Silvergate Bank Mortgage Lending & HMDA Data, 2005
In 2005, Silvergate Bank of La Jolla, CA reported 1,184 mortgage applications totaling $304.3 million, down 53% from 2004. The average application was for $257,000, and applicants reported an average income of $76,809. 43% of its applications resulted in an originated loan and 13% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (182), Riverside-San Bernardino-Ontario, CA (65) and Los Angeles-Long Beach-Glendale, CA (61) (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 | 1,184 |
| Total Mortgage Loan Application Amount | $304,288,000 |
| Average Mortgage Loan Application Amount | $257,000 |
| Highest Mortgage Loan Application Amount | $5,420,000 |
| Average Applicant Income | $76,809 |
| Highest Applicant Income | $2,206,000 |
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Act (HMDA) records Silvergate Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 182 | $ 58,483,000 | $ 321,335 | $ 106,000 |
| Los Angeles, California | 61 | $ 17,305,000 | $ 283,688 | $ 122,000 |
| Riverside, California | 45 | $ 15,809,000 | $ 351,311 | $ 102,000 |
| Orange, California | 30 | $ 14,327,000 | $ 477,566 | $ 136,000 |
| Sacramento, California | 28 | $ 5,835,000 | $ 208,392 | $ 101,000 |
| Santa Clara, California | 27 | $ 9,423,000 | $ 349,000 | $ 52,000 |
| Orange, Florida | 27 | $ 3,191,000 | $ 118,185 | $ 71,000 |
| San Bernardino, California | 20 | $ 4,168,000 | $ 208,400 | $ 85,000 |
| Anne Arundel, Maryland | 20 | $ 4,198,000 | $ 209,900 | $ 51,000 |
| Alameda, California | 18 | $ 5,395,000 | $ 299,722 | $ 77,000 |
| Fairfax, Virginia | 18 | $ 5,760,000 | $ 320,000 | $ 93,000 |
| Contra Costa, California | 16 | $ 5,361,000 | $ 335,062 | $ 87,000 |
| Prince William, Virginia | 16 | $ 3,659,000 | $ 228,687 | $ 68,000 |
| Seminole, Florida | 15 | $ 1,870,000 | $ 124,666 | $ 67,000 |
| Harris, Texas | 15 | $ 7,503,000 | $ 500,200 | $ 29,000 |
| Baltimore, Maryland | 13 | $ 2,052,000 | $ 157,846 | $ 44,000 |
| Butte, California | 12 | $ 2,547,000 | $ 212,250 | $ 99,000 |
| Hillsborough, Florida | 12 | $ 1,371,000 | $ 114,250 | $ 67,000 |
| Montgomery, Maryland | 12 | $ 3,662,000 | $ 305,166 | $ 100,000 |
| Maricopa, Arizona | 11 | $ 1,580,000 | $ 143,636 | $ 96,000 |
| San Joaquin, California | 11 | $ 2,773,000 | $ 252,090 | $ 120,000 |
| Dallas, Texas | 11 | $ 3,498,000 | $ 318,000 | $ 61,000 |
| Henrico, Virginia | 11 | $ 1,541,000 | $ 140,090 | $ 61,000 |
| Snohomish, Washington | 11 | $ 2,325,000 | $ 211,363 | $ 55,000 |
| Solano, California | 9 | $ 2,180,000 | $ 242,222 | $ 141,000 |
| Manatee, Florida | 9 | $ 638,000 | $ 70,888 | $ 92,000 |
| Cook, Illinois | 9 | $ 565,000 | $ 62,777 | $ 0 |
| Prince George's, Maryland | 9 | $ 1,405,000 | $ 156,111 | $ 90,000 |
| Hanover, Virginia | 9 | $ 1,335,000 | $ 148,333 | $ 60,000 |
| King, Washington | 9 | $ 3,425,000 | $ 380,555 | $ 30,000 |
| Bexar, Texas | 8 | $ 486,000 | $ 60,750 | $ 0 |
| Monterey, California | 7 | $ 3,031,000 | $ 433,000 | $ 66,000 |
| San Francisco, California | 7 | $ 3,388,000 | $ 484,000 | $ 115,000 |
| Stanislaus, California | 7 | $ 1,691,000 | $ 241,571 | $ 105,000 |
| Tulare, California | 7 | $ 741,000 | $ 105,857 | $ 151,000 |
| Broward, Florida | 7 | $ 915,000 | $ 130,714 | $ 82,000 |
| Osceola, Florida | 7 | $ 728,000 | $ 104,000 | $ 102,000 |
| Worcester, Massachusetts | 7 | $ 1,329,000 | $ 189,857 | $ 58,000 |
| Tarrant, Texas | 7 | $ 5,257,000 | $ 751,000 | $ 0 |
| Loudoun, Virginia | 7 | $ 1,856,000 | $ 265,142 | $ 89,000 |
| Kern, California | 6 | $ 1,210,000 | $ 201,666 | $ 65,000 |
| Miami-Dade, Florida | 6 | $ 1,479,000 | $ 246,500 | $ 89,000 |
| Fulton, Georgia | 6 | $ 1,249,000 | $ 208,166 | $ 0 |
| Clark, Nevada | 6 | $ 1,116,000 | $ 186,000 | $ 51,000 |
| Richmond City, Virginia | 6 | $ 1,009,000 | $ 168,166 | $ 94,000 |
