Sterling National Mortgage Co. Mortgage Lending & HMDA Data, 2010
In 2010, Sterling National Mortgage Co. of Great Neck, NY reported 1,748 mortgage applications totaling $584.8 million, down 35% from 2009. The average application was for $334,536, and applicants reported an average income of $135,421. 77% of its applications resulted in an originated loan and 6% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (509), Nassau-Suffolk, NY (479) and Edison-New Brunswick, NJ (51) (applications in parentheses).
| Mortgage Company & Address | Sterling National Mortgage Co. 98 Cuttermill Rd Great Neck, NY 11021 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,748 |
| Total Mortgage Loan Application Amount | $584,770,000 |
| Average Mortgage Loan Application Amount | $334,536 |
| Highest Mortgage Loan Application Amount | $1,645,000 |
| Average Applicant Income | $135,421 |
| Highest Applicant Income | $2,150,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sterling National Mortgage Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nassau, New York | 263 | $ 103,147,000 | $ 392,193 | $ 175,000 |
| Suffolk, New York | 216 | $ 72,819,000 | $ 337,125 | $ 148,000 |
| Queens, New York | 140 | $ 52,175,000 | $ 372,678 | $ 128,000 |
| Kings, New York | 119 | $ 57,608,000 | $ 484,100 | $ 130,000 |
| Westchester, New York | 77 | $ 32,806,000 | $ 426,051 | $ 175,000 |
| New York, New York | 52 | $ 24,563,000 | $ 472,365 | $ 285,000 |
| Bergen, New Jersey | 29 | $ 11,300,000 | $ 389,655 | $ 132,000 |
| Fairfield, Connecticut | 24 | $ 9,691,000 | $ 403,791 | $ 136,000 |
| Richmond, New York | 23 | $ 8,076,000 | $ 351,130 | $ 106,000 |
| Bronx, New York | 22 | $ 8,063,000 | $ 366,500 | $ 102,000 |
| Rockland, New York | 21 | $ 8,972,000 | $ 427,238 | $ 134,000 |
| Monmouth, New Jersey | 20 | $ 7,217,000 | $ 360,850 | $ 134,000 |
| Middlesex, Massachusetts | 18 | $ 5,783,000 | $ 321,277 | $ 117,000 |
| Essex, New Jersey | 15 | $ 3,437,000 | $ 229,133 | $ 116,000 |
| Dutchess, New York | 15 | $ 3,746,000 | $ 249,733 | $ 84,000 |
| Orange, New York | 15 | $ 3,770,000 | $ 251,333 | $ 97,000 |
| Hudson, New Jersey | 14 | $ 5,586,000 | $ 399,000 | $ 136,000 |
| Middlesex, New Jersey | 14 | $ 3,743,000 | $ 267,357 | $ 100,000 |
| Morris, New Jersey | 14 | $ 5,231,000 | $ 373,642 | $ 136,000 |
| Essex, Massachusetts | 11 | $ 2,674,000 | $ 243,090 | $ 72,000 |
| Plymouth, Massachusetts | 11 | $ 2,738,000 | $ 248,909 | $ 79,000 |
| Montgomery, Maryland | 10 | $ 2,558,000 | $ 255,800 | $ 92,000 |
| Burlington, New Jersey | 10 | $ 2,338,000 | $ 233,800 | $ 78,000 |
| Ocean, New Jersey | 10 | $ 2,602,000 | $ 260,200 | $ 80,000 |
| Union, New Jersey | 9 | $ 3,258,000 | $ 362,000 | $ 165,000 |
| Worcester, Massachusetts | 8 | $ 2,229,000 | $ 278,625 | $ 97,000 |
| Rockingham, New Hampshire | 8 | $ 2,214,000 | $ 276,750 | $ 116,000 |
| Putnam, New York | 8 | $ 2,369,000 | $ 296,125 | $ 93,000 |
| Somerset, New Jersey | 7 | $ 2,077,000 | $ 296,714 | $ 265,000 |
| Philadelphia, Pennsylvania | 7 | $ 1,573,000 | $ 224,714 | $ 104,000 |
| Hartford, Connecticut | 6 | $ 1,351,000 | $ 225,166 | $ 93,000 |
| New London, Connecticut | 6 | $ 1,666,000 | $ 277,666 | $ 135,000 |
