American Sterling Bank Mortgage Lending & HMDA Data, 2008
In 2008, American Sterling Bank of Sugar Creek, MO reported 17,441 mortgage applications totaling $3.8 billion, up 6% from 2007. The average application was for $216,556, and applicants reported an average income of $71,691. 43% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (1,024), Portland-Vancouver-Beaverton, OR-WA (832) and Chicago-Naperville-Joliet, IL (789) (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 | 17,441 |
| Total Mortgage Loan Application Amount | $3,776,960,000 |
| Average Mortgage Loan Application Amount | $216,556 |
| Highest Mortgage Loan Application Amount | $2,250,000 |
| Average Applicant Income | $71,691 |
| Highest Applicant Income | $1,900,000 |
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(HMDA) records American Sterling Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 1,024 | $ 217,863,000 | $ 212,756 | $ 78,000 |
| Portland-Vancouver-Beaverton, OR-WA | 832 | $ 200,422,000 | $ 240,891 | $ 79,105 |
| Chicago-Naperville-Joliet, IL | 789 | $ 182,575,000 | $ 231,400 | $ 83,000 |
| Riverside-San Bernardino-Ontario, CA | 554 | $ 148,339,000 | $ 267,759 | $ 85,000 |
| Atlanta-Sandy Springs-Marietta, GA | 550 | $ 99,754,000 | $ 181,370 | $ 61,000 |
| Milwaukee-Waukesha-West Allis, WI | 510 | $ 88,676,000 | $ 173,874 | $ 72,000 |
| Denver-Aurora, CO | 505 | $ 98,907,000 | $ 195,855 | $ 69,000 |
| Los Angeles-Long Beach-Glendale, CA | 491 | $ 163,246,000 | $ 332,476 | $ 99,000 |
| San Diego-Carlsbad-San Marcos, CA | 433 | $ 130,677,000 | $ 301,794 | $ 101,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 367 | $ 89,151,000 | $ 242,918 | $ 89,000 |
| Salt Lake City, UT | 350 | $ 76,083,000 | $ 217,380 | $ 72,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 327 | $ 93,866,000 | $ 287,051 | $ 87,776 |
| Ogden-Clearfield, UT | 316 | $ 63,172,000 | $ 199,911 | $ 68,000 |
| Seattle-Bellevue-Everett, WA | 262 | $ 76,898,000 | $ 293,503 | $ 87,000 |
| Santa Ana-Anaheim-Irvine, CA | 249 | $ 83,884,000 | $ 336,883 | $ 114,000 |
| Houston-Sugar Land-Baytown, TX | 248 | $ 37,966,000 | $ 153,088 | $ 55,000 |
| Las Vegas-Paradise, NV | 247 | $ 57,482,000 | $ 232,720 | $ 75,000 |
| Miami-Miami Beach-Kendall, FL | 240 | $ 55,118,000 | $ 229,658 | $ 83,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 228 | $ 50,100,000 | $ 219,736 | $ 77,245 |
| Eugene-Springfield, OR | 213 | $ 44,907,000 | $ 210,830 | $ 72,000 |
| Kansas City, MO-KS | 197 | $ 30,439,000 | $ 154,512 | $ 69,588 |
| Salem, OR | 196 | $ 41,701,000 | $ 212,760 | $ 82,000 |
| Lake County-Kenosha County, IL-WI | 192 | $ 49,948,000 | $ 260,145 | $ 103,843 |
| St. Louis, MO-IL | 180 | $ 29,235,000 | $ 162,416 | $ 52,350 |
| Tampa-St. Petersburg-Clearwater, FL | 155 | $ 27,413,000 | $ 176,858 | $ 57,000 |
| Provo-Orem, UT | 145 | $ 31,212,000 | $ 215,255 | $ 68,000 |
| Baltimore-Towson, MD | 139 | $ 34,859,000 | $ 250,784 | $ 68,000 |
| Orlando-Kissimmee, FL | 133 | $ 27,146,000 | $ 204,105 | $ 63,000 |
| Richmond, VA | 130 | $ 26,918,000 | $ 207,061 | $ 71,000 |
| Dallas-Plano-Irving, TX | 126 | $ 20,142,000 | $ 159,857 | $ 27,000 |
| Charlotte-Gastonia-Concord, NC-SC | 123 | $ 20,518,000 | $ 166,813 | $ 53,756 |
