American Sterling Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
American Sterling Bank 2007 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 | 16,531 |
| Total Mortgage Loan Application Amount | $3,662,676,000 |
| Average Mortgage Loan Application Amount | $205,000 |
| Highest Mortgage Loan Application Amount | $2,250,000 |
| Average Applicant Income | $106,000 |
| Highest Applicant Income | $9,495,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | $ 276,000 | $ 113,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 1,036 | $ 239,762,000 | $ 231,000 | $ 99,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 1,005 | $ 259,822,000 | $ 258,000 | $ 117,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 808 | $ 192,263,000 | $ 237,000 | $ 101,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 751 | $ 251,122,000 | $ 334,000 | $ 119,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 704 | $ 112,906,000 | $ 160,000 | $ 76,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 623 | $ 117,308,000 | $ 188,000 | $ 122,000 |
| DENVER-AURORA, CO | 510 | $ 92,222,000 | $ 180,000 | $ 80,000 |
| LAS VEGAS-PARADISE, NV | 510 | $ 123,522,000 | $ 242,000 | $ 113,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 509 | $ 69,441,000 | $ 136,000 | $ 90,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 448 | $ 136,267,000 | $ 304,000 | $ 117,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 361 | $ 129,275,000 | $ 358,000 | $ 137,000 |
| ST. LOUIS, MO-IL | 354 | $ 53,100,000 | $ 130,500 | $ 68,500 |
| DALLAS-PLANO-IRVING, TX | 347 | $ 52,624,000 | $ 151,000 | $ 79,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 317 | $ 69,185,000 | $ 253,500 | $ 85,500 |
| GREEN BAY, WI | 253 | $ 32,676,000 | $ 129,000 | $ 72,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 237 | $ 69,030,000 | $ 288,000 | $ 98,500 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 227 | $ 54,721,000 | $ 237,500 | $ 104,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 176 | $ 60,209,000 | $ 342,000 | $ 133,000 |
| STOCKTON, CA | 164 | $ 44,341,000 | $ 270,000 | $ 119,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 161 | $ 44,866,000 | $ 278,000 | $ 98,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 160 | $ 39,515,000 | $ 217,500 | $ 100,500 |
| BALTIMORE-TOWSON, MD | 151 | $ 30,800,000 | $ 203,000 | $ 73,000 |
| SALT LAKE CITY, UT | 134 | $ 28,567,000 | $ 213,000 | $ 121,000 |
| KANSAS CITY, MO-KS | 119 | $ 17,957,000 | $ 161,500 | $ 78,000 |
| BOISE CITY-NAMPA, ID | 110 | $ 18,935,000 | $ 172,000 | $ 82,000 |
| FORT WORTH-ARLINGTON, TX | 105 | $ 14,978,000 | $ 142,000 | $ 93,000 |
