Silvergate Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Silvergate Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Silvergate Bank 4275 Executive Square Suite 800 La Jolla, CA 92037 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,823 |
| Total Mortgage Loan Application Amount | $857,135,000 |
| Average Mortgage Loan Application Amount | $411,935 |
| Highest Mortgage Loan Application Amount | $4,488,000 |
| Average Applicant Income | $26,596 |
| Highest Applicant Income | $1,230,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Silvergate Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Silvergate Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Silvergate Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Silvergate Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Silvergate Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Silvergate Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Diego County California | 693 | $ 199,149,000 | $ 287,000 | $ 114,000 |
| Los Angeles County California | 334 | $ 102,227,000 | $ 306,000 | $ 107,000 |
| Orange County California | 168 | $ 58,894,000 | $ 350,000 | $ 115,000 |
| Santa Clara County California | 155 | $ 63,641,000 | $ 410,000 | $ 116,000 |
| Fairfax County Virginia | 114 | $ 39,768,000 | $ 348,000 | $ 123,000 |
| Montgomery County Maryland | 77 | $ 27,093,000 | $ 351,000 | $ 130,000 |
| Riverside County California | 75 | $ 16,282,000 | $ 217,000 | $ 90,000 |
| King County Washington | 69 | $ 21,110,000 | $ 305,000 | $ 115,000 |
| Sacramento County California | 49 | $ 11,870,000 | $ 242,000 | $ 67,000 |
| Alameda County California | 48 | $ 15,442,000 | $ 321,000 | $ 96,000 |
| San Bernardino County California | 48 | $ 8,609,000 | $ 179,000 | $ 77,000 |
| Contra Costa County California | 47 | $ 15,163,000 | $ 322,000 | $ 95,000 |
| San Mateo County California | 43 | $ 19,294,000 | $ 448,000 | $ 150,000 |
| Cook County Illinois | 42 | $ 13,359,000 | $ 318,000 | $ 0 |
| Ventura County California | 30 | $ 8,858,000 | $ 295,000 | $ 69,000 |
| Hartford County Connecticut | 30 | $ 6,915,000 | $ 230,000 | $ 87,000 |
| Loudoun County Virginia | 26 | $ 9,965,000 | $ 383,000 | $ 115,000 |
| Prince William County Virginia | 26 | $ 6,034,000 | $ 232,000 | $ 89,000 |
| Placer County California | 25 | $ 6,025,000 | $ 241,000 | $ 81,000 |
| San Joaquin County California | 24 | $ 4,482,000 | $ 186,000 | $ 76,000 |
| Marin County California | 23 | $ 9,056,000 | $ 393,000 | $ 155,000 |
| Santa Cruz County California | 22 | $ 7,503,000 | $ 341,000 | $ 216,000 |
| Monterey County California | 21 | $ 8,104,000 | $ 385,000 | $ 120,000 |
| Solano County California | 20 | $ 4,207,000 | $ 210,000 | $ 86,000 |
| Anne Arundel County Maryland | 19 | $ 4,323,000 | $ 227,000 | $ 66,000 |
| Maricopa County Arizona | 18 | $ 6,158,000 | $ 342,000 | $ 33,000 |
| Sonoma County California | 17 | $ 4,955,000 | $ 291,000 | $ 76,000 |
| Oakland County Michigan | 16 | $ 6,946,000 | $ 434,000 | $ 0 |
| San Francisco County California | 15 | $ 8,210,000 | $ 547,000 | $ 206,000 |
| Alexandria County Virginia | 15 | $ 4,005,000 | $ 267,000 | $ 89,000 |
| Snohomish County Washington | 15 | $ 2,248,000 | $ 149,000 | $ 58,000 |
| Arlington County Virginia | 14 | $ 4,890,000 | $ 349,000 | $ 140,000 |
| Fresno County California | 13 | $ 3,067,000 | $ 235,000 | $ 95,000 |
| Fairfield County Connecticut | 13 | $ 4,572,000 | $ 351,000 | $ 116,000 |
| Suffolk County Massachusetts | 11 | $ 3,079,000 | $ 279,000 | $ 27,000 |
| Multnomah County Oregon | 11 | $ 2,676,000 | $ 243,000 | $ 85,000 |