| Green Bay, WI | 116 | $ 18,416,000 | $ 158,758 | $ 65,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 115 | $ 26,068,000 | $ 226,678 | $ 76,000 |
| Warren-Troy-Farmington Hills, MI | 108 | $ 18,195,000 | $ 168,472 | $ 67,000 |
| Tucson, AZ | 106 | $ 20,894,000 | $ 197,113 | $ 62,000 |
| Oakland-Fremont-Hayward, CA | 100 | $ 31,065,000 | $ 310,650 | $ 98,000 |
| Tacoma, WA | 99 | $ 25,574,000 | $ 258,323 | $ 77,000 |
| Boise City-Nampa, ID | 98 | $ 18,871,000 | $ 192,561 | $ 60,000 |
| Jacksonville, FL | 93 | $ 17,573,000 | $ 188,956 | $ 41,000 |
| Philadelphia, PA | 91 | $ 18,400,000 | $ 202,197 | $ 71,000 |
| Bend, OR | 88 | $ 23,840,000 | $ 270,909 | $ 105,000 |
| Detroit-Livonia-Dearborn, MI | 85 | $ 9,788,000 | $ 115,152 | $ 57,000 |
| Edison-New Brunswick, NJ | 83 | $ 25,108,000 | $ 302,506 | $ 70,000 |
| Newark-Union, NJ-PA | 78 | $ 24,630,000 | $ 315,769 | $ 68,076 |
| Bethesda-Frederick-Gaithersburg, MD | 75 | $ 24,069,000 | $ 320,920 | $ 107,000 |
| Madison, WI | 73 | $ 15,462,000 | $ 211,808 | $ 87,000 |
| San Antonio, TX | 70 | $ 10,235,000 | $ 146,214 | $ 4,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 69 | $ 15,735,000 | $ 228,043 | $ 56,000 |
| Fresno, CA | 64 | $ 14,113,000 | $ 220,515 | $ 79,000 |
| Raleigh-Cary, NC | 64 | $ 10,932,000 | $ 170,812 | $ 45,000 |
| Albuquerque, NM | 61 | $ 10,998,000 | $ 180,295 | $ 60,000 |
| Fort Worth-Arlington, TX | 61 | $ 8,646,000 | $ 141,737 | $ 14,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 59 | $ 14,355,000 | $ 243,305 | $ 92,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 54 | $ 10,795,000 | $ 199,907 | $ 59,000 |
| Prescott, AZ | 54 | $ 12,895,000 | $ 238,796 | $ 94,000 |
| Bakersfield, CA | 49 | $ 10,449,000 | $ 213,244 | $ 74,000 |
| New Orleans-Metairie-Kenner, LA | 49 | $ 9,405,000 | $ 191,938 | $ 71,000 |
| Colorado Springs, CO | 48 | $ 10,069,000 | $ 209,770 | $ 64,000 |
| Fayetteville, NC | 48 | $ 7,064,000 | $ 147,166 | $ 10,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 48 | $ 17,095,000 | $ 356,145 | $ 102,000 |
| Des Moines-West Des Moines, IA | 47 | $ 7,214,000 | $ 153,489 | $ 77,000 |
| Austin-Round Rock, TX | 46 | $ 7,237,000 | $ 157,326 | $ 20,000 |
| Bradenton-Sarasota-Venice, FL | 46 | $ 9,553,000 | $ 207,673 | $ 70,000 |
| Medford, OR | 46 | $ 10,798,000 | $ 234,739 | $ 74,000 |
| Columbus, OH | 45 | $ 6,876,000 | $ 152,800 | $ 44,000 |
| McAllen-Edinburg-Mission, TX | 45 | $ 8,248,000 | $ 183,288 | $ 103,000 |
| Appleton, WI | 44 | $ 6,578,000 | $ 149,500 | $ 57,000 |
| Honolulu, HI | 43 | $ 15,632,000 | $ 363,534 | $ 54,000 |
| New York-White Plains-Wayne, NY-NJ | 43 | $ 15,035,000 | $ 349,651 | $ 58,000 |
| Cincinnati-Middletown, OH-KY-IN | 42 | $ 6,305,000 | $ 150,119 | $ 35,785 |
| Columbia, SC | 42 | $ 6,891,000 | $ 164,071 | $ 39,000 |
| Camden, NJ | 41 | $ 8,216,000 | $ 200,390 | $ 61,000 |
| Lakeland-Winter Haven, FL | 41 | $ 7,082,000 | $ 172,731 | $ 49,000 |
| Stockton, CA | 41 | $ 9,477,000 | $ 231,146 | $ 89,000 |
| Bremerton-Silverdale, WA | 40 | $ 11,322,000 | $ 283,050 | $ 68,000 |
| Palm Bay-Melbourne-Titusville, FL | 40 | $ 7,039,000 | $ 175,975 | $ 55,000 |
| Logan, UT-ID | 39 | $ 7,132,000 | $ 182,871 | $ 59,358 |
| Racine, WI | 38 | $ 7,222,000 | $ 190,052 | $ 82,000 |
| Indianapolis-Carmel, IN | 37 | $ 5,633,000 | $ 152,243 | $ 43,000 |
