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(HMDA) records American Sterling Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,143 | $ 316,004,000 | $ 276,468 | $ 113,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,036 | $ 239,762,000 | $ 231,430 | $ 99,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1,005 | $ 259,822,000 | $ 258,529 | $ 117,000 |
| Chicago-Naperville-Joliet, IL | 808 | $ 192,263,000 | $ 237,949 | $ 101,000 |
| Los Angeles-Long Beach-Glendale, CA | 751 | $ 251,122,000 | $ 334,383 | $ 119,000 |
| Milwaukee-Waukesha-West Allis, WI | 704 | $ 112,906,000 | $ 160,377 | $ 76,000 |
| Atlanta-Sandy Springs-Marietta, GA | 623 | $ 117,308,000 | $ 188,295 | $ 122,000 |
| Denver-Aurora, CO | 510 | $ 92,222,000 | $ 180,827 | $ 80,000 |
| Las Vegas-Paradise, NV | 510 | $ 123,522,000 | $ 242,200 | $ 113,000 |
| Houston-Sugar Land-Baytown, TX | 509 | $ 69,441,000 | $ 136,426 | $ 90,000 |
| San Diego-Carlsbad-San Marcos, CA | 448 | $ 136,267,000 | $ 304,167 | $ 117,000 |
| Santa Ana-Anaheim-Irvine, CA | 361 | $ 129,275,000 | $ 358,102 | $ 137,000 |
| St. Louis, MO-IL | 354 | $ 53,100,000 | $ 150,000 | $ 74,813 |
| Dallas-Plano-Irving, TX | 347 | $ 52,624,000 | $ 151,654 | $ 79,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 317 | $ 69,185,000 | $ 218,249 | $ 78,473 |
| Green Bay, WI | 253 | $ 32,676,000 | $ 129,154 | $ 72,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 237 | $ 69,030,000 | $ 291,265 | $ 104,396 |
| Portland-Vancouver-Beaverton, OR-WA | 227 | $ 54,721,000 | $ 241,061 | $ 97,814 |
| Oakland-Fremont-Hayward, CA | 176 | $ 60,209,000 | $ 342,096 | $ 133,000 |
| Stockton, CA | 164 | $ 44,341,000 | $ 270,371 | $ 119,000 |
| Seattle-Bellevue-Everett, WA | 161 | $ 44,866,000 | $ 278,670 | $ 98,000 |
| Lake County-Kenosha County, IL-WI | 160 | $ 39,515,000 | $ 246,968 | $ 109,212 |
| Baltimore-Towson, MD | 151 | $ 30,800,000 | $ 203,973 | $ 73,000 |
| Salt Lake City, UT | 134 | $ 28,567,000 | $ 213,186 | $ 121,000 |
| Kansas City, MO-KS | 119 | $ 17,957,000 | $ 150,899 | $ 75,436 |
| Boise City-Nampa, ID | 110 | $ 18,935,000 | $ 172,136 | $ 82,000 |
| Fort Worth-Arlington, TX | 105 | $ 14,978,000 | $ 142,647 | $ 93,000 |
| Fresno, CA | 97 | $ 20,676,000 | $ 213,154 | $ 110,000 |
| Miami-Miami Beach-Kendall, FL | 92 | $ 23,332,000 | $ 253,608 | $ 88,000 |
| Orlando-Kissimmee, FL | 91 | $ 20,638,000 | $ 226,791 | $ 92,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 85 | $ 20,535,000 | $ 241,588 | $ 127,000 |
| Bakersfield, CA | 81 | $ 16,484,000 | $ 203,506 | $ 86,000 |
| McAllen-Edinburg-Mission, TX | 77 | $ 9,440,000 | $ 122,597 | $ 58,000 |
| Ogden-Clearfield, UT | 77 | $ 15,272,000 | $ 198,337 | $ 135,000 |
| Racine, WI | 77 | $ 11,995,000 | $ 155,779 | $ 81,000 |