| Prince George's County Maryland | 10 | $ 2,629,000 | $ 262,000 | $ 86,000 |
| El Dorado County California | 9 | $ 2,259,000 | $ 251,000 | $ 78,000 |
| Denver County Colorado | 9 | $ 2,705,000 | $ 300,000 | $ 0 |
| Clackamas County Oregon | 9 | $ 2,668,000 | $ 296,000 | $ 87,000 |
| Chesterfield County Virginia | 9 | $ 1,104,000 | $ 122,000 | $ 49,000 |
| Pierce County Washington | 9 | $ 1,392,000 | $ 154,000 | $ 99,000 |
| Tolland County Connecticut | 8 | $ 1,204,000 | $ 150,000 | $ 61,000 |
| Henrico County Virginia | 8 | $ 1,455,000 | $ 181,000 | $ 51,000 |
| Stanislaus County California | 7 | $ 1,104,000 | $ 157,000 | $ 55,000 |
| Douglas County Colorado | 7 | $ 2,628,000 | $ 375,000 | $ 0 |
| Middlesex County Connecticut | 7 | $ 1,217,000 | $ 173,000 | $ 103,000 |
| Lake County Illinois | 7 | $ 3,098,000 | $ 442,000 | $ 0 |
| Howard County Maryland | 7 | $ 2,001,000 | $ 285,000 | $ 122,000 |
| St. Mary's County Maryland | 7 | $ 1,797,000 | $ 256,000 | $ 103,000 |
| Virginia Beach County Virginia | 7 | $ 1,498,000 | $ 214,000 | $ 53,000 |
| Kern County California | 6 | $ 622,000 | $ 103,000 | $ 83,000 |
| San Luis Obispo County California | 6 | $ 1,658,000 | $ 276,000 | $ 37,000 |
| Santa Barbara County California | 6 | $ 1,917,000 | $ 319,000 | $ 96,000 |
| Richmond City County Virginia | 6 | $ 974,000 | $ 162,000 | $ 46,000 |
| Merced County California | 5 | $ 862,000 | $ 172,000 | $ 78,000 |
| Baltimore County Maryland | 5 | $ 1,268,000 | $ 253,000 | $ 91,000 |
| Jackson County Oregon | 5 | $ 1,044,000 | $ 208,000 | $ 102,000 |
| Washington County Oregon | 5 | $ 1,803,000 | $ 360,000 | $ 109,000 |
| Butte County California | 4 | $ 611,000 | $ 152,000 | $ 59,000 |
| Napa County California | 4 | $ 1,245,000 | $ 311,000 | $ 106,000 |
| Boulder County Colorado | 4 | $ 1,208,000 | $ 302,000 | $ 0 |
| Jefferson County Colorado | 4 | $ 948,000 | $ 237,000 | $ 0 |
| Litchfield County Connecticut | 4 | $ 636,000 | $ 159,000 | $ 75,000 |
| New Haven County Connecticut | 4 | $ 743,000 | $ 185,000 | $ 106,000 |
| Cobb County Georgia | 4 | $ 1,007,000 | $ 251,000 | $ 0 |
| Norfolk County Massachusetts | 4 | $ 1,417,000 | $ 354,000 | $ 0 |
| St. Louis County Missouri | 4 | $ 1,892,000 | $ 473,000 | $ 0 |
| Clark County Nevada | 4 | $ 3,619,000 | $ 904,000 | $ 144,000 |
| Brunswick County North Carolina | 4 | $ 2,259,000 | $ 564,000 | $ 0 |
| Albemarle County Virginia | 4 | $ 748,000 | $ 187,000 | $ 38,000 |
| Fairfax City County Virginia | 4 | $ 913,000 | $ 228,000 | $ 81,000 |
| Stafford County Virginia | 4 | $ 891,000 | $ 222,000 | $ 135,000 |
| Humboldt County California | 3 | $ 470,000 | $ 156,000 | $ 72,000 |
| Nevada County California | 3 | $ 619,000 | $ 206,000 | $ 63,000 |
| Yolo County California | 3 | $ 647,000 | $ 215,000 | $ 77,000 |
| Arapahoe County Colorado | 3 | $ 1,252,000 | $ 417,000 | $ 0 |
| Broward County Florida | 3 | $ 1,127,000 | $ 375,000 | $ 0 |
| Palm Beach County Florida | 3 | $ 1,307,000 | $ 435,000 | $ 0 |
| Carroll County Maryland | 3 | $ 1,238,000 | $ 412,000 | $ 208,000 |
| Barnstable County Massachusetts | 3 | $ 746,000 | $ 248,000 | $ 36,000 |
| Plymouth County Massachusetts | 3 | $ 1,226,000 | $ 408,000 | $ 0 |
| Hennepin County Minnesota | 3 | $ 1,082,000 | $ 360,000 | $ 0 |
| Suffolk County New York | 3 | $ 1,117,000 | $ 372,000 | $ 0 |
| Linn County Oregon | 3 | $ 688,000 | $ 229,000 | $ 88,000 |
| Bedford County Virginia | 3 | $ 446,000 | $ 148,000 | $ 45,000 |
| Fluvanna County Virginia | 3 | $ 521,000 | $ 173,000 | $ 99,000 |
| Gloucester County Virginia | 3 | $ 287,000 | $ 95,000 | $ 50,000 |