| Boston-Quincy, MA | 35 | $ 10,073,000 | $ 287,800 | $ 90,000 |
| Vallejo-Fairfield, CA | 35 | $ 10,304,000 | $ 294,400 | $ 88,000 |
| Cleveland-Elyria-Mentor, OH | 34 | $ 5,478,000 | $ 161,117 | $ 34,000 |
| Memphis, TN-MS-AR | 33 | $ 4,858,000 | $ 147,212 | $ 35,666 |
| San Francisco-San Mateo-Redwood City, CA | 33 | $ 13,465,000 | $ 408,030 | $ 117,000 |
| Spokane, WA | 33 | $ 6,685,000 | $ 202,575 | $ 79,000 |
| Lake Havasu City-Kingman, AZ | 32 | $ 5,875,000 | $ 183,593 | $ 70,000 |
| Rockford, IL | 31 | $ 4,607,000 | $ 148,612 | $ 60,000 |
| Fort Collins-Loveland, CO | 30 | $ 6,402,000 | $ 213,400 | $ 64,000 |
| Longview, WA | 30 | $ 5,406,000 | $ 180,200 | $ 66,000 |
| Charleston-North Charleston-Summerville, SC | 29 | $ 5,271,000 | $ 181,758 | $ 39,000 |
| Corpus Christi, TX | 29 | $ 4,497,000 | $ 155,068 | $ 73,000 |
| Greeley, CO | 29 | $ 5,044,000 | $ 173,931 | $ 69,000 |
| Oklahoma City, OK | 29 | $ 3,769,000 | $ 129,965 | $ 41,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 28 | $ 4,672,000 | $ 166,857 | $ 50,000 |
| Cambridge-Newton-Framingham, MA | 26 | $ 8,558,000 | $ 329,153 | $ 101,000 |
| Louisville-Jefferson County, KY-IN | 26 | $ 4,349,000 | $ 167,269 | $ 64,230 |
| Visalia-Porterville, CA | 26 | $ 4,827,000 | $ 185,653 | $ 52,000 |
| Worcester, MA | 26 | $ 6,249,000 | $ 240,346 | $ 71,000 |
| Baton Rouge, LA | 25 | $ 4,197,000 | $ 167,880 | $ 57,000 |
| Cape Coral-Fort Myers, FL | 25 | $ 5,900,000 | $ 236,000 | $ 62,000 |
| Charlottesville, VA | 25 | $ 5,412,000 | $ 216,480 | $ 89,000 |
| Greensboro-High Point, NC | 25 | $ 3,838,000 | $ 153,520 | $ 38,000 |
| Little Rock-North Little Rock-Conway, AR | 25 | $ 3,654,000 | $ 146,160 | $ 23,000 |
| Olympia, WA | 25 | $ 6,129,000 | $ 245,160 | $ 72,000 |
| Boulder, CO | 24 | $ 4,542,000 | $ 189,250 | $ 72,000 |
| Pensacola-Ferry Pass-Brent, FL | 24 | $ 4,040,000 | $ 168,333 | $ 33,000 |
| St. George, UT | 24 | $ 5,444,000 | $ 226,833 | $ 64,000 |
| Yuba City, CA | 24 | $ 4,708,000 | $ 196,166 | $ 93,000 |
| Durham, NC | 23 | $ 4,884,000 | $ 212,347 | $ 69,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 23 | $ 8,412,000 | $ 365,739 | $ 104,000 |
| Wilmington, DE-MD-NJ | 23 | $ 5,350,000 | $ 232,608 | $ 76,521 |
| Wilmington, NC | 23 | $ 4,148,000 | $ 180,347 | $ 46,000 |
| Gary, IN | 22 | $ 3,230,000 | $ 146,818 | $ 49,000 |
| Harrisburg-Carlisle, PA | 21 | $ 3,378,000 | $ 160,857 | $ 58,000 |
| Dayton, OH | 20 | $ 2,462,000 | $ 123,100 | $ 38,000 |
| Oshkosh-Neenah, WI | 20 | $ 2,626,000 | $ 131,300 | $ 50,000 |
| York-Hanover, PA | 20 | $ 4,351,000 | $ 217,550 | $ 71,000 |
| Yuma, AZ | 20 | $ 4,254,000 | $ 212,700 | $ 59,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 19 | $ 3,821,000 | $ 201,105 | $ 55,631 |
| Birmingham-Hoover, AL | 19 | $ 2,960,000 | $ 155,789 | $ 43,000 |
| Idaho Falls, ID | 19 | $ 2,809,000 | $ 147,842 | $ 46,000 |
| Killeen-Temple-Fort Hood, TX | 19 | $ 2,254,000 | $ 118,631 | $ 25,000 |
| Ocala, FL | 19 | $ 2,886,000 | $ 151,894 | $ 49,000 |
| Pittsburgh, PA | 19 | $ 2,741,000 | $ 144,263 | $ 45,000 |
| Greenville-Mauldin-Easley, SC | 18 | $ 3,070,000 | $ 170,555 | $ 75,000 |
| Modesto, CA | 18 | $ 4,149,000 | $ 230,500 | $ 67,000 |
| Springfield, MA | 18 | $ 3,311,000 | $ 183,944 | $ 62,000 |
