Silvergate Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Silvergate Bank 2005 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 | 1,184 |
| Total Mortgage Loan Application Amount | $304,288,000 |
| Average Mortgage Loan Application Amount | $210,714 |
| Highest Mortgage Loan Application Amount | $5,420,000 |
| Average Applicant Income | $30,228 |
| Highest Applicant Income | $2,206,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 182 | $ 58,483,000 | $ 321,000 | $ 106,000 |
| Los Angeles County California | 61 | $ 17,305,000 | $ 283,000 | $ 122,000 |
| Riverside County California | 45 | $ 15,809,000 | $ 351,000 | $ 102,000 |
| Orange County California | 30 | $ 14,327,000 | $ 477,000 | $ 136,000 |
| Sacramento County California | 28 | $ 5,835,000 | $ 208,000 | $ 101,000 |
| Santa Clara County California | 27 | $ 9,423,000 | $ 349,000 | $ 52,000 |
| Orange County Florida | 27 | $ 3,191,000 | $ 118,000 | $ 71,000 |
| San Bernardino County California | 20 | $ 4,168,000 | $ 208,000 | $ 85,000 |
| Anne Arundel County Maryland | 20 | $ 4,198,000 | $ 209,000 | $ 51,000 |
| Alameda County California | 18 | $ 5,395,000 | $ 299,000 | $ 77,000 |
| Fairfax County Virginia | 18 | $ 5,760,000 | $ 320,000 | $ 93,000 |
| Contra Costa County California | 16 | $ 5,361,000 | $ 335,000 | $ 87,000 |
| Prince William County Virginia | 16 | $ 3,659,000 | $ 228,000 | $ 68,000 |
| Seminole County Florida | 15 | $ 1,870,000 | $ 124,000 | $ 67,000 |
| Harris County Texas | 15 | $ 7,503,000 | $ 500,000 | $ 29,000 |
| Baltimore County Maryland | 13 | $ 2,052,000 | $ 157,000 | $ 44,000 |
| Butte County California | 12 | $ 2,547,000 | $ 212,000 | $ 99,000 |
| Hillsborough County Florida | 12 | $ 1,371,000 | $ 114,000 | $ 67,000 |
| Montgomery County Maryland | 12 | $ 3,662,000 | $ 305,000 | $ 100,000 |
| Maricopa County Arizona | 11 | $ 1,580,000 | $ 143,000 | $ 96,000 |
| San Joaquin County California | 11 | $ 2,773,000 | $ 252,000 | $ 120,000 |
| Dallas County Texas | 11 | $ 3,498,000 | $ 318,000 | $ 61,000 |
| Henrico County Virginia | 11 | $ 1,541,000 | $ 140,000 | $ 61,000 |
| Snohomish County Washington | 11 | $ 2,325,000 | $ 211,000 | $ 55,000 |
| Solano County California | 9 | $ 2,180,000 | $ 242,000 | $ 141,000 |
| Manatee County Florida | 9 | $ 638,000 | $ 70,000 | $ 92,000 |
| Cook County Illinois | 9 | $ 565,000 | $ 62,000 | $ 0 |
| Prince George's County Maryland | 9 | $ 1,405,000 | $ 156,000 | $ 90,000 |
| Hanover County Virginia | 9 | $ 1,335,000 | $ 148,000 | $ 60,000 |
| King County Washington | 9 | $ 3,425,000 | $ 380,000 | $ 30,000 |
| Bexar County Texas | 8 | $ 486,000 | $ 60,000 | $ 0 |
| Monterey County California | 7 | $ 3,031,000 | $ 433,000 | $ 66,000 |
| San Francisco County California | 7 | $ 3,388,000 | $ 484,000 | $ 115,000 |
| Stanislaus County California | 7 | $ 1,691,000 | $ 241,000 | $ 105,000 |
| Tulare County California | 7 | $ 741,000 | $ 105,000 | $ 151,000 |
| Broward County Florida | 7 | $ 915,000 | $ 130,000 | $ 82,000 |
| Osceola County Florida | 7 | $ 728,000 | $ 104,000 | $ 102,000 |
| Worcester County Massachusetts | 7 | $ 1,329,000 | $ 189,000 | $ 58,000 |
| Tarrant County Texas | 7 | $ 5,257,000 | $ 751,000 | $ 0 |
| Loudoun County Virginia | 7 | $ 1,856,000 | $ 265,000 | $ 89,000 |
| Kern County California | 6 | $ 1,210,000 | $ 201,000 | $ 65,000 |
| Miami-Dade County Florida | 6 | $ 1,479,000 | $ 246,000 | $ 89,000 |
| Fulton County Georgia | 6 | $ 1,249,000 | $ 208,000 | $ 0 |
| Clark County Nevada | 6 | $ 1,116,000 | $ 186,000 | $ 51,000 |
| Richmond City County Virginia | 6 | $ 1,009,000 | $ 168,000 | $ 94,000 |
| Fresno County California | 5 | $ 1,373,000 | $ 274,000 | $ 70,000 |
| District of Columbia County District Of Columbia | 5 | $ 1,878,000 | $ 375,000 | $ 55,000 |
| Multnomah County Oregon | 5 | $ 1,135,000 | $ 227,000 | $ 112,000 |
| Arlington County Virginia | 5 | $ 1,116,000 | $ 223,000 | $ 96,000 |
| Pierce County Washington | 5 | $ 746,000 | $ 149,000 | $ 27,000 |
| El Dorado County California | 4 | $ 1,431,000 | $ 357,000 | $ 23,000 |
| Sonoma County California | 4 | $ 1,106,000 | $ 276,000 | $ 44,000 |
| Fairfield County Connecticut | 4 | $ 1,209,000 | $ 302,000 | $ 57,000 |
