American Sterling Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
American Sterling Bank 2003 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 | American Sterling Bank 535 S Sterling Sugar Creek, MO 64054 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 8,301 |
| Total Mortgage Loan Application Amount | $1,816,523,000 |
| Average Mortgage Loan Application Amount | $171,595 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $175,021 |
| Highest Applicant Income | $3,996,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with American Sterling 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 American Sterling Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down American Sterling 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 American Sterling Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by American Sterling 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 American Sterling Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 1,321 | $ 304,547,000 | $ 230,000 | $ 109,000 |
| San Diego County California | 1,304 | $ 329,139,000 | $ 252,000 | $ 87,000 |
| Orange County California | 1,261 | $ 344,610,000 | $ 273,000 | $ 94,000 |
| Clark County Nevada | 768 | $ 123,777,000 | $ 161,000 | $ 62,000 |
| Riverside County California | 729 | $ 146,945,000 | $ 201,000 | $ 76,000 |
| San Bernardino County California | 559 | $ 96,881,000 | $ 173,000 | $ 85,000 |
| Contra Costa County California | 135 | $ 33,789,000 | $ 250,000 | $ 80,000 |
| Sacramento County California | 115 | $ 21,791,000 | $ 189,000 | $ 65,000 |
| Ventura County California | 114 | $ 30,985,000 | $ 271,000 | $ 104,000 |
| Santa Clara County California | 91 | $ 30,534,000 | $ 335,000 | $ 125,000 |
| Solano County California | 80 | $ 20,077,000 | $ 250,000 | $ 99,000 |
| Greene County Missouri | 78 | $ 8,628,000 | $ 110,000 | $ 67,000 |
| San Joaquin County California | 77 | $ 16,768,000 | $ 217,000 | $ 70,000 |
| Jackson County Missouri | 77 | $ 7,480,000 | $ 97,000 | $ 50,000 |
| Alameda County California | 69 | $ 20,852,000 | $ 302,000 | $ 94,000 |
| Maricopa County Arizona | 63 | $ 10,396,000 | $ 165,000 | $ 67,000 |
| Larimer County Colorado | 57 | $ 8,945,000 | $ 156,000 | $ 68,000 |
| Christian County Missouri | 50 | $ 5,213,000 | $ 104,000 | $ 40,000 |
| Kern County California | 46 | $ 6,205,000 | $ 134,000 | $ 84,000 |
| Fresno County California | 42 | $ 7,011,000 | $ 166,000 | $ 88,000 |
| Stanislaus County California | 37 | $ 8,252,000 | $ 223,000 | $ 72,000 |
| Placer County California | 35 | $ 8,834,000 | $ 252,000 | $ 105,000 |
| Sonoma County California | 35 | $ 9,057,000 | $ 258,000 | $ 110,000 |
| St. Louis County Missouri | 32 | $ 4,130,000 | $ 129,000 | $ 55,000 |
| El Dorado County California | 27 | $ 6,747,000 | $ 249,000 | $ 68,000 |
| Santa Barbara County California | 25 | $ 7,035,000 | $ 281,000 | $ 107,000 |
| Duval County Florida | 25 | $ 3,111,000 | $ 124,000 | $ 82,000 |
| San Luis Obispo County California | 24 | $ 5,743,000 | $ 239,000 | $ 93,000 |
| Weld County Colorado | 22 | $ 3,454,000 | $ 157,000 | $ 62,000 |
| San Francisco County California | 21 | $ 8,461,000 | $ 402,000 | $ 139,000 |
| San Mateo County California | 19 | $ 6,242,000 | $ 328,000 | $ 114,000 |