| Winston-Salem, NC | 18 | $ 2,322,000 | $ 129,000 | $ 41,000 |
| Augusta-Richmond County, GA-SC | 17 | $ 2,636,000 | $ 155,058 | $ 14,058 |
| El Paso, TX | 17 | $ 2,581,000 | $ 151,823 | $ 19,000 |
| Fond Du Lac, WI | 17 | $ 2,322,000 | $ 136,588 | $ 94,000 |
| Janesville, WI | 17 | $ 2,104,000 | $ 123,764 | $ 61,000 |
| Port St. Lucie, FL | 17 | $ 3,087,000 | $ 181,588 | $ 71,000 |
| Tulsa, OK | 17 | $ 2,401,000 | $ 141,235 | $ 42,000 |
| Grand Junction, CO | 16 | $ 3,321,000 | $ 207,562 | $ 53,000 |
| Las Cruces, NM | 16 | $ 2,298,000 | $ 143,625 | $ 35,000 |
| Clarksville, TN-KY | 15 | $ 1,827,000 | $ 121,800 | $ 11,133 |
| Gainesville, GA | 15 | $ 3,070,000 | $ 204,666 | $ 45,000 |
| Naples-Marco Island, FL | 15 | $ 4,060,000 | $ 270,666 | $ 89,000 |
| Shreveport-Bossier City, LA | 15 | $ 2,176,000 | $ 145,066 | $ 30,000 |
| Corvallis, OR | 14 | $ 3,714,000 | $ 265,285 | $ 95,000 |
| Eau Claire, WI | 14 | $ 2,099,000 | $ 149,928 | $ 62,000 |
| Flint, MI | 14 | $ 2,076,000 | $ 148,285 | $ 48,000 |
| Fort Walton Beach-Crestview-Destin, FL | 14 | $ 2,632,000 | $ 188,000 | $ 33,000 |
| Hartford-West Hartford-East Hartford, CT | 14 | $ 3,185,000 | $ 227,500 | $ 99,000 |
| Jacksonville, NC | 14 | $ 2,165,000 | $ 154,642 | $ 24,000 |
| Lansing-East Lansing, MI | 14 | $ 2,298,000 | $ 164,142 | $ 60,000 |
| Flagstaff, AZ | 13 | $ 3,461,000 | $ 266,230 | $ 98,000 |
| Grand Rapids-Wyoming, MI | 13 | $ 2,563,000 | $ 197,153 | $ 38,000 |
| Kennewick-Pasco-Richland, WA | 13 | $ 2,268,000 | $ 174,461 | $ 62,000 |
| Peoria, IL | 13 | $ 1,433,000 | $ 110,230 | $ 27,000 |
| Reading, PA | 13 | $ 1,908,000 | $ 146,769 | $ 49,000 |
| South Bend-Mishawaka, IN-MI | 13 | $ 1,567,000 | $ 120,538 | $ 46,615 |
| Springfield, MO | 13 | $ 2,176,000 | $ 167,384 | $ 72,000 |
| Tallahassee, FL | 13 | $ 2,078,000 | $ 159,846 | $ 62,000 |
| Fargo, ND-MN | 12 | $ 2,314,000 | $ 192,833 | $ 88,000 |
| Hanford-Corcoran, CA | 12 | $ 2,808,000 | $ 234,000 | $ 83,000 |
| Knoxville, TN | 12 | $ 2,020,000 | $ 168,333 | $ 55,000 |
| Mobile, AL | 12 | $ 1,800,000 | $ 150,000 | $ 32,000 |
| Montgomery, AL | 12 | $ 1,797,000 | $ 149,750 | $ 25,000 |
| Peabody, MA | 12 | $ 3,405,000 | $ 283,750 | $ 82,000 |
| Pueblo, CO | 12 | $ 2,090,000 | $ 174,166 | $ 60,000 |
| Santa Rosa-Petaluma, CA | 12 | $ 3,956,000 | $ 329,666 | $ 127,000 |
| Akron, OH | 11 | $ 1,760,000 | $ 160,000 | $ 33,000 |
| Bridgeport-Stamford-Norwalk, CT | 11 | $ 3,375,000 | $ 306,818 | $ 102,000 |
| Coeur D'Alene, ID | 11 | $ 2,183,000 | $ 198,454 | $ 64,000 |
| Columbus, GA-AL | 11 | $ 1,906,000 | $ 173,272 | $ 29,090 |
| Michigan City-La Porte, IN | 11 | $ 1,392,000 | $ 126,545 | $ 35,000 |
| New Haven-Milford, CT | 11 | $ 3,166,000 | $ 287,818 | $ 94,000 |
| Redding, CA | 11 | $ 2,159,000 | $ 196,272 | $ 57,000 |
| Savannah, GA | 11 | $ 1,956,000 | $ 177,818 | $ 41,000 |
| Sheboygan, WI | 11 | $ 1,361,000 | $ 123,727 | $ 56,000 |
| Wichita, KS | 11 | $ 1,550,000 | $ 140,909 | $ 67,000 |
| Yakima, WA | 11 | $ 1,514,000 | $ 137,636 | $ 59,000 |
| Johnson City, TN | 10 | $ 1,330,000 | $ 133,000 | $ 24,000 |
| Mount Vernon-Anacortes, WA | 10 | $ 2,875,000 | $ 287,500 | $ 81,000 |
| Panama City-Lynn Haven, FL | 10 | $ 2,013,000 | $ 201,300 | $ 33,000 |
| Portland-South Portland-Biddeford, ME | 10 | $ 2,595,000 | $ 259,500 | $ 105,000 |
