Sterling Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Sterling Savings Bank 2003 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 Savings Bank 111 N Wall Spokane, WA 99205 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 1,728 |
| Total Mortgage Loan Application Amount | $144,989,000 |
| Average Mortgage Loan Application Amount | $138,272 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $82,772 |
| Highest Applicant Income | $2,515,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Sterling Savings 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 Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Sterling Savings 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 Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Sterling Savings 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 Savings Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lewis County Washington | 156 | $ 10,775,000 | $ 69,000 | $ 209,000 |
| Spokane County Washington | 134 | $ 16,052,000 | $ 119,000 | $ 196,000 |
| Grays Harbor County Washington | 120 | $ 7,590,000 | $ 63,000 | $ 45,000 |
| Kittitas County Washington | 111 | $ 9,193,000 | $ 82,000 | $ 66,000 |
| Multnomah County Oregon | 86 | $ 10,198,000 | $ 118,000 | $ 65,000 |
| Thurston County Washington | 73 | $ 5,427,000 | $ 74,000 | $ 45,000 |
| Walla Walla County Washington | 71 | $ 4,683,000 | $ 65,000 | $ 40,000 |
| King County Washington | 62 | $ 9,897,000 | $ 159,000 | $ 47,000 |
| Idaho County Idaho | 59 | $ 4,172,000 | $ 70,000 | $ 89,000 |
| Valley County Idaho | 58 | $ 2,947,000 | $ 50,000 | $ 42,000 |
| Kootenai County Idaho | 57 | $ 5,224,000 | $ 91,000 | $ 75,000 |
| Klickitat County Washington | 57 | $ 4,003,000 | $ 70,000 | $ 50,000 |
| Benton County Washington | 48 | $ 4,018,000 | $ 83,000 | $ 48,000 |
| Whatcom County Washington | 44 | $ 3,618,000 | $ 82,000 | $ 65,000 |
| Grant County Washington | 42 | $ 2,765,000 | $ 65,000 | $ 40,000 |
| Latah County Idaho | 38 | $ 2,247,000 | $ 59,000 | $ 53,000 |
| Asotin County Washington | 38 | $ 2,116,000 | $ 55,000 | $ 48,000 |
| Okanogan County Washington | 38 | $ 2,982,000 | $ 78,000 | $ 50,000 |
| Ravalli County Montana | 30 | $ 1,488,000 | $ 49,000 | $ 51,000 |
| Lewis County Idaho | 28 | $ 1,737,000 | $ 62,000 | $ 45,000 |
| Adams County Washington | 21 | $ 1,199,000 | $ 57,000 | $ 38,000 |
| Pierce County Washington | 20 | $ 2,077,000 | $ 103,000 | $ 66,000 |
| Whitman County Washington | 20 | $ 1,363,000 | $ 68,000 | $ 49,000 |
| Nez Perce County Idaho | 19 | $ 1,016,000 | $ 53,000 | $ 36,000 |
| Clark County Washington | 19 | $ 1,588,000 | $ 83,000 | $ 43,000 |
| Columbia County Washington | 19 | $ 1,726,000 | $ 90,000 | $ 56,000 |
| Mason County Washington | 19 | $ 1,175,000 | $ 61,000 | $ 55,000 |
| Polk County Oregon | 18 | $ 967,000 | $ 53,000 | $ 49,000 |
| Franklin County Washington | 18 | $ 1,336,000 | $ 74,000 | $ 56,000 |
| Missoula County Montana | 16 | $ 1,344,000 | $ 84,000 | $ 42,000 |
| Clallam County Washington | 15 | $ 1,331,000 | $ 88,000 | $ 59,000 |
| Garfield County Washington | 14 | $ 699,000 | $ 49,000 | $ 34,000 |
| Park County Montana | 12 | $ 612,000 | $ 51,000 | $ 29,000 |
| Douglas County Washington | 10 | $ 574,000 | $ 57,000 | $ 21,000 |
| Kitsap County Washington | 8 | $ 573,000 | $ 71,000 | $ 69,000 |
| Bonner County Idaho | 7 | $ 1,142,000 | $ 163,000 | $ 231,000 |
| Marion County Oregon | 7 | $ 374,000 | $ 53,000 | $ 119,000 |
| Adams County Idaho | 6 | $ 423,000 | $ 70,000 | $ 47,000 |
| Gallatin County Montana | 6 | $ 239,000 | $ 39,000 | $ 64,000 |
| Clackamas County Oregon | 6 | $ 2,458,000 | $ 409,000 | $ 139,000 |
| Washington County Oregon | 6 | $ 664,000 | $ 110,000 | $ 121,000 |
| Lincoln County Washington | 6 | $ 448,000 | $ 74,000 | $ 52,000 |
| Skamania County Washington | 6 | $ 465,000 | $ 77,000 | $ 35,000 |
| Clearwater County Idaho | 5 | $ 219,000 | $ 43,000 | $ 64,000 |
| Linn County Oregon | 5 | $ 516,000 | $ 103,000 | $ 70,000 |
| Snohomish County Washington | 5 | $ 632,000 | $ 126,000 | $ 104,000 |
| Yakima County Washington | 5 | $ 1,216,000 | $ 243,000 | $ 37,000 |
| Columbia County Oregon | 4 | $ 370,000 | $ 92,000 | $ 106,000 |
| Lane County Oregon | 4 | $ 441,000 | $ 110,000 | $ 122,000 |
| Umatilla County Oregon | 4 | $ 276,000 | $ 69,000 | $ 62,000 |
| Ada County Idaho | 3 | $ 362,000 | $ 120,000 | $ 123,000 |
| Sweet Grass County Montana | 3 | $ 1,646,000 | $ 548,000 | $ 263,000 |
| Yellowstone County Montana | 3 | $ 28,000 | $ 9,000 | $ 44,000 |
| Chelan County Washington | 3 | $ 252,000 | $ 84,000 | $ 50,000 |
| Pacific County Washington | 3 | $ 160,000 | $ 53,000 | $ 28,000 |
