Sterling Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Sterling Savings Bank 2005 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 St Spokane, WA 99201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 2,097 |
| Total Mortgage Loan Application Amount | $178,910,000 |
| Average Mortgage Loan Application Amount | $140,150 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $108,250 |
| Highest Applicant Income | $4,700,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 147 | $ 11,973,000 | $ 81,000 | $ 47,000 |
| Spokane County Washington | 142 | $ 10,744,000 | $ 75,000 | $ 59,000 |
| Coos County Oregon | 128 | $ 8,328,000 | $ 65,000 | $ 49,000 |
| Multnomah County Oregon | 105 | $ 14,532,000 | $ 138,000 | $ 73,000 |
| Jackson County Oregon | 97 | $ 9,214,000 | $ 94,000 | $ 71,000 |
| Lewis County Washington | 82 | $ 6,143,000 | $ 74,000 | $ 38,000 |
| Tillamook County Oregon | 71 | $ 5,622,000 | $ 79,000 | $ 74,000 |
| King County Washington | 66 | $ 9,343,000 | $ 141,000 | $ 75,000 |
| Kittitas County Washington | 64 | $ 5,413,000 | $ 84,000 | $ 129,000 |
| Idaho County Idaho | 53 | $ 3,070,000 | $ 57,000 | $ 60,000 |
| Curry County Oregon | 51 | $ 4,332,000 | $ 84,000 | $ 54,000 |
| Grays Harbor County Washington | 47 | $ 3,930,000 | $ 83,000 | $ 33,000 |
| Valley County Idaho | 46 | $ 3,153,000 | $ 68,000 | $ 56,000 |
| Park County Montana | 41 | $ 3,292,000 | $ 80,000 | $ 42,000 |
| Walla Walla County Washington | 39 | $ 2,295,000 | $ 58,000 | $ 55,000 |
| Benton County Washington | 38 | $ 3,305,000 | $ 86,000 | $ 116,000 |
| Thurston County Washington | 38 | $ 2,685,000 | $ 70,000 | $ 61,000 |
| Kootenai County Idaho | 37 | $ 3,679,000 | $ 99,000 | $ 70,000 |
| Klickitat County Washington | 35 | $ 2,999,000 | $ 85,000 | $ 52,000 |
| Lane County Oregon | 34 | $ 2,334,000 | $ 68,000 | $ 41,000 |
| Pierce County Washington | 28 | $ 2,158,000 | $ 77,000 | $ 76,000 |
| Nez Perce County Idaho | 27 | $ 1,919,000 | $ 71,000 | $ 49,000 |
| Union County Oregon | 27 | $ 1,852,000 | $ 68,000 | $ 60,000 |
| Grant County Washington | 27 | $ 2,621,000 | $ 97,000 | $ 65,000 |
| Okanogan County Washington | 26 | $ 1,598,000 | $ 61,000 | $ 60,000 |
| Asotin County Washington | 25 | $ 1,413,000 | $ 56,000 | $ 32,000 |
| Lewis County Idaho | 24 | $ 2,012,000 | $ 83,000 | $ 48,000 |
| Missoula County Montana | 24 | $ 2,615,000 | $ 108,000 | $ 81,000 |
| Polk County Oregon | 24 | $ 1,389,000 | $ 57,000 | $ 33,000 |
| Umatilla County Oregon | 24 | $ 1,435,000 | $ 59,000 | $ 39,000 |
| Latah County Idaho | 23 | $ 1,550,000 | $ 67,000 | $ 48,000 |
| Clatsop County Oregon | 22 | $ 2,222,000 | $ 101,000 | $ 61,000 |
| Ravalli County Montana | 21 | $ 1,190,000 | $ 56,000 | $ 46,000 |
| Marion County Oregon | 21 | $ 2,518,000 | $ 119,000 | $ 35,000 |
| Whatcom County Washington | 20 | $ 2,088,000 | $ 104,000 | $ 387,000 |
| Benton County Oregon | 19 | $ 1,731,000 | $ 91,000 | $ 50,000 |
| Gallatin County Montana | 17 | $ 1,523,000 | $ 89,000 | $ 50,000 |
| Clallam County Washington | 17 | $ 1,129,000 | $ 66,000 | $ 34,000 |
| Deschutes County Oregon | 15 | $ 1,600,000 | $ 106,000 | $ 57,000 |