| Fresno, California | 5 | $ 1,373,000 | $ 274,600 | $ 70,000 |
| District of Columbia, District Of Columbia | 5 | $ 1,878,000 | $ 375,600 | $ 55,000 |
| Multnomah, Oregon | 5 | $ 1,135,000 | $ 227,000 | $ 112,000 |
| Arlington, Virginia | 5 | $ 1,116,000 | $ 223,200 | $ 96,000 |
| Pierce, Washington | 5 | $ 746,000 | $ 149,200 | $ 27,000 |
| El Dorado, California | 4 | $ 1,431,000 | $ 357,750 | $ 23,000 |
| Sonoma, California | 4 | $ 1,106,000 | $ 276,500 | $ 44,000 |
| Fairfield, Connecticut | 4 | $ 1,209,000 | $ 302,250 | $ 57,000 |
| Wayne, Michigan | 4 | $ 222,000 | $ 55,500 | $ 0 |
| Salt Lake, Utah | 4 | $ 1,164,000 | $ 291,000 | $ 0 |
| Newport News, Virginia | 4 | $ 305,000 | $ 76,250 | $ 45,000 |
| Marin, California | 3 | $ 982,000 | $ 327,333 | $ 116,000 |
| San Luis Obispo, California | 3 | $ 615,000 | $ 205,000 | $ 28,000 |
| San Mateo, California | 3 | $ 1,257,000 | $ 419,000 | $ 0 |
| Santa Barbara, California | 3 | $ 1,099,000 | $ 366,333 | $ 47,000 |
| Santa Cruz, California | 3 | $ 1,459,000 | $ 486,333 | $ 85,000 |
| Lake, Florida | 3 | $ 387,000 | $ 129,000 | $ 20,000 |
| Palm Beach, Florida | 3 | $ 638,000 | $ 212,666 | $ 0 |
| Volusia, Florida | 3 | $ 180,000 | $ 60,000 | $ 57,000 |
| Gwinnett, Georgia | 3 | $ 506,000 | $ 168,666 | $ 0 |
| Calvert, Maryland | 3 | $ 667,000 | $ 222,333 | $ 44,000 |
| Frederick, Maryland | 3 | $ 799,000 | $ 266,333 | $ 63,000 |
| Howard, Maryland | 3 | $ 1,087,000 | $ 362,333 | $ 105,000 |
| Norfolk, Massachusetts | 3 | $ 419,000 | $ 139,666 | $ 25,000 |
| Hennepin, Minnesota | 3 | $ 1,708,000 | $ 569,333 | $ 0 |
| Dare, North Carolina | 3 | $ 679,000 | $ 226,333 | $ 60,000 |
| Cuyahoga, Ohio | 3 | $ 739,000 | $ 246,333 | $ 53,000 |
| Berks, Pennsylvania | 3 | $ 235,000 | $ 78,333 | $ 22,000 |
| King William, Virginia | 3 | $ 316,000 | $ 105,333 | $ 56,000 |
| Virginia Beach, Virginia | 3 | $ 247,000 | $ 82,333 | $ 45,000 |
| Clallam, Washington | 3 | $ 254,000 | $ 84,666 | $ 65,000 |
| Spokane, Washington | 3 | $ 484,000 | $ 161,333 | $ 24,000 |
| Baldwin, Alabama | 2 | $ 131,000 | $ 65,500 | $ 0 |
| Pima, Arizona | 2 | $ 616,000 | $ 308,000 | $ 0 |
| Napa, California | 2 | $ 597,000 | $ 298,500 | $ 0 |
| Placer, California | 2 | $ 648,000 | $ 324,000 | $ 64,000 |
| Sutter, California | 2 | $ 544,000 | $ 272,000 | $ 93,000 |
| Ventura, California | 2 | $ 435,000 | $ 217,500 | $ 32,000 |
| Pueblo, Colorado | 2 | $ 112,000 | $ 56,000 | $ 30,000 |
| Lee, Florida | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Pasco, Florida | 2 | $ 320,000 | $ 160,000 | $ 115,000 |
| Polk, Florida | 2 | $ 338,000 | $ 169,000 | $ 40,000 |
| Cobb, Georgia | 2 | $ 592,000 | $ 296,000 | $ 0 |
| Canyon, Idaho | 2 | $ 105,000 | $ 52,500 | $ 0 |
| Lake, Illinois | 2 | $ 661,000 | $ 330,500 | $ 0 |
| Marion, Indiana | 2 | $ 156,000 | $ 78,000 | $ 0 |
| St. Joseph, Indiana | 2 | $ 108,000 | $ 54,000 | $ 0 |
| Baltimore City, Maryland | 2 | $ 342,000 | $ 171,000 | $ 68,000 |
| Charles, Maryland | 2 | $ 689,000 | $ 344,500 | $ 163,000 |
| Worcester, Maryland | 2 | $ 494,000 | $ 247,000 | $ 150,000 |
| Essex, Massachusetts | 2 | $ 434,000 | $ 217,000 | $ 0 |
| Middlesex, Massachusetts | 2 | $ 408,000 | $ 204,000 | $ 0 |
| Oakland, Michigan | 2 | $ 402,000 | $ 201,000 | $ 0 |
| St. Louis City, Missouri | 2 | $ 71,000 | $ 35,500 | $ 0 |
| Forsyth, North Carolina | 2 | $ 503,000 | $ 251,500 | $ 102,000 |
| Franklin, Ohio | 2 | $ 111,000 | $ 55,500 | $ 0 |
| Lake, Ohio | 2 | $ 231,000 | $ 115,500 | $ 51,000 |
| Montgomery, Ohio | 2 | $ 98,000 | $ 49,000 | $ 0 |
| Washington, Oregon | 2 | $ 990,000 | $ 495,000 | $ 18,000 |
| Cumberland, Pennsylvania | 2 | $ 524,000 | $ 262,000 | $ 43,000 |
| York, Pennsylvania | 2 | $ 248,000 | $ 124,000 | $ 69,000 |
| Richland, South Carolina | 2 | $ 121,000 | $ 60,500 | $ 0 |
| Collin, Texas | 2 | $ 1,225,000 | $ 612,500 | $ 0 |
