Silvergate Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Silvergate Bank 2004 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 | 2,506 |
| Total Mortgage Loan Application Amount | $679,262,000 |
| Average Mortgage Loan Application Amount | $202,885 |
| Highest Mortgage Loan Application Amount | $4,700,000 |
| Average Applicant Income | $53,409 |
| Highest Applicant Income | $2,508,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 453 | $ 146,623,000 | $ 323,000 | $ 107,000 |
| Los Angeles County California | 210 | $ 69,267,000 | $ 329,000 | $ 111,000 |
| Orange County California | 100 | $ 36,329,000 | $ 363,000 | $ 136,000 |
| Santa Clara County California | 93 | $ 34,702,000 | $ 373,000 | $ 149,000 |
| Riverside County California | 74 | $ 16,777,000 | $ 226,000 | $ 73,000 |
| Anne Arundel County Maryland | 72 | $ 15,328,000 | $ 212,000 | $ 75,000 |
| Montgomery County Maryland | 66 | $ 22,498,000 | $ 340,000 | $ 122,000 |
| Queen Anne's County Maryland | 65 | $ 11,856,000 | $ 182,000 | $ 68,000 |
| Fairfax County Virginia | 58 | $ 18,544,000 | $ 319,000 | $ 96,000 |
| King County Washington | 52 | $ 15,959,000 | $ 306,000 | $ 153,000 |
| Somerset County New Jersey | 51 | $ 7,831,000 | $ 153,000 | $ 0 |
| Contra Costa County California | 43 | $ 12,314,000 | $ 286,000 | $ 104,000 |
| Sacramento County California | 42 | $ 8,660,000 | $ 206,000 | $ 77,000 |
| San Bernardino County California | 42 | $ 8,560,000 | $ 203,000 | $ 87,000 |
| Alameda County California | 38 | $ 10,980,000 | $ 288,000 | $ 116,000 |
| Hunterdon County New Jersey | 38 | $ 5,715,000 | $ 150,000 | $ 0 |
| Ventura County California | 29 | $ 8,968,000 | $ 309,000 | $ 84,000 |
| Baltimore County Maryland | 28 | $ 4,817,000 | $ 172,000 | $ 88,000 |
| Snohomish County Washington | 23 | $ 4,211,000 | $ 183,000 | $ 76,000 |
| Solano County California | 22 | $ 4,265,000 | $ 193,000 | $ 87,000 |
| Prince William County Virginia | 22 | $ 4,738,000 | $ 215,000 | $ 103,000 |
| Loudoun County Virginia | 19 | $ 6,513,000 | $ 342,000 | $ 92,000 |
| Monterey County California | 18 | $ 6,713,000 | $ 372,000 | $ 109,000 |
| Fairfield County Connecticut | 18 | $ 8,298,000 | $ 461,000 | $ 152,000 |
| Middlesex County Massachusetts | 18 | $ 6,340,000 | $ 352,000 | $ 135,000 |
| Warren County New Jersey | 18 | $ 2,078,000 | $ 115,000 | $ 0 |
| Chesterfield County Virginia | 18 | $ 2,911,000 | $ 161,000 | $ 92,000 |
| Hanover County Virginia | 18 | $ 2,857,000 | $ 158,000 | $ 102,000 |
| San Mateo County California | 17 | $ 6,720,000 | $ 395,000 | $ 144,000 |
| Union County New Jersey | 17 | $ 2,822,000 | $ 166,000 | $ 0 |
| Kern County California | 16 | $ 2,022,000 | $ 126,000 | $ 60,000 |
| Caroline County Maryland | 16 | $ 1,796,000 | $ 112,000 | $ 52,000 |
| Maricopa County Arizona | 15 | $ 6,358,000 | $ 423,000 | $ 224,000 |
| Worcester County Massachusetts | 14 | $ 1,772,000 | $ 126,000 | $ 51,000 |
| Middlesex County New Jersey | 14 | $ 1,986,000 | $ 141,000 | $ 0 |
| Northampton County Pennsylvania | 14 | $ 1,527,000 | $ 109,000 | $ 0 |
| El Dorado County California | 13 | $ 2,543,000 | $ 195,000 | $ 57,000 |
| Prince George's County Maryland | 13 | $ 4,022,000 | $ 309,000 | $ 84,000 |
| Henrico County Virginia | 13 | $ 1,894,000 | $ 145,000 | $ 61,000 |
| San Francisco County California | 12 | $ 5,541,000 | $ 461,000 | $ 160,000 |