| FRESNO, CA | 97 | $ 20,676,000 | $ 213,000 | $ 110,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 92 | $ 23,332,000 | $ 253,000 | $ 88,000 |
| ORLANDO-KISSIMMEE, FL | 91 | $ 20,638,000 | $ 226,000 | $ 92,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 85 | $ 20,535,000 | $ 241,000 | $ 127,000 |
| BAKERSFIELD, CA | 81 | $ 16,484,000 | $ 203,000 | $ 86,000 |
| MCALLEN-EDINBURG-MISSION, TX | 77 | $ 9,440,000 | $ 122,000 | $ 58,000 |
| OGDEN-CLEARFIELD, UT | 77 | $ 15,272,000 | $ 198,000 | $ 135,000 |
| RACINE, WI | 77 | $ 11,995,000 | $ 155,000 | $ 81,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 73 | $ 13,390,000 | $ 183,000 | $ 92,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 72 | $ 10,280,000 | $ 142,000 | $ 76,000 |
| MODESTO, CA | 69 | $ 18,087,000 | $ 262,000 | $ 101,000 |
| APPLETON, WI | 67 | $ 8,244,000 | $ 123,000 | $ 80,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 63 | $ 16,509,000 | $ 262,000 | $ 104,000 |
| PRESCOTT, AZ | 60 | $ 11,995,000 | $ 199,000 | $ 82,000 |
| VALLEJO-FAIRFIELD, CA | 58 | $ 19,327,000 | $ 333,000 | $ 128,000 |
| CORPUS CHRISTI, TX | 56 | $ 7,876,000 | $ 140,000 | $ 73,000 |
| PROVO-OREM, UT | 55 | $ 12,554,000 | $ 228,000 | $ 123,000 |
| POCATELLO, ID | 53 | $ 6,544,000 | $ 123,000 | $ 65,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 53 | $ 24,344,000 | $ 459,000 | $ 152,000 |
| SALEM, OR | 49 | $ 9,642,000 | $ 196,000 | $ 66,000 |
| TUCSON, AZ | 49 | $ 8,726,000 | $ 178,000 | $ 69,000 |
| OSHKOSH-NEENAH, WI | 47 | $ 5,286,000 | $ 112,000 | $ 58,000 |
| YUBA CITY, CA | 46 | $ 10,805,000 | $ 234,000 | $ 109,000 |
| MADISON, WI | 45 | $ 8,157,000 | $ 181,000 | $ 81,000 |
| TACOMA, WA | 45 | $ 10,732,000 | $ 238,000 | $ 132,000 |
| CHICO, CA | 44 | $ 8,492,000 | $ 193,000 | $ 75,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 44 | $ 15,899,000 | $ 361,000 | $ 221,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 44 | $ 3,527,000 | $ 77,500 | $ 41,000 |
| PHILADELPHIA, PA | 42 | $ 5,966,000 | $ 142,000 | $ 112,000 |
| COLORADO SPRINGS, CO | 41 | $ 7,563,000 | $ 184,000 | $ 84,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 40 | $ 14,129,000 | $ 353,000 | $ 87,000 |
| SAN ANTONIO, TX | 39 | $ 4,644,000 | $ 119,000 | $ 72,000 |
| EUGENE-SPRINGFIELD, OR | 37 | $ 8,317,000 | $ 224,000 | $ 74,000 |
| BEND, OR | 36 | $ 8,771,000 | $ 243,000 | $ 96,000 |
| GREELEY, CO | 36 | $ 6,105,000 | $ 169,000 | $ 86,000 |
| LAKE HAVASU CITY-KINGMAN, AZ | 35 | $ 6,878,000 | $ 196,000 | $ 124,000 |
| ROCKFORD, IL | 35 | $ 4,238,000 | $ 121,000 | $ 57,000 |
| ALBUQUERQUE, NM | 34 | $ 5,760,000 | $ 169,000 | $ 55,000 |
| EL CENTRO, CA | 34 | $ 6,593,000 | $ 193,000 | $ 76,000 |
| BATON ROUGE, LA | 33 | $ 5,193,000 | $ 157,000 | $ 96,000 |