| Asheville, NC | 9 | $ 1,846,000 | $ 205,111 | $ 51,000 |
| Bellingham, WA | 9 | $ 2,295,000 | $ 255,000 | $ 66,000 |
| Carson City, NV | 9 | $ 2,164,000 | $ 240,444 | $ 45,000 |
| Cheyenne, WY | 9 | $ 1,675,000 | $ 186,111 | $ 55,000 |
| Chico, CA | 9 | $ 2,411,000 | $ 267,888 | $ 79,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 9 | $ 1,591,000 | $ 176,777 | $ 61,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 9 | $ 1,666,000 | $ 185,111 | $ 60,000 |
| Pocatello, ID | 9 | $ 1,490,000 | $ 165,555 | $ 61,000 |
| Reno-Sparks, NV | 9 | $ 1,965,000 | $ 218,333 | $ 38,000 |
| Salinas, CA | 9 | $ 2,889,000 | $ 321,000 | $ 90,000 |
| Youngstown-Warren-Boardman, OH-PA | 9 | $ 1,174,000 | $ 130,444 | $ 48,000 |
| Battle Creek, MI | 8 | $ 1,235,000 | $ 154,375 | $ 44,000 |
| Brownsville-Harlingen, TX | 8 | $ 811,000 | $ 101,375 | $ 37,000 |
| Chattanooga, TN-GA | 8 | $ 1,323,000 | $ 165,375 | $ 40,250 |
| Hagerstown-Martinsburg, MD-WV | 8 | $ 1,403,000 | $ 175,375 | $ 51,250 |
| Hickory-Lenoir-Morganton, NC | 8 | $ 1,329,000 | $ 166,125 | $ 63,000 |
| Kankakee-Bradley, IL | 8 | $ 1,479,000 | $ 184,875 | $ 51,000 |
| Lafayette, LA | 8 | $ 1,542,000 | $ 192,750 | $ 65,000 |
| Mansfield, OH | 8 | $ 1,303,000 | $ 162,875 | $ 14,000 |
| San Luis Obispo-Paso Robles, CA | 8 | $ 2,287,000 | $ 285,875 | $ 85,000 |
| Santa Fe, NM | 8 | $ 1,435,000 | $ 179,375 | $ 47,000 |
| Tyler, TX | 8 | $ 1,276,000 | $ 159,500 | $ 31,000 |
| Weirton-Steubenville, WV-OH | 8 | $ 923,000 | $ 115,375 | $ 52,000 |
| Atlantic City-Hammonton, NJ | 7 | $ 2,181,000 | $ 311,571 | $ 33,000 |
| Bloomington-Normal, IL | 7 | $ 1,093,000 | $ 156,142 | $ 28,000 |
| Elkhart-Goshen, IN | 7 | $ 615,000 | $ 87,857 | $ 57,000 |
| Evansville, IN-KY | 7 | $ 704,000 | $ 100,571 | $ 48,000 |
| Merced, CA | 7 | $ 1,440,000 | $ 205,714 | $ 50,000 |
| Omaha-Council Bluffs, NE-IA | 7 | $ 1,159,000 | $ 165,571 | $ 27,428 |
| Providence-New Bedford-Fall River, RI-MA | 7 | $ 1,806,000 | $ 258,000 | $ 99,000 |
| Scranton--Wilkes-Barre, PA | 7 | $ 935,000 | $ 133,571 | $ 50,000 |
| Sebastian-Vero Beach, FL | 7 | $ 1,243,000 | $ 177,571 | $ 46,000 |
| Springfield, OH | 7 | $ 884,000 | $ 126,285 | $ 24,000 |
| Toledo, OH | 7 | $ 1,099,000 | $ 157,000 | $ 53,000 |
| Warner Robins, GA | 7 | $ 1,147,000 | $ 163,857 | $ 47,000 |
| Wausau, WI | 7 | $ 982,000 | $ 140,285 | $ 116,000 |
| Casper, WY | 6 | $ 1,062,000 | $ 177,000 | $ 55,000 |
| Cedar Rapids, IA | 6 | $ 1,033,000 | $ 172,166 | $ 64,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 998,000 | $ 166,333 | $ 67,500 |
| Duluth, MN-WI | 6 | $ 866,000 | $ 144,333 | $ 55,000 |
| El Centro, CA | 6 | $ 1,148,000 | $ 191,333 | $ 55,000 |
| Lake Charles, LA | 6 | $ 1,137,000 | $ 189,500 | $ 68,000 |
| Lancaster, PA | 6 | $ 1,180,000 | $ 196,666 | $ 82,000 |
| Lewiston, ID-WA | 6 | $ 974,000 | $ 162,333 | $ 78,333 |
| Macon, GA | 6 | $ 878,000 | $ 146,333 | $ 40,000 |
| Napa, CA | 6 | $ 1,899,000 | $ 316,500 | $ 86,000 |
| Spartanburg, SC | 6 | $ 748,000 | $ 124,666 | $ 45,000 |
| Springfield, IL | 6 | $ 736,000 | $ 122,666 | $ 43,000 |
| St. Cloud, MN | 6 | $ 927,000 | $ 154,500 | $ 53,000 |
| Topeka, KS | 6 | $ 848,000 | $ 141,333 | $ 51,000 |
| Champaign-Urbana, IL | 5 | $ 715,000 | $ 143,000 | $ 31,000 |
