American Sterling Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
American Sterling 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 | 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 | 6,823 |
| Total Mortgage Loan Application Amount | $1,518,400,000 |
| Average Mortgage Loan Application Amount | $165,385 |
| Highest Mortgage Loan Application Amount | $1,330,000 |
| Average Applicant Income | $86,210 |
| Highest Applicant Income | $7,301,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Clark County Nevada | 1,175 | $ 213,103,000 | $ 181,000 | $ 86,000 |
| San Diego County California | 1,157 | $ 331,021,000 | $ 286,000 | $ 116,000 |
| Los Angeles County California | 756 | $ 190,919,000 | $ 252,000 | $ 102,000 |
| Orange County California | 637 | $ 187,941,000 | $ 295,000 | $ 132,000 |
| Riverside County California | 595 | $ 136,033,000 | $ 228,000 | $ 106,000 |
| San Bernardino County California | 450 | $ 86,279,000 | $ 191,000 | $ 96,000 |
| Maricopa County Arizona | 149 | $ 20,120,000 | $ 135,000 | $ 105,000 |
| Contra Costa County California | 98 | $ 23,588,000 | $ 240,000 | $ 131,000 |
| Denver County Colorado | 78 | $ 10,840,000 | $ 138,000 | $ 86,000 |
| Sacramento County California | 76 | $ 13,390,000 | $ 176,000 | $ 75,000 |
| Alameda County California | 68 | $ 18,468,000 | $ 271,000 | $ 96,000 |
| Pima County Arizona | 60 | $ 6,484,000 | $ 108,000 | $ 69,000 |
| San Joaquin County California | 50 | $ 10,791,000 | $ 215,000 | $ 96,000 |
| Arapahoe County Colorado | 49 | $ 7,870,000 | $ 160,000 | $ 80,000 |
| Jackson County Missouri | 49 | $ 3,440,000 | $ 70,000 | $ 66,000 |
| Larimer County Colorado | 47 | $ 8,683,000 | $ 184,000 | $ 69,000 |
| Ventura County California | 45 | $ 13,684,000 | $ 304,000 | $ 126,000 |
| Kern County California | 43 | $ 6,198,000 | $ 144,000 | $ 72,000 |
| St. Louis County Missouri | 38 | $ 3,652,000 | $ 96,000 | $ 71,000 |
| Adams County Colorado | 33 | $ 4,923,000 | $ 149,000 | $ 69,000 |
| Solano County California | 32 | $ 8,003,000 | $ 250,000 | $ 120,000 |
| Jefferson County Colorado | 31 | $ 6,665,000 | $ 215,000 | $ 95,000 |
| Santa Clara County California | 30 | $ 9,491,000 | $ 316,000 | $ 204,000 |
| Weld County Colorado | 27 | $ 4,909,000 | $ 181,000 | $ 94,000 |
| Mohave County Arizona | 26 | $ 2,837,000 | $ 109,000 | $ 83,000 |
| San Mateo County California | 23 | $ 7,769,000 | $ 337,000 | $ 134,000 |
| Fresno County California | 22 | $ 3,389,000 | $ 154,000 | $ 88,000 |
| Sonoma County California | 21 | $ 5,723,000 | $ 272,000 | $ 116,000 |
| Stanislaus County California | 21 | $ 3,330,000 | $ 158,000 | $ 74,000 |
| El Paso County Colorado | 20 | $ 2,545,000 | $ 127,000 | $ 68,000 |
| El Dorado County California | 19 | $ 5,283,000 | $ 278,000 | $ 240,000 |
| Placer County California | 19 | $ 5,721,000 | $ 301,000 | $ 151,000 |
| King County Washington | 18 | $ 4,808,000 | $ 267,000 | $ 99,000 |
| Nye County Nevada | 15 | $ 2,785,000 | $ 185,000 | $ 88,000 |
| Tulare County California | 14 | $ 2,585,000 | $ 184,000 | $ 84,000 |
