Sterling National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Sterling National Bank 2014 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 400 Rella Blvd. Montebello, NY 10901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2014 |
| Total Number of Mortgage Applications | 1,255 |
| Total Mortgage Loan Application Amount | $508,961,000 |
| Average Mortgage Loan Application Amount | $353,000 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $195,666 |
| Highest Applicant Income | $5,046,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 | 303 | $ 156,279,000 | $ 515,000 | $ 176,000 |
| Queens County New York | 169 | $ 50,249,000 | $ 297,000 | $ 133,000 |
| New York County New York | 155 | $ 80,885,000 | $ 521,000 | $ 273,000 |
| Nassau County New York | 120 | $ 46,437,000 | $ 386,000 | $ 163,000 |
| Suffolk County New York | 96 | $ 37,208,000 | $ 387,000 | $ 244,000 |
| Westchester County New York | 57 | $ 23,866,000 | $ 418,000 | $ 224,000 |
| Rockland County New York | 47 | $ 13,490,000 | $ 287,000 | $ 440,000 |
| Orange County New York | 39 | $ 7,865,000 | $ 201,000 | $ 162,000 |
| Bergen County New Jersey | 22 | $ 9,879,000 | $ 449,000 | $ 250,000 |
| Monmouth County New Jersey | 17 | $ 9,097,000 | $ 535,000 | $ 600,000 |
| Fairfield County Connecticut | 16 | $ 7,181,000 | $ 448,000 | $ 215,000 |
| Richmond County New York | 15 | $ 4,182,000 | $ 278,000 | $ 128,000 |
| Hudson County New Jersey | 12 | $ 5,168,000 | $ 430,000 | $ 178,000 |
| Essex County New Jersey | 11 | $ 5,457,000 | $ 496,000 | $ 237,000 |
| New Haven County Connecticut | 8 | $ 1,044,000 | $ 130,000 | $ 69,000 |
| Ocean County New Jersey | 8 | $ 3,956,000 | $ 494,000 | $ 533,000 |
| Dutchess County New York | 7 | $ 1,494,000 | $ 213,000 | $ 118,000 |
| Middlesex County Connecticut | 6 | $ 1,424,000 | $ 237,000 | $ 97,000 |
| Bronx County New York | 6 | $ 1,084,000 | $ 180,000 | $ 74,000 |
| Middlesex County New Jersey | 5 | $ 1,867,000 | $ 373,000 | $ 205,000 |
| Putnam County New York | 5 | $ 1,218,000 | $ 243,000 | $ 238,000 |
| Sullivan County New York | 5 | $ 433,000 | $ 86,000 | $ 96,000 |
| Los Angeles County California | 4 | $ 3,448,000 | $ 862,000 | $ 252,000 |
| Hartford County Connecticut | 3 | $ 679,000 | $ 226,000 | $ 236,000 |
| Miami-Dade County Florida | 3 | $ 2,606,000 | $ 868,000 | $ 1,185,000 |
| Palm Beach County Florida | 3 | $ 608,000 | $ 202,000 | $ 120,000 |
| Norfolk County Massachusetts | 3 | $ 1,084,000 | $ 361,000 | $ 148,000 |
| Somerset County New Jersey | 3 | $ 1,922,000 | $ 640,000 | $ 162,000 |
| Columbia County New York | 3 | $ 772,000 | $ 257,000 | $ 885,000 |
| Pike County Pennsylvania | 3 | $ 421,000 | $ 140,000 | $ 79,000 |
| Litchfield County Connecticut | 2 | $ 648,000 | $ 324,000 | $ 194,000 |
| Charlotte County Florida | 2 | $ 206,000 | $ 103,000 | $ 159,000 |
| Hillsborough County Florida | 2 | $ 525,000 | $ 262,000 | $ 153,000 |
| Lee County Florida | 2 | $ 239,000 | $ 119,000 | $ 93,000 |
| Sarasota County Florida | 2 | $ 562,000 | $ 281,000 | $ 99,000 |
| St. Lucie County Florida | 2 | $ 359,000 | $ 179,000 | $ 78,000 |
| Fulton County Georgia | 2 | $ 1,039,000 | $ 519,000 | $ 209,000 |
| Baltimore County Maryland | 2 | $ 736,000 | $ 368,000 | $ 215,000 |
| Essex County Massachusetts | 2 | $ 572,000 | $ 286,000 | $ 155,000 |
| Suffolk County Massachusetts | 2 | $ 1,250,000 | $ 625,000 | $ 257,000 |
| Mercer County New Jersey | 2 | $ 1,238,000 | $ 619,000 | $ 200,000 |
| Morris County New Jersey | 2 | $ 418,000 | $ 209,000 | $ 78,000 |
| Union County New Jersey | 2 | $ 810,000 | $ 405,000 | $ 222,000 |
| Ulster County New York | 2 | $ 267,000 | $ 133,000 | $ 202,000 |
| Montgomery County Ohio | 2 | $ 116,000 | $ 58,000 | $ 146,000 |
| Cullman County Alabama | 1 | $ 404,000 | $ 404,000 | $ 211,000 |