| Imperial County California | 17 | $ 2,369,000 | $ 139,000 | $ 60,000 |
| Monterey County California | 17 | $ 4,792,000 | $ 281,000 | $ 94,000 |
| Jefferson County Colorado | 17 | $ 3,593,000 | $ 211,000 | $ 55,000 |
| Napa County California | 15 | $ 4,787,000 | $ 319,000 | $ 86,000 |
| Merced County California | 14 | $ 2,840,000 | $ 202,000 | $ 65,000 |
| King County Washington | 14 | $ 3,243,000 | $ 231,000 | $ 184,000 |
| Tulare County California | 13 | $ 2,104,000 | $ 161,000 | $ 92,000 |
| El Paso County Colorado | 13 | $ 1,645,000 | $ 126,000 | $ 60,000 |
| Jasper County Missouri | 13 | $ 1,299,000 | $ 99,000 | $ 65,000 |
| Pima County Arizona | 12 | $ 1,309,000 | $ 109,000 | $ 51,000 |
| Marin County California | 12 | $ 4,666,000 | $ 388,000 | $ 123,000 |
| Santa Cruz County California | 12 | $ 3,875,000 | $ 322,000 | $ 122,000 |
| Butte County California | 11 | $ 1,394,000 | $ 126,000 | $ 60,000 |
| Adams County Colorado | 11 | $ 2,054,000 | $ 186,000 | $ 77,000 |
| Washoe County Nevada | 11 | $ 1,421,000 | $ 129,000 | $ 62,000 |
| Washington County Oregon | 11 | $ 2,636,000 | $ 239,000 | $ 74,000 |
| Nevada County California | 10 | $ 2,293,000 | $ 229,000 | $ 98,000 |
| Yolo County California | 10 | $ 1,827,000 | $ 182,000 | $ 74,000 |
| Denver County Colorado | 10 | $ 1,688,000 | $ 168,000 | $ 67,000 |
| Montgomery County Maryland | 10 | $ 2,741,000 | $ 274,000 | $ 105,000 |
| Clay County Missouri | 10 | $ 969,000 | $ 96,000 | $ 42,000 |
| Lawrence County Missouri | 10 | $ 1,044,000 | $ 104,000 | $ 50,000 |
| Clackamas County Oregon | 10 | $ 2,187,000 | $ 218,000 | $ 78,000 |
| Boulder County Colorado | 9 | $ 1,913,000 | $ 212,000 | $ 102,000 |
| St. Charles County Missouri | 9 | $ 1,178,000 | $ 130,000 | $ 56,000 |
| Taney County Missouri | 9 | $ 676,000 | $ 75,000 | $ 47,000 |
| Plumas County California | 8 | $ 960,000 | $ 120,000 | $ 41,000 |
| Shasta County California | 8 | $ 1,642,000 | $ 205,000 | $ 91,000 |
| Douglas County Colorado | 8 | $ 2,235,000 | $ 279,000 | $ 89,000 |
| Prince George's County Maryland | 8 | $ 2,036,000 | $ 254,000 | $ 94,000 |
| Newton County Missouri | 8 | $ 1,021,000 | $ 127,000 | $ 43,000 |
| Prince William County Virginia | 8 | $ 2,192,000 | $ 274,000 | $ 124,000 |
| Kings County California | 7 | $ 654,000 | $ 93,000 | $ 50,000 |
| Lake County California | 7 | $ 838,000 | $ 119,000 | $ 81,000 |
| Mendocino County California | 7 | $ 1,672,000 | $ 238,000 | $ 240,000 |
| Hartford County Connecticut | 7 | $ 1,170,000 | $ 167,000 | $ 103,000 |
| Miami-Dade County Florida | 7 | $ 1,773,000 | $ 253,000 | $ 142,000 |
| Orange County Florida | 7 | $ 1,084,000 | $ 154,000 | $ 81,000 |
| Johnson County Kansas | 7 | $ 1,483,000 | $ 211,000 | $ 90,000 |
| Pettis County Missouri | 7 | $ 550,000 | $ 78,000 | $ 47,000 |
| Webster County Missouri | 7 | $ 583,000 | $ 83,000 | $ 38,000 |
| Fairfax County Virginia | 7 | $ 1,967,000 | $ 281,000 | $ 181,000 |
| Yuma County Arizona | 6 | $ 1,188,000 | $ 198,000 | $ 102,000 |
| Amador County California | 6 | $ 1,221,000 | $ 203,000 | $ 59,000 |
| Madera County California | 6 | $ 987,000 | $ 164,000 | $ 67,000 |
| Arapahoe County Colorado | 6 | $ 1,335,000 | $ 222,000 | $ 89,000 |