| Douglas County Oregon | 15 | $ 881,000 | $ 58,000 | $ 65,000 |
| Lake County Oregon | 15 | $ 846,000 | $ 56,000 | $ 37,000 |
| Clark County Washington | 15 | $ 1,655,000 | $ 110,000 | $ 75,000 |
| Clackamas County Oregon | 14 | $ 1,470,000 | $ 105,000 | $ 68,000 |
| Franklin County Washington | 14 | $ 714,000 | $ 51,000 | $ 34,000 |
| Adams County Washington | 13 | $ 1,082,000 | $ 83,000 | $ 36,000 |
| Whitman County Washington | 13 | $ 764,000 | $ 58,000 | $ 39,000 |
| Columbia County Oregon | 11 | $ 1,265,000 | $ 115,000 | $ 136,000 |
| Josephine County Oregon | 11 | $ 585,000 | $ 53,000 | $ 52,000 |
| Linn County Oregon | 11 | $ 724,000 | $ 65,000 | $ 25,000 |
| Washington County Oregon | 11 | $ 1,438,000 | $ 130,000 | $ 164,000 |
| Yamhill County Oregon | 9 | $ 760,000 | $ 84,000 | $ 26,000 |
| Columbia County Washington | 9 | $ 683,000 | $ 75,000 | $ 70,000 |
| Wallowa County Oregon | 8 | $ 347,000 | $ 43,000 | $ 29,000 |
| Skamania County Washington | 8 | $ 714,000 | $ 89,000 | $ 66,000 |
| Bonner County Idaho | 7 | $ 1,400,000 | $ 200,000 | $ 129,000 |
| Yellowstone County Montana | 7 | $ 405,000 | $ 57,000 | $ 137,000 |
| Douglas County Washington | 7 | $ 350,000 | $ 50,000 | $ 40,000 |
| Adams County Idaho | 6 | $ 482,000 | $ 80,000 | $ 22,000 |
| Baker County Oregon | 6 | $ 284,000 | $ 47,000 | $ 53,000 |
| Malheur County Oregon | 6 | $ 230,000 | $ 38,000 | $ 36,000 |
| Snohomish County Washington | 6 | $ 1,316,000 | $ 219,000 | $ 8,000 |
| Benewah County Idaho | 5 | $ 263,000 | $ 52,000 | $ 29,000 |
| Morrow County Oregon | 5 | $ 178,000 | $ 35,000 | $ 38,000 |
| Shoshone County Idaho | 4 | $ 404,000 | $ 101,000 | $ 10,000 |
| Hood River County Oregon | 4 | $ 442,000 | $ 110,000 | $ 70,000 |
| Cowlitz County Washington | 4 | $ 329,000 | $ 82,000 | $ 69,000 |
| Mason County Washington | 4 | $ 1,616,000 | $ 404,000 | $ 30,000 |
| Stevens County Washington | 4 | $ 202,000 | $ 50,000 | $ 43,000 |
| Ada County Idaho | 3 | $ 60,000 | $ 20,000 | $ 0 |
| Clearwater County Idaho | 3 | $ 89,000 | $ 29,000 | $ 56,000 |
| Garfield County Washington | 3 | $ 82,000 | $ 27,000 | $ 95,000 |
| Yakima County Washington | 3 | $ 355,000 | $ 118,000 | $ 90,000 |
| Payette County Idaho | 2 | $ 72,000 | $ 36,000 | $ 41,000 |
| Washoe County Nevada | 2 | $ 204,000 | $ 102,000 | $ 230,000 |
| Crook County Oregon | 2 | $ 120,000 | $ 60,000 | $ 14,000 |
| Grant County Oregon | 2 | $ 106,000 | $ 53,000 | $ 64,000 |
| Chelan County Washington | 2 | $ 60,000 | $ 30,000 | $ 37,000 |
| Jefferson County Washington | 2 | $ 592,000 | $ 296,000 | $ 1,346,000 |
| Kitsap County Washington | 2 | $ 111,000 | $ 55,000 | $ 78,000 |
| Contra Costa County California | 1 | $ 307,000 | $ 307,000 | $ 39,000 |
| Los Angeles County California | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Merced County California | 1 | $ 195,000 | $ 195,000 | $ 78,000 |
| Napa County California | 1 | $ 110,000 | $ 110,000 | $ 102,000 |
| Placer County California | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Santa Clara County California | 1 | $ 344,000 | $ 344,000 | $ 0 |
| Siskiyou County California | 1 | $ 38,000 | $ 38,000 | $ 70,000 |
