American Sterling Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
American Sterling 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 | 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 | 4,405 |
| Total Mortgage Loan Application Amount | $1,184,447,000 |
| Average Mortgage Loan Application Amount | $177,661 |
| Highest Mortgage Loan Application Amount | $2,275,000 |
| Average Applicant Income | $97,423 |
| Highest Applicant Income | $2,220,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 607 | $ 136,243,000 | $ 224,000 | $ 121,000 |
| Los Angeles County California | 586 | $ 181,533,000 | $ 309,000 | $ 119,000 |
| Orange County California | 481 | $ 180,010,000 | $ 374,000 | $ 133,000 |
| San Diego County California | 419 | $ 145,864,000 | $ 348,000 | $ 120,000 |
| Riverside County California | 382 | $ 104,220,000 | $ 272,000 | $ 106,000 |
| San Bernardino County California | 350 | $ 83,894,000 | $ 239,000 | $ 119,000 |
| Maricopa County Arizona | 183 | $ 33,882,000 | $ 185,000 | $ 83,000 |
| Sacramento County California | 49 | $ 11,589,000 | $ 236,000 | $ 98,000 |
| Honolulu County Hawaii | 46 | $ 18,856,000 | $ 409,000 | $ 121,000 |
| Kern County California | 43 | $ 9,008,000 | $ 209,000 | $ 94,000 |
| Contra Costa County California | 37 | $ 12,382,000 | $ 334,000 | $ 85,000 |
| Jackson County Missouri | 34 | $ 2,027,000 | $ 59,000 | $ 39,000 |
| Arapahoe County Colorado | 33 | $ 6,888,000 | $ 208,000 | $ 97,000 |
| Ventura County California | 31 | $ 12,004,000 | $ 387,000 | $ 161,000 |
| Denver County Colorado | 31 | $ 5,181,000 | $ 167,000 | $ 82,000 |
| Alameda County California | 30 | $ 10,374,000 | $ 345,000 | $ 146,000 |
| San Joaquin County California | 29 | $ 8,412,000 | $ 290,000 | $ 135,000 |
| Solano County California | 28 | $ 8,195,000 | $ 292,000 | $ 148,000 |
| Imperial County California | 27 | $ 4,641,000 | $ 171,000 | $ 66,000 |
| Mohave County Arizona | 25 | $ 3,979,000 | $ 159,000 | $ 85,000 |
| Fresno County California | 24 | $ 5,008,000 | $ 208,000 | $ 72,000 |
| Santa Clara County California | 24 | $ 8,636,000 | $ 359,000 | $ 132,000 |
| Larimer County Colorado | 23 | $ 4,860,000 | $ 211,000 | $ 75,000 |
| Pinal County Arizona | 22 | $ 3,345,000 | $ 152,000 | $ 74,000 |
| Yuma County Arizona | 22 | $ 2,946,000 | $ 133,000 | $ 76,000 |
| Adams County Colorado | 21 | $ 3,159,000 | $ 150,000 | $ 77,000 |
| Pima County Arizona | 20 | $ 3,180,000 | $ 159,000 | $ 95,000 |
| Jefferson County Colorado | 20 | $ 2,586,000 | $ 129,000 | $ 96,000 |
| Hawaii County Hawaii | 20 | $ 5,537,000 | $ 276,000 | $ 95,000 |
| Tulare County California | 19 | $ 3,091,000 | $ 162,000 | $ 124,000 |
| Maui County Hawaii | 19 | $ 8,741,000 | $ 460,000 | $ 170,000 |
| Stanislaus County California | 17 | $ 4,045,000 | $ 237,000 | $ 82,000 |
| Broward County Florida | 15 | $ 3,611,000 | $ 240,000 | $ 154,000 |
| Washoe County Nevada | 15 | $ 5,789,000 | $ 385,000 | $ 111,000 |