| Holland-Grand Haven, MI | 5 | $ 770,000 | $ 154,000 | $ 38,000 |
| Kalamazoo-Portage, MI | 5 | $ 615,000 | $ 123,000 | $ 38,000 |
| Laredo, TX | 5 | $ 751,000 | $ 150,200 | $ 29,000 |
| Lexington-Fayette, KY | 5 | $ 767,000 | $ 153,400 | $ 78,000 |
| Madera, CA | 5 | $ 1,370,000 | $ 274,000 | $ 74,000 |
| Monroe, LA | 5 | $ 612,000 | $ 122,400 | $ 77,000 |
| Pittsfield, MA | 5 | $ 995,000 | $ 199,000 | $ 59,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 5 | $ 1,634,000 | $ 326,800 | $ 72,000 |
| St. Joseph, MO-KS | 5 | $ 792,000 | $ 158,400 | $ 62,400 |
| Trenton-Ewing, NJ | 5 | $ 1,719,000 | $ 343,800 | $ 131,000 |
| Valdosta, GA | 5 | $ 593,000 | $ 118,600 | $ 41,000 |
| Wenatchee, WA | 5 | $ 1,018,000 | $ 203,600 | $ 64,000 |
| Albany, GA | 4 | $ 470,000 | $ 117,500 | $ 54,000 |
| Alexandria, LA | 4 | $ 639,000 | $ 159,750 | $ 102,000 |
| Amarillo, TX | 4 | $ 691,000 | $ 172,750 | $ 0 |
| Athens-Clarke County, GA | 4 | $ 822,000 | $ 205,500 | $ 71,000 |
| Barnstable Town, MA | 4 | $ 1,065,000 | $ 266,250 | $ 60,000 |
| Bismarck, ND | 4 | $ 740,000 | $ 185,000 | $ 46,000 |
| Farmington, NM | 4 | $ 655,000 | $ 163,750 | $ 76,000 |
| Fort Smith, AR-OK | 4 | $ 564,000 | $ 141,000 | $ 50,750 |
| Fort Wayne, IN | 4 | $ 582,000 | $ 145,500 | $ 28,000 |
| Hinesville-Fort Stewart, GA | 4 | $ 579,000 | $ 144,750 | $ 36,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 638,000 | $ 159,500 | $ 76,000 |
| Huntsville, AL | 4 | $ 475,000 | $ 118,750 | $ 36,000 |
| La Crosse, WI-MN | 4 | $ 549,000 | $ 137,250 | $ 52,000 |
| Lynchburg, VA | 4 | $ 704,000 | $ 176,000 | $ 76,000 |
| Morristown, TN | 4 | $ 705,000 | $ 176,250 | $ 45,000 |
| Niles-Benton Harbor, MI | 4 | $ 652,000 | $ 163,000 | $ 39,000 |
| Norwich-New London, CT | 4 | $ 1,098,000 | $ 274,500 | $ 70,000 |
| Palm Coast, FL | 4 | $ 795,000 | $ 198,750 | $ 69,000 |
| Rapid City, SD | 4 | $ 600,000 | $ 150,000 | $ 73,000 |
| Sioux City, IA-NE-SD | 4 | $ 479,000 | $ 119,750 | $ 76,000 |
| Sumter, SC | 4 | $ 588,000 | $ 147,000 | $ 23,000 |
| Vineland-Millville-Bridgeton, NJ | 4 | $ 732,000 | $ 183,000 | $ 50,000 |
| Winchester, VA-WV | 4 | $ 764,000 | $ 191,000 | $ 72,750 |
| Anderson, SC | 3 | $ 548,000 | $ 182,666 | $ 66,000 |
| Auburn-Opelika, AL | 3 | $ 490,000 | $ 163,333 | $ 51,000 |
| Billings, MT | 3 | $ 520,000 | $ 173,333 | $ 23,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 403,000 | $ 134,333 | $ 43,000 |
| Canton-Massillon, OH | 3 | $ 526,000 | $ 175,333 | $ 93,000 |
| Columbia, MO | 3 | $ 500,000 | $ 166,666 | $ 67,000 |
| Cumberland, MD-WV | 3 | $ 420,000 | $ 140,000 | $ 50,000 |
| Dover, DE | 3 | $ 572,000 | $ 190,666 | $ 59,000 |
| Gainesville, FL | 3 | $ 844,000 | $ 281,333 | $ 78,000 |
| Goldsboro, NC | 3 | $ 391,000 | $ 130,333 | $ 33,000 |
| Greenville, NC | 3 | $ 541,000 | $ 180,333 | $ 41,000 |
| Harrisonburg, VA | 3 | $ 777,000 | $ 259,000 | $ 67,000 |
| Houma-Bayou Cane-Thibodaux, LA | 3 | $ 498,000 | $ 166,000 | $ 51,000 |
| Jefferson City, MO | 3 | $ 642,000 | $ 214,000 | $ 83,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 255,000 | $ 85,000 | $ 30,000 |
| Monroe, MI | 3 | $ 557,000 | $ 185,666 | $ 68,000 |
| Punta Gorda, FL | 3 | $ 806,000 | $ 268,666 | $ 98,000 |
| Roanoke, VA | 3 | $ 467,000 | $ 155,666 | $ 73,000 |