| AUSTIN-ROUND ROCK, TX | 32 | $ 7,553,000 | $ 236,000 | $ 138,000 |
| RICHMOND, VA | 32 | $ 7,233,000 | $ 226,000 | $ 90,000 |
| DES MOINES-WEST DES MOINES, IA | 31 | $ 5,201,000 | $ 167,000 | $ 82,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 31 | $ 7,039,000 | $ 227,000 | $ 96,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 31 | $ 5,265,000 | $ 169,000 | $ 100,000 |
| BETHESDA-GAITHERSBURG-FREDERICK, MD | 30 | $ 9,411,000 | $ 313,000 | $ 89,000 |
| GARY, IN | 30 | $ 3,739,000 | $ 124,000 | $ 57,000 |
| HARRISBURG-CARLISLE, PA | 29 | $ 4,133,000 | $ 142,000 | $ 67,000 |
| JACKSONVILLE, FL | 29 | $ 6,001,000 | $ 206,000 | $ 97,000 |
| OKLAHOMA CITY, OK | 28 | $ 3,340,000 | $ 119,000 | $ 117,000 |
| PORT ST. LUCIE, FL | 27 | $ 5,301,000 | $ 196,000 | $ 134,000 |
| WAUSAU, WI | 27 | $ 3,204,000 | $ 118,000 | $ 78,000 |
| FORT COLLINS-LOVELAND, CO | 25 | $ 5,463,000 | $ 218,000 | $ 93,000 |
| MERCED, CA | 25 | $ 6,630,000 | $ 265,000 | $ 85,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 25 | $ 4,907,000 | $ 196,000 | $ 76,000 |
| BIRMINGHAM-HOOVER, AL | 24 | $ 4,147,000 | $ 172,000 | $ 78,000 |
| COLUMBUS, GA-AL | 24 | $ 2,555,000 | $ 97,500 | $ 48,500 |
| SARASOTA-BRADENTON-VENICE, FL | 24 | $ 5,907,000 | $ 246,000 | $ 165,000 |
| EL PASO, TX | 23 | $ 3,169,000 | $ 137,000 | $ 66,000 |
| RENO-SPARKS, NV | 23 | $ 6,253,000 | $ 271,000 | $ 83,000 |
| DECATUR, AL | 22 | $ 2,046,000 | $ 93,000 | $ 44,000 |
| MEMPHIS, TN-MS-AR | 21 | $ 2,311,000 | $ 110,000 | $ 89,000 |
| VISALIA-PORTERVILLE, CA | 21 | $ 4,242,000 | $ 202,000 | $ 75,000 |
| BOSTON-QUINCY, MA | 20 | $ 6,709,000 | $ 335,000 | $ 119,000 |
| HONOLULU, HI | 20 | $ 6,604,000 | $ 330,000 | $ 105,000 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 20 | $ 1,879,000 | $ 93,000 | $ 52,000 |
| SANTA ROSA-PETALUMA, CA | 20 | $ 5,552,000 | $ 277,000 | $ 215,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 19 | $ 3,646,000 | $ 253,500 | $ 55,500 |
| COLUMBUS, OH | 19 | $ 2,718,000 | $ 143,000 | $ 49,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 19 | $ 3,407,000 | $ 179,000 | $ 88,000 |
| BOULDER, CO | 17 | $ 4,282,000 | $ 251,000 | $ 173,000 |
| FARMINGTON, NM | 16 | $ 3,334,000 | $ 208,000 | $ 99,000 |
| NEWARK-UNION, NJ-PA | 16 | $ 5,038,000 | $ 274,000 | $ 83,000 |
| CAPE CORAL-FORT MYERS, FL | 15 | $ 3,446,000 | $ 229,000 | $ 95,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 15 | $ 2,679,000 | $ 178,000 | $ 49,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 15 | $ 4,239,000 | $ 282,000 | $ 85,000 |
| MEDFORD, OR | 15 | $ 3,125,000 | $ 208,000 | $ 62,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 15 | $ 2,969,000 | $ 197,000 | $ 95,000 |