| Maricopa County Arizona | 1 | $ 110,000 | $ 110,000 | $ 83,000 |
| Alameda County California | 1 | $ 260,000 | $ 260,000 | $ 83,000 |
| San Diego County California | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| San Luis Obispo County California | 1 | $ 464,000 | $ 464,000 | $ 200,000 |
| Denver County Colorado | 1 | $ 265,000 | $ 265,000 | $ 90,000 |
| El Paso County Colorado | 1 | $ 233,000 | $ 233,000 | $ 119,000 |
| Larimer County Colorado | 1 | $ 211,000 | $ 211,000 | $ 150,000 |
| New London County Connecticut | 1 | $ 242,000 | $ 242,000 | $ 115,000 |
| Tolland County Connecticut | 1 | $ 199,000 | $ 199,000 | $ 117,000 |
| Windham County Connecticut | 1 | $ 330,000 | $ 330,000 | $ 240,000 |
| New Castle County Delaware | 1 | $ 167,000 | $ 167,000 | $ 61,000 |
| Sussex County Delaware | 1 | $ 215,000 | $ 215,000 | $ 67,000 |
| Broward County Florida | 1 | $ 168,000 | $ 168,000 | $ 196,000 |
| Collier County Florida | 1 | $ 125,000 | $ 125,000 | $ 235,000 |
| Duval County Florida | 1 | $ 362,000 | $ 362,000 | $ 105,000 |
| Lake County Florida | 1 | $ 180,000 | $ 180,000 | $ 266,000 |
| Martin County Florida | 1 | $ 86,000 | $ 86,000 | $ 147,000 |
| Monroe County Florida | 1 | $ 143,000 | $ 143,000 | $ 100,000 |
| Orange County Florida | 1 | $ 212,000 | $ 212,000 | $ 60,000 |
| Osceola County Florida | 1 | $ 126,000 | $ 126,000 | $ 89,000 |
| Pasco County Florida | 1 | $ 116,000 | $ 116,000 | $ 35,000 |
| Pinellas County Florida | 1 | $ 210,000 | $ 210,000 | $ 71,000 |
| Bibb County Georgia | 1 | $ 344,000 | $ 344,000 | $ 34,000 |
| DeKalb County Georgia | 1 | $ 153,000 | $ 153,000 | $ 192,000 |
| Gilmer County Georgia | 1 | $ 484,000 | $ 484,000 | $ 250,000 |
| Rockdale County Georgia | 1 | $ 206,000 | $ 206,000 | $ 34,000 |
| Cook County Illinois | 1 | $ 120,000 | $ 120,000 | $ 124,000 |
| Bossier County Louisiana | 1 | $ 232,000 | $ 232,000 | $ 87,000 |
| Terrebonne County Louisiana | 1 | $ 295,000 | $ 295,000 | $ 91,000 |
| Aroostook County Maine | 1 | $ 201,000 | $ 201,000 | $ 63,000 |
| Montgomery County Maryland | 1 | $ 764,000 | $ 764,000 | $ 231,000 |
| Barnstable County Massachusetts | 1 | $ 324,000 | $ 324,000 | $ 174,000 |
| Middlesex County Massachusetts | 1 | $ 459,000 | $ 459,000 | $ 111,000 |
| Kalamazoo County Michigan | 1 | $ 152,000 | $ 152,000 | $ 107,000 |
| Oakland County Michigan | 1 | $ 345,000 | $ 345,000 | $ 730,000 |
| Chisago County Minnesota | 1 | $ 222,000 | $ 222,000 | $ 92,000 |
| Platte County Missouri | 1 | $ 80,000 | $ 80,000 | $ 54,000 |
| St. Louis County Missouri | 1 | $ 276,000 | $ 276,000 | $ 80,000 |
| Gallatin County Montana | 1 | $ 292,000 | $ 292,000 | $ 136,000 |
| Burlington County New Jersey | 1 | $ 255,000 | $ 255,000 | $ 112,000 |
| Camden County New Jersey | 1 | $ 300,000 | $ 300,000 | $ 135,000 |
| Cape May County New Jersey | 1 | $ 508,000 | $ 508,000 | $ 480,000 |
| Hunterdon County New Jersey | 1 | $ 600,000 | $ 600,000 | $ 190,000 |
| Delaware County New York | 1 | $ 225,000 | $ 225,000 | $ 177,000 |
| Greene County New York | 1 | $ 250,000 | $ 250,000 | $ 136,000 |
| Monroe County New York | 1 | $ 148,000 | $ 148,000 | $ 120,000 |
| Otsego County New York | 1 | $ 144,000 | $ 144,000 | $ 313,000 |
| Dare County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 138,000 |
| New Hanover County North Carolina | 1 | $ 331,000 | $ 331,000 | $ 134,000 |
| Pender County North Carolina | 1 | $ 230,000 | $ 230,000 | $ 76,000 |
| Franklin County Ohio | 1 | $ 333,000 | $ 333,000 | $ 439,000 |
| Delaware County Pennsylvania | 1 | $ 49,000 | $ 49,000 | $ 30,000 |
| Lackawanna County Pennsylvania | 1 | $ 320,000 | $ 320,000 | $ 288,000 |
| Monroe County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 204,000 |
