Silicon Valley Bank Mortgage Rates, Fees & Info

Santa Clara, CA

LEI: 0K2D5AK28E3O5CC06E35

Tax ID: 94-2875288

5 stars - Updated: 12/4/23 - out of 5 stars, based on 41 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Silicon Valley Bank is a small bank specializing in Home Purchase and Cash Out Refi loans. Silicon Valley Bank has a high proportion of conventional loans. Their top markets by origination volume include: San Francisco, Boston, Los Angeles, San Jose, and New York among others. We have data for 120 markets. (Some data included below & more in-depth data is available with an active subscription.)

Silicon Valley Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Silicon Valley Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 5.09% 12/4/23
30 Year Conventional Refi 5.58% 12/4/23
30 Year Cash-out Refi 5.58% 12/4/23
15 Year Conventional Purchase 4.64% 12/4/23
15 Year Conventional Refi 5.39% 12/4/23
15 Year Cash-out Refi 5.39% 12/4/23
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Silicon Valley Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Silicon Valley Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,705

Origination Dollar Volume (All Markets)

$2,810,095,000
Show all (15) awards

Relative Rate

Silicon Valley Bank's average 30 year fixed mortgage rate was 3.26%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -1.5%.

Relative Fees (Closing Costs)

Silicon Valley Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $6,036.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 401 $721,965,000 $1,800,411 $5,780 2.91%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 241 $299,435,000 $1,242,469 $4,665 2.95%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 194 $268,740,000 $1,385,258 $6,086 3.00%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 111 $179,195,000 $1,614,369 $4,465 3.04%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 88 $167,490,000 $1,903,295 $6,961 3.17%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 51 $122,525,000 $2,402,451 $11,113 3.18%
Outside of Metro Areas 25 $84,065,000 $3,362,600 $10,229 2.95%
Bozeman, MT (FHA|USDA|VA) 4 $81,230,000 $20,307,500 $33,170 3.92%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 45 $60,635,000 $1,347,444 $9,239 3.15%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 33 $54,045,000 $1,637,727 $4,966 3.14%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 16 $52,340,000 $3,271,250 $8,082 3.13%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 22 $43,610,000 $1,982,273 $5,741 3.22%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 7 $33,745,000 $4,820,714 $5,269 3.25%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 18 $31,810,000 $1,767,222 $4,675 3.20%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 16 $31,230,000 $1,951,875 $6,186 3.11%
NAPA, CA (FHA|USDA|VA) 8 $30,920,000 $3,865,000 $7,063 3.11%
Heber, UT (FHA|USDA|VA) 9 $29,655,000 $3,295,000 $6,737 2.74%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 45 $29,515,000 $655,889 $5,590 3.41%
SALINAS, CA (FHA|USDA|VA) 12 $27,880,000 $2,323,333 $4,966 3.36%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 18 $24,010,000 $1,333,889 $9,312 3.20%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 16 $23,570,000 $1,473,125 $5,336 3.20%
Vineyard Haven, MA (FHA|USDA|VA) 3 $23,015,000 $7,671,667 $15,856 3.13%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 21 $21,205,000 $1,009,762 $3,992 3.45%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 17 $20,645,000 $1,214,412 $4,921 3.04%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 5 $16,675,000 $3,335,000 $9,258 3.73%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 14 $16,250,000 $1,160,714 $5,872 3.60%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 8 $16,140,000 $2,017,500 $8,976 3.40%
Gardnerville Ranchos, NV (FHA|USDA|VA) 4 $13,560,000 $3,390,000 $8,525 2.72%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 20 $12,710,000 $635,500 $4,344 2.78%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 6 $11,980,000 $1,996,667 $8,883 2.77%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 10 $11,880,000 $1,188,000 $5,718 3.30%
Kalispell, MT (FHA|USDA|VA) 1 $10,805,000 $10,805,000 $16,382 3.00%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 8 $10,120,000 $1,265,000 $8,823 3.00%
Hilo, HI (FHA|USDA|VA) 5 $9,275,000 $1,855,000 $6,244 2.83%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 4 $8,790,000 $2,197,500 $6,430 2.97%
SALT LAKE CITY, UT (FHA|USDA|VA) 11 $8,755,000 $795,909 $3,756 2.92%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 7 $8,485,000 $1,212,143 $4,371 3.39%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $7,615,000 $1,087,857 $6,201 3.38%
Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $6,815,000 $1,363,000 $5,177 3.63%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 5 $6,525,000 $1,305,000 $5,367 3.18%
BOULDER, CO (FHA|USDA|VA) 5 $6,515,000 $1,303,000 $3,233 3.55%
RENO, NV (FHA|USDA|VA) 5 $6,455,000 $1,291,000 $6,321 3.63%
WORCESTER, MA-CT (FHA|USDA|VA) 4 $6,230,000 $1,557,500 $3,410 4.53%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 7 $5,685,000 $812,143 $5,223 2.32%
Glenwood Springs, CO (FHA|USDA|VA) 1 $5,005,000 $5,005,000 $11,993 2.13%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $4,695,000 $939,000 $4,149 3.85%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $4,605,000 $1,535,000 $0 4.02%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 6 $4,490,000 $748,333 $5,380 3.73%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $4,290,000 $2,145,000 $8,990 3.25%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $4,160,000 $1,040,000 $5,674 3.25%