| Boulder County Colorado | 1 | $ 320,000 | $ 320,000 | $ 102,000 |
| Bonneville County Idaho | 1 | $ 770,000 | $ 770,000 | $ 0 |
| Canyon County Idaho | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Cook County Illinois | 1 | $ 320,000 | $ 320,000 | $ 397,000 |
| Blaine County Montana | 1 | $ 82,000 | $ 82,000 | $ 43,000 |
| Cascade County Montana | 1 | $ 80,000 | $ 80,000 | $ 86,000 |
| Lewis and Clark County Montana | 1 | $ 40,000 | $ 40,000 | $ 143,000 |
| Rosebud County Montana | 1 | $ 14,000 | $ 14,000 | $ 30,000 |
| Sweet Grass County Montana | 1 | $ 20,000 | $ 20,000 | $ 35,000 |
| Clark County Nevada | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Jefferson County Oregon | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Lincoln County Oregon | 1 | $ 98,000 | $ 98,000 | $ 43,000 |
| Wasco County Oregon | 1 | $ 49,000 | $ 49,000 | $ 36,000 |
| Wheeler County Oregon | 1 | $ 80,000 | $ 80,000 | $ 40,000 |
| Garfield County Utah | 1 | $ 300,000 | $ 300,000 | $ 273,000 |
| Ferry County Washington | 1 | $ 30,000 | $ 30,000 | $ 46,000 |
| Lincoln County Washington | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Pend Oreille County Washington | 1 | $ 70,000 | $ 70,000 | $ 30,000 |
| Skagit County Washington | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Wahkiakum County Washington | 1 | $ 100,000 | $ 100,000 | $ 20,000 |
Mortgage Loan Application Detail Totals for Sterling Savings Bank in 2005
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 | 1,064 | $94,445,000 | $109,200 | $770,000 | $74,800 | $2,570,000 |
| Home Improvement | 796 | $43,900,000 | $91,571 | $500,000 | $88,571 | $900,000 |
| Home Purchase | 237 | $40,565,000 | $202,000 | $1,500,000 | $146,375 | $4,700,000 |
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 | 1,786 | $140,586,000 | $122,714 | $1,150,000 | $98,428 | $4,700,000 |
| Not Provided | 167 | $21,337,000 | $179,625 | $1,500,000 | $137,625 | $397,000 |
| Hispanic | 71 | $4,498,000 | $63,333 | $236,000 | $58,000 | $227,000 |
| Not applicable | 36 | $10,102,000 | $298,800 | $1,350,000 | $21,000 | $760,000 |
| Asian | 15 | $787,000 | $44,333 | $128,000 | $85,000 | $285,000 |
| American Indian or Alaskan Native | 11 | $698,000 | $66,333 | $120,000 | $36,666 | $60,000 |
| Black or African American | 6 | $591,000 | $67,000 | $275,000 | $62,500 | $131,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $311,000 | $60,666 | $82,000 | $36,333 | $87,000 |
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) | 2,097 | $178,910,000 | $173,666 | $1,500,000 | $137,555 | $4,700,000 |
| 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 | 1,598 | $126,537,000 | $170,555 | $1,350,000 | $129,777 | $4,700,000 |
| Application Denied By Financial Institution | 326 | $30,946,000 | $102,833 | $1,150,000 | $105,500 | $368,000 |
| Application Approved But Not Accepted | 131 | $14,041,000 | $98,500 | $1,223,000 | $70,250 | $2,157,000 |
| Application Withdrawn By Applicant | 42 | $7,386,000 | $199,250 | $1,500,000 | $55,500 | $325,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sterling Savings Bank's 2005 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.