Sterling National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Sterling National Bank 2012 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 National Bank 98 Cuttermill Road Great Neck, NY 11021 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 |
| Total Number of Mortgage Applications | 2,064 |
| Total Mortgage Loan Application Amount | $681,416,000 |
| Average Mortgage Loan Application Amount | $350,000 |
| Highest Mortgage Loan Application Amount | $2,170,000 |
| Average Applicant Income | $154,333 |
| Highest Applicant Income | $2,254,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Sterling National Bank. 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 National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Sterling National Bank'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 National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Sterling National Bank, 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 National Bank's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nassau County New York | 375 | $ 136,218,000 | $ 363,000 | $ 165,000 |
| Kings County New York | 307 | $ 129,691,000 | $ 422,000 | $ 162,000 |
| Suffolk County New York | 247 | $ 84,236,000 | $ 341,000 | $ 173,000 |
| Queens County New York | 192 | $ 60,056,000 | $ 312,000 | $ 109,000 |
| New York County New York | 112 | $ 47,815,000 | $ 426,000 | $ 247,000 |
| Westchester County New York | 79 | $ 30,422,000 | $ 385,000 | $ 173,000 |
| New Haven County Connecticut | 64 | $ 12,663,000 | $ 197,000 | $ 75,000 |
| Hartford County Connecticut | 51 | $ 9,182,000 | $ 180,000 | $ 79,000 |
| Fairfield County Connecticut | 30 | $ 8,853,000 | $ 295,000 | $ 123,000 |
| Middlesex County Connecticut | 27 | $ 5,551,000 | $ 205,000 | $ 86,000 |
| Bergen County New Jersey | 26 | $ 10,923,000 | $ 420,000 | $ 204,000 |
| Richmond County New York | 25 | $ 7,584,000 | $ 303,000 | $ 135,000 |
| Bronx County New York | 19 | $ 6,530,000 | $ 343,000 | $ 122,000 |
| Essex County New Jersey | 17 | $ 5,332,000 | $ 313,000 | $ 138,000 |
| Palm Beach County Florida | 15 | $ 3,675,000 | $ 245,000 | $ 188,000 |
| Middlesex County Massachusetts | 15 | $ 4,478,000 | $ 298,000 | $ 102,000 |
| Monmouth County New Jersey | 14 | $ 3,917,000 | $ 279,000 | $ 129,000 |
| Morris County New Jersey | 11 | $ 4,076,000 | $ 370,000 | $ 158,000 |
| Rockland County New York | 11 | $ 3,183,000 | $ 289,000 | $ 127,000 |
| Union County New Jersey | 10 | $ 2,990,000 | $ 299,000 | $ 107,000 |
| Orange County New York | 10 | $ 2,560,000 | $ 256,000 | $ 136,000 |
| New London County Connecticut | 9 | $ 2,276,000 | $ 252,000 | $ 111,000 |
| Hudson County New Jersey | 9 | $ 3,339,000 | $ 371,000 | $ 168,000 |
| Middlesex County New Jersey | 9 | $ 2,576,000 | $ 286,000 | $ 91,000 |
| Broward County Florida | 8 | $ 2,147,000 | $ 268,000 | $ 111,000 |
| Los Angeles County California | 7 | $ 3,657,000 | $ 522,000 | $ 601,000 |
| Suffolk County Massachusetts | 7 | $ 2,311,000 | $ 330,000 | $ 144,000 |
| Pinellas County Florida | 6 | $ 1,135,000 | $ 189,000 | $ 117,000 |
| Plymouth County Massachusetts | 6 | $ 1,907,000 | $ 317,000 | $ 115,000 |
| Dutchess County New York | 6 | $ 1,289,000 | $ 214,000 | $ 142,000 |
| Philadelphia County Pennsylvania | 6 | $ 1,307,000 | $ 217,000 | $ 109,000 |
