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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 732 | $ 188,114,000 | $ 256,000 | $ 112,000 |
| LAS VEGAS-PARADISE, NV | 607 | $ 136,243,000 | $ 224,000 | $ 121,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 586 | $ 181,533,000 | $ 309,000 | $ 119,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 481 | $ 180,010,000 | $ 374,000 | $ 133,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 419 | $ 145,864,000 | $ 348,000 | $ 120,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 205 | $ 37,227,000 | $ 181,000 | $ 82,000 |
| DENVER-AURORA, CO | 119 | $ 21,700,000 | $ 182,000 | $ 91,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 67 | $ 22,756,000 | $ 339,000 | $ 116,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 67 | $ 17,542,000 | $ 261,000 | $ 109,000 |
| HONOLULU, HI | 46 | $ 18,856,000 | $ 409,000 | $ 121,000 |
| KANSAS CITY, MO-KS | 44 | $ 3,064,000 | $ 69,000 | $ 55,000 |
| BAKERSFIELD, CA | 43 | $ 9,008,000 | $ 209,000 | $ 94,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 31 | $ 12,004,000 | $ 387,000 | $ 161,000 |
| STOCKTON, CA | 29 | $ 8,412,000 | $ 290,000 | $ 135,000 |
| VALLEJO-FAIRFIELD, CA | 28 | $ 8,195,000 | $ 292,000 | $ 148,000 |
| EL CENTRO, CA | 27 | $ 4,641,000 | $ 171,000 | $ 66,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 27 | $ 9,401,000 | $ 348,000 | $ 120,000 |
| FRESNO, CA | 24 | $ 5,008,000 | $ 208,000 | $ 72,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 24 | $ 10,297,000 | $ 429,000 | $ 117,000 |
| FORT COLLINS-LOVELAND, CO | 23 | $ 4,860,000 | $ 211,000 | $ 75,000 |
| YUMA, AZ | 22 | $ 2,946,000 | $ 133,000 | $ 76,000 |
| TUCSON, AZ | 20 | $ 3,180,000 | $ 159,000 | $ 95,000 |
| VISALIA-PORTERVILLE, CA | 19 | $ 3,091,000 | $ 162,000 | $ 124,000 |
| MODESTO, CA | 17 | $ 4,045,000 | $ 237,000 | $ 82,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 17 | $ 3,515,000 | $ 206,000 | $ 188,000 |
| RENO-SPARKS, NV | 16 | $ 6,209,000 | $ 388,000 | $ 109,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 15 | $ 3,611,000 | $ 240,000 | $ 154,000 |
| ST. LOUIS, MO-IL | 15 | $ 1,860,000 | $ 124,000 | $ 87,000 |
| ALBUQUERQUE, NM | 13 | $ 1,971,000 | $ 151,000 | $ 93,000 |
| SALT LAKE CITY, UT | 13 | $ 2,355,000 | $ 181,000 | $ 107,000 |
| BALTIMORE-TOWSON, MD | 12 | $ 2,669,000 | $ 222,000 | $ 86,000 |
| ORLANDO, FL | 12 | $ 1,891,000 | $ 157,000 | $ 88,000 |
| SANTA ROSA-PETALUMA, CA | 11 | $ 3,362,000 | $ 305,000 | $ 93,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 11 | $ 2,627,000 | $ 238,000 | $ 103,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 10 | $ 2,302,000 | $ 230,000 | $ 107,000 |
| GREELEY, CO | 9 | $ 1,801,000 | $ 200,000 | $ 71,000 |
| MERCED, CA | 9 | $ 2,493,000 | $ 277,000 | $ 172,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 9 | $ 2,232,000 | $ 248,000 | $ 71,000 |
| NEW HAVEN-MILFORD, CT | 9 | $ 2,637,000 | $ 293,000 | $ 77,000 |
| COLORADO SPRINGS, CO | 8 | $ 889,000 | $ 111,000 | $ 55,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 8 | $ 1,836,000 | $ 229,000 | $ 91,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 8 | $ 3,283,000 | $ 410,000 | $ 102,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 8 | $ 1,779,000 | $ 222,000 | $ 137,000 |