| Washoe County Nevada | 14 | $ 3,437,000 | $ 245,000 | $ 99,000 |
| Douglas County Colorado | 13 | $ 3,594,000 | $ 276,000 | $ 128,000 |
| Salt Lake County Utah | 13 | $ 2,094,000 | $ 161,000 | $ 87,000 |
| San Francisco County California | 12 | $ 4,399,000 | $ 366,000 | $ 151,000 |
| Greene County Missouri | 12 | $ 1,433,000 | $ 119,000 | $ 77,000 |
| Yuma County Arizona | 11 | $ 1,482,000 | $ 134,000 | $ 110,000 |
| Amador County California | 10 | $ 1,873,000 | $ 187,000 | $ 88,000 |
| Lake County California | 10 | $ 1,992,000 | $ 199,000 | $ 223,000 |
| New Haven County Connecticut | 10 | $ 1,333,000 | $ 133,000 | $ 97,000 |
| Johnson County Kansas | 10 | $ 1,502,000 | $ 150,000 | $ 102,000 |
| Monterey County California | 9 | $ 2,997,000 | $ 333,000 | $ 142,000 |
| San Luis Obispo County California | 9 | $ 2,003,000 | $ 222,000 | $ 85,000 |
| Miami-Dade County Florida | 9 | $ 2,527,000 | $ 280,000 | $ 184,000 |
| Honolulu County Hawaii | 9 | $ 3,231,000 | $ 359,000 | $ 132,000 |
| Imperial County California | 8 | $ 1,009,000 | $ 126,000 | $ 53,000 |
| Boulder County Colorado | 8 | $ 1,316,000 | $ 164,000 | $ 58,000 |
| Broward County Florida | 8 | $ 1,064,000 | $ 133,000 | $ 86,000 |
| Oakland County Michigan | 8 | $ 1,398,000 | $ 174,000 | $ 117,000 |
| Christian County Missouri | 8 | $ 876,000 | $ 109,000 | $ 53,000 |
| Yavapai County Arizona | 7 | $ 1,451,000 | $ 207,000 | $ 138,000 |
| Nevada County California | 7 | $ 2,028,000 | $ 289,000 | $ 128,000 |
| Lee County Florida | 7 | $ 800,000 | $ 114,000 | $ 63,000 |
| Wayne County Michigan | 7 | $ 875,000 | $ 125,000 | $ 145,000 |
| Hennepin County Minnesota | 7 | $ 1,512,000 | $ 216,000 | $ 138,000 |
| Fairfax County Virginia | 7 | $ 1,635,000 | $ 233,000 | $ 78,000 |
| Snohomish County Washington | 7 | $ 1,308,000 | $ 186,000 | $ 82,000 |
| Santa Barbara County California | 6 | $ 1,645,000 | $ 274,000 | $ 94,000 |
| Yolo County California | 6 | $ 795,000 | $ 132,000 | $ 50,000 |
| Hartford County Connecticut | 6 | $ 808,000 | $ 134,000 | $ 73,000 |
| Hillsborough County Florida | 6 | $ 840,000 | $ 140,000 | $ 48,000 |
| Montgomery County Maryland | 6 | $ 1,580,000 | $ 263,000 | $ 108,000 |
| Prince George's County Maryland | 6 | $ 1,059,000 | $ 176,000 | $ 88,000 |
| Taney County Missouri | 6 | $ 577,000 | $ 96,000 | $ 84,000 |
| Pierce County Washington | 6 | $ 787,000 | $ 131,000 | $ 60,000 |
| Cochise County Arizona | 5 | $ 779,000 | $ 155,000 | $ 87,000 |
| Santa Cruz County Arizona | 5 | $ 291,000 | $ 58,000 | $ 26,000 |
| Humboldt County California | 5 | $ 929,000 | $ 185,000 | $ 122,000 |
| Merced County California | 5 | $ 900,000 | $ 180,000 | $ 37,000 |
| Shasta County California | 5 | $ 725,000 | $ 145,000 | $ 284,000 |
| Pueblo County Colorado | 5 | $ 802,000 | $ 160,000 | $ 195,000 |
| St. Johns County Florida | 5 | $ 1,553,000 | $ 310,000 | $ 113,000 |
| Jefferson County Kentucky | 5 | $ 1,160,000 | $ 232,000 | $ 69,000 |
| Anne Arundel County Maryland | 5 | $ 1,011,000 | $ 202,000 | $ 67,000 |