| Broward, Florida | 6 | $ 1,465,000 | $ 244,166 | $ 75,000 |
| Norfolk, Massachusetts | 6 | $ 1,395,000 | $ 232,500 | $ 76,000 |
| Erie, New York | 6 | $ 1,335,000 | $ 222,500 | $ 218,000 |
| Bucks, Pennsylvania | 6 | $ 1,347,000 | $ 224,500 | $ 74,000 |
| Chester, Pennsylvania | 6 | $ 1,641,000 | $ 273,500 | $ 118,000 |
| Montgomery, Pennsylvania | 6 | $ 1,675,000 | $ 279,166 | $ 90,000 |
| Jefferson, Colorado | 5 | $ 1,174,000 | $ 234,800 | $ 110,000 |
| Prince George's, Maryland | 5 | $ 1,073,000 | $ 214,600 | $ 70,000 |
| Cape May, New Jersey | 5 | $ 1,251,000 | $ 250,200 | $ 131,000 |
| Gloucester, New Jersey | 5 | $ 1,205,000 | $ 241,000 | $ 73,000 |
| Saratoga, New York | 5 | $ 1,230,000 | $ 246,000 | $ 93,000 |
| Ulster, New York | 5 | $ 1,064,000 | $ 212,800 | $ 77,000 |
| Delaware, Pennsylvania | 5 | $ 1,146,000 | $ 229,200 | $ 118,000 |
| Monroe, Pennsylvania | 5 | $ 873,000 | $ 174,600 | $ 74,000 |
| Arlington, Virginia | 5 | $ 2,070,000 | $ 414,000 | $ 118,000 |
| Fairfax, Virginia | 5 | $ 1,982,000 | $ 396,400 | $ 154,000 |
| Palm Beach, Florida | 4 | $ 1,085,000 | $ 271,250 | $ 164,000 |
| Lafourche, Louisiana | 4 | $ 639,000 | $ 159,750 | $ 54,000 |
| Harford, Maryland | 4 | $ 1,064,000 | $ 266,000 | $ 92,000 |
| Bristol, Massachusetts | 4 | $ 1,073,000 | $ 268,250 | $ 65,000 |
| Hampden, Massachusetts | 4 | $ 857,000 | $ 214,250 | $ 48,000 |
| Oakland, Michigan | 4 | $ 868,000 | $ 217,000 | $ 145,000 |
| Clark, Nevada | 4 | $ 849,000 | $ 212,250 | $ 124,000 |
| Camden, New Jersey | 4 | $ 746,000 | $ 186,500 | $ 107,000 |
| Passaic, New Jersey | 4 | $ 1,222,000 | $ 305,500 | $ 122,000 |
| Windham, Vermont | 4 | $ 947,000 | $ 236,750 | $ 234,000 |
| Maricopa, Arizona | 3 | $ 735,000 | $ 245,000 | $ 90,000 |
| Los Angeles, California | 3 | $ 2,373,000 | $ 791,000 | $ 567,000 |
| Tolland, Connecticut | 3 | $ 718,000 | $ 239,333 | $ 119,000 |
| Miami-Dade, Florida | 3 | $ 884,000 | $ 294,666 | $ 186,000 |
| Pinellas, Florida | 3 | $ 705,000 | $ 235,000 | $ 277,000 |
| Boundary, Idaho | 3 | $ 449,000 | $ 149,666 | $ 30,000 |
| Cumberland, Maine | 3 | $ 835,000 | $ 278,333 | $ 49,000 |
| Lincoln, Maine | 3 | $ 786,000 | $ 262,000 | $ 111,000 |
| Anne Arundel, Maryland | 3 | $ 826,000 | $ 275,333 | $ 138,000 |
| Howard, Maryland | 3 | $ 741,000 | $ 247,000 | $ 76,000 |
| Barnstable, Massachusetts | 3 | $ 964,000 | $ 321,333 | $ 96,000 |
| Suffolk, Massachusetts | 3 | $ 821,000 | $ 273,666 | $ 114,000 |
| Hillsborough, New Hampshire | 3 | $ 517,000 | $ 172,333 | $ 107,000 |
| Merrimack, New Hampshire | 3 | $ 678,000 | $ 226,000 | $ 52,000 |
| Mercer, New Jersey | 3 | $ 703,000 | $ 234,333 | $ 98,000 |
| Monroe, New York | 3 | $ 809,000 | $ 269,666 | $ 90,000 |
| Warren, New York | 3 | $ 670,000 | $ 223,333 | $ 102,000 |
| Oklahoma, Oklahoma | 3 | $ 515,000 | $ 171,666 | $ 115,000 |
| Clackamas, Oregon | 3 | $ 945,000 | $ 315,000 | $ 119,000 |
| Lancaster, Pennsylvania | 3 | $ 524,000 | $ 174,666 | $ 90,000 |
| Luzerne, Pennsylvania | 3 | $ 619,000 | $ 206,333 | $ 90,000 |
| Greenville, South Carolina | 3 | $ 757,000 | $ 252,333 | $ 79,000 |
| Polk, Tennessee | 3 | $ 789,000 | $ 263,000 | $ 68,000 |