| Douglas County Colorado | 13 | $ 3,431,000 | $ 263,000 | $ 108,000 |
| Nye County Nevada | 12 | $ 1,879,000 | $ 156,000 | $ 119,000 |
| Sonoma County California | 11 | $ 3,362,000 | $ 305,000 | $ 93,000 |
| Bernalillo County New Mexico | 11 | $ 1,718,000 | $ 156,000 | $ 80,000 |
| San Mateo County California | 10 | $ 4,046,000 | $ 404,000 | $ 183,000 |
| Merced County California | 9 | $ 2,493,000 | $ 277,000 | $ 172,000 |
| Weld County Colorado | 9 | $ 1,801,000 | $ 200,000 | $ 71,000 |
| New Haven County Connecticut | 9 | $ 2,637,000 | $ 293,000 | $ 77,000 |
| Miami-Dade County Florida | 9 | $ 2,232,000 | $ 248,000 | $ 71,000 |
| Prince George's County Maryland | 9 | $ 2,205,000 | $ 245,000 | $ 91,000 |
| St. Louis County Missouri | 9 | $ 970,000 | $ 107,000 | $ 82,000 |
| Salt Lake County Utah | 9 | $ 1,488,000 | $ 165,000 | $ 69,000 |
| King County Washington | 9 | $ 2,020,000 | $ 224,000 | $ 101,000 |
| Marin County California | 8 | $ 3,473,000 | $ 434,000 | $ 126,000 |
| Santa Barbara County California | 8 | $ 3,283,000 | $ 410,000 | $ 102,000 |
| Palm Beach County Florida | 8 | $ 1,779,000 | $ 222,000 | $ 137,000 |
| Platte County Missouri | 8 | $ 828,000 | $ 103,000 | $ 143,000 |
| Yavapai County Arizona | 7 | $ 1,332,000 | $ 190,000 | $ 99,000 |
| Amador County California | 7 | $ 1,544,000 | $ 220,000 | $ 81,000 |
| Butte County California | 7 | $ 860,000 | $ 122,000 | $ 123,000 |
| El Dorado County California | 7 | $ 3,012,000 | $ 430,000 | $ 157,000 |
| Hillsborough County Florida | 7 | $ 1,966,000 | $ 280,000 | $ 291,000 |
| Lee County Florida | 7 | $ 796,000 | $ 113,000 | $ 111,000 |
| Douglas County Nevada | 7 | $ 1,481,000 | $ 211,000 | $ 98,000 |
| Kings County California | 6 | $ 658,000 | $ 109,000 | $ 46,000 |
| Monterey County California | 6 | $ 2,453,000 | $ 408,000 | $ 116,000 |
| Placer County California | 6 | $ 1,894,000 | $ 315,000 | $ 120,000 |
| San Francisco County California | 6 | $ 2,778,000 | $ 463,000 | $ 65,000 |
| Shasta County California | 6 | $ 1,782,000 | $ 297,000 | $ 84,000 |
| El Paso County Colorado | 6 | $ 732,000 | $ 122,000 | $ 57,000 |
| Wayne County Michigan | 6 | $ 619,000 | $ 103,000 | $ 79,000 |
| Yolo County California | 5 | $ 1,047,000 | $ 209,000 | $ 85,000 |
| Hartford County Connecticut | 5 | $ 692,000 | $ 138,000 | $ 53,000 |
| Hernando County Florida | 5 | $ 773,000 | $ 154,000 | $ 161,000 |
| Madera County California | 4 | $ 805,000 | $ 201,000 | $ 77,000 |
| Sutter County California | 4 | $ 1,085,000 | $ 271,000 | $ 107,000 |
| Boulder County Colorado | 4 | $ 1,107,000 | $ 276,000 | $ 64,000 |
| Lake County Florida | 4 | $ 411,000 | $ 102,000 | $ 74,000 |
| Seminole County Florida | 4 | $ 878,000 | $ 219,000 | $ 78,000 |
| Ada County Idaho | 4 | $ 520,000 | $ 130,000 | $ 43,000 |
| Charles County Maryland | 4 | $ 398,000 | $ 99,000 | $ 94,000 |
| Middlesex County Massachusetts | 4 | $ 1,151,000 | $ 287,000 | $ 82,000 |
