Sterling Capital Mortgage Co. Mortgage Lending & HMDA Data, 2003
In 2003, Sterling Capital Mortgage Co. of Houston, TX reported 56,541 mortgage applications totaling $8.4 billion. The average application was for $147,935, and applicants reported an average income of $62,168. 76% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Houston, TX (7,897), Los Angeles-Long Beach, CA (3,428) and Riverside-San Bernardino, CA (3,024) (applications in parentheses).
| Mortgage Company & Address | Sterling Capital Mortgage Co. 13100 Northwest Fwy #200 Houston, TX 77040 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 56,541 |
| Total Mortgage Loan Application Amount | $8,364,435,000 |
| Average Mortgage Loan Application Amount | $147,935 |
| Highest Mortgage Loan Application Amount | $2,240,000 |
| Average Applicant Income | $62,168 |
| Highest Applicant Income | $2,225,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sterling Capital Mortgage Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Houston, TX | 7,897 | $ 1,084,760,000 | $ 137,363 | $ 68,000 |
| Los Angeles-Long Beach, CA | 3,428 | $ 571,472,000 | $ 166,707 | $ 73,000 |
| Riverside-San Bernardino, CA | 3,024 | $ 443,229,000 | $ 146,570 | $ 62,000 |
| Las Vegas, NV-AZ | 2,473 | $ 385,301,000 | $ 155,803 | $ 58,000 |
| Austin-San Marcos, TX | 2,399 | $ 298,705,000 | $ 124,512 | $ 54,000 |
| Phoenix-Mesa, AZ | 2,338 | $ 328,076,000 | $ 140,323 | $ 51,000 |
| Tucson, AZ | 1,759 | $ 206,351,000 | $ 117,311 | $ 49,000 |
| San Diego, CA | 1,740 | $ 349,238,000 | $ 200,711 | $ 78,000 |
| Eugene-Springfield, OR | 1,737 | $ 238,895,000 | $ 137,533 | $ 43,000 |
| Seattle-Bellevue-Everett, WA | 1,468 | $ 306,129,000 | $ 208,534 | $ 67,000 |
| St. Louis, MO-IL | 1,370 | $ 164,722,000 | $ 120,235 | $ 53,000 |
| Dallas, TX | 1,119 | $ 164,468,000 | $ 146,977 | $ 64,000 |
| Bakersfield, CA | 1,082 | $ 105,594,000 | $ 97,591 | $ 50,000 |
| Shreveport-Bossier City, LA | 1,079 | $ 108,712,000 | $ 100,752 | $ 55,000 |
| Portland-Vancouver, OR-WA | 1,059 | $ 166,891,000 | $ 157,593 | $ 56,000 |
| Flagstaff, AZ-UT | 1,031 | $ 144,895,000 | $ 140,538 | $ 61,000 |
| Denver, CO | 1,020 | $ 195,708,000 | $ 191,870 | $ 66,000 |
| San Antonio, TX | 872 | $ 117,871,000 | $ 135,173 | $ 68,000 |
| Fort Worth-Arlington, TX | 852 | $ 114,028,000 | $ 133,835 | $ 64,000 |
| Colorado Springs, CO | 767 | $ 120,452,000 | $ 157,043 | $ 50,000 |
| Chico-Paradise, CA | 753 | $ 117,019,000 | $ 155,403 | $ 70,000 |
| Salinas, CA | 742 | $ 145,491,000 | $ 196,079 | $ 68,000 |
| Yuba City, CA | 740 | $ 107,834,000 | $ 145,721 | $ 57,000 |
| Galveston-Texas City, TX | 675 | $ 92,840,000 | $ 137,540 | $ 67,000 |
| Santa Rosa, CA | 632 | $ 118,349,000 | $ 187,261 | $ 65,000 |
| Sacramento, CA | 625 | $ 109,240,000 | $ 174,784 | $ 67,000 |
| Orange County, CA | 607 | $ 132,832,000 | $ 218,833 | $ 83,000 |
| Louisville, KY-IN | 573 | $ 66,390,000 | $ 115,863 | $ 46,000 |
| Oakland, CA | 476 | $ 103,908,000 | $ 218,294 | $ 94,000 |
| Stockton-Lodi, CA | 460 | $ 68,720,000 | $ 149,391 | $ 60,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 385 | $ 54,596,000 | $ 141,807 | $ 54,000 |
| Sherman-Denison, TX | 382 | $ 36,619,000 | $ 95,861 | $ 41,000 |