| Chittenden, Vermont | 3 | $ 855,000 | $ 285,000 | $ 103,000 |
| Henrico, Virginia | 3 | $ 750,000 | $ 250,000 | $ 63,000 |
| Prince William, Virginia | 3 | $ 631,000 | $ 210,333 | $ 83,000 |
| Stafford, Virginia | 3 | $ 1,277,000 | $ 425,666 | $ 170,000 |
| King, Washington | 3 | $ 887,000 | $ 295,666 | $ 80,000 |
| La Plata, Colorado | 2 | $ 565,000 | $ 282,500 | $ 58,000 |
| Kent, Delaware | 2 | $ 587,000 | $ 293,500 | $ 80,000 |
| Hillsborough, Florida | 2 | $ 418,000 | $ 209,000 | $ 95,000 |
| Orange, Florida | 2 | $ 336,000 | $ 168,000 | $ 65,000 |
| Sarasota, Florida | 2 | $ 434,000 | $ 217,000 | $ 93,000 |
| Walton, Florida | 2 | $ 416,000 | $ 208,000 | $ 130,000 |
| Cherokee, Georgia | 2 | $ 1,000,000 | $ 500,000 | $ 251,000 |
| DeKalb, Georgia | 2 | $ 371,000 | $ 185,500 | $ 88,000 |
| Story, Iowa | 2 | $ 418,000 | $ 209,000 | $ 81,000 |
| Graves, Kentucky | 2 | $ 339,000 | $ 169,500 | $ 93,000 |
| Pulaski, Kentucky | 2 | $ 495,000 | $ 247,500 | $ 47,000 |
| East Baton Rouge, Louisiana | 2 | $ 493,000 | $ 246,500 | $ 96,000 |
| Lafayette, Louisiana | 2 | $ 396,000 | $ 198,000 | $ 121,000 |
| Baltimore City, Maryland | 2 | $ 435,000 | $ 217,500 | $ 69,000 |
| Worcester, Maryland | 2 | $ 465,000 | $ 232,500 | $ 133,000 |
| Hampshire, Massachusetts | 2 | $ 434,000 | $ 217,000 | $ 111,000 |
| Grand Traverse, Michigan | 2 | $ 290,000 | $ 145,000 | $ 59,000 |
| Kalamazoo, Michigan | 2 | $ 431,000 | $ 215,500 | $ 89,000 |
| Washtenaw, Michigan | 2 | $ 606,000 | $ 303,000 | $ 118,000 |
| Wayne, Michigan | 2 | $ 458,000 | $ 229,000 | $ 105,000 |
| Ramsey, Minnesota | 2 | $ 669,000 | $ 334,500 | $ 70,000 |
| DeSoto, Mississippi | 2 | $ 485,000 | $ 242,500 | $ 61,000 |
| Hinds, Mississippi | 2 | $ 404,000 | $ 202,000 | $ 59,000 |
| Belknap, New Hampshire | 2 | $ 368,000 | $ 184,000 | $ 65,000 |
| Atlantic, New Jersey | 2 | $ 441,000 | $ 220,500 | $ 84,000 |
| Sussex, New Jersey | 2 | $ 624,000 | $ 312,000 | $ 77,000 |
| Warren, New Jersey | 2 | $ 457,000 | $ 228,500 | $ 101,000 |
| Albany, New York | 2 | $ 281,000 | $ 140,500 | $ 107,000 |
| Clinton, New York | 2 | $ 340,000 | $ 170,000 | $ 90,000 |
| Essex, New York | 2 | $ 432,000 | $ 216,000 | $ 111,000 |
| Greene, New York | 2 | $ 256,000 | $ 128,000 | $ 146,000 |
| Rensselaer, New York | 2 | $ 478,000 | $ 239,000 | $ 85,000 |
| Franklin, Ohio | 2 | $ 320,000 | $ 160,000 | $ 83,000 |
| Medina, Ohio | 2 | $ 478,000 | $ 239,000 | $ 100,000 |
| Summit, Ohio | 2 | $ 337,000 | $ 168,500 | $ 100,000 |
| Tulsa, Oklahoma | 2 | $ 604,000 | $ 302,000 | $ 98,000 |
| Marion, Oregon | 2 | $ 394,000 | $ 197,000 | $ 81,000 |
| Allegheny, Pennsylvania | 2 | $ 560,000 | $ 280,000 | $ 114,000 |
| Northampton, Pennsylvania | 2 | $ 448,000 | $ 224,000 | $ 93,000 |
| Pike, Pennsylvania | 2 | $ 509,000 | $ 254,500 | $ 79,000 |
| Westmoreland, Pennsylvania | 2 | $ 377,000 | $ 188,500 | $ 50,000 |
| York, Pennsylvania | 2 | $ 426,000 | $ 213,000 | $ 61,000 |
| Charleston, South Carolina | 2 | $ 523,000 | $ 261,500 | $ 157,000 |
| Horry, South Carolina | 2 | $ 418,000 | $ 209,000 | $ 61,000 |
| Davidson, Tennessee | 2 | $ 1,391,000 | $ 695,500 | $ 308,000 |
| Hamilton, Tennessee | 2 | $ 356,000 | $ 178,000 | $ 46,000 |