| REDDING, CA | 15 | $ 2,850,000 | $ 190,000 | $ 63,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 15 | $ 4,789,000 | $ 319,000 | $ 118,000 |
| ST. CLOUD, MN | 15 | $ 2,261,000 | $ 150,000 | $ 102,000 |
| YORK-HANOVER, PA | 15 | $ 2,030,000 | $ 135,000 | $ 86,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 14 | $ 1,663,000 | $ 129,500 | $ 55,000 |
| LAKELAND, FL | 14 | $ 2,341,000 | $ 167,000 | $ 80,000 |
| PUEBLO, CO | 14 | $ 2,146,000 | $ 153,000 | $ 49,000 |
| IDAHO FALLS, ID | 13 | $ 1,734,000 | $ 133,000 | $ 51,000 |
| SALINAS, CA | 13 | $ 4,889,000 | $ 376,000 | $ 105,000 |
| SHEBOYGAN, WI | 12 | $ 1,731,000 | $ 144,000 | $ 60,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 11 | $ 4,177,000 | $ 379,000 | $ 125,000 |
| CAMDEN, NJ | 11 | $ 1,758,000 | $ 159,000 | $ 65,000 |
| COLLEGE STATION-BRYAN, TX | 11 | $ 1,149,000 | $ 104,000 | $ 120,000 |
| COLUMBIA, SC | 11 | $ 1,313,000 | $ 119,000 | $ 42,000 |
| EAU CLAIRE, WI | 11 | $ 1,446,000 | $ 131,000 | $ 60,000 |
| EDISON, NJ | 11 | $ 3,259,000 | $ 296,000 | $ 128,000 |
| OLYMPIA, WA | 11 | $ 2,562,000 | $ 232,000 | $ 68,000 |
| SPRINGFIELD, MO | 11 | $ 1,859,000 | $ 169,000 | $ 75,000 |
| TYLER, TX | 11 | $ 1,422,000 | $ 129,000 | $ 196,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 10 | $ 2,829,000 | $ 282,000 | $ 92,000 |
| FARGO, ND-MN | 10 | $ 1,394,000 | $ 139,000 | $ 61,000 |
| HANFORD-CORCORAN, CA | 10 | $ 2,420,000 | $ 242,000 | $ 112,000 |
| JANESVILLE, WI | 10 | $ 1,263,000 | $ 126,000 | $ 59,000 |
| MONTGOMERY, AL | 10 | $ 2,803,000 | $ 280,000 | $ 82,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 10 | $ 1,443,000 | $ 144,000 | $ 61,000 |
| NORWICH-NEW LONDON, CT | 10 | $ 2,232,000 | $ 223,000 | $ 45,000 |
| OCALA, FL | 10 | $ 1,787,000 | $ 178,000 | $ 61,000 |
| READING, PA | 10 | $ 1,117,000 | $ 111,000 | $ 98,000 |
| DULUTH, MN-WI | 9 | $ 1,103,000 | $ 129,500 | $ 114,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 9 | $ 4,297,000 | $ 477,000 | $ 218,000 |
| LANCASTER, PA | 9 | $ 1,165,000 | $ 129,000 | $ 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 | $ 131,000 | $ 74,000 |
| ASHEVILLE, NC | 8 | $ 2,647,000 | $ 330,000 | $ 104,000 |
| BARNSTABLE TOWN, MA | 8 | $ 1,964,000 | $ 245,000 | $ 126,000 |
| CARSON CITY, NV | 8 | $ 2,137,000 | $ 267,000 | $ 130,000 |
| COLUMBIA, MO | 8 | $ 958,000 | $ 119,000 | $ 62,000 |
| FOND DU LAC, WI | 8 | $ 898,000 | $ 112,000 | $ 69,000 |
| PANAMA CITY-LYNN HAVEN, FL | 8 | $ 2,465,000 | $ 308,000 | $ 129,000 |
| PUNTA GORDA, FL | 8 | $ 1,407,000 | $ 175,000 | $ 188,000 |
| SALISBURY, MD | 8 | $ 1,367,000 | $ 170,000 | $ 70,000 |
| ST. GEORGE, UT | 8 | $ 2,015,000 | $ 251,000 | $ 84,000 |
