American Sterling Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
American Sterling Bank 2006 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 | 6,146 |
| Total Mortgage Loan Application Amount | $1,469,822,000 |
| Average Mortgage Loan Application Amount | $177,333 |
| Highest Mortgage Loan Application Amount | $3,486,000 |
| Average Applicant Income | $85,333 |
| Highest Applicant Income | $9,999,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 724 | $ 187,759,000 | $ 259,000 | $ 109,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 481 | $ 161,831,000 | $ 336,000 | $ 139,000 |
| LAS VEGAS-PARADISE, NV | 453 | $ 102,960,000 | $ 227,000 | $ 125,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 392 | $ 101,619,000 | $ 259,000 | $ 106,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 298 | $ 101,227,000 | $ 339,000 | $ 142,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 292 | $ 104,541,000 | $ 358,000 | $ 131,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 270 | $ 73,011,000 | $ 270,000 | $ 123,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 188 | $ 26,572,000 | $ 141,000 | $ 91,000 |
| DENVER-AURORA, CO | 162 | $ 28,031,000 | $ 173,000 | $ 107,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 114 | $ 13,924,000 | $ 122,000 | $ 94,000 |
| DALLAS-PLANO-IRVING, TX | 111 | $ 14,365,000 | $ 129,000 | $ 87,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 111 | $ 38,502,000 | $ 346,000 | $ 141,000 |
| ST. LOUIS, MO-IL | 90 | $ 9,834,000 | $ 92,000 | $ 69,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 66 | $ 9,726,000 | $ 147,000 | $ 98,000 |
| FRESNO, CA | 61 | $ 13,695,000 | $ 224,000 | $ 128,000 |
| STOCKTON, CA | 60 | $ 18,284,000 | $ 304,000 | $ 130,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 58 | $ 19,235,000 | $ 299,000 | $ 95,333 |
| BAKERSFIELD, CA | 52 | $ 10,082,000 | $ 193,000 | $ 79,000 |
| GREEN BAY, WI | 48 | $ 5,861,000 | $ 122,000 | $ 50,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 47 | $ 8,230,000 | $ 175,000 | $ 85,000 |
| BALTIMORE-TOWSON, MD | 42 | $ 9,253,000 | $ 220,000 | $ 110,000 |
| FORT WORTH-ARLINGTON, TX | 38 | $ 4,035,000 | $ 106,000 | $ 95,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 36 | $ 8,194,000 | $ 227,000 | $ 70,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 34 | $ 16,847,000 | $ 495,000 | $ 169,000 |
| VALLEJO-FAIRFIELD, CA | 34 | $ 9,643,000 | $ 283,000 | $ 114,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 32 | $ 9,526,000 | $ 297,000 | $ 94,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 32 | $ 8,305,000 | $ 241,500 | $ 75,500 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 31 | $ 7,146,000 | $ 230,000 | $ 81,000 |
| MODESTO, CA | 31 | $ 7,055,000 | $ 227,000 | $ 124,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 31 | $ 14,262,000 | $ 460,000 | $ 119,000 |
| ORLANDO-KISSIMMEE, FL | 30 | $ 6,906,000 | $ 230,000 | $ 120,000 |
| SALT LAKE CITY, UT | 30 | $ 5,362,000 | $ 178,000 | $ 143,000 |
| PRESCOTT, AZ | 28 | $ 5,787,000 | $ 206,000 | $ 74,000 |
| EL CENTRO, CA | 27 | $ 5,282,000 | $ 195,000 | $ 127,000 |