| Rutherford, Tennessee | 2 | $ 450,000 | $ 225,000 | $ 84,000 |
| Salt Lake, Utah | 2 | $ 410,000 | $ 205,000 | $ 50,000 |
| Wasatch, Utah | 2 | $ 465,000 | $ 232,500 | $ 235,000 |
| Franklin, Vermont | 2 | $ 434,000 | $ 217,000 | $ 73,000 |
| Windsor, Vermont | 2 | $ 495,000 | $ 247,500 | $ 58,000 |
| Alexandria, Virginia | 2 | $ 945,000 | $ 472,500 | $ 303,000 |
| Chesterfield, Virginia | 2 | $ 753,000 | $ 376,500 | $ 66,000 |
| Fauquier, Virginia | 2 | $ 654,000 | $ 327,000 | $ 111,000 |
| Gloucester, Virginia | 2 | $ 482,000 | $ 241,000 | $ 69,000 |
| Newport News, Virginia | 2 | $ 280,000 | $ 140,000 | $ 35,000 |
| Washington, Wisconsin | 2 | $ 439,000 | $ 219,500 | $ 56,000 |
| Waukesha, Wisconsin | 2 | $ 486,000 | $ 243,000 | $ 78,000 |
| Elmore, Alabama | 1 | $ 279,000 | $ 279,000 | $ 0 |
| Madison, Alabama | 1 | $ 300,000 | $ 300,000 | $ 131,000 |
| Yuma, Arizona | 1 | $ 311,000 | $ 311,000 | $ 89,000 |
| Garland, Arkansas | 1 | $ 259,000 | $ 259,000 | $ 87,000 |
| Pope, Arkansas | 1 | $ 233,000 | $ 233,000 | $ 76,000 |
| Pulaski, Arkansas | 1 | $ 192,000 | $ 192,000 | $ 110,000 |
| Saline, Arkansas | 1 | $ 112,000 | $ 112,000 | $ 95,000 |
| Placer, California | 1 | $ 258,000 | $ 258,000 | $ 133,000 |
| San Diego, California | 1 | $ 206,000 | $ 206,000 | $ 364,000 |
| Sutter, California | 1 | $ 214,000 | $ 214,000 | $ 90,000 |
| Eagle, Colorado | 1 | $ 361,000 | $ 361,000 | $ 0 |
| El Paso, Colorado | 1 | $ 133,000 | $ 133,000 | $ 0 |
| New Haven, Connecticut | 1 | $ 315,000 | $ 315,000 | $ 167,000 |
| New Castle, Delaware | 1 | $ 296,000 | $ 296,000 | $ 88,000 |
| Sussex, Delaware | 1 | $ 408,000 | $ 408,000 | $ 212,000 |
| Bay, Florida | 1 | $ 158,000 | $ 158,000 | $ 65,000 |
| Brevard, Florida | 1 | $ 83,000 | $ 83,000 | $ 54,000 |
| Charlotte, Florida | 1 | $ 90,000 | $ 90,000 | $ 72,000 |
| Marion, Florida | 1 | $ 77,000 | $ 77,000 | $ 110,000 |
| Martin, Florida | 1 | $ 220,000 | $ 220,000 | $ 128,000 |
| Monroe, Florida | 1 | $ 300,000 | $ 300,000 | $ 96,000 |
| Pasco, Florida | 1 | $ 299,000 | $ 299,000 | $ 135,000 |
| St. Johns, Florida | 1 | $ 238,000 | $ 238,000 | $ 63,000 |
| Sumter, Florida | 1 | $ 171,000 | $ 171,000 | $ 103,000 |
| Volusia, Florida | 1 | $ 158,000 | $ 158,000 | $ 48,000 |
| Bartow, Georgia | 1 | $ 158,000 | $ 158,000 | $ 62,000 |
| Bibb, Georgia | 1 | $ 266,000 | $ 266,000 | $ 189,000 |
| Butts, Georgia | 1 | $ 240,000 | $ 240,000 | $ 81,000 |
| Camden, Georgia | 1 | $ 195,000 | $ 195,000 | $ 99,000 |
| Candler, Georgia | 1 | $ 296,000 | $ 296,000 | $ 156,000 |
| Columbia, Georgia | 1 | $ 615,000 | $ 615,000 | $ 299,000 |
| Fulton, Georgia | 1 | $ 210,000 | $ 210,000 | $ 70,000 |
| Gwinnett, Georgia | 1 | $ 160,000 | $ 160,000 | $ 98,000 |
| Hall, Georgia | 1 | $ 347,000 | $ 347,000 | $ 143,000 |
| Haralson, Georgia | 1 | $ 180,000 | $ 180,000 | $ 60,000 |
| Hart, Georgia | 1 | $ 212,000 | $ 212,000 | $ 73,000 |
| Houston, Georgia | 1 | $ 332,000 | $ 332,000 | $ 110,000 |
| Oconee, Georgia | 1 | $ 259,000 | $ 259,000 | $ 51,000 |
| Paulding, Georgia | 1 | $ 265,000 | $ 265,000 | $ 141,000 |
| Pickens, Georgia | 1 | $ 243,000 | $ 243,000 | $ 61,000 |
