American Sterling Bank Mortgage Lending & HMDA Data, 2003
In 2003, American Sterling Bank of Sugar Creek, MO reported 8,301 mortgage applications totaling $1.8 billion. The average application was for $218,831, and applicants reported an average income of $85,492. 62% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Los Angeles-Long Beach, CA (1,321), San Diego, CA (1,304) and Riverside-San Bernardino, CA (1,288) (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 | 8,301 |
| Total Mortgage Loan Application Amount | $1,816,523,000 |
| Average Mortgage Loan Application Amount | $218,831 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $85,492 |
| Highest Applicant Income | $3,996,000 |
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(HMDA) records American Sterling Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach, CA | 1,321 | $ 304,547,000 | $ 230,542 | $ 109,000 |
| San Diego, CA | 1,304 | $ 329,139,000 | $ 252,407 | $ 87,000 |
| Riverside-San Bernardino, CA | 1,288 | $ 243,826,000 | $ 189,305 | $ 80,000 |
| Orange County, CA | 1,261 | $ 344,610,000 | $ 273,283 | $ 94,000 |
| Las Vegas, NV-AZ | 773 | $ 124,510,000 | $ 161,073 | $ 63,000 |
| Oakland, CA | 204 | $ 54,641,000 | $ 267,848 | $ 87,000 |
| Sacramento, CA | 177 | $ 37,372,000 | $ 211,141 | $ 76,000 |
| Springfield, MO | 135 | $ 14,424,000 | $ 106,844 | $ 53,000 |
| Ventura, CA | 114 | $ 30,985,000 | $ 271,798 | $ 104,000 |
| Kansas City, MO-KS | 102 | $ 10,440,000 | $ 102,352 | $ 50,000 |
| Vallejo-Fairfield-Napa, CA | 95 | $ 24,864,000 | $ 261,726 | $ 97,000 |
| San Jose, CA | 91 | $ 30,534,000 | $ 335,538 | $ 125,000 |
| Stockton-Lodi, CA | 77 | $ 16,768,000 | $ 217,766 | $ 70,000 |
| Phoenix-Mesa, AZ | 63 | $ 10,396,000 | $ 165,015 | $ 67,000 |
| Fort Collins-Loveland, CO | 57 | $ 8,945,000 | $ 156,929 | $ 68,000 |
| Denver, CO | 52 | $ 10,905,000 | $ 209,711 | $ 72,000 |
| San Francisco, CA | 52 | $ 19,369,000 | $ 372,480 | $ 125,000 |
| St. Louis, MO-IL | 50 | $ 6,126,000 | $ 122,520 | $ 53,000 |
| Fresno, CA | 48 | $ 7,998,000 | $ 166,625 | $ 82,000 |
| Bakersfield, CA | 46 | $ 6,205,000 | $ 134,891 | $ 84,000 |
| Modesto, CA | 37 | $ 8,252,000 | $ 223,027 | $ 72,000 |
| Santa Rosa, CA | 35 | $ 9,057,000 | $ 258,771 | $ 110,000 |
| Jacksonville, FL | 27 | $ 3,454,000 | $ 127,925 | $ 78,000 |
| Portland-Vancouver, OR-WA | 25 | $ 5,607,000 | $ 224,280 | $ 76,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 25 | $ 7,035,000 | $ 281,400 | $ 107,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 24 | $ 5,743,000 | $ 239,291 | $ 93,000 |
