Sterling Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Sterling Savings Bank 2008 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 | 3,268 |
| Total Mortgage Loan Application Amount | $584,668,000 |
| Average Mortgage Loan Application Amount | $171,666 |
| Highest Mortgage Loan Application Amount | $4,350,000 |
| Average Applicant Income | $65,333 |
| Highest Applicant Income | $3,888,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| King County Washington | 413 | $ 131,166,000 | $ 317,000 | $ 26,000 |
| Spokane County Washington | 207 | $ 30,778,000 | $ 148,000 | $ 73,000 |
| Klamath County Oregon | 129 | $ 12,198,000 | $ 94,000 | $ 70,000 |
| Coos County Oregon | 126 | $ 13,493,000 | $ 107,000 | $ 65,000 |
| Multnomah County Oregon | 119 | $ 19,864,000 | $ 166,000 | $ 97,000 |
| Snohomish County Washington | 113 | $ 35,251,000 | $ 311,000 | $ 32,000 |
| Lewis County Washington | 107 | $ 16,792,000 | $ 156,000 | $ 70,000 |
| Tillamook County Oregon | 84 | $ 11,834,000 | $ 140,000 | $ 69,000 |
| Curry County Oregon | 73 | $ 13,416,000 | $ 183,000 | $ 99,000 |
| Idaho County Idaho | 67 | $ 6,986,000 | $ 104,000 | $ 64,000 |
| Washington County Oregon | 66 | $ 17,441,000 | $ 264,000 | $ 28,000 |
| Kootenai County Idaho | 59 | $ 10,087,000 | $ 170,000 | $ 112,000 |
| Union County Oregon | 58 | $ 6,137,000 | $ 105,000 | $ 73,000 |
| Benton County Washington | 56 | $ 5,279,000 | $ 94,000 | $ 96,000 |
| Thurston County Washington | 55 | $ 8,578,000 | $ 155,000 | $ 75,000 |
| Valley County Idaho | 50 | $ 7,510,000 | $ 150,000 | $ 87,000 |
| Grays Harbor County Washington | 49 | $ 4,633,000 | $ 94,000 | $ 59,000 |
| Clark County Washington | 47 | $ 9,709,000 | $ 206,000 | $ 18,000 |
| Grant County Washington | 47 | $ 4,558,000 | $ 96,000 | $ 63,000 |
| Jackson County Oregon | 46 | $ 5,853,000 | $ 127,000 | $ 115,000 |
| Deschutes County Oregon | 45 | $ 7,369,000 | $ 163,000 | $ 72,000 |
| Okanogan County Washington | 45 | $ 5,407,000 | $ 120,000 | $ 64,000 |
| Malheur County Oregon | 44 | $ 3,060,000 | $ 69,000 | $ 50,000 |
| Pierce County Washington | 44 | $ 11,125,000 | $ 252,000 | $ 107,000 |
| Latah County Idaho | 43 | $ 3,937,000 | $ 91,000 | $ 57,000 |
| Wallowa County Oregon | 40 | $ 3,276,000 | $ 81,000 | $ 57,000 |
| Nez Perce County Idaho | 38 | $ 3,506,000 | $ 92,000 | $ 62,000 |
| Kittitas County Washington | 38 | $ 4,166,000 | $ 109,000 | $ 76,000 |
| Klickitat County Washington | 37 | $ 3,452,000 | $ 93,000 | $ 65,000 |
| Gallatin County Montana | 36 | $ 5,701,000 | $ 158,000 | $ 89,000 |
| Grant County Oregon | 36 | $ 3,487,000 | $ 96,000 | $ 59,000 |
| Douglas County Oregon | 35 | $ 3,361,000 | $ 96,000 | $ 51,000 |
| Asotin County Washington | 33 | $ 3,792,000 | $ 114,000 | $ 69,000 |
| Walla Walla County Washington | 32 | $ 2,846,000 | $ 88,000 | $ 72,000 |
| Umatilla County Oregon | 31 | $ 2,410,000 | $ 77,000 | $ 57,000 |
| Lane County Oregon | 29 | $ 2,868,000 | $ 98,000 | $ 129,000 |
