American Sterling Bank Mortgage Lending & HMDA Data, 2007

In 2007, American Sterling Bank of Sugar Creek, MO reported 16,531 mortgage applications totaling $3.7 billion, up 169% from 2006. The average application was for $221,564, and applicants reported an average income of $98,735. 49% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (1,143), Phoenix-Mesa-Scottsdale, AZ (1,036) and Sacramento--Arden-Arcade--Roseville, CA (1,005) (applications in parentheses).

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 16,531
Total Mortgage Loan Application Amount $3,662,676,000
Average Mortgage Loan Application Amount $221,564
Highest Mortgage Loan Application Amount $2,250,000
Average Applicant Income $98,735
Highest Applicant Income $9,495,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Sterling Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for American Sterling Bank by County in 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 979 $ 228,788,000 $ 233,695 $ 100,000
Sacramento, California 821 $ 205,116,000 $ 249,836 $ 108,000
Los Angeles, California 751 $ 251,122,000 $ 334,383 $ 119,000
Riverside, California 685 $ 195,764,000 $ 285,786 $ 115,000
Cook, Illinois 635 $ 154,379,000 $ 243,116 $ 104,000
Clark, Nevada 510 $ 123,522,000 $ 242,200 $ 113,000
San Bernardino, California 458 $ 120,240,000 $ 262,532 $ 109,000
San Diego, California 448 $ 136,267,000 $ 304,167 $ 117,000
Milwaukee, Wisconsin 423 $ 54,934,000 $ 129,867 $ 63,000
Harris, Texas 398 $ 52,122,000 $ 130,959 $ 80,000
Orange, California 361 $ 129,275,000 $ 358,102 $ 137,000
Brown, Wisconsin 206 $ 26,713,000 $ 129,674 $ 75,000
Dallas, Texas 197 $ 25,513,000 $ 129,507 $ 73,000
Waukesha, Wisconsin 184 $ 40,075,000 $ 217,798 $ 104,000
San Joaquin, California 164 $ 44,341,000 $ 270,371 $ 119,000
Denver, Colorado 157 $ 27,829,000 $ 177,254 $ 75,000
St. Louis, Missouri 145 $ 18,928,000 $ 130,537 $ 62,000
Fulton, Georgia 139 $ 33,063,000 $ 237,863 $ 116,000
Gwinnett, Georgia 132 $ 23,662,000 $ 179,257 $ 61,000
Salt Lake, Utah 126 $ 26,026,000 $ 206,555 $ 99,000
Arapahoe, Colorado 125 $ 20,530,000 $ 164,240 $ 91,000
Lake, Illinois 114 $ 32,633,000 $ 286,254 $ 121,000
King, Washington 106 $ 29,790,000 $ 281,037 $ 103,000
Contra Costa, California 98 $ 33,460,000 $ 341,428 $ 140,000
Fresno, California 97 $ 20,676,000 $ 213,154 $ 110,000
Hennepin, Minnesota 94 $ 20,170,000 $ 214,574 $ 81,000
Miami-Dade, Florida 92 $ 23,332,000 $ 253,608 $ 88,000
Adams, Colorado 91 $ 14,570,000 $ 160,109 $ 62,000
Tarrant, Texas 87 $ 12,872,000 $ 147,954 $ 95,000
DeKalb, Georgia 86 $ 14,852,000 $ 172,697 $ 302,000
Broward, Florida 85 $ 20,535,000 $ 241,588 $ 127,000
Placer, California 84 $ 26,709,000 $ 317,964 $ 128,000
Kern, California 81 $ 16,484,000 $ 203,506 $ 86,000
Washington, Wisconsin 81 $ 14,441,000 $ 178,283 $ 75,000
Alameda, California 78 $ 26,749,000 $ 342,935 $ 123,000
Prince George's, Maryland 77 $ 21,398,000 $ 277,896 $ 77,000
Hidalgo, Texas 77 $ 9,440,000 $ 122,597 $ 58,000
Racine, Wisconsin 77 $ 11,995,000 $ 155,779 $ 81,000
DuPage, Illinois 76 $ 17,393,000 $ 228,855 $ 99,000
Ada, Idaho 75 $ 13,809,000 $ 184,120 $ 84,000
St. Louis City, Missouri 74 $ 10,252,000 $ 138,540 $ 73,000
Fairfax, Virginia 74 $ 23,054,000 $ 311,540 $ 131,000
Jefferson, Colorado 73 $ 14,108,000 $ 193,260 $ 79,000
Wayne, Michigan 72 $ 10,280,000 $ 142,777 $ 76,000
Stanislaus, California 69 $ 18,087,000 $ 262,130 $ 101,000
Jackson, Missouri 67 $ 8,302,000 $ 123,910 $ 72,000
Palm Beach, Florida 63 $ 16,509,000 $ 262,047 $ 104,000
Multnomah, Oregon 62 $ 14,640,000 $ 236,129 $ 88,000
Baltimore, Maryland 61 $ 12,993,000 $ 213,000 $ 69,000
St. Charles, Missouri 61 $ 9,910,000 $ 162,459 $ 73,000