| Fairfield County Connecticut | 6 | $ 1,646,000 | $ 274,000 | $ 136,000 |
| New Haven County Connecticut | 6 | $ 933,000 | $ 155,000 | $ 96,000 |
| Broward County Florida | 6 | $ 1,168,000 | $ 194,000 | $ 62,000 |
| Finney County Kansas | 6 | $ 430,000 | $ 71,000 | $ 59,000 |
| Anne Arundel County Maryland | 6 | $ 1,595,000 | $ 265,000 | $ 128,000 |
| Baltimore County Maryland | 6 | $ 1,103,000 | $ 183,000 | $ 131,000 |
| Frederick County Maryland | 6 | $ 1,275,000 | $ 212,000 | $ 96,000 |
| Barry County Missouri | 6 | $ 543,000 | $ 90,000 | $ 40,000 |
| Stone County Missouri | 6 | $ 778,000 | $ 129,000 | $ 69,000 |
| Bernalillo County New Mexico | 6 | $ 794,000 | $ 132,000 | $ 89,000 |
| Salt Lake County Utah | 6 | $ 766,000 | $ 127,000 | $ 61,000 |
| Kitsap County Washington | 6 | $ 871,000 | $ 145,000 | $ 58,000 |
| Pierce County Washington | 6 | $ 697,000 | $ 116,000 | $ 46,000 |
| Calaveras County California | 5 | $ 1,162,000 | $ 232,000 | $ 70,000 |
| Humboldt County California | 5 | $ 931,000 | $ 186,000 | $ 64,000 |
| San Benito County California | 5 | $ 1,447,000 | $ 289,000 | $ 98,000 |
| Sutter County California | 5 | $ 845,000 | $ 169,000 | $ 79,000 |
| Tuolumne County California | 5 | $ 1,022,000 | $ 204,000 | $ 55,000 |
| Mesa County Colorado | 5 | $ 621,000 | $ 124,000 | $ 87,000 |
| Collier County Florida | 5 | $ 785,000 | $ 157,000 | $ 70,000 |
| Harford County Maryland | 5 | $ 1,211,000 | $ 242,000 | $ 108,000 |
| Boone County Missouri | 5 | $ 647,000 | $ 129,000 | $ 51,000 |
| Howell County Missouri | 5 | $ 366,000 | $ 73,000 | $ 43,000 |
| Johnson County Missouri | 5 | $ 563,000 | $ 112,000 | $ 47,000 |
| Nye County Nevada | 5 | $ 733,000 | $ 146,000 | $ 87,000 |
| Coos County Oregon | 5 | $ 379,000 | $ 75,000 | $ 37,000 |
| Jackson County Oregon | 5 | $ 1,221,000 | $ 244,000 | $ 93,000 |
| Anchorage County Alaska | 4 | $ 817,000 | $ 204,000 | $ 81,000 |
| Mono County California | 4 | $ 1,206,000 | $ 301,000 | $ 145,000 |
| Hillsborough County Florida | 4 | $ 777,000 | $ 194,000 | $ 90,000 |
| Palm Beach County Florida | 4 | $ 564,000 | $ 141,000 | $ 37,000 |
| Sarasota County Florida | 4 | $ 747,000 | $ 186,000 | $ 123,000 |
| St. Lucie County Florida | 4 | $ 394,000 | $ 98,000 | $ 35,000 |
| Blaine County Idaho | 4 | $ 1,561,000 | $ 390,000 | $ 102,000 |
| Sedgwick County Kansas | 4 | $ 466,000 | $ 116,000 | $ 65,000 |
| Hennepin County Minnesota | 4 | $ 870,000 | $ 217,000 | $ 92,000 |
| Cape Girardeau County Missouri | 4 | $ 310,000 | $ 77,000 | $ 97,000 |
| Clinton County Missouri | 4 | $ 429,000 | $ 107,000 | $ 62,000 |
| Saline County Missouri | 4 | $ 279,000 | $ 69,000 | $ 37,000 |
| St. Louis City County Missouri | 4 | $ 346,000 | $ 86,000 | $ 27,000 |
| Wright County Missouri | 4 | $ 512,000 | $ 128,000 | $ 26,000 |
| Douglas County Nevada | 4 | $ 784,000 | $ 196,000 | $ 68,000 |
| Santa Fe County New Mexico | 4 | $ 1,178,000 | $ 294,000 | $ 115,000 |
| Washington County Utah | 4 | $ 532,000 | $ 133,000 | $ 134,000 |
| Snohomish County Washington | 4 | $ 529,000 | $ 132,000 | $ 57,000 |
| Tehama County California | 3 | $ 443,000 | $ 147,000 | $ 101,000 |
| Brevard County Florida | 3 | $ 480,000 | $ 160,000 | $ 71,000 |
| Fulton County Georgia | 3 | $ 1,565,000 | $ 521,000 | $ 1,445,000 |
