, Utah | 4 | $ 2,970,000 | $ 742,500 | $ 410,000 |
| San Joaquin, California | 3 | $ 1,635,000 | $ 545,000 | $ 0 |
| Douglas, Colorado | 3 | $ 3,745,000 | $ 1,248,333 | $ 265,000 |
| Jefferson, Colorado | 3 | $ 1,845,000 | $ 615,000 | $ 200,000 |
| Hillsborough, Florida | 3 | $ 3,205,000 | $ 1,068,333 | $ 760,000 |
| Denton, Texas | 3 | $ 1,365,000 | $ 455,000 | $ 254,000 |
| Harris, Texas | 3 | $ 1,505,000 | $ 501,666 | $ 248,000 |
| Alpine, California | 2 | $ 1,650,000 | $ 825,000 | $ 1,062,000 |
| Eagle, Colorado | 2 | $ 3,000,000 | $ 1,500,000 | $ 335,000 |
| Duval, Florida | 2 | $ 200,000 | $ 100,000 | $ 300,000 |
| Orange, Florida | 2 | $ 830,000 | $ 415,000 | $ 467,000 |
| Chatham, Georgia | 2 | $ 610,000 | $ 305,000 | $ 2,520,000 |
| Boone, Kentucky | 2 | $ 950,000 | $ 475,000 | $ 225,000 |
| Orleans, Louisiana | 2 | $ 1,790,000 | $ 895,000 | $ 390,000 |
| Howard, Maryland | 2 | $ 1,480,000 | $ 740,000 | $ 350,000 |
| Barnstable, Massachusetts | 2 | $ 3,920,000 | $ 1,960,000 | $ 2,175,000 |
| Berkshire, Massachusetts | 2 | $ 1,150,000 | $ 575,000 | $ 2,336,000 |
| Hennepin, Minnesota | 2 | $ 1,140,000 | $ 570,000 | $ 300,000 |
| Gallatin, Montana | 2 | $ 4,800,000 | $ 2,400,000 | $ 2,520,000 |
| Delaware, New York | 2 | $ 540,000 | $ 270,000 | $ 493,000 |
| Putnam, New York | 2 | $ 1,120,000 | $ 560,000 | $ 372,000 |
| Sullivan, New York | 2 | $ 1,980,000 | $ 990,000 | $ 225,000 |
| Mecklenburg, North Carolina | 2 | $ 3,010,000 | $ 1,505,000 | $ 1,025,000 |
| Philadelphia, Pennsylvania | 2 | $ 550,000 | $ 275,000 | $ 611,000 |
| Arlington, Virginia | 2 | $ 1,460,000 | $ 730,000 | $ 357,000 |
| Calaveras, California | 1 | $ 1,205,000 | $ 1,205,000 | $ 1,069,000 |
| Kern, California | 1 | $ 1,025,000 | $ 1,025,000 | $ 740,000 |
| Mendocino, California | 1 | $ 395,000 | $ 395,000 | $ 324,000 |
| Monterey, California | 1 | $ 1,025,000 | $ 1,025,000 | $ 332,000 |
| Nevada, California | 1 | $ 1,005,000 | $ 1,005,000 | $ 2,496,000 |
| Stanislaus, California | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Adams, Colorado | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Larimer, Colorado | 1 | $ 485,000 | $ 485,000 | $ 366,000 |
| Pitkin, Colorado | 1 | $ 4,005,000 | $ 4,005,000 | $ 2,723,000 |
| Routt, Colorado | 1 | $ 785,000 | $ 785,000 | $ 274,000 |
| Collier, Florida | 1 | $ 675,000 | $ 675,000 | $ 550,000 |
| Hernando, Florida | 1 | $ 165,000 | $ 165,000 | $ 230,000 |
| Indian River, Florida | 1 | $ 1,615,000 | $ 1,615,000 | $ 2,124,000 |
| Monroe, Florida | 1 | $ 2,005,000 | $ 2,005,000 | $ 4,608,000 |
| Hawaii, Hawaii | 1 | $ 12,005,000 | $ 12,005,000 | $ 6,391,000 |
| Maui, Hawaii | 1 | $ 605,000 | $ 605,000 | $ 272,000 |
| Blaine, Idaho | 1 | $ 1,505,000 | $ 1,505,000 | $ 410,000 |
| Bonner, Idaho | 1 | $ 655,000 | $ 655,000 | $ 3,927,000 |
| Boone, Indiana | 1 | $ 755,000 | $ 755,000 | $ 267,000 |
| Fayette, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 162,000 |
| Anne Arundel, Maryland | 1 | $ 1,725,000 | $ 1,725,000 | $ 1,106,000 |
| Baltimore, Maryland | 1 | $ 1,785,000 | $ 1,785,000 | $ 1,023,000 |
| Baltimore City, Maryland | 1 | $ 625,000 | $ 625,000 | $ 563,000 |
| Dukes, Massachusetts | 1 | $ 1,705,000 | $ 1,705,000 | $ 1,142,000 |
| Nantucket, Massachusetts | 1 | $ 1,105,000 | $ 1,105,000 | $ 320,000 |
| Plymouth, Massachusetts | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Oakland, Michigan | 1 | $ 1,015,000 | $ 1,015,000 | $ 413,000 |
| Wayne, Michigan | 1 | $ 445,000 | $ 445,000 | $ 437,000 |
| Dakota, Minnesota | 1 | $ 405,000 | $ 405,000 | $ 0 |
| St. Louis City, Missouri | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Webster, Missouri | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Flathead, Montana | 1 | $ 5,555,000 | $ 5,555,000 | $ 0 |
| Washoe, Nevada | 1 | $ 1,085,000 | $ 1,085,000 | $ 0 |
| Merrimack, New Hampshire | 1 | $ 645,000 | $ 645,000 | $ 229,000 |
| Bergen, New Jersey | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Essex, New Jersey | 1 | $ 455,000 | $ 455,000 | $ 242,000 |
| Hudson, New Jersey | 1 | $ 1,655,000 | $ 1,655,000 | $ 500,000 |
