Silvergate Bank Mortgage Lending & HMDA Data, 2013
In 2013, Silvergate Bank of La Jolla, CA reported 204 mortgage applications totaling $63.6 million. The average application was for $311,720, and applicants reported an average income of $70,970. 3% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (63), San Diego-Carlsbad-San Marcos, CA (33) and Santa Ana-Anaheim-Irvine, CA (20) (applications in parentheses).
| Mortgage Company & Address | Silvergate Bank 4250 Executive Square Suite 300 La Jolla, CA 92037 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2013 |
| Total Number of Mortgage Applications | 204 |
| Total Mortgage Loan Application Amount | $63,591,000 |
| Average Mortgage Loan Application Amount | $311,720 |
| Highest Mortgage Loan Application Amount | $7,250,000 |
| Average Applicant Income | $70,970 |
| Highest Applicant Income | $758,000 |
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Act (HMDA) records Silvergate Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles, California | 63 | $ 18,315,000 | $ 290,714 | $ 90,000 |
| San Diego, California | 33 | $ 21,747,000 | $ 659,000 | $ 94,000 |
| Orange, California | 20 | $ 6,722,000 | $ 336,100 | $ 109,000 |
| Riverside, California | 9 | $ 1,828,000 | $ 203,111 | $ 31,000 |
| San Bernardino, California | 7 | $ 1,528,000 | $ 218,285 | $ 92,000 |
| Nassau, New York | 4 | $ 1,298,000 | $ 324,500 | $ 48,000 |
| Ventura, California | 3 | $ 1,058,000 | $ 352,666 | $ 72,000 |
| Maricopa, Arizona | 2 | $ 492,000 | $ 246,000 | $ 48,000 |
| Fairfield, Connecticut | 2 | $ 676,000 | $ 338,000 | $ 30,000 |
| Baltimore City, Maryland | 2 | $ 111,000 | $ 55,500 | $ 11,000 |
| Prince George's, Maryland | 2 | $ 407,000 | $ 203,500 | $ 25,000 |
| Bronx, New York | 2 | $ 624,000 | $ 312,000 | $ 23,000 |
| Kings, New York | 2 | $ 847,000 | $ 423,500 | $ 36,000 |
| Suffolk, New York | 2 | $ 721,000 | $ 360,500 | $ 72,000 |
| Mohave, Arizona | 1 | $ 155,000 | $ 155,000 | $ 18,000 |
| Yavapai, Arizona | 1 | $ 111,000 | $ 111,000 | $ 18,000 |
| Alameda, California | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Sacramento, California | 1 | $ 218,000 | $ 218,000 | $ 60,000 |
| Tuolumne, California | 1 | $ 198,000 | $ 198,000 | $ 24,000 |
| Arapahoe, Colorado | 1 | $ 106,000 | $ 106,000 | $ 56,000 |
| Las Animas, Colorado | 1 | $ 178,000 | $ 178,000 | $ 12,000 |
| New Haven, Connecticut | 1 | $ 111,000 | $ 111,000 | $ 53,000 |
| Kent, Delaware | 1 | $ 102,000 | $ 102,000 | $ 11,000 |
| New Castle, Delaware | 1 | $ 79,000 | $ 79,000 | $ 12,000 |
| Miami-Dade, Florida | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Orange, Florida | 1 | $ 111,000 | $ 111,000 | $ 11,000 |
| Volusia, Florida | 1 | $ 94,000 | $ 94,000 | $ 14,000 |
| Lake, Illinois | 1 | $ 54,000 | $ 54,000 | $ 36,000 |
| Lafourche, Louisiana | 1 | $ 62,000 | $ 62,000 | $ 11,000 |
| West Baton Rouge, Louisiana | 1 | $ 139,000 | $ 139,000 | $ 161,000 |
| Charles, Maryland | 1 | $ 290,000 | $ 290,000 | $ 42,000 |
| Crow Wing, Minnesota | 1 | $ 100,000 | $ 100,000 | $ 12,000 |
| Olmsted, Minnesota | 1 | $ 108,000 | $ 108,000 | $ 30,000 |
| Clark, Nevada | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Coos, New Hampshire | 1 | $ 94,000 | $ 94,000 | $ 22,000 |
| Hillsborough, New Hampshire | 1 | $ 109,000 | $ 109,000 | $ 31,000 |
| Bergen, New Jersey | 1 | $ 179,000 | $ 179,000 | $ 18,000 |