| Ada County Idaho | 3 | $ 536,000 | $ 178,000 | $ 47,000 |
| Bonneville County Idaho | 3 | $ 167,000 | $ 55,000 | $ 52,000 |
| Wyandotte County Kansas | 3 | $ 263,000 | $ 87,000 | $ 56,000 |
| Charles County Maryland | 3 | $ 671,000 | $ 223,000 | $ 87,000 |
| St. Louis County Minnesota | 3 | $ 512,000 | $ 170,000 | $ 102,000 |
| Buchanan County Missouri | 3 | $ 206,000 | $ 68,000 | $ 58,000 |
| Cass County Missouri | 3 | $ 408,000 | $ 136,000 | $ 48,000 |
| Lafayette County Missouri | 3 | $ 582,000 | $ 194,000 | $ 76,000 |
| Polk County Missouri | 3 | $ 217,000 | $ 72,000 | $ 45,000 |
| Ray County Missouri | 3 | $ 287,000 | $ 95,000 | $ 14,000 |
| Ripley County Missouri | 3 | $ 293,000 | $ 97,000 | $ 37,000 |
| Douglas County Nebraska | 3 | $ 239,000 | $ 79,000 | $ 42,000 |
| Weber County Utah | 3 | $ 533,000 | $ 177,000 | $ 50,000 |
| Loudoun County Virginia | 3 | $ 1,220,000 | $ 406,000 | $ 147,000 |
| Coconino County Arizona | 2 | $ 684,000 | $ 342,000 | $ 451,000 |
| Yavapai County Arizona | 2 | $ 192,000 | $ 96,000 | $ 42,000 |
| Inyo County California | 2 | $ 314,000 | $ 157,000 | $ 87,000 |
| Mariposa County California | 2 | $ 226,000 | $ 113,000 | $ 66,000 |
| Yuba County California | 2 | $ 246,000 | $ 123,000 | $ 86,000 |
| Archuleta County Colorado | 2 | $ 334,000 | $ 167,000 | $ 182,000 |
| Crowley County Colorado | 2 | $ 288,000 | $ 144,000 | $ 55,000 |
| Garfield County Colorado | 2 | $ 495,000 | $ 247,000 | $ 83,000 |
| Gilpin County Colorado | 2 | $ 642,000 | $ 321,000 | $ 104,000 |
| Rio Grande County Colorado | 2 | $ 293,000 | $ 146,000 | $ 101,000 |
| Litchfield County Connecticut | 2 | $ 135,000 | $ 67,000 | $ 48,000 |
| Alachua County Florida | 2 | $ 374,000 | $ 187,000 | $ 83,000 |
| Bay County Florida | 2 | $ 395,000 | $ 197,000 | $ 110,000 |
| Charlotte County Florida | 2 | $ 207,000 | $ 103,000 | $ 48,000 |
| Citrus County Florida | 2 | $ 153,000 | $ 76,000 | $ 82,000 |
| Escambia County Florida | 2 | $ 454,000 | $ 227,000 | $ 172,000 |
| Lee County Florida | 2 | $ 200,000 | $ 100,000 | $ 93,000 |
| Leon County Florida | 2 | $ 324,000 | $ 162,000 | $ 108,000 |
| Martin County Florida | 2 | $ 432,000 | $ 216,000 | $ 121,000 |
| Polk County Florida | 2 | $ 170,000 | $ 85,000 | $ 68,000 |
| Seminole County Florida | 2 | $ 574,000 | $ 287,000 | $ 144,000 |
| St. Johns County Florida | 2 | $ 343,000 | $ 171,000 | $ 49,000 |
| Hamilton County Indiana | 2 | $ 314,000 | $ 157,000 | $ 64,000 |
| Hendricks County Indiana | 2 | $ 563,000 | $ 281,000 | $ 101,000 |
| St. Joseph County Indiana | 2 | $ 658,000 | $ 329,000 | $ 134,000 |
| Tippecanoe County Indiana | 2 | $ 161,000 | $ 80,000 | $ 85,000 |
| Cherokee County Kansas | 2 | $ 108,000 | $ 54,000 | $ 45,000 |
| Miami County Kansas | 2 | $ 125,000 | $ 62,000 | $ 59,000 |
| Howard County Maryland | 2 | $ 467,000 | $ 233,000 | $ 146,000 |
| St. Mary's County Maryland | 2 | $ 366,000 | $ 183,000 | $ 124,000 |
| Oakland County Michigan | 2 | $ 309,000 | $ 154,000 | $ 80,000 |
| Anoka County Minnesota | 2 | $ 565,000 | $ 282,000 | $ 99,000 |
| Morrison County Minnesota | 2 | $ 245,000 | $ 122,000 | $ 62,000 |
| Benton County Missouri | 2 | $ 180,000 | $ 90,000 | $ 41,000 |
