Silver State Financial Service Mortgage Lending & HMDA Data, 2005
In 2005, Silver State Financial Service of Las Vegas, NV reported 15,073 mortgage applications totaling $3.0 billion. The average application was for $198,170, and applicants reported an average income of $85,947. 78% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Las Vegas-Paradise, NV (11,369), Los Angeles-Long Beach-Glendale, CA (545) and Oakland-Fremont-Hayward, CA (413) (applications in parentheses).
| Mortgage Company & Address | Silver State Financial Service 8655 S Eastern Avenue Las Vegas, NV 89123 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 |
| Total Number of Mortgage Applications | 15,073 |
| Total Mortgage Loan Application Amount | $2,987,023,000 |
| Average Mortgage Loan Application Amount | $198,170 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $85,947 |
| Highest Applicant Income | $5,888,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Silver State Financial Service filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Las Vegas-Paradise, NV | 11,369 | $ 2,075,234,000 | $ 182,534 | $ 89,000 |
| Los Angeles-Long Beach-Glendale, CA | 545 | $ 152,845,000 | $ 280,449 | $ 122,000 |
| Oakland-Fremont-Hayward, CA | 413 | $ 148,780,000 | $ 360,242 | $ 92,000 |
| Phoenix-Mesa-Scottsdale, AZ | 395 | $ 60,481,000 | $ 153,116 | $ 76,000 |
| Riverside-San Bernardino-Ontario, CA | 376 | $ 83,469,000 | $ 221,992 | $ 117,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 164 | $ 50,592,000 | $ 308,487 | $ 133,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 151 | $ 68,239,000 | $ 451,913 | $ 128,000 |
| Stockton, CA | 137 | $ 38,477,000 | $ 280,854 | $ 67,000 |
| Tucson, AZ | 93 | $ 10,945,000 | $ 117,688 | $ 81,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 77 | $ 30,230,000 | $ 392,597 | $ 136,000 |
| Reno-Sparks, NV | 70 | $ 14,301,000 | $ 204,300 | $ 80,000 |
| Salt Lake City, UT | 65 | $ 10,400,000 | $ 160,000 | $ 79,000 |
| Jacksonville, FL | 61 | $ 5,979,000 | $ 98,016 | $ 49,000 |
| Modesto, CA | 56 | $ 14,508,000 | $ 259,071 | $ 104,000 |
| Denver-Aurora, CO | 55 | $ 8,142,000 | $ 148,036 | $ 61,000 |
| Seattle-Bellevue-Everett, WA | 51 | $ 11,622,000 | $ 227,882 | $ 63,000 |
| Bakersfield, CA | 49 | $ 8,722,000 | $ 178,000 | $ 65,000 |
| Santa Ana-Anaheim-Irvine, CA | 48 | $ 20,688,000 | $ 431,000 | $ 138,000 |
| San Diego-Carlsbad-San Marcos, CA | 47 | $ 15,989,000 | $ 340,191 | $ 136,000 |
| San Francisco-San Mateo-Redwood City, CA | 41 | $ 19,627,000 | $ 478,707 | $ 136,000 |
| St. George, UT | 41 | $ 6,986,000 | $ 170,390 | $ 103,000 |
| Colorado Springs, CO | 37 | $ 4,174,000 | $ 112,810 | $ 72,000 |
| Fresno, CA | 34 | $ 6,356,000 | $ 186,941 | $ 99,000 |
| Dallas-Plano-Irving, TX | 28 | $ 3,478,000 | $ 124,214 | $ 75,000 |
| St. Louis, MO-IL | 28 | $ 2,160,000 | $ 77,142 | $ 63,000 |
| Vallejo-Fairfield, CA | 26 | $ 7,899,000 | $ 303,807 | $ 110,000 |
| Provo-Orem, UT | 24 | $ 3,710,000 | $ 154,583 | $ 79,000 |
| Visalia-Porterville, CA | 22 | $ 2,945,000 | $ 133,863 | $ 256,000 |
| Boise City-Nampa, ID | 21 | $ 3,432,000 | $ 163,428 | $ 155,000 |
| Kansas City, MO-KS | 20 | $ 1,272,000 | $ 63,600 | $ 60,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 18 | $ 6,136,000 | $ 340,888 | $ 135,000 |
| Austin-Round Rock, TX | 16 | $ 2,469,000 | $ 154,312 | $ 48,000 |
| Fort Worth-Arlington, TX | 15 | $ 1,481,000 | $ 98,733 | $ 30,000 |
| Yuba City, CA | 14 | $ 3,979,000 | $ 284,214 | $ 119,000 |
| Ogden-Clearfield, UT | 13 | $ 1,178,000 | $ 90,615 | $ 42,000 |
| San Antonio, TX | 13 | $ 1,163,000 | $ 89,461 | $ 161,000 |
| Hanford-Corcoran, CA | 12 | $ 1,019,000 | $ 84,916 | $ 251,000 |
| San Luis Obispo-Paso Robles, CA | 12 | $ 3,442,000 | $ 286,833 | $ 173,000 |
| Spokane, WA | 12 | $ 639,000 | $ 53,250 | $ 25,000 |
| El Centro, CA | 11 | $ 1,773,000 | $ 161,181 | $ 68,000 |
| Albuquerque, NM | 10 | $ 818,000 | $ 81,800 | $ 156,000 |
| Sarasota-Bradenton-Venice, FL | 10 | $ 1,503,000 | $ 150,300 | $ 0 |
| Santa Cruz-Watsonville, CA | 9 | $ 6,912,000 | $ 768,000 | $ 134,000 |
| Tacoma, WA | 9 | $ 2,352,000 | $ 261,333 | $ 40,000 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 1,439,000 | $ 159,888 | $ 26,000 |
| Lakeland, FL | 8 | $ 923,000 | $ 115,375 | $ 98,000 |