Collin, Texas 61 $ 12,649,000 $ 207,360 $ 98,000
Yavapai, Arizona 60 $ 11,995,000 $ 199,916 $ 82,000
Solano, California 58 $ 19,327,000 $ 333,224 $ 128,000
Pinal, Arizona 57 $ 10,974,000 $ 192,526 $ 93,000
Clark, Washington 55 $ 12,776,000 $ 232,290 $ 116,000
Snohomish, Washington 55 $ 15,076,000 $ 274,109 $ 88,000
Utah, Utah 54 $ 12,375,000 $ 229,166 $ 125,000
Bannock, Idaho 53 $ 6,544,000 $ 123,471 $ 65,000
El Dorado, California 51 $ 15,428,000 $ 302,509 $ 253,000
Santa Clara, California 51 $ 23,409,000 $ 459,000 $ 156,000
Davis, Utah 51 $ 10,394,000 $ 203,803 $ 162,000
Washington, Oregon 50 $ 12,279,000 $ 245,580 $ 106,000
Fort Bend, Texas 50 $ 7,543,000 $ 150,860 $ 98,000
Outagamie, Wisconsin 50 $ 6,214,000 $ 124,280 $ 81,000
Pima, Arizona 49 $ 8,726,000 $ 178,081 $ 69,000
Yolo, California 49 $ 12,569,000 $ 256,510 $ 91,000
Nueces, Texas 49 $ 6,862,000 $ 140,040 $ 80,000
Cobb, Georgia 48 $ 8,861,000 $ 184,604 $ 80,000
Orange, Florida 47 $ 9,937,000 $ 211,425 $ 111,000
Anoka, Minnesota 47 $ 9,180,000 $ 195,319 $ 70,000
Winnebago, Wisconsin 47 $ 5,286,000 $ 112,468 $ 58,000
Hillsborough, Florida 46 $ 9,158,000 $ 199,086 $ 103,000
Kenosha, Wisconsin 46 $ 6,882,000 $ 149,608 $ 80,000
Pierce, Washington 45 $ 10,732,000 $ 238,488 $ 132,000
Butte, California 44 $ 8,492,000 $ 193,000 $ 75,000
Baltimore City, Maryland 44 $ 6,651,000 $ 151,159 $ 69,000
St. Joseph, Indiana 42 $ 3,376,000 $ 80,380 $ 56,000
El Paso, Colorado 41 $ 7,563,000 $ 184,463 $ 84,000
Ramsey, Minnesota 41 $ 7,629,000 $ 186,073 $ 61,000
Denton, Texas 41 $ 7,842,000 $ 191,268 $ 104,000
Ventura, California 40 $ 14,129,000 $ 353,225 $ 87,000
Douglas, Colorado 40 $ 9,846,000 $ 246,150 $ 102,000
Dane, Wisconsin 40 $ 6,948,000 $ 173,700 $ 82,000
Prince William, Virginia 38 $ 11,895,000 $ 313,026 $ 99,000
Lane, Oregon 37 $ 8,317,000 $ 224,783 $ 74,000
Weld, Colorado 36 $ 6,105,000 $ 169,583 $ 86,000
Kane, Illinois 36 $ 7,717,000 $ 214,361 $ 94,000
Dakota, Minnesota 36 $ 8,887,000 $ 246,861 $ 81,000
Deschutes, Oregon 36 $ 8,771,000 $ 243,638 $ 96,000
Marion, Oregon 36 $ 6,953,000 $ 193,138 $ 59,000
Mohave, Arizona 35 $ 6,878,000 $ 196,514 $ 124,000
Imperial, California 34 $ 6,593,000 $ 193,911 $ 76,000
Will, Illinois 34 $ 7,459,000 $ 219,382 $ 86,000
Forsyth, Georgia 33 $ 7,153,000 $ 216,757 $ 83,000
Bexar, Texas 33 $ 3,649,000 $ 110,575 $ 68,000
Montgomery, Texas 33 $ 5,340,000 $ 161,818 $ 136,000
Ellis, Texas 32 $ 4,767,000 $ 148,968 $ 55,000
Canyon, Idaho 31 $ 4,597,000 $ 148,290 $ 68,000
Oconto, Wisconsin 31 $ 4,549,000 $ 146,741 $ 68,000
Douglas, Oregon 30 $ 6,029,000 $ 200,966 $ 80,000
Yamhill, Oregon 30 $ 6,622,000 $ 220,733 $ 78,000
Winnebago, Illinois 29 $ 3,155,000 $ 108,793 $ 53,000
Bernalillo, New Mexico 29 $ 5,075,000 $ 175,000 $ 54,000
Door, Wisconsin 29 $ 4,920,000 $ 169,655 $ 68,000
Clayton, Georgia 28 $ 3,044,000 $ 108,714 $ 56,000
Crow Wing, Minnesota 28 $ 3,935,000 $ 140,535 $ 60,000
Manitowoc, Wisconsin 28 $ 2,572,000 $ 91,857 $ 79,000
Marathon, Wisconsin 27 $ 3,204,000 $ 118,666 $ 78,000
Sutter, California 26 $ 5,859,000 $ 225,346 $ 69,000
Lake, Indiana 26 $ 3,260,000 $ 125,384 $ 55,000
Polk, Iowa 26 $ 4,677,000 $ 179,884 $ 81,000
Jefferson, Missouri 26 $ 3,744,000 $ 144,000 $ 61,000
Clackamas, Oregon 26 $ 7,353,000 $ 282,807 $ 95,000
Weber, Utah 26 $ 4,878,000 $ 187,615 $ 82,000
Merced, California 25 $ 6,630,000 $ 265,200 $ 85,000
San Mateo, California 25 $ 8,656,000 $ 346,240 $ 257,000
Larimer, Colorado 25 $ 5,463,000 $ 218,520 $ 93,000
Brevard, Florida 25 $ 4,907,000 $ 196,280 $ 76,000
Montgomery, Maryland 25 $ 7,923,000 $ 316,920 $ 95,000
Glenn, California 23 $ 5,020,000 $ 218,260 $ 110,000