| Tampa-St. Petersburg-Clearwater, FL | 73 | $ 13,390,000 | $ 183,424 | $ 92,000 |
| Detroit-Livonia-Dearborn, MI | 72 | $ 10,280,000 | $ 142,777 | $ 76,000 |
| Modesto, CA | 69 | $ 18,087,000 | $ 262,130 | $ 101,000 |
| Appleton, WI | 67 | $ 8,244,000 | $ 123,044 | $ 80,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 63 | $ 16,509,000 | $ 262,047 | $ 104,000 |
| Prescott, AZ | 60 | $ 11,995,000 | $ 199,916 | $ 82,000 |
| Vallejo-Fairfield, CA | 58 | $ 19,327,000 | $ 333,224 | $ 128,000 |
| Corpus Christi, TX | 56 | $ 7,876,000 | $ 140,642 | $ 73,000 |
| Provo-Orem, UT | 55 | $ 12,554,000 | $ 228,254 | $ 123,000 |
| Pocatello, ID | 53 | $ 6,544,000 | $ 123,471 | $ 65,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 53 | $ 24,344,000 | $ 459,320 | $ 152,000 |
| Salem, OR | 49 | $ 9,642,000 | $ 196,775 | $ 66,000 |
| Tucson, AZ | 49 | $ 8,726,000 | $ 178,081 | $ 69,000 |
| Oshkosh-Neenah, WI | 47 | $ 5,286,000 | $ 112,468 | $ 58,000 |
| Yuba City, CA | 46 | $ 10,805,000 | $ 234,891 | $ 109,000 |
| Madison, WI | 45 | $ 8,157,000 | $ 181,266 | $ 81,000 |
| Tacoma, WA | 45 | $ 10,732,000 | $ 238,488 | $ 132,000 |
| Chico, CA | 44 | $ 8,492,000 | $ 193,000 | $ 75,000 |
| San Francisco-San Mateo-Redwood City, CA | 44 | $ 15,899,000 | $ 361,340 | $ 221,000 |
| South Bend-Mishawaka, IN-MI | 44 | $ 3,527,000 | $ 80,159 | $ 54,636 |
| Philadelphia, PA | 42 | $ 5,966,000 | $ 142,047 | $ 112,000 |
| Colorado Springs, CO | 41 | $ 7,563,000 | $ 184,463 | $ 84,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 40 | $ 14,129,000 | $ 353,225 | $ 87,000 |
| San Antonio, TX | 39 | $ 4,644,000 | $ 119,076 | $ 72,000 |
| Eugene-Springfield, OR | 37 | $ 8,317,000 | $ 224,783 | $ 74,000 |
| Bend, OR | 36 | $ 8,771,000 | $ 243,638 | $ 96,000 |
| Greeley, CO | 36 | $ 6,105,000 | $ 169,583 | $ 86,000 |
| Lake Havasu City-Kingman, AZ | 35 | $ 6,878,000 | $ 196,514 | $ 124,000 |
| Rockford, IL | 35 | $ 4,238,000 | $ 121,085 | $ 57,000 |
| Albuquerque, NM | 34 | $ 5,760,000 | $ 169,411 | $ 55,000 |
| El Centro, CA | 34 | $ 6,593,000 | $ 193,911 | $ 76,000 |
| Baton Rouge, LA | 33 | $ 5,193,000 | $ 157,363 | $ 96,000 |
| Austin-Round Rock, TX | 32 | $ 7,553,000 | $ 236,031 | $ 138,000 |
| Richmond, VA | 32 | $ 7,233,000 | $ 226,031 | $ 90,000 |
| Des Moines-West Des Moines, IA | 31 | $ 5,201,000 | $ 167,774 | $ 82,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 31 | $ 7,039,000 | $ 227,064 | $ 96,000 |
| Warren-Troy-Farmington Hills, MI | 31 | $ 5,265,000 | $ 169,838 | $ 100,000 |
| Bethesda-Gaithersburg-Frederick, MD | 30 | $ 9,411,000 | $ 313,700 | $ 89,000 |
| Gary, IN | 30 | $ 3,739,000 | $ 124,633 | $ 57,000 |
| Harrisburg-Carlisle, PA | 29 | $ 4,133,000 | $ 142,517 | $ 67,000 |
| Jacksonville, FL | 29 | $ 6,001,000 | $ 206,931 | $ 97,000 |