| Baltimore County Maryland | 5 | $ 681,000 | $ 136,000 | $ 68,000 |
| Howard County Maryland | 5 | $ 798,000 | $ 159,000 | $ 64,000 |
| Bristol County Massachusetts | 5 | $ 1,833,000 | $ 366,000 | $ 263,000 |
| Platte County Missouri | 5 | $ 723,000 | $ 144,000 | $ 115,000 |
| Stone County Missouri | 5 | $ 511,000 | $ 102,000 | $ 67,000 |
| Clackamas County Oregon | 5 | $ 992,000 | $ 198,000 | $ 68,000 |
| Sutter County California | 4 | $ 591,000 | $ 147,000 | $ 82,000 |
| Yuba County California | 4 | $ 647,000 | $ 161,000 | $ 67,000 |
| Brevard County Florida | 4 | $ 409,000 | $ 102,000 | $ 58,000 |
| Pinellas County Florida | 4 | $ 360,000 | $ 90,000 | $ 82,000 |
| Sarasota County Florida | 4 | $ 470,000 | $ 117,000 | $ 42,000 |
| Finney County Kansas | 4 | $ 362,000 | $ 90,000 | $ 96,000 |
| Fayette County Kentucky | 4 | $ 596,000 | $ 149,000 | $ 91,000 |
| Carroll County Maryland | 4 | $ 870,000 | $ 217,000 | $ 62,000 |
| Kalamazoo County Michigan | 4 | $ 504,000 | $ 126,000 | $ 52,000 |
| Kent County Michigan | 4 | $ 328,000 | $ 82,000 | $ 80,000 |
| Macomb County Michigan | 4 | $ 491,000 | $ 122,000 | $ 95,000 |
| Sherburne County Minnesota | 4 | $ 861,000 | $ 215,000 | $ 199,000 |
| Washington County Minnesota | 4 | $ 694,000 | $ 173,000 | $ 80,000 |
| Clay County Missouri | 4 | $ 691,000 | $ 172,000 | $ 244,000 |
| Webster County Missouri | 4 | $ 362,000 | $ 90,000 | $ 47,000 |
| Douglas County Nevada | 4 | $ 907,000 | $ 226,000 | $ 59,000 |
| Rockingham County New Hampshire | 4 | $ 724,000 | $ 181,000 | $ 48,000 |
| Multnomah County Oregon | 4 | $ 779,000 | $ 194,000 | $ 46,000 |
| Chesapeake County Virginia | 4 | $ 525,000 | $ 131,000 | $ 84,000 |
| Thurston County Washington | 4 | $ 687,000 | $ 171,000 | $ 77,000 |
| Anchorage County Alaska | 3 | $ 489,000 | $ 163,000 | $ 88,000 |
| Fairbanks North Star County Alaska | 3 | $ 254,000 | $ 84,000 | $ 69,000 |
| Pinal County Arizona | 3 | $ 384,000 | $ 128,000 | $ 69,000 |
| Calaveras County California | 3 | $ 740,000 | $ 246,000 | $ 64,000 |
| Marin County California | 3 | $ 760,000 | $ 253,000 | $ 93,000 |
| Santa Cruz County California | 3 | $ 1,191,000 | $ 397,000 | $ 99,000 |
| Fairfield County Connecticut | 3 | $ 1,447,000 | $ 482,000 | $ 168,000 |
| Bay County Florida | 3 | $ 373,000 | $ 124,000 | $ 85,000 |
| Duval County Florida | 3 | $ 366,000 | $ 122,000 | $ 40,000 |
| Lake County Florida | 3 | $ 496,000 | $ 165,000 | $ 148,000 |
| Osceola County Florida | 3 | $ 292,000 | $ 97,000 | $ 46,000 |
| Palm Beach County Florida | 3 | $ 792,000 | $ 264,000 | $ 116,000 |
| St. Lucie County Florida | 3 | $ 303,000 | $ 101,000 | $ 149,000 |
| Volusia County Florida | 3 | $ 341,000 | $ 113,000 | $ 60,000 |
| Sedgwick County Kansas | 3 | $ 123,000 | $ 41,000 | $ 49,000 |
| Anoka County Minnesota | 3 | $ 562,000 | $ 187,000 | $ 87,000 |
| Jasper County Missouri | 3 | $ 250,000 | $ 83,000 | $ 50,000 |
| St. Charles County Missouri | 3 | $ 832,000 | $ 277,000 | $ 153,000 |
| Weber County Utah | 3 | $ 313,000 | $ 104,000 | $ 48,000 |
