Silvergate Bank Mortgage Lending & HMDA Data, 2003
In 2003, Silvergate Bank of La Jolla, CA reported 2,823 mortgage applications totaling $857.1 million. The average application was for $303,625, and applicants reported an average income of $93,258. 51% of its applications resulted in an originated loan and 13% were denied. Its largest markets were San Diego, CA (693), Los Angeles-Long Beach, CA (334) and Orange County, CA (168) (applications in parentheses).
| 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 | $303,625 |
| Highest Mortgage Loan Application Amount | $4,488,000 |
| Average Applicant Income | $93,258 |
| Highest Applicant Income | $1,230,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Silvergate Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Diego, California | 693 | $ 199,149,000 | $ 287,372 | $ 114,000 |
| Los Angeles, California | 334 | $ 102,227,000 | $ 306,068 | $ 107,000 |
| Orange, California | 168 | $ 58,894,000 | $ 350,559 | $ 115,000 |
| Santa Clara, California | 155 | $ 63,641,000 | $ 410,587 | $ 116,000 |
| Fairfax, Virginia | 114 | $ 39,768,000 | $ 348,842 | $ 123,000 |
| Montgomery, Maryland | 77 | $ 27,093,000 | $ 351,857 | $ 130,000 |
| Riverside, California | 75 | $ 16,282,000 | $ 217,093 | $ 90,000 |
| King, Washington | 69 | $ 21,110,000 | $ 305,942 | $ 115,000 |
| Sacramento, California | 49 | $ 11,870,000 | $ 242,244 | $ 67,000 |
| Alameda, California | 48 | $ 15,442,000 | $ 321,708 | $ 96,000 |
| San Bernardino, California | 48 | $ 8,609,000 | $ 179,354 | $ 77,000 |
| Contra Costa, California | 47 | $ 15,163,000 | $ 322,617 | $ 95,000 |
| San Mateo, California | 43 | $ 19,294,000 | $ 448,697 | $ 150,000 |
| Cook, Illinois | 42 | $ 13,359,000 | $ 318,071 | $ 0 |
| Ventura, California | 30 | $ 8,858,000 | $ 295,266 | $ 69,000 |
| Hartford, Connecticut | 30 | $ 6,915,000 | $ 230,500 | $ 87,000 |
| Loudoun, Virginia | 26 | $ 9,965,000 | $ 383,269 | $ 115,000 |
| Prince William, Virginia | 26 | $ 6,034,000 | $ 232,076 | $ 89,000 |
| Placer, California | 25 | $ 6,025,000 | $ 241,000 | $ 81,000 |
| San Joaquin, California | 24 | $ 4,482,000 | $ 186,750 | $ 76,000 |
| Marin, California | 23 | $ 9,056,000 | $ 393,739 | $ 155,000 |
| Santa Cruz, California | 22 | $ 7,503,000 | $ 341,045 | $ 216,000 |
| Monterey, California | 21 | $ 8,104,000 | $ 385,904 | $ 120,000 |
| Solano, California | 20 | $ 4,207,000 | $ 210,350 | $ 86,000 |
| Anne Arundel, Maryland | 19 | $ 4,323,000 | $ 227,526 | $ 66,000 |
| Maricopa, Arizona | 18 | $ 6,158,000 | $ 342,111 | $ 33,000 |
| Sonoma, California | 17 | $ 4,955,000 | $ 291,470 | $ 76,000 |
| Oakland, Michigan | 16 | $ 6,946,000 | $ 434,125 | $ 0 |
| San Francisco, California | 15 | $ 8,210,000 | $ 547,333 | $ 206,000 |
| Alexandria, Virginia | 15 | $ 4,005,000 | $ 267,000 | $ 89,000 |