Washington, Minnesota 23 $ 5,569,000 $ 242,130 $ 98,000
Washoe, Nevada 23 $ 6,253,000 $ 271,869 $ 83,000
El Paso, Texas 23 $ 3,169,000 $ 137,782 $ 66,000
Morgan, Alabama 22 $ 2,046,000 $ 93,000 $ 44,000
St. Lucie, Florida 22 $ 4,201,000 $ 190,954 $ 142,000
Wright, Minnesota 22 $ 3,861,000 $ 175,500 $ 60,000
Tulare, California 21 $ 4,242,000 $ 202,000 $ 75,000
Dodge, Wisconsin 21 $ 2,888,000 $ 137,523 $ 58,000
Sonoma, California 20 $ 5,552,000 $ 277,600 $ 215,000
Yuba, California 20 $ 4,946,000 $ 247,300 $ 160,000
Duval, Florida 20 $ 3,798,000 $ 189,900 $ 91,000
Honolulu, Hawaii 20 $ 6,604,000 $ 330,200 $ 105,000
East Baton Rouge, Louisiana 20 $ 3,187,000 $ 159,350 $ 100,000
Shelby, Tennessee 20 $ 2,259,000 $ 112,950 $ 88,000
Sarasota, Florida 19 $ 4,732,000 $ 249,052 $ 192,000
Volusia, Florida 19 $ 3,407,000 $ 179,315 $ 88,000
St. Clair, Illinois 19 $ 1,816,000 $ 95,578 $ 53,000
Johnson, Kansas 19 $ 3,921,000 $ 206,368 $ 94,000
Oklahoma, Oklahoma 19 $ 1,880,000 $ 98,947 $ 118,000
Bell, Texas 19 $ 1,827,000 $ 96,157 $ 54,000
Loudoun, Virginia 19 $ 5,203,000 $ 273,842 $ 113,000
Jefferson, Wisconsin 19 $ 3,138,000 $ 165,157 $ 83,000
Barrow, Georgia 18 $ 2,506,000 $ 139,222 $ 78,000
Cherokee, Georgia 18 $ 3,149,000 $ 174,944 $ 76,000
Harford, Maryland 18 $ 3,278,000 $ 182,111 $ 75,000
Cumberland, Pennsylvania 18 $ 2,292,000 $ 127,333 $ 61,000
Philadelphia, Pennsylvania 18 $ 2,585,000 $ 143,611 $ 75,000
Marinette, Wisconsin 18 $ 1,914,000 $ 106,333 $ 114,000
Shawano, Wisconsin 18 $ 2,589,000 $ 143,833 $ 64,000
Jefferson, Alabama 17 $ 2,903,000 $ 170,764 $ 76,000
Boulder, Colorado 17 $ 4,282,000 $ 251,882 $ 173,000
Osceola, Florida 17 $ 3,386,000 $ 199,176 $ 66,000
Muscogee, Georgia 17 $ 1,755,000 $ 103,235 $ 53,000
McHenry, Illinois 17 $ 3,318,000 $ 195,176 $ 93,000
Anne Arundel, Maryland 17 $ 4,716,000 $ 277,411 $ 84,000
Josephine, Oregon 17 $ 3,874,000 $ 227,882 $ 88,000
Bucks, Pennsylvania 17 $ 2,251,000 $ 132,411 $ 165,000
Calumet, Wisconsin 17 $ 2,030,000 $ 119,411 $ 79,000
Colusa, California 16 $ 3,740,000 $ 233,750 $ 89,000
Carroll, Georgia 16 $ 2,152,000 $ 134,500 $ 120,000
Rockdale, Georgia 16 $ 2,718,000 $ 169,875 $ 230,000
San Juan, New Mexico 16 $ 3,334,000 $ 208,375 $ 99,000
Williamson, Texas 16 $ 3,445,000 $ 215,312 $ 103,000
Kewaunee, Wisconsin 16 $ 1,414,000 $ 88,375 $ 47,000
Ozaukee, Wisconsin 16 $ 3,456,000 $ 216,000 $ 84,000
Portage, Wisconsin 16 $ 2,479,000 $ 154,937 $ 90,000
Santa Barbara, California 15 $ 4,789,000 $ 319,266 $ 118,000
Shasta, California 15 $ 2,850,000 $ 190,000 $ 63,000
Lake, Florida 15 $ 3,281,000 $ 218,733 $ 60,000
Lee, Florida 15 $ 3,446,000 $ 229,733 $ 95,000
Douglas, Georgia 15 $ 2,293,000 $ 152,866 $ 95,000
Henry, Georgia 15 $ 2,429,000 $ 161,933 $ 113,000
Sherburne, Minnesota 15 $ 3,074,000 $ 204,933 $ 86,000
Jackson, Oregon 15 $ 3,125,000 $ 208,333 $ 62,000
York, Pennsylvania 15 $ 2,030,000 $ 135,333 $ 86,000
Travis, Texas 15 $ 3,960,000 $ 264,000 $ 180,000
Walworth, Wisconsin 15 $ 1,828,000 $ 121,866 $ 91,000
Benton, Arkansas 14 $ 2,563,000 $ 183,071 $ 48,000
San Francisco, California 14 $ 5,199,000 $ 371,357 $ 191,000
Pueblo, Colorado 14 $ 2,146,000 $ 153,285 $ 49,000
Polk, Florida 14 $ 2,341,000 $ 167,214 $ 80,000
Johnson, Texas 14 $ 1,723,000 $ 123,071 $ 82,000
Monterey, California 13 $ 4,889,000 $ 376,076 $ 105,000
Polk, Oregon 13 $ 2,689,000 $ 206,846 $ 85,000
Henrico, Virginia 13 $ 3,280,000 $ 252,307 $ 104,000
Vilas, Wisconsin 13 $ 2,717,000 $ 209,000 $ 95,000
Seminole, Florida 12 $ 4,034,000 $ 336,166 $ 98,000
Dawson, Georgia 12 $ 2,117,000 $ 176,416 $ 82,000
Oakland, Michigan 12 $ 2,004,000 $ 167,000 $ 114,000
Clay, Missouri 12 $ 2,259,000 $ 188,250 $ 83,000