| Loudoun County Virginia | 3 | $ 429,000 | $ 143,000 | $ 68,000 |
| Petersburg County Virginia | 3 | $ 138,000 | $ 46,000 | $ 55,000 |
| Prince William County Virginia | 3 | $ 460,000 | $ 153,000 | $ 62,000 |
| Spotsylvania County Virginia | 3 | $ 654,000 | $ 218,000 | $ 67,000 |
| Kitsap County Washington | 3 | $ 310,000 | $ 103,000 | $ 60,000 |
| Spokane County Washington | 3 | $ 258,000 | $ 86,000 | $ 59,000 |
| Whatcom County Washington | 3 | $ 442,000 | $ 147,000 | $ 54,000 |
| Denali County Alaska | 2 | $ 140,000 | $ 70,000 | $ 81,000 |
| La Paz County Arizona | 2 | $ 259,000 | $ 129,000 | $ 50,000 |
| Inyo County California | 2 | $ 324,000 | $ 162,000 | $ 72,000 |
| Kings County California | 2 | $ 154,000 | $ 77,000 | $ 119,000 |
| Mono County California | 2 | $ 358,000 | $ 179,000 | $ 52,000 |
| Napa County California | 2 | $ 769,000 | $ 384,000 | $ 105,000 |
| Tehama County California | 2 | $ 228,000 | $ 114,000 | $ 47,000 |
| Broomfield County Colorado | 2 | $ 295,000 | $ 147,000 | $ 54,000 |
| Logan County Colorado | 2 | $ 222,000 | $ 111,000 | $ 28,000 |
| Mesa County Colorado | 2 | $ 245,000 | $ 122,000 | $ 36,000 |
| Park County Colorado | 2 | $ 160,000 | $ 80,000 | $ 44,000 |
| Collier County Florida | 2 | $ 998,000 | $ 499,000 | $ 1,127,000 |
| Martin County Florida | 2 | $ 339,000 | $ 169,000 | $ 92,000 |
| Orange County Florida | 2 | $ 212,000 | $ 106,000 | $ 78,000 |
| Hawaii County Hawaii | 2 | $ 567,000 | $ 283,000 | $ 114,000 |
| Maui County Hawaii | 2 | $ 378,000 | $ 189,000 | $ 74,000 |
| Madison County Idaho | 2 | $ 113,000 | $ 56,000 | $ 66,000 |
| Polk County Iowa | 2 | $ 255,000 | $ 127,000 | $ 53,000 |
| Shawnee County Kansas | 2 | $ 219,000 | $ 109,000 | $ 57,000 |
| Queen Anne's County Maryland | 2 | $ 330,000 | $ 165,000 | $ 46,000 |
| Genesee County Michigan | 2 | $ 130,000 | $ 65,000 | $ 66,000 |
| Luce County Michigan | 2 | $ 106,000 | $ 53,000 | $ 59,000 |
| Carver County Minnesota | 2 | $ 675,000 | $ 337,000 | $ 105,000 |
| Chippewa County Minnesota | 2 | $ 85,000 | $ 42,000 | $ 43,000 |
| Ramsey County Minnesota | 2 | $ 252,000 | $ 126,000 | $ 67,000 |
| Jefferson County Missouri | 2 | $ 112,000 | $ 56,000 | $ 58,000 |
| Saline County Missouri | 2 | $ 175,000 | $ 87,000 | $ 64,000 |
| St. Louis City County Missouri | 2 | $ 205,000 | $ 102,000 | $ 63,000 |
| Cascade County Montana | 2 | $ 206,000 | $ 103,000 | $ 36,000 |
| Yellowstone County Montana | 2 | $ 163,000 | $ 81,000 | $ 53,000 |
| Hillsborough County New Hampshire | 2 | $ 290,000 | $ 145,000 | $ 67,000 |
| Bernalillo County New Mexico | 2 | $ 251,000 | $ 125,000 | $ 80,000 |
| Stark County North Dakota | 2 | $ 148,000 | $ 74,000 | $ 65,000 |
| Coos County Oregon | 2 | $ 131,000 | $ 65,000 | $ 53,000 |
| Crook County Oregon | 2 | $ 238,000 | $ 119,000 | $ 106,000 |
| Deschutes County Oregon | 2 | $ 204,000 | $ 102,000 | $ 153,000 |
| Grant County Oregon | 2 | $ 121,000 | $ 60,000 | $ 55,000 |
| Linn County Oregon | 2 | $ 135,000 | $ 67,000 | $ 60,000 |