| Hartford County Connecticut | 12 | $ 2,057,000 | $ 171,000 | $ 77,000 |
| Marin County California | 11 | $ 6,129,000 | $ 557,000 | $ 195,000 |
| Orange County Florida | 11 | $ 1,293,000 | $ 117,000 | $ 79,000 |
| Placer County California | 10 | $ 1,548,000 | $ 154,000 | $ 61,000 |
| Howard County Maryland | 10 | $ 2,800,000 | $ 280,000 | $ 220,000 |
| Norfolk County Massachusetts | 10 | $ 5,261,000 | $ 526,000 | $ 123,000 |
| Arlington County Virginia | 10 | $ 3,624,000 | $ 362,000 | $ 160,000 |
| Pierce County Washington | 10 | $ 1,966,000 | $ 196,000 | $ 118,000 |
| Fresno County California | 9 | $ 1,303,000 | $ 144,000 | $ 42,000 |
| Sonoma County California | 9 | $ 2,081,000 | $ 231,000 | $ 64,000 |
| Clark County Nevada | 9 | $ 2,656,000 | $ 295,000 | $ 119,000 |
| Multnomah County Oregon | 8 | $ 2,072,000 | $ 259,000 | $ 120,000 |
| Napa County California | 7 | $ 1,920,000 | $ 274,000 | $ 50,000 |
| San Joaquin County California | 7 | $ 1,152,000 | $ 164,000 | $ 71,000 |
| Manatee County Florida | 7 | $ 693,000 | $ 99,000 | $ 77,000 |
| Charles County Maryland | 7 | $ 1,326,000 | $ 189,000 | $ 87,000 |
| Harford County Maryland | 7 | $ 1,335,000 | $ 190,000 | $ 86,000 |
| Santa Cruz County California | 6 | $ 2,013,000 | $ 335,000 | $ 133,000 |
| Broward County Florida | 6 | $ 978,000 | $ 163,000 | $ 54,000 |
| Mercer County New Jersey | 6 | $ 896,000 | $ 149,000 | $ 0 |
| Monmouth County New Jersey | 6 | $ 895,000 | $ 149,000 | $ 0 |
| Morris County New Jersey | 6 | $ 1,240,000 | $ 206,000 | $ 0 |
| Ocean County New Jersey | 6 | $ 617,000 | $ 102,000 | $ 0 |
| Kitsap County Washington | 6 | $ 1,064,000 | $ 177,000 | $ 69,000 |
| Santa Barbara County California | 5 | $ 2,621,000 | $ 524,000 | $ 133,000 |
| New Haven County Connecticut | 5 | $ 509,000 | $ 101,000 | $ 73,000 |
| Essex County Massachusetts | 5 | $ 1,766,000 | $ 353,000 | $ 107,000 |
| Hampden County Massachusetts | 5 | $ 680,000 | $ 136,000 | $ 58,000 |
| Bucks County Pennsylvania | 5 | $ 1,557,000 | $ 311,000 | $ 274,000 |
| Harris County Texas | 5 | $ 680,000 | $ 136,000 | $ 54,000 |
| San Luis Obispo County California | 4 | $ 1,679,000 | $ 419,000 | $ 197,000 |
| Sutter County California | 4 | $ 813,000 | $ 203,000 | $ 153,000 |
| Yolo County California | 4 | $ 987,000 | $ 246,000 | $ 77,000 |
| Miami-Dade County Florida | 4 | $ 827,000 | $ 206,000 | $ 72,000 |
| Cook County Illinois | 4 | $ 342,000 | $ 85,000 | $ 0 |
| Baltimore City County Maryland | 4 | $ 701,000 | $ 175,000 | $ 52,000 |
| Calvert County Maryland | 4 | $ 761,000 | $ 190,000 | $ 85,000 |
| Frederick County Maryland | 4 | $ 930,000 | $ 232,000 | $ 92,000 |
| St. Mary's County Maryland | 4 | $ 835,000 | $ 208,000 | $ 68,000 |
| Talbot County Maryland | 4 | $ 874,000 | $ 218,000 | $ 43,000 |
| Worcester County Maryland | 4 | $ 894,000 | $ 223,000 | $ 94,000 |
| Barnstable County Massachusetts | 4 | $ 1,136,000 | $ 284,000 | $ 176,000 |
| Plymouth County Massachusetts | 4 | $ 1,105,000 | $ 276,000 | $ 75,000 |
| Nassau County New York | 4 | $ 938,000 | $ 234,000 | $ 0 |
| New York County New York | 4 | $ 2,170,000 | $ 542,000 | $ 0 |
| Westchester County New York | 4 | $ 1,196,000 | $ 299,000 | $ 0 |
| Washington County Oregon | 4 | $ 449,000 | $ 112,000 | $ 46,000 |
| Delaware County Pennsylvania | 4 | $ 824,000 | $ 206,000 | $ 72,000 |