| Oklahoma City, OK | 28 | $ 3,340,000 | $ 119,285 | $ 117,000 |
| Port St. Lucie, FL | 27 | $ 5,301,000 | $ 196,333 | $ 134,000 |
| Wausau, WI | 27 | $ 3,204,000 | $ 118,666 | $ 78,000 |
| Fort Collins-Loveland, CO | 25 | $ 5,463,000 | $ 218,520 | $ 93,000 |
| Merced, CA | 25 | $ 6,630,000 | $ 265,200 | $ 85,000 |
| Palm Bay-Melbourne-Titusville, FL | 25 | $ 4,907,000 | $ 196,280 | $ 76,000 |
| Birmingham-Hoover, AL | 24 | $ 4,147,000 | $ 172,791 | $ 78,000 |
| Columbus, GA-AL | 24 | $ 2,555,000 | $ 106,458 | $ 51,750 |
| Sarasota-Bradenton-Venice, FL | 24 | $ 5,907,000 | $ 246,125 | $ 165,000 |
| El Paso, TX | 23 | $ 3,169,000 | $ 137,782 | $ 66,000 |
| Reno-Sparks, NV | 23 | $ 6,253,000 | $ 271,869 | $ 83,000 |
| Decatur, AL | 22 | $ 2,046,000 | $ 93,000 | $ 44,000 |
| Memphis, TN-MS-AR | 21 | $ 2,311,000 | $ 110,047 | $ 89,000 |
| Visalia-Porterville, CA | 21 | $ 4,242,000 | $ 202,000 | $ 75,000 |
| Boston-Quincy, MA | 20 | $ 6,709,000 | $ 335,450 | $ 119,000 |
| Honolulu, HI | 20 | $ 6,604,000 | $ 330,200 | $ 105,000 |
| Killeen-Temple-Fort Hood, TX | 20 | $ 1,879,000 | $ 93,950 | $ 52,000 |
| Santa Rosa-Petaluma, CA | 20 | $ 5,552,000 | $ 277,600 | $ 215,000 |
| Charlotte-Gastonia-Concord, NC-SC | 19 | $ 3,646,000 | $ 191,894 | $ 58,578 |
| Columbus, OH | 19 | $ 2,718,000 | $ 143,052 | $ 49,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 19 | $ 3,407,000 | $ 179,315 | $ 88,000 |
| Boulder, CO | 17 | $ 4,282,000 | $ 251,882 | $ 173,000 |
| Farmington, NM | 16 | $ 3,334,000 | $ 208,375 | $ 99,000 |
| Newark-Union, NJ-PA | 16 | $ 5,038,000 | $ 314,875 | $ 94,375 |
| Cape Coral-Fort Myers, FL | 15 | $ 3,446,000 | $ 229,733 | $ 95,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 15 | $ 2,679,000 | $ 178,600 | $ 49,000 |
| Hartford-West Hartford-East Hartford, CT | 15 | $ 4,239,000 | $ 282,600 | $ 85,000 |
| Medford, OR | 15 | $ 3,125,000 | $ 208,333 | $ 62,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 15 | $ 2,969,000 | $ 197,933 | $ 95,000 |
| Redding, CA | 15 | $ 2,850,000 | $ 190,000 | $ 63,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 15 | $ 4,789,000 | $ 319,266 | $ 118,000 |
| St. Cloud, MN | 15 | $ 2,261,000 | $ 150,733 | $ 102,000 |
| York-Hanover, PA | 15 | $ 2,030,000 | $ 135,333 | $ 86,000 |
| Augusta-Richmond County, GA-SC | 14 | $ 1,663,000 | $ 118,785 | $ 50,142 |
| Lakeland, FL | 14 | $ 2,341,000 | $ 167,214 | $ 80,000 |
| Pueblo, CO | 14 | $ 2,146,000 | $ 153,285 | $ 49,000 |
| Idaho Falls, ID | 13 | $ 1,734,000 | $ 133,384 | $ 51,000 |
| Salinas, CA | 13 | $ 4,889,000 | $ 376,076 | $ 105,000 |
| Sheboygan, WI | 12 | $ 1,731,000 | $ 144,250 | $ 60,000 |
| Bridgeport-Stamford-Norwalk, CT | 11 | $ 4,177,000 | $ 379,727 | $ 125,000 |