| Sarasota County Florida | 5 | $ 1,201,000 | $ 240,000 | $ 255,000 |
| Essex County Massachusetts | 5 | $ 1,494,000 | $ 298,000 | $ 104,000 |
| Norfolk County Massachusetts | 5 | $ 1,914,000 | $ 382,000 | $ 108,000 |
| Somerset County New Jersey | 5 | $ 1,238,000 | $ 247,000 | $ 134,000 |
| Fulton County New York | 5 | $ 798,000 | $ 159,000 | $ 98,000 |
| Fairfax County Virginia | 5 | $ 1,899,000 | $ 379,000 | $ 193,000 |
| Maricopa County Arizona | 4 | $ 909,000 | $ 227,000 | $ 120,000 |
| Anne Arundel County Maryland | 4 | $ 1,040,000 | $ 260,000 | $ 121,000 |
| Montgomery County Maryland | 4 | $ 1,353,000 | $ 338,000 | $ 182,000 |
| Worcester County Massachusetts | 4 | $ 1,052,000 | $ 263,000 | $ 203,000 |
| Clark County Nevada | 4 | $ 965,000 | $ 241,000 | $ 62,000 |
| Monroe County New York | 4 | $ 640,000 | $ 160,000 | $ 94,000 |
| Putnam County New York | 4 | $ 902,000 | $ 225,000 | $ 81,000 |
| Warren County New York | 4 | $ 619,000 | $ 154,000 | $ 110,000 |
| Loudoun County Virginia | 4 | $ 1,617,000 | $ 404,000 | $ 121,000 |
| Virginia Beach County Virginia | 4 | $ 1,185,000 | $ 296,000 | $ 98,000 |
| Alameda County California | 3 | $ 1,748,000 | $ 582,000 | $ 197,000 |
| Litchfield County Connecticut | 3 | $ 601,000 | $ 200,000 | $ 69,000 |
| New Castle County Delaware | 3 | $ 964,000 | $ 321,000 | $ 93,000 |
| Chatham County Georgia | 3 | $ 820,000 | $ 273,000 | $ 111,000 |
| Cobb County Georgia | 3 | $ 648,000 | $ 216,000 | $ 83,000 |
| Lafourche County Louisiana | 3 | $ 366,000 | $ 122,000 | $ 59,000 |
| Cecil County Maryland | 3 | $ 731,000 | $ 243,000 | $ 94,000 |
| Barnstable County Massachusetts | 3 | $ 552,000 | $ 184,000 | $ 84,000 |
| Bristol County Massachusetts | 3 | $ 897,000 | $ 299,000 | $ 109,000 |
| St. Louis County Missouri | 3 | $ 389,000 | $ 129,000 | $ 60,000 |
| Burlington County New Jersey | 3 | $ 898,000 | $ 299,000 | $ 187,000 |
| Ocean County New Jersey | 3 | $ 662,000 | $ 220,000 | $ 106,000 |
| Sussex County New Jersey | 3 | $ 914,000 | $ 304,000 | $ 153,000 |
| Bernalillo County New Mexico | 3 | $ 460,000 | $ 153,000 | $ 37,000 |
| Albany County New York | 3 | $ 819,000 | $ 273,000 | $ 85,000 |
| Columbia County New York | 3 | $ 551,000 | $ 183,000 | $ 230,000 |
| Erie County New York | 3 | $ 541,000 | $ 180,000 | $ 61,000 |
| Greene County New York | 3 | $ 683,000 | $ 227,000 | $ 244,000 |
| Clackamas County Oregon | 3 | $ 852,000 | $ 284,000 | $ 93,000 |
| Washington County Oregon | 3 | $ 572,000 | $ 190,000 | $ 70,000 |
| Luzerne County Pennsylvania | 3 | $ 525,000 | $ 175,000 | $ 74,000 |
| Montgomery County Pennsylvania | 3 | $ 906,000 | $ 302,000 | $ 124,000 |
| Providence County Rhode Island | 3 | $ 605,000 | $ 201,000 | $ 96,000 |
| Summit County Utah | 3 | $ 908,000 | $ 302,000 | $ 128,000 |
| Douglas County Colorado | 2 | $ 682,000 | $ 341,000 | $ 125,000 |
| El Paso County Colorado | 2 | $ 344,000 | $ 172,000 | $ 20,000 |
| Tolland County Connecticut | 2 | $ 377,000 | $ 188,000 | $ 72,000 |
| Windham County Connecticut | 2 | $ 324,000 | $ 162,000 | $ 73,000 |
| Kent County Delaware | 2 | $ 370,000 | $ 185,000 | $ 103,000 |
| Sussex County Delaware | 2 | $ 317,000 | $ 158,000 | $ 38,000 |
| District of Columbia County District Of Columbia | 2 | $ 646,000 | $ 323,000 | $ 78,000 |