| POCATELLO, ID | 27 | $ 3,096,000 | $ 114,000 | $ 73,000 |
| KANSAS CITY, MO-KS | 26 | $ 4,073,000 | $ 182,500 | $ 163,500 |
| VISALIA-PORTERVILLE, CA | 25 | $ 4,061,000 | $ 162,000 | $ 69,000 |
| HONOLULU, HI | 24 | $ 7,860,000 | $ 327,000 | $ 125,000 |
| APPLETON, WI | 23 | $ 3,113,000 | $ 135,000 | $ 61,000 |
| COLORADO SPRINGS, CO | 23 | $ 2,934,000 | $ 127,000 | $ 67,000 |
| HARRISBURG-CARLISLE, PA | 21 | $ 2,124,000 | $ 101,000 | $ 62,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 20 | $ 7,136,000 | $ 356,000 | $ 178,000 |
| RACINE, WI | 19 | $ 2,463,000 | $ 129,000 | $ 64,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 19 | $ 3,424,000 | $ 180,000 | $ 82,000 |
| COEUR D'ALENE, ID | 18 | $ 3,266,000 | $ 181,000 | $ 242,000 |
| RENO-SPARKS, NV | 18 | $ 4,932,000 | $ 274,000 | $ 113,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 17 | $ 5,910,000 | $ 347,000 | $ 146,000 |
| CORPUS CHRISTI, TX | 17 | $ 1,938,000 | $ 114,000 | $ 78,000 |
| JACKSONVILLE, FL | 17 | $ 3,017,000 | $ 177,000 | $ 89,000 |
| SAN ANTONIO, TX | 17 | $ 1,765,000 | $ 103,000 | $ 109,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 17 | $ 3,120,000 | $ 339,500 | $ 136,500 |
| CHICO, CA | 16 | $ 3,728,000 | $ 233,000 | $ 73,000 |
| YUMA, AZ | 16 | $ 2,657,000 | $ 166,000 | $ 73,000 |
| BATON ROUGE, LA | 15 | $ 2,289,000 | $ 152,000 | $ 78,000 |
| OGDEN-CLEARFIELD, UT | 15 | $ 3,060,000 | $ 204,000 | $ 198,000 |
| TUCSON, AZ | 15 | $ 3,463,000 | $ 230,000 | $ 79,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 15 | $ 2,310,000 | $ 154,000 | $ 87,000 |
| AUSTIN-ROUND ROCK, TX | 14 | $ 2,891,000 | $ 206,000 | $ 139,000 |
| FORT COLLINS-LOVELAND, CO | 14 | $ 3,166,000 | $ 226,000 | $ 119,000 |
| NEW HAVEN-MILFORD, CT | 14 | $ 2,459,000 | $ 175,000 | $ 91,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 14 | $ 2,951,000 | $ 210,000 | $ 109,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 14 | $ 3,893,000 | $ 278,000 | $ 89,000 |
| YUBA CITY, CA | 14 | $ 3,424,000 | $ 244,000 | $ 77,000 |
| CAPE CORAL-FORT MYERS, FL | 13 | $ 2,381,000 | $ 183,000 | $ 119,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 13 | $ 1,735,000 | $ 236,500 | $ 119,000 |
| MADERA, CA | 13 | $ 3,195,000 | $ 245,000 | $ 65,000 |
| YORK-HANOVER, PA | 13 | $ 2,507,000 | $ 192,000 | $ 58,000 |
| BOISE CITY-NAMPA, ID | 12 | $ 1,892,000 | $ 157,000 | $ 59,000 |
| OKLAHOMA CITY, OK | 12 | $ 1,128,000 | $ 94,000 | $ 76,000 |
| ALBUQUERQUE, NM | 11 | $ 1,662,000 | $ 151,000 | $ 135,000 |
| BOULDER, CO | 11 | $ 3,592,000 | $ 326,000 | $ 165,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 11 | $ 2,251,000 | $ 263,500 | $ 98,500 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 11 | $ 3,681,000 | $ 334,000 | $ 102,000 |
| SARASOTA-BRADENTON-VENICE, FL | 11 | $ 2,441,000 | $ 221,000 | $ 85,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 10 | $ 1,655,000 | $ 165,000 | $ 100,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 10 | $ 2,717,000 | $ 271,000 | $ 102,000 |
| MADISON, WI | 10 | $ 1,619,000 | $ 161,000 | $ 77,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 10 | $ 1,801,000 | $ 180,000 | $ 83,000 |