| Alexandria County Virginia | 4 | $ 936,000 | $ 234,000 | $ 77,000 |
| Newport News County Virginia | 4 | $ 377,000 | $ 94,000 | $ 57,000 |
| Stanislaus County California | 3 | $ 808,000 | $ 269,000 | $ 97,000 |
| Tulare County California | 3 | $ 532,000 | $ 177,000 | $ 119,000 |
| Yuba County California | 3 | $ 560,000 | $ 186,000 | $ 79,000 |
| Middlesex County Connecticut | 3 | $ 686,000 | $ 228,000 | $ 83,000 |
| Hillsborough County Florida | 3 | $ 227,000 | $ 75,000 | $ 88,000 |
| Osceola County Florida | 3 | $ 978,000 | $ 326,000 | $ 103,000 |
| Sarasota County Florida | 3 | $ 422,000 | $ 140,000 | $ 124,000 |
| Seminole County Florida | 3 | $ 292,000 | $ 97,000 | $ 30,000 |
| Lake County Illinois | 3 | $ 1,240,000 | $ 413,000 | $ 0 |
| Carroll County Maryland | 3 | $ 911,000 | $ 303,000 | $ 86,000 |
| Kent County Maryland | 3 | $ 651,000 | $ 217,000 | $ 144,000 |
| Nantucket County Massachusetts | 3 | $ 3,425,000 | $ 1,141,000 | $ 165,000 |
| Washoe County Nevada | 3 | $ 683,000 | $ 227,000 | $ 117,000 |
| Hillsborough County New Hampshire | 3 | $ 732,000 | $ 244,000 | $ 0 |
| Essex County New Jersey | 3 | $ 789,000 | $ 263,000 | $ 0 |
| Suffolk County New York | 3 | $ 1,047,000 | $ 349,000 | $ 0 |
| Dare County North Carolina | 3 | $ 513,000 | $ 171,000 | $ 140,000 |
| Cuyahoga County Ohio | 3 | $ 219,000 | $ 73,000 | $ 12,000 |
| Bedford County Virginia | 3 | $ 605,000 | $ 201,000 | $ 86,000 |
| James City County Virginia | 3 | $ 990,000 | $ 330,000 | $ 97,000 |
| Manassas County Virginia | 3 | $ 631,000 | $ 210,000 | $ 89,000 |
| Richmond City County Virginia | 3 | $ 376,000 | $ 125,000 | $ 48,000 |
| Spotsylvania County Virginia | 3 | $ 492,000 | $ 164,000 | $ 78,000 |
| Island County Washington | 3 | $ 470,000 | $ 156,000 | $ 86,000 |
| Butte County California | 2 | $ 160,000 | $ 80,000 | $ 106,000 |
| Del Norte County California | 2 | $ 355,000 | $ 177,000 | $ 142,000 |
| Imperial County California | 2 | $ 250,000 | $ 125,000 | $ 103,000 |
| Madera County California | 2 | $ 294,000 | $ 147,000 | $ 120,000 |
| Mono County California | 2 | $ 670,000 | $ 335,000 | $ 119,000 |
| Litchfield County Connecticut | 2 | $ 339,000 | $ 169,000 | $ 86,000 |
| Hernando County Florida | 2 | $ 154,000 | $ 77,000 | $ 71,000 |
| Lake County Florida | 2 | $ 198,000 | $ 99,000 | $ 81,000 |
| Palm Beach County Florida | 2 | $ 237,000 | $ 118,000 | $ 0 |
| Fulton County Georgia | 2 | $ 397,000 | $ 198,000 | $ 0 |
| Gwinnett County Georgia | 2 | $ 377,000 | $ 188,000 | $ 0 |
| Tippecanoe County Indiana | 2 | $ 172,000 | $ 86,000 | $ 0 |
| Dorchester County Maryland | 2 | $ 416,000 | $ 208,000 | $ 59,000 |
| Suffolk County Massachusetts | 2 | $ 1,654,000 | $ 827,000 | $ 65,000 |
| Oakland County Michigan | 2 | $ 666,000 | $ 333,000 | $ 0 |
| Sussex County New Jersey | 2 | $ 155,000 | $ 77,000 | $ 0 |
| Bernalillo County New Mexico | 2 | $ 211,000 | $ 105,000 | $ 0 |
| Kings County New York | 2 | $ 225,000 | $ 112,000 | $ 0 |
| Wake County North Carolina | 2 | $ 285,000 | $ 142,000 | $ 48,000 |
| Clackamas County Oregon | 2 | $ 505,000 | $ 252,000 | $ 110,000 |
| Jackson County Oregon | 2 | $ 618,000 | $ 309,000 | $ 111,000 |
| Lehigh County Pennsylvania | 2 | $ 386,000 | $ 193,000 | $ 51,000 |
| Montgomery County Pennsylvania | 2 | $ 213,000 | $ 106,000 | $ 22,000 |