| Camden, NJ | 11 | $ 1,758,000 | $ 159,818 | $ 65,000 |
| College Station-Bryan, TX | 11 | $ 1,149,000 | $ 104,454 | $ 120,000 |
| Columbia, SC | 11 | $ 1,313,000 | $ 119,363 | $ 42,000 |
| Eau Claire, WI | 11 | $ 1,446,000 | $ 131,454 | $ 60,000 |
| Edison, NJ | 11 | $ 3,259,000 | $ 296,272 | $ 128,000 |
| Olympia, WA | 11 | $ 2,562,000 | $ 232,909 | $ 68,000 |
| Springfield, MO | 11 | $ 1,859,000 | $ 169,000 | $ 75,000 |
| Tyler, TX | 11 | $ 1,422,000 | $ 129,272 | $ 196,000 |
| Cambridge-Newton-Framingham, MA | 10 | $ 2,829,000 | $ 282,900 | $ 92,000 |
| Fargo, ND-MN | 10 | $ 1,394,000 | $ 139,400 | $ 61,000 |
| Hanford-Corcoran, CA | 10 | $ 2,420,000 | $ 242,000 | $ 112,000 |
| Janesville, WI | 10 | $ 1,263,000 | $ 126,300 | $ 59,000 |
| Montgomery, AL | 10 | $ 2,803,000 | $ 280,300 | $ 82,000 |
| New Orleans-Metairie-Kenner, LA | 10 | $ 1,443,000 | $ 144,300 | $ 61,000 |
| Norwich-New London, CT | 10 | $ 2,232,000 | $ 223,200 | $ 45,000 |
| Ocala, FL | 10 | $ 1,787,000 | $ 178,700 | $ 61,000 |
| Reading, PA | 10 | $ 1,117,000 | $ 111,700 | $ 98,000 |
| Duluth, MN-WI | 9 | $ 1,103,000 | $ 122,555 | $ 81,222 |
| Fort Walton Beach-Crestview-Destin, FL | 9 | $ 4,297,000 | $ 477,444 | $ 218,000 |
| Lancaster, PA | 9 | $ 1,165,000 | $ 129,444 | $ 54,000 |
| Madera, CA | 9 | $ 2,079,000 | $ 231,000 | $ 60,000 |
| San Luis Obispo-Paso Robles, CA | 9 | $ 2,907,000 | $ 323,000 | $ 87,000 |
| Akron, OH | 8 | $ 1,052,000 | $ 131,500 | $ 74,000 |
| Asheville, NC | 8 | $ 2,647,000 | $ 330,875 | $ 104,000 |
| Barnstable Town, MA | 8 | $ 1,964,000 | $ 245,500 | $ 126,000 |
| Carson City, NV | 8 | $ 2,137,000 | $ 267,125 | $ 130,000 |
| Columbia, MO | 8 | $ 958,000 | $ 119,750 | $ 62,000 |
| Fond Du Lac, WI | 8 | $ 898,000 | $ 112,250 | $ 69,000 |
| Panama City-Lynn Haven, FL | 8 | $ 2,465,000 | $ 308,125 | $ 129,000 |
| Punta Gorda, FL | 8 | $ 1,407,000 | $ 175,875 | $ 188,000 |
| Salisbury, MD | 8 | $ 1,367,000 | $ 170,875 | $ 70,000 |
| St. George, UT | 8 | $ 2,015,000 | $ 251,875 | $ 84,000 |
| Grand Rapids-Wyoming, MI | 7 | $ 834,000 | $ 119,142 | $ 64,000 |
| Kennewick-Richland-Pasco, WA | 7 | $ 1,047,000 | $ 149,571 | $ 88,000 |
| New Haven-Milford, CT | 7 | $ 1,653,000 | $ 236,142 | $ 94,000 |
| Peabody, MA | 7 | $ 1,251,000 | $ 178,714 | $ 266,000 |
| Bremerton-Silverdale, WA | 6 | $ 1,286,000 | $ 214,333 | $ 54,000 |
| Cleveland-Elyria-Mentor, OH | 6 | $ 506,000 | $ 84,333 | $ 42,000 |
| Coeur D'Alene, ID | 6 | $ 1,125,000 | $ 187,500 | $ 92,000 |
| Gainesville, GA | 6 | $ 860,000 | $ 143,333 | $ 89,000 |
| Greensboro-High Point, NC | 6 | $ 712,000 | $ 118,666 | $ 56,000 |
| Indianapolis-Carmel, IN | 6 | $ 619,000 | $ 103,166 | $ 69,000 |
| Kokomo, IN | 6 | $ 946,000 | $ 157,666 | $ 41,000 |