| Wayne County Michigan | 4 | $ 222,000 | $ 55,000 | $ 0 |
| Salt Lake County Utah | 4 | $ 1,164,000 | $ 291,000 | $ 0 |
| Newport News County Virginia | 4 | $ 305,000 | $ 76,000 | $ 45,000 |
| Marin County California | 3 | $ 982,000 | $ 327,000 | $ 116,000 |
| San Luis Obispo County California | 3 | $ 615,000 | $ 205,000 | $ 28,000 |
| San Mateo County California | 3 | $ 1,257,000 | $ 419,000 | $ 0 |
| Santa Barbara County California | 3 | $ 1,099,000 | $ 366,000 | $ 47,000 |
| Santa Cruz County California | 3 | $ 1,459,000 | $ 486,000 | $ 85,000 |
| Lake County Florida | 3 | $ 387,000 | $ 129,000 | $ 20,000 |
| Palm Beach County Florida | 3 | $ 638,000 | $ 212,000 | $ 0 |
| Volusia County Florida | 3 | $ 180,000 | $ 60,000 | $ 57,000 |
| Gwinnett County Georgia | 3 | $ 506,000 | $ 168,000 | $ 0 |
| Calvert County Maryland | 3 | $ 667,000 | $ 222,000 | $ 44,000 |
| Frederick County Maryland | 3 | $ 799,000 | $ 266,000 | $ 63,000 |
| Howard County Maryland | 3 | $ 1,087,000 | $ 362,000 | $ 105,000 |
| Norfolk County Massachusetts | 3 | $ 419,000 | $ 139,000 | $ 25,000 |
| Hennepin County Minnesota | 3 | $ 1,708,000 | $ 569,000 | $ 0 |
| Dare County North Carolina | 3 | $ 679,000 | $ 226,000 | $ 60,000 |
| Cuyahoga County Ohio | 3 | $ 739,000 | $ 246,000 | $ 53,000 |
| Berks County Pennsylvania | 3 | $ 235,000 | $ 78,000 | $ 22,000 |
| King William County Virginia | 3 | $ 316,000 | $ 105,000 | $ 56,000 |
| Virginia Beach County Virginia | 3 | $ 247,000 | $ 82,000 | $ 45,000 |
| Clallam County Washington | 3 | $ 254,000 | $ 84,000 | $ 65,000 |
| Spokane County Washington | 3 | $ 484,000 | $ 161,000 | $ 24,000 |
| Baldwin County Alabama | 2 | $ 131,000 | $ 65,000 | $ 0 |
| Pima County Arizona | 2 | $ 616,000 | $ 308,000 | $ 0 |
| Napa County California | 2 | $ 597,000 | $ 298,000 | $ 0 |
| Placer County California | 2 | $ 648,000 | $ 324,000 | $ 64,000 |
| Sutter County California | 2 | $ 544,000 | $ 272,000 | $ 93,000 |
| Ventura County California | 2 | $ 435,000 | $ 217,000 | $ 32,000 |
| Pueblo County Colorado | 2 | $ 112,000 | $ 56,000 | $ 30,000 |
| Lee County Florida | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Pasco County Florida | 2 | $ 320,000 | $ 160,000 | $ 115,000 |
| Polk County Florida | 2 | $ 338,000 | $ 169,000 | $ 40,000 |
| Cobb County Georgia | 2 | $ 592,000 | $ 296,000 | $ 0 |
| Canyon County Idaho | 2 | $ 105,000 | $ 52,000 | $ 0 |
| Lake County Illinois | 2 | $ 661,000 | $ 330,000 | $ 0 |
| Marion County Indiana | 2 | $ 156,000 | $ 78,000 | $ 0 |
| St. Joseph County Indiana | 2 | $ 108,000 | $ 54,000 | $ 0 |
| Baltimore City County Maryland | 2 | $ 342,000 | $ 171,000 | $ 68,000 |
| Charles County Maryland | 2 | $ 689,000 | $ 344,000 | $ 163,000 |
| Worcester County Maryland | 2 | $ 494,000 | $ 247,000 | $ 150,000 |
| Essex County Massachusetts | 2 | $ 434,000 | $ 217,000 | $ 0 |
| Middlesex County Massachusetts | 2 | $ 408,000 | $ 204,000 | $ 0 |
| Oakland County Michigan | 2 | $ 402,000 | $ 201,000 | $ 0 |
| St. Louis City County Missouri | 2 | $ 71,000 | $ 35,000 | $ 0 |
| Forsyth County North Carolina | 2 | $ 503,000 | $ 251,000 | $ 102,000 |
| Franklin County Ohio | 2 | $ 111,000 | $ 55,000 | $ 0 |
| Lake County Ohio | 2 | $ 231,000 | $ 115,000 | $ 51,000 |
| Montgomery County Ohio | 2 | $ 98,000 | $ 49,000 | $ 0 |
| Washington County Oregon | 2 | $ 990,000 | $ 495,000 | $ 18,000 |
| Cumberland County Pennsylvania | 2 | $ 524,000 | $ 262,000 | $ 43,000 |
| York County Pennsylvania | 2 | $ 248,000 | $ 124,000 | $ 69,000 |
| Richland County South Carolina | 2 | $ 121,000 | $ 60,000 | $ 0 |
| Collin County Texas | 2 | $ 1,225,000 | $ 612,000 | $ 0 |
| Cooke County Texas | 2 | $ 188,000 | $ 94,000 | $ 0 |
| Frederick County Virginia | 2 | $ 305,000 | $ 152,000 | $ 85,000 |
| Hopewell County Virginia | 2 | $ 87,000 | $ 43,000 | $ 51,000 |
| Chelan County Washington | 2 | $ 78,000 | $ 39,000 | $ 36,000 |
| Douglas County Washington | 2 | $ 194,000 | $ 97,000 | $ 63,000 |
| Kitsap County Washington | 2 | $ 200,000 | $ 100,000 | $ 32,000 |