| Cooke, Texas | 2 | $ 188,000 | $ 94,000 | $ 0 |
| Frederick, Virginia | 2 | $ 305,000 | $ 152,500 | $ 85,000 |
| Hopewell, Virginia | 2 | $ 87,000 | $ 43,500 | $ 51,000 |
| Chelan, Washington | 2 | $ 78,000 | $ 39,000 | $ 36,000 |
| Douglas, Washington | 2 | $ 194,000 | $ 97,000 | $ 63,000 |
| Kitsap, Washington | 2 | $ 200,000 | $ 100,000 | $ 32,000 |
| Etowah, Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Jackson, Alabama | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Jefferson, Alabama | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Lawrence, Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Madison, Alabama | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Russell, Alabama | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Tuscaloosa, Alabama | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Mohave, Arizona | 1 | $ 24,000 | $ 24,000 | $ 234,000 |
| Yavapai, Arizona | 1 | $ 292,000 | $ 292,000 | $ 0 |
| Amador, California | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Humboldt, California | 1 | $ 330,000 | $ 330,000 | $ 51,000 |
| Madera, California | 1 | $ 255,000 | $ 255,000 | $ 44,000 |
| Mendocino, California | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Merced, California | 1 | $ 280,000 | $ 280,000 | $ 103,000 |
| Mono, California | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Nevada, California | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Trinity, California | 1 | $ 196,000 | $ 196,000 | $ 46,000 |
| Yolo, California | 1 | $ 452,000 | $ 452,000 | $ 131,000 |
| Arapahoe, Colorado | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Denver, Colorado | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Douglas, Colorado | 1 | $ 541,000 | $ 541,000 | $ 0 |
| El Paso, Colorado | 1 | $ 332,000 | $ 332,000 | $ 0 |
| Jefferson, Colorado | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Larimer, Colorado | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Tolland, Connecticut | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Kent, Delaware | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Charlotte, Florida | 1 | $ 466,000 | $ 466,000 | $ 167,000 |
| Marion, Florida | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Pinellas, Florida | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Sarasota, Florida | 1 | $ 290,000 | $ 290,000 | $ 153,000 |
| St. Lucie, Florida | 1 | $ 138,000 | $ 138,000 | $ 109,000 |
| Chatham, Georgia | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Columbia, Georgia | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Floyd, Georgia | 1 | $ 483,000 | $ 483,000 | $ 0 |
| Henry, Georgia | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Houston, Georgia | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Liberty, Georgia | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Newton, Georgia | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Seminole, Georgia | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Tift, Georgia | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Walton, Georgia | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Bonneville, Idaho | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Allen, Indiana | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Hancock, Indiana | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Kosciusko, Indiana | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Warrick, Indiana | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Bourbon, Kansas | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Leavenworth, Kansas | 1 | $ 16,000 | $ 16,000 | $ 0 |
| Saline, Kansas | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Sedgwick, Kansas | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Oldham, Kentucky | 1 | $ 352,000 | $ 352,000 | $ 0 |