| Crawford County Missouri | 2 | $ 137,000 | $ 68,000 | $ 44,000 |
| Dallas County Missouri | 2 | $ 152,000 | $ 76,000 | $ 15,000 |
| Dent County Missouri | 2 | $ 147,000 | $ 73,000 | $ 30,000 |
| Franklin County Missouri | 2 | $ 166,000 | $ 83,000 | $ 34,000 |
| Platte County Missouri | 2 | $ 285,000 | $ 142,000 | $ 86,000 |
| Humboldt County Nevada | 2 | $ 121,000 | $ 60,000 | $ 58,000 |
| Lyon County Nevada | 2 | $ 262,000 | $ 131,000 | $ 81,000 |
| Sandoval County New Mexico | 2 | $ 610,000 | $ 305,000 | $ 108,000 |
| Socorro County New Mexico | 2 | $ 376,000 | $ 188,000 | $ 61,000 |
| Oklahoma County Oklahoma | 2 | $ 279,000 | $ 139,000 | $ 94,000 |
| Deschutes County Oregon | 2 | $ 508,000 | $ 254,000 | $ 103,000 |
| Lane County Oregon | 2 | $ 284,000 | $ 142,000 | $ 70,000 |
| Marion County Oregon | 2 | $ 248,000 | $ 124,000 | $ 110,000 |
| Multnomah County Oregon | 2 | $ 449,000 | $ 224,000 | $ 89,000 |
| Yamhill County Oregon | 2 | $ 335,000 | $ 167,000 | $ 65,000 |
| Utah County Utah | 2 | $ 329,000 | $ 164,000 | $ 69,000 |
| Arlington County Virginia | 2 | $ 573,000 | $ 286,000 | $ 100,000 |
| Chesterfield County Virginia | 2 | $ 628,000 | $ 314,000 | $ 348,000 |
| Hanover County Virginia | 2 | $ 495,000 | $ 247,000 | $ 96,000 |
| Salem County Virginia | 2 | $ 482,000 | $ 241,000 | $ 46,000 |
| Thurston County Washington | 2 | $ 457,000 | $ 228,000 | $ 103,000 |
| La Paz County Arizona | 1 | $ 90,000 | $ 90,000 | $ 96,000 |
| Mohave County Arizona | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Santa Cruz County Arizona | 1 | $ 77,000 | $ 77,000 | $ 376,000 |
| Carroll County Arkansas | 1 | $ 138,000 | $ 138,000 | $ 221,000 |
| Lassen County California | 1 | $ 204,000 | $ 204,000 | $ 117,000 |
| Siskiyou County California | 1 | $ 217,000 | $ 217,000 | $ 88,000 |
| Eagle County Colorado | 1 | $ 218,000 | $ 218,000 | $ 66,000 |
| Logan County Colorado | 1 | $ 107,000 | $ 107,000 | $ 68,000 |
| Mineral County Colorado | 1 | $ 126,000 | $ 126,000 | $ 67,000 |
| Montezuma County Colorado | 1 | $ 81,000 | $ 81,000 | $ 69,000 |
| Montrose County Colorado | 1 | $ 214,000 | $ 214,000 | $ 88,000 |
| Pueblo County Colorado | 1 | $ 145,000 | $ 145,000 | $ 65,000 |
| Summit County Colorado | 1 | $ 264,000 | $ 264,000 | $ 95,000 |
| Teller County Colorado | 1 | $ 227,000 | $ 227,000 | $ 96,000 |
| Middlesex County Connecticut | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| New London County Connecticut | 1 | $ 132,000 | $ 132,000 | $ 24,000 |
| Tolland County Connecticut | 1 | $ 140,000 | $ 140,000 | $ 52,000 |
| Lake County Florida | 1 | $ 165,000 | $ 165,000 | $ 99,000 |
| Marion County Florida | 1 | $ 173,000 | $ 173,000 | $ 80,000 |
| Okaloosa County Florida | 1 | $ 99,000 | $ 99,000 | $ 53,000 |
| Pasco County Florida | 1 | $ 225,000 | $ 225,000 | $ 45,000 |
| Pinellas County Florida | 1 | $ 320,000 | $ 320,000 | $ 258,000 |
| Volusia County Florida | 1 | $ 128,000 | $ 128,000 | $ 50,000 |
| Walton County Florida | 1 | $ 429,000 | $ 429,000 | $ 300,000 |
| Forsyth County Georgia | 1 | $ 264,000 | $ 264,000 | $ 147,000 |
| Gwinnett County Georgia | 1 | $ 312,000 | $ 312,000 | $ 510,000 |
| Boundary County Idaho | 1 | $ 63,000 | $ 63,000 | $ 24,000 |
| Gooding County Idaho | 1 | $ 86,000 | $ 86,000 | $ 58,000 |