| GRAND RAPIDS-WYOMING, MI | 7 | $ 834,000 | $ 119,000 | $ 64,000 |
| KENNEWICK-RICHLAND-PASCO, WA | 7 | $ 1,047,000 | $ 149,000 | $ 88,000 |
| NEW HAVEN-MILFORD, CT | 7 | $ 1,653,000 | $ 236,000 | $ 94,000 |
| PEABODY, MA | 7 | $ 1,251,000 | $ 178,000 | $ 266,000 |
| BREMERTON-SILVERDALE, WA | 6 | $ 1,286,000 | $ 214,000 | $ 54,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 6 | $ 506,000 | $ 84,000 | $ 42,000 |
| COEUR D'ALENE, ID | 6 | $ 1,125,000 | $ 187,000 | $ 92,000 |
| GAINESVILLE, GA | 6 | $ 860,000 | $ 143,000 | $ 89,000 |
| GREENSBORO-HIGH POINT, NC | 6 | $ 712,000 | $ 118,000 | $ 56,000 |
| INDIANAPOLIS-CARMEL, IN | 6 | $ 619,000 | $ 103,000 | $ 69,000 |
| KOKOMO, IN | 6 | $ 946,000 | $ 157,000 | $ 41,000 |
| LEWISTON, ID-WA | 6 | $ 858,000 | $ 135,500 | $ 54,500 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 6 | $ 1,247,000 | $ 207,000 | $ 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 | $ 247,000 | $ 82,000 |
| WICHITA, KS | 6 | $ 608,000 | $ 101,000 | $ 65,000 |
| WILMINGTON, DE-MD-NJ | 6 | $ 1,267,000 | $ 236,000 | $ 77,000 |
| WORCESTER, MA | 6 | $ 1,572,000 | $ 262,000 | $ 72,000 |
| BROWNSVILLE-HARLINGEN, TX | 5 | $ 488,000 | $ 97,000 | $ 73,000 |
| CEDAR RAPIDS, IA | 5 | $ 748,000 | $ 149,000 | $ 80,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 5 | $ 649,000 | $ 129,000 | $ 59,000 |
| DURHAM, NC | 5 | $ 643,000 | $ 128,000 | $ 69,000 |
| GREENVILLE-MAULDIN-EASLEY, SC | 5 | $ 770,000 | $ 154,000 | $ 39,000 |
| JACKSON, MI | 5 | $ 936,000 | $ 187,000 | $ 94,000 |
| LEBANON, PA | 5 | $ 496,000 | $ 99,000 | $ 44,000 |
| LOGAN, UT-ID | 5 | $ 1,034,000 | $ 206,000 | $ 55,000 |
| MONROE, LA | 5 | $ 588,000 | $ 117,000 | $ 95,000 |
| MOUNT VERNON-ANACORTES, WA | 5 | $ 1,148,000 | $ 229,000 | $ 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 | $ 405,000 | $ 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 | $ 173,000 | $ 63,000 |
| SPRINGFIELD, MA | 5 | $ 775,000 | $ 155,000 | $ 70,000 |
| ST. JOSEPH, MO-KS | 5 | $ 773,000 | $ 154,000 | $ 60,000 |
| YUMA, AZ | 5 | $ 792,000 | $ 158,000 | $ 59,000 |
| ANN ARBOR, MI | 4 | $ 918,000 | $ 229,000 | $ 45,000 |
| ATLANTIC CITY, NJ | 4 | $ 540,000 | $ 135,000 | $ 87,000 |
| AUBURN-OPELIKA, AL | 4 | $ 510,000 | $ 127,000 | $ 47,000 |
| BEAUMONT-PORT ARTHUR, TX | 4 | $ 582,000 | $ 145,000 | $ 94,000 |
| BELLINGHAM, WA | 4 | $ 1,128,000 | $ 282,000 | $ 91,000 |
| CORVALLIS, OR | 4 | $ 954,000 | $ 238,000 | $ 81,000 |
| ELKHART-GOSHEN, IN | 4 | $ 331,000 | $ 82,000 | $ 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 | $ 177,000 | $ 92,000 |
| GRAND JUNCTION, CO | 4 | $ 622,000 | $ 155,000 | $ 51,000 |
| IOWA CITY, IA | 4 | $ 483,000 | $ 120,000 | $ 67,000 |
