Sterling Bank And Trust, Fsb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Sterling Bank And Trust, Fsb 2019 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 | 2,792 |
| Total Mortgage Loan Application Amount | $1,659,660,000 |
| Average Mortgage Loan Application Amount | $569,200 |
| Highest Mortgage Loan Application Amount | $5,925,000 |
| Average Applicant Income | $223,200 |
| Highest Applicant Income | $9,816,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 434 | $ 286,640,000 | $ 660,000 | $ 243,000 |
| Orange County California | 342 | $ 276,920,000 | $ 809,000 | $ 327,000 |
| San Francisco County California | 328 | $ 256,250,000 | $ 781,000 | $ 279,000 |
| San Bernardino County California | 253 | $ 85,865,000 | $ 339,000 | $ 127,000 |
| Alameda County California | 203 | $ 100,525,000 | $ 495,000 | $ 170,000 |
| Queens County New York | 182 | $ 84,460,000 | $ 464,000 | $ 136,000 |
| San Mateo County California | 123 | $ 105,095,000 | $ 854,000 | $ 298,000 |
| Santa Clara County California | 99 | $ 73,895,000 | $ 746,000 | $ 269,000 |
| Riverside County California | 98 | $ 32,210,000 | $ 328,000 | $ 122,000 |
| Contra Costa County California | 86 | $ 35,910,000 | $ 417,000 | $ 154,000 |
| Kings County New York | 67 | $ 40,165,000 | $ 599,000 | $ 177,000 |
| Richmond County New York | 57 | $ 22,825,000 | $ 400,000 | $ 102,000 |
| Nassau County New York | 55 | $ 24,615,000 | $ 447,000 | $ 158,000 |
| Sacramento County California | 33 | $ 9,095,000 | $ 275,000 | $ 119,000 |
| Oakland County Michigan | 30 | $ 6,200,000 | $ 206,000 | $ 69,000 |
| King County Washington | 27 | $ 11,785,000 | $ 436,000 | $ 177,000 |
| New York County New York | 20 | $ 21,190,000 | $ 1,059,000 | $ 476,000 |
| Suffolk County New York | 19 | $ 6,215,000 | $ 327,000 | $ 139,000 |
| Solano County California | 17 | $ 6,215,000 | $ 365,000 | $ 99,000 |
| San Diego County California | 15 | $ 8,565,000 | $ 571,000 | $ 150,000 |
| San Joaquin County California | 13 | $ 4,445,000 | $ 341,000 | $ 109,000 |
| Stanislaus County California | 9 | $ 2,845,000 | $ 316,000 | $ 129,000 |
| Bergen County New Jersey | 9 | $ 3,855,000 | $ 428,000 | $ 156,000 |
| Tehama County California | 6 | $ 1,230,000 | $ 205,000 | $ 101,000 |
| Marin County California | 5 | $ 3,375,000 | $ 675,000 | $ 194,000 |
| Placer County California | 5 | $ 2,255,000 | $ 451,000 | $ 197,000 |
| Yolo County California | 5 | $ 1,615,000 | $ 323,000 | $ 147,000 |
| Middlesex County New Jersey | 5 | $ 1,335,000 | $ 267,000 | $ 114,000 |
| Bronx County New York | 5 | $ 9,175,000 | $ 1,835,000 | $ 137,000 |
| Clark County Nevada | 4 | $ 1,020,000 | $ 255,000 | $ 134,000 |
| Albany County New York | 4 | $ 740,000 | $ 185,000 | $ 72,000 |
| Westchester County New York | 4 | $ 970,000 | $ 242,000 | $ 135,000 |
| Pierce County Washington | 4 | $ 1,460,000 | $ 365,000 | $ 96,000 |
| Kern County California | 3 | $ 685,000 | $ 228,000 | $ 80,000 |
| Napa County California | 3 | $ 1,185,000 | $ 395,000 | $ 105,000 |
| Santa Barbara County California | 3 | $ 1,345,000 | $ 448,000 | $ 225,000 |
| Shasta County California | 3 | $ 505,000 | $ 168,000 | $ 98,000 |
| Osceola County Florida | 3 | $ 775,000 | $ 258,000 | $ 189,000 |
| Cook County Illinois | 3 | $ 925,000 | $ 308,000 | $ 120,000 |
| Macomb County Michigan | 3 | $ 465,000 | $ 155,000 | $ 86,000 |
| Hudson County New Jersey | 3 | $ 1,075,000 | $ 358,000 | $ 123,000 |
| Somerset County New Jersey | 3 | $ 685,000 | $ 228,000 | $ 75,000 |
| Rockland County New York | 3 | $ 5,445,000 | $ 1,815,000 | $ 198,000 |
| Marion County Oregon | 3 | $ 1,175,000 | $ 391,000 | $ 127,000 |
| Philadelphia County Pennsylvania | 3 | $ 485,000 | $ 161,000 | $ 66,000 |
| Collin County Texas | 3 | $ 535,000 | $ 178,000 | $ 156,000 |
| Snohomish County Washington | 3 | $ 805,000 | $ 268,000 | $ 166,000 |
| Madera County California | 2 | $ 330,000 | $ 165,000 | $ 120,000 |