| Merced, CA | 8 | $ 1,882,000 | $ 235,250 | $ 84,000 |
| Greeley, CO | 6 | $ 708,000 | $ 118,000 | $ 32,000 |
| Port St. Lucie-Fort Pierce, FL | 6 | $ 860,000 | $ 143,333 | $ 60,000 |
| Redding, CA | 6 | $ 1,357,000 | $ 226,166 | $ 114,000 |
| Santa Rosa-Petaluma, CA | 6 | $ 1,913,000 | $ 318,833 | $ 54,000 |
| Carson City, NV | 5 | $ 898,000 | $ 179,600 | $ 124,000 |
| Houston-Baytown-Sugar Land, TX | 5 | $ 354,000 | $ 70,800 | $ 65,000 |
| Prescott, AZ | 5 | $ 1,040,000 | $ 208,000 | $ 138,000 |
| Salinas, CA | 5 | $ 2,146,000 | $ 429,200 | $ 111,000 |
| Kennewick-Richland-Pasco, WA | 4 | $ 251,000 | $ 62,750 | $ 39,000 |
| Madera, CA | 4 | $ 1,099,000 | $ 274,750 | $ 22,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 325,000 | $ 81,250 | $ 0 |
| Yuma, AZ | 4 | $ 488,000 | $ 122,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 3 | $ 662,000 | $ 220,666 | $ 161,000 |
| Fort Collins-Loveland, CO | 3 | $ 797,000 | $ 265,666 | $ 128,000 |
| Logan, UT-ID | 3 | $ 324,000 | $ 108,000 | $ 20,000 |
| Napa, CA | 3 | $ 1,125,000 | $ 375,000 | $ 116,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 350,000 | $ 175,000 | $ 95,000 |
| Bellingham, WA | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 2 | $ 399,000 | $ 199,500 | $ 240,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 235,000 | $ 117,500 | $ 73,000 |
| Chico, CA | 2 | $ 295,000 | $ 147,500 | $ 37,000 |
| Columbia, MO | 2 | $ 125,000 | $ 62,500 | $ 42,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 386,000 | $ 193,000 | $ 82,000 |
| Nassau-Suffolk, NY | 2 | $ 347,000 | $ 173,500 | $ 115,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 200,000 | $ 100,000 | $ 130,000 |
| Boulder, CO | 1 | $ 292,000 | $ 292,000 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 150,000 | $ 150,000 | $ 0 |
| El Paso, TX | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Jefferson City, MO | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 173,000 | $ 173,000 | $ 74,000 |
| Orlando, FL | 1 | $ 240,000 | $ 240,000 | $ 118,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 176,000 | $ 176,000 | $ 120,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 147,000 | $ 147,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Silver State Financial Service in 2005
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 | 11,611 | $2,061,549,000 | $155,421 | $1,950,000 | $80,105 | $5,888,000 |
| Refinancing | 3,461 | $925,422,000 | $231,083 | $2,000,000 | $82,750 | $1,528,000 |
| Home Improvement | 1 | $52,000 | $52,000 | $52,000 | $60,000 | $60,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 13,630 | $2,632,696,000 | $164,550 | $2,000,000 | $84,800 | $5,888,000 |
| White | 1,014 | $267,953,000 | $205,125 | $1,855,000 | $134,750 | $2,069,000 |
| Hispanic | 304 | $56,037,000 | $169,000 | $792,000 | $59,750 | $378,000 |
| Black or African American | 53 | $12,088,000 | $228,500 | $912,000 | $69,500 | $210,000 |
| Asian | 43 | $11,299,000 | $293,500 | $760,000 | $108,000 | $324,000 |
| Native Hawaiian or Other Pacific Islander | 23 | $4,854,000 | $218,000 | $469,000 | $90,500 | $230,000 |
| American Indian or Alaskan Native | 6 | $2,096,000 | $303,666 | $880,000 | $31,000 | $187,000 |
| Not applicable | 0 | $0 | $0 | $0 | $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) | 15,073 | $2,987,023,000 | $164,550 | $2,000,000 | $86,050 | $5,888,000 |
| 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 | 11,715 | $2,360,181,000 | $170,187 | $2,000,000 | $76,250 | $2,069,000 |
| Application Approved But Not Accepted | 1,887 | $318,810,000 | $134,916 | $1,112,000 | $76,083 | $836,000 |
| Application Denied By Financial Institution | 709 | $137,096,000 | $157,214 | $1,800,000 | $106,428 | $5,888,000 |
| File Closed For Incompleteness | 620 | $138,319,000 | $184,000 | $1,435,000 | $104,625 | $799,000 |
| Application Withdrawn By Applicant | 142 | $32,617,000 | $153,125 | $1,950,000 | $96,750 | $1,031,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Silver State Financial Service's 2005 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 Silver State Financial Service'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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