| Ada County Idaho | 26 | $ 5,749,000 | $ 221,000 | $ 46,000 |
| Ravalli County Montana | 26 | $ 1,938,000 | $ 74,000 | $ 62,000 |
| Missoula County Montana | 24 | $ 3,044,000 | $ 126,000 | $ 98,000 |
| Marion County Oregon | 24 | $ 3,637,000 | $ 151,000 | $ 53,000 |
| Sonoma County California | 23 | $ 9,314,000 | $ 404,000 | $ 93,000 |
| Baker County Oregon | 22 | $ 1,713,000 | $ 77,000 | $ 55,000 |
| Clatsop County Oregon | 22 | $ 4,011,000 | $ 182,000 | $ 53,000 |
| Lewis County Idaho | 21 | $ 1,932,000 | $ 92,000 | $ 71,000 |
| Park County Montana | 21 | $ 2,820,000 | $ 134,000 | $ 67,000 |
| Harney County Oregon | 21 | $ 2,214,000 | $ 105,000 | $ 69,000 |
| Josephine County Oregon | 21 | $ 2,381,000 | $ 113,000 | $ 48,000 |
| Clackamas County Oregon | 20 | $ 4,761,000 | $ 238,000 | $ 75,000 |
| Columbia County Oregon | 20 | $ 2,037,000 | $ 101,000 | $ 76,000 |
| Canyon County Idaho | 19 | $ 4,328,000 | $ 227,000 | $ 21,000 |
| Franklin County Washington | 19 | $ 1,989,000 | $ 104,000 | $ 65,000 |
| Whitman County Washington | 18 | $ 2,368,000 | $ 131,000 | $ 74,000 |
| Whatcom County Washington | 17 | $ 1,871,000 | $ 110,000 | $ 300,000 |
| Clallam County Washington | 16 | $ 2,986,000 | $ 186,000 | $ 53,000 |
| Lake County Oregon | 15 | $ 1,658,000 | $ 110,000 | $ 78,000 |
| Douglas County Washington | 15 | $ 1,424,000 | $ 94,000 | $ 39,000 |
| Riverside County California | 14 | $ 3,962,000 | $ 283,000 | $ 117,000 |
| Linn County Oregon | 14 | $ 2,050,000 | $ 146,000 | $ 66,000 |
| Yellowstone County Montana | 12 | $ 1,143,000 | $ 95,000 | $ 107,000 |
| Polk County Oregon | 12 | $ 713,000 | $ 59,000 | $ 53,000 |
| Stevens County Washington | 10 | $ 903,000 | $ 90,000 | $ 72,000 |
| Bonner County Idaho | 9 | $ 1,894,000 | $ 210,000 | $ 91,000 |
| Columbia County Washington | 8 | $ 661,000 | $ 82,000 | $ 66,000 |
| Garfield County Washington | 8 | $ 478,000 | $ 59,000 | $ 54,000 |
| Alameda County California | 7 | $ 11,133,000 | $ 1,590,000 | $ 0 |
| Adams County Idaho | 7 | $ 593,000 | $ 84,000 | $ 43,000 |
| Contra Costa County California | 6 | $ 5,330,000 | $ 888,000 | $ 14,000 |
| Benewah County Idaho | 6 | $ 1,024,000 | $ 170,000 | $ 87,000 |
| Benton County Oregon | 6 | $ 728,000 | $ 121,000 | $ 70,000 |
| Yamhill County Oregon | 6 | $ 913,000 | $ 152,000 | $ 82,000 |
| San Joaquin County California | 5 | $ 1,053,000 | $ 210,000 | $ 30,000 |
| Jefferson County Oregon | 5 | $ 602,000 | $ 120,000 | $ 41,000 |
| Adams County Washington | 5 | $ 729,000 | $ 145,000 | $ 48,000 |
| Mason County Washington | 5 | $ 505,000 | $ 101,000 | $ 92,000 |
| Skamania County Washington | 5 | $ 318,000 | $ 63,000 | $ 27,000 |
| San Mateo County California | 4 | $ 4,533,000 | $ 1,133,000 | $ 94,000 |
| Sweet Grass County Montana | 4 | $ 368,000 | $ 92,000 | $ 59,000 |
| Hood River County Oregon | 4 | $ 880,000 | $ 220,000 | $ 101,000 |
| Salt Lake County Utah | 4 | $ 2,274,000 | $ 568,000 | $ 161,000 |
| Cowlitz County Washington | 4 | $ 761,000 | $ 190,000 | $ 75,000 |
