Sterling National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Sterling National Bank 2016 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 | 1,506 |
| Total Mortgage Loan Application Amount | $706,681,000 |
| Average Mortgage Loan Application Amount | $456,666 |
| Highest Mortgage Loan Application Amount | $14,000,000 |
| Average Applicant Income | $187,666 |
| Highest Applicant Income | $4,396,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 340 | $ 176,912,000 | $ 520,000 | $ 181,000 |
| Queens County New York | 254 | $ 78,494,000 | $ 309,000 | $ 130,000 |
| New York County New York | 182 | $ 172,930,000 | $ 950,000 | $ 292,000 |
| Nassau County New York | 128 | $ 48,081,000 | $ 375,000 | $ 169,000 |
| Suffolk County New York | 125 | $ 43,404,000 | $ 347,000 | $ 150,000 |
| Westchester County New York | 82 | $ 32,162,000 | $ 392,000 | $ 157,000 |
| Rockland County New York | 58 | $ 17,061,000 | $ 294,000 | $ 148,000 |
| Orange County New York | 54 | $ 12,193,000 | $ 225,000 | $ 141,000 |
| Bronx County New York | 33 | $ 8,539,000 | $ 258,000 | $ 99,000 |
| Richmond County New York | 30 | $ 9,088,000 | $ 302,000 | $ 102,000 |
| Bergen County New Jersey | 29 | $ 13,572,000 | $ 468,000 | $ 246,000 |
| Monmouth County New Jersey | 28 | $ 14,275,000 | $ 509,000 | $ 249,000 |
| Dutchess County New York | 12 | $ 3,188,000 | $ 265,000 | $ 154,000 |
| Essex County New Jersey | 11 | $ 7,553,000 | $ 686,000 | $ 148,000 |
| Ulster County New York | 11 | $ 2,438,000 | $ 221,000 | $ 114,000 |
| Fairfield County Connecticut | 10 | $ 13,739,000 | $ 1,373,000 | $ 95,000 |
| Hudson County New Jersey | 8 | $ 4,071,000 | $ 508,000 | $ 251,000 |
| Los Angeles County California | 6 | $ 3,380,000 | $ 563,000 | $ 453,000 |
| Morris County New Jersey | 6 | $ 3,306,000 | $ 551,000 | $ 359,000 |
| Putnam County New York | 6 | $ 1,702,000 | $ 283,000 | $ 161,000 |
| Monroe County Pennsylvania | 5 | $ 883,000 | $ 176,000 | $ 97,000 |
| Lee County Florida | 4 | $ 1,948,000 | $ 487,000 | $ 279,000 |
| Miami-Dade County Florida | 4 | $ 1,204,000 | $ 301,000 | $ 531,000 |
| Palm Beach County Florida | 4 | $ 1,770,000 | $ 442,000 | $ 396,000 |
| Broward County Florida | 3 | $ 528,000 | $ 176,000 | $ 211,000 |
| Union County New Jersey | 3 | $ 945,000 | $ 315,000 | $ 135,000 |
| Delaware County New York | 3 | $ 961,000 | $ 320,000 | $ 461,000 |
| San Joaquin County California | 2 | $ 4,375,000 | $ 2,187,000 | $ 0 |
| New Haven County Connecticut | 2 | $ 590,000 | $ 295,000 | $ 93,000 |
| Collier County Florida | 2 | $ 550,000 | $ 275,000 | $ 121,000 |
| Ocean County New Jersey | 2 | $ 464,000 | $ 232,000 | $ 131,000 |
| Albany County New York | 2 | $ 392,000 | $ 196,000 | $ 242,000 |
| Columbia County New York | 2 | $ 625,000 | $ 312,000 | $ 162,000 |
| Sullivan County New York | 2 | $ 184,000 | $ 92,000 | $ 40,000 |
| Multnomah County Oregon | 2 | $ 405,000 | $ 202,000 | $ 165,000 |
| Delaware County Pennsylvania | 2 | $ 423,000 | $ 211,000 | $ 259,000 |
| Ellis County Texas | 2 | $ 4,515,000 | $ 2,257,000 | $ 0 |
