Sterling National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013

Sterling National Bank 2013 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 2013  
Total Number of Mortgage Applications 1,805
Total Mortgage Loan Application Amount $619,489,000
Average Mortgage Loan Application Amount $334,333
Highest Mortgage Loan Application Amount $2,210,000
Average Applicant Income $161,000
Highest Applicant Income $4,329,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.

Mortgage Loan Application Totals for Sterling National Bank by County in 2013

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Kings County New York 473 $ 200,787,000 $ 424,000 $ 154,000
Queens County New York 213 $ 61,147,000 $ 287,000 $ 109,000
Nassau County New York 202 $ 70,669,000 $ 349,000 $ 169,000
Suffolk County New York 171 $ 56,252,000 $ 328,000 $ 157,000
New York County New York 145 $ 59,621,000 $ 411,000 $ 220,000
Westchester County New York 58 $ 21,693,000 $ 374,000 $ 187,000
New Haven County Connecticut 35 $ 5,611,000 $ 160,000 $ 65,000
Fairfield County Connecticut 29 $ 10,051,000 $ 346,000 $ 139,000
Bergen County New Jersey 28 $ 10,782,000 $ 385,000 $ 268,000
Hartford County Connecticut 24 $ 3,574,000 $ 148,000 $ 78,000
Monmouth County New Jersey 24 $ 7,916,000 $ 329,000 $ 161,000
Bronx County New York 24 $ 8,088,000 $ 337,000 $ 106,000
Middlesex County Connecticut 23 $ 4,788,000 $ 208,000 $ 92,000
Richmond County New York 20 $ 6,053,000 $ 302,000 $ 118,000
Essex County New Jersey 13 $ 4,352,000 $ 334,000 $ 172,000
Hudson County New Jersey 13 $ 4,410,000 $ 339,000 $ 167,000
Pinellas County Florida 12 $ 2,826,000 $ 235,000 $ 130,000
Dutchess County New York 10 $ 2,162,000 $ 216,000 $ 109,000
Miami-Dade County Florida 9 $ 2,309,000 $ 256,000 $ 235,000
Palm Beach County Florida 8 $ 2,616,000 $ 327,000 $ 276,000
Middlesex County Massachusetts 8 $ 2,663,000 $ 332,000 $ 101,000
Broward County Florida 6 $ 2,731,000 $ 455,000 $ 225,000
Fulton County Georgia 6 $ 1,883,000 $ 313,000 $ 174,000
Essex County Massachusetts 6 $ 1,972,000 $ 328,000 $ 137,000
Rockland County New York 6 $ 2,036,000 $ 339,000 $ 120,000
New London County Connecticut 5 $ 1,007,000 $ 201,000 $ 69,000
Forsyth County Georgia 5 $ 974,000 $ 194,000 $ 103,000
Litchfield County Connecticut 4 $ 898,000 $ 224,000 $ 129,000
Berkshire County Massachusetts 4 $ 1,344,000 $ 336,000 $ 243,000
Middlesex County New Jersey 4 $ 1,537,000 $ 384,000 $ 107,000
Ocean County New Jersey 4 $ 999,000 $ 249,000 $ 205,000
Putnam County New York 4 $ 2,116,000 $ 529,000 $ 175,000
Wake County North Carolina 4 $ 968,000 $ 242,000 $ 89,000
Fairfax County Virginia 4 $ 1,297,000 $ 324,000 $ 102,000
Adams County Colorado 3 $ 554,000 $ 184,000 $ 62,000
Collier County Florida 3 $ 695,000 $ 231,000 $ 76,000
Lee County Florida 3 $ 634,000 $ 211,000 $ 163,000
Okaloosa County Florida 3 $ 570,000 $ 190,000 $ 71,000
Gwinnett County Georgia 3 $ 1,262,000 $ 420,000 $ 445,000
East Baton Rouge County Louisiana 3 $ 671,000 $ 223,000 $ 147,000
Montgomery County Maryland 3 $ 1,202,000 $ 400,000 $ 186,000
Barnstable County Massachusetts 3 $ 725,000 $ 241,000 $ 63,000
Suffolk County Massachusetts 3 $ 853,000 $ 284,000 $ 135,000
Columbia County New York 3 $ 595,000 $ 198,000 $ 364,000
Delaware County New York 3 $ 585,000 $ 195,000 $ 252,000
