American Sterling Bank Mortgage Lending & HMDA Data, 2005
In 2005, American Sterling Bank of Sugar Creek, MO reported 4,405 mortgage applications totaling $1.2 billion, down 35% from 2004. The average application was for $268,886, and applicants reported an average income of $108,939. 46% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (732), Las Vegas-Paradise, NV (607) and Los Angeles-Long Beach-Glendale, CA (586) (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 | 4,405 |
| Total Mortgage Loan Application Amount | $1,184,447,000 |
| Average Mortgage Loan Application Amount | $268,886 |
| Highest Mortgage Loan Application Amount | $2,275,000 |
| Average Applicant Income | $108,939 |
| Highest Applicant Income | $2,220,000 |
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(HMDA) records American Sterling Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 732 | $ 188,114,000 | $ 256,986 | $ 112,000 |
| Las Vegas-Paradise, NV | 607 | $ 136,243,000 | $ 224,453 | $ 121,000 |
| Los Angeles-Long Beach-Glendale, CA | 586 | $ 181,533,000 | $ 309,783 | $ 119,000 |
| Santa Ana-Anaheim-Irvine, CA | 481 | $ 180,010,000 | $ 374,241 | $ 133,000 |
| San Diego-Carlsbad-San Marcos, CA | 419 | $ 145,864,000 | $ 348,124 | $ 120,000 |
| Phoenix-Mesa-Scottsdale, AZ | 205 | $ 37,227,000 | $ 181,595 | $ 82,000 |
| Denver-Aurora, CO | 119 | $ 21,700,000 | $ 182,352 | $ 91,000 |
| Oakland-Fremont-Hayward, CA | 67 | $ 22,756,000 | $ 339,641 | $ 116,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 67 | $ 17,542,000 | $ 261,820 | $ 109,000 |
| Honolulu, HI | 46 | $ 18,856,000 | $ 409,913 | $ 121,000 |
| Kansas City, MO-KS | 44 | $ 3,064,000 | $ 69,636 | $ 55,000 |
| Bakersfield, CA | 43 | $ 9,008,000 | $ 209,488 | $ 94,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 31 | $ 12,004,000 | $ 387,225 | $ 161,000 |
| Stockton, CA | 29 | $ 8,412,000 | $ 290,068 | $ 135,000 |
| Vallejo-Fairfield, CA | 28 | $ 8,195,000 | $ 292,678 | $ 148,000 |
| El Centro, CA | 27 | $ 4,641,000 | $ 171,888 | $ 66,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 27 | $ 9,401,000 | $ 348,185 | $ 120,000 |
| Fresno, CA | 24 | $ 5,008,000 | $ 208,666 | $ 72,000 |
| San Francisco-San Mateo-Redwood City, CA | 24 | $ 10,297,000 | $ 429,041 | $ 117,000 |
| Fort Collins-Loveland, CO | 23 | $ 4,860,000 | $ 211,304 | $ 75,000 |
| Yuma, AZ | 22 | $ 2,946,000 | $ 133,909 | $ 76,000 |
| Tucson, AZ | 20 | $ 3,180,000 | $ 159,000 | $ 95,000 |
| Visalia-Porterville, CA | 19 | $ 3,091,000 | $ 162,684 | $ 124,000 |
| Modesto, CA | 17 | $ 4,045,000 | $ 237,941 | $ 82,000 |
| Tampa-St. Petersburg-Clearwater, FL | 17 | $ 3,515,000 | $ 206,764 | $ 188,000 |
| Reno-Sparks, NV | 16 | $ 6,209,000 | $ 388,062 | $ 109,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 15 | $ 3,611,000 | $ 240,733 | $ 154,000 |
| St. Louis, MO-IL | 15 | $ 1,860,000 | $ 124,000 | $ 87,000 |
| Albuquerque, NM | 13 | $ 1,971,000 | $ 151,615 | $ 93,000 |
| Salt Lake City, UT | 13 | $ 2,355,000 | $ 181,153 | $ 107,000 |
| Baltimore-Towson, MD | 12 | $ 2,669,000 | $ 222,416 | $ 86,000 |
| Orlando, FL | 12 | $ 1,891,000 | $ 157,583 | $ 88,000 |
| Santa Rosa-Petaluma, CA | 11 | $ 3,362,000 | $ 305,636 | $ 93,000 |
| Seattle-Bellevue-Everett, WA | 11 | $ 2,627,000 | $ 238,818 | $ 103,000 |
| Portland-Vancouver-Beaverton, OR-WA | 10 | $ 2,302,000 | $ 230,200 | $ 107,000 |