| Hanover County Virginia | 3 | $ 422,000 | $ 140,000 | $ 59,000 |
| Manassas County Virginia | 3 | $ 578,000 | $ 192,000 | $ 60,000 |
| Suffolk County Virginia | 3 | $ 780,000 | $ 260,000 | $ 108,000 |
| Kitsap County Washington | 3 | $ 344,000 | $ 114,000 | $ 66,000 |
| Whatcom County Washington | 3 | $ 587,000 | $ 195,000 | $ 79,000 |
| Pima County Arizona | 2 | $ 388,000 | $ 194,000 | $ 83,000 |
| Kings County California | 2 | $ 283,000 | $ 141,000 | $ 90,000 |
| Tulare County California | 2 | $ 260,000 | $ 130,000 | $ 77,000 |
| El Paso County Colorado | 2 | $ 861,000 | $ 430,000 | $ 0 |
| Larimer County Colorado | 2 | $ 614,000 | $ 307,000 | $ 0 |
| District of Columbia County District Of Columbia | 2 | $ 804,000 | $ 402,000 | $ 0 |
| Fulton County Georgia | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Gwinnett County Georgia | 2 | $ 644,000 | $ 322,000 | $ 0 |
| Hall County Georgia | 2 | $ 719,000 | $ 359,000 | $ 0 |
| DuPage County Illinois | 2 | $ 718,000 | $ 359,000 | $ 0 |
| Kane County Illinois | 2 | $ 938,000 | $ 469,000 | $ 0 |
| McHenry County Illinois | 2 | $ 858,000 | $ 429,000 | $ 0 |
| Will County Illinois | 2 | $ 954,000 | $ 477,000 | $ 0 |
| Calvert County Maryland | 2 | $ 616,000 | $ 308,000 | $ 76,000 |
| Charles County Maryland | 2 | $ 383,000 | $ 191,000 | $ 90,000 |
| Harford County Maryland | 2 | $ 269,000 | $ 134,000 | $ 60,000 |
| Middlesex County Massachusetts | 2 | $ 786,000 | $ 393,000 | $ 0 |
| Nantucket County Massachusetts | 2 | $ 768,000 | $ 384,000 | $ 226,000 |
| Wayne County Michigan | 2 | $ 993,000 | $ 496,000 | $ 0 |
| St. Louis City County Missouri | 2 | $ 510,000 | $ 255,000 | $ 0 |
| Franklin County Ohio | 2 | $ 821,000 | $ 410,000 | $ 0 |
| Lane County Oregon | 2 | $ 2,036,000 | $ 1,018,000 | $ 47,000 |
| Harris County Texas | 2 | $ 935,000 | $ 467,000 | $ 0 |
| Tarrant County Texas | 2 | $ 901,000 | $ 450,000 | $ 0 |
| Salt Lake County Utah | 2 | $ 594,000 | $ 297,000 | $ 0 |
| Summit County Utah | 2 | $ 448,000 | $ 224,000 | $ 0 |
| Fauquier County Virginia | 2 | $ 305,000 | $ 152,000 | $ 72,000 |
| Greene County Virginia | 2 | $ 372,000 | $ 186,000 | $ 56,000 |
| Newport News County Virginia | 2 | $ 208,000 | $ 104,000 | $ 36,000 |
| Norfolk County Virginia | 2 | $ 219,000 | $ 109,000 | $ 255,000 |
| Prince George County Virginia | 2 | $ 205,000 | $ 102,000 | $ 60,000 |
| Roanoke City County Virginia | 2 | $ 129,000 | $ 64,000 | $ 114,000 |
| York County Virginia | 2 | $ 448,000 | $ 224,000 | $ 85,000 |
| Clark County Washington | 2 | $ 346,000 | $ 173,000 | $ 101,000 |
| Cowlitz County Washington | 2 | $ 237,000 | $ 118,000 | $ 43,000 |
| Mason County Washington | 2 | $ 250,000 | $ 125,000 | $ 45,000 |
| Waukesha County Wisconsin | 2 | $ 797,000 | $ 398,000 | $ 0 |
| Yuma County Arizona | 1 | $ 56,000 | $ 56,000 | $ 180,000 |
| Calaveras County California | 1 | $ 200,000 | $ 200,000 | $ 37,000 |
| Del Norte County California | 1 | $ 118,000 | $ 118,000 | $ 63,000 |
| Madera County California | 1 | $ 150,000 | $ 150,000 | $ 122,000 |
| Mono County California | 1 | $ 208,000 | $ 208,000 | $ 276,000 |
| San Benito County California | 1 | $ 635,000 | $ 635,000 | $ 220,000 |
| Shasta County California | 1 | $ 200,000 | $ 200,000 | $ 48,000 |
| Siskiyou County California | 1 | $ 108,000 | $ 108,000 | $ 43,000 |
| Yuba County California | 1 | $ 112,000 | $ 112,000 | $ 77,000 |
| Pitkin County Colorado | 1 | $ 699,000 | $ 699,000 | $ 0 |
| New London County Connecticut | 1 | $ 287,000 | $ 287,000 | $ 90,000 |
| Sussex County Delaware | 1 | $ 393,000 | $ 393,000 | $ 0 |