Orange County New York 3 $ 813,000 $ 271,000 $ 229,000
Schenectady County New York 3 $ 648,000 $ 216,000 $ 104,000
Ulster County New York 3 $ 769,000 $ 256,000 $ 164,000
Snohomish County Washington 3 $ 880,000 $ 293,000 $ 137,000
Shelby County Alabama 2 $ 584,000 $ 292,000 $ 94,000
Maricopa County Arizona 2 $ 482,000 $ 241,000 $ 54,000
El Dorado County California 2 $ 652,000 $ 326,000 $ 84,000
Boulder County Colorado 2 $ 668,000 $ 334,000 $ 70,000
Pueblo County Colorado 2 $ 242,000 $ 121,000 $ 31,000
Sussex County Delaware 2 $ 473,000 $ 236,000 $ 101,000
District of Columbia County District Of Columbia 2 $ 994,000 $ 497,000 $ 307,000
Duval County Florida 2 $ 504,000 $ 252,000 $ 193,000
Hillsborough County Florida 2 $ 483,000 $ 241,000 $ 187,000
Orange County Florida 2 $ 268,000 $ 134,000 $ 56,000
Cook County Illinois 2 $ 187,000 $ 93,000 $ 142,000
Orleans County Louisiana 2 $ 413,000 $ 206,000 $ 219,000
Bristol County Massachusetts 2 $ 667,000 $ 333,000 $ 98,000
Rankin County Mississippi 2 $ 160,000 $ 80,000 $ 52,000
Gallatin County Montana 2 $ 719,000 $ 359,000 $ 383,000
Clark County Nevada 2 $ 318,000 $ 159,000 $ 176,000
Grafton County New Hampshire 2 $ 393,000 $ 196,000 $ 82,000
Hillsborough County New Hampshire 2 $ 355,000 $ 177,000 $ 69,000
Merrimack County New Hampshire 2 $ 265,000 $ 132,000 $ 76,000
Mercer County New Jersey 2 $ 513,000 $ 256,000 $ 186,000
Somerset County New Jersey 2 $ 572,000 $ 286,000 $ 140,000
Albany County New York 2 $ 496,000 $ 248,000 $ 136,000
Onondaga County New York 2 $ 378,000 $ 189,000 $ 124,000
Union County North Carolina 2 $ 646,000 $ 323,000 $ 145,000
Jackson County Oregon 2 $ 267,000 $ 133,000 $ 60,000
Chester County Pennsylvania 2 $ 995,000 $ 497,000 $ 140,000
Philadelphia County Pennsylvania 2 $ 620,000 $ 310,000 $ 247,000
Pike County Pennsylvania 2 $ 254,000 $ 127,000 $ 213,000
Shelby County Tennessee 2 $ 255,000 $ 127,000 $ 69,000
Windham County Vermont 2 $ 519,000 $ 259,000 $ 456,000
Prince William County Virginia 2 $ 446,000 $ 223,000 $ 43,000
Pierce County Washington 2 $ 594,000 $ 297,000 $ 95,000
Los Angeles County California 1 $ 600,000 $ 600,000 $ 114,000
San Diego County California 1 $ 546,000 $ 546,000 $ 93,000
Broomfield County Colorado 1 $ 219,000 $ 219,000 $ 92,000
El Paso County Colorado 1 $ 172,000 $ 172,000 $ 115,000
Jefferson County Colorado 1 $ 204,000 $ 204,000 $ 66,000
Larimer County Colorado 1 $ 175,000 $ 175,000 $ 59,000
New Castle County Delaware 1 $ 120,000 $ 120,000 $ 120,000
Bay County Florida 1 $ 118,000 $ 118,000 $ 214,000
Charlotte County Florida 1 $ 167,000 $ 167,000 $ 81,000
Indian River County Florida 1 $ 151,000 $ 151,000 $ 101,000
Leon County Florida 1 $ 332,000 $ 332,000 $ 55,000
Marion County Florida 1 $ 294,000 $ 294,000 $ 91,000
Sarasota County Florida 1 $ 332,000 $ 332,000 $ 177,000
St. Johns County Florida 1 $ 288,000 $ 288,000 $ 121,000
St. Lucie County Florida 1 $ 110,000 $ 110,000 $ 117,000
Wakulla County Florida 1 $ 83,000 $ 83,000 $ 56,000
Chatham County Georgia 1 $ 102,000 $ 102,000 $ 90,000
Clarke County Georgia 1 $ 225,000 $ 225,000 $ 133,000
Gilmer County Georgia 1 $ 330,000 $ 330,000 $ 169,000
Houston County Georgia 1 $ 366,000 $ 366,000 $ 73,000
Jones County Georgia 1 $ 183,000 $ 183,000 $ 162,000
Madison County Georgia 1 $ 123,000 $ 123,000 $ 74,000
