Sterling Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Sterling Savings Bank 2004 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 | 2,266 |
| Total Mortgage Loan Application Amount | $201,536,000 |
| Average Mortgage Loan Application Amount | $102,611 |
| Highest Mortgage Loan Application Amount | $2,800,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $2,677,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Klamath County Oregon | 227 | $ 17,464,000 | $ 76,000 | $ 50,000 |
| Multnomah County Oregon | 123 | $ 20,689,000 | $ 168,000 | $ 68,000 |
| Spokane County Washington | 116 | $ 10,608,000 | $ 91,000 | $ 40,000 |
| Lewis County Washington | 101 | $ 7,333,000 | $ 72,000 | $ 41,000 |
| Jackson County Oregon | 97 | $ 9,166,000 | $ 94,000 | $ 94,000 |
| Benton County Washington | 74 | $ 6,628,000 | $ 89,000 | $ 55,000 |
| Coos County Oregon | 68 | $ 5,653,000 | $ 83,000 | $ 37,000 |
| Thurston County Washington | 65 | $ 5,378,000 | $ 82,000 | $ 64,000 |
| Idaho County Idaho | 63 | $ 4,136,000 | $ 65,000 | $ 36,000 |
| Kittitas County Washington | 62 | $ 5,849,000 | $ 94,000 | $ 53,000 |
| Grays Harbor County Washington | 61 | $ 3,842,000 | $ 62,000 | $ 48,000 |
| Klickitat County Washington | 58 | $ 4,425,000 | $ 76,000 | $ 40,000 |
| Valley County Idaho | 56 | $ 3,707,000 | $ 66,000 | $ 35,000 |
| King County Washington | 54 | $ 7,982,000 | $ 147,000 | $ 87,000 |
| Latah County Idaho | 51 | $ 4,035,000 | $ 79,000 | $ 38,000 |
| Kootenai County Idaho | 50 | $ 5,089,000 | $ 101,000 | $ 56,000 |
| Walla Walla County Washington | 50 | $ 2,937,000 | $ 58,000 | $ 50,000 |
| Park County Montana | 43 | $ 3,331,000 | $ 77,000 | $ 41,000 |
| Tillamook County Oregon | 42 | $ 2,749,000 | $ 65,000 | $ 48,000 |
| Okanogan County Washington | 36 | $ 2,522,000 | $ 70,000 | $ 40,000 |
| Lane County Oregon | 35 | $ 3,576,000 | $ 102,000 | $ 36,000 |
| Missoula County Montana | 30 | $ 4,142,000 | $ 138,000 | $ 41,000 |
| Asotin County Washington | 30 | $ 2,498,000 | $ 83,000 | $ 33,000 |
| Whatcom County Washington | 30 | $ 2,995,000 | $ 99,000 | $ 95,000 |
| Curry County Oregon | 29 | $ 1,986,000 | $ 68,000 | $ 52,000 |
| Umatilla County Oregon | 27 | $ 1,808,000 | $ 66,000 | $ 36,000 |
| Pierce County Washington | 27 | $ 3,313,000 | $ 122,000 | $ 103,000 |
| Franklin County Washington | 26 | $ 1,381,000 | $ 53,000 | $ 46,000 |
| Whitman County Washington | 26 | $ 1,708,000 | $ 65,000 | $ 43,000 |
| Grant County Washington | 25 | $ 2,044,000 | $ 81,000 | $ 74,000 |
| Deschutes County Oregon | 24 | $ 2,692,000 | $ 112,000 | $ 60,000 |
| Nez Perce County Idaho | 22 | $ 1,242,000 | $ 56,000 | $ 49,000 |
| Ravalli County Montana | 22 | $ 1,312,000 | $ 59,000 | $ 54,000 |
| Clatsop County Oregon | 22 | $ 2,875,000 | $ 130,000 | $ 78,000 |
| Douglas County Oregon | 21 | $ 1,484,000 | $ 70,000 | $ 33,000 |
| Lewis County Idaho | 19 | $ 1,689,000 | $ 88,000 | $ 49,000 |
| Clackamas County Oregon | 19 | $ 3,503,000 | $ 184,000 | $ 99,000 |
| Josephine County Oregon | 19 | $ 1,184,000 | $ 62,000 | $ 23,000 |
| Columbia County Washington | 19 | $ 1,300,000 | $ 68,000 | $ 47,000 |
| Polk County Oregon | 17 | $ 1,009,000 | $ 59,000 | $ 41,000 |
| Clallam County Washington | 17 | $ 1,617,000 | $ 95,000 | $ 52,000 |
| Gallatin County Montana | 15 | $ 1,054,000 | $ 70,000 | $ 59,000 |
