Sterling Bank And Trust, Fsb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Sterling Bank And Trust, Fsb 2018 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 And Trust, Fsb One Towne Square, Suite 1900 Southfield, MI 48076 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 3,130 |
| Total Mortgage Loan Application Amount | $1,855,510,000 |
| Average Mortgage Loan Application Amount | $597,600 |
| Highest Mortgage Loan Application Amount | $10,075,000 |
| Average Applicant Income | $254,000 |
| Highest Applicant Income | $9,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Sterling Bank And Trust, Fsb. 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 And Trust, Fsb's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Sterling Bank And Trust, Fsb'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 And Trust, Fsb serves its applicants.
Each category highlights the total number of mortgage applications processed by Sterling Bank And Trust, Fsb, 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 And Trust, Fsb's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 523 | $ 341,055,000 | $ 652,000 | $ 238,000 |
| San Bernardino County California | 384 | $ 136,500,000 | $ 355,000 | $ 128,000 |
| San Francisco County California | 365 | $ 264,065,000 | $ 723,000 | $ 316,000 |
| Orange County California | 336 | $ 271,490,000 | $ 808,000 | $ 283,000 |
| Alameda County California | 255 | $ 138,875,000 | $ 544,000 | $ 189,000 |
| Queens County New York | 210 | $ 111,620,000 | $ 531,000 | $ 145,000 |
| Santa Clara County California | 156 | $ 139,740,000 | $ 895,000 | $ 371,000 |
| San Mateo County California | 139 | $ 124,455,000 | $ 895,000 | $ 274,000 |
| Contra Costa County California | 138 | $ 63,490,000 | $ 460,000 | $ 159,000 |
| Riverside County California | 127 | $ 44,175,000 | $ 347,000 | $ 158,000 |
| Nassau County New York | 77 | $ 34,845,000 | $ 452,000 | $ 159,000 |
| Kings County New York | 49 | $ 34,075,000 | $ 695,000 | $ 187,000 |
| Oakland County Michigan | 29 | $ 3,665,000 | $ 126,000 | $ 45,000 |
| Sacramento County California | 28 | $ 6,950,000 | $ 248,000 | $ 104,000 |
| Richmond County New York | 28 | $ 10,470,000 | $ 373,000 | $ 104,000 |
| San Diego County California | 21 | $ 9,115,000 | $ 434,000 | $ 147,000 |
| King County Washington | 20 | $ 12,650,000 | $ 632,000 | $ 246,000 |
| Suffolk County New York | 12 | $ 4,250,000 | $ 354,000 | $ 154,000 |
| Solano County California | 10 | $ 4,080,000 | $ 408,000 | $ 125,000 |
| Snohomish County Washington | 8 | $ 3,890,000 | $ 486,000 | $ 297,000 |
| New York County New York | 7 | $ 5,925,000 | $ 846,000 | $ 286,000 |
| Bronx County New York | 6 | $ 2,190,000 | $ 365,000 | $ 124,000 |
| San Joaquin County California | 5 | $ 1,435,000 | $ 287,000 | $ 85,000 |
| Sonoma County California | 5 | $ 3,165,000 | $ 633,000 | $ 149,000 |
| Stanislaus County California | 5 | $ 1,775,000 | $ 355,000 | $ 138,000 |
| Orange County New York | 5 | $ 775,000 | $ 155,000 | $ 93,000 |
| Middlesex County New Jersey | 4 | $ 1,030,000 | $ 257,000 | $ 96,000 |
| Passaic County New Jersey | 4 | $ 540,000 | $ 135,000 | $ 82,000 |
| Albany County New York | 4 | $ 500,000 | $ 125,000 | $ 51,000 |
| Kern County California | 3 | $ 705,000 | $ 235,000 | $ 130,000 |
| Merced County California | 3 | $ 775,000 | $ 258,000 | $ 82,000 |
| Napa County California | 3 | $ 825,000 | $ 275,000 | $ 136,000 |
| Ventura County California | 3 | $ 1,245,000 | $ 415,000 | $ 183,000 |
| Yolo County California | 3 | $ 1,495,000 | $ 498,000 | $ 176,000 |
| Miami-Dade County Florida | 3 | $ 1,075,000 | $ 358,000 | $ 124,000 |
| Middlesex County Massachusetts | 3 | $ 1,895,000 | $ 631,000 | $ 159,000 |
| Essex County New Jersey | 3 | $ 2,105,000 | $ 701,000 | $ 85,000 |
| Hudson County New Jersey | 3 | $ 1,005,000 | $ 335,000 | $ 129,000 |