| Collier County Florida | 1 | $ 463,000 | $ 463,000 | $ 0 |
| Lee County Florida | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Monroe County Florida | 1 | $ 534,000 | $ 534,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Effingham County Georgia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Blaine County Idaho | 1 | $ 379,000 | $ 379,000 | $ 0 |
| Johnson County Kansas | 1 | $ 492,000 | $ 492,000 | $ 0 |
| York County Maine | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Cecil County Maryland | 1 | $ 174,000 | $ 174,000 | $ 140,000 |
| Frederick County Maryland | 1 | $ 150,000 | $ 150,000 | $ 40,000 |
| Essex County Massachusetts | 1 | $ 559,000 | $ 559,000 | $ 0 |
| Worcester County Massachusetts | 1 | $ 288,000 | $ 288,000 | $ 93,000 |
| Kalamazoo County Michigan | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Kent County Michigan | 1 | $ 464,000 | $ 464,000 | $ 0 |
| Saginaw County Michigan | 1 | $ 426,000 | $ 426,000 | $ 0 |
| Washtenaw County Michigan | 1 | $ 598,000 | $ 598,000 | $ 0 |
| Itasca County Minnesota | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Sherburne County Minnesota | 1 | $ 487,000 | $ 487,000 | $ 0 |
| Jackson County Missouri | 1 | $ 448,000 | $ 448,000 | $ 0 |
| Monmouth County New Jersey | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Morris County New Jersey | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Somerset County New Jersey | 1 | $ 359,000 | $ 359,000 | $ 0 |
| Santa Fe County New Mexico | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Kings County New York | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Monroe County New York | 1 | $ 432,000 | $ 432,000 | $ 0 |
| Nassau County New York | 1 | $ 291,000 | $ 291,000 | $ 0 |
| Putnam County New York | 1 | $ 349,000 | $ 349,000 | $ 0 |
| Avery County North Carolina | 1 | $ 632,000 | $ 632,000 | $ 0 |
| Buncombe County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Macon County North Carolina | 1 | $ 384,000 | $ 384,000 | $ 0 |
| New Hanover County North Carolina | 1 | $ 644,000 | $ 644,000 | $ 0 |
| Union County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Wake County North Carolina | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 326,000 | $ 326,000 | $ 0 |
| Summit County Ohio | 1 | $ 448,000 | $ 448,000 | $ 0 |
| Douglas County Oregon | 1 | $ 129,000 | $ 129,000 | $ 13,000 |
| Josephine County Oregon | 1 | $ 315,000 | $ 315,000 | $ 131,000 |
| Lincoln County Oregon | 1 | $ 225,000 | $ 225,000 | $ 104,000 |
| Yamhill County Oregon | 1 | $ 420,000 | $ 420,000 | $ 116,000 |
| Allegheny County Pennsylvania | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 439,000 | $ 439,000 | $ 0 |
| Philadelphia County Pennsylvania | 1 | $ 608,000 | $ 608,000 | $ 0 |
| Union County South Carolina | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Sevier County Tennessee | 1 | $ 379,000 | $ 379,000 | $ 0 |
| Dallas County Texas | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Chittenden County Vermont | 1 | $ 344,000 | $ 344,000 | $ 0 |
| Augusta County Virginia | 1 | $ 95,000 | $ 95,000 | $ 28,000 |
| Charlottesville County Virginia | 1 | $ 180,000 | $ 180,000 | $ 50,000 |
| Goochland County Virginia | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Hampton County Virginia | 1 | $ 130,000 | $ 130,000 | $ 35,000 |
| James City County Virginia | 1 | $ 89,000 | $ 89,000 | $ 48,000 |
| King George County Virginia | 1 | $ 118,000 | $ 118,000 | $ 83,000 |
| Louisa County Virginia | 1 | $ 145,000 | $ 145,000 | $ 114,000 |
| Northumberland County Virginia | 1 | $ 109,000 | $ 109,000 | $ 72,000 |