| Jefferson County Idaho | 1 | $ 89,000 | $ 89,000 | $ 18,000 |
| Teton County Idaho | 1 | $ 220,000 | $ 220,000 | $ 88,000 |
| Twin Falls County Idaho | 1 | $ 149,000 | $ 149,000 | $ 80,000 |
| Lake County Illinois | 1 | $ 118,000 | $ 118,000 | $ 51,000 |
| McHenry County Illinois | 1 | $ 135,000 | $ 135,000 | $ 101,000 |
| Dearborn County Indiana | 1 | $ 247,000 | $ 247,000 | $ 589,000 |
| Elkhart County Indiana | 1 | $ 30,000 | $ 30,000 | $ 32,000 |
| Floyd County Indiana | 1 | $ 204,000 | $ 204,000 | $ 51,000 |
| Henry County Indiana | 1 | $ 97,000 | $ 97,000 | $ 62,000 |
| Marion County Indiana | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Noble County Indiana | 1 | $ 130,000 | $ 130,000 | $ 51,000 |
| Union County Indiana | 1 | $ 130,000 | $ 130,000 | $ 76,000 |
| Barton County Kansas | 1 | $ 70,000 | $ 70,000 | $ 232,000 |
| Crawford County Kansas | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Ellis County Kansas | 1 | $ 84,000 | $ 84,000 | $ 90,000 |
| Labette County Kansas | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| McPherson County Kansas | 1 | $ 460,000 | $ 460,000 | $ 160,000 |
| Shawnee County Kansas | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Sumner County Kansas | 1 | $ 76,000 | $ 76,000 | $ 74,000 |
| Campbell County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 31,000 |
| Carroll County Maryland | 1 | $ 202,000 | $ 202,000 | $ 144,000 |
| Queen Anne's County Maryland | 1 | $ 196,000 | $ 196,000 | $ 55,000 |
| Talbot County Maryland | 1 | $ 390,000 | $ 390,000 | $ 346,000 |
| Barry County Michigan | 1 | $ 170,000 | $ 170,000 | $ 46,000 |
| Iosco County Michigan | 1 | $ 144,000 | $ 144,000 | $ 40,000 |
| Washtenaw County Michigan | 1 | $ 323,000 | $ 323,000 | $ 143,000 |
| Wayne County Michigan | 1 | $ 76,000 | $ 76,000 | $ 102,000 |
| Beltrami County Minnesota | 1 | $ 220,000 | $ 220,000 | $ 88,000 |
| Chisago County Minnesota | 1 | $ 198,000 | $ 198,000 | $ 60,000 |
| Dakota County Minnesota | 1 | $ 319,000 | $ 319,000 | $ 146,000 |
| Lyon County Minnesota | 1 | $ 207,000 | $ 207,000 | $ 111,000 |
| Mille Lacs County Minnesota | 1 | $ 171,000 | $ 171,000 | $ 47,000 |
| Olmsted County Minnesota | 1 | $ 323,000 | $ 323,000 | $ 144,000 |
| Ramsey County Minnesota | 1 | $ 254,000 | $ 254,000 | $ 82,000 |
| Rice County Minnesota | 1 | $ 194,000 | $ 194,000 | $ 75,000 |
| Roseau County Minnesota | 1 | $ 96,000 | $ 96,000 | $ 61,000 |
| Wadena County Minnesota | 1 | $ 87,000 | $ 87,000 | $ 37,000 |
| Washington County Minnesota | 1 | $ 240,000 | $ 240,000 | $ 54,000 |
| Wright County Minnesota | 1 | $ 233,000 | $ 233,000 | $ 90,000 |
| Andrew County Missouri | 1 | $ 79,000 | $ 79,000 | $ 36,000 |
| Audrain County Missouri | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Barton County Missouri | 1 | $ 89,000 | $ 89,000 | $ 48,000 |
| Bates County Missouri | 1 | $ 2,000 | $ 2,000 | $ 73,000 |
| Caldwell County Missouri | 1 | $ 172,000 | $ 172,000 | $ 69,000 |
| Camden County Missouri | 1 | $ 104,000 | $ 104,000 | $ 38,000 |
| Daviess County Missouri | 1 | $ 143,000 | $ 143,000 | $ 78,000 |
| Henry County Missouri | 1 | $ 42,000 | $ 42,000 | $ 21,000 |