| Snohomish, Washington | 15 | $ 2,248,000 | $ 149,866 | $ 58,000 |
| Arlington, Virginia | 14 | $ 4,890,000 | $ 349,285 | $ 140,000 |
| Fresno, California | 13 | $ 3,067,000 | $ 235,923 | $ 95,000 |
| Fairfield, Connecticut | 13 | $ 4,572,000 | $ 351,692 | $ 116,000 |
| Suffolk, Massachusetts | 11 | $ 3,079,000 | $ 279,909 | $ 27,000 |
| Multnomah, Oregon | 11 | $ 2,676,000 | $ 243,272 | $ 85,000 |
| Prince George's, Maryland | 10 | $ 2,629,000 | $ 262,900 | $ 86,000 |
| El Dorado, California | 9 | $ 2,259,000 | $ 251,000 | $ 78,000 |
| Denver, Colorado | 9 | $ 2,705,000 | $ 300,555 | $ 0 |
| Clackamas, Oregon | 9 | $ 2,668,000 | $ 296,444 | $ 87,000 |
| Chesterfield, Virginia | 9 | $ 1,104,000 | $ 122,666 | $ 49,000 |
| Pierce, Washington | 9 | $ 1,392,000 | $ 154,666 | $ 99,000 |
| Tolland, Connecticut | 8 | $ 1,204,000 | $ 150,500 | $ 61,000 |
| Henrico, Virginia | 8 | $ 1,455,000 | $ 181,875 | $ 51,000 |
| Stanislaus, California | 7 | $ 1,104,000 | $ 157,714 | $ 55,000 |
| Douglas, Colorado | 7 | $ 2,628,000 | $ 375,428 | $ 0 |
| Middlesex, Connecticut | 7 | $ 1,217,000 | $ 173,857 | $ 103,000 |
| Lake, Illinois | 7 | $ 3,098,000 | $ 442,571 | $ 0 |
| Howard, Maryland | 7 | $ 2,001,000 | $ 285,857 | $ 122,000 |
| St. Mary's, Maryland | 7 | $ 1,797,000 | $ 256,714 | $ 103,000 |
| Virginia Beach, Virginia | 7 | $ 1,498,000 | $ 214,000 | $ 53,000 |
| Kern, California | 6 | $ 622,000 | $ 103,666 | $ 83,000 |
| San Luis Obispo, California | 6 | $ 1,658,000 | $ 276,333 | $ 37,000 |
| Santa Barbara, California | 6 | $ 1,917,000 | $ 319,500 | $ 96,000 |
| Richmond City, Virginia | 6 | $ 974,000 | $ 162,333 | $ 46,000 |
| Merced, California | 5 | $ 862,000 | $ 172,400 | $ 78,000 |
| Baltimore, Maryland | 5 | $ 1,268,000 | $ 253,600 | $ 91,000 |
| Jackson, Oregon | 5 | $ 1,044,000 | $ 208,800 | $ 102,000 |
| Washington, Oregon | 5 | $ 1,803,000 | $ 360,600 | $ 109,000 |
| Butte, California | 4 | $ 611,000 | $ 152,750 | $ 59,000 |
| Napa, California | 4 | $ 1,245,000 | $ 311,250 | $ 106,000 |
| Boulder, Colorado | 4 | $ 1,208,000 | $ 302,000 | $ 0 |
| Jefferson, Colorado | 4 | $ 948,000 | $ 237,000 | $ 0 |
| Litchfield, Connecticut | 4 | $ 636,000 | $ 159,000 | $ 75,000 |
| New Haven, Connecticut | 4 | $ 743,000 | $ 185,750 | $ 106,000 |
| Cobb, Georgia | 4 | $ 1,007,000 | $ 251,750 | $ 0 |
| Norfolk, Massachusetts | 4 | $ 1,417,000 | $ 354,250 | $ 0 |
| St. Louis, Missouri | 4 | $ 1,892,000 | $ 473,000 | $ 0 |
| Clark, Nevada | 4 | $ 3,619,000 | $ 904,750 | $ 144,000 |
| Brunswick, North Carolina | 4 | $ 2,259,000 | $ 564,750 | $ 0 |
| Albemarle, Virginia | 4 | $ 748,000 | $ 187,000 | $ 38,000 |
| Fairfax City, Virginia | 4 | $ 913,000 | $ 228,250 | $ 81,000 |
| Stafford, Virginia | 4 | $ 891,000 | $ 222,750 | $ 135,000 |