| JOPLIN, MO | 4 | $ 291,000 | $ 72,000 | $ 41,000 |
| KNOXVILLE, TN | 4 | $ 633,000 | $ 158,000 | $ 46,000 |
| LAFAYETTE, LA | 4 | $ 650,000 | $ 162,000 | $ 76,000 |
| LAS CRUCES, NM | 4 | $ 642,000 | $ 160,000 | $ 45,000 |
| LONGVIEW, TX | 4 | $ 455,000 | $ 113,000 | $ 73,000 |
| LOUISVILLE-JEFFERSON COUNTY, KY-IN | 4 | $ 897,000 | $ 224,000 | $ 72,000 |
| MACON, GA | 4 | $ 812,000 | $ 203,000 | $ 60,000 |
| MOBILE, AL | 4 | $ 770,000 | $ 192,000 | $ 120,000 |
| SAGINAW-SAGINAW TOWNSHIP NORTH, MI | 4 | $ 365,000 | $ 91,000 | $ 23,000 |
| SANTA CRUZ-WATSONVILLE, CA | 4 | $ 1,300,000 | $ 325,000 | $ 41,000 |
| TALLAHASSEE, FL | 4 | $ 882,000 | $ 220,000 | $ 181,000 |
| WINCHESTER, VA-WV | 4 | $ 967,000 | $ 241,000 | $ 77,000 |
| YAKIMA, WA | 4 | $ 737,000 | $ 184,000 | $ 86,000 |
| ATHENS-CLARKE COUNTY, GA | 3 | $ 430,000 | $ 143,000 | $ 150,000 |
| CHATTANOOGA, TN-GA | 3 | $ 284,000 | $ 105,000 | $ 55,500 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 3 | $ 399,000 | $ 136,000 | $ 89,000 |
| HICKORY-LENOIR-MORGANTON, NC | 3 | $ 371,000 | $ 123,000 | $ 41,000 |
| JEFFERSON CITY, MO | 3 | $ 411,000 | $ 137,000 | $ 98,000 |
| LONGVIEW, WA | 3 | $ 787,000 | $ 262,000 | $ 70,000 |
| NILES-BENTON HARBOR, MI | 3 | $ 170,000 | $ 56,000 | $ 40,000 |
| SAVANNAH, GA | 3 | $ 555,000 | $ 185,000 | $ 64,000 |
| SIOUX CITY, IA-NE-SD | 3 | $ 352,000 | $ 105,000 | $ 58,500 |
| UTICA-ROME, NY | 3 | $ 246,000 | $ 82,000 | $ 199,000 |
| WATERLOO-CEDAR FALLS, IA | 3 | $ 506,000 | $ 168,000 | $ 50,000 |
| WINSTON-SALEM, NC | 3 | $ 413,000 | $ 137,000 | $ 41,000 |
| ABILENE, TX | 2 | $ 91,000 | $ 45,000 | $ 33,000 |
| BANGOR, ME | 2 | $ 273,000 | $ 136,000 | $ 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 | $ 70,000 | $ 110,000 |
| HARRISONBURG, VA | 2 | $ 213,000 | $ 106,000 | $ 84,000 |
| HOLLAND-GRAND HAVEN, MI | 2 | $ 386,000 | $ 193,000 | $ 77,000 |
| HUNTSVILLE, AL | 2 | $ 187,000 | $ 93,000 | $ 61,000 |
| JACKSONVILLE, NC | 2 | $ 188,000 | $ 94,000 | $ 76,000 |
| KALAMAZOO-PORTAGE, MI | 2 | $ 223,000 | $ 111,000 | $ 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 | $ 217,000 | $ 93,000 |
| MICHIGAN CITY-LA PORTE, IN | 2 | $ 297,000 | $ 148,000 | $ 97,000 |
| PALM COAST, FL | 2 | $ 564,000 | $ 282,000 | $ 64,000 |
| ROANOKE, VA | 2 | $ 189,000 | $ 94,000 | $ 97,000 |
| ROCHESTER, MN | 2 | $ 565,000 | $ 282,000 | $ 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 | $ 37,000 | $ 53,000 |
| TRENTON-EWING, NJ | 2 | $ 483,000 | $ 241,000 | $ 84,000 |
| TULSA, OK | 2 | $ 213,000 | $ 106,000 | $ 68,000 |
| VINELAND-MILLVILLE-BRIDGETON, NJ | 2 | $ 169,000 | $ 84,000 | $ 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.