| PORT ST. LUCIE-FORT PIERCE, FL | 10 | $ 1,651,000 | $ 165,000 | $ 129,000 |
| RICHMOND, VA | 10 | $ 1,610,000 | $ 161,000 | $ 159,000 |
| BETHESDA-GAITHERSBURG-FREDERICK, MD | 9 | $ 2,234,000 | $ 248,000 | $ 75,000 |
| FARMINGTON, NM | 9 | $ 1,114,000 | $ 123,000 | $ 62,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 9 | $ 1,514,000 | $ 182,000 | $ 74,000 |
| PROVO-OREM, UT | 9 | $ 2,056,000 | $ 228,000 | $ 113,000 |
| SANTA BARBARA-SANTA MARIA, CA | 9 | $ 2,563,000 | $ 284,000 | $ 79,000 |
| SANTA ROSA-PETALUMA, CA | 9 | $ 3,271,000 | $ 363,000 | $ 71,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 8 | $ 1,514,000 | $ 189,000 | $ 65,000 |
| GREELEY, CO | 8 | $ 916,000 | $ 114,000 | $ 64,000 |
| LANCASTER, PA | 8 | $ 813,000 | $ 101,000 | $ 46,000 |
| MCALLEN-EDINBURG-MISSION, TX | 8 | $ 867,000 | $ 108,000 | $ 48,000 |
| PHILADELPHIA, PA | 8 | $ 765,000 | $ 95,000 | $ 149,000 |
| PUEBLO, CO | 8 | $ 1,252,000 | $ 156,000 | $ 83,000 |
| HANFORD-CORCORAN, CA | 7 | $ 1,140,000 | $ 162,000 | $ 288,000 |
| IDAHO FALLS, ID | 7 | $ 988,000 | $ 141,000 | $ 53,000 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 7 | $ 674,000 | $ 96,000 | $ 39,000 |
| LAKELAND, FL | 7 | $ 948,000 | $ 135,000 | $ 100,000 |
| NORWICH-NEW LONDON, CT | 7 | $ 1,483,000 | $ 211,000 | $ 81,000 |
| SPRINGFIELD, MO | 7 | $ 607,000 | $ 86,000 | $ 67,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 6 | $ 682,000 | $ 113,000 | $ 67,000 |
| FLAGSTAFF, AZ | 6 | $ 1,801,000 | $ 300,000 | $ 114,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 6 | $ 4,555,000 | $ 759,000 | $ 271,000 |
| GARY, IN | 6 | $ 869,000 | $ 144,000 | $ 86,000 |
| GRAND JUNCTION, CO | 6 | $ 859,000 | $ 143,000 | $ 117,000 |
| MERCED, CA | 6 | $ 1,430,000 | $ 238,000 | $ 48,000 |
| PANAMA CITY-LYNN HAVEN, FL | 6 | $ 1,654,000 | $ 275,000 | $ 165,000 |
| SALEM, OR | 6 | $ 784,000 | $ 130,000 | $ 67,000 |
| SPOKANE, WA | 6 | $ 1,013,000 | $ 168,000 | $ 120,000 |
| TYLER, TX | 6 | $ 807,000 | $ 134,000 | $ 67,000 |
| WAUSAU, WI | 6 | $ 583,000 | $ 97,000 | $ 48,000 |
| COLLEGE STATION-BRYAN, TX | 5 | $ 387,000 | $ 77,000 | $ 18,000 |
| EUGENE-SPRINGFIELD, OR | 5 | $ 1,164,000 | $ 232,000 | $ 78,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 5 | $ 536,000 | $ 107,000 | $ 70,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 5 | $ 801,000 | $ 209,000 | $ 75,000 |
| INDIANAPOLIS-CARMEL, IN | 5 | $ 654,000 | $ 130,000 | $ 81,000 |
| KOKOMO, IN | 5 | $ 366,000 | $ 73,000 | $ 45,000 |
| MIDLAND, TX | 5 | $ 279,000 | $ 55,000 | $ 99,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 5 | $ 1,760,000 | $ 352,000 | $ 215,000 |
| NAPLES-MARCO ISLAND, FL | 5 | $ 1,230,000 | $ 246,000 | $ 94,000 |
| OSHKOSH-NEENAH, WI | 5 | $ 522,000 | $ 104,000 | $ 72,000 |
| REDDING, CA | 5 | $ 595,000 | $ 119,000 | $ 47,000 |
| SALINAS, CA | 5 | $ 2,590,000 | $ 518,000 | $ 249,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 5 | $ 413,000 | $ 111,500 | $ 33,500 |
| TACOMA, WA | 5 | $ 1,042,000 | $ 208,000 | $ 70,000 |
| TULSA, OK | 5 | $ 416,000 | $ 83,000 | $ 90,000 |