| York County Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 51,000 |
| Dallas County Texas | 2 | $ 91,000 | $ 45,000 | $ 0 |
| Albemarle County Virginia | 2 | $ 751,000 | $ 375,000 | $ 163,000 |
| Amelia County Virginia | 2 | $ 320,000 | $ 160,000 | $ 57,000 |
| Fairfax City County Virginia | 2 | $ 548,000 | $ 274,000 | $ 102,000 |
| Falls Church County Virginia | 2 | $ 443,000 | $ 221,000 | $ 179,000 |
| Fredericksburg County Virginia | 2 | $ 410,000 | $ 205,000 | $ 106,000 |
| Gloucester County Virginia | 2 | $ 1,148,000 | $ 574,000 | $ 74,000 |
| King William County Virginia | 2 | $ 146,000 | $ 73,000 | $ 46,000 |
| Stafford County Virginia | 2 | $ 400,000 | $ 200,000 | $ 78,000 |
| Shelby County Alabama | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Matanuska-Susitna County Alaska | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Coconino County Arizona | 1 | $ 29,000 | $ 29,000 | $ 50,000 |
| Lake County California | 1 | $ 206,000 | $ 206,000 | $ 243,000 |
| Lassen County California | 1 | $ 176,000 | $ 176,000 | $ 60,000 |
| Mariposa County California | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Mendocino County California | 1 | $ 286,000 | $ 286,000 | $ 84,000 |
| Merced County California | 1 | $ 130,000 | $ 130,000 | $ 50,000 |
| Plumas County California | 1 | $ 263,000 | $ 263,000 | $ 54,000 |
| San Benito County California | 1 | $ 293,000 | $ 293,000 | $ 54,000 |
| Shasta County California | 1 | $ 368,000 | $ 368,000 | $ 141,000 |
| Routt County Colorado | 1 | $ 203,000 | $ 203,000 | $ 161,000 |
| Summit County Colorado | 1 | $ 39,000 | $ 39,000 | $ 0 |
| New London County Connecticut | 1 | $ 252,000 | $ 252,000 | $ 129,000 |
| Tolland County Connecticut | 1 | $ 159,000 | $ 159,000 | $ 117,000 |
| Windham County Connecticut | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Brevard County Florida | 1 | $ 271,000 | $ 271,000 | $ 94,000 |
| Duval County Florida | 1 | $ 341,000 | $ 341,000 | $ 0 |
| Forsyth County Georgia | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Meriwether County Georgia | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Maui County Hawaii | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Dearborn County Indiana | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Elkhart County Indiana | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Marion County Indiana | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Bristol County Massachusetts | 1 | $ 140,000 | $ 140,000 | $ 101,000 |
| Hampshire County Massachusetts | 1 | $ 112,000 | $ 112,000 | $ 56,000 |
| Wayne County Michigan | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Hennepin County Minnesota | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Monroe County Mississippi | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Cass County Missouri | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Lyon County Nevada | 1 | $ 154,000 | $ 154,000 | $ 123,000 |