| Summit County Utah | 4 | $ 867,000 | $ 216,000 | $ 183,000 |
| Fairfax County Virginia | 4 | $ 1,356,000 | $ 339,000 | $ 169,000 |
| Spokane County Washington | 4 | $ 610,000 | $ 152,000 | $ 72,000 |
| Washakie County Wyoming | 4 | $ 136,000 | $ 34,000 | $ 64,000 |
| Navajo County Arizona | 3 | $ 414,000 | $ 138,000 | $ 74,000 |
| Humboldt County California | 3 | $ 527,000 | $ 175,000 | $ 60,000 |
| San Benito County California | 3 | $ 765,000 | $ 255,000 | $ 63,000 |
| San Luis Obispo County California | 3 | $ 777,000 | $ 259,000 | $ 94,000 |
| Santa Cruz County California | 3 | $ 1,249,000 | $ 416,000 | $ 397,000 |
| Summit County Colorado | 3 | $ 235,000 | $ 78,000 | $ 118,000 |
| New London County Connecticut | 3 | $ 433,000 | $ 144,000 | $ 65,000 |
| Brevard County Florida | 3 | $ 465,000 | $ 155,000 | $ 57,000 |
| Duval County Florida | 3 | $ 410,000 | $ 136,000 | $ 87,000 |
| Marion County Florida | 3 | $ 980,000 | $ 326,000 | $ 153,000 |
| Pinellas County Florida | 3 | $ 454,000 | $ 151,000 | $ 106,000 |
| Sarasota County Florida | 3 | $ 727,000 | $ 242,000 | $ 118,000 |
| Kauai County Hawaii | 3 | $ 1,466,000 | $ 488,000 | $ 151,000 |
| Kootenai County Idaho | 3 | $ 427,000 | $ 142,000 | $ 138,000 |
| Shawnee County Kansas | 3 | $ 304,000 | $ 101,000 | $ 105,000 |
| Baltimore City County Maryland | 3 | $ 219,000 | $ 73,000 | $ 63,000 |
| Queen Anne's County Maryland | 3 | $ 538,000 | $ 179,000 | $ 90,000 |
| Essex County Massachusetts | 3 | $ 978,000 | $ 326,000 | $ 76,000 |
| Berrien County Michigan | 3 | $ 316,000 | $ 105,000 | $ 22,000 |
| Genesee County Michigan | 3 | $ 422,000 | $ 140,000 | $ 59,000 |
| Kent County Michigan | 3 | $ 317,000 | $ 105,000 | $ 49,000 |
| Christian County Missouri | 3 | $ 377,000 | $ 125,000 | $ 30,000 |
| Greene County Missouri | 3 | $ 411,000 | $ 137,000 | $ 87,000 |
| Lyon County Nevada | 3 | $ 586,000 | $ 195,000 | $ 80,000 |
| Clackamas County Oregon | 3 | $ 953,000 | $ 317,000 | $ 122,000 |
| Multnomah County Oregon | 3 | $ 663,000 | $ 221,000 | $ 118,000 |
| Washington County Oregon | 3 | $ 508,000 | $ 169,000 | $ 96,000 |
| Utah County Utah | 3 | $ 577,000 | $ 192,000 | $ 86,000 |
| Clark County Washington | 3 | $ 498,000 | $ 166,000 | $ 265,000 |
| Pierce County Washington | 3 | $ 453,000 | $ 151,000 | $ 65,000 |
| Laramie County Wyoming | 3 | $ 300,000 | $ 100,000 | $ 54,000 |
| Cochise County Arizona | 2 | $ 293,000 | $ 146,000 | $ 48,000 |
| Del Norte County California | 2 | $ 277,000 | $ 138,000 | $ 31,000 |
| Lake County California | 2 | $ 414,000 | $ 207,000 | $ 52,000 |
| Lassen County California | 2 | $ 296,000 | $ 148,000 | $ 53,000 |
| Mesa County Colorado | 2 | $ 265,000 | $ 132,000 | $ 84,000 |
| Pueblo County Colorado | 2 | $ 372,000 | $ 186,000 | $ 518,000 |
| Teller County Colorado | 2 | $ 157,000 | $ 78,000 | $ 46,000 |
| Fairfield County Connecticut | 2 | $ 662,000 | $ 331,000 | $ 79,000 |
| Bay County Florida | 2 | $ 570,000 | $ 285,000 | $ 108,000 |