| Hillsborough County Florida | 2 | $ 439,000 | $ 219,000 | $ 67,000 |
| Lee County Florida | 2 | $ 480,000 | $ 240,000 | $ 120,000 |
| Manatee County Florida | 2 | $ 173,000 | $ 86,000 | $ 126,000 |
| Orange County Florida | 2 | $ 400,000 | $ 200,000 | $ 88,000 |
| Polk County Florida | 2 | $ 165,000 | $ 82,000 | $ 115,000 |
| DeKalb County Georgia | 2 | $ 439,000 | $ 219,000 | $ 168,000 |
| Ada County Idaho | 2 | $ 361,000 | $ 180,000 | $ 48,000 |
| Baltimore County Maryland | 2 | $ 525,000 | $ 262,000 | $ 88,000 |
| Baltimore City County Maryland | 2 | $ 326,000 | $ 163,000 | $ 27,000 |
| Harford County Maryland | 2 | $ 261,000 | $ 130,000 | $ 50,000 |
| Prince George's County Maryland | 2 | $ 480,000 | $ 240,000 | $ 76,000 |
| Hampshire County Massachusetts | 2 | $ 639,000 | $ 319,000 | $ 85,000 |
| Hennepin County Minnesota | 2 | $ 763,000 | $ 381,000 | $ 133,000 |
| Camden County New Jersey | 2 | $ 266,000 | $ 133,000 | $ 58,000 |
| Hunterdon County New Jersey | 2 | $ 537,000 | $ 268,000 | $ 124,000 |
| Passaic County New Jersey | 2 | $ 633,000 | $ 316,000 | $ 138,000 |
| Delaware County New York | 2 | $ 371,000 | $ 185,000 | $ 43,000 |
| Schenectady County New York | 2 | $ 375,000 | $ 187,000 | $ 68,000 |
| Mecklenburg County North Carolina | 2 | $ 494,000 | $ 247,000 | $ 95,000 |
| Lane County Oregon | 2 | $ 401,000 | $ 200,000 | $ 51,000 |
| Salt Lake County Utah | 2 | $ 351,000 | $ 175,000 | $ 26,000 |
| Utah County Utah | 2 | $ 354,000 | $ 177,000 | $ 25,000 |
| Windham County Vermont | 2 | $ 254,000 | $ 127,000 | $ 101,000 |
| Alexandria County Virginia | 2 | $ 848,000 | $ 424,000 | $ 353,000 |
| Thurston County Washington | 2 | $ 272,000 | $ 136,000 | $ 0 |
| Shelby County Alabama | 1 | $ 176,000 | $ 176,000 | $ 140,000 |
| Pinal County Arizona | 1 | $ 327,000 | $ 327,000 | $ 100,000 |
| Nevada County California | 1 | $ 324,000 | $ 324,000 | $ 133,000 |
| Orange County California | 1 | $ 415,000 | $ 415,000 | $ 197,000 |
| Placer County California | 1 | $ 368,000 | $ 368,000 | $ 86,000 |
| San Diego County California | 1 | $ 328,000 | $ 328,000 | $ 124,000 |
| San Mateo County California | 1 | $ 600,000 | $ 600,000 | $ 221,000 |
| Santa Barbara County California | 1 | $ 179,000 | $ 179,000 | $ 124,000 |
| Santa Cruz County California | 1 | $ 384,000 | $ 384,000 | $ 84,000 |
| Tulare County California | 1 | $ 243,000 | $ 243,000 | $ 75,000 |
| Boulder County Colorado | 1 | $ 472,000 | $ 472,000 | $ 119,000 |
| Denver County Colorado | 1 | $ 236,000 | $ 236,000 | $ 95,000 |
| Jefferson County Colorado | 1 | $ 233,000 | $ 233,000 | $ 280,000 |
| La Plata County Colorado | 1 | $ 319,000 | $ 319,000 | $ 107,000 |
| Larimer County Colorado | 1 | $ 135,000 | $ 135,000 | $ 102,000 |
| Park County Colorado | 1 | $ 252,000 | $ 252,000 | $ 0 |
| Pitkin County Colorado | 1 | $ 156,000 | $ 156,000 | $ 320,000 |
| Charlotte County Florida | 1 | $ 114,000 | $ 114,000 | $ 98,000 |
| Duval County Florida | 1 | $ 65,000 | $ 65,000 | $ 143,000 |
| Flagler County Florida | 1 | $ 165,000 | $ 165,000 | $ 111,000 |
| Indian River County Florida | 1 | $ 164,000 | $ 164,000 | $ 113,000 |
| Martin County Florida | 1 | $ 230,000 | $ 230,000 | $ 185,000 |
| Miami-Dade County Florida | 1 | $ 336,000 | $ 336,000 | $ 141,000 |
| Osceola County Florida | 1 | $ 123,000 | $ 123,000 | $ 114,000 |