| Rockingham County New Hampshire | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Bergen County New Jersey | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Burlington County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Camden County New Jersey | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Cape May County New Jersey | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Hudson County New Jersey | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Bronx County New York | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Erie County New York | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Putnam County New York | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Queens County New York | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Saratoga County New York | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Bertie County North Carolina | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Bladen County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Johnston County North Carolina | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 129,000 | $ 129,000 | $ 55,000 |
| Vance County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 400,000 | $ 400,000 | $ 300,000 |
| Cleveland County Oklahoma | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Stephens County Oklahoma | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Crook County Oregon | 1 | $ 334,000 | $ 334,000 | $ 190,000 |
| Deschutes County Oregon | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Bedford County Pennsylvania | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Washington County Rhode Island | 1 | $ 426,000 | $ 426,000 | $ 0 |
| Anderson County South Carolina | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Greenville County South Carolina | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Brazos County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lubbock County Texas | 1 | $ 118,000 | $ 118,000 | $ 94,000 |
| Polk County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Box Elder County Utah | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Salt Lake County Utah | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Summit County Utah | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Utah County Utah | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Augusta County Virginia | 1 | $ 203,000 | $ 203,000 | $ 48,000 |
| Chesapeake County Virginia | 1 | $ 130,000 | $ 130,000 | $ 59,000 |
| Clarke County Virginia | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Colonial Heights County Virginia | 1 | $ 135,000 | $ 135,000 | $ 34,000 |
| Culpeper County Virginia | 1 | $ 287,000 | $ 287,000 | $ 104,000 |
| Dinwiddie County Virginia | 1 | $ 142,000 | $ 142,000 | $ 84,000 |
| Fauquier County Virginia | 1 | $ 372,000 | $ 372,000 | $ 148,000 |
| Frederick County Virginia | 1 | $ 266,000 | $ 266,000 | $ 107,000 |
| Hampton County Virginia | 1 | $ 151,000 | $ 151,000 | $ 388,000 |
| Henry County Virginia | 1 | $ 90,000 | $ 90,000 | $ 21,000 |
| Highland County Virginia | 1 | $ 200,000 | $ 200,000 | $ 172,000 |
| Nelson County Virginia | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| New Kent County Virginia | 1 | $ 144,000 | $ 144,000 | $ 160,000 |
| Norfolk County Virginia | 1 | $ 650,000 | $ 650,000 | $ 100,000 |
| Northumberland County Virginia | 1 | $ 268,000 | $ 268,000 | $ 94,000 |
| Orange County Virginia | 1 | $ 400,000 | $ 400,000 | $ 162,000 |
| Powhatan County Virginia | 1 | $ 96,000 | $ 96,000 | $ 29,000 |
| Roanoke City County Virginia | 1 | $ 40,000 | $ 40,000 | $ 64,000 |
| Shenandoah County Virginia | 1 | $ 77,000 | $ 77,000 | $ 38,000 |
| Warren County Virginia | 1 | $ 227,000 | $ 227,000 | $ 104,000 |