| BOSTON-QUINCY, MA | 4 | $ 1,437,000 | $ 359,000 | $ 82,000 |
| COLUMBUS, OH | 4 | $ 222,000 | $ 55,000 | $ 139,000 |
| LAFAYETTE, IN | 4 | $ 243,000 | $ 60,000 | $ 89,000 |
| LOUISVILLE-JEFFERSON COUNTY, KY-IN | 4 | $ 412,000 | $ 103,000 | $ 58,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 4 | $ 598,000 | $ 149,000 | $ 131,000 |
| NILES-BENTON HARBOR, MI | 4 | $ 463,000 | $ 115,000 | $ 51,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 4 | $ 653,000 | $ 163,000 | $ 80,000 |
| RALEIGH-CARY, NC | 4 | $ 1,303,000 | $ 325,000 | $ 114,000 |
| SEBASTIAN-VERO BEACH, FL | 4 | $ 1,278,000 | $ 319,000 | $ 121,000 |
| SHEBOYGAN, WI | 4 | $ 720,000 | $ 180,000 | $ 138,000 |
| WILMINGTON, NC | 4 | $ 896,000 | $ 224,000 | $ 72,000 |
| WINSTON-SALEM, NC | 4 | $ 418,000 | $ 104,000 | $ 77,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 3 | $ 290,000 | $ 96,000 | $ 56,000 |
| ASHEVILLE, NC | 3 | $ 657,000 | $ 219,000 | $ 65,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 3 | $ 341,000 | $ 113,000 | $ 55,000 |
| BROWNSVILLE-HARLINGEN, TX | 3 | $ 320,000 | $ 106,000 | $ 122,000 |
| EAU CLAIRE, WI | 3 | $ 391,000 | $ 130,000 | $ 111,000 |
| EDISON, NJ | 3 | $ 775,000 | $ 258,000 | $ 37,000 |
| ELKHART-GOSHEN, IN | 3 | $ 220,000 | $ 73,000 | $ 46,000 |
| GAINESVILLE, FL | 3 | $ 460,000 | $ 153,000 | $ 65,000 |
| GAINESVILLE, GA | 3 | $ 262,000 | $ 87,000 | $ 93,000 |
| GRAND RAPIDS-WYOMING, MI | 3 | $ 388,000 | $ 129,000 | $ 55,000 |
| LEWISTON-AUBURN, ME | 3 | $ 344,000 | $ 114,000 | $ 46,000 |
| LONGVIEW, WA | 3 | $ 384,000 | $ 128,000 | $ 12,000 |
| OCALA, FL | 3 | $ 436,000 | $ 145,000 | $ 30,000 |
| PITTSBURGH, PA | 3 | $ 428,000 | $ 142,000 | $ 75,000 |
| PUNTA GORDA, FL | 3 | $ 872,000 | $ 290,000 | $ 136,000 |
| ROCHESTER, MN | 3 | $ 476,000 | $ 158,000 | $ 87,000 |
| SHREVEPORT-BOSSIER CITY, LA | 3 | $ 371,000 | $ 123,000 | $ 175,000 |
| ST. GEORGE, UT | 3 | $ 504,000 | $ 168,000 | $ 171,000 |
| WILMINGTON, DE-MD-NJ | 3 | $ 729,000 | $ 258,500 | $ 125,000 |
| WORCESTER, MA | 3 | $ 950,000 | $ 316,000 | $ 112,000 |
| AMARILLO, TX | 2 | $ 213,000 | $ 106,000 | $ 105,000 |
| ANN ARBOR, MI | 2 | $ 286,000 | $ 143,000 | $ 84,000 |
| BARNSTABLE TOWN, MA | 2 | $ 1,345,000 | $ 672,000 | $ 188,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 2 | $ 739,000 | $ 369,000 | $ 91,000 |
| CHAMPAIGN-URBANA, IL | 2 | $ 65,000 | $ 32,000 | $ 31,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 2 | $ 97,000 | $ 48,000 | $ 32,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 2 | $ 68,000 | $ 34,000 | $ 30,000 |
| DES MOINES-WEST DES MOINES, IA | 2 | $ 317,000 | $ 158,000 | $ 37,000 |
| DURHAM, NC | 2 | $ 171,000 | $ 85,000 | $ 240,000 |
| FLINT, MI | 2 | $ 211,000 | $ 105,000 | $ 50,000 |
| FOND DU LAC, WI | 2 | $ 175,000 | $ 87,000 | $ 128,000 |
| FORT WAYNE, IN | 2 | $ 104,000 | $ 52,000 | $ 42,000 |
| GREENSBORO-HIGH POINT, NC | 2 | $ 146,000 | $ 73,000 | $ 51,000 |
| HOLLAND-GRAND HAVEN, MI | 2 | $ 407,000 | $ 203,000 | $ 141,000 |
| JACKSON, MI | 2 | $ 315,000 | $ 157,000 | $ 84,000 |
| JANESVILLE, WI | 2 | $ 85,000 | $ 42,000 | $ 66,000 |