| Ada, Idaho | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Boise, Idaho | 1 | $ 148,000 | $ 148,000 | $ 100,000 |
| Bonneville, Idaho | 1 | $ 193,000 | $ 193,000 | $ 84,000 |
| Canyon, Idaho | 1 | $ 274,000 | $ 274,000 | $ 0 |
| Minidoka, Idaho | 1 | $ 168,000 | $ 168,000 | $ 71,000 |
| Cook, Illinois | 1 | $ 274,000 | $ 274,000 | $ 75,000 |
| Madison, Indiana | 1 | $ 253,000 | $ 253,000 | $ 125,000 |
| Noble, Indiana | 1 | $ 196,000 | $ 196,000 | $ 116,000 |
| Posey, Indiana | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Clay, Kansas | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Leavenworth, Kansas | 1 | $ 172,000 | $ 172,000 | $ 71,000 |
| Campbell, Kentucky | 1 | $ 236,000 | $ 236,000 | $ 120,000 |
| Floyd, Kentucky | 1 | $ 202,000 | $ 202,000 | $ 90,000 |
| Greenup, Kentucky | 1 | $ 262,000 | $ 262,000 | $ 177,000 |
| Jefferson, Kentucky | 1 | $ 220,000 | $ 220,000 | $ 87,000 |
| Lawrence, Kentucky | 1 | $ 188,000 | $ 188,000 | $ 103,000 |
| Beauregard, Louisiana | 1 | $ 215,000 | $ 215,000 | $ 125,000 |
| Bossier, Louisiana | 1 | $ 225,000 | $ 225,000 | $ 153,000 |
| Caddo, Louisiana | 1 | $ 219,000 | $ 219,000 | $ 87,000 |
| Iberville, Louisiana | 1 | $ 182,000 | $ 182,000 | $ 110,000 |
| Natchitoches, Louisiana | 1 | $ 213,000 | $ 213,000 | $ 74,000 |
| Orleans, Louisiana | 1 | $ 210,000 | $ 210,000 | $ 97,000 |
| St. Tammany, Louisiana | 1 | $ 284,000 | $ 284,000 | $ 83,000 |
| Terrebonne, Louisiana | 1 | $ 292,000 | $ 292,000 | $ 124,000 |
| Vermilion, Louisiana | 1 | $ 197,000 | $ 197,000 | $ 98,000 |
| Androscoggin, Maine | 1 | $ 142,000 | $ 142,000 | $ 63,000 |
| Aroostook, Maine | 1 | $ 178,000 | $ 178,000 | $ 38,000 |
| Penobscot, Maine | 1 | $ 247,000 | $ 247,000 | $ 60,000 |
| York, Maine | 1 | $ 196,000 | $ 196,000 | $ 58,000 |
| Carroll, Maryland | 1 | $ 155,000 | $ 155,000 | $ 28,000 |
| Cecil, Maryland | 1 | $ 270,000 | $ 270,000 | $ 117,000 |
| Charles, Maryland | 1 | $ 238,000 | $ 238,000 | $ 167,000 |
| Frederick, Maryland | 1 | $ 353,000 | $ 353,000 | $ 160,000 |
| Dukes, Massachusetts | 1 | $ 500,000 | $ 500,000 | $ 98,000 |
| Nantucket, Massachusetts | 1 | $ 225,000 | $ 225,000 | $ 398,000 |
| Allegan, Michigan | 1 | $ 202,000 | $ 202,000 | $ 137,000 |
| Alpena, Michigan | 1 | $ 189,000 | $ 189,000 | $ 531,000 |
| Berrien, Michigan | 1 | $ 126,000 | $ 126,000 | $ 82,000 |
| Genesee, Michigan | 1 | $ 136,000 | $ 136,000 | $ 66,000 |
| Jackson, Michigan | 1 | $ 142,000 | $ 142,000 | $ 130,000 |
| Kalkaska, Michigan | 1 | $ 180,000 | $ 180,000 | $ 119,000 |
| Lenawee, Michigan | 1 | $ 174,000 | $ 174,000 | $ 145,000 |
| Macomb, Michigan | 1 | $ 137,000 | $ 137,000 | $ 120,000 |
| St. Joseph, Michigan | 1 | $ 187,000 | $ 187,000 | $ 48,000 |
| Wexford, Michigan | 1 | $ 208,000 | $ 208,000 | $ 85,000 |
| Washington, Minnesota | 1 | $ 237,000 | $ 237,000 | $ 0 |
| Amite, Mississippi | 1 | $ 241,000 | $ 241,000 | $ 517,000 |
| Harrison, Mississippi | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Pike, Mississippi | 1 | $ 136,000 | $ 136,000 | $ 66,000 |
| Callaway, Missouri | 1 | $ 168,000 | $ 168,000 | $ 35,000 |
| Jackson, Missouri | 1 | $ 290,000 | $ 290,000 | $ 41,000 |