| Brazoria, TX | 329 | $ 53,445,000 | $ 162,446 | $ 80,000 |
| Chicago, IL | 324 | $ 53,092,000 | $ 163,864 | $ 74,000 |
| El Paso, TX | 310 | $ 25,611,000 | $ 82,616 | $ 47,000 |
| Atlanta, GA | 285 | $ 63,013,000 | $ 221,098 | $ 110,000 |
| Fresno, CA | 272 | $ 31,014,000 | $ 114,022 | $ 56,000 |
| Lawrence, KS | 265 | $ 32,607,000 | $ 123,045 | $ 77,000 |
| Tampa-St. Petersburg-Clearwater, FL | 252 | $ 31,513,000 | $ 125,051 | $ 61,000 |
| Corvallis, OR | 236 | $ 35,358,000 | $ 149,822 | $ 63,000 |
| Olympia, WA | 214 | $ 30,116,000 | $ 140,728 | $ 53,000 |
| Tacoma, WA | 206 | $ 34,803,000 | $ 168,946 | $ 62,000 |
| Merced, CA | 150 | $ 18,764,000 | $ 125,093 | $ 73,000 |
| Modesto, CA | 143 | $ 22,069,000 | $ 154,328 | $ 57,000 |
| Vallejo-Fairfield-Napa, CA | 129 | $ 26,253,000 | $ 203,511 | $ 86,000 |
| Fort Collins-Loveland, CO | 125 | $ 22,318,000 | $ 178,544 | $ 68,000 |
| Santa Cruz-Watsonville, CA | 111 | $ 24,187,000 | $ 217,900 | $ 75,000 |
| San Francisco, CA | 110 | $ 31,766,000 | $ 288,781 | $ 101,000 |
| Boulder-Longmont, CO | 94 | $ 17,026,000 | $ 181,127 | $ 66,000 |
| Ventura, CA | 94 | $ 24,836,000 | $ 264,212 | $ 116,000 |
| Corpus Christi, TX | 77 | $ 7,336,000 | $ 95,272 | $ 53,000 |
| Bryan-College Station, TX | 73 | $ 7,976,000 | $ 109,260 | $ 55,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 64 | $ 13,514,000 | $ 211,156 | $ 77,000 |
| San Jose, CA | 59 | $ 15,944,000 | $ 270,237 | $ 98,000 |
| Salem, OR | 45 | $ 6,512,000 | $ 144,711 | $ 61,000 |
| Tyler, TX | 34 | $ 3,415,000 | $ 100,441 | $ 47,000 |
| Visalia-Tulare-Porterville, CA | 34 | $ 3,607,000 | $ 106,088 | $ 42,000 |
| Longview-Marshall, TX | 29 | $ 2,383,000 | $ 82,172 | $ 47,000 |
| Spokane, WA | 28 | $ 3,263,000 | $ 116,535 | $ 52,000 |
| Reno, NV | 27 | $ 4,885,000 | $ 180,925 | $ 90,000 |
| Honolulu, HI | 26 | $ 5,621,000 | $ 216,192 | $ 74,000 |
| Yolo, CA | 26 | $ 5,814,000 | $ 223,615 | $ 120,000 |
| Bellingham, WA | 24 | $ 4,032,000 | $ 168,000 | $ 92,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 23 | $ 3,885,000 | $ 168,913 | $ 78,000 |
| Bremerton, WA | 22 | $ 4,180,000 | $ 190,000 | $ 68,000 |
| Medford-Ashland, OR | 22 | $ 3,361,000 | $ 152,772 | $ 46,000 |
| Yuma, AZ | 21 | $ 2,126,000 | $ 101,238 | $ 53,000 |
| Greeley, CO | 20 | $ 3,117,000 | $ 155,850 | $ 56,000 |
| McAllen-Edinburg-Mission, TX | 20 | $ 3,496,000 | $ 174,800 | $ 122,000 |
| Richland-Kennewick-Pasco, WA | 18 | $ 2,338,000 | $ 129,888 | $ 46,000 |
| Albuquerque, NM | 16 | $ 1,867,000 | $ 116,687 | $ 134,000 |
| Yakima, WA | 16 | $ 4,981,000 | $ 311,312 | $ 47,000 |
| Boise City, ID | 14 | $ 1,911,000 | $ 136,500 | $ 61,000 |
| Redding, CA | 14 | $ 2,222,000 | $ 158,714 | $ 60,000 |
| New Orleans, LA | 13 | $ 1,077,000 | $ 82,846 | $ 48,000 |
| Richmond-Petersburg, VA | 13 | $ 2,366,000 | $ 182,000 | $ 92,000 |
| Killeen-Temple, TX | 12 | $ 1,180,000 | $ 98,333 | $ 51,000 |
| Salt Lake City-Ogden, UT | 12 | $ 2,271,000 | $ 189,250 | $ 76,000 |
| Beaumont-Port Arthur, TX | 11 | $ 1,136,000 | $ 103,272 | $ 82,000 |
| Pueblo, CO | 10 | $ 1,373,000 | $ 137,300 | $ 46,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 9 | $ 1,988,000 | $ 220,888 | $ 103,000 |