| Santa Cruz County California | 2 | $ 630,000 | $ 315,000 | $ 150,000 |
| Tulare County California | 2 | $ 560,000 | $ 280,000 | $ 86,000 |
| Yuba County California | 2 | $ 390,000 | $ 195,000 | $ 51,000 |
| Fairfield County Connecticut | 2 | $ 670,000 | $ 335,000 | $ 132,000 |
| New Castle County Delaware | 2 | $ 350,000 | $ 175,000 | $ 60,000 |
| Miami-Dade County Florida | 2 | $ 380,000 | $ 190,000 | $ 78,000 |
| Orange County Florida | 2 | $ 410,000 | $ 205,000 | $ 88,000 |
| Union County New Jersey | 2 | $ 430,000 | $ 215,000 | $ 73,000 |
| Saratoga County New York | 2 | $ 590,000 | $ 295,000 | $ 123,000 |
| Wake County North Carolina | 2 | $ 370,000 | $ 185,000 | $ 101,000 |
| Kent County Rhode Island | 2 | $ 430,000 | $ 215,000 | $ 102,000 |
| Providence County Rhode Island | 2 | $ 430,000 | $ 215,000 | $ 75,000 |
| Denton County Texas | 2 | $ 630,000 | $ 315,000 | $ 144,000 |
| Fort Bend County Texas | 2 | $ 310,000 | $ 155,000 | $ 233,000 |
| Harris County Texas | 2 | $ 300,000 | $ 150,000 | $ 44,000 |
| Lewis County Washington | 2 | $ 400,000 | $ 200,000 | $ 90,000 |
| Covington County Alabama | 1 | $ 355,000 | $ 355,000 | $ 96,000 |
| Maricopa County Arizona | 1 | $ 185,000 | $ 185,000 | $ 138,000 |
| Colusa County California | 1 | $ 315,000 | $ 315,000 | $ 130,000 |
| Fresno County California | 1 | $ 155,000 | $ 155,000 | $ 24,000 |
| Merced County California | 1 | $ 115,000 | $ 115,000 | $ 157,000 |
| Monterey County California | 1 | $ 325,000 | $ 325,000 | $ 92,000 |
| Sonoma County California | 1 | $ 145,000 | $ 145,000 | $ 359,000 |
| Ventura County California | 1 | $ 395,000 | $ 395,000 | $ 300,000 |
| New London County Connecticut | 1 | $ 405,000 | $ 405,000 | $ 132,000 |
| Brevard County Florida | 1 | $ 95,000 | $ 95,000 | $ 66,000 |
| Escambia County Florida | 1 | $ 485,000 | $ 485,000 | $ 80,000 |
| Lee County Florida | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Pasco County Florida | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Gwinnett County Georgia | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Johnson County Indiana | 1 | $ 145,000 | $ 145,000 | $ 78,000 |
| Tippecanoe County Indiana | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Lafayette County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Frederick County Maryland | 1 | $ 175,000 | $ 175,000 | $ 41,000 |
| Middlesex County Massachusetts | 1 | $ 515,000 | $ 515,000 | $ 256,000 |
| Grand Traverse County Michigan | 1 | $ 175,000 | $ 175,000 | $ 78,000 |
| Newaygo County Michigan | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Wayne County Michigan | 1 | $ 375,000 | $ 375,000 | $ 63,000 |
| Anoka County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| Hillsborough County New Hampshire | 1 | $ 255,000 | $ 255,000 | $ 78,000 |
| Essex County New Jersey | 1 | $ 275,000 | $ 275,000 | $ 94,000 |
| Ocean County New Jersey | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| Dona Ana County New Mexico | 1 | $ 185,000 | $ 185,000 | $ 78,000 |
| Dutchess County New York | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Onondaga County New York | 1 | $ 195,000 | $ 195,000 | $ 228,000 |
| Orange County New York | 1 | $ 155,000 | $ 155,000 | $ 96,000 |
| Ulster County New York | 1 | $ 195,000 | $ 195,000 | $ 96,000 |
| Guilford County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Cuyahoga County Ohio | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Warren County Ohio | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Lane County Oregon | 1 | $ 275,000 | $ 275,000 | $ 68,000 |
| Washington County Oregon | 1 | $ 255,000 | $ 255,000 | $ 190,000 |
| Yamhill County Oregon | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Blount County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 94,000 |
| Sumner County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Dallas County Texas | 1 | $ 215,000 | $ 215,000 | $ 144,000 |
| Gregg County Texas | 1 | $ 185,000 | $ 185,000 | $ 63,000 |