| Hickory County Missouri | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Iron County Missouri | 1 | $ 89,000 | $ 89,000 | $ 84,000 |
| Jefferson County Missouri | 1 | $ 118,000 | $ 118,000 | $ 62,000 |
| Laclede County Missouri | 1 | $ 96,000 | $ 96,000 | $ 69,000 |
| Lincoln County Missouri | 1 | $ 148,000 | $ 148,000 | $ 72,000 |
| Macon County Missouri | 1 | $ 73,000 | $ 73,000 | $ 35,000 |
| Mississippi County Missouri | 1 | $ 85,000 | $ 85,000 | $ 91,000 |
| Monroe County Missouri | 1 | $ 111,000 | $ 111,000 | $ 120,000 |
| Morgan County Missouri | 1 | $ 80,000 | $ 80,000 | $ 69,000 |
| New Madrid County Missouri | 1 | $ 86,000 | $ 86,000 | $ 82,000 |
| Pemiscot County Missouri | 1 | $ 117,000 | $ 117,000 | $ 99,000 |
| Phelps County Missouri | 1 | $ 69,000 | $ 69,000 | $ 49,000 |
| Pulaski County Missouri | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Ralls County Missouri | 1 | $ 121,000 | $ 121,000 | $ 48,000 |
| St. Clair County Missouri | 1 | $ 71,000 | $ 71,000 | $ 41,000 |
| St. Francois County Missouri | 1 | $ 92,000 | $ 92,000 | $ 49,000 |
| Sullivan County Missouri | 1 | $ 40,000 | $ 40,000 | $ 32,000 |
| Texas County Missouri | 1 | $ 77,000 | $ 77,000 | $ 37,000 |
| Warren County Missouri | 1 | $ 40,000 | $ 40,000 | $ 84,000 |
| Washington County Missouri | 1 | $ 72,000 | $ 72,000 | $ 59,000 |
| Wayne County Missouri | 1 | $ 73,000 | $ 73,000 | $ 42,000 |
| Carson City County Nevada | 1 | $ 143,000 | $ 143,000 | $ 68,000 |
| Dona Ana County New Mexico | 1 | $ 120,000 | $ 120,000 | $ 295,000 |
| Lea County New Mexico | 1 | $ 20,000 | $ 20,000 | $ 58,000 |
| Otero County New Mexico | 1 | $ 184,000 | $ 184,000 | $ 61,000 |
| Torrance County New Mexico | 1 | $ 72,000 | $ 72,000 | $ 36,000 |
| Valencia County New Mexico | 1 | $ 152,000 | $ 152,000 | $ 98,000 |
| Canadian County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Cleveland County Oklahoma | 1 | $ 133,000 | $ 133,000 | $ 58,000 |
| Rogers County Oklahoma | 1 | $ 113,000 | $ 113,000 | $ 50,000 |
| Benton County Oregon | 1 | $ 152,000 | $ 152,000 | $ 45,000 |
| Douglas County Oregon | 1 | $ 131,000 | $ 131,000 | $ 94,000 |
| Josephine County Oregon | 1 | $ 252,000 | $ 252,000 | $ 82,000 |
| Klamath County Oregon | 1 | $ 88,000 | $ 88,000 | $ 56,000 |
| Lincoln County Oregon | 1 | $ 163,000 | $ 163,000 | $ 102,000 |
| Box Elder County Utah | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Cache County Utah | 1 | $ 142,000 | $ 142,000 | $ 57,000 |
| Summit County Utah | 1 | $ 550,000 | $ 550,000 | $ 720,000 |
| Tooele County Utah | 1 | $ 114,000 | $ 114,000 | $ 38,000 |
| Henrico County Virginia | 1 | $ 93,000 | $ 93,000 | $ 66,000 |
| Manassas Park County Virginia | 1 | $ 248,000 | $ 248,000 | $ 94,000 |
| Orange County Virginia | 1 | $ 334,000 | $ 334,000 | $ 39,000 |
| Rappahannock County Virginia | 1 | $ 70,000 | $ 70,000 | $ 46,000 |
| Spotsylvania County Virginia | 1 | $ 323,000 | $ 323,000 | $ 184,000 |
| Virginia Beach County Virginia | 1 | $ 117,000 | $ 117,000 | $ 81,000 |
| Warren County Virginia | 1 | $ 189,000 | $ 189,000 | $ 235,000 |
| Franklin County Washington | 1 | $ 111,000 | $ 111,000 | $ 72,000 |
| Grant County Washington | 1 | $ 136,000 | $ 136,000 | $ 102,000 |
| Grays Harbor County Washington | 1 | $ 68,000 | $ 68,000 | $ 36,000 |
