Silicon Valley Bank Mortgage Rates, Fees & Info
Santa Clara, CALEI: 0K2D5AK28E3O5CC06E35
Tax ID: 94-2875288
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Review & Overview
Silicon Valley Bank is a smaller bank specializing in Home Purchase loans. Silicon Valley Bank has a high proportion of conventional loans. Their top markets by origination volume include: San Francisco, San Jose, Los Angeles, Boston, and New York among others. We have data for 61 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 5.09% | 4/21/24 |
| 30 Year Conventional Refi | 5.58% | 4/21/24 |
| 30 Year Cash-out Refi | 5.58% | 4/21/24 |
| 15 Year Conventional Purchase | 4.64% | 4/21/24 |
| 15 Year Conventional Refi | 5.39% | 4/21/24 |
| 15 Year Cash-out Refi | 5.39% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
423Origination Dollar Volume (All Markets)
$630,315,000Employee count
2,818Awards
Silicon Valley Bank - 2018
Silicon Valley Bank is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 141 | $272,375,000 | $1,931,738 | $4,919 | 3.55% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 32 | $51,640,000 | $1,613,750 | $4,106 | 3.47% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 31 | $48,055,000 | $1,550,161 | $6,747 | 3.66% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 23 | $30,415,000 | $1,322,391 | $5,416 | 3.54% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 18 | $28,590,000 | $1,588,333 | $7,371 | 3.52% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $15,770,000 | $1,971,250 | $4,424 | 3.45% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 9 | $13,335,000 | $1,481,667 | $5,577 | 3.84% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 12 | $12,870,000 | $1,072,500 | $3,929 | 3.82% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 6 | $10,640,000 | $1,773,333 | $13,144 | 3.67% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 12 | $9,930,000 | $827,500 | $3,611 | 3.53% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 8 | $9,440,000 | $1,180,000 | $4,361 | 3.84% |
| Outside of Metro Areas | 7 | $8,335,000 | $1,190,714 | $3,064 | 3.68% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $8,065,000 | $2,688,333 | $13,217 | 3.54% |
| Jackson, WY-ID (FHA|USDA|VA) | 3 | $7,975,000 | $2,658,333 | $5,936 | 3.25% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 6 | $7,360,000 | $1,226,667 | $6,072 | 3.71% |
| BOULDER, CO (FHA|USDA|VA) | 6 | $6,760,000 | $1,126,667 | $4,247 | 3.35% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 3 | $6,305,000 | $2,101,667 | $6,643 | 3.63% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $6,005,000 | $6,005,000 | $9,823 | 2.88% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 4 | $5,870,000 | $1,467,500 | $4,543 | 3.72% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $5,380,000 | $896,667 | $4,737 | 3.73% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 14 | $5,160,000 | $368,571 | $4,850 | 3.44% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $4,850,000 | $2,425,000 | $8,242 | 3.75% |
| Heber, UT (FHA|USDA|VA) | 2 | $4,650,000 | $2,325,000 | $6,727 | 3.44% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 5 | $4,235,000 | $847,000 | $5,370 | 3.85% |
| NAPA, CA (FHA|USDA|VA) | 4 | $4,050,000 | $1,012,500 | $3,892 | 3.56% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $3,655,000 | $1,218,333 | $6,616 | 3.92% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 3 | $3,575,000 | $1,191,667 | $5,227 | 3.58% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $3,010,000 | $1,505,000 | $4,185 | 3.81% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $2,435,000 | $487,000 | $3,971 | 3.63% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 5 | $2,245,000 | $449,000 | $3,639 | 3.70% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $2,210,000 | $1,105,000 | $3,064 | 3.56% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $1,835,000 | $1,835,000 | $3,869 | 3.75% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $1,535,000 | $1,535,000 | $7,464 | 3.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $1,350,000 | $675,000 | $8,423 | 3.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $6,179 | 4.00% |
| Athens, TX (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $9,075 | 3.50% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $1,115,000 | $1,115,000 | $3,457 | 3.75% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $2,767 | 3.56% |
| Rutland, VT (FHA|USDA|VA) | 1 | $1,055,000 | $1,055,000 | $6,074 | 3.88% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $4,557 | 3.75% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $4,808 | 3.63% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $2,989 | 4.06% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $3,527 | 3.38% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $3,233 | 3.44% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $5,668 | 4.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $2,988 | 3.50% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $3,941 | 3.63% |
| Española, NM (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $5,583 | 4.00% |
| BEND, OR (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $3,694 | 3.50% |
| Sonora, CA (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $2,891 | 3.63% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $3,730 | 3.38% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $2,799 | 3.50% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $4,682 | 3.25% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $1,616 | 4.00% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,030 | 3.50% |
| Edwards, CO (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,990 | 4.38% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,229 | 2.75% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,435 | 3.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $310,000 | $77,500 | $1,920 | 4.50% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,424 | 3.38% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,142 | 4.25% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 423 | $630,315,000 | $1,490,106 | $5,158 | 3.59% |
For 2018, Silicon Valley Bank's most frequently originated type of loan was Conventional, with 423 originations.