| Rockingham County Virginia | 1 | $ 154,000 | $ 154,000 | $ 73,000 |
| Waynesboro County Virginia | 1 | $ 71,000 | $ 71,000 | $ 30,000 |
| Benton County Washington | 1 | $ 117,000 | $ 117,000 | $ 76,000 |
| Island County Washington | 1 | $ 180,000 | $ 180,000 | $ 65,000 |
| Jefferson County Washington | 1 | $ 190,000 | $ 190,000 | $ 77,000 |
| Lewis County Washington | 1 | $ 189,000 | $ 189,000 | $ 96,000 |
| San Juan County Washington | 1 | $ 400,000 | $ 400,000 | $ 113,000 |
| Spokane County Washington | 1 | $ 230,000 | $ 230,000 | $ 106,000 |
| Walla Walla County Washington | 1 | $ 130,000 | $ 130,000 | $ 70,000 |
| Washington County Wisconsin | 1 | $ 383,000 | $ 383,000 | $ 0 |
Mortgage Loan Application Detail Totals for Silvergate Bank in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 2,320 | $699,121,000 | $382,200 | $1,950,000 | $22,233 | $1,230,000 |
| Home Purchase (one-to-four family) | 493 | $140,910,000 | $337,965 | $1,610,000 | $33,862 | $1,080,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 10 | $17,104,000 | $1,424,333 | $4,488,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 1,601 | $458,205,000 | $341,600 | $1,750,000 | $114,100 | $1,230,000 |
| Not applicable | 398 | $173,915,000 | $410,937 | $4,488,000 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 395 | $109,340,000 | $223,375 | $980,000 | $95,750 | $468,000 |
| Asian or Pacific Islander | 188 | $57,480,000 | $254,000 | $1,950,000 | $91,400 | $370,000 |
| Hispanic | 153 | $35,230,000 | $272,375 | $636,000 | $69,000 | $252,000 |
| Black | 41 | $9,019,000 | $211,571 | $650,000 | $82,428 | $216,000 |
| Other | 36 | $9,562,000 | $294,250 | $766,000 | $129,750 | $1,080,000 |
| American Indian or Alaskan Native | 11 | $4,384,000 | $329,500 | $1,500,000 | $60,500 | $147,000 |
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) | 2,823 | $857,135,000 | $358,235 | $4,488,000 | $26,147 | $1,230,000 |
| 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 | 1,443 | $391,820,000 | $251,750 | $1,210,000 | $95,875 | $1,230,000 |
| Application Approved But Not Accepted | 448 | $131,064,000 | $239,375 | $1,238,000 | $92,500 | $849,000 |
| Loan Purchased By The Institution | 398 | $173,915,000 | $410,937 | $4,488,000 | $0 | $0 |
| Application Denied By Financial Institution | 369 | $106,203,000 | $414,000 | $1,950,000 | $84,555 | $706,000 |
| File Closed For Incompleteness | 94 | $33,219,000 | $398,500 | $1,610,000 | $126,666 | $1,080,000 |
| Application Withdrawn By Applicant | 71 | $20,914,000 | $353,571 | $1,750,000 | $162,857 | $432,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 117 | $28,939,000 | $208,500 | $1,950,000 | $82,666 | $434,000 |
| Debt-To-Income Ratio | 87 | $25,130,000 | $262,000 | $1,500,000 | $70,857 | $592,000 |
| Collateral | 45 | $15,301,000 | $506,714 | $1,560,000 | $115,285 | $325,000 |
| Credit Application Incomplete | 42 | $13,863,000 | $284,750 | $967,000 | $140,000 | $639,000 |
| Other | 38 | $11,004,000 | $275,500 | $780,000 | $119,000 | $468,000 |
| Unverifiable Information | 24 | $7,045,000 | $270,400 | $720,000 | $116,200 | $706,000 |
| Employment History | 10 | $3,460,000 | $289,000 | $860,000 | $96,333 | $252,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,308,000 | $193,500 | $650,000 | $125,500 | $246,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Silvergate Bank's 2003 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 Silvergate 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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with aggregated HMDA statistics today.