| Lewiston, ID-WA | 6 | $ 858,000 | $ 143,000 | $ 58,833 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 6 | $ 1,247,000 | $ 207,833 | $ 105,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 1,284,000 | $ 214,000 | $ 123,000 |
| Pittsburgh, PA | 6 | $ 1,236,000 | $ 206,000 | $ 75,000 |
| Sebastian-Vero Beach, FL | 6 | $ 1,486,000 | $ 247,666 | $ 82,000 |
| Wichita, KS | 6 | $ 608,000 | $ 101,333 | $ 65,000 |
| Wilmington, DE-MD-NJ | 6 | $ 1,267,000 | $ 211,166 | $ 68,833 |
| Worcester, MA | 6 | $ 1,572,000 | $ 262,000 | $ 72,000 |
| Brownsville-Harlingen, TX | 5 | $ 488,000 | $ 97,600 | $ 73,000 |
| Cedar Rapids, IA | 5 | $ 748,000 | $ 149,600 | $ 80,000 |
| Charleston-North Charleston, SC | 5 | $ 649,000 | $ 129,800 | $ 59,000 |
| Durham, NC | 5 | $ 643,000 | $ 128,600 | $ 69,000 |
| Greenville-Mauldin-Easley, SC | 5 | $ 770,000 | $ 154,000 | $ 39,000 |
| Jackson, MI | 5 | $ 936,000 | $ 187,200 | $ 94,000 |
| Lebanon, PA | 5 | $ 496,000 | $ 99,200 | $ 44,000 |
| Logan, UT-ID | 5 | $ 1,034,000 | $ 206,800 | $ 55,000 |
| Monroe, LA | 5 | $ 588,000 | $ 117,600 | $ 95,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 1,148,000 | $ 229,600 | $ 91,000 |
| Napa, CA | 5 | $ 2,320,000 | $ 464,000 | $ 116,000 |
| Naples-Marco Island, FL | 5 | $ 1,275,000 | $ 255,000 | $ 123,000 |
| New York-White Plains-Wayne, NY-NJ | 5 | $ 2,026,000 | $ 405,200 | $ 159,000 |
| Providence-New Bedford-Fall River, RI-MA | 5 | $ 1,350,000 | $ 270,000 | $ 85,000 |
| Raleigh-Cary, NC | 5 | $ 810,000 | $ 162,000 | $ 120,000 |
| Spokane, WA | 5 | $ 868,000 | $ 173,600 | $ 63,000 |
| Springfield, MA | 5 | $ 775,000 | $ 155,000 | $ 70,000 |
| St. Joseph, MO-KS | 5 | $ 773,000 | $ 154,600 | $ 60,000 |
| Yuma, AZ | 5 | $ 792,000 | $ 158,400 | $ 59,000 |
| Ann Arbor, MI | 4 | $ 918,000 | $ 229,500 | $ 45,000 |
| Atlantic City, NJ | 4 | $ 540,000 | $ 135,000 | $ 87,000 |
| Auburn-Opelika, AL | 4 | $ 510,000 | $ 127,500 | $ 47,000 |
| Beaumont-Port Arthur, TX | 4 | $ 582,000 | $ 145,500 | $ 94,000 |
| Bellingham, WA | 4 | $ 1,128,000 | $ 282,000 | $ 91,000 |
| Corvallis, OR | 4 | $ 954,000 | $ 238,500 | $ 81,000 |
| Elkhart-Goshen, IN | 4 | $ 331,000 | $ 82,750 | $ 48,000 |
| Fayetteville, NC | 4 | $ 524,000 | $ 131,000 | $ 58,000 |
| Flagstaff, AZ | 4 | $ 1,380,000 | $ 345,000 | $ 120,000 |
| Gainesville, FL | 4 | $ 709,000 | $ 177,250 | $ 92,000 |
| Grand Junction, CO | 4 | $ 622,000 | $ 155,500 | $ 51,000 |
| Iowa City, IA | 4 | $ 483,000 | $ 120,750 | $ 67,000 |
| Joplin, MO | 4 | $ 291,000 | $ 72,750 | $ 41,000 |
| Knoxville, TN | 4 | $ 633,000 | $ 158,250 | $ 46,000 |
| Lafayette, LA | 4 | $ 650,000 | $ 162,500 | $ 76,000 |
| Las Cruces, NM | 4 | $ 642,000 | $ 160,500 | $ 45,000 |
| Longview, TX | 4 | $ 455,000 | $ 113,750 | $ 73,000 |