| KENNEWICK-RICHLAND-PASCO, WA | 2 | $ 398,000 | $ 199,000 | $ 181,000 |
| LAFAYETTE, LA | 2 | $ 228,000 | $ 114,000 | $ 54,000 |
| LEXINGTON-FAYETTE, KY | 2 | $ 245,000 | $ 122,000 | $ 63,000 |
| LINCOLN, NE | 2 | $ 125,000 | $ 62,000 | $ 67,000 |
| LYNCHBURG, VA | 2 | $ 294,000 | $ 147,000 | $ 75,000 |
| MICHIGAN CITY-LA PORTE, IN | 2 | $ 116,000 | $ 58,000 | $ 43,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 2 | $ 328,000 | $ 164,000 | $ 93,000 |
| PITTSFIELD, MA | 2 | $ 562,000 | $ 281,000 | $ 259,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 2 | $ 337,000 | $ 168,000 | $ 86,000 |
| ROCKY MOUNT, NC | 2 | $ 90,000 | $ 45,000 | $ 72,000 |
| SANTA FE, NM | 2 | $ 341,000 | $ 170,000 | $ 92,000 |
| SPRINGFIELD, MA | 2 | $ 281,000 | $ 140,000 | $ 44,000 |
| TALLAHASSEE, FL | 2 | $ 353,000 | $ 176,000 | $ 81,000 |
| VINELAND-MILLVILLE-BRIDGETON, NJ | 2 | $ 315,000 | $ 157,000 | $ 186,000 |
| ABILENE, TX | 1 | $ 84,000 | $ 84,000 | $ 27,000 |
| ALBANY, GA | 1 | $ 131,000 | $ 131,000 | $ 52,000 |
| BATTLE CREEK, MI | 1 | $ 232,000 | $ 232,000 | $ 81,000 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 1 | $ 80,000 | $ 80,000 | $ 28,000 |
| BREMERTON-SILVERDALE, WA | 1 | $ 215,000 | $ 215,000 | $ 50,000 |
| CARSON CITY, NV | 1 | $ 292,000 | $ 292,000 | $ 82,000 |
| CHEYENNE, WY | 1 | $ 200,000 | $ 200,000 | $ 71,000 |
| COLUMBIA, MO | 1 | $ 47,000 | $ 47,000 | $ 55,000 |
| COLUMBIA, SC | 1 | $ 145,000 | $ 145,000 | $ 0 |
| EL PASO, TX | 1 | $ 77,000 | $ 77,000 | $ 81,000 |
| ESSEX COUNTY, MA | 1 | $ 200,000 | $ 200,000 | $ 78,000 |
| EVANSVILLE, IN-KY | 1 | $ 188,000 | $ 188,000 | $ 208,000 |
| FARGO, ND-MN | 1 | $ 54,000 | $ 54,000 | $ 122,000 |
| GREENVILLE, SC | 1 | $ 105,000 | $ 105,000 | $ 26,000 |
| HARRISONBURG, VA | 1 | $ 212,000 | $ 212,000 | $ 114,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 1 | $ 99,000 | $ 99,000 | $ 0 |
| IOWA CITY, IA | 1 | $ 81,000 | $ 81,000 | $ 39,000 |
| JACKSONVILLE, NC | 1 | $ 49,000 | $ 49,000 | $ 73,000 |
| JOPLIN, MO | 1 | $ 122,000 | $ 122,000 | $ 0 |
| LA CROSSE, WI-MN | 1 | $ 133,000 | $ 133,000 | $ 96,000 |
| LEBANON, PA | 1 | $ 152,000 | $ 152,000 | $ 60,000 |
| LONGVIEW, TX | 1 | $ 138,000 | $ 138,000 | $ 77,000 |
| MACON, GA | 1 | $ 279,000 | $ 279,000 | $ 94,000 |
| MEDFORD, OR | 1 | $ 304,000 | $ 304,000 | $ 80,000 |
| MONROE, LA | 1 | $ 146,000 | $ 146,000 | $ 69,000 |
| MONROE, MI | 1 | $ 180,000 | $ 180,000 | $ 96,000 |
| MOUNT VERNON-ANACORTES, WA | 1 | $ 280,000 | $ 280,000 | $ 108,000 |
| MUSKEGON-NORTON SHORES, MI | 1 | $ 215,000 | $ 215,000 | $ 285,000 |
| NEWARK-UNION, NJ-PA | 1 | $ 366,000 | $ 366,000 | $ 80,000 |
| OLYMPIA, WA | 1 | $ 231,000 | $ 231,000 | $ 59,000 |
| ROCKFORD, IL | 1 | $ 206,000 | $ 206,000 | $ 50,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 1 | $ 47,000 | $ 47,000 | $ 66,000 |
| SALISBURY, MD | 1 | $ 147,000 | $ 147,000 | $ 61,000 |
| WACO, TX | 1 | $ 189,000 | $ 189,000 | $ 131,000 |
| WINCHESTER, VA-WV | 1 | $ 158,000 | $ 158,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for American Sterling Bank in 2006
