Sterling Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Sterling Savings Bank 2009 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 | 2,500 |
| Total Mortgage Loan Application Amount | $517,637,000 |
| Average Mortgage Loan Application Amount | $188,666 |
| Highest Mortgage Loan Application Amount | $4,257,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $4,214,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 394 | $ 132,114,000 | $ 335,000 | $ 58,000 |
| Spokane County Washington | 275 | $ 45,851,000 | $ 166,000 | $ 73,000 |
| Snohomish County Washington | 77 | $ 24,688,000 | $ 320,000 | $ 22,000 |
| Lewis County Washington | 71 | $ 8,514,000 | $ 119,000 | $ 52,000 |
| Coos County Oregon | 61 | $ 8,232,000 | $ 134,000 | $ 56,000 |
| Multnomah County Oregon | 59 | $ 12,855,000 | $ 217,000 | $ 73,000 |
| Union County Oregon | 58 | $ 7,755,000 | $ 133,000 | $ 70,000 |
| Curry County Oregon | 57 | $ 10,898,000 | $ 191,000 | $ 69,000 |
| Kootenai County Idaho | 55 | $ 7,950,000 | $ 144,000 | $ 113,000 |
| Idaho County Idaho | 48 | $ 5,669,000 | $ 118,000 | $ 45,000 |
| Nez Perce County Idaho | 48 | $ 6,874,000 | $ 143,000 | $ 66,000 |
| Klamath County Oregon | 46 | $ 6,792,000 | $ 147,000 | $ 69,000 |
| Latah County Idaho | 45 | $ 6,422,000 | $ 142,000 | $ 60,000 |
| Washington County Oregon | 44 | $ 9,725,000 | $ 221,000 | $ 376,000 |
| Tillamook County Oregon | 43 | $ 6,614,000 | $ 153,000 | $ 73,000 |
| Thurston County Washington | 41 | $ 6,795,000 | $ 165,000 | $ 77,000 |
| Grant County Washington | 38 | $ 4,558,000 | $ 119,000 | $ 70,000 |
| Grays Harbor County Washington | 38 | $ 5,165,000 | $ 135,000 | $ 51,000 |
| Riverside County California | 36 | $ 8,773,000 | $ 243,000 | $ 97,000 |
| Okanogan County Washington | 35 | $ 5,398,000 | $ 154,000 | $ 61,000 |
| Kittitas County Washington | 34 | $ 6,308,000 | $ 185,000 | $ 85,000 |
| Klickitat County Washington | 34 | $ 4,345,000 | $ 127,000 | $ 63,000 |
| Malheur County Oregon | 33 | $ 2,907,000 | $ 88,000 | $ 58,000 |
| Baker County Oregon | 31 | $ 3,433,000 | $ 110,000 | $ 51,000 |
| Deschutes County Oregon | 31 | $ 7,185,000 | $ 231,000 | $ 80,000 |
| Clackamas County Oregon | 28 | $ 6,740,000 | $ 240,000 | $ 63,000 |
| Pierce County Washington | 28 | $ 8,006,000 | $ 285,000 | $ 105,000 |
| Sonoma County California | 27 | $ 9,225,000 | $ 341,000 | $ 89,000 |
| Ada County Idaho | 27 | $ 5,107,000 | $ 189,000 | $ 170,000 |
| Gallatin County Montana | 24 | $ 4,585,000 | $ 191,000 | $ 74,000 |
| Wallowa County Oregon | 21 | $ 2,039,000 | $ 97,000 | $ 55,000 |
| Park County Montana | 20 | $ 2,954,000 | $ 147,000 | $ 70,000 |
| Harney County Oregon | 20 | $ 2,672,000 | $ 133,000 | $ 68,000 |
| Marion County Oregon | 20 | $ 3,252,000 | $ 162,000 | $ 53,000 |
| Benton County Washington | 20 | $ 3,799,000 | $ 189,000 | $ 88,000 |
| Whatcom County Washington | 20 | $ 4,100,000 | $ 205,000 | $ 53,000 |
| Asotin County Washington | 19 | $ 2,049,000 | $ 107,000 | $ 57,000 |
| Jackson County Oregon | 18 | $ 2,665,000 | $ 148,000 | $ 113,000 |
| Clallam County Washington | 18 | $ 1,849,000 | $ 102,000 | $ 51,000 |
| Walla Walla County Washington | 18 | $ 1,766,000 | $ 98,000 | $ 56,000 |
| Clark County Washington | 17 | $ 3,506,000 | $ 206,000 | $ 98,000 |
| Douglas County Oregon | 16 | $ 1,462,000 | $ 91,000 | $ 59,000 |
| Polk County Oregon | 15 | $ 3,095,000 | $ 206,000 | $ 58,000 |
| Lane County Oregon | 14 | $ 1,596,000 | $ 114,000 | $ 57,000 |
| Alameda County California | 13 | $ 5,012,000 | $ 385,000 | $ 43,000 |
| Lewis County Idaho | 13 | $ 1,375,000 | $ 105,000 | $ 37,000 |
| Payette County Idaho | 13 | $ 1,809,000 | $ 139,000 | $ 76,000 |
| Josephine County Oregon | 13 | $ 2,203,000 | $ 169,000 | $ 48,000 |