| Alleghany County Virginia | 2 | $ 313,000 | $ 156,000 | $ 70,000 |
| Maricopa County Arizona | 1 | $ 216,000 | $ 216,000 | $ 136,000 |
| Alameda County California | 1 | $ 1,500,000 | $ 1,500,000 | $ 333,000 |
| Orange County California | 1 | $ 268,000 | $ 268,000 | $ 55,000 |
| Hartford County Connecticut | 1 | $ 130,000 | $ 130,000 | $ 56,000 |
| New Castle County Delaware | 1 | $ 149,000 | $ 149,000 | $ 54,000 |
| Hernando County Florida | 1 | $ 240,000 | $ 240,000 | $ 88,000 |
| Orange County Florida | 1 | $ 900,000 | $ 900,000 | $ 325,000 |
| Osceola County Florida | 1 | $ 72,000 | $ 72,000 | $ 126,000 |
| Putnam County Florida | 1 | $ 275,000 | $ 275,000 | $ 67,000 |
| Sarasota County Florida | 1 | $ 1,860,000 | $ 1,860,000 | $ 205,000 |
| Lafourche County Louisiana | 1 | $ 1,820,000 | $ 1,820,000 | $ 0 |
| Cumberland County Maine | 1 | $ 689,000 | $ 689,000 | $ 611,000 |
| Lincoln County Maine | 1 | $ 345,000 | $ 345,000 | $ 178,000 |
| Barnstable County Massachusetts | 1 | $ 128,000 | $ 128,000 | $ 78,000 |
| Middlesex County Massachusetts | 1 | $ 295,000 | $ 295,000 | $ 577,000 |
| Suffolk County Massachusetts | 1 | $ 203,000 | $ 203,000 | $ 275,000 |
| St. Louis County Missouri | 1 | $ 212,000 | $ 212,000 | $ 189,000 |
| Lewis and Clark County Montana | 1 | $ 118,000 | $ 118,000 | $ 27,000 |
| Rockingham County New Hampshire | 1 | $ 889,000 | $ 889,000 | $ 1,304,000 |
| Camden County New Jersey | 1 | $ 226,000 | $ 226,000 | $ 111,000 |
| Hunterdon County New Jersey | 1 | $ 172,000 | $ 172,000 | $ 44,000 |
| Mercer County New Jersey | 1 | $ 400,000 | $ 400,000 | $ 210,000 |
| Passaic County New Jersey | 1 | $ 2,700,000 | $ 2,700,000 | $ 0 |
| Somerset County New Jersey | 1 | $ 171,000 | $ 171,000 | $ 132,000 |
| Broome County New York | 1 | $ 336,000 | $ 336,000 | $ 305,000 |
| Essex County New York | 1 | $ 152,000 | $ 152,000 | $ 50,000 |
| Greene County New York | 1 | $ 302,000 | $ 302,000 | $ 81,000 |
| Warren County New York | 1 | $ 285,000 | $ 285,000 | $ 139,000 |
| Buncombe County North Carolina | 1 | $ 214,000 | $ 214,000 | $ 164,000 |
| Cabarrus County North Carolina | 1 | $ 268,000 | $ 268,000 | $ 219,000 |
| Carteret County North Carolina | 1 | $ 186,000 | $ 186,000 | $ 220,000 |
| Rowan County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 28,000 |
| Wake County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 49,000 |
| Tulsa County Oklahoma | 1 | $ 725,000 | $ 725,000 | $ 250,000 |
| Josephine County Oregon | 1 | $ 286,000 | $ 286,000 | $ 355,000 |
| Bucks County Pennsylvania | 1 | $ 394,000 | $ 394,000 | $ 90,000 |
| Pike County Pennsylvania | 1 | $ 194,000 | $ 194,000 | $ 140,000 |
| Wayne County Pennsylvania | 1 | $ 103,000 | $ 103,000 | $ 90,000 |
| York County Pennsylvania | 1 | $ 167,000 | $ 167,000 | $ 101,000 |
| Claiborne County Tennessee | 1 | $ 122,000 | $ 122,000 | $ 50,000 |
| Rutherford County Tennessee | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Windham County Vermont | 1 | $ 150,000 | $ 150,000 | $ 172,000 |