| Stevens County Washington | 3 | $ 701,000 | $ 233,000 | $ 108,000 |
| Benewah County Idaho | 2 | $ 51,000 | $ 25,000 | $ 21,000 |
| Cowlitz County Washington | 2 | $ 381,000 | $ 190,000 | $ 11,000 |
| Island County Washington | 2 | $ 71,000 | $ 35,000 | $ 126,000 |
| Anchorage County Alaska | 1 | $ 272,000 | $ 272,000 | $ 181,000 |
| Kenai Peninsula County Alaska | 1 | $ 38,000 | $ 38,000 | $ 105,000 |
| Maricopa County Arizona | 1 | $ 60,000 | $ 60,000 | $ 63,000 |
| Los Angeles County California | 1 | $ 65,000 | $ 65,000 | $ 71,000 |
| Santa Barbara County California | 1 | $ 31,000 | $ 31,000 | $ 62,000 |
| Santa Clara County California | 1 | $ 264,000 | $ 264,000 | $ 255,000 |
| Palm Beach County Florida | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Shoshone County Idaho | 1 | $ 9,000 | $ 9,000 | $ 122,000 |
| Orleans County Louisiana | 1 | $ 164,000 | $ 164,000 | $ 80,000 |
| Carbon County Montana | 1 | $ 145,000 | $ 145,000 | $ 33,000 |
| Fergus County Montana | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Lewis and Clark County Montana | 1 | $ 103,000 | $ 103,000 | $ 36,000 |
| Madison County Montana | 1 | $ 88,000 | $ 88,000 | $ 37,000 |
| Sanders County Montana | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Silver Bow County Montana | 1 | $ 150,000 | $ 150,000 | $ 26,000 |
| Hood River County Oregon | 1 | $ 97,000 | $ 97,000 | $ 56,000 |
| Malheur County Oregon | 1 | $ 57,000 | $ 57,000 | $ 47,000 |
| Tillamook County Oregon | 1 | $ 223,000 | $ 223,000 | $ 337,000 |
| Union County Oregon | 1 | $ 69,000 | $ 69,000 | $ 49,000 |
| Salt Lake County Utah | 1 | $ 115,000 | $ 115,000 | $ 213,000 |
| Ferry County Washington | 1 | $ 48,000 | $ 48,000 | $ 80,000 |
| Pend Oreille County Washington | 1 | $ 52,000 | $ 52,000 | $ 27,000 |
| San Juan County Washington | 1 | $ 230,000 | $ 230,000 | $ 141,000 |
| Skagit County Washington | 1 | $ 83,000 | $ 83,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Sterling Savings Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 1,296 | $110,221,000 | $124,000 | $2,040,000 | $97,166 | $1,775,000 |
| Home Improvement (one-to-four family) | 284 | $10,130,000 | $33,250 | $550,000 | $59,250 | $1,598,000 |
| Home Purchase (one-to-four family) | 115 | $16,413,000 | $166,750 | $2,400,000 | $125,125 | $2,515,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 33 | $8,225,000 | $207,750 | $1,000,000 | $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 | 1,537 | $119,435,000 | $132,600 | $1,500,000 | $102,100 | $1,273,000 |
| Hispanic | 52 | $2,481,000 | $72,000 | $125,000 | $57,000 | $126,000 |
| Information not provided by applicant in mail or telephone application | 49 | $8,166,000 | $167,200 | $1,600,000 | $110,000 | $2,515,000 |
| Not applicable | 28 | $9,670,000 | $230,000 | $2,400,000 | $92,333 | $1,775,000 |
| American Indian or Alaskan Native | 25 | $2,130,000 | $73,750 | $240,000 | $47,000 | $115,000 |
| Asian or Pacific Islander | 20 | $1,593,000 | $80,000 | $300,000 | $52,666 | $121,000 |
| Black | 12 | $1,010,000 | $125,000 | $228,000 | $107,000 | $212,000 |
| Other | 5 | $504,000 | $94,666 | $180,000 | $70,000 | $133,000 |
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) | 1,728 | $144,989,000 | $120,900 | $2,400,000 | $90,800 | $2,515,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | $110,687,000 | $124,444 | $2,040,000 | $100,666 | $2,515,000 |
| Application Denied By Financial Institution | 263 | $24,922,000 | $105,000 | $2,400,000 | $57,200 | $484,000 |
| Application Approved But Not Accepted | 81 | $6,741,000 | $92,250 | $384,000 | $60,250 | $656,000 |
| Application Withdrawn By Applicant | 32 | $2,639,000 | $92,666 | $320,000 | $44,666 | $106,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 102 | $6,509,000 | $69,750 | $297,000 | $45,000 | $147,000 |
| Debt-To-Income Ratio | 77 | $8,868,000 | $189,250 | $1,600,000 | $70,500 | $484,000 |
| Collateral | 74 | $6,280,000 | $71,400 | $800,000 | $49,000 | $205,000 |
| Unverifiable Information | 4 | $169,000 | $42,000 | $54,000 | $37,000 | $50,000 |
| Other | 3 | $2,776,000 | $925,000 | $2,400,000 | $3,000 | $10,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $237,000 | $118,000 | $192,000 | $9,000 | $18,000 |
| Credit Application Incomplete | 1 | $83,000 | $83,000 | $83,000 | $100,000 | $100,000 |
| Employment History | 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 Savings Bank's 2003 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 Savings 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 Washington, download the full spreadsheet
with aggregated HMDA statistics today.