| St. Lucie County Florida | 1 | $ 190,000 | $ 190,000 | $ 115,000 |
| Sumter County Florida | 1 | $ 116,000 | $ 116,000 | $ 55,000 |
| Walton County Florida | 1 | $ 337,000 | $ 337,000 | $ 270,000 |
| Forsyth County Georgia | 1 | $ 298,000 | $ 298,000 | $ 69,000 |
| Fulton County Georgia | 1 | $ 183,000 | $ 183,000 | $ 306,000 |
| Gilmer County Georgia | 1 | $ 416,000 | $ 416,000 | $ 117,000 |
| Glynn County Georgia | 1 | $ 417,000 | $ 417,000 | $ 205,000 |
| Gwinnett County Georgia | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Houston County Georgia | 1 | $ 366,000 | $ 366,000 | $ 120,000 |
| Peach County Georgia | 1 | $ 148,000 | $ 148,000 | $ 86,000 |
| Rockdale County Georgia | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Stephens County Georgia | 1 | $ 261,000 | $ 261,000 | $ 136,000 |
| Warren County Iowa | 1 | $ 153,000 | $ 153,000 | $ 44,000 |
| Jefferson County Kentucky | 1 | $ 157,000 | $ 157,000 | $ 60,000 |
| Kenton County Kentucky | 1 | $ 251,000 | $ 251,000 | $ 143,000 |
| Pike County Kentucky | 1 | $ 162,000 | $ 162,000 | $ 86,000 |
| East Baton Rouge County Louisiana | 1 | $ 360,000 | $ 360,000 | $ 270,000 |
| Jefferson County Louisiana | 1 | $ 397,000 | $ 397,000 | $ 426,000 |
| Ouachita County Louisiana | 1 | $ 252,000 | $ 252,000 | $ 59,000 |
| St. Tammany County Louisiana | 1 | $ 269,000 | $ 269,000 | $ 74,000 |
| Cumberland County Maine | 1 | $ 256,000 | $ 256,000 | $ 123,000 |
| Frederick County Maryland | 1 | $ 148,000 | $ 148,000 | $ 52,000 |
| Howard County Maryland | 1 | $ 166,000 | $ 166,000 | $ 72,000 |
| Hampden County Massachusetts | 1 | $ 163,000 | $ 163,000 | $ 53,000 |
| Oakland County Michigan | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
| Presque Isle County Michigan | 1 | $ 66,000 | $ 66,000 | $ 30,000 |
| Clay County Minnesota | 1 | $ 216,000 | $ 216,000 | $ 46,000 |
| Dakota County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 106,000 |
| Lyon County Minnesota | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Sherburne County Minnesota | 1 | $ 116,000 | $ 116,000 | $ 126,000 |
| Camden County Missouri | 1 | $ 93,000 | $ 93,000 | $ 29,000 |
| Jackson County Missouri | 1 | $ 257,000 | $ 257,000 | $ 92,000 |
| Platte County Missouri | 1 | $ 166,000 | $ 166,000 | $ 102,000 |
| St. Charles County Missouri | 1 | $ 180,000 | $ 180,000 | $ 93,000 |
| Gallatin County Montana | 1 | $ 241,000 | $ 241,000 | $ 111,000 |
| Missoula County Montana | 1 | $ 356,000 | $ 356,000 | $ 79,000 |
| Carroll County New Hampshire | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Rockingham County New Hampshire | 1 | $ 350,000 | $ 350,000 | $ 145,000 |
| Sullivan County New Hampshire | 1 | $ 106,000 | $ 106,000 | $ 27,000 |
| Atlantic County New Jersey | 1 | $ 156,000 | $ 156,000 | $ 35,000 |
| Cape May County New Jersey | 1 | $ 330,000 | $ 330,000 | $ 297,000 |
| Mercer County New Jersey | 1 | $ 285,000 | $ 285,000 | $ 99,000 |
| Eddy County New Mexico | 1 | $ 160,000 | $ 160,000 | $ 53,000 |
| Grant County New Mexico | 1 | $ 110,000 | $ 110,000 | $ 45,000 |
| Rensselaer County New York | 1 | $ 183,000 | $ 183,000 | $ 78,000 |
| Saratoga County New York | 1 | $ 129,000 | $ 129,000 | $ 115,000 |
| Sullivan County New York | 1 | $ 280,000 | $ 280,000 | $ 260,000 |