| Charlotte County Florida | 2 | $ 630,000 | $ 315,000 | $ 79,000 |
| Escambia County Florida | 2 | $ 230,000 | $ 115,000 | $ 81,000 |
| Manatee County Florida | 2 | $ 292,000 | $ 146,000 | $ 48,000 |
| Orange County Florida | 2 | $ 361,000 | $ 180,000 | $ 74,000 |
| Osceola County Florida | 2 | $ 241,000 | $ 120,000 | $ 137,000 |
| Pasco County Florida | 2 | $ 322,000 | $ 161,000 | $ 56,000 |
| Polk County Florida | 2 | $ 291,000 | $ 145,000 | $ 67,000 |
| Santa Rosa County Florida | 2 | $ 277,000 | $ 138,000 | $ 64,000 |
| St. Lucie County Florida | 2 | $ 372,000 | $ 186,000 | $ 439,000 |
| Volusia County Florida | 2 | $ 237,000 | $ 118,000 | $ 53,000 |
| Allen County Indiana | 2 | $ 186,000 | $ 93,000 | $ 36,000 |
| Lake County Indiana | 2 | $ 346,000 | $ 173,000 | $ 435,000 |
| Johnson County Kansas | 2 | $ 172,000 | $ 86,000 | $ 68,000 |
| Jefferson County Kentucky | 2 | $ 136,000 | $ 68,000 | $ 85,000 |
| Anne Arundel County Maryland | 2 | $ 407,000 | $ 203,000 | $ 60,000 |
| Baltimore County Maryland | 2 | $ 1,080,000 | $ 540,000 | $ 135,000 |
| Montgomery County Maryland | 2 | $ 511,000 | $ 255,000 | $ 65,000 |
| Hampden County Massachusetts | 2 | $ 340,000 | $ 170,000 | $ 57,000 |
| Norfolk County Massachusetts | 2 | $ 370,000 | $ 185,000 | $ 51,000 |
| Ionia County Michigan | 2 | $ 203,000 | $ 101,000 | $ 56,000 |
| Jackson County Michigan | 2 | $ 325,000 | $ 162,000 | $ 51,000 |
| Macomb County Michigan | 2 | $ 194,000 | $ 97,000 | $ 59,000 |
| Midland County Michigan | 2 | $ 189,000 | $ 94,000 | $ 68,000 |
| Dakota County Minnesota | 2 | $ 421,000 | $ 210,000 | $ 76,000 |
| Hennepin County Minnesota | 2 | $ 647,000 | $ 323,000 | $ 138,000 |
| Isanti County Minnesota | 2 | $ 260,000 | $ 130,000 | $ 79,000 |
| St. Charles County Missouri | 2 | $ 486,000 | $ 243,000 | $ 187,000 |
| St. Louis City County Missouri | 2 | $ 209,000 | $ 104,000 | $ 21,000 |
| Carson City County Nevada | 2 | $ 448,000 | $ 224,000 | $ 61,000 |
| Grafton County New Hampshire | 2 | $ 166,000 | $ 83,000 | $ 150,000 |
| Dona Ana County New Mexico | 2 | $ 378,000 | $ 189,000 | $ 65,000 |
| Sandoval County New Mexico | 2 | $ 253,000 | $ 126,000 | $ 124,000 |
| Benton County Oregon | 2 | $ 340,000 | $ 170,000 | $ 64,000 |
| Deschutes County Oregon | 2 | $ 353,000 | $ 176,000 | $ 126,000 |
| Josephine County Oregon | 2 | $ 423,000 | $ 211,000 | $ 57,000 |
| Lane County Oregon | 2 | $ 461,000 | $ 230,000 | $ 120,000 |
| Wasatch County Utah | 2 | $ 601,000 | $ 300,000 | $ 83,000 |
| Weber County Utah | 2 | $ 313,000 | $ 156,000 | $ 50,000 |
| Bedford County Virginia | 2 | $ 214,000 | $ 107,000 | $ 29,000 |
| Clallam County Washington | 2 | $ 415,000 | $ 207,000 | $ 53,000 |
| Island County Washington | 2 | $ 498,000 | $ 249,000 | $ 90,000 |
| Kitsap County Washington | 2 | $ 495,000 | $ 247,000 | $ 134,000 |
| Snohomish County Washington | 2 | $ 607,000 | $ 303,000 | $ 109,000 |
