Sterling Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Sterling Savings Bank 2012 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 | 22,477 |
| Total Mortgage Loan Application Amount | $5,979,935,000 |
| Average Mortgage Loan Application Amount | $465,333 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $75,666 |
| Highest Applicant Income | $6,090,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 4,776 | $ 1,656,371,000 | $ 346,000 | $ 134,000 |
| Snohomish County Washington | 1,650 | $ 423,900,000 | $ 256,000 | $ 98,000 |
| Pierce County Washington | 1,286 | $ 301,295,000 | $ 234,000 | $ 95,000 |
| Spokane County Washington | 1,008 | $ 183,095,000 | $ 181,000 | $ 85,000 |
| Ada County Idaho | 817 | $ 148,526,000 | $ 181,000 | $ 84,000 |
| Benton County Washington | 769 | $ 141,485,000 | $ 183,000 | $ 88,000 |
| Whatcom County Washington | 687 | $ 160,033,000 | $ 232,000 | $ 85,000 |
| Clark County Washington | 655 | $ 127,753,000 | $ 195,000 | $ 80,000 |
| Kitsap County Washington | 587 | $ 134,460,000 | $ 229,000 | $ 90,000 |
| Missoula County Montana | 438 | $ 97,997,000 | $ 223,000 | $ 97,000 |
| Multnomah County Oregon | 383 | $ 124,014,000 | $ 323,000 | $ 94,000 |
| Gallatin County Montana | 363 | $ 77,681,000 | $ 213,000 | $ 97,000 |
| Skagit County Washington | 326 | $ 64,930,000 | $ 199,000 | $ 86,000 |
| Franklin County Washington | 324 | $ 54,954,000 | $ 169,000 | $ 69,000 |
| Thurston County Washington | 303 | $ 61,484,000 | $ 202,000 | $ 93,000 |
| Lane County Oregon | 296 | $ 59,312,000 | $ 200,000 | $ 86,000 |
| Jackson County Oregon | 293 | $ 49,634,000 | $ 169,000 | $ 72,000 |
| Washington County Oregon | 293 | $ 75,649,000 | $ 258,000 | $ 111,000 |
| Los Angeles County California | 289 | $ 375,951,000 | $ 1,300,000 | $ 56,000 |
| Coos County Oregon | 275 | $ 41,840,000 | $ 152,000 | $ 70,000 |
| Sonoma County California | 253 | $ 73,759,000 | $ 291,000 | $ 126,000 |
| Canyon County Idaho | 226 | $ 27,573,000 | $ 122,000 | $ 55,000 |
| Kootenai County Idaho | 223 | $ 44,285,000 | $ 198,000 | $ 90,000 |
| Clackamas County Oregon | 208 | $ 63,773,000 | $ 306,000 | $ 122,000 |
| Yakima County Washington | 203 | $ 28,244,000 | $ 139,000 | $ 72,000 |
| Klamath County Oregon | 193 | $ 27,505,000 | $ 142,000 | $ 74,000 |
| Grant County Washington | 190 | $ 31,455,000 | $ 165,000 | $ 75,000 |
| Deschutes County Oregon | 162 | $ 35,299,000 | $ 217,000 | $ 141,000 |
| Nez Perce County Idaho | 161 | $ 22,965,000 | $ 142,000 | $ 56,000 |
| Kittitas County Washington | 160 | $ 31,664,000 | $ 197,000 | $ 97,000 |
| Lewis County Washington | 150 | $ 23,040,000 | $ 153,000 | $ 81,000 |
| Maricopa County Arizona | 142 | $ 30,622,000 | $ 215,000 | $ 130,000 |
| Ravalli County Montana | 139 | $ 27,786,000 | $ 199,000 | $ 82,000 |
| Latah County Idaho | 114 | $ 17,241,000 | $ 151,000 | $ 73,000 |
| Clark County Nevada | 106 | $ 22,554,000 | $ 212,000 | $ 117,000 |
| Mason County Washington | 105 | $ 19,325,000 | $ 184,000 | $ 105,000 |