| Marion County Oregon | 2 | $ 301,000 | $ 150,000 | $ 107,000 |
| Cache County Utah | 2 | $ 244,000 | $ 122,000 | $ 21,000 |
| Davis County Utah | 2 | $ 320,000 | $ 160,000 | $ 49,000 |
| Virginia Beach County Virginia | 2 | $ 270,000 | $ 135,000 | $ 65,000 |
| Kenai Peninsula County Alaska | 1 | $ 232,000 | $ 232,000 | $ 115,000 |
| Matanuska-Susitna County Alaska | 1 | $ 208,000 | $ 208,000 | $ 85,000 |
| Coconino County Arizona | 1 | $ 106,000 | $ 106,000 | $ 25,000 |
| Butte County California | 1 | $ 225,000 | $ 225,000 | $ 157,000 |
| Madera County California | 1 | $ 69,000 | $ 69,000 | $ 122,000 |
| Mendocino County California | 1 | $ 740,000 | $ 740,000 | $ 161,000 |
| Plumas County California | 1 | $ 95,000 | $ 95,000 | $ 123,000 |
| San Benito County California | 1 | $ 396,000 | $ 396,000 | $ 102,000 |
| Sierra County California | 1 | $ 180,000 | $ 180,000 | $ 90,000 |
| Tuolumne County California | 1 | $ 165,000 | $ 165,000 | $ 316,000 |
| Crowley County Colorado | 1 | $ 59,000 | $ 59,000 | $ 36,000 |
| Custer County Colorado | 1 | $ 134,000 | $ 134,000 | $ 58,000 |
| Grand County Colorado | 1 | $ 181,000 | $ 181,000 | $ 911,000 |
| Montrose County Colorado | 1 | $ 123,000 | $ 123,000 | $ 42,000 |
| Pitkin County Colorado | 1 | $ 72,000 | $ 72,000 | $ 114,000 |
| Litchfield County Connecticut | 1 | $ 144,000 | $ 144,000 | $ 97,000 |
| New London County Connecticut | 1 | $ 192,000 | $ 192,000 | $ 125,000 |
| Alachua County Florida | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
| Charlotte County Florida | 1 | $ 71,000 | $ 71,000 | $ 43,000 |
| Clay County Florida | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Escambia County Florida | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Indian River County Florida | 1 | $ 138,000 | $ 138,000 | $ 660,000 |
| Okaloosa County Florida | 1 | $ 238,000 | $ 238,000 | $ 120,000 |
| Pasco County Florida | 1 | $ 180,000 | $ 180,000 | $ 87,000 |
| Seminole County Florida | 1 | $ 148,000 | $ 148,000 | $ 66,000 |
| Jefferson County Idaho | 1 | $ 164,000 | $ 164,000 | $ 94,000 |
| Will County Illinois | 1 | $ 178,000 | $ 178,000 | $ 78,000 |
| Allen County Indiana | 1 | $ 163,000 | $ 163,000 | $ 48,000 |
| Fayette County Indiana | 1 | $ 136,000 | $ 136,000 | $ 54,000 |
| Hamilton County Indiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Hancock County Indiana | 1 | $ 112,000 | $ 112,000 | $ 59,000 |
| Hendricks County Indiana | 1 | $ 122,000 | $ 122,000 | $ 51,000 |
| Howard County Indiana | 1 | $ 88,000 | $ 88,000 | $ 45,000 |
| Marion County Indiana | 1 | $ 91,000 | $ 91,000 | $ 120,000 |
| Porter County Indiana | 1 | $ 117,000 | $ 117,000 | $ 60,000 |
| Rush County Indiana | 1 | $ 83,000 | $ 83,000 | $ 48,000 |
| Washington County Indiana | 1 | $ 430,000 | $ 430,000 | $ 0 |
| Black Hawk County Iowa | 1 | $ 57,000 | $ 57,000 | $ 30,000 |
| Cedar County Iowa | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Clay County Iowa | 1 | $ 122,000 | $ 122,000 | $ 49,000 |
| Des Moines County Iowa | 1 | $ 72,000 | $ 72,000 | $ 67,000 |