| Thurston County Washington | 2 | $ 405,000 | $ 202,000 | $ 68,000 |
| Whatcom County Washington | 2 | $ 345,000 | $ 172,000 | $ 81,000 |
| Berkeley County West Virginia | 2 | $ 215,000 | $ 107,000 | $ 31,000 |
| Fremont County Wyoming | 2 | $ 215,000 | $ 107,000 | $ 67,000 |
| Sublette County Wyoming | 2 | $ 186,000 | $ 93,000 | $ 69,000 |
| Gila County Arizona | 1 | $ 184,000 | $ 184,000 | $ 76,000 |
| Calaveras County California | 1 | $ 319,000 | $ 319,000 | $ 60,000 |
| Mariposa County California | 1 | $ 176,000 | $ 176,000 | $ 102,000 |
| Napa County California | 1 | $ 521,000 | $ 521,000 | $ 146,000 |
| Nevada County California | 1 | $ 297,000 | $ 297,000 | $ 72,000 |
| Plumas County California | 1 | $ 295,000 | $ 295,000 | $ 46,000 |
| Siskiyou County California | 1 | $ 275,000 | $ 275,000 | $ 75,000 |
| Tehama County California | 1 | $ 118,000 | $ 118,000 | $ 55,000 |
| Tuolumne County California | 1 | $ 264,000 | $ 264,000 | $ 298,000 |
| Yuba County California | 1 | $ 211,000 | $ 211,000 | $ 69,000 |
| Broomfield County Colorado | 1 | $ 455,000 | $ 455,000 | $ 129,000 |
| Montezuma County Colorado | 1 | $ 106,000 | $ 106,000 | $ 58,000 |
| Montrose County Colorado | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Alachua County Florida | 1 | $ 166,000 | $ 166,000 | $ 87,000 |
| Flagler County Florida | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Highlands County Florida | 1 | $ 96,000 | $ 96,000 | $ 48,000 |
| Indian River County Florida | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Martin County Florida | 1 | $ 435,000 | $ 435,000 | $ 110,000 |
| Boise County Idaho | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Bonner County Idaho | 1 | $ 91,000 | $ 91,000 | $ 31,000 |
| Bonneville County Idaho | 1 | $ 88,000 | $ 88,000 | $ 33,000 |
| Boundary County Idaho | 1 | $ 72,000 | $ 72,000 | $ 24,000 |
| Canyon County Idaho | 1 | $ 106,000 | $ 106,000 | $ 36,000 |
| Idaho County Idaho | 1 | $ 98,000 | $ 98,000 | $ 50,000 |
| Lemhi County Idaho | 1 | $ 150,000 | $ 150,000 | $ 43,000 |
| Madison County Idaho | 1 | $ 82,000 | $ 82,000 | $ 25,000 |
| Bartholomew County Indiana | 1 | $ 354,000 | $ 354,000 | $ 193,000 |
| Fayette County Indiana | 1 | $ 79,000 | $ 79,000 | $ 55,000 |
| Hancock County Indiana | 1 | $ 99,000 | $ 99,000 | $ 47,000 |
| Porter County Indiana | 1 | $ 132,000 | $ 132,000 | $ 47,000 |
| Starke County Indiana | 1 | $ 104,000 | $ 104,000 | $ 112,000 |
| Jackson County Iowa | 1 | $ 103,000 | $ 103,000 | $ 48,000 |
| Johnson County Iowa | 1 | $ 84,000 | $ 84,000 | $ 38,000 |
| Polk County Iowa | 1 | $ 165,000 | $ 165,000 | $ 36,000 |
| Washington County Iowa | 1 | $ 108,000 | $ 108,000 | $ 74,000 |
| Finney County Kansas | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Pottawatomie County Kansas | 1 | $ 103,000 | $ 103,000 | $ 33,000 |
| Fayette County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 88,000 |
| Grayson County Kentucky | 1 | $ 131,000 | $ 131,000 | $ 42,000 |