| East Baton Rouge, Louisiana | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Rapides, Louisiana | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Caroline, Maryland | 1 | $ 200,000 | $ 200,000 | $ 124,000 |
| Carroll, Maryland | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Harford, Maryland | 1 | $ 144,000 | $ 144,000 | $ 83,000 |
| Dukes, Massachusetts | 1 | $ 514,000 | $ 514,000 | $ 114,000 |
| Hampden, Massachusetts | 1 | $ 128,000 | $ 128,000 | $ 93,000 |
| Hampshire, Massachusetts | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Jackson, Michigan | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Washtenaw, Michigan | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Anoka, Minnesota | 1 | $ 344,000 | $ 344,000 | $ 0 |
| Dakota, Minnesota | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Hancock, Mississippi | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Pike, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Rankin, Mississippi | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Henry, Missouri | 1 | $ 22,000 | $ 22,000 | $ 0 |
| St. Louis, Missouri | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Douglas, Nevada | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Lander, Nevada | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Washoe, Nevada | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Essex, New Jersey | 1 | $ 562,000 | $ 562,000 | $ 0 |
| Monmouth, New Jersey | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Morris, New Jersey | 1 | $ 438,000 | $ 438,000 | $ 0 |
| Somerset, New Jersey | 1 | $ 584,000 | $ 584,000 | $ 0 |
| Nassau, New York | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Suffolk, New York | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Buncombe, North Carolina | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Columbus, North Carolina | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Durham, North Carolina | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Gaston, North Carolina | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Haywood, North Carolina | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Iredell, North Carolina | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Mecklenburg, North Carolina | 1 | $ 128,000 | $ 128,000 | $ 247,000 |
| Butler, Ohio | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Geauga, Ohio | 1 | $ 366,000 | $ 366,000 | $ 0 |
| Licking, Ohio | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Deschutes, Oregon | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Centre, Pennsylvania | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Providence, Rhode Island | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 387,000 | $ 387,000 | $ 0 |
| Greenville, South Carolina | 1 | $ 326,000 | $ 326,000 | $ 0 |
| Pickens, South Carolina | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Montgomery, Tennessee | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Sullivan, Tennessee | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Sumner, Tennessee | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Blanco, Texas | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Brazos, Texas | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Grayson, Texas | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Kendall, Texas | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Robertson, Texas | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Rockwall, Texas | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Travis, Texas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Victoria, Texas | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Yoakum, Texas | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Utah, Utah | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Alleghany, Virginia | 1 | $ 340,000 | $ 340,000 | $ 140,000 |
