Sterling Bank (Final Report)
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Sterling Bank (Final Report) 2009 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 | Sterling Bank (Final Report) 3100 Route 38 Mt.Laurel, NJ 08054 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 299 |
| Total Mortgage Loan Application Amount | $35,499,000 |
| Average Mortgage Loan Application Amount | $109,666 |
| Highest Mortgage Loan Application Amount | $1,916,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $1,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Sterling Bank (Final Report). 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 Sterling Bank (Final Report)'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Sterling Bank (Final Report)'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 Sterling Bank (Final Report) serves its applicants.
Each category highlights the total number of mortgage applications processed by Sterling Bank (Final Report), 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 Sterling Bank (Final Report)'s mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Burlington County New Jersey | 107 | $ 18,010,000 | $ 168,000 | $ 93,000 |
| Camden County New Jersey | 15 | $ 4,123,000 | $ 274,000 | $ 209,000 |
| Ocean County New Jersey | 14 | $ 1,095,000 | $ 78,000 | $ 56,000 |
| Middlesex County New Jersey | 11 | $ 977,000 | $ 88,000 | $ 70,000 |
| Atlantic County New Jersey | 7 | $ 2,130,000 | $ 304,000 | $ 297,000 |
| New Castle County Delaware | 5 | $ 228,000 | $ 45,000 | $ 0 |
| Mercer County New Jersey | 5 | $ 746,000 | $ 149,000 | $ 74,000 |
| Saratoga County New York | 5 | $ 93,000 | $ 18,000 | $ 0 |
| Chester County Pennsylvania | 5 | $ 253,000 | $ 50,000 | $ 0 |
| Gloucester County New Jersey | 4 | $ 465,000 | $ 116,000 | $ 86,000 |
| Luzerne County Pennsylvania | 4 | $ 127,000 | $ 31,000 | $ 0 |
| Stafford County Virginia | 4 | $ 94,000 | $ 23,000 | $ 0 |
| Sussex County Delaware | 3 | $ 55,000 | $ 18,000 | $ 0 |
| Anne Arundel County Maryland | 3 | $ 203,000 | $ 67,000 | $ 0 |
| Clinton County New York | 3 | $ 141,000 | $ 47,000 | $ 0 |
| St. Lawrence County New York | 3 | $ 247,000 | $ 82,000 | $ 0 |
| Butler County Pennsylvania | 3 | $ 221,000 | $ 73,000 | $ 0 |
| Kent County Delaware | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Clay County Kentucky | 2 | $ 24,000 | $ 12,000 | $ 0 |
| Broome County New York | 2 | $ 386,000 | $ 193,000 | $ 0 |
| Jefferson County New York | 2 | $ 35,000 | $ 17,000 | $ 0 |
| Rensselaer County New York | 2 | $ 57,000 | $ 28,000 | $ 0 |
| Ulster County New York | 2 | $ 78,000 | $ 39,000 | $ 0 |
| Washington County New York | 2 | $ 102,000 | $ 51,000 | $ 0 |
| Wood County Ohio | 2 | $ 58,000 | $ 29,000 | $ 0 |
| Bucks County Pennsylvania | 2 | $ 48,000 | $ 24,000 | $ 0 |
| Lackawanna County Pennsylvania | 2 | $ 37,000 | $ 18,000 | $ 0 |
| Philadelphia County Pennsylvania | 2 | $ 398,000 | $ 199,000 | $ 180,000 |
| York County Pennsylvania | 2 | $ 52,000 | $ 26,000 | $ 0 |
| Augusta County Virginia | 2 | $ 71,000 | $ 35,000 | $ 0 |
| Spotsylvania County Virginia | 2 | $ 51,000 | $ 25,000 | $ 0 |
| Campbell County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Casey County Kentucky | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Green County Kentucky | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Harlan County Kentucky | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Jackson County Kentucky | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Owen County Kentucky | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Pike County Kentucky | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Franklin County Maine | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Hancock County Maine | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Waldo County Maine | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Caroline County Maryland | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Howard County Maryland | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Prince George's County Maryland | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Newaygo County Michigan | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Oakland County Michigan | 1 | $ 11,000 | $ 11,000 | $ 0 |
| St. Clair County Michigan | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Bergen County New Jersey | 1 | $ 102,000 | $ 102,000 | $ 80,000 |
| Cape May County New Jersey | 1 | $ 190,000 | $ 190,000 | $ 119,000 |
| Essex County New Jersey | 1 | $ 300,000 | $ 300,000 | $ 106,000 |
| Monmouth County New Jersey | 1 | $ 245,000 | $ 245,000 | $ 106,000 |
| Morris County New Jersey | 1 | $ 235,000 | $ 235,000 | $ 66,000 |
| Warren County New Jersey | 1 | $ 415,000 | $ 415,000 | $ 90,000 |