| Salisbury, MD | 3 | $ 406,000 | $ 135,333 | $ 36,000 |
| Tuscaloosa, AL | 3 | $ 406,000 | $ 135,333 | $ 40,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 503,000 | $ 167,666 | $ 67,000 |
| Bangor, ME | 2 | $ 238,000 | $ 119,000 | $ 41,000 |
| Beaumont-Port Arthur, TX | 2 | $ 305,000 | $ 152,500 | $ 54,000 |
| Bloomington, IN | 2 | $ 403,000 | $ 201,500 | $ 121,000 |
| Brunswick, GA | 2 | $ 346,000 | $ 173,000 | $ 38,000 |
| Charleston, WV | 2 | $ 204,000 | $ 102,000 | $ 28,000 |
| College Station-Bryan, TX | 2 | $ 283,000 | $ 141,500 | $ 0 |
| Danville, VA | 2 | $ 176,000 | $ 88,000 | $ 113,000 |
| Decatur, AL | 2 | $ 477,000 | $ 238,500 | $ 126,000 |
| Decatur, IL | 2 | $ 271,000 | $ 135,500 | $ 50,000 |
| Dothan, AL | 2 | $ 343,000 | $ 171,500 | $ 32,000 |
| Elizabethtown, KY | 2 | $ 297,000 | $ 148,500 | $ 98,000 |
| Grand Forks, ND-MN | 2 | $ 222,000 | $ 111,000 | $ 59,500 |
| Hot Springs, AR | 2 | $ 268,000 | $ 134,000 | $ 29,000 |
| Iowa City, IA | 2 | $ 213,000 | $ 106,500 | $ 45,000 |
| Jackson, MI | 2 | $ 187,000 | $ 93,500 | $ 34,000 |
| Jackson, TN | 2 | $ 267,000 | $ 133,500 | $ 60,000 |
| Johnstown, PA | 2 | $ 293,000 | $ 146,500 | $ 75,000 |
| Lafayette, IN | 2 | $ 190,000 | $ 95,000 | $ 20,000 |
| Lawrence, KS | 2 | $ 295,000 | $ 147,500 | $ 59,000 |
| Lawton, OK | 2 | $ 285,000 | $ 142,500 | $ 64,000 |
| Lebanon, PA | 2 | $ 254,000 | $ 127,000 | $ 25,000 |
| Lewiston-Auburn, ME | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Lima, OH | 2 | $ 209,000 | $ 104,500 | $ 0 |
| Muskegon-Norton Shores, MI | 2 | $ 410,000 | $ 205,000 | $ 45,000 |
| Pine Bluff, AR | 2 | $ 266,000 | $ 133,000 | $ 84,000 |
| Rochester, MN | 2 | $ 425,000 | $ 212,500 | $ 76,000 |
| Rome, GA | 2 | $ 227,000 | $ 113,500 | $ 60,000 |
| San Angelo, TX | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Sandusky, OH | 2 | $ 273,000 | $ 136,500 | $ 36,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,071,000 | $ 535,500 | $ 132,000 |
| Sioux Falls, SD | 2 | $ 300,000 | $ 150,000 | $ 47,000 |
| Waco, TX | 2 | $ 311,000 | $ 155,500 | $ 0 |
| Wheeling, WV-OH | 2 | $ 302,000 | $ 151,000 | $ 56,000 |
| Wichita Falls, TX | 2 | $ 253,000 | $ 126,500 | $ 0 |
| Abilene, TX | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Anderson, IN | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 73,000 | $ 73,000 | $ 140,000 |
| Anniston-Oxford, AL | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Bowling Green, KY | 1 | $ 208,000 | $ 208,000 | $ 86,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 78,000 | $ 78,000 | $ 55,000 |
| Dalton, GA | 1 | $ 143,000 | $ 143,000 | $ 48,000 |
| Danville, IL | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Dubuque, IA | 1 | $ 172,000 | $ 172,000 | $ 45,000 |
| Hattiesburg, MS | 1 | $ 275,000 | $ 275,000 | $ 84,000 |
| Jonesboro, AR | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Joplin, MO | 1 | $ 100,000 | $ 100,000 | $ 27,000 |
| Kokomo, IN | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Midland, TX | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Muncie, IN | 1 | $ 179,000 | $ 179,000 | $ 68,000 |
| Ocean City, NJ | 1 | $ 341,000 | $ 341,000 | $ 149,000 |
| Rocky Mount, NC | 1 | $ 94,000 | $ 94,000 | $ 64,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 105,000 | $ 105,000 | $ 0 |