Virginia Beach, Virginia 12 $ 2,868,000 $ 239,000 $ 133,000
Sheboygan, Wisconsin 12 $ 1,731,000 $ 144,250 $ 60,000
Waupaca, Wisconsin 12 $ 1,472,000 $ 122,666 $ 90,000
Lake, California 11 $ 2,636,000 $ 239,636 $ 58,000
Nevada, California 11 $ 3,427,000 $ 311,545 $ 93,000
Tehama, California 11 $ 2,230,000 $ 202,727 $ 99,000
Fairfield, Connecticut 11 $ 4,177,000 $ 379,727 $ 125,000
Hartford, Connecticut 11 $ 3,471,000 $ 315,545 $ 95,000
Pinellas, Florida 11 $ 1,929,000 $ 175,363 $ 82,000
Lyon, Nevada 11 $ 2,212,000 $ 201,090 $ 80,000
Brazoria, Texas 11 $ 2,231,000 $ 202,818 $ 186,000
Brazos, Texas 11 $ 1,149,000 $ 104,454 $ 120,000
Smith, Texas 11 $ 1,422,000 $ 129,272 $ 196,000
Thurston, Washington 11 $ 2,562,000 $ 232,909 $ 68,000
Kings, California 10 $ 2,420,000 $ 242,000 $ 112,000
New London, Connecticut 10 $ 2,232,000 $ 223,200 $ 45,000
Marion, Florida 10 $ 1,787,000 $ 178,700 $ 61,000
Bonneville, Idaho 10 $ 872,000 $ 87,200 $ 40,000
Middlesex, Massachusetts 10 $ 2,829,000 $ 282,900 $ 92,000
Livingston, Michigan 10 $ 1,472,000 $ 147,200 $ 76,000
Scott, Minnesota 10 $ 2,039,000 $ 203,900 $ 76,000
Lincoln, Missouri 10 $ 1,472,000 $ 147,200 $ 91,000
Cass, North Dakota 10 $ 1,394,000 $ 139,400 $ 61,000
Fairfield, Ohio 10 $ 1,391,000 $ 139,100 $ 45,000
Linn, Oregon 10 $ 1,528,000 $ 152,800 $ 77,000
Berks, Pennsylvania 10 $ 1,117,000 $ 111,700 $ 98,000
Chesterfield, Virginia 10 $ 2,049,000 $ 204,900 $ 77,000
Rock, Wisconsin 10 $ 1,263,000 $ 126,300 $ 59,000
Montgomery, Alabama 9 $ 1,603,000 $ 178,111 $ 50,000
Cochise, Arizona 9 $ 890,000 $ 98,888 $ 47,000
Navajo, Arizona 9 $ 2,489,000 $ 276,555 $ 110,000
Madera, California 9 $ 2,079,000 $ 231,000 $ 60,000
San Luis Obispo, California 9 $ 2,907,000 $ 323,000 $ 87,000
Broomfield, Colorado 9 $ 1,371,000 $ 152,333 $ 67,000
Okaloosa, Florida 9 $ 4,297,000 $ 477,444 $ 218,000
Pasco, Florida 9 $ 1,467,000 $ 163,000 $ 76,000
Bingham, Idaho 9 $ 1,200,000 $ 133,333 $ 64,000
Howard, Maryland 9 $ 2,732,000 $ 303,555 $ 92,000
Chisago, Minnesota 9 $ 2,117,000 $ 235,222 $ 102,000
Itasca, Minnesota 9 $ 1,591,000 $ 176,777 $ 62,000
Elko, Nevada 9 $ 1,920,000 $ 213,333 $ 65,000
Lincoln, New Mexico 9 $ 2,024,000 $ 224,888 $ 167,000
Mecklenburg, North Carolina 9 $ 1,422,000 $ 158,000 $ 55,000
Lancaster, Pennsylvania 9 $ 1,165,000 $ 129,444 $ 54,000
Barron, Wisconsin 9 $ 1,289,000 $ 143,222 $ 80,000
Mendocino, California 8 $ 2,024,000 $ 253,000 $ 138,000
Bay, Florida 8 $ 2,465,000 $ 308,125 $ 129,000
Charlotte, Florida 8 $ 1,407,000 $ 175,875 $ 188,000
Newton, Georgia 8 $ 1,622,000 $ 202,750 $ 127,000
Walton, Georgia 8 $ 1,352,000 $ 169,000 $ 124,000
Barnstable, Massachusetts 8 $ 1,964,000 $ 245,500 $ 126,000
Suffolk, Massachusetts 8 $ 3,098,000 $ 387,250 $ 144,000
Macomb, Michigan 8 $ 1,652,000 $ 206,500 $ 110,000
Mower, Minnesota 8 $ 697,000 $ 87,125 $ 37,000
Otter Tail, Minnesota 8 $ 1,130,000 $ 141,250 $ 64,000
Stearns, Minnesota 8 $ 1,232,000 $ 154,000 $ 63,000
Boone, Missouri 8 $ 958,000 $ 119,750 $ 62,000
Marion, Missouri 8 $ 1,085,000 $ 135,625 $ 59,000
Carson City, Nevada 8 $ 2,137,000 $ 267,125 $ 130,000
Buncombe, North Carolina 8 $ 2,647,000 $ 330,875 $ 104,000
Cleveland, Oklahoma 8 $ 1,311,000 $ 163,875 $ 123,000
Dauphin, Pennsylvania 8 $ 1,451,000 $ 181,375 $ 84,000
Galveston, Texas 8 $ 807,000 $ 100,875 $ 190,000
Washington, Utah 8 $ 2,015,000 $ 251,875 $ 84,000
Chesapeake, Virginia 8 $ 1,882,000 $ 235,250 $ 87,000
Mason, Washington 8 $ 1,631,000 $ 203,875 $ 70,000
Fond du Lac, Wisconsin 8 $ 898,000 $ 112,250 $ 69,000
Green, Wisconsin 8 $ 1,143,000 $ 142,875 $ 66,000
St. Croix, Wisconsin 8 $ 2,403,000 $ 300,375 $ 103,000
Amador, California 7 $ 2,189,000 $ 312,714 $ 110,000
Elbert, Colorado 7 $ 2,097,000 $ 299,571 $ 85,000