| Etowah County Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Jackson County Alabama | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Jefferson County Alabama | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Lawrence County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Madison County Alabama | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Russell County Alabama | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Tuscaloosa County Alabama | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Mohave County Arizona | 1 | $ 24,000 | $ 24,000 | $ 234,000 |
| Yavapai County Arizona | 1 | $ 292,000 | $ 292,000 | $ 0 |
| Amador County California | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Humboldt County California | 1 | $ 330,000 | $ 330,000 | $ 51,000 |
| Madera County California | 1 | $ 255,000 | $ 255,000 | $ 44,000 |
| Mendocino County California | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Merced County California | 1 | $ 280,000 | $ 280,000 | $ 103,000 |
| Mono County California | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Nevada County California | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Trinity County California | 1 | $ 196,000 | $ 196,000 | $ 46,000 |
| Yolo County California | 1 | $ 452,000 | $ 452,000 | $ 131,000 |
| Arapahoe County Colorado | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Denver County Colorado | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Douglas County Colorado | 1 | $ 541,000 | $ 541,000 | $ 0 |
| El Paso County Colorado | 1 | $ 332,000 | $ 332,000 | $ 0 |
| Jefferson County Colorado | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Larimer County Colorado | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Tolland County Connecticut | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Kent County Delaware | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Charlotte County Florida | 1 | $ 466,000 | $ 466,000 | $ 167,000 |
| Marion County Florida | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Pinellas County Florida | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Sarasota County Florida | 1 | $ 290,000 | $ 290,000 | $ 153,000 |
| St. Lucie County Florida | 1 | $ 138,000 | $ 138,000 | $ 109,000 |
| Chatham County Georgia | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Columbia County Georgia | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Floyd County Georgia | 1 | $ 483,000 | $ 483,000 | $ 0 |
| Henry County Georgia | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Houston County Georgia | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Liberty County Georgia | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Newton County Georgia | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Seminole County Georgia | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Tift County Georgia | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Walton County Georgia | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Bonneville County Idaho | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Allen County Indiana | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Hancock County Indiana | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Kosciusko County Indiana | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Warrick County Indiana | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Bourbon County Kansas | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Leavenworth County Kansas | 1 | $ 16,000 | $ 16,000 | $ 0 |
| Saline County Kansas | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Sedgwick County Kansas | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Oldham County Kentucky | 1 | $ 352,000 | $ 352,000 | $ 0 |
| East Baton Rouge County Louisiana | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Rapides County Louisiana | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Caroline County Maryland | 1 | $ 200,000 | $ 200,000 | $ 124,000 |
| Carroll County Maryland | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Harford County Maryland | 1 | $ 144,000 | $ 144,000 | $ 83,000 |
| Dukes County Massachusetts | 1 | $ 514,000 | $ 514,000 | $ 114,000 |
| Hampden County Massachusetts | 1 | $ 128,000 | $ 128,000 | $ 93,000 |
| Hampshire County Massachusetts | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Jackson County Michigan | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Washtenaw County Michigan | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Anoka County Minnesota | 1 | $ 344,000 | $ 344,000 | $ 0 |