| Greeley, CO | 9 | $ 1,801,000 | $ 200,111 | $ 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 | $ 111,125 | $ 55,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 1,836,000 | $ 229,500 | $ 91,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 8 | $ 3,283,000 | $ 410,375 | $ 102,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 8 | $ 1,779,000 | $ 222,375 | $ 137,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 796,000 | $ 113,714 | $ 111,000 |
| Chico, CA | 7 | $ 860,000 | $ 122,857 | $ 123,000 |
| Prescott, AZ | 7 | $ 1,332,000 | $ 190,285 | $ 99,000 |
| Springfield, MO | 7 | $ 877,000 | $ 125,285 | $ 64,000 |
| Boise City-Nampa, ID | 6 | $ 740,000 | $ 123,333 | $ 34,000 |
| Detroit-Livonia-Dearborn, MI | 6 | $ 619,000 | $ 103,166 | $ 79,000 |
| Hanford-Corcoran, CA | 6 | $ 658,000 | $ 109,666 | $ 46,000 |
| Redding, CA | 6 | $ 1,782,000 | $ 297,000 | $ 84,000 |
| Salinas, CA | 6 | $ 2,453,000 | $ 408,833 | $ 116,000 |
| Grand Rapids-Wyoming, MI | 5 | $ 520,000 | $ 104,000 | $ 51,000 |
| Hartford-West Hartford-East Hartford, CT | 5 | $ 692,000 | $ 138,400 | $ 53,000 |
| Sarasota-Bradenton-Venice, FL | 5 | $ 1,019,000 | $ 203,800 | $ 90,000 |
| Yuba City, CA | 5 | $ 1,296,000 | $ 259,200 | $ 97,000 |
| Boston-Quincy, MA | 4 | $ 977,000 | $ 244,250 | $ 66,000 |
| Boulder, CO | 4 | $ 1,107,000 | $ 276,750 | $ 64,000 |
| Cambridge-Newton-Framingham, MA | 4 | $ 1,151,000 | $ 287,750 | $ 82,000 |
| Madera, CA | 4 | $ 805,000 | $ 201,250 | $ 77,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 507,000 | $ 126,750 | $ 72,000 |
| Spokane, WA | 4 | $ 610,000 | $ 152,500 | $ 72,000 |
| Cheyenne, WY | 3 | $ 300,000 | $ 100,000 | $ 54,000 |
| Coeur D'Alene, ID | 3 | $ 427,000 | $ 142,333 | $ 138,000 |
| Essex County, MA | 3 | $ 978,000 | $ 326,000 | $ 76,000 |
| Flint, MI | 3 | $ 422,000 | $ 140,666 | $ 59,000 |
| Gary, IN | 3 | $ 478,000 | $ 159,333 | $ 305,000 |
| Jacksonville, FL | 3 | $ 410,000 | $ 136,666 | $ 87,000 |
| Niles-Benton Harbor, MI | 3 | $ 316,000 | $ 105,333 | $ 22,000 |
| Norwich-New London, CT | 3 | $ 433,000 | $ 144,333 | $ 65,000 |
| Ocala, FL | 3 | $ 980,000 | $ 326,666 | $ 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 | $ 192,333 | $ 86,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 777,000 | $ 259,000 | $ 94,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,249,000 | $ 416,333 | $ 397,000 |
| Tacoma, WA | 3 | $ 453,000 | $ 151,000 | $ 65,000 |
| Topeka, KS | 3 | $ 304,000 | $ 101,333 | $ 105,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 449,000 | $ 149,666 | $ 74,000 |
| Bellingham, WA | 2 | $ 345,000 | $ 172,500 | $ 81,000 |
| Bend, OR | 2 | $ 353,000 | $ 176,500 | $ 126,000 |
| Bethesda-Frederick-Gaithersburg, MD | 2 | $ 511,000 | $ 255,500 | $ 65,000 |
| Bremerton-Silverdale, WA | 2 | $ 495,000 | $ 247,500 | $ 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 | $ 118,500 | $ 53,000 |
| Eugene-Springfield, OR | 2 | $ 461,000 | $ 230,500 | $ 120,000 |
| Fort Wayne, IN | 2 | $ 186,000 | $ 93,000 | $ 36,000 |
| Grand Junction, CO | 2 | $ 265,000 | $ 132,500 | $ 84,000 |
| Iowa City, IA | 2 | $ 192,000 | $ 96,000 | $ 56,000 |
| Jackson, MI | 2 | $ 325,000 | $ 162,500 | $ 51,000 |
| Lakeland, FL | 2 | $ 291,000 | $ 145,500 | $ 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 | $ 156,500 | $ 50,000 |
| Olympia, WA | 2 | $ 405,000 | $ 202,500 | $ 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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