| Philadelphia County Pennsylvania | 1 | $ 320,000 | $ 320,000 | $ 79,000 |
| Schuylkill County Pennsylvania | 1 | $ 172,000 | $ 172,000 | $ 48,000 |
| Wayne County Pennsylvania | 1 | $ 104,000 | $ 104,000 | $ 52,000 |
| Greenville County South Carolina | 1 | $ 420,000 | $ 420,000 | $ 115,000 |
| Horry County South Carolina | 1 | $ 97,000 | $ 97,000 | $ 73,000 |
| Fort Bend County Texas | 1 | $ 143,000 | $ 143,000 | $ 1,083,000 |
| Williamson County Texas | 1 | $ 324,000 | $ 324,000 | $ 257,000 |
| Bennington County Vermont | 1 | $ 296,000 | $ 296,000 | $ 663,000 |
| Lamoille County Vermont | 1 | $ 157,000 | $ 157,000 | $ 34,000 |
| Chesterfield County Virginia | 1 | $ 700,000 | $ 700,000 | $ 1,050,000 |
| Isle of Wight County Virginia | 1 | $ 280,000 | $ 280,000 | $ 101,000 |
| Loudoun County Virginia | 1 | $ 313,000 | $ 313,000 | $ 80,000 |
| Warren County Virginia | 1 | $ 90,000 | $ 90,000 | $ 101,000 |
| Whatcom County Washington | 1 | $ 467,000 | $ 467,000 | $ 82,000 |
| Milwaukee County Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 113,000 |
| Polk County Wisconsin | 1 | $ 338,000 | $ 338,000 | $ 217,000 |
Mortgage Loan Application Detail Totals for Sterling National Bank in 2014
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 | 987 | $415,085,000 | $420,000 | $4,500,000 | $208,000 | $5,046,000 |
| Refinancing | 212 | $78,910,000 | $372,000 | $2,175,000 | $237,000 | $3,219,000 |
| Home Improvement | 56 | $14,966,000 | $267,000 | $938,000 | $142,000 | $613,000 |
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 | 939 | $394,519,000 | $420,000 | $4,500,000 | $223,000 | $5,046,000 |
| Asian | 124 | $47,815,000 | $385,000 | $1,768,000 | $173,000 | $1,331,000 |
| Hispanic | 93 | $29,535,000 | $317,000 | $900,000 | $115,000 | $334,000 |
| Black or African American | 54 | $17,943,000 | $332,000 | $1,145,000 | $142,000 | $730,000 |
| Not Provided | 38 | $17,479,000 | $459,000 | $1,803,000 | $325,000 | $3,807,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,351,000 | $225,000 | $358,000 | $174,000 | $497,000 |
| American Indian or Alaskan Native | 1 | $319,000 | $319,000 | $319,000 | $99,000 | $99,000 |
| 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) | 1,196 | $487,779,000 | $407,000 | $4,500,000 | $215,000 | $5,046,000 |
| FHA-insured (Federal Housing Administration) | 59 | $21,182,000 | $359,000 | $1,145,000 | $102,000 | $222,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 932 | $369,135,000 | $396,000 | $2,175,000 | $204,000 | $5,046,000 |
| Application Approved But Not Accepted | 133 | $61,010,000 | $458,000 | $4,500,000 | $266,000 | $2,915,000 |
| Application Denied By Financial Institution | 128 | $46,937,000 | $366,000 | $2,276,000 | $157,000 | $2,628,000 |
| File Closed For Incompleteness | 43 | $23,763,000 | $552,000 | $2,625,000 | $249,000 | $1,816,000 |
| Application Withdrawn By Applicant | 19 | $8,116,000 | $427,000 | $866,000 | $384,000 | $4,000,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 43 | $16,224,000 | $377,000 | $2,276,000 | $176,000 | $588,000 |
| Debt-To-Income Ratio | 43 | $14,120,000 | $328,000 | $1,145,000 | $96,000 | $266,000 |
| Credit History | 21 | $6,744,000 | $321,000 | $800,000 | $120,000 | $326,000 |
| Other | 12 | $4,493,000 | $374,000 | $810,000 | $163,000 | $346,000 |
| Unverifiable Information | 5 | $2,283,000 | $456,000 | $884,000 | $113,000 | $223,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $2,593,000 | $864,000 | $1,803,000 | $1,103,000 | $2,628,000 |
| Employment History | 1 | $480,000 | $480,000 | $480,000 | $0 | $0 |
| Credit Application Incomplete | 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 National Bank's 2014 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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.