| Knox County Kentucky | 1 | $ 90,000 | $ 90,000 | $ 16,000 |
| Owen County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Warren County Kentucky | 1 | $ 161,000 | $ 161,000 | $ 180,000 |
| Penobscot County Maine | 1 | $ 113,000 | $ 113,000 | $ 62,000 |
| Waldo County Maine | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Carroll County Maryland | 1 | $ 256,000 | $ 256,000 | $ 80,000 |
| Cecil County Maryland | 1 | $ 188,000 | $ 188,000 | $ 100,000 |
| Howard County Maryland | 1 | $ 169,000 | $ 169,000 | $ 65,000 |
| St. Mary's County Maryland | 1 | $ 224,000 | $ 224,000 | $ 79,000 |
| Worcester County Maryland | 1 | $ 256,000 | $ 256,000 | $ 113,000 |
| Barnstable County Massachusetts | 1 | $ 431,000 | $ 431,000 | $ 134,000 |
| Berkshire County Massachusetts | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| Bristol County Massachusetts | 1 | $ 200,000 | $ 200,000 | $ 54,000 |
| Plymouth County Massachusetts | 1 | $ 202,000 | $ 202,000 | $ 78,000 |
| Suffolk County Massachusetts | 1 | $ 405,000 | $ 405,000 | $ 84,000 |
| Worcester County Massachusetts | 1 | $ 154,000 | $ 154,000 | $ 45,000 |
| Clinton County Michigan | 1 | $ 250,000 | $ 250,000 | $ 115,000 |
| Kalamazoo County Michigan | 1 | $ 140,000 | $ 140,000 | $ 102,000 |
| Monroe County Michigan | 1 | $ 119,000 | $ 119,000 | $ 68,000 |
| Montcalm County Michigan | 1 | $ 109,000 | $ 109,000 | $ 68,000 |
| Muskegon County Michigan | 1 | $ 200,000 | $ 200,000 | $ 73,000 |
| Ottawa County Michigan | 1 | $ 112,000 | $ 112,000 | $ 51,000 |
| Anoka County Minnesota | 1 | $ 333,000 | $ 333,000 | $ 67,000 |
| Beltrami County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 35,000 |
| Crow Wing County Minnesota | 1 | $ 108,000 | $ 108,000 | $ 48,000 |
| Fillmore County Minnesota | 1 | $ 138,000 | $ 138,000 | $ 31,000 |
| Freeborn County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Mille Lacs County Minnesota | 1 | $ 140,000 | $ 140,000 | $ 108,000 |
| Ramsey County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Roseau County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 517,000 |
| Caldwell County Missouri | 1 | $ 20,000 | $ 20,000 | $ 20,000 |
| Cass County Missouri | 1 | $ 189,000 | $ 189,000 | $ 62,000 |
| Howell County Missouri | 1 | $ 20,000 | $ 20,000 | $ 23,000 |
| Jefferson County Missouri | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Lincoln County Missouri | 1 | $ 120,000 | $ 120,000 | $ 63,000 |
| Polk County Missouri | 1 | $ 89,000 | $ 89,000 | $ 84,000 |
| Ste. Genevieve County Missouri | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Stone County Missouri | 1 | $ 156,000 | $ 156,000 | $ 60,000 |
| Deer Lodge County Montana | 1 | $ 253,000 | $ 253,000 | $ 142,000 |
| Douglas County Nebraska | 1 | $ 101,000 | $ 101,000 | $ 25,000 |
| Churchill County Nevada | 1 | $ 173,000 | $ 173,000 | $ 73,000 |
| Elko County Nevada | 1 | $ 96,000 | $ 96,000 | $ 50,000 |