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 | 3,984 | $1,030,075,000 | $258,000 | $3,486,000 | $105,000 | $3,286,000 |
| Home Purchase | 2,158 | $439,463,000 | $203,000 | $1,675,000 | $125,000 | $9,999,000 |
| Home Improvement | 4 | $284,000 | $71,000 | $199,000 | $26,000 | $62,000 |
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 | 3,278 | $761,525,000 | $232,000 | $3,486,000 | $113,000 | $3,286,000 |
| Hispanic | 1,126 | $266,457,000 | $236,000 | $1,350,000 | $108,000 | $9,999,000 |
| Not Provided | 725 | $204,889,000 | $282,000 | $1,500,000 | $111,000 | $807,000 |
| Asian | 496 | $124,606,000 | $251,000 | $1,151,000 | $118,000 | $1,010,000 |
| Black or African American | 417 | $87,220,000 | $209,000 | $1,500,000 | $107,000 | $1,920,000 |
| Native Hawaiian or Other Pacific Islander | 86 | $21,938,000 | $255,000 | $649,000 | $111,000 | $1,140,000 |
| American Indian or Alaskan Native | 18 | $3,187,000 | $177,000 | $532,000 | $116,000 | $394,000 |
| 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) | 6,047 | $1,455,856,000 | $240,000 | $3,486,000 | $113,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 91 | $12,683,000 | $139,000 | $366,000 | $55,000 | $134,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,283,000 | $160,000 | $243,000 | $59,000 | $102,000 |
| 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 | 2,992 | $675,800,000 | $225,000 | $1,691,000 | $103,000 | $3,286,000 |
| Application Denied By Financial Institution | 1,449 | $331,072,000 | $228,000 | $3,486,000 | $128,000 | $9,999,000 |
| Application Approved But Not Accepted | 1,163 | $318,896,000 | $274,000 | $1,710,000 | $107,000 | $1,140,000 |
| File Closed For Incompleteness | 403 | $103,513,000 | $256,000 | $1,000,000 | $126,000 | $643,000 |
| Application Withdrawn By Applicant | 120 | $35,778,000 | $298,000 | $1,788,000 | $125,000 | $535,000 |
| Preapproval Approved but not Accepted | 15 | $3,973,000 | $264,000 | $650,000 | $108,000 | $221,000 |
| Preapproval Denied by Financial Institution | 4 | $790,000 | $197,000 | $316,000 | $225,000 | $807,000 |
| 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 | 503 | $111,958,000 | $222,000 | $1,250,000 | $105,000 | $752,000 |
| Other | 275 | $60,987,000 | $221,000 | $3,486,000 | $142,000 | $840,000 |
| Debt-To-Income Ratio | 176 | $39,500,000 | $224,000 | $1,200,000 | $93,000 | $807,000 |
| Collateral | 172 | $44,343,000 | $257,000 | $1,500,000 | $182,000 | $9,999,000 |
| Unverifiable Information | 161 | $41,593,000 | $258,000 | $1,500,000 | $141,000 | $660,000 |
| Credit Application Incomplete | 93 | $16,196,000 | $174,000 | $986,000 | $163,000 | $1,920,000 |
| Employment History | 44 | $11,174,000 | $253,000 | $1,350,000 | $123,000 | $491,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 28 | $6,029,000 | $215,000 | $882,000 | $101,000 | $333,000 |
| Mortgage Insurance Denied | 1 | $82,000 | $82,000 | $82,000 | $107,000 | $107,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Sterling Bank's 2006 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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with aggregated HMDA statistics today.