| Island County Washington | 103 | $ 26,067,000 | $ 253,000 | $ 117,000 |
| Kern County California | 97 | $ 15,790,000 | $ 162,000 | $ 77,000 |
| Grays Harbor County Washington | 94 | $ 13,185,000 | $ 140,000 | $ 69,000 |
| Marion County Oregon | 91 | $ 17,917,000 | $ 196,000 | $ 73,000 |
| Umatilla County Oregon | 91 | $ 11,235,000 | $ 123,000 | $ 64,000 |
| Asotin County Washington | 87 | $ 13,271,000 | $ 152,000 | $ 67,000 |
| Wallowa County Oregon | 85 | $ 11,347,000 | $ 133,000 | $ 57,000 |
| Alameda County California | 84 | $ 82,516,000 | $ 982,000 | $ 73,000 |
| Contra Costa County California | 84 | $ 53,910,000 | $ 641,000 | $ 79,000 |
| Yellowstone County Montana | 83 | $ 16,859,000 | $ 203,000 | $ 91,000 |
| Tillamook County Oregon | 81 | $ 16,183,000 | $ 199,000 | $ 103,000 |
| Curry County Oregon | 80 | $ 14,846,000 | $ 185,000 | $ 62,000 |
| Malheur County Oregon | 77 | $ 8,793,000 | $ 114,000 | $ 58,000 |
| Union County Oregon | 77 | $ 12,734,000 | $ 165,000 | $ 79,000 |
| Riverside County California | 72 | $ 19,332,000 | $ 268,000 | $ 136,000 |
| Okanogan County Washington | 70 | $ 10,500,000 | $ 150,000 | $ 81,000 |
| Walla Walla County Washington | 68 | $ 12,843,000 | $ 188,000 | $ 87,000 |
| Idaho County Idaho | 66 | $ 9,320,000 | $ 141,000 | $ 58,000 |
| Chelan County Washington | 62 | $ 16,417,000 | $ 264,000 | $ 150,000 |
| San Diego County California | 60 | $ 30,485,000 | $ 508,000 | $ 86,000 |
| Yamhill County Oregon | 59 | $ 13,818,000 | $ 234,000 | $ 85,000 |
| Flathead County Montana | 58 | $ 13,624,000 | $ 234,000 | $ 102,000 |
| Whitman County Washington | 58 | $ 9,273,000 | $ 159,000 | $ 73,000 |
| Valley County Idaho | 57 | $ 9,597,000 | $ 168,000 | $ 84,000 |
| Lake County Montana | 57 | $ 14,942,000 | $ 262,000 | $ 116,000 |
| Santa Clara County California | 53 | $ 69,062,000 | $ 1,303,000 | $ 18,000 |
| Cowlitz County Washington | 53 | $ 10,007,000 | $ 188,000 | $ 80,000 |
| Clallam County Washington | 51 | $ 8,050,000 | $ 157,000 | $ 69,000 |
| Skamania County Washington | 49 | $ 9,699,000 | $ 197,000 | $ 72,000 |
| Orange County California | 48 | $ 35,944,000 | $ 748,000 | $ 92,000 |
| Sacramento County California | 47 | $ 12,560,000 | $ 267,000 | $ 100,000 |
| Linn County Oregon | 47 | $ 6,987,000 | $ 148,000 | $ 62,000 |
| Polk County Oregon | 47 | $ 13,623,000 | $ 289,000 | $ 92,000 |
| Stevens County Washington | 44 | $ 7,754,000 | $ 176,000 | $ 80,000 |
| Baker County Oregon | 43 | $ 6,356,000 | $ 147,000 | $ 77,000 |
| San Francisco County California | 40 | $ 83,206,000 | $ 2,080,000 | $ 27,000 |
| Benton County Oregon | 40 | $ 8,488,000 | $ 212,000 | $ 96,000 |
| Clatsop County Oregon | 39 | $ 7,930,000 | $ 203,000 | $ 73,000 |
| Marin County California | 38 | $ 44,305,000 | $ 1,165,000 | $ 125,000 |
| Park County Montana | 38 | $ 6,537,000 | $ 172,000 | $ 91,000 |
| Klickitat County Washington | 38 | $ 4,781,000 | $ 125,000 | $ 52,000 |
| San Bernardino County California | 37 | $ 9,162,000 | $ 247,000 | $ 90,000 |