| CAPE CORAL-FORT MYERS, FL | 7 | $ 796,000 | $ 113,000 | $ 111,000 |
| CHICO, CA | 7 | $ 860,000 | $ 122,000 | $ 123,000 |
| PRESCOTT, AZ | 7 | $ 1,332,000 | $ 190,000 | $ 99,000 |
| SPRINGFIELD, MO | 7 | $ 877,000 | $ 125,000 | $ 64,000 |
| BOISE CITY-NAMPA, ID | 6 | $ 740,000 | $ 123,000 | $ 34,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 6 | $ 619,000 | $ 103,000 | $ 79,000 |
| HANFORD-CORCORAN, CA | 6 | $ 658,000 | $ 109,000 | $ 46,000 |
| REDDING, CA | 6 | $ 1,782,000 | $ 297,000 | $ 84,000 |
| SALINAS, CA | 6 | $ 2,453,000 | $ 408,000 | $ 116,000 |
| GRAND RAPIDS-WYOMING, MI | 5 | $ 520,000 | $ 104,000 | $ 51,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 5 | $ 692,000 | $ 138,000 | $ 53,000 |
| SARASOTA-BRADENTON-VENICE, FL | 5 | $ 1,019,000 | $ 203,000 | $ 90,000 |
| YUBA CITY, CA | 5 | $ 1,296,000 | $ 259,000 | $ 97,000 |
| BOSTON-QUINCY, MA | 4 | $ 977,000 | $ 244,000 | $ 66,000 |
| BOULDER, CO | 4 | $ 1,107,000 | $ 276,000 | $ 64,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 4 | $ 1,151,000 | $ 287,000 | $ 82,000 |
| MADERA, CA | 4 | $ 805,000 | $ 201,000 | $ 77,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 4 | $ 507,000 | $ 126,000 | $ 72,000 |
| SPOKANE, WA | 4 | $ 610,000 | $ 152,000 | $ 72,000 |
| CHEYENNE, WY | 3 | $ 300,000 | $ 100,000 | $ 54,000 |
| COEUR D'ALENE, ID | 3 | $ 427,000 | $ 142,000 | $ 138,000 |
| ESSEX COUNTY, MA | 3 | $ 978,000 | $ 326,000 | $ 76,000 |
| FLINT, MI | 3 | $ 422,000 | $ 140,000 | $ 59,000 |
| GARY, IN | 3 | $ 478,000 | $ 159,000 | $ 305,000 |
| JACKSONVILLE, FL | 3 | $ 410,000 | $ 136,000 | $ 87,000 |
| NILES-BENTON HARBOR, MI | 3 | $ 316,000 | $ 105,000 | $ 22,000 |
| NORWICH-NEW LONDON, CT | 3 | $ 433,000 | $ 144,000 | $ 65,000 |
| OCALA, FL | 3 | $ 980,000 | $ 326,000 | $ 153,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 3 | $ 465,000 | $ 155,000 | $ 57,000 |
| PORT ST. LUCIE-FORT PIERCE, FL | 3 | $ 807,000 | $ 269,000 | $ 329,000 |
| PROVO-OREM, UT | 3 | $ 577,000 | $ 192,000 | $ 86,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 3 | $ 777,000 | $ 259,000 | $ 94,000 |
| SANTA CRUZ-WATSONVILLE, CA | 3 | $ 1,249,000 | $ 416,000 | $ 397,000 |
| TACOMA, WA | 3 | $ 453,000 | $ 151,000 | $ 65,000 |
| TOPEKA, KS | 3 | $ 304,000 | $ 101,000 | $ 105,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 3 | $ 449,000 | $ 149,000 | $ 74,000 |
| BELLINGHAM, WA | 2 | $ 345,000 | $ 172,000 | $ 81,000 |
| BEND, OR | 2 | $ 353,000 | $ 176,000 | $ 126,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 2 | $ 511,000 | $ 255,000 | $ 65,000 |
| BREMERTON-SILVERDALE, WA | 2 | $ 495,000 | $ 247,000 | $ 134,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 2 | $ 662,000 | $ 331,000 | $ 79,000 |
| CARSON CITY, NV | 2 | $ 448,000 | $ 224,000 | $ 61,000 |
| CORVALLIS, OR | 2 | $ 340,000 | $ 170,000 | $ 64,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 2 | $ 237,000 | $ 118,000 | $ 53,000 |
| EUGENE-SPRINGFIELD, OR | 2 | $ 461,000 | $ 230,000 | $ 120,000 |