| Lyon County Iowa | 1 | $ 50,000 | $ 50,000 | $ 40,000 |
| Poweshiek County Iowa | 1 | $ 178,000 | $ 178,000 | $ 60,000 |
| Scott County Iowa | 1 | $ 189,000 | $ 189,000 | $ 79,000 |
| Butler County Kansas | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Miami County Kansas | 1 | $ 140,000 | $ 140,000 | $ 68,000 |
| Wyandotte County Kansas | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Barren County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 72,000 |
| Bell County Kentucky | 1 | $ 170,000 | $ 170,000 | $ 95,000 |
| Knox County Kentucky | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Rowan County Kentucky | 1 | $ 171,000 | $ 171,000 | $ 79,000 |
| Warren County Kentucky | 1 | $ 107,000 | $ 107,000 | $ 49,000 |
| Whitley County Kentucky | 1 | $ 63,000 | $ 63,000 | $ 81,000 |
| Woodford County Kentucky | 1 | $ 505,000 | $ 505,000 | $ 165,000 |
| Allegany County Maryland | 1 | $ 121,000 | $ 121,000 | $ 96,000 |
| Baltimore City County Maryland | 1 | $ 90,000 | $ 90,000 | $ 39,000 |
| Charles County Maryland | 1 | $ 186,000 | $ 186,000 | $ 140,000 |
| Garrett County Maryland | 1 | $ 112,000 | $ 112,000 | $ 33,000 |
| Talbot County Maryland | 1 | $ 188,000 | $ 188,000 | $ 106,000 |
| Worcester County Maryland | 1 | $ 550,000 | $ 550,000 | $ 120,000 |
| Berkshire County Massachusetts | 1 | $ 139,000 | $ 139,000 | $ 50,000 |
| Hampshire County Massachusetts | 1 | $ 158,000 | $ 158,000 | $ 25,000 |
| Branch County Michigan | 1 | $ 210,000 | $ 210,000 | $ 72,000 |
| Emmet County Michigan | 1 | $ 148,000 | $ 148,000 | $ 66,000 |
| Ionia County Michigan | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Livingston County Michigan | 1 | $ 369,000 | $ 369,000 | $ 108,000 |
| Mackinac County Michigan | 1 | $ 174,000 | $ 174,000 | $ 89,000 |
| Mason County Michigan | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
| Monroe County Michigan | 1 | $ 130,000 | $ 130,000 | $ 31,000 |
| Oscoda County Michigan | 1 | $ 105,000 | $ 105,000 | $ 17,000 |
| Washtenaw County Michigan | 1 | $ 130,000 | $ 130,000 | $ 37,000 |
| Wexford County Michigan | 1 | $ 40,000 | $ 40,000 | $ 54,000 |
| Clay County Minnesota | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
| Crow Wing County Minnesota | 1 | $ 190,000 | $ 190,000 | $ 102,000 |
| Dakota County Minnesota | 1 | $ 281,000 | $ 281,000 | $ 50,000 |
| Marshall County Minnesota | 1 | $ 90,000 | $ 90,000 | $ 59,000 |
| McLeod County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 115,000 |
| Scott County Minnesota | 1 | $ 64,000 | $ 64,000 | $ 36,000 |
| Stearns County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 61,000 |
| Steele County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Wright County Minnesota | 1 | $ 148,000 | $ 148,000 | $ 69,000 |
| Butler County Missouri | 1 | $ 183,000 | $ 183,000 | $ 135,000 |
| Cass County Missouri | 1 | $ 120,000 | $ 120,000 | $ 130,000 |
| Lawrence County Missouri | 1 | $ 98,000 | $ 98,000 | $ 57,000 |