Muscogee County Georgia 1 $ 35,000 $ 35,000 $ 195,000
Rockdale County Georgia 1 $ 166,000 $ 166,000 $ 52,000
Toombs County Georgia 1 $ 390,000 $ 390,000 $ 375,000
Ada County Idaho 1 $ 300,000 $ 300,000 $ 448,000
Bingham County Idaho 1 $ 126,000 $ 126,000 $ 37,000
DuPage County Illinois 1 $ 202,000 $ 202,000 $ 75,000
Ellis County Kansas 1 $ 274,000 $ 274,000 $ 53,000
Jefferson County Louisiana 1 $ 144,000 $ 144,000 $ 55,000
St. Tammany County Louisiana 1 $ 180,000 $ 180,000 $ 59,000
Terrebonne County Louisiana 1 $ 260,000 $ 260,000 $ 88,000
Hancock County Maine 1 $ 293,000 $ 293,000 $ 375,000
Anne Arundel County Maryland 1 $ 241,000 $ 241,000 $ 163,000
Howard County Maryland 1 $ 281,000 $ 281,000 $ 78,000
Queen Anne's County Maryland 1 $ 495,000 $ 495,000 $ 453,000
Dukes County Massachusetts 1 $ 176,000 $ 176,000 $ 58,000
Norfolk County Massachusetts 1 $ 385,000 $ 385,000 $ 321,000
Worcester County Massachusetts 1 $ 326,000 $ 326,000 $ 114,000
Dakota County Minnesota 1 $ 155,000 $ 155,000 $ 106,000
Hennepin County Minnesota 1 $ 218,000 $ 218,000 $ 129,000
Hinds County Mississippi 1 $ 255,000 $ 255,000 $ 70,000
Platte County Missouri 1 $ 146,000 $ 146,000 $ 65,000
Lancaster County Nebraska 1 $ 359,000 $ 359,000 $ 436,000
Carroll County New Hampshire 1 $ 244,000 $ 244,000 $ 286,000
Rockingham County New Hampshire 1 $ 282,000 $ 282,000 $ 107,000
Cape May County New Jersey 1 $ 401,000 $ 401,000 $ 426,000
Hunterdon County New Jersey 1 $ 560,000 $ 560,000 $ 172,000
Morris County New Jersey 1 $ 300,000 $ 300,000 $ 296,000
Sussex County New Jersey 1 $ 80,000 $ 80,000 $ 138,000
Santa Fe County New Mexico 1 $ 417,000 $ 417,000 $ 373,000
Essex County New York 1 $ 267,000 $ 267,000 $ 541,000
Niagara County New York 1 $ 265,000 $ 265,000 $ 196,000
Otsego County New York 1 $ 400,000 $ 400,000 $ 384,000
Rensselaer County New York 1 $ 360,000 $ 360,000 $ 206,000
Guilford County North Carolina 1 $ 117,000 $ 117,000 $ 73,000
Iredell County North Carolina 1 $ 276,000 $ 276,000 $ 153,000
Lenoir County North Carolina 1 $ 140,000 $ 140,000 $ 74,000
Macon County North Carolina 1 $ 252,000 $ 252,000 $ 55,000
Mecklenburg County North Carolina 1 $ 1,146,000 $ 1,146,000 $ 293,000
Clackamas County Oregon 1 $ 225,000 $ 225,000 $ 60,000
Allegheny County Pennsylvania 1 $ 244,000 $ 244,000 $ 106,000
Delaware County Pennsylvania 1 $ 417,000 $ 417,000 $ 146,000
Lehigh County Pennsylvania 1 $ 350,000 $ 350,000 $ 82,000
Monroe County Pennsylvania 1 $ 294,000 $ 294,000 $ 129,000
Montgomery County Pennsylvania 1 $ 301,000 $ 301,000 $ 132,000
Wayne County Pennsylvania 1 $ 81,000 $ 81,000 $ 37,000
Westmoreland County Pennsylvania 1 $ 213,000 $ 213,000 $ 145,000
York County Pennsylvania 1 $ 155,000 $ 155,000 $ 99,000
Beaufort County South Carolina 1 $ 274,000 $ 274,000 $ 144,000
Charleston County South Carolina 1 $ 327,000 $ 327,000 $ 121,000
Richland County South Carolina 1 $ 204,000 $ 204,000 $ 29,000
York County South Carolina 1 $ 230,000 $ 230,000 $ 64,000
Davidson County Tennessee 1 $ 255,000 $ 255,000 $ 1,431,000
Franklin County Tennessee 1 $ 164,000 $ 164,000 $ 13,000
Sevier County Tennessee 1 $ 250,000 $ 250,000 $ 153,000
Davis County Utah 1 $ 160,000 $ 160,000 $ 248,000
Wasatch County Utah 1 $ 260,000 $ 260,000 $ 79,000