| Tarrant County Texas | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Utah County Utah | 1 | $ 175,000 | $ 175,000 | $ 66,000 |
| Arlington County Virginia | 1 | $ 605,000 | $ 605,000 | $ 180,000 |
| Chesterfield County Virginia | 1 | $ 215,000 | $ 215,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Sterling Bank And Trust, Fsb in 2019
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 | 1,974 | $1,176,860,000 | $596,000 | $5,925,000 | $213,000 | $9,816,000 |
| Refinancing | 448 | $262,680,000 | $586,000 | $5,505,000 | $215,000 | $1,500,000 |
| Cash-out Refinancing | 239 | $149,305,000 | $624,000 | $5,005,000 | $192,000 | $1,500,000 |
| Other Purpose | 98 | $54,950,000 | $560,000 | $3,505,000 | $306,000 | $2,142,000 |
| Home Improvement | 33 | $15,865,000 | $480,000 | $1,265,000 | $190,000 | $720,000 |
| 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 | 2,316 | $1,357,800,000 | $586,000 | $5,925,000 | $216,000 | $9,816,000 |
| White | 331 | $198,385,000 | $599,000 | $5,005,000 | $214,000 | $1,200,000 |
| Not Provided | 59 | $44,535,000 | $754,000 | $5,505,000 | $227,000 | $1,080,000 |
| Hispanic | 51 | $22,085,000 | $433,000 | $1,195,000 | $126,000 | $320,000 |
| Not applicable | 13 | $24,915,000 | $1,916,000 | $4,805,000 | $0 | $0 |
| Black or African American | 11 | $4,045,000 | $367,000 | $675,000 | $124,000 | $315,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $2,890,000 | $722,000 | $1,085,000 | $194,000 | $234,000 |
| American Indian or Alaskan Native | 4 | $3,370,000 | $842,000 | $1,235,000 | $308,000 | $488,000 |
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) | 2,749 | $1,647,615,000 | $599,000 | $5,925,000 | $216,000 | $9,816,000 |
| FHA-insured (Federal Housing Administration) | 21 | $5,445,000 | $259,000 | $455,000 | $65,000 | $109,000 |
| VA-guaranteed (Veterans Administration) | 20 | $6,310,000 | $315,000 | $505,000 | $75,000 | $136,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $290,000 | $145,000 | $155,000 | $45,000 | $46,000 |
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 | 1,752 | $1,003,870,000 | $572,000 | $5,925,000 | $208,000 | $9,816,000 |
| Application Approved But Not Accepted | 418 | $245,840,000 | $588,000 | $4,305,000 | $228,000 | $3,000,000 |
| Application Withdrawn By Applicant | 196 | $134,000,000 | $683,000 | $4,265,000 | $264,000 | $2,400,000 |
| Application Denied By Financial Institution | 136 | $92,870,000 | $682,000 | $5,005,000 | $197,000 | $1,500,000 |
| Preapproval Approved but not Accepted | 100 | $93,530,000 | $935,000 | $5,005,000 | $316,000 | $1,800,000 |
| File Closed For Incompleteness | 96 | $58,140,000 | $605,000 | $5,505,000 | $194,000 | $1,080,000 |
| Loan Purchased By The Institution | 86 | $25,780,000 | $299,000 | $605,000 | $86,000 | $426,000 |
| Preapproval Denied by Financial Institution | 8 | $5,630,000 | $703,000 | $1,605,000 | $177,000 | $420,000 |
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 | 2,648 | $1,561,160,000 | $589,000 | $5,925,000 | $215,000 | $9,816,000 |
| Debt-To-Income Ratio | 45 | $31,295,000 | $695,000 | $5,005,000 | $114,000 | $384,000 |
| Unverifiable Information | 33 | $17,265,000 | $523,000 | $1,605,000 | $189,000 | $510,000 |
| Credit History | 21 | $16,445,000 | $783,000 | $2,135,000 | $246,000 | $959,000 |
| Other | 17 | $12,515,000 | $736,000 | $4,685,000 | $256,000 | $1,500,000 |
| Collateral | 17 | $11,225,000 | $660,000 | $3,605,000 | $249,000 | $1,500,000 |
| Credit Application Incomplete | 9 | $7,335,000 | $815,000 | $3,005,000 | $249,000 | $780,000 |
| Employment History | 1 | $425,000 | $425,000 | $425,000 | $161,000 | $161,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,995,000 | $1,995,000 | $1,995,000 | $680,000 | $680,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sterling Bank And Trust, Fsb's 2019 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.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.