| Lincoln County Washington | 4 | $ 315,000 | $ 78,000 | $ 58,000 |
| Maricopa County Arizona | 3 | $ 1,123,000 | $ 374,000 | $ 118,000 |
| Pinal County Arizona | 3 | $ 945,000 | $ 315,000 | $ 462,000 |
| Sacramento County California | 3 | $ 4,600,000 | $ 1,533,000 | $ 65,000 |
| Santa Cruz County California | 3 | $ 3,350,000 | $ 1,116,000 | $ 0 |
| Siskiyou County California | 3 | $ 189,000 | $ 63,000 | $ 50,000 |
| Clearwater County Idaho | 3 | $ 324,000 | $ 108,000 | $ 74,000 |
| Gem County Idaho | 3 | $ 223,000 | $ 74,000 | $ 52,000 |
| Shoshone County Idaho | 3 | $ 437,000 | $ 145,000 | $ 112,000 |
| Washington County Idaho | 3 | $ 348,000 | $ 116,000 | $ 89,000 |
| Washoe County Nevada | 3 | $ 1,833,000 | $ 611,000 | $ 0 |
| Lincoln County Oregon | 3 | $ 830,000 | $ 276,000 | $ 134,000 |
| Morrow County Oregon | 3 | $ 57,000 | $ 19,000 | $ 51,000 |
| Ferry County Washington | 3 | $ 330,000 | $ 110,000 | $ 56,000 |
| Island County Washington | 3 | $ 217,000 | $ 72,000 | $ 57,000 |
| Kitsap County Washington | 3 | $ 845,000 | $ 281,000 | $ 14,000 |
| Pacific County Washington | 3 | $ 331,000 | $ 110,000 | $ 124,000 |
| Pend Oreille County Washington | 3 | $ 369,000 | $ 123,000 | $ 66,000 |
| Yakima County Washington | 3 | $ 177,000 | $ 59,000 | $ 94,000 |
| Mohave County Arizona | 2 | $ 350,000 | $ 175,000 | $ 29,000 |
| Los Angeles County California | 2 | $ 238,000 | $ 119,000 | $ 73,000 |
| Merced County California | 2 | $ 3,243,000 | $ 1,621,000 | $ 0 |
| Modoc County California | 2 | $ 50,000 | $ 25,000 | $ 44,000 |
| San Francisco County California | 2 | $ 1,795,000 | $ 897,000 | $ 0 |
| Santa Clara County California | 2 | $ 1,449,000 | $ 724,000 | $ 120,000 |
| Yolo County California | 2 | $ 542,000 | $ 271,000 | $ 0 |
| Weld County Colorado | 2 | $ 468,000 | $ 234,000 | $ 0 |
| Payette County Idaho | 2 | $ 65,000 | $ 32,000 | $ 19,000 |
| Flathead County Montana | 2 | $ 294,000 | $ 147,000 | $ 53,000 |
| Madison County Montana | 2 | $ 537,000 | $ 268,000 | $ 223,000 |
| Crook County Oregon | 2 | $ 371,000 | $ 185,000 | $ 127,000 |
| Chelan County Washington | 2 | $ 195,000 | $ 97,000 | $ 115,000 |
| Jefferson County Washington | 2 | $ 700,000 | $ 350,000 | $ 1,029,000 |
| Pima County Arizona | 1 | $ 560,000 | $ 560,000 | $ 0 |
| Del Norte County California | 1 | $ 78,000 | $ 78,000 | $ 139,000 |
| Marin County California | 1 | $ 1,042,000 | $ 1,042,000 | $ 0 |
| Mendocino County California | 1 | $ 418,000 | $ 418,000 | $ 0 |
| Napa County California | 1 | $ 100,000 | $ 100,000 | $ 0 |
| San Bernardino County California | 1 | $ 100,000 | $ 100,000 | $ 43,000 |
| San Luis Obispo County California | 1 | $ 440,000 | $ 440,000 | $ 262,000 |
| Santa Barbara County California | 1 | $ 1,000,000 | $ 1,000,000 | $ 230,000 |
| Solano County California | 1 | $ 234,000 | $ 234,000 | $ 86,000 |
| Stanislaus County California | 1 | $ 2,375,000 | $ 2,375,000 | $ 891,000 |