New Haven, Connecticut 7 $ 1,653,000 $ 236,142 $ 94,000
Hernando, Florida 7 $ 836,000 $ 119,428 $ 52,000
Fayette, Georgia 7 $ 1,574,000 $ 224,857 $ 111,000
Paulding, Georgia 7 $ 1,443,000 $ 206,142 $ 83,000
Richmond, Georgia 7 $ 574,000 $ 82,000 $ 27,000
Kendall, Illinois 7 $ 1,468,000 $ 209,714 $ 66,000
Wyandotte, Kansas 7 $ 998,000 $ 142,571 $ 69,000
Essex, Massachusetts 7 $ 1,251,000 $ 178,714 $ 266,000
Plymouth, Massachusetts 7 $ 2,037,000 $ 291,000 $ 86,000
Benton, Minnesota 7 $ 1,029,000 $ 147,000 $ 147,000
Carver, Minnesota 7 $ 3,199,000 $ 457,000 $ 108,000
Rice, Minnesota 7 $ 1,448,000 $ 206,857 $ 71,000
Camden, Missouri 7 $ 1,030,000 $ 147,142 $ 91,000
Camden, New Jersey 7 $ 963,000 $ 137,571 $ 63,000
Summit, Ohio 7 $ 906,000 $ 129,428 $ 55,000
Coos, Oregon 7 $ 2,118,000 $ 302,571 $ 49,000
Richland, South Carolina 7 $ 804,000 $ 114,857 $ 33,000
Kaufman, Texas 7 $ 972,000 $ 138,857 $ 75,000
Iron, Utah 7 $ 1,566,000 $ 223,714 $ 120,000
Arlington, Virginia 7 $ 1,934,000 $ 276,285 $ 141,000
Sauk, Wisconsin 7 $ 1,051,000 $ 150,142 $ 80,000
Russell, Alabama 6 $ 489,000 $ 81,500 $ 42,000
Gila, Arizona 6 $ 1,307,000 $ 217,833 $ 214,000
Calaveras, California 6 $ 1,958,000 $ 326,333 $ 166,000
Humboldt, California 6 $ 1,139,000 $ 189,833 $ 72,000
Garfield, Colorado 6 $ 1,292,000 $ 215,333 $ 96,000
Park, Colorado 6 $ 1,315,000 $ 219,166 $ 110,000
Indian River, Florida 6 $ 1,486,000 $ 247,666 $ 82,000
Coweta, Georgia 6 $ 1,435,000 $ 239,166 $ 99,000
Hall, Georgia 6 $ 860,000 $ 143,333 $ 89,000
Jackson, Georgia 6 $ 803,000 $ 133,833 $ 50,000
Kootenai, Idaho 6 $ 1,125,000 $ 187,500 $ 92,000
Madison, Idaho 6 $ 896,000 $ 149,333 $ 90,000
Boone, Illinois 6 $ 1,083,000 $ 180,500 $ 77,000
Howard, Indiana 6 $ 946,000 $ 157,666 $ 41,000
Charles, Maryland 6 $ 1,923,000 $ 320,500 $ 85,000
St. Mary's, Maryland 6 $ 1,515,000 $ 252,500 $ 88,000
Wicomico, Maryland 6 $ 996,000 $ 166,000 $ 70,000
Worcester, Massachusetts 6 $ 1,572,000 $ 262,000 $ 72,000
Cass, Minnesota 6 $ 3,138,000 $ 523,000 $ 161,000
Christian, Missouri 6 $ 848,000 $ 141,333 $ 53,000
Franklin, Missouri 6 $ 5,016,000 $ 836,000 $ 535,000
Somerset, New Jersey 6 $ 1,641,000 $ 273,500 $ 135,000
Clatsop, Oregon 6 $ 569,000 $ 94,833 $ 39,000
Klamath, Oregon 6 $ 1,587,000 $ 264,500 $ 92,000
Allegheny, Pennsylvania 6 $ 1,236,000 $ 206,000 $ 75,000
Horry, South Carolina 6 $ 1,247,000 $ 207,833 $ 105,000
Hunt, Texas 6 $ 563,000 $ 93,833 $ 54,000
Summit, Utah 6 $ 2,193,000 $ 365,500 $ 616,000
Kitsap, Washington 6 $ 1,286,000 $ 214,333 $ 54,000
Crawford, Wisconsin 6 $ 569,000 $ 94,833 $ 151,000
Eau Claire, Wisconsin 6 $ 701,000 $ 116,833 $ 66,000
Waushara, Wisconsin 6 $ 824,000 $ 137,333 $ 93,000
Shelby, Alabama 5 $ 794,000 $ 158,800 $ 72,000
Yuma, Arizona 5 $ 792,000 $ 158,400 $ 59,000
Marin, California 5 $ 2,044,000 $ 408,800 $ 130,000
Napa, California 5 $ 2,320,000 $ 464,000 $ 116,000
Summit, Colorado 5 $ 1,226,000 $ 245,200 $ 97,000
Citrus, Florida 5 $ 998,000 $ 199,600 $ 77,000
Collier, Florida 5 $ 1,275,000 $ 255,000 $ 123,000
Manatee, Florida 5 $ 1,175,000 $ 235,000 $ 62,000
Martin, Florida 5 $ 1,100,000 $ 220,000 $ 98,000
Bartow, Georgia 5 $ 634,000 $ 126,800 $ 82,000
Maui, Hawaii 5 $ 2,978,000 $ 595,600 $ 314,000
Nez Perce, Idaho 5 $ 733,000 $ 146,600 $ 61,000
Shoshone, Idaho 5 $ 680,000 $ 136,000 $ 159,000
Twin Falls, Idaho 5 $ 560,000 $ 112,000 $ 75,000
Madison, Illinois 5 $ 581,000 $ 116,200 $ 64,000
Jefferson, Louisiana 5 $ 700,000 $ 140,000 $ 54,000
Ouachita, Louisiana 5 $ 588,000 $ 117,600 $ 95,000
Tangipahoa, Louisiana 5 $ 809,000 $ 161,800 $ 72,000
Frederick, Maryland 5 $ 1,488,000 $ 297,600 $ 56,000
Worcester, Maryland 5 $ 1,259,000 $ 251,800 $ 102,000