| Louisville-Jefferson County, KY-IN | 4 | $ 897,000 | $ 224,250 | $ 72,000 |
| Macon, GA | 4 | $ 812,000 | $ 203,000 | $ 60,000 |
| Mobile, AL | 4 | $ 770,000 | $ 192,500 | $ 120,000 |
| Saginaw-Saginaw Township North, MI | 4 | $ 365,000 | $ 91,250 | $ 23,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 1,300,000 | $ 325,000 | $ 41,000 |
| Tallahassee, FL | 4 | $ 882,000 | $ 220,500 | $ 181,000 |
| Winchester, VA-WV | 4 | $ 967,000 | $ 241,750 | $ 77,000 |
| Yakima, WA | 4 | $ 737,000 | $ 184,250 | $ 86,000 |
| Athens-Clarke County, GA | 3 | $ 430,000 | $ 143,333 | $ 150,000 |
| Chattanooga, TN-GA | 3 | $ 284,000 | $ 94,666 | $ 61,666 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 399,000 | $ 133,000 | $ 87,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 371,000 | $ 123,666 | $ 41,000 |
| Jefferson City, MO | 3 | $ 411,000 | $ 137,000 | $ 98,000 |
| Longview, WA | 3 | $ 787,000 | $ 262,333 | $ 70,000 |
| Niles-Benton Harbor, MI | 3 | $ 170,000 | $ 56,666 | $ 40,000 |
| Savannah, GA | 3 | $ 555,000 | $ 185,000 | $ 64,000 |
| Sioux City, IA-NE-SD | 3 | $ 352,000 | $ 117,333 | $ 66,333 |
| Utica-Rome, NY | 3 | $ 246,000 | $ 82,000 | $ 199,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 506,000 | $ 168,666 | $ 50,000 |
| Winston-Salem, NC | 3 | $ 413,000 | $ 137,666 | $ 41,000 |
| Abilene, TX | 2 | $ 91,000 | $ 45,500 | $ 33,000 |
| Bangor, ME | 2 | $ 273,000 | $ 136,500 | $ 45,000 |
| Bloomington-Normal, IL | 2 | $ 396,000 | $ 198,000 | $ 36,000 |
| Charlottesville, VA | 2 | $ 612,000 | $ 306,000 | $ 236,000 |
| Decatur, IL | 2 | $ 170,000 | $ 85,000 | $ 43,000 |
| Flint, MI | 2 | $ 141,000 | $ 70,500 | $ 110,000 |
| Harrisonburg, VA | 2 | $ 213,000 | $ 106,500 | $ 84,000 |
| Holland-Grand Haven, MI | 2 | $ 386,000 | $ 193,000 | $ 77,000 |
| Huntsville, AL | 2 | $ 187,000 | $ 93,500 | $ 61,000 |
| Jacksonville, NC | 2 | $ 188,000 | $ 94,000 | $ 76,000 |
| Kalamazoo-Portage, MI | 2 | $ 223,000 | $ 111,500 | $ 80,000 |
| Lafayette, IN | 2 | $ 366,000 | $ 183,000 | $ 77,000 |
| Lansing-East Lansing, MI | 2 | $ 246,000 | $ 123,000 | $ 51,000 |
| Lawrence, KS | 2 | $ 435,000 | $ 217,500 | $ 93,000 |
| Michigan City-La Porte, IN | 2 | $ 297,000 | $ 148,500 | $ 97,000 |
| Palm Coast, FL | 2 | $ 564,000 | $ 282,000 | $ 64,000 |
| Roanoke, VA | 2 | $ 189,000 | $ 94,500 | $ 97,000 |
| Rochester, MN | 2 | $ 565,000 | $ 282,500 | $ 135,000 |
| Rome, GA | 2 | $ 226,000 | $ 113,000 | $ 204,000 |
| San Angelo, TX | 2 | $ 158,000 | $ 79,000 | $ 54,000 |
| Spartanburg, SC | 2 | $ 196,000 | $ 98,000 | $ 121,000 |
| Sumter, SC | 2 | $ 414,000 | $ 207,000 | $ 203,000 |
| Topeka, KS | 2 | $ 75,000 | $ 37,500 | $ 53,000 |
| Trenton-Ewing, NJ | 2 | $ 483,000 | $ 241,500 | $ 84,000 |