| Philadelphia County Pennsylvania | 3 | $ 385,000 | $ 128,000 | $ 55,000 |
| Collin County Texas | 3 | $ 735,000 | $ 245,000 | $ 139,000 |
| Marin County California | 2 | $ 1,550,000 | $ 775,000 | $ 225,000 |
| Monterey County California | 2 | $ 3,400,000 | $ 1,700,000 | $ 508,000 |
| Placer County California | 2 | $ 1,040,000 | $ 520,000 | $ 170,000 |
| Santa Barbara County California | 2 | $ 690,000 | $ 345,000 | $ 186,000 |
| New Castle County Delaware | 2 | $ 360,000 | $ 180,000 | $ 64,000 |
| Osceola County Florida | 2 | $ 360,000 | $ 180,000 | $ 96,000 |
| Norfolk County Massachusetts | 2 | $ 420,000 | $ 210,000 | $ 144,000 |
| Macomb County Michigan | 2 | $ 270,000 | $ 135,000 | $ 75,000 |
| Mercer County New Jersey | 2 | $ 390,000 | $ 195,000 | $ 151,000 |
| Rockland County New York | 2 | $ 290,000 | $ 145,000 | $ 65,000 |
| Schenectady County New York | 2 | $ 210,000 | $ 105,000 | $ 49,000 |
| Westchester County New York | 2 | $ 870,000 | $ 435,000 | $ 133,000 |
| Fort Bend County Texas | 2 | $ 770,000 | $ 385,000 | $ 146,000 |
| Pierce County Washington | 2 | $ 450,000 | $ 225,000 | $ 189,000 |
| Fresno County California | 1 | $ 195,000 | $ 195,000 | $ 58,000 |
| San Benito County California | 1 | $ 365,000 | $ 365,000 | $ 144,000 |
| Santa Cruz County California | 1 | $ 325,000 | $ 325,000 | $ 119,000 |
| Hartford County Connecticut | 1 | $ 205,000 | $ 205,000 | $ 108,000 |
| Sussex County Delaware | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
| Hernando County Florida | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Lee County Florida | 1 | $ 125,000 | $ 125,000 | $ 144,000 |
| Orange County Florida | 1 | $ 175,000 | $ 175,000 | $ 144,000 |
| Pinellas County Florida | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Gwinnett County Georgia | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Cook County Illinois | 1 | $ 235,000 | $ 235,000 | $ 84,000 |
| Hamilton County Indiana | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Hendricks County Indiana | 1 | $ 165,000 | $ 165,000 | $ 108,000 |
| St. Joseph County Indiana | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Baltimore County Maryland | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Charles County Maryland | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Wicomico County Maryland | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Suffolk County Massachusetts | 1 | $ 645,000 | $ 645,000 | $ 240,000 |
| Worcester County Massachusetts | 1 | $ 255,000 | $ 255,000 | $ 107,000 |
| Genesee County Michigan | 1 | $ 205,000 | $ 205,000 | $ 114,000 |
| Washtenaw County Michigan | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Jackson County Missouri | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Clark County Nevada | 1 | $ 125,000 | $ 125,000 | $ 156,000 |
| Rockingham County New Hampshire | 1 | $ 235,000 | $ 235,000 | $ 66,000 |
| Bergen County New Jersey | 1 | $ 1,015,000 | $ 1,015,000 | $ 264,000 |
| Camden County New Jersey | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Somerset County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Union County New Jersey | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| Putnam County New York | 1 | $ 225,000 | $ 225,000 | $ 102,000 |
| Ulster County New York | 1 | $ 145,000 | $ 145,000 | $ 117,000 |
| Brunswick County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 867,000 |
| Henderson County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Delaware County Ohio | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| Klamath County Oregon | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Multnomah County Oregon | 1 | $ 345,000 | $ 345,000 | $ 312,000 |
| Tillamook County Oregon | 1 | $ 205,000 | $ 205,000 | $ 952,000 |