Bennington County Vermont 1 $ 313,000 $ 313,000 $ 217,000
Rutland County Vermont 1 $ 347,000 $ 347,000 $ 173,000
Arlington County Virginia 1 $ 532,000 $ 532,000 $ 153,000
Botetourt County Virginia 1 $ 181,000 $ 181,000 $ 50,000
Falls Church County Virginia 1 $ 506,000 $ 506,000 $ 116,000
Henry County Virginia 1 $ 93,000 $ 93,000 $ 38,000
Isle of Wight County Virginia 1 $ 285,000 $ 285,000 $ 66,000
Montgomery County Virginia 1 $ 405,000 $ 405,000 $ 115,000
Clark County Washington 1 $ 197,000 $ 197,000 $ 104,000
King County Washington 1 $ 240,000 $ 240,000 $ 180,000
Spokane County Washington 1 $ 177,000 $ 177,000 $ 136,000
Jefferson County West Virginia 1 $ 310,000 $ 310,000 $ 96,000
Marion County West Virginia 1 $ 236,000 $ 236,000 $ 120,000
Outagamie County Wisconsin 1 $ 139,000 $ 139,000 $ 101,000

Mortgage Loan Application Detail Totals for Sterling National Bank in 2013

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 983 $352,147,000 $358,000 $2,210,000 $155,000 $4,329,000
Refinancing 667 $217,828,000 $326,000 $1,641,000 $148,000 $847,000
Home Improvement 155 $49,514,000 $319,000 $1,500,000 $180,000 $1,672,000

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 1,370 $479,244,000 $349,000 $2,210,000 $163,000 $4,329,000
Asian 160 $54,534,000 $340,000 $1,466,000 $148,000 $838,000
Hispanic 136 $39,286,000 $288,000 $1,100,000 $103,000 $370,000
Black or African American 88 $25,834,000 $293,000 $951,000 $110,000 $716,000
Not Provided 47 $19,151,000 $407,000 $1,641,000 $155,000 $470,000
Native Hawaiian or Other Pacific Islander 3 $1,152,000 $384,000 $505,000 $232,000 $375,000
American Indian or Alaskan Native 1 $288,000 $288,000 $288,000 $76,000 $76,000
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) 1,585 $545,030,000 $343,000 $2,210,000 $159,000 $2,300,000
FHA-insured (Federal Housing Administration) 219 $74,273,000 $339,000 $1,100,000 $126,000 $4,329,000
VA-guaranteed (Veterans Administration) 1 $186,000 $186,000 $186,000 $77,000 $77,000
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 1,339 $447,923,000 $334,000 $2,210,000 $150,000 $1,736,000
Application Withdrawn By Applicant 253 $97,545,000 $385,000 $1,500,000 $161,000 $2,300,000
File Closed For Incompleteness 103 $38,088,000 $369,000 $1,466,000 $191,000 $4,329,000
Application Denied By Financial Institution 94 $28,929,000 $307,000 $1,150,000 $127,000 $898,000
Application Approved But Not Accepted 16 $7,004,000 $437,000 $1,251,000 $331,000 $1,627,000
Loan Purchased By The Institution 0 $0 $0 $0 $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
Debt-To-Income Ratio 31 $10,650,000 $343,000 $1,150,000 $94,000 $429,000
Collateral 25 $6,597,000 $263,000 $520,000 $136,000 $707,000
Credit History 13 $4,591,000 $353,000 $1,100,000 $228,000 $898,000
Other 10 $2,270,000 $227,000 $623,000 $110,000 $283,000
Employment History 6 $2,301,000 $383,000 $714,000 $105,000 $288,000
Unverifiable Information 5 $1,079,000 $215,000 $412,000 $83,000 $167,000
Insufficient Cash (Downpayment, Closing Cost) 3 $1,295,000 $431,000 $575,000 $155,000 $231,000
Credit Application Incomplete 1 $146,000 $146,000 $146,000 $40,000 $40,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Sterling National Bank's 2013 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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