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949 South Coast Drive Third Floor
Costa Mesa, CA 92626

Pacific Mercantile Bank is headquartered in Costa Mesa and is the 54th largest bank in the state of California. It is also the 669th largest bank in the nation. It was established in 1999 and as of June of 2016, it had grown to 158 employees at 9 locations. Pacific Mercantile Bank has an A+ health rating.

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Reviews (6)

New USDA Loan

Posted by: GaryGray | Dec 22, 2010

My wife and I  are currently working with the  Loan Officer Tanvir Karim purchase a new home. He has been extemely professional and attentive to detail. I do not know the circumstancdes of the other review posted. However,  my experience with Pacific Mercantile Bank has been a breath of fresh air compared to our last experience with another lending institution trying to put together a simular loan.  5 stars earned excellent service.  Gary and Darilyn Gray

Excellent CD Rates

Posted by: Anonymous | Jan 14, 2012

I have several CD's with Pacific Mercantile. Although their rates are not always the highest, they are consistently competitive, and -- best of all -- they keep the same rates for a long time. No changing from week to week or day to day.

Customer service at the Costa Mesa branch is tops. Everyone is polite, careful, and thorough. Fashion Island branch is not quite so good. Also, statements from the Fashion Island branch take longer to arrive.

Don't Open Accounts With Pacific Mercantile Bank If You Want SSN Protected

Posted by: Anonymous | Jun 7, 2012

I moved and changed addresses in Ontario branch in Jan, 2012, but there is still mail being sent to my old address with SSN fully printed in June, 2012. When I try to call the bank to stop sending mail to old address, they said it's impossible. Today is Thursday and I still have not heard back from the branch or the information security officer. The next step is to file a complaint to the regulator or homeland security office.

Approved? Or Not? Or Yes?

Posted by: Anonymous | Apr 19, 2012

This bank is crazy! I can't believe they are even in business! My husband and I were promised an approval two weeks ago on our home loan and now we are up against losing our dream home if these people don't pull through for us. I have never felt more helpless in my LIFE! If you can, stay AWAY! Save yourself some time and work with a bank that really cares about the American dream.

Case By Case

Posted by: richard | Aug 2, 2011

Pacific Mercantile in Costa Mesa is the epidomy of greed, dishonesty, and corruption. They will look into your portfolio and if there is money there, they will wait untill you are deep into the loan and suddenly come up with unexpected fees and cost, knowing its very hard to back out.

This all comes under the umbrella that each loan is on a case by case basis. The outright dishonesty is uphaling. You can get away with it once or twice but these deceptive practices will catch up with them, hopefull in court where it will matter.

Dont Even Consider This Lender For Your Home Loan

Posted by: Anonymous | Aug 24, 2010

We have been stuck in Hotels and now renting our own home from the sellers while we wait for this hopeless institution to figure out how to prepare documents!!  They confirm there is nothing holding up the closing, but they just cant seem to produce any results.  What a nightmare!!!

Homeless in Texas


Health Grade Components

FDIC Certificate #34940
Year Established1999
Primary RegulatorFED
Profit Margin
Return on Assets - YTD-0.75%
Return on Equity - YTD-6.08%
Annual Interest Income$19.8MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$1.08B$1.04B
LoansQ2 2016vs Q2 2015$857.7MM$819.2MM
DepositsQ2 2016vs Q2 2015$939.4MM$886.8MM
Equity CapitalQ2 2016vs Q2 2015$129.8MM$118.7MM
Loan Loss AllowanceQ2 2016vs Q2 2015$13.4MM$12.3MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$13.3MM$18.9MM
Real Estate OwnedQ2 2016vs Q2 2015$0$0

Sorry, we do not have rate data for Pacific Mercantile Bank.


Pacific Mercantile Bank Locations
LA Habra Branch1530 West Whittier Blvd.Ste BLa Habra, CA 90631
Ontario Branch3257 Guasti Road Suite 110Ontario, CA 91761
Newport Beach Branch450 Newport Center Drive, Suite 100Newport Beach, CA 92660
Costa Mesa Branch949 South Coast Dr., Ste 105Costa Mesa, CA 92626
Pacific Mercantile Bank949 South Coast Drive, 3rd. FloorCosta Mesa, CA 92626
Beverly Hills Branch9720 Wilshire Boulevard, Suite 100Beverly Hills, CA 90212