| Beaufort County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Davidson County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 84,000 |
| Harris County Texas | 1 | $ 175,000 | $ 175,000 | $ 102,000 |
| Montgomery County Texas | 1 | $ 185,000 | $ 185,000 | $ 703,000 |
| Henrico County Virginia | 1 | $ 275,000 | $ 275,000 | $ 84,000 |
| Lynchburg County Virginia | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Berkeley County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Milwaukee County Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Washburn County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Sterling Bank And Trust, Fsb in 2018
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 | 2,560 | $1,512,070,000 | $590,000 | $5,005,000 | $206,000 | $9,000,000 |
| Cash-out Refinancing | 203 | $126,365,000 | $622,000 | $10,075,000 | $235,000 | $3,531,000 |
| Refinancing | 196 | $111,940,000 | $571,000 | $3,825,000 | $265,000 | $2,225,000 |
| Other Purpose | 127 | $79,685,000 | $627,000 | $6,005,000 | $325,000 | $3,600,000 |
| Home Improvement | 44 | $25,450,000 | $578,000 | $1,995,000 | $239,000 | $960,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Asian | 2,745 | $1,616,075,000 | $588,000 | $6,005,000 | $212,000 | $9,000,000 |
| White | 253 | $152,265,000 | $601,000 | $3,525,000 | $290,000 | $3,531,000 |
| Hispanic | 60 | $32,480,000 | $541,000 | $6,005,000 | $194,000 | $1,800,000 |
| Not Provided | 42 | $20,990,000 | $499,000 | $1,675,000 | $181,000 | $702,000 |
| Black or African American | 14 | $4,950,000 | $353,000 | $845,000 | $109,000 | $366,000 |
| Not applicable | 12 | $26,260,000 | $2,188,000 | $10,075,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $1,405,000 | $468,000 | $635,000 | $125,000 | $207,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $1,085,000 | $1,085,000 | $1,085,000 | $234,000 | $234,000 |
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) | 3,103 | $1,848,455,000 | $595,000 | $10,075,000 | $218,000 | $9,000,000 |
| FHA-insured (Federal Housing Administration) | 22 | $5,320,000 | $241,000 | $585,000 | $60,000 | $136,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,735,000 | $347,000 | $425,000 | $62,000 | $82,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,320 | $1,360,570,000 | $586,000 | $10,075,000 | $213,000 | $9,000,000 |
| Application Approved But Not Accepted | 355 | $232,035,000 | $653,000 | $6,005,000 | $242,000 | $1,813,000 |
| Application Withdrawn By Applicant | 175 | $107,605,000 | $614,000 | $3,505,000 | $235,000 | $1,528,000 |
| File Closed For Incompleteness | 81 | $51,965,000 | $641,000 | $1,775,000 | $308,000 | $3,531,000 |
| Application Denied By Financial Institution | 81 | $57,445,000 | $709,000 | $6,005,000 | $219,000 | $1,800,000 |
| Loan Purchased By The Institution | 72 | $14,710,000 | $204,000 | $585,000 | $59,000 | $510,000 |
| Preapproval Approved but not Accepted | 37 | $26,835,000 | $725,000 | $2,705,000 | $226,000 | $800,000 |
| Preapproval Denied by Financial Institution | 9 | $4,345,000 | $482,000 | $805,000 | $142,000 | $362,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,040 | $1,793,720,000 | $590,000 | $10,075,000 | $217,000 | $9,000,000 |
| Credit History | 34 | $18,620,000 | $547,000 | $1,995,000 | $184,000 | $480,000 |
| Unverifiable Information | 20 | $12,330,000 | $616,000 | $1,885,000 | $217,000 | $1,027,000 |
| Debt-To-Income Ratio | 17 | $15,025,000 | $883,000 | $3,005,000 | $106,000 | $198,000 |
| Other | 10 | $11,190,000 | $1,119,000 | $6,005,000 | $335,000 | $1,800,000 |
| Collateral | 9 | $4,625,000 | $513,000 | $1,005,000 | $346,000 | $1,730,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sterling Bank And Trust, Fsb's 2018 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 And Trust, Fsb's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.