| Garfield County Washington | 13 | $ 440,000 | $ 33,000 | $ 36,000 |
| Washington County Oregon | 11 | $ 1,804,000 | $ 164,000 | $ 99,000 |
| Yamhill County Oregon | 11 | $ 1,640,000 | $ 149,000 | $ 63,000 |
| Adams County Washington | 11 | $ 641,000 | $ 58,000 | $ 34,000 |
| Adams County Idaho | 9 | $ 760,000 | $ 84,000 | $ 28,000 |
| Columbia County Oregon | 9 | $ 605,000 | $ 67,000 | $ 41,000 |
| Lake County Oregon | 9 | $ 398,000 | $ 44,000 | $ 29,000 |
| Marion County Oregon | 9 | $ 750,000 | $ 83,000 | $ 43,000 |
| Union County Oregon | 9 | $ 584,000 | $ 64,000 | $ 52,000 |
| Clark County Washington | 8 | $ 667,000 | $ 83,000 | $ 130,000 |
| Bonner County Idaho | 7 | $ 2,360,000 | $ 337,000 | $ 70,000 |
| Yellowstone County Montana | 7 | $ 549,000 | $ 78,000 | $ 54,000 |
| Baker County Oregon | 7 | $ 630,000 | $ 90,000 | $ 25,000 |
| Benton County Oregon | 7 | $ 630,000 | $ 90,000 | $ 51,000 |
| Linn County Oregon | 7 | $ 398,000 | $ 56,000 | $ 47,000 |
| Malheur County Oregon | 7 | $ 319,000 | $ 45,000 | $ 40,000 |
| Wallowa County Oregon | 6 | $ 370,000 | $ 61,000 | $ 34,000 |
| Douglas County Washington | 6 | $ 306,000 | $ 51,000 | $ 32,000 |
| Skamania County Washington | 6 | $ 335,000 | $ 55,000 | $ 45,000 |
| Yakima County Washington | 6 | $ 781,000 | $ 130,000 | $ 131,000 |
| Ada County Idaho | 4 | $ 276,000 | $ 69,000 | $ 20,000 |
| Gilliam County Oregon | 4 | $ 165,000 | $ 41,000 | $ 48,000 |
| Cowlitz County Washington | 4 | $ 340,000 | $ 85,000 | $ 120,000 |
| Kitsap County Washington | 4 | $ 566,000 | $ 141,000 | $ 39,000 |
| Snohomish County Washington | 4 | $ 493,000 | $ 123,000 | $ 417,000 |
| Clearwater County Idaho | 3 | $ 266,000 | $ 88,000 | $ 31,000 |
| Shoshone County Idaho | 3 | $ 73,000 | $ 24,000 | $ 41,000 |
| Sweet Grass County Montana | 3 | $ 166,000 | $ 55,000 | $ 35,000 |
| Morrow County Oregon | 3 | $ 214,000 | $ 71,000 | $ 49,000 |
| Chelan County Washington | 3 | $ 260,000 | $ 86,000 | $ 75,000 |
| Lincoln County Washington | 3 | $ 149,000 | $ 49,000 | $ 82,000 |
| Stevens County Washington | 3 | $ 226,000 | $ 75,000 | $ 55,000 |
| Santa Clara County California | 2 | $ 164,000 | $ 82,000 | $ 92,000 |
| Canyon County Idaho | 2 | $ 152,000 | $ 76,000 | $ 66,000 |
| Deer Lodge County Montana | 2 | $ 49,000 | $ 24,000 | $ 57,000 |
| Sanders County Montana | 2 | $ 360,000 | $ 180,000 | $ 68,000 |
| Crook County Oregon | 2 | $ 113,000 | $ 56,000 | $ 29,000 |
| Ferry County Washington | 2 | $ 112,000 | $ 56,000 | $ 48,000 |
| Island County Washington | 2 | $ 96,000 | $ 48,000 | $ 33,000 |
| Mason County Washington | 2 | $ 83,000 | $ 41,000 | $ 26,000 |
| Pacific County Washington | 2 | $ 67,000 | $ 33,000 | $ 35,000 |
| Pend Oreille County Washington | 2 | $ 142,000 | $ 71,000 | $ 88,000 |
| Maricopa County Arizona | 1 | $ 140,000 | $ 140,000 | $ 77,000 |
| Yuma County Arizona | 1 | $ 30,000 | $ 30,000 | $ 213,000 |
| Contra Costa County California | 1 | $ 262,000 | $ 262,000 | $ 126,000 |
| Orange County California | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Placer County California | 1 | $ 233,000 | $ 233,000 | $ 0 |
| San Bernardino County California | 1 | $ 152,000 | $ 152,000 | $ 66,000 |
| Siskiyou County California | 1 | $ 77,000 | $ 77,000 | $ 50,000 |
| Benewah County Idaho | 1 | $ 48,000 | $ 48,000 | $ 68,000 |