| Tulsa, OK | 2 | $ 213,000 | $ 106,500 | $ 68,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 169,000 | $ 84,500 | $ 84,000 |
| Waco, TX | 2 | $ 366,000 | $ 183,000 | $ 288,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 112,000 | $ 56,000 | $ 135,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 414,000 | $ 414,000 | $ 124,000 |
| Amarillo, TX | 1 | $ 113,000 | $ 113,000 | $ 33,000 |
| Ames, IA | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Anderson, SC | 1 | $ 141,000 | $ 141,000 | $ 46,000 |
| Battle Creek, MI | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Bloomington, IN | 1 | $ 199,000 | $ 199,000 | $ 102,000 |
| Canton-Massillon, OH | 1 | $ 76,000 | $ 76,000 | $ 68,000 |
| Casper, WY | 1 | $ 208,000 | $ 208,000 | $ 99,000 |
| Champaign-Urbana, IL | 1 | $ 132,000 | $ 132,000 | $ 88,000 |
| Charleston, WV | 1 | $ 192,000 | $ 192,000 | $ 90,000 |
| Columbus, IN | 1 | $ 240,000 | $ 240,000 | $ 86,000 |
| Cumberland, MD-WV | 1 | $ 77,000 | $ 77,000 | $ 49,000 |
| Dalton, GA | 1 | $ 95,000 | $ 95,000 | $ 30,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 99,000 | $ 99,000 | $ 133,000 |
| Evansville, IN-KY | 1 | $ 164,000 | $ 164,000 | $ 68,000 |
| Florence, SC | 1 | $ 132,000 | $ 132,000 | $ 32,000 |
| Grand Forks, ND-MN | 1 | $ 119,000 | $ 119,000 | $ 62,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 299,000 | $ 299,000 | $ 109,000 |
| Hot Springs, AR | 1 | $ 131,000 | $ 131,000 | $ 94,000 |
| Jonesboro, AR | 1 | $ 132,000 | $ 132,000 | $ 41,000 |
| Kankakee-Bradley, IL | 1 | $ 325,000 | $ 325,000 | $ 178,000 |
| La Crosse, WI-MN | 1 | $ 126,000 | $ 126,000 | $ 61,000 |
| Laredo, TX | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Lawton, OK | 1 | $ 34,000 | $ 34,000 | $ 71,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 82,000 | $ 82,000 | $ 39,000 |
| Midland, TX | 1 | $ 150,000 | $ 150,000 | $ 85,000 |
| Morristown, TN | 1 | $ 357,000 | $ 357,000 | $ 50,000 |
| Ocean City, NJ | 1 | $ 319,000 | $ 319,000 | $ 130,000 |
| Odessa, TX | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Pittsfield, MA | 1 | $ 417,000 | $ 417,000 | $ 122,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 304,000 | $ 304,000 | $ 165,000 |
| Santa Fe, NM | 1 | $ 156,000 | $ 156,000 | $ 23,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 81,000 | $ 81,000 | $ 27,000 |
| Sherman-Denison, TX | 1 | $ 304,000 | $ 304,000 | $ 144,000 |
| Sioux Falls, SD | 1 | $ 80,000 | $ 80,000 | $ 31,000 |
| Springfield, IL | 1 | $ 178,000 | $ 178,000 | $ 131,000 |
| Victoria, TX | 1 | $ 174,000 | $ 174,000 | $ 128,000 |
| Warner Robins, GA | 1 | $ 89,000 | $ 89,000 | $ 24,000 |
| Wheeling, WV-OH | 1 | $ 64,000 | $ 64,000 | $ 86,000 |
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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About