| Ulster County New York | 1 | $ 98,000 | $ 98,000 | $ 94,000 |
| Alamance County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Guilford County North Carolina | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Haywood County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 155,000 |
| Orange County North Carolina | 1 | $ 280,000 | $ 280,000 | $ 189,000 |
| Union County North Carolina | 1 | $ 187,000 | $ 187,000 | $ 84,000 |
| Wake County North Carolina | 1 | $ 178,000 | $ 178,000 | $ 88,000 |
| Cleveland County Oklahoma | 1 | $ 144,000 | $ 144,000 | $ 98,000 |
| Rogers County Oklahoma | 1 | $ 173,000 | $ 173,000 | $ 79,000 |
| Tulsa County Oklahoma | 1 | $ 945,000 | $ 945,000 | $ 174,000 |
| Marion County Oregon | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Yamhill County Oregon | 1 | $ 126,000 | $ 126,000 | $ 204,000 |
| Adams County Pennsylvania | 1 | $ 154,000 | $ 154,000 | $ 79,000 |
| Chester County Pennsylvania | 1 | $ 246,000 | $ 246,000 | $ 78,000 |
| Clarion County Pennsylvania | 1 | $ 262,000 | $ 262,000 | $ 139,000 |
| Lancaster County Pennsylvania | 1 | $ 182,000 | $ 182,000 | $ 83,000 |
| Lehigh County Pennsylvania | 1 | $ 144,000 | $ 144,000 | $ 229,000 |
| Monroe County Pennsylvania | 1 | $ 148,000 | $ 148,000 | $ 220,000 |
| Northampton County Pennsylvania | 1 | $ 157,000 | $ 157,000 | $ 114,000 |
| Susquehanna County Pennsylvania | 1 | $ 123,000 | $ 123,000 | $ 68,000 |
| Washington County Rhode Island | 1 | $ 410,000 | $ 410,000 | $ 147,000 |
| Aiken County South Carolina | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Georgetown County South Carolina | 1 | $ 182,000 | $ 182,000 | $ 78,000 |
| Greenville County South Carolina | 1 | $ 289,000 | $ 289,000 | $ 169,000 |
| Horry County South Carolina | 1 | $ 217,000 | $ 217,000 | $ 155,000 |
| Oconee County South Carolina | 1 | $ 292,000 | $ 292,000 | $ 61,000 |
| Orangeburg County South Carolina | 1 | $ 228,000 | $ 228,000 | $ 81,000 |
| Richland County South Carolina | 1 | $ 252,000 | $ 252,000 | $ 144,000 |
| York County South Carolina | 1 | $ 276,000 | $ 276,000 | $ 100,000 |
| McMinn County Tennessee | 1 | $ 166,000 | $ 166,000 | $ 66,000 |
| Montgomery County Tennessee | 1 | $ 129,000 | $ 129,000 | $ 44,000 |
| Williamson County Tennessee | 1 | $ 272,000 | $ 272,000 | $ 134,000 |
| Addison County Vermont | 1 | $ 111,000 | $ 111,000 | $ 41,000 |
| Bennington County Vermont | 1 | $ 240,000 | $ 240,000 | $ 122,000 |
| Chittenden County Vermont | 1 | $ 184,000 | $ 184,000 | $ 83,000 |
| Franklin County Vermont | 1 | $ 264,000 | $ 264,000 | $ 67,000 |
| Windsor County Vermont | 1 | $ 125,000 | $ 125,000 | $ 146,000 |
| Albemarle County Virginia | 1 | $ 207,000 | $ 207,000 | $ 88,000 |
| Arlington County Virginia | 1 | $ 408,000 | $ 408,000 | $ 142,000 |
| Fluvanna County Virginia | 1 | $ 255,000 | $ 255,000 | $ 52,000 |
| Halifax County Virginia | 1 | $ 138,000 | $ 138,000 | $ 81,000 |
| Hampton County Virginia | 1 | $ 151,000 | $ 151,000 | $ 114,000 |
| Hanover County Virginia | 1 | $ 159,000 | $ 159,000 | $ 113,000 |
| Henrico County Virginia | 1 | $ 366,000 | $ 366,000 | $ 125,000 |
| James City County Virginia | 1 | $ 250,000 | $ 250,000 | $ 54,000 |
| Lancaster County Virginia | 1 | $ 160,000 | $ 160,000 | $ 113,000 |
| New Kent County Virginia | 1 | $ 167,000 | $ 167,000 | $ 258,000 |