Loan Reason
For 2018, Silicon Valley Bank's most frequently cited loan purpose was Home Purchase, with 256 originations. The 2nd most popular reason was Refi, with 64 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 415 | $589,965,000 | $1,421,602 | $5,157 | 3.61% |
| Other | 8 | $40,350,000 | $5,043,750 | $5,207 | 2.79% |
For 2018, Silicon Valley Bank's most frequently cited loan duration was 30 Year, with 415 originations. The 2nd most popular length was Other, with 8 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 297 | $498,025,000 | $1,676,852 |
| $2k-3k | 99 | $73,165,000 | $739,040 |
| $1k-2k | 23 | $19,485,000 | $847,174 |
| $5k+ | 2 | $5,200,000 | $2,600,000 |
Silicon Valley Bank's average total fees were $5,157, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 297 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 346 | $505,870,000 | $1,462,052 |
| 4-5% | 49 | $69,655,000 | $1,421,531 |
| 2.5-3% | 22 | $48,880,000 | $2,221,818 |
| <2.5% | 6 | $5,910,000 | $985,000 |
During 2018, Silicon Valley Bank's average interest rate for loans was 3.61%, while their most frequently originated rate bucket for loans was 3-4%, with 346 originations.
Loan Sizing
2018 saw Silicon Valley Bank place emphasis on $1MM+ loans with 227 originations, totaling $511,735,000 in origination value.
Applicant Income
Silicon Valley Bank lent most frequently to those with incomes in the $250k+ range, with 236 originations. The second most popular income band? $150k-250k, with 30 originations.
Applicant Debt to Income Ratio
Silicon Valley Bank lent most frequently to those with DTI ratios of 30-36%, with 72 originations. The next most common DTI ratio? 20-30%, with 71 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.34%
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 origination83.45%
Silicon Valley Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 423 | $630,315,000 | $1,490,106 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 2 | $34,440,000 | $17,220,000 |
| Single Family (1-4 Units):Site-Built | 421 | $595,875,000 | $1,415,380 |
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Silicon Valley Bank | 2400 Hanover St. Palo Alto, CA 94304 | Full Service B&M | $462,419 |
| Silicon Valley Bank | 2770 Sand Hill Road Menlo Park, CA 94025 | Full Service B&M | $972,680 |
| Silicon Valley Bank | 3000 Sand Hill Road, Suite 150, Building 3 Menlo Park, CA 94025 | Full Service B&M | $3,171,286 |
| Silicon Valley Bank | 3003 Tasman Drive Santa Clara, CA 95054 | Full Service B&M | $41,157,121 |
| Silicon Valley Bank | 899 Adams Street, Suite G-2 St. Helena, CA 94574 | Full Service B&M | $146,977 |
For 2018, Silicon Valley Bank had 5 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $1,969,360 |
| Net interest income | $1,925,476 |
| Total noninterest income | $541,488 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $71,775 |
| Trading account gains and fees | $9,330 |
| Additional Noninterest Income | $460,383 |
| Pre-tax net operating income | $1,271,087 |
| Securities gains (or losses, -) | $-692 |
| Income before extraordinary items | $933,641 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $933,641 |
| Minority interest net income | $0 |
| Net income | $933,641 |
| Sale, conversion, retirement of capital stock, net | $21,469 |
| Net operating income | $934,187 |
Silicon Valley Bank's gross interest income from loans was $1,969,360,000.
Silicon Valley Bank's net interest income from loans was $1,925,476,000.
Silicon Valley Bank's fee based income from loans was $71,775,000.
Silicon Valley Bank's net income from loans was $933,641,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $43,884 |
| Provision for credit losses | $84,291 |
| Total noninterest expense | $1,111,586 |
| Salaries and employee benefits | $689,880 |
| Premises and equipment expense | $63,640 |
| Additional noninterest expense | $358,066 |
| Applicable income taxes | $336,754 |
| Net charge-offs | $56,474 |
| Cash dividends | $140,000 |
Silicon Valley Bank's interest expense for loans was $43,884,000.