| Gem County Idaho | 1 | $ 28,000 | $ 28,000 | $ 38,000 |
| Payette County Idaho | 1 | $ 56,000 | $ 56,000 | $ 53,000 |
| Mineral County Montana | 1 | $ 12,000 | $ 12,000 | $ 10,000 |
| Stillwater County Montana | 1 | $ 20,000 | $ 20,000 | $ 50,000 |
| Teton County Montana | 1 | $ 68,000 | $ 68,000 | $ 68,000 |
| Humboldt County Nevada | 1 | $ 55,000 | $ 55,000 | $ 96,000 |
| Hood River County Oregon | 1 | $ 129,000 | $ 129,000 | $ 82,000 |
| Jefferson County Oregon | 1 | $ 26,000 | $ 26,000 | $ 31,000 |
| Lincoln County Oregon | 1 | $ 38,000 | $ 38,000 | $ 42,000 |
| Wasco County Oregon | 1 | $ 84,000 | $ 84,000 | $ 30,000 |
| Jefferson County Washington | 1 | $ 184,000 | $ 184,000 | $ 129,000 |
| San Juan County Washington | 1 | $ 130,000 | $ 130,000 | $ 33,000 |
| Skagit County Washington | 1 | $ 6,000 | $ 6,000 | $ 29,000 |
| Park County Wyoming | 1 | $ 49,000 | $ 49,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Sterling Savings Bank in 2004
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 | 1,389 | $131,125,000 | $107,571 | $2,800,000 | $63,857 | $2,677,000 |
| Home Improvement | 675 | $40,974,000 | $51,800 | $868,000 | $80,800 | $849,000 |
| Home Purchase | 202 | $29,437,000 | $139,166 | $1,000,000 | $59,166 | $1,406,000 |
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 | 2,018 | $167,601,000 | $76,875 | $868,000 | $84,250 | $2,677,000 |
| Not Provided | 91 | $9,138,000 | $117,833 | $500,000 | $45,833 | $647,000 |
| Hispanic | 71 | $5,046,000 | $66,250 | $390,000 | $63,250 | $130,000 |
| Not applicable | 40 | $15,161,000 | $532,750 | $2,800,000 | $1,000 | $46,000 |
| American Indian or Alaskan Native | 23 | $1,535,000 | $55,333 | $200,000 | $41,666 | $239,000 |
| Asian | 15 | $2,384,000 | $158,666 | $664,000 | $132,666 | $514,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $517,000 | $84,000 | $144,000 | $43,666 | $80,000 |
| Black or African American | 2 | $154,000 | $77,000 | $85,000 | $56,000 | $68,000 |
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) | 2,266 | $201,536,000 | $87,750 | $2,800,000 | $73,125 | $2,677,000 |
| 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 | 1,717 | $150,594,000 | $84,571 | $2,800,000 | $86,285 | $2,677,000 |
| Application Denied By Financial Institution | 396 | $35,607,000 | $89,833 | $500,000 | $54,166 | $490,000 |
| Application Approved But Not Accepted | 106 | $9,974,000 | $91,750 | $400,000 | $49,750 | $202,000 |
| Application Withdrawn By Applicant | 47 | $5,361,000 | $107,500 | $391,000 | $52,750 | $249,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 188 | $12,548,000 | $67,250 | $250,000 | $33,750 | $144,000 |
| Collateral | 96 | $7,810,000 | $65,000 | $500,000 | $44,250 | $125,000 |
| Debt-To-Income Ratio | 84 | $10,772,000 | $141,000 | $500,000 | $60,400 | $490,000 |
| Other | 15 | $3,030,000 | $136,500 | $500,000 | $58,000 | $386,000 |
| Unverifiable Information | 7 | $685,000 | $94,000 | $210,000 | $33,500 | $129,000 |
| Credit Application Incomplete | 5 | $619,000 | $120,500 | $252,000 | $54,500 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $143,000 | $143,000 | $143,000 | $189,000 | $189,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sterling Savings Bank's 2004 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.