Hailey, ID (FHA|USDA|VA) 2 $4,160,000 $2,080,000 $8,701 2.56%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 7 $3,975,000 $567,857 $5,144 2.70%
Edwards, CO (FHA|USDA|VA) 2 $3,910,000 $1,955,000 $8,071 2.81%
PROVO-OREM, UT (FHA|USDA|VA) 5 $3,875,000 $775,000 $4,422 3.40%
RALEIGH-CARY, NC (FHA|USDA|VA) 4 $3,850,000 $962,500 $3,847 2.97%
ST. GEORGE, UT (FHA|USDA|VA) 2 $3,770,000 $1,885,000 $4,554 3.06%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $3,310,000 $827,500 $6,496 3.19%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $3,100,000 $1,550,000 $4,484 2.88%
Sandpoint, ID (FHA|USDA|VA) 1 $3,005,000 $3,005,000 $9,723 2.88%
Kapaa, HI (FHA|USDA|VA) 1 $3,005,000 $3,005,000 $9,818 2.50%
Outside of Metro Areas 2 $2,980,000 $1,490,000 $5,594 3.13%
Breckenridge, CO (FHA|USDA|VA) 3 $2,965,000 $988,333 $3,017 3.25%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $2,930,000 $732,500 $3,467 3.81%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $2,920,000 $486,667 $6,632 3.52%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $2,855,000 $951,667 $3,369 3.17%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $2,830,000 $707,500 $3,024 3.81%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $2,755,000 $2,755,000 $7,382 2.75%
BEND, OR (FHA|USDA|VA) 4 $2,630,000 $657,500 $4,168 3.44%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $2,605,000 $2,605,000 $5,631 3.13%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $2,540,000 $1,270,000 $2,893 3.44%
Lebanon, NH-VT (FHA|USDA|VA) 2 $2,410,000 $1,205,000 $4,201 3.31%
SANTA FE, NM (FHA|USDA|VA) 2 $2,360,000 $1,180,000 $5,577 3.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $2,285,000 $2,285,000 $8,796 2.88%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $2,205,000 $2,205,000 $12,741 3.88%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $2,105,000 $2,105,000 $8,068 1.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $2,090,000 $1,045,000 $4,757 3.69%
Steamboat Springs, CO (FHA|USDA|VA) 1 $2,075,000 $2,075,000 $4,143 3.63%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $6,931 2.50%
STOCKTON, CA (FHA|USDA|VA) 2 $1,870,000 $935,000 $5,249 3.44%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $1,865,000 $621,667 $3,444 3.17%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $1,845,000 $615,000 $3,634 3.88%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $1,705,000 $1,705,000 $6,493 3.38%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $1,620,000 $810,000 $5,145 3.94%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $1,525,000 $1,525,000 $7,798 3.00%
ROCHESTER, NY (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $6,860 2.00%
Hudson, NY (FHA|USDA|VA) 1 $1,465,000 $1,465,000 $7,195 3.38%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $1,315,000 $1,315,000 $1,741 4.50%
PITTSBURGH, PA (FHA|USDA|VA) 2 $1,270,000 $635,000 $5,569 4.50%
PITTSFIELD, MA (FHA|USDA|VA) 2 $1,210,000 $605,000 $3,098 3.38%
SAVANNAH, GA (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $2,701 2.63%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $1,095,000 $1,095,000 $5,335 2.63%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $4,501 2.63%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $4,783 3.50%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $1,030,000 $515,000 $3,656 3.13%
Ukiah, CA (FHA|USDA|VA) 1 $1,025,000 $1,025,000 $6,545 3.25%
Torrington, CT (FHA|USDA|VA) 1 $945,000 $945,000 $6,073 4.25%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $935,000 $935,000 $5,177 4.63%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $905,000 $905,000 $4,098 3.50%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $895,000 $895,000 $4,159 3.50%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $885,000 $885,000 $2,361 3.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $805,000 $805,000 $5,784 4.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $705,000 $705,000 $3,457 4.00%
MADISON, WI (FHA|USDA|VA) 1 $685,000 $685,000 $1,671 3.63%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $685,000 $685,000 $2,963 2.38%
THE VILLAGES, FL (FHA|USDA|VA) 1 $565,000 $565,000 $4,735 3.63%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $565,000 $565,000 $2,875 3.00%
FORT COLLINS, CO (FHA|USDA|VA) 1 $515,000 $515,000 $4,582 3.50%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $515,000 $515,000 $3,855 3.50%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $465,000 $465,000 $2,052 3.00%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $455,000 $455,000 $2,081 3.88%
FRESNO, CA (FHA|USDA|VA) 1 $415,000 $415,000 $3,181 3.00%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $405,000 $405,000 $4,131 3.00%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $405,000 $405,000 $7,340 4.00%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $375,000 $375,000 $4,900 3.38%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $345,000 $345,000 $3,397 3.88%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $345,000 $345,000 $2,949 3.88%
Shelby, NC (FHA|USDA|VA) 1 $345,000 $345,000 $4,678 2.88%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $315,000 $315,000 $7,683 4.00%
Boone, NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,187 2.75%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $245,000 $245,000 $4,958 3.63%
Silicon Valley Bank's top markets include San Francisco, Boston, Los Angeles, San Jose, and New York among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Montana (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,705 $2,810,095,000 $1,648,150 $6,012 3.07%