| Waco, TX | 9 | $ 1,031,000 | $ 114,555 | $ 51,000 |
| Kansas City, MO-KS | 8 | $ 1,015,000 | $ 126,875 | $ 61,000 |
| Naples, FL | 8 | $ 1,230,000 | $ 153,750 | $ 111,000 |
| Jacksonville, FL | 7 | $ 674,000 | $ 96,285 | $ 55,000 |
| Fort Lauderdale, FL | 6 | $ 1,765,000 | $ 294,166 | $ 215,000 |
| Lafayette, LA | 6 | $ 627,000 | $ 104,500 | $ 40,000 |
| Wichita, KS | 6 | $ 513,000 | $ 85,500 | $ 69,000 |
| Baton Rouge, LA | 5 | $ 771,000 | $ 154,200 | $ 113,000 |
| Biloxi-Gulfport-Pascagoula, MS | 5 | $ 295,000 | $ 59,000 | $ 39,000 |
| Amarillo, TX | 4 | $ 397,000 | $ 99,250 | $ 98,000 |
| Grand Junction, CO | 4 | $ 439,000 | $ 109,750 | $ 52,000 |
| Las Cruces, NM | 4 | $ 430,000 | $ 107,500 | $ 56,000 |
| Lubbock, TX | 4 | $ 244,000 | $ 61,000 | $ 124,000 |
| Orlando, FL | 4 | $ 351,000 | $ 87,750 | $ 62,000 |
| Birmingham, AL | 3 | $ 480,000 | $ 160,000 | $ 107,000 |
| Brownsville-Harlingen-San Benito, TX | 3 | $ 759,000 | $ 253,000 | $ 94,000 |
| Daytona Beach, FL | 3 | $ 231,000 | $ 77,000 | $ 297,000 |
| Lake Charles, LA | 3 | $ 277,000 | $ 92,333 | $ 47,000 |
| Laredo, TX | 3 | $ 330,000 | $ 110,000 | $ 43,000 |
| Lexington, KY | 3 | $ 471,000 | $ 157,000 | $ 57,000 |
| Odessa-Midland, TX | 3 | $ 468,000 | $ 156,000 | $ 87,000 |
| Tulsa, OK | 3 | $ 456,000 | $ 152,000 | $ 123,000 |
| Champaign-Urbana, IL | 2 | $ 155,000 | $ 77,500 | $ 53,000 |
| Columbia, SC | 2 | $ 363,000 | $ 181,500 | $ 64,000 |
| Fort Myers-Cape Coral, FL | 2 | $ 223,000 | $ 111,500 | $ 57,000 |
| Fort Walton Beach, FL | 2 | $ 128,000 | $ 64,000 | $ 62,000 |
| Gary, IN | 2 | $ 276,000 | $ 138,000 | $ 88,000 |
| Greensboro--Winston-Salem--High Point, NC | 2 | $ 458,000 | $ 229,000 | $ 162,000 |
| Greenville-Spartanburg-Anderson, SC | 2 | $ 354,000 | $ 177,000 | $ 108,000 |
| Little Rock-North Little Rock, AR | 2 | $ 296,000 | $ 148,000 | $ 137,000 |
| Melbourne-Titusville-Palm Bay, FL | 2 | $ 194,000 | $ 97,000 | $ 0 |
| Miami, FL | 2 | $ 254,000 | $ 127,000 | $ 100,000 |
| Minneapolis-St. Paul, MN-WI | 2 | $ 170,000 | $ 85,000 | $ 34,000 |
| Monroe, LA | 2 | $ 258,000 | $ 129,000 | $ 35,000 |
| Oklahoma City, OK | 2 | $ 170,000 | $ 85,000 | $ 29,000 |
| Owensboro, KY | 2 | $ 175,000 | $ 87,500 | $ 29,000 |
| Rockford, IL | 2 | $ 259,000 | $ 129,500 | $ 52,000 |
| San Angelo, TX | 2 | $ 279,000 | $ 139,500 | $ 162,000 |
| Santa Fe, NM | 2 | $ 392,000 | $ 196,000 | $ 44,000 |
| Sarasota-Bradenton, FL | 2 | $ 270,000 | $ 135,000 | $ 54,000 |
| Springfield, MO | 2 | $ 264,000 | $ 132,000 | $ 54,000 |
| Topeka, KS | 2 | $ 158,000 | $ 79,000 | $ 38,000 |
| Akron, OH | 1 | $ 532,000 | $ 532,000 | $ 179,000 |
| Bloomington, IN | 1 | $ 114,000 | $ 114,000 | $ 51,000 |
| Bloomington-Normal, IL | 1 | $ 92,000 | $ 92,000 | $ 39,000 |
| Charleston-North Charleston, SC | 1 | $ 150,000 | $ 150,000 | $ 91,000 |
| Cheyenne, WY | 1 | $ 120,000 | $ 120,000 | $ 29,000 |
| Decatur, IL | 1 | $ 88,000 | $ 88,000 | $ 44,000 |
| Fayetteville, NC | 1 | $ 62,000 | $ 62,000 | $ 41,000 |
| Indianapolis, IN | 1 | $ 236,000 | $ 236,000 | $ 192,000 |
| Jonesboro, AR | 1 | $ 133,000 | $ 133,000 | $ 60,000 |
| Kankakee, IL | 1 | $ 88,000 | $ 88,000 | $ 58,000 |
| Lafayette, IN | 1 | $ 290,000 | $ 290,000 | $ 118,000 |