Silicon Valley Bank's payroll and benefits expense were $689,880,000.
Silicon Valley Bank's property, plant and equipment expenses $63,640,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 1.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $49,991,939 |
| Deposits held in domestic offices | $45,256,654 |
| Deposits by Individuals, partnerships, and corporations | $45,256,654 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $0 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $3,747,522 |
| Demand deposits | $3,743,219 |
| Nontransaction accounts | $41,509,132 |
| Money market deposit accounts (MMDAs) | $41,480,915 |
| Other savings deposits (excluding MMDAs) | $2,684 |
| Total time deposits | $25,533 |
| Total time and savings deposits | $41,513,435 |
| Noninterest-bearing deposits | $38,467,612 |
| Interest-bearing deposits | $6,789,042 |
| Retail deposits | $45,239,580 |
| IRAs and Keogh plan accounts | $0 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $4,735,285 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $56,139,644 |
| Cash & Balances due from depository institutions | $3,408,468 |
| Interest-bearing balances | $2,890,855 |
| Total securities | $23,077,746 |
| Federal funds sold & reverse repurchase | $115,272 |
| Net loans and leases | $28,057,377 |
| Loan and leases loss allowance | $280,903 |
| Trading account assets | $104,134 |
| Bank premises and fixed assets | $59,296 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,317,351 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $56,139,644 |
| Total Liabilities | $51,584,831 |
| Total deposits | $49,991,939 |
| Interest-bearing deposits | $10,225,477 |
| Deposits held in domestic offices | $45,256,654 |
| % insured (estimated) | $12 |
| Federal funds purchased and repurchase agreements | $319,414 |
| Trading liabilities | $96,956 |
| Other borrowed funds | $312,380 |
| Subordinated debt | $0 |
| All other liabilities | $864,142 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $28,057,377 |
| Loan and leases loss allowance | $280,903 |
| Total loans and leases (domestic) | $28,338,280 |
| All real estate loans | $3,483,231 |
| Real estate loans in domestic offices | $3,483,231 |
| Construction and development loans | $147,113 |
| Residential 1-4 family construction | $724 |
| Other construction, all land development and other land | $146,389 |
| Loans secured by nonfarm nonresidential properties | $112,737 |
| Nonfarm nonresidential secured by owner-occupied properties | $53,247 |
| Commercial real estate & other non-farm, non-residential | $59,490 |
| Multifamily residential real estate | $6,797 |
| 1-4 family residential loans | $2,600,441 |
| Farmland loans | $616,143 |
| Loans held in foreign offices | $0 |
| Farm loans | $6,563 |
| Commercial and industrial loans | $11,408,004 |
| To non-U.S. addressees | $1,675,706 |
| Loans to individuals | $146,971 |
| Credit card loans | $407 |
| Related Plans | $117,835 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $28,729 |
| All other loans & leases | $13,466,543 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $13,431,342 |
| Loans to depository institutions and acceptances of other banks | $35,201 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $6,932 |
| Restructured Loans & leases | $31,639 |
| Non 1-4 family restructured loans & leases | $31,319 |
| Total loans and leases (foreign) | $2,081,536 |
Silicon Valley Bank had $28,057,377,000 of loans outstanding in 2018. $3,483,231,000 of loans were in real estate loans. $147,113,000 of loans were in development loans. $6,797,000 of loans were in multifamily mortgage loans. $2,600,441,000 of loans were in 1-4 family mortgage loans. $6,563,000 of loans were in farm loans. $407,000 of loans were in credit card loans. $0 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 3 | $1,598 | $532,667 |
| Nonfarm, nonresidential loans - $250k-1MM | 3 | $1,598 | $532,667 |
| Commercial & Industrial, US addressed loans - <$1MM | 5,753 | $214,978 | $37,368 |
| Commercial & Industrial, US addressed loans - <$100k | 4,615 | $44,185 | $9,574 |
| Commercial & Industrial, US addressed loans - $100-250k | 627 | $34,149 | $54,464 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 511 | $136,644 | $267,405 |
| Farmland loans - <$1MM | 7 | $1,631 | $233,000 |
| Farmland loans - <$100k | 1 | $45 | $45,000 |
| Farmland loans - $100-250k | 2 | $348 | $174,000 |
| Farmland loans - $250k-1MM | 4 | $1,238 | $309,500 |