| Greeley, CO | 22 | $ 3,454,000 | $ 157,000 | $ 62,000 |
| Baltimore, MD | 21 | $ 4,774,000 | $ 227,333 | $ 121,000 |
| Joplin, MO | 21 | $ 2,320,000 | $ 110,476 | $ 56,000 |
| Seattle-Bellevue-Everett, WA | 18 | $ 3,772,000 | $ 209,555 | $ 149,000 |
| Salinas, CA | 17 | $ 4,792,000 | $ 281,882 | $ 94,000 |
| Merced, CA | 14 | $ 2,840,000 | $ 202,857 | $ 65,000 |
| Colorado Springs, CO | 13 | $ 1,645,000 | $ 126,538 | $ 60,000 |
| Visalia-Tulare-Porterville, CA | 13 | $ 2,104,000 | $ 161,846 | $ 92,000 |
| Santa Cruz-Watsonville, CA | 12 | $ 3,875,000 | $ 322,916 | $ 122,000 |
| Tucson, AZ | 12 | $ 1,309,000 | $ 109,083 | $ 51,000 |
| Chico-Paradise, CA | 11 | $ 1,394,000 | $ 126,727 | $ 60,000 |
| Minneapolis-St. Paul, MN-WI | 11 | $ 2,679,000 | $ 243,545 | $ 90,000 |
| Reno, NV | 11 | $ 1,421,000 | $ 129,181 | $ 62,000 |
| Orlando, FL | 10 | $ 1,823,000 | $ 182,300 | $ 97,000 |
| Yolo, CA | 10 | $ 1,827,000 | $ 182,700 | $ 74,000 |
| Albuquerque, NM | 9 | $ 1,556,000 | $ 172,888 | $ 95,000 |
| Boulder-Longmont, CO | 9 | $ 1,913,000 | $ 212,555 | $ 102,000 |
| Hartford, CT | 9 | $ 1,435,000 | $ 159,444 | $ 88,000 |
| Salt Lake City-Ogden, UT | 9 | $ 1,299,000 | $ 144,333 | $ 57,000 |
| Redding, CA | 8 | $ 1,642,000 | $ 205,250 | $ 91,000 |
| Miami, FL | 7 | $ 1,773,000 | $ 253,285 | $ 142,000 |
| Yuba City, CA | 7 | $ 1,091,000 | $ 155,857 | $ 80,000 |
| Bremerton, WA | 6 | $ 871,000 | $ 145,166 | $ 58,000 |
| Fort Lauderdale, FL | 6 | $ 1,168,000 | $ 194,666 | $ 62,000 |
| Fort Pierce-Port St. Lucie, FL | 6 | $ 826,000 | $ 137,666 | $ 64,000 |
| Tacoma, WA | 6 | $ 697,000 | $ 116,166 | $ 46,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 1,322,000 | $ 220,333 | $ 110,000 |
| Yuma, AZ | 6 | $ 1,188,000 | $ 198,000 | $ 102,000 |
| Atlanta, GA | 5 | $ 2,141,000 | $ 428,200 | $ 998,000 |
| Columbia, MO | 5 | $ 647,000 | $ 129,400 | $ 51,000 |
| Grand Junction, CO | 5 | $ 621,000 | $ 124,200 | $ 87,000 |
| Indianapolis, IN | 5 | $ 912,000 | $ 182,400 | $ 70,000 |
| Medford-Ashland, OR | 5 | $ 1,221,000 | $ 244,200 | $ 93,000 |
| Naples, FL | 5 | $ 785,000 | $ 157,000 | $ 70,000 |
| New Haven-Meriden, CT | 5 | $ 776,000 | $ 155,200 | $ 107,000 |
| Richmond-Petersburg, VA | 5 | $ 1,216,000 | $ 243,200 | $ 191,000 |
| Anchorage, AK | 4 | $ 817,000 | $ 204,250 | $ 81,000 |
| Oklahoma City, OK | 4 | $ 527,000 | $ 131,750 | $ 79,000 |
| Santa Fe, NM | 4 | $ 1,178,000 | $ 294,500 | $ 115,000 |
| Sarasota-Bradenton, FL | 4 | $ 747,000 | $ 186,750 | $ 123,000 |
| St. Joseph, MO | 4 | $ 285,000 | $ 71,250 | $ 50,000 |
| West Palm Beach-Boca Raton, FL | 4 | $ 564,000 | $ 141,000 | $ 37,000 |