| Pettis, Missouri | 1 | $ 134,000 | $ 134,000 | $ 58,000 |
| St. Louis, Missouri | 1 | $ 250,000 | $ 250,000 | $ 412,000 |
| Churchill, Nevada | 1 | $ 147,000 | $ 147,000 | $ 87,000 |
| Elko, Nevada | 1 | $ 207,000 | $ 207,000 | $ 76,000 |
| Washoe, Nevada | 1 | $ 273,000 | $ 273,000 | $ 116,000 |
| Carroll, New Hampshire | 1 | $ 188,000 | $ 188,000 | $ 61,000 |
| Cheshire, New Hampshire | 1 | $ 230,000 | $ 230,000 | $ 49,000 |
| Strafford, New Hampshire | 1 | $ 341,000 | $ 341,000 | $ 102,000 |
| Salem, New Jersey | 1 | $ 230,000 | $ 230,000 | $ 58,000 |
| Dona Ana, New Mexico | 1 | $ 128,000 | $ 128,000 | $ 47,000 |
| Santa Fe, New Mexico | 1 | $ 308,000 | $ 308,000 | $ 103,000 |
| Chautauqua, New York | 1 | $ 58,000 | $ 58,000 | $ 24,000 |
| Columbia, New York | 1 | $ 267,000 | $ 267,000 | $ 948,000 |
| Delaware, New York | 1 | $ 220,000 | $ 220,000 | $ 204,000 |
| Fulton, New York | 1 | $ 274,000 | $ 274,000 | $ 74,000 |
| Jefferson, New York | 1 | $ 154,000 | $ 154,000 | $ 58,000 |
| Lewis, New York | 1 | $ 270,000 | $ 270,000 | $ 60,000 |
| Niagara, New York | 1 | $ 161,000 | $ 161,000 | $ 66,000 |
| Otsego, New York | 1 | $ 151,000 | $ 151,000 | $ 64,000 |
| Schoharie, New York | 1 | $ 232,000 | $ 232,000 | $ 91,000 |
| Steuben, New York | 1 | $ 145,000 | $ 145,000 | $ 128,000 |
| Sullivan, New York | 1 | $ 216,000 | $ 216,000 | $ 44,000 |
| Washington, New York | 1 | $ 229,000 | $ 229,000 | $ 39,000 |
| Wayne, New York | 1 | $ 209,000 | $ 209,000 | $ 117,000 |
| Durham, North Carolina | 1 | $ 179,000 | $ 179,000 | $ 114,000 |
| Henderson, North Carolina | 1 | $ 197,000 | $ 197,000 | $ 33,000 |
| New Hanover, North Carolina | 1 | $ 350,000 | $ 350,000 | $ 128,000 |
| Ashtabula, Ohio | 1 | $ 261,000 | $ 261,000 | $ 64,000 |
| Auglaize, Ohio | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Butler, Ohio | 1 | $ 195,000 | $ 195,000 | $ 133,000 |
| Cuyahoga, Ohio | 1 | $ 304,000 | $ 304,000 | $ 81,000 |
| Hamilton, Ohio | 1 | $ 202,000 | $ 202,000 | $ 142,000 |
| Harrison, Ohio | 1 | $ 243,000 | $ 243,000 | $ 135,000 |
| Lake, Ohio | 1 | $ 78,000 | $ 78,000 | $ 132,000 |
| Montgomery, Ohio | 1 | $ 90,000 | $ 90,000 | $ 99,000 |
| Stark, Ohio | 1 | $ 183,000 | $ 183,000 | $ 62,000 |
| Warren, Ohio | 1 | $ 108,000 | $ 108,000 | $ 33,000 |
| Josephine, Oregon | 1 | $ 132,000 | $ 132,000 | $ 70,000 |
| Klamath, Oregon | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
| Lake, Oregon | 1 | $ 258,000 | $ 258,000 | $ 66,000 |
| Lane, Oregon | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| Lincoln, Oregon | 1 | $ 112,000 | $ 112,000 | $ 80,000 |
| Multnomah, Oregon | 1 | $ 228,000 | $ 228,000 | $ 158,000 |
| Polk, Oregon | 1 | $ 196,000 | $ 196,000 | $ 55,000 |
| Washington, Oregon | 1 | $ 240,000 | $ 240,000 | $ 49,000 |
| Yamhill, Oregon | 1 | $ 317,000 | $ 317,000 | $ 106,000 |
| Adams, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| Beaver, Pennsylvania | 1 | $ 260,000 | $ 260,000 | $ 139,000 |
| Berks, Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 64,000 |
| Butler, Pennsylvania | 1 | $ 187,000 | $ 187,000 | $ 44,000 |
| Cambria, Pennsylvania | 1 | $ 174,000 | $ 174,000 | $ 64,000 |