| Chenango County New York | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Columbia County New York | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Essex County New York | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Franklin County New York | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Livingston County New York | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Ontario County New York | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Oswego County New York | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Otsego County New York | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Seneca County New York | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Sullivan County New York | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Allen County Ohio | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Belmont County Ohio | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Carroll County Ohio | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Columbiana County Ohio | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Darke County Ohio | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Franklin County Ohio | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Geauga County Ohio | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Lawrence County Ohio | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Montgomery County Ohio | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Morgan County Ohio | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Muskingum County Ohio | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Portage County Ohio | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Ross County Ohio | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Stark County Ohio | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Berks County Pennsylvania | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Columbia County Pennsylvania | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Dauphin County Pennsylvania | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Jefferson County Pennsylvania | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Lancaster County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Lawrence County Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Perry County Pennsylvania | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Westmoreland County Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Wyoming County Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Orange County Vermont | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Windsor County Vermont | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Accomack County Virginia | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Buchanan County Virginia | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Charles City County Virginia | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Frederick County Virginia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Pittsylvania County Virginia | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Tazewell County Virginia | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Washington County Virginia | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Wythe County Virginia | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Berkeley County West Virginia | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Fayette County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Wayne County West Virginia | 1 | $ 76,000 | $ 76,000 | $ 0 |
Mortgage Loan Application Detail Totals for Sterling Bank (Final Report) in 2009
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 164 | $12,294,000 | $74,000 | $1,916,000 | $20,000 | $1,000,000 |
| Refinancing | 107 | $21,696,000 | $202,000 | $1,100,000 | $117,000 | $1,000,000 |
| Home Improvement | 28 | $1,509,000 | $53,000 | $210,000 | $91,000 | $500,000 |
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 | 279 | $33,478,000 | $119,000 | $1,916,000 | $63,000 | $1,000,000 |
| Black or African American | 10 | $974,000 | $97,000 | $320,000 | $55,000 | $184,000 |
| Hispanic | 7 | $588,000 | $84,000 | $300,000 | $27,000 | $106,000 |
| Not applicable | 2 | $400,000 | $200,000 | $250,000 | $0 | $0 |
| Asian | 1 | $59,000 | $59,000 | $59,000 | $27,000 | $27,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 298 | $35,408,000 | $118,000 | $1,916,000 | $61,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 1 | $91,000 | $91,000 | $91,000 | $36,000 | $36,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 132 | $24,038,000 | $182,000 | $1,916,000 | $116,000 | $1,000,000 |
| Loan Purchased By The Institution | 128 | $6,068,000 | $47,000 | $252,000 | $0 | $0 |
| Application Denied By Financial Institution | 27 | $2,940,000 | $108,000 | $282,000 | $80,000 | $500,000 |
| Application Approved But Not Accepted | 8 | $1,686,000 | $210,000 | $475,000 | $54,000 | $140,000 |
| Application Withdrawn By Applicant | 3 | $667,000 | $222,000 | $331,000 | $139,000 | $276,000 |
| File Closed For Incompleteness | 1 | $100,000 | $100,000 | $100,000 | $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 | 10 | $636,000 | $63,000 | $145,000 | $98,000 | $500,000 |
| Debt-To-Income Ratio | 10 | $881,000 | $88,000 | $255,000 | $59,000 | $142,000 |
| Collateral | 4 | $818,000 | $204,000 | $274,000 | $97,000 | $114,000 |
| Other | 1 | $255,000 | $255,000 | $255,000 | $64,000 | $64,000 |
| Employment History | 1 | $68,000 | $68,000 | $68,000 | $52,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sterling Bank (Final Report)'s 2009 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 Sterling Bank (Final Report)'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 New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.