| Lincoln, NE | 1 | $ 160,000 | $ 160,000 | $ 84,000 |
| Macon, GA | 1 | $ 10,000 | $ 10,000 | $ 54,000 |
| Mobile, AL | 1 | $ 131,000 | $ 131,000 | $ 79,000 |
| New London-Norwich, CT-RI | 1 | $ 192,000 | $ 192,000 | $ 58,000 |
| Ocala, FL | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
| Peoria-Pekin, IL | 1 | $ 134,000 | $ 134,000 | $ 82,000 |
| Philadelphia, PA-NJ | 1 | $ 50,000 | $ 50,000 | $ 125,000 |
| Provo-Orem, UT | 1 | $ 144,000 | $ 144,000 | $ 51,000 |
| Raleigh-Durham-Chapel Hill, NC | 1 | $ 126,000 | $ 126,000 | $ 59,000 |
| Roanoke, VA | 1 | $ 121,000 | $ 121,000 | $ 45,000 |
| Savannah, GA | 1 | $ 189,000 | $ 189,000 | $ 180,000 |
| Sumter, SC | 1 | $ 128,000 | $ 128,000 | $ 104,000 |
| Victoria, TX | 1 | $ 83,000 | $ 83,000 | $ 72,000 |
| West Palm Beach-Boca Raton, FL | 1 | $ 94,000 | $ 94,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Sterling Capital Mortgage Co. in 2003
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 (one-to-four family) | 31,994 | $4,540,949,000 | $145,833 | $1,700,000 | $64,600 | $2,096,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 24,547 | $3,823,486,000 | $151,588 | $2,240,000 | $78,470 | $2,225,000 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 |
|---|---|---|---|---|---|---|
| White | 34,271 | $5,042,746,000 | $153,861 | $2,240,000 | $79,166 | $2,225,000 |
| Information not provided by applicant in mail or telephone application | 10,724 | $1,719,034,000 | $147,107 | $1,300,000 | $63,785 | $1,800,000 |
| Hispanic | 7,159 | $942,419,000 | $130,900 | $758,000 | $52,400 | $964,000 |
| Black | 2,156 | $283,707,000 | $136,000 | $698,000 | $60,100 | $420,000 |
| Asian or Pacific Islander | 1,659 | $284,965,000 | $159,842 | $745,000 | $68,210 | $720,000 |
| Other | 446 | $72,773,000 | $156,428 | $1,500,000 | $71,857 | $1,325,000 |
| American Indian or Alaskan Native | 126 | $18,791,000 | $134,000 | $440,000 | $66,454 | $389,000 |
| 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) | 45,291 | $6,901,901,000 | $151,542 | $2,240,000 | $79,514 | $2,225,000 |
| FHA-insured (Federal Housing Administration) | 9,345 | $1,189,665,000 | $123,772 | $369,000 | $42,363 | $600,000 |
| VA-guaranteed (Veterans Administration) | 1,861 | $270,190,000 | $137,285 | $285,000 | $42,523 | $195,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $2,679,000 | $98,200 | $217,000 | $38,000 | $62,000 |
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 | 43,175 | $6,369,190,000 | $155,866 | $1,121,000 | $76,666 | $2,225,000 |
| Application Approved But Not Accepted | 6,317 | $985,739,000 | $147,233 | $1,500,000 | $67,900 | $1,327,000 |
| Application Denied By Financial Institution | 3,533 | $483,958,000 | $148,111 | $2,240,000 | $63,296 | $720,000 |
| Application Withdrawn By Applicant | 3,515 | $525,498,000 | $139,958 | $1,700,000 | $77,500 | $756,000 |
| File Closed For Incompleteness | 1 | $50,000 | $50,000 | $50,000 | $19,000 | $19,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sterling Capital Mortgage Co.'s 2003 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 Capital Mortgage Co.'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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