| Wichita, KS | 4 | $ 466,000 | $ 116,500 | $ 65,000 |
| Boise City, ID | 3 | $ 536,000 | $ 178,666 | $ 47,000 |
| Bridgeport, CT | 3 | $ 588,000 | $ 196,000 | $ 119,000 |
| Detroit, MI | 3 | $ 385,000 | $ 128,333 | $ 87,000 |
| Duluth-Superior, MN-WI | 3 | $ 512,000 | $ 170,666 | $ 102,000 |
| Melbourne-Titusville-Palm Bay, FL | 3 | $ 480,000 | $ 160,000 | $ 71,000 |
| Omaha, NE-IA | 3 | $ 239,000 | $ 79,666 | $ 42,000 |
| Stamford-Norwalk, CT | 3 | $ 1,058,000 | $ 352,666 | $ 153,000 |
| Chicago, IL | 2 | $ 253,000 | $ 126,500 | $ 76,000 |
| Eugene-Springfield, OR | 2 | $ 284,000 | $ 142,000 | $ 70,000 |
| Flagstaff, AZ-UT | 2 | $ 684,000 | $ 342,000 | $ 451,000 |
| Fort Myers-Cape Coral, FL | 2 | $ 200,000 | $ 100,000 | $ 93,000 |
| Gainesville, FL | 2 | $ 374,000 | $ 187,000 | $ 83,000 |
| Lafayette, IN | 2 | $ 161,000 | $ 80,500 | $ 85,000 |
| Lakeland-Winter Haven, FL | 2 | $ 170,000 | $ 85,000 | $ 68,000 |
| Olympia, WA | 2 | $ 457,000 | $ 228,500 | $ 103,000 |
| Panama City, FL | 2 | $ 395,000 | $ 197,500 | $ 110,000 |
| Pensacola, FL | 2 | $ 454,000 | $ 227,000 | $ 172,000 |
| Provo-Orem, UT | 2 | $ 329,000 | $ 164,500 | $ 69,000 |
| Punta Gorda, FL | 2 | $ 207,000 | $ 103,500 | $ 48,000 |
| Roanoke, VA | 2 | $ 482,000 | $ 241,000 | $ 46,000 |
| Salem, OR | 2 | $ 248,000 | $ 124,000 | $ 110,000 |
| South Bend, IN | 2 | $ 658,000 | $ 329,000 | $ 134,000 |
| Tallahassee, FL | 2 | $ 324,000 | $ 162,000 | $ 108,000 |
| Ann Arbor, MI | 1 | $ 323,000 | $ 323,000 | $ 143,000 |
| Bellingham, WA | 1 | $ 128,000 | $ 128,000 | $ 58,000 |
| Corvallis, OR | 1 | $ 152,000 | $ 152,000 | $ 45,000 |
| Daytona Beach, FL | 1 | $ 128,000 | $ 128,000 | $ 50,000 |
| Elkhart-Goshen, IN | 1 | $ 30,000 | $ 30,000 | $ 32,000 |
| Fort Walton Beach, FL | 1 | $ 99,000 | $ 99,000 | $ 53,000 |
| Las Cruces, NM | 1 | $ 120,000 | $ 120,000 | $ 295,000 |
| New London-Norwich, CT-RI | 1 | $ 132,000 | $ 132,000 | $ 24,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 1 | $ 117,000 | $ 117,000 | $ 81,000 |
| Ocala, FL | 1 | $ 173,000 | $ 173,000 | $ 80,000 |
| Pueblo, CO | 1 | $ 145,000 | $ 145,000 | $ 65,000 |
| Richland-Kennewick-Pasco, WA | 1 | $ 111,000 | $ 111,000 | $ 72,000 |
| Rochester, MN | 1 | $ 323,000 | $ 323,000 | $ 144,000 |
| Spokane, WA | 1 | $ 81,000 | $ 81,000 | $ 24,000 |
| Topeka, KS | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Tulsa, OK | 1 | $ 113,000 | $ 113,000 | $ 50,000 |
| Waterbury, CT | 1 | $ 157,000 | $ 157,000 | $ 53,000 |
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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