| Loudoun County Virginia | 1 | $ 576,000 | $ 576,000 | $ 107,000 |
| Stafford County Virginia | 1 | $ 200,000 | $ 200,000 | $ 91,000 |
| Teton County Wyoming | 1 | $ 362,000 | $ 362,000 | $ 115,000 |
Mortgage Loan Application Detail Totals for Sterling National Bank in 2016
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 | 1,043 | $505,539,000 | $484,000 | $14,000,000 | $171,000 | $3,946,000 |
| Refinancing | 376 | $161,232,000 | $428,000 | $8,000,000 | $196,000 | $4,396,000 |
| Home Improvement | 87 | $39,910,000 | $458,000 | $4,250,000 | $196,000 | $1,157,000 |
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 | 886 | $418,517,000 | $472,000 | $8,000,000 | $223,000 | $4,396,000 |
| Not applicable | 194 | $122,775,000 | $632,000 | $14,000,000 | $43,000 | $218,000 |
| Asian | 150 | $64,764,000 | $431,000 | $1,700,000 | $166,000 | $1,405,000 |
| Hispanic | 148 | $53,604,000 | $362,000 | $3,000,000 | $141,000 | $1,304,000 |
| Black or African American | 84 | $27,966,000 | $332,000 | $2,000,000 | $122,000 | $704,000 |
| Not Provided | 34 | $14,040,000 | $412,000 | $1,680,000 | $165,000 | $744,000 |
| American Indian or Alaskan Native | 5 | $3,046,000 | $609,000 | $1,860,000 | $143,000 | $252,000 |
| Native Hawaiin or Other Pacific Islander | 5 | $1,969,000 | $393,000 | $930,000 | $149,000 | $308,000 |
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) | 1,366 | $658,879,000 | $482,000 | $14,000,000 | $187,000 | $4,396,000 |
| FHA-insured (Federal Housing Administration) | 140 | $47,802,000 | $341,000 | $801,000 | $93,000 | $453,000 |
| 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 | 996 | $502,798,000 | $504,000 | $14,000,000 | $187,000 | $4,396,000 |
| Loan Purchased By The Institution | 162 | $29,836,000 | $184,000 | $533,000 | $50,000 | $84,000 |
| Application Approved But Not Accepted | 148 | $79,533,000 | $537,000 | $3,000,000 | $248,000 | $3,946,000 |
| Application Denied By Financial Institution | 113 | $53,123,000 | $470,000 | $1,950,000 | $191,000 | $1,696,000 |
| File Closed For Incompleteness | 62 | $28,029,000 | $452,000 | $4,250,000 | $204,000 | $794,000 |
| Application Withdrawn By Applicant | 25 | $13,362,000 | $534,000 | $1,496,000 | $158,000 | $673,000 |
| 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 | 48 | $23,255,000 | $484,000 | $1,700,000 | $119,000 | $615,000 |
| Collateral | 33 | $12,391,000 | $375,000 | $900,000 | $207,000 | $1,512,000 |
| Other | 11 | $5,199,000 | $472,000 | $825,000 | $348,000 | $1,696,000 |
| Credit History | 10 | $6,212,000 | $621,000 | $1,950,000 | $329,000 | $1,157,000 |
| Unverifiable Information | 5 | $2,899,000 | $579,000 | $1,800,000 | $195,000 | $651,000 |
| Employment History | 3 | $993,000 | $331,000 | $396,000 | $105,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $2,174,000 | $724,000 | $990,000 | $198,000 | $276,000 |
| Mortgage Insurance Denied | 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 2016 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.