    For 2022, Silicon Valley Bank's most frequently originated type of loan was Conventional, with 1,705 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,071 $1,462,445,000 $1,365,495 $6,411 3.14%
    Cash Out Refi 284 $584,440,000 $2,057,887 $5,471 2.94%
    Refi 170 $273,290,000 $1,607,588 $4,059 3.00%
    Other 165 $442,955,000 $2,684,576 $6,524 2.95%
    Home Improvement 15 $46,965,000 $3,131,000 $5,876 3.51%

    For 2022, Silicon Valley Bank's most frequently cited loan purpose was Home Purchase, with 1,071 originations. The 2nd most popular reason was Cash Out Refi, with 284 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,546 $2,562,470,000 $1,657,484 $6,036 3.26%
    5 Year 111 $26,105,000 $235,180 $0 0.12%
    15 Year 23 $17,535,000 $762,391 $4,381 3.08%
    Other 11 $109,565,000 $9,960,455 $0 4.65%
    10 Year 7 $22,945,000 $3,277,857 $0 4.94%
    3 Year 4 $66,870,000 $16,717,500 $0 4.17%
    20 Year 3 $4,605,000 $1,535,000 $0 4.02%

    For 2022, Silicon Valley Bank's most frequently cited loan duration was 30 Year, with 1,546 originations. The 2nd most popular length was 5 Year, with 111 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,230 $2,260,290,000 $1,837,634
    $2k-3k 226 $204,380,000 $904,336
    $1k-2k 44 $33,630,000 $764,318
    $5k+ 31 $36,475,000 $1,176,613
    $3k-4k 25 $26,205,000 $1,048,200
    $4k-5k 13 $19,025,000 $1,463,462

    Silicon Valley Bank's average total fees were $6,036, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,230 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 659 $969,495,000 $1,471,161
    2.5-3% 414 $675,370,000 $1,631,329
    <2.5% 385 $734,565,000 $1,907,961
    4-5% 229 $307,615,000 $1,343,297
    5-6% 16 $119,370,000 $7,460,625
    6-7% 2 $3,680,000 $1,840,000