| Newport News County Virginia | 1 | $ 183,000 | $ 183,000 | $ 79,000 |
| Northumberland County Virginia | 1 | $ 135,000 | $ 135,000 | $ 180,000 |
| Richmond City County Virginia | 1 | $ 255,000 | $ 255,000 | $ 80,000 |
| Pierce County Washington | 1 | $ 98,000 | $ 98,000 | $ 50,000 |
| Dane County Wisconsin | 1 | $ 214,000 | $ 214,000 | $ 85,000 |
| Milwaukee County Wisconsin | 1 | $ 284,000 | $ 284,000 | $ 289,000 |
| Pierce County Wisconsin | 1 | $ 206,000 | $ 206,000 | $ 95,000 |
| Sauk County Wisconsin | 1 | $ 91,000 | $ 91,000 | $ 65,000 |
| Waukesha County Wisconsin | 1 | $ 417,000 | $ 417,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Sterling National Bank in 2012
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 | 1,267 | $411,539,000 | $324,000 | $2,170,000 | $152,000 | $2,254,000 |
| Home Purchase | 795 | $269,100,000 | $338,000 | $1,855,000 | $142,000 | $2,044,000 |
| Home Improvement | 2 | $777,000 | $388,000 | $525,000 | $169,000 | $175,000 |
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 | 1,604 | $538,919,000 | $335,000 | $2,170,000 | $157,000 | $2,254,000 |
| Asian | 138 | $48,622,000 | $352,000 | $2,045,000 | $147,000 | $1,258,000 |
| Black or African American | 134 | $38,865,000 | $290,000 | $770,000 | $99,000 | $569,000 |
| Hispanic | 132 | $35,889,000 | $271,000 | $951,000 | $105,000 | $418,000 |
| Not Provided | 49 | $16,951,000 | $345,000 | $625,000 | $127,000 | $380,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,170,000 | $310,000 | $504,000 | $89,000 | $131,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 1,584 | $528,090,000 | $333,000 | $2,170,000 | $161,000 | $2,254,000 |
| FHA-insured (Federal Housing Administration) | 476 | $152,357,000 | $320,000 | $951,000 | $106,000 | $679,000 |
| VA-guaranteed (Veterans Administration) | 4 | $969,000 | $242,000 | $286,000 | $87,000 | $149,000 |
| 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 | 1,748 | $579,739,000 | $331,000 | $2,170,000 | $151,000 | $2,254,000 |
| Application Withdrawn By Applicant | 167 | $56,333,000 | $337,000 | $2,045,000 | $140,000 | $1,432,000 |
| Application Denied By Financial Institution | 92 | $25,606,000 | $278,000 | $626,000 | $104,000 | $707,000 |
| File Closed For Incompleteness | 45 | $15,593,000 | $346,000 | $894,000 | $140,000 | $528,000 |
| Application Approved But Not Accepted | 11 | $4,011,000 | $364,000 | $801,000 | $134,000 | $260,000 |
| Preapproval Denied by Financial Institution | 1 | $134,000 | $134,000 | $134,000 | $42,000 | $42,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 35 | $10,290,000 | $294,000 | $585,000 | $76,000 | $323,000 |
| Collateral | 23 | $5,905,000 | $256,000 | $417,000 | $120,000 | $707,000 |
| Other | 16 | $3,459,000 | $216,000 | $375,000 | $123,000 | $418,000 |
| Credit History | 13 | $4,099,000 | $315,000 | $626,000 | $109,000 | $227,000 |
| Employment History | 3 | $812,000 | $270,000 | $400,000 | $113,000 | $201,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,175,000 | $391,000 | $614,000 | $150,000 | $232,000 |
| 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 National Bank's 2012 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 National 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.
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