| Storey County Nevada | 1 | $ 420,000 | $ 420,000 | $ 95,000 |
| White Pine County Nevada | 1 | $ 194,000 | $ 194,000 | $ 54,000 |
| Coos County New Hampshire | 1 | $ 60,000 | $ 60,000 | $ 59,000 |
| Hillsborough County New Hampshire | 1 | $ 360,000 | $ 360,000 | $ 153,000 |
| Rockingham County New Hampshire | 1 | $ 225,000 | $ 225,000 | $ 82,000 |
| Strafford County New Hampshire | 1 | $ 317,000 | $ 317,000 | $ 57,000 |
| San Juan County New Mexico | 1 | $ 104,000 | $ 104,000 | $ 34,000 |
| Caswell County North Carolina | 1 | $ 188,000 | $ 188,000 | $ 171,000 |
| Durham County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Mecklenburg County North Carolina | 1 | $ 32,000 | $ 32,000 | $ 17,000 |
| Cass County North Dakota | 1 | $ 117,000 | $ 117,000 | $ 78,000 |
| Grand Forks County North Dakota | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Columbia County Oregon | 1 | $ 178,000 | $ 178,000 | $ 70,000 |
| Curry County Oregon | 1 | $ 344,000 | $ 344,000 | $ 180,000 |
| Douglas County Oregon | 1 | $ 149,000 | $ 149,000 | $ 90,000 |
| Jackson County Oregon | 1 | $ 40,000 | $ 40,000 | $ 216,000 |
| Linn County Oregon | 1 | $ 244,000 | $ 244,000 | $ 84,000 |
| Marion County Oregon | 1 | $ 157,000 | $ 157,000 | $ 58,000 |
| Polk County Oregon | 1 | $ 203,000 | $ 203,000 | $ 33,000 |
| Wasco County Oregon | 1 | $ 140,000 | $ 140,000 | $ 36,000 |
| Providence County Rhode Island | 1 | $ 88,000 | $ 88,000 | $ 47,000 |
| Box Elder County Utah | 1 | $ 82,000 | $ 82,000 | $ 59,000 |
| Washington County Utah | 1 | $ 392,000 | $ 392,000 | $ 94,000 |
| Albemarle County Virginia | 1 | $ 198,000 | $ 198,000 | $ 60,000 |
| Arlington County Virginia | 1 | $ 273,000 | $ 273,000 | $ 109,000 |
| Chesapeake County Virginia | 1 | $ 68,000 | $ 68,000 | $ 72,000 |
| Chesterfield County Virginia | 1 | $ 200,000 | $ 200,000 | $ 103,000 |
| Halifax County Virginia | 1 | $ 90,000 | $ 90,000 | $ 78,000 |
| Madison County Virginia | 1 | $ 132,000 | $ 132,000 | $ 56,000 |
| Newport News County Virginia | 1 | $ 175,000 | $ 175,000 | $ 90,000 |
| Powhatan County Virginia | 1 | $ 150,000 | $ 150,000 | $ 42,000 |
| Prince William County Virginia | 1 | $ 216,000 | $ 216,000 | $ 60,000 |
| Roanoke County Virginia | 1 | $ 128,000 | $ 128,000 | $ 71,000 |
| Stafford County Virginia | 1 | $ 236,000 | $ 236,000 | $ 70,000 |
| Virginia Beach County Virginia | 1 | $ 206,000 | $ 206,000 | $ 62,000 |
| Okanogan County Washington | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Skagit County Washington | 1 | $ 124,000 | $ 124,000 | $ 91,000 |
| Walla Walla County Washington | 1 | $ 131,000 | $ 131,000 | $ 107,000 |
| Goshen County Wyoming | 1 | $ 69,000 | $ 69,000 | $ 40,000 |
| Lincoln County Wyoming | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Park County Wyoming | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Teton County Wyoming | 1 | $ 747,000 | $ 747,000 | $ 102,000 |