| State College, PA | 1 | $ 255,000 | $ 255,000 | $ 68,000 |
| Terre Haute, IN | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 163,000 | $ 163,000 | $ 38,000 |
| Victoria, TX | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Williamsport, PA | 1 | $ 162,000 | $ 162,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for American Sterling Bank in 2008
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 | 12,479 | $2,727,773,000 | $218,000 | $2,250,000 | $68,000 | $1,900,000 |
| Home Purchase | 4,950 | $1,048,502,000 | $211,000 | $948,000 | $81,000 | $1,345,000 |
| Home Improvement | 12 | $685,000 | $57,000 | $150,000 | $71,000 | $125,000 |
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 | 9,282 | $2,010,785,000 | $216,000 | $2,250,000 | $78,000 | $1,500,000 |
| Not Provided | 3,705 | $794,094,000 | $214,000 | $1,020,000 | $61,000 | $990,000 |
| Hispanic | 2,188 | $479,530,000 | $219,000 | $710,000 | $65,000 | $879,000 |
| Black or African American | 1,226 | $234,024,000 | $190,000 | $735,000 | $57,000 | $1,900,000 |
| Asian | 906 | $225,489,000 | $248,000 | $880,000 | $91,000 | $508,000 |
| Native Hawaiian or Other Pacific Islander | 81 | $19,798,000 | $244,000 | $522,000 | $68,000 | $202,000 |
| American Indian or Alaskan Native | 47 | $10,726,000 | $228,000 | $561,000 | $86,000 | $372,000 |
| Not applicable | 6 | $2,514,000 | $419,000 | $860,000 | $174,000 | $688,000 |
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) | 9,513 | $2,194,886,000 | $230,000 | $2,250,000 | $89,000 | $1,900,000 |
| FHA-insured (Federal Housing Administration) | 6,558 | $1,321,192,000 | $201,000 | $948,000 | $60,000 | $588,000 |
| VA-guaranteed (Veterans Administration) | 1,370 | $260,882,000 | $190,000 | $555,000 | $15,000 | $191,000 |
| 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 | 7,534 | $1,560,641,000 | $207,000 | $860,000 | $68,000 | $1,900,000 |
| Application Approved But Not Accepted | 4,002 | $907,650,000 | $226,000 | $925,000 | $74,000 | $1,345,000 |
| Application Denied By Financial Institution | 3,392 | $740,233,000 | $218,000 | $1,020,000 | $75,000 | $1,200,000 |
| Application Withdrawn By Applicant | 1,826 | $419,848,000 | $229,000 | $2,250,000 | $78,000 | $1,500,000 |
| File Closed For Incompleteness | 687 | $148,588,000 | $216,000 | $709,000 | $72,000 | $456,000 |
| 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 | 835 | $161,849,000 | $193,000 | $1,020,000 | $59,000 | $502,000 |
| Other | 746 | $171,827,000 | $230,000 | $948,000 | $82,000 | $480,000 |
| Collateral | 728 | $166,827,000 | $229,000 | $694,000 | $88,000 | $887,000 |
| Debt-To-Income Ratio | 472 | $110,806,000 | $234,000 | $703,000 | $66,000 | $235,000 |
| Unverifiable Information | 245 | $55,315,000 | $225,000 | $712,000 | $81,000 | $726,000 |
| Credit Application Incomplete | 212 | $39,538,000 | $186,000 | $516,000 | $73,000 | $504,000 |
| Employment History | 92 | $20,620,000 | $224,000 | $417,000 | $73,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 51 | $10,438,000 | $204,000 | $495,000 | $65,000 | $127,000 |
| Mortgage Insurance Denied | 11 | $3,013,000 | $273,000 | $417,000 | $170,000 | $1,200,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Sterling Bank's 2008 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