| York County Virginia | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Adams County Washington | 1 | $ 256,000 | $ 256,000 | $ 72,000 |
| Chelan County Washington | 1 | $ 10,000 | $ 10,000 | $ 42,000 |
| Clark County Washington | 1 | $ 160,000 | $ 160,000 | $ 81,000 |
| Skagit County Washington | 1 | $ 546,000 | $ 546,000 | $ 180,000 |
| Yakima County Washington | 1 | $ 107,000 | $ 107,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Silvergate Bank in 2004
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 | 1,398 | $398,092,000 | $204,000 | $4,000,000 | $42,517 | $1,176,000 |
| Home Purchase | 1,037 | $262,444,000 | $200,750 | $4,700,000 | $59,892 | $2,508,000 |
| Home Improvement | 71 | $18,726,000 | $209,750 | $571,000 | $87,000 | $227,000 |
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 |
|---|---|---|---|---|---|---|
| White | 1,352 | $384,182,000 | $258,750 | $4,000,000 | $135,312 | $2,508,000 |
| Not applicable | 382 | $65,474,000 | $195,562 | $1,200,000 | $125 | $74,000 |
| Not Provided | 301 | $98,471,000 | $277,400 | $4,700,000 | $130,000 | $1,093,000 |
| Hispanic | 196 | $51,522,000 | $268,571 | $1,949,000 | $91,142 | $659,000 |
| Asian | 180 | $56,153,000 | $249,100 | $2,275,000 | $92,100 | $717,000 |
| Black or African American | 84 | $20,182,000 | $182,777 | $975,000 | $81,000 | $1,800,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $2,431,000 | $297,000 | $572,000 | $85,800 | $159,000 |
| American Indian or Alaskan Native | 2 | $847,000 | $423,000 | $650,000 | $122,000 | $179,000 |
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) | 2,493 | $677,506,000 | $200,676 | $4,700,000 | $46,558 | $2,508,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,356,000 | $96,250 | $194,000 | $13,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 2 | $400,000 | $200,000 | $216,000 | $21,000 | $42,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,308 | $355,115,000 | $224,000 | $4,700,000 | $113,250 | $1,800,000 |
| Loan Purchased By The Institution | 379 | $64,155,000 | $195,187 | $1,190,000 | $0 | $0 |
| Application Denied By Financial Institution | 352 | $108,168,000 | $244,000 | $4,000,000 | $118,916 | $1,080,000 |
| Application Approved But Not Accepted | 338 | $115,142,000 | $371,181 | $1,600,000 | $159,727 | $2,508,000 |
| File Closed For Incompleteness | 74 | $20,932,000 | $252,636 | $1,600,000 | $93,454 | $562,000 |
| Application Withdrawn By Applicant | 55 | $15,750,000 | $303,777 | $1,299,000 | $161,222 | $924,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 127 | $36,977,000 | $206,166 | $2,275,000 | $90,166 | $748,000 |
| Debt-To-Income Ratio | 72 | $21,731,000 | $270,625 | $1,463,000 | $76,375 | $470,000 |
| Unverifiable Information | 49 | $18,262,000 | $989,500 | $3,055,000 | $348,666 | $1,080,000 |
| Collateral | 37 | $9,149,000 | $178,375 | $908,000 | $186,125 | $900,000 |
| Other | 25 | $6,040,000 | $119,250 | $975,000 | $71,250 | $235,000 |
| Employment History | 21 | $5,364,000 | $160,750 | $880,000 | $113,500 | $654,000 |
| Credit Application Incomplete | 18 | $6,118,000 | $296,500 | $907,000 | $109,833 | $346,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $4,527,000 | $1,509,000 | $4,000,000 | $62,000 | $144,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Silvergate Bank's 2004 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.