Bristol, Massachusetts 5 $ 1,350,000 $ 270,000 $ 85,000
Norfolk, Massachusetts 5 $ 1,574,000 $ 314,800 $ 125,000
Jackson, Michigan 5 $ 936,000 $ 187,200 $ 94,000
McLeod, Minnesota 5 $ 754,000 $ 150,800 $ 52,000
St. Louis, Minnesota 5 $ 528,000 $ 105,600 $ 48,000
Cass, Missouri 5 $ 831,000 $ 166,200 $ 72,000
Taney, Missouri 5 $ 1,033,000 $ 206,600 $ 145,000
Essex, New Jersey 5 $ 1,861,000 $ 372,200 $ 99,000
Hudson, New Jersey 5 $ 2,026,000 $ 405,200 $ 159,000
Morris, New Jersey 5 $ 1,481,000 $ 296,200 $ 94,000
Curry, New Mexico 5 $ 539,000 $ 107,800 $ 57,000
Guilford, North Carolina 5 $ 589,000 $ 117,800 $ 51,000
Wake, North Carolina 5 $ 810,000 $ 162,000 $ 120,000
Lebanon, Pennsylvania 5 $ 496,000 $ 99,200 $ 44,000
Aiken, South Carolina 5 $ 844,000 $ 168,800 $ 72,000
Greenville, South Carolina 5 $ 770,000 $ 154,000 $ 39,000
Davidson, Tennessee 5 $ 1,026,000 $ 205,200 $ 92,000
Cameron, Texas 5 $ 488,000 $ 97,600 $ 73,000
San Patricio, Texas 5 $ 752,000 $ 150,400 $ 30,000
Cache, Utah 5 $ 1,034,000 $ 206,800 $ 55,000
Stafford, Virginia 5 $ 790,000 $ 158,000 $ 47,000
Skagit, Washington 5 $ 1,148,000 $ 229,600 $ 91,000
Spokane, Washington 5 $ 868,000 $ 173,600 $ 63,000
Stevens, Washington 5 $ 591,000 $ 118,200 $ 101,000
Chippewa, Wisconsin 5 $ 745,000 $ 149,000 $ 53,000
Juneau, Wisconsin 5 $ 400,000 $ 80,000 $ 21,000
Oneida, Wisconsin 5 $ 580,000 $ 116,000 $ 64,000
Lee, Alabama 4 $ 510,000 $ 127,500 $ 47,000
Mobile, Alabama 4 $ 770,000 $ 192,500 $ 120,000
Coconino, Arizona 4 $ 1,380,000 $ 345,000 $ 120,000
Santa Cruz, Arizona 4 $ 585,000 $ 146,250 $ 79,000
Lassen, California 4 $ 687,000 $ 171,750 $ 94,000
Santa Cruz, California 4 $ 1,300,000 $ 325,000 $ 41,000
Siskiyou, California 4 $ 952,000 $ 238,000 $ 63,000
Mesa, Colorado 4 $ 622,000 $ 155,500 $ 51,000
Litchfield, Connecticut 4 $ 797,000 $ 199,250 $ 59,000
Escambia, Florida 4 $ 949,000 $ 237,250 $ 147,000
Gilmer, Georgia 4 $ 442,000 $ 110,500 $ 86,000
Lumpkin, Georgia 4 $ 394,000 $ 98,500 $ 67,000
Pickens, Georgia 4 $ 862,000 $ 215,500 $ 150,000
Hawaii, Hawaii 4 $ 1,232,000 $ 308,000 $ 119,000
Kauai, Hawaii 4 $ 1,483,000 $ 370,750 $ 161,000
Elkhart, Indiana 4 $ 331,000 $ 82,750 $ 48,000
Henry, Iowa 4 $ 460,000 $ 115,000 $ 58,000
Linn, Iowa 4 $ 692,000 $ 173,000 $ 81,000
Ascension, Louisiana 4 $ 670,000 $ 167,500 $ 79,000
Livingston, Louisiana 4 $ 558,000 $ 139,500 $ 94,000
Kent, Michigan 4 $ 669,000 $ 167,250 $ 93,000
Saginaw, Michigan 4 $ 365,000 $ 91,250 $ 23,000
Washtenaw, Michigan 4 $ 918,000 $ 229,500 $ 45,000
Morrison, Minnesota 4 $ 305,000 $ 76,250 $ 34,000
Winona, Minnesota 4 $ 767,000 $ 191,750 $ 57,000
Greene, Missouri 4 $ 901,000 $ 225,250 $ 119,000
Jasper, Missouri 4 $ 291,000 $ 72,750 $ 41,000
Platte, Missouri 4 $ 996,000 $ 249,000 $ 83,000
Warren, Missouri 4 $ 747,000 $ 186,750 $ 70,000
Douglas, Nevada 4 $ 1,515,000 $ 378,750 $ 97,000
Atlantic, New Jersey 4 $ 540,000 $ 135,000 $ 87,000
Union, New Jersey 4 $ 1,189,000 $ 297,250 $ 92,000
Dona Ana, New Mexico 4 $ 642,000 $ 160,500 $ 45,000
Sandoval, New Mexico 4 $ 553,000 $ 138,250 $ 61,000
Franklin, Ohio 4 $ 765,000 $ 191,250 $ 79,000
Benton, Oregon 4 $ 954,000 $ 238,500 $ 81,000
Columbia, Oregon 4 $ 1,051,000 $ 262,750 $ 74,000
Tillamook, Oregon 4 $ 975,000 $ 243,750 $ 86,000
Berkeley, South Carolina 4 $ 507,000 $ 126,750 $ 62,000
Williamson, Tennessee 4 $ 984,000 $ 246,000 $ 148,000
Chambers, Texas 4 $ 552,000 $ 138,000 $ 113,000
Liberty, Texas 4 $ 598,000 $ 149,500 $ 71,000
Box Elder, Utah 4 $ 413,000 $ 103,250 $ 60,000
Richmond City, Virginia 4 $ 532,000 $ 133,000 $ 44,000
Benton, Washington 4 $ 620,000 $ 155,000 $ 102,000
Grant, Washington 4 $ 1,011,000 $ 252,750 $ 113,000