| Humboldt, California | 3 | $ 470,000 | $ 156,666 | $ 72,000 |
| Nevada, California | 3 | $ 619,000 | $ 206,333 | $ 63,000 |
| Yolo, California | 3 | $ 647,000 | $ 215,666 | $ 77,000 |
| Arapahoe, Colorado | 3 | $ 1,252,000 | $ 417,333 | $ 0 |
| Broward, Florida | 3 | $ 1,127,000 | $ 375,666 | $ 0 |
| Palm Beach, Florida | 3 | $ 1,307,000 | $ 435,666 | $ 0 |
| Carroll, Maryland | 3 | $ 1,238,000 | $ 412,666 | $ 208,000 |
| Barnstable, Massachusetts | 3 | $ 746,000 | $ 248,666 | $ 36,000 |
| Plymouth, Massachusetts | 3 | $ 1,226,000 | $ 408,666 | $ 0 |
| Hennepin, Minnesota | 3 | $ 1,082,000 | $ 360,666 | $ 0 |
| Suffolk, New York | 3 | $ 1,117,000 | $ 372,333 | $ 0 |
| Linn, Oregon | 3 | $ 688,000 | $ 229,333 | $ 88,000 |
| Bedford, Virginia | 3 | $ 446,000 | $ 148,666 | $ 45,000 |
| Fluvanna, Virginia | 3 | $ 521,000 | $ 173,666 | $ 99,000 |
| Gloucester, Virginia | 3 | $ 287,000 | $ 95,666 | $ 50,000 |
| Hanover, Virginia | 3 | $ 422,000 | $ 140,666 | $ 59,000 |
| Manassas, Virginia | 3 | $ 578,000 | $ 192,666 | $ 60,000 |
| Suffolk, Virginia | 3 | $ 780,000 | $ 260,000 | $ 108,000 |
| Kitsap, Washington | 3 | $ 344,000 | $ 114,666 | $ 66,000 |
| Whatcom, Washington | 3 | $ 587,000 | $ 195,666 | $ 79,000 |
| Pima, Arizona | 2 | $ 388,000 | $ 194,000 | $ 83,000 |
| Kings, California | 2 | $ 283,000 | $ 141,500 | $ 90,000 |
| Tulare, California | 2 | $ 260,000 | $ 130,000 | $ 77,000 |
| El Paso, Colorado | 2 | $ 861,000 | $ 430,500 | $ 0 |
| Larimer, Colorado | 2 | $ 614,000 | $ 307,000 | $ 0 |
| District of Columbia, District Of Columbia | 2 | $ 804,000 | $ 402,000 | $ 0 |
| Fulton, Georgia | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Gwinnett, Georgia | 2 | $ 644,000 | $ 322,000 | $ 0 |
| Hall, Georgia | 2 | $ 719,000 | $ 359,500 | $ 0 |
| DuPage, Illinois | 2 | $ 718,000 | $ 359,000 | $ 0 |
| Kane, Illinois | 2 | $ 938,000 | $ 469,000 | $ 0 |
| McHenry, Illinois | 2 | $ 858,000 | $ 429,000 | $ 0 |
| Will, Illinois | 2 | $ 954,000 | $ 477,000 | $ 0 |
| Calvert, Maryland | 2 | $ 616,000 | $ 308,000 | $ 76,000 |
| Charles, Maryland | 2 | $ 383,000 | $ 191,500 | $ 90,000 |
| Harford, Maryland | 2 | $ 269,000 | $ 134,500 | $ 60,000 |
| Middlesex, Massachusetts | 2 | $ 786,000 | $ 393,000 | $ 0 |
| Nantucket, Massachusetts | 2 | $ 768,000 | $ 384,000 | $ 226,000 |
| Wayne, Michigan | 2 | $ 993,000 | $ 496,500 | $ 0 |
| St. Louis City, Missouri | 2 | $ 510,000 | $ 255,000 | $ 0 |
| Franklin, Ohio | 2 | $ 821,000 | $ 410,500 | $ 0 |
| Lane, Oregon | 2 | $ 2,036,000 | $ 1,018,000 | $ 47,000 |
| Harris, Texas | 2 | $ 935,000 | $ 467,500 | $ 0 |
| Tarrant, Texas | 2 | $ 901,000 | $ 450,500 | $ 0 |
| Salt Lake, Utah | 2 | $ 594,000 | $ 297,000 | $ 0 |
| Summit, Utah | 2 | $ 448,000 | $ 224,000 | $ 0 |