| Lake County Oregon | 13 | $ 1,595,000 | $ 122,000 | $ 73,000 |
| Linn County Oregon | 13 | $ 1,933,000 | $ 148,000 | $ 69,000 |
| Whitman County Washington | 13 | $ 2,076,000 | $ 159,000 | $ 61,000 |
| Kitsap County Washington | 12 | $ 2,449,000 | $ 204,000 | $ 50,000 |
| Stevens County Washington | 12 | $ 1,969,000 | $ 164,000 | $ 94,000 |
| Valley County Idaho | 11 | $ 2,034,000 | $ 184,000 | $ 52,000 |
| Umatilla County Oregon | 11 | $ 1,442,000 | $ 131,000 | $ 88,000 |
| Contra Costa County California | 10 | $ 4,292,000 | $ 429,000 | $ 108,000 |
| Missoula County Montana | 10 | $ 1,884,000 | $ 188,000 | $ 144,000 |
| Franklin County Washington | 10 | $ 1,282,000 | $ 128,000 | $ 81,000 |
| Ravalli County Montana | 8 | $ 763,000 | $ 95,000 | $ 48,000 |
| Columbia County Oregon | 8 | $ 1,361,000 | $ 170,000 | $ 45,000 |
| Grant County Oregon | 8 | $ 919,000 | $ 114,000 | $ 39,000 |
| Columbia County Washington | 8 | $ 934,000 | $ 116,000 | $ 59,000 |
| Benewah County Idaho | 7 | $ 804,000 | $ 114,000 | $ 43,000 |
| Bonner County Idaho | 7 | $ 972,000 | $ 138,000 | $ 112,000 |
| Yellowstone County Montana | 7 | $ 1,217,000 | $ 173,000 | $ 142,000 |
| Benton County Oregon | 7 | $ 1,098,000 | $ 156,000 | $ 97,000 |
| Clatsop County Oregon | 7 | $ 599,000 | $ 85,000 | $ 54,000 |
| Lincoln County Washington | 6 | $ 800,000 | $ 133,000 | $ 100,000 |
| Maricopa County Arizona | 5 | $ 8,385,000 | $ 1,677,000 | $ 48,000 |
| San Francisco County California | 5 | $ 1,785,000 | $ 357,000 | $ 67,000 |
| Clearwater County Idaho | 5 | $ 797,000 | $ 159,000 | $ 59,000 |
| Utah County Utah | 5 | $ 920,000 | $ 184,000 | $ 0 |
| Adams County Washington | 5 | $ 660,000 | $ 132,000 | $ 56,000 |
| Pend Oreille County Washington | 5 | $ 587,000 | $ 117,000 | $ 63,000 |
| Monterey County California | 4 | $ 3,985,000 | $ 996,000 | $ 0 |
| San Mateo County California | 4 | $ 4,794,000 | $ 1,198,000 | $ 38,000 |
| Lincoln County Oregon | 4 | $ 917,000 | $ 229,000 | $ 78,000 |
| Chelan County Washington | 4 | $ 936,000 | $ 234,000 | $ 137,000 |
| Mason County Washington | 4 | $ 767,000 | $ 191,000 | $ 74,000 |
| Skagit County Washington | 4 | $ 3,624,000 | $ 906,000 | $ 106,000 |
| Skamania County Washington | 4 | $ 711,000 | $ 177,000 | $ 80,000 |
| Yakima County Washington | 4 | $ 1,025,000 | $ 256,000 | $ 114,000 |
| Sacramento County California | 3 | $ 1,054,000 | $ 351,000 | $ 9,000 |
| Canyon County Idaho | 3 | $ 397,000 | $ 132,000 | $ 84,000 |
| Lake County Montana | 3 | $ 1,089,000 | $ 363,000 | $ 124,000 |
| Sweet Grass County Montana | 3 | $ 363,000 | $ 121,000 | $ 42,000 |
| Crook County Oregon | 3 | $ 434,000 | $ 144,000 | $ 49,000 |
| Douglas County Washington | 3 | $ 312,000 | $ 104,000 | $ 99,000 |
| Garfield County Washington | 3 | $ 238,000 | $ 79,000 | $ 40,000 |
| Pacific County Washington | 3 | $ 451,000 | $ 150,000 | $ 66,000 |
| Pinal County Arizona | 2 | $ 306,000 | $ 153,000 | $ 120,000 |
| Butte County California | 2 | $ 150,000 | $ 75,000 | $ 105,000 |
| Del Norte County California | 2 | $ 147,000 | $ 73,000 | $ 56,000 |
| Fresno County California | 2 | $ 2,851,000 | $ 1,425,000 | $ 0 |
| Placer County California | 2 | $ 248,000 | $ 124,000 | $ 160,000 |
| Santa Cruz County California | 2 | $ 997,000 | $ 498,000 | $ 0 |
| Adams County Idaho | 2 | $ 421,000 | $ 210,000 | $ 28,000 |
| Washington County Idaho | 2 | $ 314,000 | $ 157,000 | $ 66,000 |
| Hood River County Oregon | 2 | $ 410,000 | $ 205,000 | $ 52,000 |
| Jefferson County Oregon | 2 | $ 144,000 | $ 72,000 | $ 52,000 |
| Sherman County Oregon | 2 | $ 122,000 | $ 61,000 | $ 65,000 |
| Davis County Utah | 2 | $ 435,000 | $ 217,000 | $ 0 |