| Clinton, Pennsylvania | 1 | $ 176,000 | $ 176,000 | $ 49,000 |
| Dauphin, Pennsylvania | 1 | $ 183,000 | $ 183,000 | $ 81,000 |
| Huntingdon, Pennsylvania | 1 | $ 234,000 | $ 234,000 | $ 64,000 |
| Lebanon, Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
| Mifflin, Pennsylvania | 1 | $ 171,000 | $ 171,000 | $ 166,000 |
| Wayne, Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 228,000 |
| Newport, Rhode Island | 1 | $ 362,000 | $ 362,000 | $ 107,000 |
| Washington, Rhode Island | 1 | $ 399,000 | $ 399,000 | $ 132,000 |
| Beaufort, South Carolina | 1 | $ 310,000 | $ 310,000 | $ 111,000 |
| Dorchester, South Carolina | 1 | $ 229,000 | $ 229,000 | $ 82,000 |
| Georgetown, South Carolina | 1 | $ 172,000 | $ 172,000 | $ 99,000 |
| Greenwood, South Carolina | 1 | $ 217,000 | $ 217,000 | $ 55,000 |
| Oconee, South Carolina | 1 | $ 284,000 | $ 284,000 | $ 63,000 |
| Richland, South Carolina | 1 | $ 417,000 | $ 417,000 | $ 113,000 |
| Spartanburg, South Carolina | 1 | $ 161,000 | $ 161,000 | $ 0 |
| York, South Carolina | 1 | $ 267,000 | $ 267,000 | $ 54,000 |
| Franklin, Tennessee | 1 | $ 208,000 | $ 208,000 | $ 56,000 |
| Maury, Tennessee | 1 | $ 161,000 | $ 161,000 | $ 67,000 |
| Robertson, Tennessee | 1 | $ 221,000 | $ 221,000 | $ 53,000 |
| Sevier, Tennessee | 1 | $ 277,000 | $ 277,000 | $ 78,000 |
| Sumner, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 64,000 |
| Washington, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 73,000 |
| Williamson, Tennessee | 1 | $ 228,000 | $ 228,000 | $ 65,000 |
| Fort Bend, Texas | 1 | $ 383,000 | $ 383,000 | $ 315,000 |
| Harris, Texas | 1 | $ 276,000 | $ 276,000 | $ 83,000 |
| Davis, Utah | 1 | $ 320,000 | $ 320,000 | $ 127,000 |
| Utah, Utah | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Addison, Vermont | 1 | $ 168,000 | $ 168,000 | $ 102,000 |
| Lamoille, Vermont | 1 | $ 227,000 | $ 227,000 | $ 53,000 |
| Accomack, Virginia | 1 | $ 205,000 | $ 205,000 | $ 46,000 |
| Appomattox, Virginia | 1 | $ 243,000 | $ 243,000 | $ 97,000 |
| Campbell, Virginia | 1 | $ 189,000 | $ 189,000 | $ 81,000 |
| Carroll, Virginia | 1 | $ 157,000 | $ 157,000 | $ 65,000 |
| Cumberland, Virginia | 1 | $ 150,000 | $ 150,000 | $ 94,000 |
| Fairfax City, Virginia | 1 | $ 506,000 | $ 506,000 | $ 135,000 |
| Falls Church, Virginia | 1 | $ 410,000 | $ 410,000 | $ 126,000 |
| Isle of Wight, Virginia | 1 | $ 280,000 | $ 280,000 | $ 43,000 |
| Loudoun, Virginia | 1 | $ 300,000 | $ 300,000 | $ 120,000 |
| Manassas, Virginia | 1 | $ 236,000 | $ 236,000 | $ 70,000 |
| Mecklenburg, Virginia | 1 | $ 221,000 | $ 221,000 | $ 58,000 |
| Middlesex, Virginia | 1 | $ 158,000 | $ 158,000 | $ 83,000 |
| Orange, Virginia | 1 | $ 326,000 | $ 326,000 | $ 272,000 |
| Page, Virginia | 1 | $ 300,000 | $ 300,000 | $ 497,000 |
| Portsmouth, Virginia | 1 | $ 182,000 | $ 182,000 | $ 116,000 |
| Prince George, Virginia | 1 | $ 200,000 | $ 200,000 | $ 87,000 |
| Rappahannock, Virginia | 1 | $ 417,000 | $ 417,000 | $ 91,000 |
| Rockingham, Virginia | 1 | $ 233,000 | $ 233,000 | $ 54,000 |
| Spotsylvania, Virginia | 1 | $ 237,000 | $ 237,000 | $ 98,000 |
| Virginia Beach, Virginia | 1 | $ 266,000 | $ 266,000 | $ 63,000 |
| Clark, Washington | 1 | $ 311,000 | $ 311,000 | $ 144,000 |