| McDonald County Missouri | 1 | $ 83,000 | $ 83,000 | $ 22,000 |
| Pemiscot County Missouri | 1 | $ 60,000 | $ 60,000 | $ 26,000 |
| Pettis County Missouri | 1 | $ 49,000 | $ 49,000 | $ 66,000 |
| Stoddard County Missouri | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Flathead County Montana | 1 | $ 234,000 | $ 234,000 | $ 45,000 |
| Gallatin County Montana | 1 | $ 162,000 | $ 162,000 | $ 56,000 |
| Lewis and Clark County Montana | 1 | $ 118,000 | $ 118,000 | $ 43,000 |
| Silver Bow County Montana | 1 | $ 82,000 | $ 82,000 | $ 46,000 |
| Buffalo County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 79,000 |
| Dakota County Nebraska | 1 | $ 77,000 | $ 77,000 | $ 27,000 |
| Douglas County Nebraska | 1 | $ 93,000 | $ 93,000 | $ 44,000 |
| Elko County Nevada | 1 | $ 139,000 | $ 139,000 | $ 106,000 |
| Belknap County New Hampshire | 1 | $ 160,000 | $ 160,000 | $ 125,000 |
| Carroll County New Hampshire | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Lea County New Mexico | 1 | $ 63,000 | $ 63,000 | $ 58,000 |
| McKinley County New Mexico | 1 | $ 244,000 | $ 244,000 | $ 157,000 |
| Kay County Oklahoma | 1 | $ 131,000 | $ 131,000 | $ 57,000 |
| Oklahoma County Oklahoma | 1 | $ 127,000 | $ 127,000 | $ 54,000 |
| Benton County Oregon | 1 | $ 60,000 | $ 60,000 | $ 82,000 |
| Tillamook County Oregon | 1 | $ 128,000 | $ 128,000 | $ 63,000 |
| Washington County Oregon | 1 | $ 128,000 | $ 128,000 | $ 70,000 |
| Box Elder County Utah | 1 | $ 126,000 | $ 126,000 | $ 100,000 |
| Morgan County Utah | 1 | $ 153,000 | $ 153,000 | $ 170,000 |
| Utah County Utah | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Washington County Utah | 1 | $ 176,000 | $ 176,000 | $ 100,000 |
| Amherst County Virginia | 1 | $ 260,000 | $ 260,000 | $ 74,000 |
| Arlington County Virginia | 1 | $ 185,000 | $ 185,000 | $ 35,000 |
| Caroline County Virginia | 1 | $ 252,000 | $ 252,000 | $ 107,000 |
| Chesterfield County Virginia | 1 | $ 491,000 | $ 491,000 | $ 180,000 |
| Fairfax City County Virginia | 1 | $ 334,000 | $ 334,000 | $ 102,000 |
| Halifax County Virginia | 1 | $ 20,000 | $ 20,000 | $ 62,000 |
| Hampton County Virginia | 1 | $ 108,000 | $ 108,000 | $ 55,000 |
| James City County Virginia | 1 | $ 167,000 | $ 167,000 | $ 59,000 |
| King George County Virginia | 1 | $ 128,000 | $ 128,000 | $ 111,000 |
| Louisa County Virginia | 1 | $ 136,000 | $ 136,000 | $ 92,000 |
| Warren County Virginia | 1 | $ 142,000 | $ 142,000 | $ 39,000 |
| Clallam County Washington | 1 | $ 112,000 | $ 112,000 | $ 45,000 |
| Cowlitz County Washington | 1 | $ 103,000 | $ 103,000 | $ 207,000 |
| Island County Washington | 1 | $ 168,000 | $ 168,000 | $ 111,000 |
| Lewis County Washington | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Yakima County Washington | 1 | $ 456,000 | $ 456,000 | $ 119,000 |
| Campbell County Wyoming | 1 | $ 278,000 | $ 278,000 | $ 130,000 |
| Fremont County Wyoming | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Goshen County Wyoming | 1 | $ 56,000 | $ 56,000 | $ 56,000 |