Mortgage Loan Application Detail Totals for American Sterling 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 | 3,082 | $844,657,000 | $178,266 | $2,275,000 | $76,733 | $2,220,000 |
| Home Purchase | 1,306 | $338,259,000 | $192,347 | $1,178,000 | $115,043 | $1,448,000 |
| Home Improvement | 17 | $1,531,000 | $118,333 | $600,000 | $133,333 | $370,000 |
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 | 2,015 | $537,266,000 | $175,300 | $2,275,000 | $90,233 | $2,220,000 |
| Not Provided | 1,049 | $292,707,000 | $195,807 | $2,000,000 | $85,807 | $862,000 |
| Hispanic | 816 | $200,328,000 | $204,466 | $1,000,000 | $75,800 | $852,000 |
| Asian | 261 | $86,011,000 | $245,500 | $1,178,000 | $149,500 | $1,500,000 |
| Black or African American | 193 | $47,394,000 | $193,555 | $708,000 | $86,222 | $480,000 |
| Native Hawaiian or Other Pacific Islander | 55 | $16,930,000 | $216,833 | $650,000 | $85,500 | $278,000 |
| American Indian or Alaskan Native | 16 | $3,811,000 | $216,666 | $432,000 | $84,666 | $131,000 |
| 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) | 4,400 | $1,183,570,000 | $175,593 | $2,275,000 | $83,781 | $2,220,000 |
| FHA-insured (Federal Housing Administration) | 5 | $877,000 | $206,500 | $259,000 | $56,500 | $80,000 |
| 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 | 2,028 | $560,995,000 | $185,586 | $2,275,000 | $80,379 | $979,000 |
| Application Approved But Not Accepted | 1,138 | $330,964,000 | $191,240 | $2,000,000 | $87,840 | $2,220,000 |
| Application Denied By Financial Institution | 717 | $158,585,000 | $170,045 | $980,000 | $98,545 | $1,184,000 |
| File Closed For Incompleteness | 374 | $95,325,000 | $179,823 | $1,500,000 | $93,235 | $1,500,000 |
| Application Withdrawn By Applicant | 120 | $30,972,000 | $164,071 | $1,860,000 | $71,357 | $600,000 |
| Preapproval Approved but not Accepted | 22 | $6,781,000 | $308,000 | $650,000 | $121,000 | $210,000 |
| Preapproval Denied by Financial Institution | 6 | $825,000 | $137,000 | $384,000 | $83,000 | $150,000 |
| 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 | 316 | $69,846,000 | $212,142 | $776,000 | $95,714 | $832,000 |
| Other | 218 | $49,108,000 | $167,222 | $800,000 | $96,166 | $1,184,000 |
| Collateral | 76 | $17,455,000 | $162,181 | $980,000 | $93,818 | $470,000 |
| Debt-To-Income Ratio | 71 | $13,826,000 | $160,333 | $664,000 | $61,083 | $276,000 |
| Employment History | 25 | $4,675,000 | $164,500 | $677,000 | $91,500 | $249,000 |
| Unverifiable Information | 12 | $3,179,000 | $271,500 | $840,000 | $129,500 | $420,000 |
| Credit Application Incomplete | 4 | $833,000 | $208,000 | $382,000 | $51,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $488,000 | $488,000 | $488,000 | $144,000 | $144,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Sterling 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 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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.