| Grays Harbor, Washington | 1 | $ 164,000 | $ 164,000 | $ 51,000 |
| Wood, West Virginia | 1 | $ 235,000 | $ 235,000 | $ 155,000 |
| Dane, Wisconsin | 1 | $ 281,000 | $ 281,000 | $ 131,000 |
| Fond du Lac, Wisconsin | 1 | $ 212,000 | $ 212,000 | $ 90,000 |
| Milwaukee, Wisconsin | 1 | $ 238,000 | $ 238,000 | $ 79,000 |
| Ozaukee, Wisconsin | 1 | $ 226,000 | $ 226,000 | $ 70,000 |
| Rusk, Wisconsin | 1 | $ 141,000 | $ 141,000 | $ 72,000 |
| St. Croix, Wisconsin | 1 | $ 239,000 | $ 239,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for Sterling National Mortgage Co. in 2010
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 | 1,196 | $377,331,000 | $315,000 | $1,400,000 | $131,000 | $1,669,000 |
| Home Purchase | 552 | $207,439,000 | $375,000 | $1,645,000 | $145,000 | $2,150,000 |
| Home Improvement | 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 | 1,380 | $461,017,000 | $334,000 | $1,645,000 | $142,000 | $2,150,000 |
| Black or African American | 123 | $39,913,000 | $324,000 | $730,000 | $102,000 | $517,000 |
| Hispanic | 107 | $33,127,000 | $309,000 | $741,000 | $102,000 | $825,000 |
| Asian | 80 | $29,532,000 | $369,000 | $750,000 | $118,000 | $497,000 |
| Not Provided | 54 | $20,466,000 | $379,000 | $1,238,000 | $137,000 | $641,000 |
| American Indian or Alaskan Native | 4 | $715,000 | $178,000 | $213,000 | $65,000 | $98,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,030 | $342,231,000 | $332,000 | $1,645,000 | $157,000 | $2,150,000 |
| FHA-insured (Federal Housing Administration) | 718 | $242,539,000 | $337,000 | $951,000 | $105,000 | $587,000 |
| 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 | 1,352 | $447,439,000 | $330,000 | $1,645,000 | $135,000 | $2,150,000 |
| Application Withdrawn By Applicant | 141 | $47,633,000 | $337,000 | $1,400,000 | $166,000 | $1,669,000 |
| File Closed For Incompleteness | 120 | $42,977,000 | $358,000 | $1,400,000 | $119,000 | $897,000 |
| Application Denied By Financial Institution | 107 | $37,594,000 | $351,000 | $850,000 | $128,000 | $1,857,000 |
| Application Approved But Not Accepted | 28 | $9,127,000 | $325,000 | $936,000 | $114,000 | $260,000 |
| 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 | 38 | $12,905,000 | $339,000 | $664,000 | $74,000 | $303,000 |
| Other | 33 | $13,149,000 | $398,000 | $850,000 | $193,000 | $1,857,000 |
| Collateral | 18 | $5,313,000 | $295,000 | $713,000 | $133,000 | $364,000 |
| Credit History | 10 | $2,572,000 | $257,000 | $645,000 | $78,000 | $167,000 |
| Employment History | 3 | $1,351,000 | $450,000 | $666,000 | $89,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,104,000 | $552,000 | $730,000 | $394,000 | $665,000 |
| Unverifiable Information | 2 | $976,000 | $488,000 | $631,000 | $103,000 | $125,000 |
| Mortgage Insurance Denied | 1 | $224,000 | $224,000 | $224,000 | $103,000 | $103,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sterling National Mortgage Co.'s 2010 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 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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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