| Island County Washington | 2 | $ 660,000 | $ 330,000 | $ 572,000 |
| Jefferson County Washington | 2 | $ 350,000 | $ 175,000 | $ 66,000 |
| Navajo County Arizona | 1 | $ 119,000 | $ 119,000 | $ 27,000 |
| Pima County Arizona | 1 | $ 731,000 | $ 731,000 | $ 0 |
| El Dorado County California | 1 | $ 297,000 | $ 297,000 | $ 75,000 |
| Humboldt County California | 1 | $ 35,000 | $ 35,000 | $ 180,000 |
| Lake County California | 1 | $ 328,000 | $ 328,000 | $ 0 |
| Mendocino County California | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Modoc County California | 1 | $ 169,000 | $ 169,000 | $ 138,000 |
| Napa County California | 1 | $ 215,000 | $ 215,000 | $ 153,000 |
| Nevada County California | 1 | $ 900,000 | $ 900,000 | $ 0 |
| San Joaquin County California | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Santa Clara County California | 1 | $ 217,000 | $ 217,000 | $ 804,000 |
| Siskiyou County California | 1 | $ 89,000 | $ 89,000 | $ 54,000 |
| Tehama County California | 1 | $ 1,739,000 | $ 1,739,000 | $ 0 |
| Trinity County California | 1 | $ 220,000 | $ 220,000 | $ 60,000 |
| Boise County Idaho | 1 | $ 264,000 | $ 264,000 | $ 151,000 |
| Shoshone County Idaho | 1 | $ 109,000 | $ 109,000 | $ 63,000 |
| Twin Falls County Idaho | 1 | $ 181,000 | $ 181,000 | $ 96,000 |
| Pondera County Montana | 1 | $ 200,000 | $ 200,000 | $ 123,000 |
| Teton County Montana | 1 | $ 42,000 | $ 42,000 | $ 54,000 |
| Toole County Montana | 1 | $ 44,000 | $ 44,000 | $ 48,000 |
| Washoe County Nevada | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Wasco County Oregon | 1 | $ 143,000 | $ 143,000 | $ 51,000 |
| Yamhill County Oregon | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Cowlitz County Washington | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Sterling Savings Bank in 2009
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 | 1,507 | $283,940,000 | $188,000 | $4,257,000 | $88,000 | $4,214,000 |
| Home Purchase | 737 | $209,378,000 | $284,000 | $2,475,000 | $46,000 | $1,145,000 |
| Home Improvement | 256 | $24,319,000 | $94,000 | $450,000 | $70,000 | $432,000 |
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 | 1,695 | $276,664,000 | $163,000 | $1,205,000 | $85,000 | $4,214,000 |
| Not applicable | 372 | $142,892,000 | $384,000 | $4,257,000 | $1,000 | $156,000 |
| Not Provided | 304 | $70,255,000 | $231,000 | $1,435,000 | $92,000 | $1,145,000 |
| Hispanic | 68 | $9,930,000 | $146,000 | $731,000 | $107,000 | $1,465,000 |
| Asian | 39 | $14,091,000 | $361,000 | $1,650,000 | $86,000 | $275,000 |
| American Indian or Alaskan Native | 12 | $1,984,000 | $165,000 | $417,000 | $48,000 | $151,000 |
| Black or African American | 6 | $1,191,000 | $198,000 | $392,000 | $100,000 | $174,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $630,000 | $157,000 | $494,000 | $29,000 | $64,000 |
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) | 2,435 | $506,523,000 | $208,000 | $4,257,000 | $74,000 | $4,214,000 |
| FHA-insured (Federal Housing Administration) | 59 | $10,124,000 | $171,000 | $469,000 | $55,000 | $204,000 |
| VA-guaranteed (Veterans Administration) | 6 | $990,000 | $165,000 | $314,000 | $26,000 | $63,000 |
| 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 | 1,581 | $321,028,000 | $203,000 | $4,257,000 | $76,000 | $4,214,000 |
| Application Withdrawn By Applicant | 349 | $72,461,000 | $207,000 | $1,650,000 | $68,000 | $512,000 |
| Application Denied By Financial Institution | 339 | $73,196,000 | $215,000 | $3,571,000 | $71,000 | $804,000 |
| Application Approved But Not Accepted | 231 | $50,952,000 | $220,000 | $1,580,000 | $70,000 | $380,000 |
| 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 2009 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.