| FORT WAYNE, IN | 2 | $ 186,000 | $ 93,000 | $ 36,000 |
| GRAND JUNCTION, CO | 2 | $ 265,000 | $ 132,000 | $ 84,000 |
| IOWA CITY, IA | 2 | $ 192,000 | $ 96,000 | $ 56,000 |
| JACKSON, MI | 2 | $ 325,000 | $ 162,000 | $ 51,000 |
| LAKELAND, FL | 2 | $ 291,000 | $ 145,000 | $ 67,000 |
| LAS CRUCES, NM | 2 | $ 378,000 | $ 189,000 | $ 65,000 |
| LOUISVILLE, KY-IN | 2 | $ 136,000 | $ 68,000 | $ 85,000 |
| LYNCHBURG, VA | 2 | $ 214,000 | $ 107,000 | $ 29,000 |
| OGDEN-CLEARFIELD, UT | 2 | $ 313,000 | $ 156,000 | $ 50,000 |
| OLYMPIA, WA | 2 | $ 405,000 | $ 202,000 | $ 68,000 |
| PANAMA CITY-LYNN HAVEN, FL | 2 | $ 570,000 | $ 285,000 | $ 108,000 |
| PUEBLO, CO | 2 | $ 372,000 | $ 186,000 | $ 518,000 |
| PUNTA GORDA, FL | 2 | $ 630,000 | $ 315,000 | $ 79,000 |
| RICHMOND, VA | 2 | $ 350,000 | $ 175,000 | $ 72,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 2 | $ 542,000 | $ 271,000 | $ 69,000 |
| SALEM, OR | 2 | $ 360,000 | $ 180,000 | $ 45,000 |
| SPRINGFIELD, MA | 2 | $ 340,000 | $ 170,000 | $ 57,000 |
| WARREN-FARMINGTON HILLS-TROY, MI | 2 | $ 194,000 | $ 97,000 | $ 59,000 |
| BANGOR, ME | 1 | $ 113,000 | $ 113,000 | $ 62,000 |
| BARNSTABLE TOWN, MA | 1 | $ 431,000 | $ 431,000 | $ 134,000 |
| BOWLING GREEN, KY | 1 | $ 161,000 | $ 161,000 | $ 180,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 1 | $ 32,000 | $ 32,000 | $ 17,000 |
| CHARLOTTESVILLE, VA | 1 | $ 198,000 | $ 198,000 | $ 60,000 |
| COLUMBUS, IN | 1 | $ 354,000 | $ 354,000 | $ 193,000 |
| DES MOINES, IA | 1 | $ 165,000 | $ 165,000 | $ 36,000 |
| DURHAM, NC | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| FARGO, ND-MN | 1 | $ 117,000 | $ 117,000 | $ 78,000 |
| FARMINGTON, NM | 1 | $ 104,000 | $ 104,000 | $ 34,000 |
| GAINESVILLE, FL | 1 | $ 166,000 | $ 166,000 | $ 87,000 |
| GRAND FORKS, ND-MN | 1 | $ 118,000 | $ 118,000 | $ 0 |
| HOLLAND-GRAND HAVEN, MI | 1 | $ 112,000 | $ 112,000 | $ 51,000 |
| IDAHO FALLS, ID | 1 | $ 88,000 | $ 88,000 | $ 33,000 |
| INDIANAPOLIS, IN | 1 | $ 99,000 | $ 99,000 | $ 47,000 |
| KALAMAZOO-PORTAGE, MI | 1 | $ 140,000 | $ 140,000 | $ 102,000 |
| LANSING-EAST LANSING, MI | 1 | $ 250,000 | $ 250,000 | $ 115,000 |
| LEXINGTON-FAYETTE, KY | 1 | $ 195,000 | $ 195,000 | $ 88,000 |
| MANCHESTER-NASHUA, NH | 1 | $ 360,000 | $ 360,000 | $ 153,000 |
| MEDFORD, OR | 1 | $ 40,000 | $ 40,000 | $ 216,000 |
| MONROE, MI | 1 | $ 119,000 | $ 119,000 | $ 68,000 |
| MOUNT VERNON-ANACORTES, WA | 1 | $ 124,000 | $ 124,000 | $ 91,000 |
| MUSKEGON-NORTON SHORES, MI | 1 | $ 200,000 | $ 200,000 | $ 73,000 |
| NAPA, CA | 1 | $ 521,000 | $ 521,000 | $ 146,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 1 | $ 101,000 | $ 101,000 | $ 25,000 |
| PITTSFIELD, MA | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 1 | $ 88,000 | $ 88,000 | $ 47,000 |
| ROANOKE, VA | 1 | $ 128,000 | $ 128,000 | $ 71,000 |
| ST. GEORGE, UT | 1 | $ 392,000 | $ 392,000 | $ 94,000 |
| VERO BEACH, FL | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| WORCESTER, MA | 1 | $ 154,000 | $ 154,000 | $ 45,000 |
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.
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