| Chesapeake, Virginia | 1 | $ 156,000 | $ 156,000 | $ 39,000 |
| Culpeper, Virginia | 1 | $ 58,000 | $ 58,000 | $ 95,000 |
| Fairfax City, Virginia | 1 | $ 382,000 | $ 382,000 | $ 137,000 |
| Fauquier, Virginia | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Goochland, Virginia | 1 | $ 128,000 | $ 128,000 | $ 64,000 |
| James City, Virginia | 1 | $ 232,000 | $ 232,000 | $ 48,000 |
| New Kent, Virginia | 1 | $ 159,000 | $ 159,000 | $ 48,000 |
| York, Virginia | 1 | $ 38,000 | $ 38,000 | $ 84,000 |
| Clark, Washington | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Stevens, Washington | 1 | $ 194,000 | $ 194,000 | $ 86,000 |
| Thurston, Washington | 1 | $ 90,000 | $ 90,000 | $ 182,000 |
| Whatcom, Washington | 1 | $ 140,000 | $ 140,000 | $ 0 |
Mortgage Loan Application Detail Totals for Silvergate Bank 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 |
|---|---|---|---|---|---|---|
| Refinancing | 700 | $202,489,000 | $207,305 | $5,420,000 | $21,138 | $1,524,000 |
| Home Purchase | 459 | $95,591,000 | $205,133 | $2,625,000 | $34,100 | $2,206,000 |
| Home Improvement | 25 | $6,208,000 | $283,250 | $618,000 | $83,000 | $163,000 |
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 | 478 | $124,290,000 | $229,562 | $3,280,000 | $104,375 | $2,206,000 |
| Not applicable | 287 | $56,512,000 | $191,052 | $966,000 | $0 | $0 |
| Hispanic | 167 | $39,949,000 | $266,500 | $1,950,000 | $108,833 | $1,200,000 |
| Not Provided | 141 | $57,345,000 | $540,250 | $5,420,000 | $73,583 | $462,000 |
| Black or African American | 56 | $11,658,000 | $169,625 | $482,000 | $83,750 | $165,000 |
| Asian | 46 | $12,101,000 | $211,000 | $604,000 | $91,600 | $337,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,379,000 | $297,000 | $500,000 | $101,000 | $245,000 |
| American Indian or Alaskan Native | 1 | $54,000 | $54,000 | $54,000 | $57,000 | $57,000 |
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) | 1,183 | $303,928,000 | $192,421 | $5,420,000 | $24,342 | $2,206,000 |
| VA-guaranteed (Veterans Administration) | 1 | $360,000 | $360,000 | $360,000 | $74,000 | $74,000 |
| 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 |
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 | 510 | $136,303,000 | $375,923 | $5,420,000 | $89,461 | $1,200,000 |
| Loan Purchased By The Institution | 287 | $56,512,000 | $191,052 | $966,000 | $0 | $0 |
| Application Denied By Financial Institution | 157 | $43,843,000 | $194,700 | $3,280,000 | $76,400 | $2,206,000 |
| Application Approved But Not Accepted | 150 | $45,279,000 | $228,692 | $2,000,000 | $91,538 | $1,524,000 |
| File Closed For Incompleteness | 44 | $10,498,000 | $174,444 | $1,000,000 | $86,666 | $400,000 |
| Application Withdrawn By Applicant | 36 | $11,853,000 | $282,800 | $1,016,000 | $86,600 | $400,000 |
| 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 | 48 | $16,164,000 | $205,625 | $3,280,000 | $62,500 | $462,000 |
| Other | 35 | $10,416,000 | $197,857 | $2,625,000 | $115,000 | $2,206,000 |
| Debt-To-Income Ratio | 19 | $3,186,000 | $146,200 | $532,000 | $54,600 | $372,000 |
| Unverifiable Information | 18 | $5,906,000 | $307,750 | $1,000,000 | $126,500 | $420,000 |
| Collateral | 17 | $2,633,000 | $228,333 | $551,000 | $110,333 | $192,000 |
| Employment History | 13 | $3,473,000 | $267,000 | $454,000 | $133,000 | $170,000 |
| Credit Application Incomplete | 4 | $1,253,000 | $383,500 | $600,000 | $136,000 | $257,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $654,000 | $327,000 | $604,000 | $114,000 | $168,000 |
| Mortgage Insurance Denied | 1 | $158,000 | $158,000 | $158,000 | $182,000 | $182,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Silvergate Bank'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 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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