| Dakota County Minnesota | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Hancock County Mississippi | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Pike County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Rankin County Mississippi | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Henry County Missouri | 1 | $ 22,000 | $ 22,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Douglas County Nevada | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Lander County Nevada | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Washoe County Nevada | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Essex County New Jersey | 1 | $ 562,000 | $ 562,000 | $ 0 |
| Monmouth County New Jersey | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Morris County New Jersey | 1 | $ 438,000 | $ 438,000 | $ 0 |
| Somerset County New Jersey | 1 | $ 584,000 | $ 584,000 | $ 0 |
| Nassau County New York | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Suffolk County New York | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Buncombe County North Carolina | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Columbus County North Carolina | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Durham County North Carolina | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Gaston County North Carolina | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Haywood County North Carolina | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 128,000 | $ 128,000 | $ 247,000 |
| Butler County Ohio | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Geauga County Ohio | 1 | $ 366,000 | $ 366,000 | $ 0 |
| Licking County Ohio | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Deschutes County Oregon | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Centre County Pennsylvania | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Providence County Rhode Island | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 387,000 | $ 387,000 | $ 0 |
| Greenville County South Carolina | 1 | $ 326,000 | $ 326,000 | $ 0 |
| Pickens County South Carolina | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Montgomery County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Sullivan County Tennessee | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Sumner County Tennessee | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Blanco County Texas | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Brazos County Texas | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Grayson County Texas | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Kendall County Texas | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Robertson County Texas | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Rockwall County Texas | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Travis County Texas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Victoria County Texas | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Yoakum County Texas | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Utah County Utah | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Alleghany County Virginia | 1 | $ 340,000 | $ 340,000 | $ 140,000 |
| Chesapeake County Virginia | 1 | $ 156,000 | $ 156,000 | $ 39,000 |
| Culpeper County Virginia | 1 | $ 58,000 | $ 58,000 | $ 95,000 |
| Fairfax City County Virginia | 1 | $ 382,000 | $ 382,000 | $ 137,000 |
| Fauquier County Virginia | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Goochland County Virginia | 1 | $ 128,000 | $ 128,000 | $ 64,000 |
| James City County Virginia | 1 | $ 232,000 | $ 232,000 | $ 48,000 |
| New Kent County Virginia | 1 | $ 159,000 | $ 159,000 | $ 48,000 |
| York County Virginia | 1 | $ 38,000 | $ 38,000 | $ 84,000 |
| Clark County Washington | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Stevens County Washington | 1 | $ 194,000 | $ 194,000 | $ 86,000 |
| Thurston County Washington | 1 | $ 90,000 | $ 90,000 | $ 182,000 |
| Whatcom County 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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