| Fauquier, Virginia | 2 | $ 305,000 | $ 152,500 | $ 72,000 |
| Greene, Virginia | 2 | $ 372,000 | $ 186,000 | $ 56,000 |
| Newport News, Virginia | 2 | $ 208,000 | $ 104,000 | $ 36,000 |
| Norfolk, Virginia | 2 | $ 219,000 | $ 109,500 | $ 255,000 |
| Prince George, Virginia | 2 | $ 205,000 | $ 102,500 | $ 60,000 |
| Roanoke City, Virginia | 2 | $ 129,000 | $ 64,500 | $ 114,000 |
| York, Virginia | 2 | $ 448,000 | $ 224,000 | $ 85,000 |
| Clark, Washington | 2 | $ 346,000 | $ 173,000 | $ 101,000 |
| Cowlitz, Washington | 2 | $ 237,000 | $ 118,500 | $ 43,000 |
| Mason, Washington | 2 | $ 250,000 | $ 125,000 | $ 45,000 |
| Waukesha, Wisconsin | 2 | $ 797,000 | $ 398,500 | $ 0 |
| Yuma, Arizona | 1 | $ 56,000 | $ 56,000 | $ 180,000 |
| Calaveras, California | 1 | $ 200,000 | $ 200,000 | $ 37,000 |
| Del Norte, California | 1 | $ 118,000 | $ 118,000 | $ 63,000 |
| Madera, California | 1 | $ 150,000 | $ 150,000 | $ 122,000 |
| Mono, California | 1 | $ 208,000 | $ 208,000 | $ 276,000 |
| San Benito, California | 1 | $ 635,000 | $ 635,000 | $ 220,000 |
| Shasta, California | 1 | $ 200,000 | $ 200,000 | $ 48,000 |
| Siskiyou, California | 1 | $ 108,000 | $ 108,000 | $ 43,000 |
| Yuba, California | 1 | $ 112,000 | $ 112,000 | $ 77,000 |
| Pitkin, Colorado | 1 | $ 699,000 | $ 699,000 | $ 0 |
| New London, Connecticut | 1 | $ 287,000 | $ 287,000 | $ 90,000 |
| Sussex, Delaware | 1 | $ 393,000 | $ 393,000 | $ 0 |
| Collier, Florida | 1 | $ 463,000 | $ 463,000 | $ 0 |
| Lee, Florida | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Monroe, Florida | 1 | $ 534,000 | $ 534,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Effingham, Georgia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Blaine, Idaho | 1 | $ 379,000 | $ 379,000 | $ 0 |
| Johnson, Kansas | 1 | $ 492,000 | $ 492,000 | $ 0 |
| York, Maine | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Cecil, Maryland | 1 | $ 174,000 | $ 174,000 | $ 140,000 |
| Frederick, Maryland | 1 | $ 150,000 | $ 150,000 | $ 40,000 |
| Essex, Massachusetts | 1 | $ 559,000 | $ 559,000 | $ 0 |
| Worcester, Massachusetts | 1 | $ 288,000 | $ 288,000 | $ 93,000 |
| Kalamazoo, Michigan | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Kent, Michigan | 1 | $ 464,000 | $ 464,000 | $ 0 |
| Saginaw, Michigan | 1 | $ 426,000 | $ 426,000 | $ 0 |
| Washtenaw, Michigan | 1 | $ 598,000 | $ 598,000 | $ 0 |
| Itasca, Minnesota | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Sherburne, Minnesota | 1 | $ 487,000 | $ 487,000 | $ 0 |
| Jackson, Missouri | 1 | $ 448,000 | $ 448,000 | $ 0 |
| Monmouth, New Jersey | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Morris, New Jersey | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Somerset, New Jersey | 1 | $ 359,000 | $ 359,000 | $ 0 |