| Ocean, New Jersey | 1 | $ 150,000 | $ 150,000 | $ 16,000 |
| Passaic, New Jersey | 1 | $ 146,000 | $ 146,000 | $ 22,000 |
| Chaves, New Mexico | 1 | $ 48,000 | $ 48,000 | $ 24,000 |
| Sandoval, New Mexico | 1 | $ 159,000 | $ 159,000 | $ 14,000 |
| Onondaga, New York | 1 | $ 272,000 | $ 272,000 | $ 130,000 |
| Queens, New York | 1 | $ 293,000 | $ 293,000 | $ 8,000 |
| Saratoga, New York | 1 | $ 171,000 | $ 171,000 | $ 37,000 |
| Ulster, New York | 1 | $ 138,000 | $ 138,000 | $ 29,000 |
| Westchester, New York | 1 | $ 305,000 | $ 305,000 | $ 48,000 |
| Caldwell, North Carolina | 1 | $ 321,000 | $ 321,000 | $ 115,000 |
| Halifax, North Carolina | 1 | $ 93,000 | $ 93,000 | $ 31,000 |
| Franklin, Ohio | 1 | $ 167,000 | $ 167,000 | $ 28,000 |
| Carter, Oklahoma | 1 | $ 88,000 | $ 88,000 | $ 80,000 |
| Berks, Pennsylvania | 1 | $ 104,000 | $ 104,000 | $ 18,000 |
| Lycoming, Pennsylvania | 1 | $ 102,000 | $ 102,000 | $ 16,000 |
| Montgomery, Pennsylvania | 1 | $ 91,000 | $ 91,000 | $ 24,000 |
| Rutherford, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Washington, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 12,000 |
| Cass, Texas | 1 | $ 37,000 | $ 37,000 | $ 14,000 |
| Hidalgo, Texas | 1 | $ 69,000 | $ 69,000 | $ 24,000 |
| Potter, Texas | 1 | $ 99,000 | $ 99,000 | $ 12,000 |
| Smith, Texas | 1 | $ 56,000 | $ 56,000 | $ 57,000 |
| Titus, Texas | 1 | $ 134,000 | $ 134,000 | $ 29,000 |
| Tom Green, Texas | 1 | $ 118,000 | $ 118,000 | $ 72,000 |
| Chelan, Washington | 1 | $ 373,000 | $ 373,000 | $ 22,000 |
| King, Washington | 1 | $ 151,000 | $ 151,000 | $ 10,000 |
| Brown, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Eau Claire, Wisconsin | 1 | $ 79,000 | $ 79,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for Silvergate Bank in 2013
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 | 125 | $42,008,000 | $336,000 | $7,250,000 | $54,000 | $758,000 |
| Home Purchase | 68 | $18,998,000 | $279,000 | $732,000 | $102,000 | $298,000 |
| Home Improvement | 11 | $2,585,000 | $235,000 | $453,000 | $72,000 | $324,000 |
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 | 96 | $23,760,000 | $247,000 | $750,000 | $67,000 | $372,000 |
| Asian | 59 | $16,312,000 | $276,000 | $732,000 | $100,000 | $298,000 |
| Hispanic | 18 | $3,526,000 | $195,000 | $426,000 | $37,000 | $77,000 |
| Black or African American | 17 | $3,250,000 | $191,000 | $475,000 | $27,000 | $56,000 |
| Not applicable | 9 | $14,748,000 | $1,638,000 | $7,250,000 | $0 | $0 |
| Not Provided | 4 | $1,730,000 | $432,000 | $903,000 | $246,000 | $758,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $265,000 | $265,000 | $265,000 | $88,000 | $88,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 106 | $22,325,000 | $210,000 | $475,000 | $36,000 | $161,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 98 | $41,266,000 | $421,000 | $7,250,000 | $109,000 | $758,000 |
| 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 Purchased By The Institution | 195 | $48,843,000 | $250,000 | $903,000 | $74,000 | $758,000 |
| Loan Originated | 7 | $7,198,000 | $1,028,000 | $3,292,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $7,550,000 | $3,775,000 | $7,250,000 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Silvergate Bank's 2013 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.
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