| Somerset, New Jersey | 1 | $ 525,000 | $ 525,000 | $ 180,000 |
| Columbia, New York | 1 | $ 1,025,000 | $ 1,025,000 | $ 811,000 |
| Nassau, New York | 1 | $ 1,345,000 | $ 1,345,000 | $ 890,000 |
| Queens, New York | 1 | $ 675,000 | $ 675,000 | $ 240,000 |
| Saratoga, New York | 1 | $ 465,000 | $ 465,000 | $ 100,000 |
| Ulster, New York | 1 | $ 895,000 | $ 895,000 | $ 678,000 |
| Brunswick, North Carolina | 1 | $ 915,000 | $ 915,000 | $ 540,000 |
| Forsyth, North Carolina | 1 | $ 925,000 | $ 925,000 | $ 436,000 |
| Lane, Oregon | 1 | $ 985,000 | $ 985,000 | $ 384,000 |
| Washington, Oregon | 1 | $ 535,000 | $ 535,000 | $ 420,000 |
| Bucks, Pennsylvania | 1 | $ 675,000 | $ 675,000 | $ 1,300,000 |
| Newport, Rhode Island | 1 | $ 805,000 | $ 805,000 | $ 488,000 |
| Davidson, Tennessee | 1 | $ 1,445,000 | $ 1,445,000 | $ 200,000 |
| Weber, Utah | 1 | $ 1,085,000 | $ 1,085,000 | $ 1,008,000 |
| Addison, Vermont | 1 | $ 155,000 | $ 155,000 | $ 230,000 |
| Lamoille, Vermont | 1 | $ 705,000 | $ 705,000 | $ 775,000 |
| Washington, Vermont | 1 | $ 965,000 | $ 965,000 | $ 800,000 |
| Augusta, Virginia | 1 | $ 335,000 | $ 335,000 | $ 1,150,000 |
| Fairfax, Virginia | 1 | $ 1,215,000 | $ 1,215,000 | $ 224,000 |
| Clark, Washington | 1 | $ 465,000 | $ 465,000 | $ 735,000 |
| Walla Walla, Washington | 1 | $ 755,000 | $ 755,000 | $ 364,000 |
Mortgage Loan Application Detail Totals for Silicon Valley Bank in 2019
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 536 | $850,220,000 | $1,586,000 | $20,255,000 | $638,000 | $4,612,000 |
| Refinancing | 258 | $310,640,000 | $1,204,000 | $11,505,000 | $812,000 | $4,927,000 |
| Cash-out Refinancing | 217 | $319,875,000 | $1,474,000 | $8,005,000 | $957,000 | $7,221,000 |
| Other Purpose | 81 | $123,005,000 | $1,518,000 | $12,005,000 | $949,000 | $6,391,000 |
| Home Improvement | 3 | $19,135,000 | $6,378,000 | $15,165,000 | $507,000 | $791,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 514 | $700,740,000 | $1,363,000 | $10,005,000 | $688,000 | $7,221,000 |
| Not Provided | 297 | $506,415,000 | $1,705,000 | $20,255,000 | $881,000 | $6,391,000 |
| Asian | 161 | $183,165,000 | $1,137,000 | $5,005,000 | $634,000 | $2,310,000 |
| Not applicable | 60 | $153,700,000 | $2,561,000 | $20,255,000 | $0 | $0 |
| Hispanic | 41 | $48,695,000 | $1,187,000 | $9,405,000 | $906,000 | $3,577,000 |
| Black or African American | 13 | $12,615,000 | $970,000 | $2,425,000 | $341,000 | $654,000 |
| American Indian or Alaskan Native | 3 | $2,745,000 | $915,000 | $2,005,000 | $1,730,000 | $4,608,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $725,000 | $725,000 | $725,000 | $0 | $0 |
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) | 1,095 | $1,622,875,000 | $1,482,000 | $20,255,000 | $764,000 | $7,221,000 |
| 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 | 814 | $1,155,530,000 | $1,419,000 | $20,255,000 | $771,000 | $6,391,000 |
| Preapproval Approved but not Accepted | 138 | $245,280,000 | $1,777,000 | $20,255,000 | $617,000 | $3,049,000 |
| Application Withdrawn By Applicant | 76 | $120,550,000 | $1,586,000 | $8,005,000 | $956,000 | $4,608,000 |
| Application Approved But Not Accepted | 29 | $40,185,000 | $1,385,000 | $3,005,000 | $521,000 | $1,137,000 |
| File Closed For Incompleteness | 26 | $47,320,000 | $1,820,000 | $8,255,000 | $1,133,000 | $7,221,000 |
| Application Denied By Financial Institution | 12 | $14,010,000 | $1,167,000 | $2,805,000 | $285,000 | $630,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,083 | $1,608,865,000 | $1,485,000 | $20,255,000 | $772,000 | $7,221,000 |
| Credit History | 5 | $6,195,000 | $1,239,000 | $2,805,000 | $340,000 | $630,000 |
| Debt-To-Income Ratio | 5 | $6,395,000 | $1,279,000 | $2,405,000 | $265,000 | $375,000 |
| Other | 1 | $905,000 | $905,000 | $905,000 | $149,000 | $149,000 |
| Collateral | 1 | $515,000 | $515,000 | $515,000 | $246,000 | $246,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Silicon Valley Bank's 2019 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 Silicon Valley 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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