| Santa Fe, New Mexico | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Kings, New York | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Monroe, New York | 1 | $ 432,000 | $ 432,000 | $ 0 |
| Nassau, New York | 1 | $ 291,000 | $ 291,000 | $ 0 |
| Putnam, New York | 1 | $ 349,000 | $ 349,000 | $ 0 |
| Avery, North Carolina | 1 | $ 632,000 | $ 632,000 | $ 0 |
| Buncombe, North Carolina | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Iredell, North Carolina | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Macon, North Carolina | 1 | $ 384,000 | $ 384,000 | $ 0 |
| New Hanover, North Carolina | 1 | $ 644,000 | $ 644,000 | $ 0 |
| Union, North Carolina | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Wake, North Carolina | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 326,000 | $ 326,000 | $ 0 |
| Summit, Ohio | 1 | $ 448,000 | $ 448,000 | $ 0 |
| Douglas, Oregon | 1 | $ 129,000 | $ 129,000 | $ 13,000 |
| Josephine, Oregon | 1 | $ 315,000 | $ 315,000 | $ 131,000 |
| Lincoln, Oregon | 1 | $ 225,000 | $ 225,000 | $ 104,000 |
| Yamhill, Oregon | 1 | $ 420,000 | $ 420,000 | $ 116,000 |
| Allegheny, Pennsylvania | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Chester, Pennsylvania | 1 | $ 439,000 | $ 439,000 | $ 0 |
| Philadelphia, Pennsylvania | 1 | $ 608,000 | $ 608,000 | $ 0 |
| Union, South Carolina | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Sevier, Tennessee | 1 | $ 379,000 | $ 379,000 | $ 0 |
| Dallas, Texas | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Chittenden, Vermont | 1 | $ 344,000 | $ 344,000 | $ 0 |
| Augusta, Virginia | 1 | $ 95,000 | $ 95,000 | $ 28,000 |
| Charlottesville, Virginia | 1 | $ 180,000 | $ 180,000 | $ 50,000 |
| Goochland, Virginia | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Hampton, Virginia | 1 | $ 130,000 | $ 130,000 | $ 35,000 |
| James City, Virginia | 1 | $ 89,000 | $ 89,000 | $ 48,000 |
| King George, Virginia | 1 | $ 118,000 | $ 118,000 | $ 83,000 |
| Louisa, Virginia | 1 | $ 145,000 | $ 145,000 | $ 114,000 |
| Northumberland, Virginia | 1 | $ 109,000 | $ 109,000 | $ 72,000 |
| Rockingham, Virginia | 1 | $ 154,000 | $ 154,000 | $ 73,000 |
| Waynesboro, Virginia | 1 | $ 71,000 | $ 71,000 | $ 30,000 |
| Benton, Washington | 1 | $ 117,000 | $ 117,000 | $ 76,000 |
| Island, Washington | 1 | $ 180,000 | $ 180,000 | $ 65,000 |
| Jefferson, Washington | 1 | $ 190,000 | $ 190,000 | $ 77,000 |
| Lewis, Washington | 1 | $ 189,000 | $ 189,000 | $ 96,000 |
| San Juan, Washington | 1 | $ 400,000 | $ 400,000 | $ 113,000 |
| Spokane, Washington | 1 | $ 230,000 | $ 230,000 | $ 106,000 |
| Walla Walla, Washington | 1 | $ 130,000 | $ 130,000 | $ 70,000 |
| Washington, 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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