| Park County Wyoming | 1 | $ 103,000 | $ 103,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for American Sterling 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 | 3,626 | $806,936,000 | $161,862 | $1,005,000 | $81,620 | $1,500,000 |
| Home Purchase | 3,178 | $710,881,000 | $174,185 | $1,330,000 | $92,555 | $7,301,000 |
| Home Improvement | 19 | $583,000 | $30,000 | $130,000 | $48,000 | $156,000 |
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 | 3,247 | $733,887,000 | $174,107 | $1,330,000 | $86,178 | $2,180,000 |
| Not Provided | 1,408 | $317,608,000 | $148,285 | $1,100,000 | $79,071 | $7,301,000 |
| Hispanic | 1,302 | $271,270,000 | $159,529 | $746,000 | $89,117 | $748,000 |
| Asian | 504 | $121,337,000 | $188,875 | $850,000 | $81,750 | $540,000 |
| Black or African American | 249 | $50,679,000 | $170,090 | $980,000 | $80,454 | $396,000 |
| Native Hawaiian or Other Pacific Islander | 84 | $17,263,000 | $239,500 | $484,000 | $132,333 | $1,460,000 |
| American Indian or Alaskan Native | 27 | $6,133,000 | $174,333 | $500,000 | $92,000 | $327,000 |
| Not applicable | 2 | $223,000 | $111,500 | $139,000 | $95,500 | $138,000 |
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) | 6,805 | $1,515,639,000 | $160,516 | $1,330,000 | $83,677 | $7,301,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,761,000 | $167,333 | $325,000 | $46,000 | $63,000 |
| 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 | 3,222 | $760,229,000 | $164,840 | $1,233,000 | $89,720 | $7,301,000 |
| Application Approved But Not Accepted | 1,666 | $390,808,000 | $179,482 | $1,000,000 | $77,689 | $961,000 |
| Application Denied By Financial Institution | 1,244 | $232,301,000 | $157,576 | $1,330,000 | $90,846 | $1,500,000 |
| File Closed For Incompleteness | 409 | $80,851,000 | $144,444 | $959,000 | $88,833 | $566,000 |
| Application Withdrawn By Applicant | 192 | $38,017,000 | $139,076 | $806,000 | $128,692 | $2,180,000 |
| Preapproval Approved but not Accepted | 66 | $13,309,000 | $201,000 | $500,000 | $83,000 | $196,000 |
| Preapproval Denied by Financial Institution | 24 | $2,885,000 | $120,000 | $360,000 | $68,000 | $178,000 |
| 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 | 629 | $112,821,000 | $154,045 | $980,000 | $82,500 | $1,080,000 |
| Other | 326 | $65,619,000 | $179,058 | $1,000,000 | $80,823 | $1,500,000 |
| Debt-To-Income Ratio | 178 | $33,720,000 | $125,928 | $647,000 | $79,285 | $660,000 |
| Collateral | 62 | $11,122,000 | $167,857 | $1,330,000 | $108,142 | $504,000 |
| Employment History | 38 | $5,551,000 | $139,400 | $363,000 | $57,600 | $204,000 |
| Unverifiable Information | 25 | $4,928,000 | $178,250 | $616,000 | $110,000 | $252,000 |
| Credit Application Incomplete | 6 | $538,000 | $82,250 | $221,000 | $120,750 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $887,000 | $204,333 | $332,000 | $64,000 | $107,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Sterling 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 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.