| Tulare County California | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Hawaii County Hawaii | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Maui County Hawaii | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Carbon County Montana | 1 | $ 170,000 | $ 170,000 | $ 53,000 |
| Lake County Montana | 1 | $ 306,000 | $ 306,000 | $ 319,000 |
| Silver Bow County Montana | 1 | $ 330,000 | $ 330,000 | $ 360,000 |
| Stillwater County Montana | 1 | $ 200,000 | $ 200,000 | $ 100,000 |
| Churchill County Nevada | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Elko County Nevada | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Gilliam County Oregon | 1 | $ 37,000 | $ 37,000 | $ 27,000 |
| Wasco County Oregon | 1 | $ 105,000 | $ 105,000 | $ 96,000 |
| Wheeler County Oregon | 1 | $ 60,000 | $ 60,000 | $ 34,000 |
| Davis County Utah | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Utah County Utah | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Skagit County Washington | 1 | $ 75,000 | $ 75,000 | $ 202,000 |
Mortgage Loan Application Detail Totals for Sterling Savings Bank in 2008
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 | 1,403 | $225,704,000 | $160,000 | $4,350,000 | $82,000 | $3,888,000 |
| Home Purchase | 1,064 | $297,917,000 | $279,000 | $3,100,000 | $44,000 | $1,029,000 |
| Home Improvement | 801 | $61,047,000 | $76,000 | $758,000 | $70,000 | $624,000 |
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 | 2,262 | $305,218,000 | $134,000 | $4,176,000 | $80,000 | $3,888,000 |
| Not applicable | 498 | $177,842,000 | $357,000 | $4,350,000 | $0 | $259,000 |
| Not Provided | 374 | $83,008,000 | $221,000 | $2,375,000 | $72,000 | $1,029,000 |
| Hispanic | 87 | $9,451,000 | $108,000 | $488,000 | $64,000 | $723,000 |
| Asian | 20 | $6,379,000 | $318,000 | $1,788,000 | $92,000 | $378,000 |
| American Indian or Alaskan Native | 16 | $1,347,000 | $84,000 | $288,000 | $61,000 | $155,000 |
| Black or African American | 8 | $955,000 | $119,000 | $249,000 | $41,000 | $61,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $468,000 | $156,000 | $303,000 | $96,000 | $107,000 |
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) | 3,213 | $575,177,000 | $179,000 | $4,350,000 | $67,000 | $3,888,000 |
| FHA-insured (Federal Housing Administration) | 50 | $8,480,000 | $169,000 | $699,000 | $44,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,011,000 | $202,000 | $315,000 | $75,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 2,028 | $365,648,000 | $180,000 | $4,350,000 | $65,000 | $3,888,000 |
| Application Denied By Financial Institution | 618 | $86,657,000 | $140,000 | $2,800,000 | $66,000 | $960,000 |
| Application Approved But Not Accepted | 428 | $85,355,000 | $199,000 | $1,160,000 | $57,000 | $1,029,000 |
| Application Withdrawn By Applicant | 194 | $47,008,000 | $242,000 | $2,332,000 | $109,000 | $2,050,000 |
| 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 2008 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.