    During 2022, Silicon Valley Bank's average interest rate for loans was 3.26%, while their most frequently originated rate bucket for loans was 3-4%, with 659 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 893 $2,435,545,000 $2,727,374 $7,117 3.13%
    $600k-1MM 259 $196,385,000 $758,243 $4,971 3.53%
    $400k-600k 229 $113,605,000 $496,092 $4,667 3.52%
    $200k-400k 186 $57,820,000 $310,860 $4,356 3.34%
    $100,000 or less 111 $2,195,000 $19,775 $2,048 0.08%
    $100k-200k 27 $4,545,000 $168,333 $3,211 3.39%

    2022 saw Silicon Valley Bank place emphasis on $1MM+ loans with 893 originations, totaling $2,435,545,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 837 $1,670,685,000 $1,996,039 $6,171 3.17%
    $75k-100k 149 $40,105,000 $269,161 $4,995 2.36%
    $50k-75k 121 $20,265,000 $167,479 $4,358 1.92%
    $150k-250k 111 $89,265,000 $804,189 $4,072 3.60%
    $100k-150k 103 $44,175,000 $428,883 $4,537 3.11%
    $50k or less 8 $1,080,000 $135,000 $4,512 2.13%

    Silicon Valley Bank lent most frequently to those with incomes in the $250k+ range, with 837 originations. The second most popular income band? $75k-100k, with 149 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 307 $395,155,000 $1,287,150 $5,566 3.25%
    30-36% 291 $386,305,000 $1,327,509 $5,552 3.08%
    <20% 118 $109,830,000 $930,763 $4,892 3.21%
    39% 80 $103,480,000 $1,293,500 $6,086 2.81%
    44% 78 $94,700,000 $1,214,103 $5,653 2.90%
    49% 75 $118,465,000 $1,579,533 $5,826 3.11%
    43% 60 $76,860,000 $1,281,000 $5,089 2.91%
    42% 59 $50,655,000 $858,559 $5,526 2.69%
    38% 59 $108,765,000 $1,843,475 $6,257 3.17%
    48% 58 $94,550,000 $1,630,172 $6,739 2.96%
    37% 56 $78,740,000 $1,406,071 $5,360 3.29%
    47% 55 $92,515,000 $1,682,091 $6,241 2.85%
    36% 54 $73,120,000 $1,354,074 $6,341 2.77%
    50-60% 48 $97,440,000 $2,030,000 $8,495 2.55%
    41% 47 $70,655,000 $1,503,298 $5,642 3.20%
    46% 45 $66,415,000 $1,475,889 $5,969 3.25%
    45% 45 $54,935,000 $1,220,778 $6,990 2.73%
    40% 38 $47,810,000 $1,258,158 $5,163 3.18%
    >60% 3 $6,355,000 $2,118,333 $4,564 2.58%

    Silicon Valley Bank lent most frequently to those with DTI ratios of 20-30%, with 307 originations. The next most common DTI ratio? 30-36%, with 291 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 915 $1,363,015,000 $1,489,634 $5,822 3.15%
    Not applicable 128 $682,490,000 $5,331,953 $9,611 3.35%
    Not provided 290 $397,350,000 $1,370,172 $5,842 2.99%
    Asian 244 $244,580,000 $1,002,377 $5,881 2.88%
    Asian Indian 46 $71,190,000 $1,547,609 $5,207 3.30%
    Black 56 $27,930,000 $498,750 $4,303 2.50%
    Other Asian 11 $8,355,000 $759,545 $5,383 2.43%
    Chinese 4 $5,710,000 $1,427,500 $3,068 2.78%
    Korean 4 $4,460,000 $1,115,000 $5,821 3.19%
    American Indian 3 $2,025,000 $675,000 $7,480 2.29%
    Filipino 1 $1,305,000 $1,305,000 $6,865 2.88%
    Native Hawaiian or Islander 2 $970,000 $485,000 $2,703 3.25%
    Vietnamese 1 $715,000 $715,000 $6,810 3.25%

    Approval Rates

    Total approvals of all applications
    97.38%

    Silicon Valley Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    84.93%

    Silicon Valley Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,705 $2,810,095,000 $1,648,150

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,705 $2,810,095,000 $1,648,150

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 104 $112,830,000 $1,084,904 $4,148 3.27%
    40-60% 257 $574,495,000 $2,235,389 $6,201 3.14%
    60-80% 637 $1,475,585,000 $2,316,460 $6,662 3.24%
    80-100% 585 $632,445,000 $1,081,103 $5,590 3.38%
    Under 20% 122 $14,740,000 $120,820 $3,881 0.44%