| Jefferson County Washington | 1 | $ 174,000 | $ 174,000 | $ 65,000 |
| Skagit County Washington | 1 | $ 154,000 | $ 154,000 | $ 69,000 |
| Spokane County Washington | 1 | $ 81,000 | $ 81,000 | $ 24,000 |
| Whatcom County Washington | 1 | $ 128,000 | $ 128,000 | $ 58,000 |
| Sweetwater County Wyoming | 1 | $ 114,000 | $ 114,000 | $ 85,000 |
| Teton County Wyoming | 1 | $ 236,000 | $ 236,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for American Sterling 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) | 6,503 | $1,403,535,000 | $182,192 | $2,500,000 | $95,615 | $1,293,000 |
| Home Purchase (one-to-four family) | 1,787 | $412,859,000 | $171,947 | $1,800,000 | $292,842 | $3,996,000 |
| Home Improvement (one-to-four family) | 11 | $129,000 | $30,500 | $54,000 | $88,000 | $150,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 4,179 | $899,589,000 | $165,800 | $1,800,000 | $89,920 | $1,293,000 |
| Information not provided by applicant in mail or telephone application | 2,666 | $603,325,000 | $188,086 | $2,500,000 | $92,652 | $893,000 |
| Hispanic | 812 | $165,830,000 | $148,000 | $984,000 | $73,083 | $607,000 |
| Asian or Pacific Islander | 402 | $96,349,000 | $181,571 | $750,000 | $75,857 | $657,000 |
| Black | 184 | $37,840,000 | $238,625 | $730,000 | $565,750 | $3,996,000 |
| Other | 47 | $11,108,000 | $221,500 | $639,000 | $58,500 | $273,000 |
| American Indian or Alaskan Native | 11 | $2,482,000 | $183,000 | $480,000 | $53,333 | $175,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 8,285 | $1,814,100,000 | $179,807 | $2,500,000 | $123,923 | $3,996,000 |
| FHA-insured (Federal Housing Administration) | 16 | $2,423,000 | $154,666 | $266,000 | $39,333 | $93,000 |
| 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 Originated | 5,158 | $1,116,272,000 | $183,090 | $1,800,000 | $101,272 | $1,135,000 |
| Application Approved But Not Accepted | 1,902 | $435,427,000 | $188,521 | $1,066,000 | $101,260 | $1,332,000 |
| Application Denied By Financial Institution | 860 | $176,950,000 | $175,190 | $900,000 | $256,523 | $3,996,000 |
| Application Withdrawn By Applicant | 264 | $61,933,000 | $191,357 | $2,500,000 | $70,428 | $691,000 |
| File Closed For Incompleteness | 117 | $25,941,000 | $190,333 | $1,000,000 | $79,222 | $480,000 |
| Loan Purchased By The 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 | 491 | $100,825,000 | $148,666 | $750,000 | $72,400 | $1,293,000 |
| Other | 143 | $31,774,000 | $190,000 | $900,000 | $416,909 | $3,996,000 |
| Debt-To-Income Ratio | 121 | $27,810,000 | $195,333 | $690,000 | $59,888 | $460,000 |
| Collateral | 72 | $11,399,000 | $143,615 | $413,000 | $90,076 | $376,000 |
| Unverifiable Information | 17 | $2,220,000 | $122,250 | $230,000 | $69,500 | $170,000 |
| Employment History | 13 | $2,067,000 | $171,750 | $350,000 | $60,000 | $86,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $855,000 | $324,500 | $444,000 | $64,000 | $128,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Sterling 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 American Sterling 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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with aggregated HMDA statistics today.