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Act (HMDA) records Silicon Valley Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Francisco-Redwood City-South San Francisco, CA | 206 | $ 450,180,000 | $ 2,185,339 | $ 876,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 95 | $ 150,665,000 | $ 1,585,947 | $ 1,020,000 |
| Oakland-Hayward-Berkeley, CA | 77 | $ 82,435,000 | $ 1,070,584 | $ 592,000 |
| Los Angeles-Long Beach-Glendale, CA | 74 | $ 128,810,000 | $ 1,740,675 | $ 703,000 |
| Phoenix-Mesa-Scottsdale, AZ | 53 | $ 24,535,000 | $ 462,924 | $ 341,000 |
| New York-Jersey City-White Plains, NY-NJ | 38 | $ 57,440,000 | $ 1,511,578 | $ 815,473 |
| Outside any metro area | 33 | $ 59,905,000 | $ 1,815,303 | $ 1,371,060 |
| Cambridge-Newton-Framingham, MA | 32 | $ 28,210,000 | $ 881,562 | $ 675,000 |
| San Rafael, CA | 29 | $ 53,835,000 | $ 1,856,379 | $ 917,000 |
| Boston, MA | 24 | $ 37,680,000 | $ 1,570,000 | $ 898,000 |
| Denver-Aurora-Lakewood, CO | 24 | $ 17,000,000 | $ 708,333 | $ 312,000 |
| Austin-Round Rock, TX | 23 | $ 18,165,000 | $ 789,782 | $ 399,000 |
| Seattle-Bellevue-Everett, WA | 22 | $ 29,520,000 | $ 1,341,818 | $ 399,000 |
| San Diego-Carlsbad, CA | 18 | $ 20,290,000 | $ 1,127,222 | $ 645,000 |
| Salt Lake City, UT | 14 | $ 7,500,000 | $ 535,714 | $ 1,193,000 |
| Atlanta-Sandy Springs-Roswell, GA | 12 | $ 10,770,000 | $ 897,500 | $ 413,000 |
| Anaheim-Santa Ana-Irvine, CA | 9 | $ 11,805,000 | $ 1,311,666 | $ 755,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 9 | $ 12,795,000 | $ 1,421,666 | $ 463,333 |
| Boulder, CO | 8 | $ 8,100,000 | $ 1,012,500 | $ 982,000 |
| Bridgeport-Stamford-Norwalk, CT | 8 | $ 13,480,000 | $ 1,685,000 | $ 895,000 |
| Napa, CA | 8 | $ 20,940,000 | $ 2,617,500 | $ 979,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 8 | $ 7,470,000 | $ 933,750 | $ 1,036,000 |
| Chicago-Naperville, IL | 7 | $ 8,765,000 | $ 1,252,142 | $ 1,404,000 |
| Dallas-Plano-Irving, TX | 7 | $ 5,065,000 | $ 723,571 | $ 385,000 |
| Las Vegas-Henderson-Paradise, NV | 7 | $ 4,365,000 | $ 623,571 | $ 437,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 15,745,000 | $ 2,249,285 | $ 806,000 |
| Tacoma-Lakewood, WA | 7 | $ 3,985,000 | $ 569,285 | $ 913,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 4,500,000 | $ 750,000 | $ 608,333 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 43,930,000 | $ 7,321,666 | $ 760,000 |
| Baltimore-Columbia-Towson, MD | 5 | $ 5,615,000 | $ 1,123,000 | $ 678,000 |
| Columbus, OH | 5 | $ 3,945,000 | $ 789,000 | $ 879,000 |
| Nassau County-Suffolk County, NY | 5 | $ 8,155,000 | $ 1,631,000 | $ 614,000 |
| Santa Rosa, CA | 5 | $ 7,685,000 | $ 1,537,000 | $ 895,000 |
| Washington-Baltimore-Arlington, DC | 5 | $ 9,865,000 | $ 1,973,000 | $ 912,000 |
| Provo-Orem, UT | 4 | $ 2,970,000 | $ 742,500 | $ 410,000 |
| Raleigh, NC | 4 | $ 2,260,000 | $ 565,000 | $ 202,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,880,000 | $ 470,000 | $ 827,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 3,740,000 | $ 935,000 | $ 815,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 3,370,000 | $ 842,500 | $ 583,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 1,505,000 | $ 501,666 | $ 248,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,545,000 | $ 515,000 | $ 300,000 |
| Stockton-Lodi, CA | 3 | $ 1,635,000 | $ 545,000 | $ 0 |
| Barnstable Town, MA | 2 | $ 3,920,000 | $ 1,960,000 | $ 2,175,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 3,010,000 | $ 1,505,000 | $ 1,025,000 |
| Cincinnati, OH-KY-IN | 2 | $ 950,000 | $ 475,000 | $ 225,000 |
| Jacksonville, FL | 2 | $ 200,000 | $ 100,000 | $ 300,000 |
| New Orleans-Metairie, LA | 2 | $ 1,790,000 | $ 895,000 | $ 390,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 830,000 | $ 415,000 | $ 467,000 |
| Philadelphia, PA | 2 | $ 550,000 | $ 275,000 | $ 611,000 |
| Pittsfield, MA | 2 | $ 1,150,000 | $ 575,000 | $ 2,336,000 |
| Savannah, GA | 2 | $ 610,000 | $ 305,000 | $ 2,520,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 465,000 | $ 465,000 | $ 100,000 |
| Bakersfield, CA | 1 | $ 1,025,000 | $ 1,025,000 | $ 740,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 445,000 | $ 445,000 | $ 437,000 |
| Eugene, OR | 1 | $ 985,000 | $ 985,000 | $ 384,000 |
| Fort Collins, CO | 1 | $ 485,000 | $ 485,000 | $ 366,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 755,000 | $ 755,000 | $ 267,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 605,000 | $ 605,000 | $ 272,000 |
| Kingston, NY | 1 | $ 895,000 | $ 895,000 | $ 678,000 |
| Lexington-Fayette, KY | 1 | $ 85,000 | $ 85,000 | $ 162,000 |
| Modesto, CA | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 675,000 | $ 675,000 | $ 1,300,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 915,000 | $ 915,000 | $ 540,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 675,000 | $ 675,000 | $ 550,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 1,445,000 | $ 1,445,000 | $ 200,000 |
| New York-Newark, NY | 1 | $ 525,000 | $ 525,000 | $ 180,000 |
| Newark, NJ-PA | 1 | $ 455,000 | $ 455,000 | $ 242,000 |
| Ogden-Clearfield, UT | 1 | $ 1,085,000 | $ 1,085,000 | $ 1,008,000 |
| Providence-Warwick, RI-MA | 1 | $ 805,000 | $ 805,000 | $ 488,000 |
| Reno, NV | 1 | $ 1,085,000 | $ 1,085,000 | $ 0 |
| Salinas, CA | 1 | $ 1,025,000 | $ 1,025,000 | $ 332,000 |
| Sebastian-Vero Beach, FL | 1 | $ 1,615,000 | $ 1,615,000 | $ 2,124,000 |
| Springfield, MO | 1 | $ 255,000 | $ 255,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Staunton-Waynesboro, VA | 1 | $ 335,000 | $ 335,000 | $ 1,150,000 |
| Walla Walla, WA | 1 | $ 755,000 | $ 755,000 | $ 364,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 1,015,000 | $ 1,015,000 | $ 413,000 |
| Winston-Salem, NC | 1 | $ 925,000 | $ 925,000 | $ 436,000 |
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.
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