Klickitat, Washington 4 $ 660,000 $ 165,000 $ 114,000
Whatcom, Washington 4 $ 1,128,000 $ 282,000 $ 91,000
Yakima, Washington 4 $ 737,000 $ 184,250 $ 86,000
Wood, Wisconsin 4 $ 844,000 $ 211,000 $ 77,000
Mariposa, California 3 $ 707,000 $ 235,666 $ 40,000
Plumas, California 3 $ 551,000 $ 183,666 $ 102,000
Fremont, Colorado 3 $ 184,000 $ 61,333 $ 66,000
La Plata, Colorado 3 $ 302,000 $ 100,666 $ 211,000
Morgan, Colorado 3 $ 288,000 $ 96,000 $ 59,000
Middlesex, Connecticut 3 $ 612,000 $ 204,000 $ 60,000
Alachua, Florida 3 $ 579,000 $ 193,000 $ 106,000
Clay, Florida 3 $ 755,000 $ 251,666 $ 114,000
Leon, Florida 3 $ 759,000 $ 253,000 $ 98,000
Monroe, Florida 3 $ 818,000 $ 272,666 $ 102,000
Nassau, Florida 3 $ 746,000 $ 248,666 $ 79,000
Sumter, Florida 3 $ 547,000 $ 182,333 $ 70,000
Chatham, Georgia 3 $ 555,000 $ 185,000 $ 64,000
Boise, Idaho 3 $ 346,000 $ 115,333 $ 192,000
Fremont, Idaho 3 $ 477,000 $ 159,000 $ 62,000
Jefferson, Idaho 3 $ 862,000 $ 287,333 $ 90,000
Ogle, Illinois 3 $ 274,000 $ 91,333 $ 87,000
Hamilton, Indiana 3 $ 345,000 $ 115,000 $ 93,000
Porter, Indiana 3 $ 361,000 $ 120,333 $ 71,000
Dallas, Iowa 3 $ 380,000 $ 126,666 $ 102,000
Washington, Iowa 3 $ 280,000 $ 93,333 $ 64,000
Butler, Kansas 3 $ 280,000 $ 93,333 $ 78,000
Sedgwick, Kansas 3 $ 328,000 $ 109,333 $ 52,000
Jefferson, Kentucky 3 $ 694,000 $ 231,333 $ 80,000
Orleans, Louisiana 3 $ 408,000 $ 136,000 $ 80,000
West Baton Rouge, Louisiana 3 $ 310,000 $ 103,333 $ 86,000
Calvert, Maryland 3 $ 657,000 $ 219,000 $ 77,000
Cecil, Maryland 3 $ 543,000 $ 181,000 $ 51,000
Hampden, Massachusetts 3 $ 423,000 $ 141,000 $ 57,000
Allegan, Michigan 3 $ 663,000 $ 221,000 $ 74,000
Berrien, Michigan 3 $ 170,000 $ 56,666 $ 40,000
Goodhue, Minnesota 3 $ 738,000 $ 246,000 $ 41,000
Isanti, Minnesota 3 $ 532,000 $ 177,333 $ 62,000
Koochiching, Minnesota 3 $ 546,000 $ 182,000 $ 55,000
Le Sueur, Minnesota 3 $ 300,000 $ 100,000 $ 38,000
Meeker, Minnesota 3 $ 713,000 $ 237,666 $ 85,000
Nicollet, Minnesota 3 $ 612,000 $ 204,000 $ 57,000
Andrew, Missouri 3 $ 576,000 $ 192,000 $ 63,000
St. Francois, Missouri 3 $ 350,000 $ 116,666 $ 34,000
Middlesex, New Jersey 3 $ 973,000 $ 324,333 $ 147,000
Union, New Mexico 3 $ 148,000 $ 49,333 $ 26,000
Herkimer, New York 3 $ 246,000 $ 82,000 $ 199,000
Carteret, North Carolina 3 $ 603,000 $ 201,000 $ 137,000
Durham, North Carolina 3 $ 363,000 $ 121,000 $ 48,000
Forsyth, North Carolina 3 $ 413,000 $ 137,666 $ 41,000
Gaston, North Carolina 3 $ 342,000 $ 114,000 $ 36,000
Ward, North Dakota 3 $ 275,000 $ 91,666 $ 42,000
Cuyahoga, Ohio 3 $ 159,000 $ 53,000 $ 38,000
Licking, Ohio 3 $ 351,000 $ 117,000 $ 36,000
Umatilla, Oregon 3 $ 261,000 $ 87,000 $ 13,000
Delaware, Pennsylvania 3 $ 434,000 $ 144,666 $ 80,000
Franklin, Pennsylvania 3 $ 366,000 $ 122,000 $ 51,000
Perry, Pennsylvania 3 $ 390,000 $ 130,000 $ 58,000
Lexington, South Carolina 3 $ 378,000 $ 126,000 $ 49,000
York, South Carolina 3 $ 1,034,000 $ 344,666 $ 51,000
Knox, Tennessee 3 $ 448,000 $ 149,333 $ 39,000
Rutherford, Tennessee 3 $ 487,000 $ 162,333 $ 42,000
Angelina, Texas 3 $ 173,000 $ 57,666 $ 60,000
Henderson, Texas 3 $ 369,000 $ 123,000 $ 69,000
Hood, Texas 3 $ 433,000 $ 144,333 $ 110,000
Parker, Texas 3 $ 283,000 $ 94,333 $ 92,000
Rockwall, Texas 3 $ 318,000 $ 106,000 $ 45,000
Uintah, Utah 3 $ 527,000 $ 175,666 $ 54,000
Alexandria, Virginia 3 $ 856,000 $ 285,333 $ 16,000
Culpeper, Virginia 3 $ 831,000 $ 277,000 $ 82,000
Norfolk, Virginia 3 $ 648,000 $ 216,000 $ 49,000
Cowlitz, Washington 3 $ 787,000 $ 262,333 $ 70,000
Franklin, Washington 3 $ 427,000 $ 142,333 $ 70,000
Island, Washington 3 $ 538,000 $ 179,333 $ 40,000
Lewis, Washington 3 $ 432,000 $ 144,000 $ 73,000
Adams, Wisconsin 3 $ 303,000 $ 101,000 $ 71,000
Columbia, Wisconsin 3 $ 782,000 $ 260,666 $ 79,000
Dunn, Wisconsin 3 $ 208,000 $ 69,333 $ 81,000
Green Lake, Wisconsin 3 $ 567,000 $ 189,000 $ 60,000
Iron, Wisconsin 3 $ 509,000 $ 169,666 $ 182,000
Lincoln, Wisconsin 3 $ 390,000 $ 130,000 $ 74,000
Polk, Wisconsin 3 $ 281,000 $ 93,666 $ 49,000
Rusk, Wisconsin 3 $ 584,000 $ 194,666 $ 80,000
Baldwin, Alabama 2 $ 308,000 $ 154,000 $ 160,000
Del Norte, California 2 $ 443,000 $ 221,500 $ 222,000
Inyo, California 2 $ 672,000 $ 336,000 $ 78,000
San Benito, California 2 $ 935,000 $ 467,500 $ 47,000
Trinity, California 2 $ 398,000 $ 199,000 $ 140,000
Tuolumne, California 2 $ 404,000 $ 202,000 $ 148,000
Archuleta, Colorado 2 $ 385,000 $ 192,500 $ 56,000
Chaffee, Colorado 2 $ 532,000 $ 266,000 $ 80,000
Huerfano, Colorado 2 $ 306,000 $ 153,000 $ 43,000
Montrose, Colorado 2 $ 486,000 $ 243,000 $ 70,000
Pitkin, Colorado 2 $ 700,000 $ 350,000 $ 407,000
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Mortgage Loan Application Detail Totals for American Sterling Bank in 2007

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 9,419 $2,227,818,000 $236,000 $2,250,000 $97,000 $1,920,000
Home Purchase 7,099 $1,432,538,000 $201,000 $1,463,000 $101,000 $9,495,000
Home Improvement 13 $2,320,000 $178,000 $365,000 $120,000 $758,000

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 9,182 $1,978,988,000 $215,000 $2,250,000 $100,000 $2,742,000
Hispanic 3,275 $738,294,000 $225,000 $1,760,000 $87,000 $1,200,000
Black or African American 1,422 $287,032,000 $201,000 $1,500,000 $102,000 $9,495,000
Not Provided 1,320 $305,895,000 $231,000 $1,925,000 $94,000 $1,269,000
Asian 1,111 $298,202,000 $268,000 $1,500,000 $116,000 $1,620,000
Native Hawaiian or Other Pacific Islander 169 $43,822,000 $259,000 $1,000,000 $113,000 $1,200,000
American Indian or Alaskan Native 52 $10,443,000 $200,000 $514,000 $143,000 $1,200,000
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) 15,690 $3,520,833,000 $224,000 $2,250,000 $101,000 $9,495,000
FHA-insured (Federal Housing Administration) 773 $128,573,000 $166,000 $370,000 $59,000 $1,180,000
VA-guaranteed (Veterans Administration) 68 $13,270,000 $195,000 $525,000 $63,000 $120,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 8,040 $1,665,627,000 $207,000 $1,500,000 $89,000 $2,742,000
Application Denied By Financial Institution 3,863 $874,284,000 $226,000 $2,000,000 $112,000 $9,495,000
Application Approved But Not Accepted 2,810 $684,400,000 $243,000 $2,250,000 $102,000 $1,920,000
File Closed For Incompleteness 1,098 $265,024,000 $241,000 $1,950,000 $109,000 $1,200,000
Application Withdrawn By Applicant 720 $173,341,000 $240,000 $1,425,000 $104,000 $1,620,000
Loan Purchased By The Institution 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
Credit History 1,062 $235,820,000 $222,000 $1,763,000 $94,000 $1,200,000
Other 754 $176,659,000 $234,000 $2,000,000 $118,000 $1,680,000
Collateral 569 $131,664,000 $231,000 $1,678,000 $151,000 $9,495,000
Debt-To-Income Ratio 454 $105,413,000 $232,000 $1,028,000 $86,000 $480,000
Credit Application Incomplete 401 $71,231,000 $177,000 $1,000,000 $98,000 $1,416,000
Unverifiable Information 365 $92,078,000 $252,000 $1,700,000 $135,000 $1,059,000
Employment History 174 $42,570,000 $244,000 $960,000 $131,000 $793,000
Insufficient Cash (Downpayment, Closing Cost) 74 $16,768,000 $226,000 $1,000,000 $102,000 $326,000
Mortgage Insurance Denied 10 $2,081,000 $208,000 $470,000 $61,000 $215,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into American Sterling Bank's 2007 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.

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