| Payette County Idaho | 36 | $ 4,310,000 | $ 119,000 | $ 50,000 |
| Adams County Washington | 36 | $ 4,093,000 | $ 113,000 | $ 68,000 |
| Benewah County Idaho | 35 | $ 4,635,000 | $ 132,000 | $ 49,000 |
| Josephine County Oregon | 35 | $ 6,042,000 | $ 172,000 | $ 61,000 |
| Douglas County Washington | 35 | $ 6,163,000 | $ 176,000 | $ 103,000 |
| Jefferson County Washington | 35 | $ 7,626,000 | $ 217,000 | $ 73,000 |
| Pima County Arizona | 34 | $ 6,298,000 | $ 185,000 | $ 74,000 |
| Washoe County Nevada | 33 | $ 8,372,000 | $ 253,000 | $ 80,000 |
| Columbia County Oregon | 33 | $ 6,289,000 | $ 190,000 | $ 79,000 |
| Fresno County California | 30 | $ 6,896,000 | $ 229,000 | $ 96,000 |
| Douglas County Oregon | 27 | $ 4,219,000 | $ 156,000 | $ 69,000 |
| Sweet Grass County Montana | 26 | $ 4,476,000 | $ 172,000 | $ 80,000 |
| Bonner County Idaho | 25 | $ 4,386,000 | $ 175,000 | $ 70,000 |
| Lincoln County Oregon | 24 | $ 4,355,000 | $ 181,000 | $ 130,000 |
| Pacific County Washington | 24 | $ 3,634,000 | $ 151,000 | $ 94,000 |
| San Mateo County California | 23 | $ 26,614,000 | $ 1,157,000 | $ 54,000 |
| Solano County California | 23 | $ 9,172,000 | $ 398,000 | $ 86,000 |
| Harney County Oregon | 21 | $ 3,777,000 | $ 179,000 | $ 76,000 |
| Grant County Oregon | 20 | $ 2,785,000 | $ 139,000 | $ 79,000 |
| San Joaquin County California | 18 | $ 3,682,000 | $ 204,000 | $ 112,000 |
| Lewis and Clark County Montana | 18 | $ 3,489,000 | $ 193,000 | $ 96,000 |
| Columbia County Washington | 17 | $ 1,983,000 | $ 116,000 | $ 77,000 |
| Stanislaus County California | 16 | $ 3,835,000 | $ 239,000 | $ 92,000 |
| Pend Oreille County Washington | 15 | $ 2,649,000 | $ 176,000 | $ 95,000 |
| San Juan County Washington | 15 | $ 4,795,000 | $ 319,000 | $ 174,000 |
| Monterey County California | 14 | $ 7,619,000 | $ 544,000 | $ 154,000 |
| Ventura County California | 14 | $ 6,076,000 | $ 434,000 | $ 71,000 |
| Gem County Idaho | 14 | $ 2,309,000 | $ 164,000 | $ 67,000 |
| Lincoln County Montana | 14 | $ 3,629,000 | $ 259,000 | $ 70,000 |
| Lake County Oregon | 13 | $ 1,087,000 | $ 83,000 | $ 51,000 |
| Pinal County Arizona | 12 | $ 1,993,000 | $ 166,000 | $ 75,000 |
| Granite County Montana | 12 | $ 2,178,000 | $ 181,000 | $ 164,000 |
| Wasco County Oregon | 12 | $ 1,982,000 | $ 165,000 | $ 57,000 |
| Boise County Idaho | 11 | $ 1,772,000 | $ 161,000 | $ 114,000 |
| Mineral County Montana | 11 | $ 1,420,000 | $ 129,000 | $ 130,000 |
| Crook County Oregon | 11 | $ 1,714,000 | $ 155,000 | $ 90,000 |
| Morrow County Oregon | 11 | $ 1,086,000 | $ 98,000 | $ 60,000 |
| Garfield County Washington | 11 | $ 877,000 | $ 79,000 | $ 40,000 |
| Lincoln County Washington | 11 | $ 1,447,000 | $ 131,000 | $ 71,000 |
| Adams County Idaho | 10 | $ 1,696,000 | $ 169,000 | $ 83,000 |
| Blaine County Idaho | 10 | $ 3,443,000 | $ 344,000 | $ 157,000 |
| Sanders County Montana | 10 | $ 1,126,000 | $ 112,000 | $ 67,000 |
| Butte County California | 9 | $ 1,288,000 | $ 143,000 | $ 64,000 |
| Nevada County California | 9 | $ 2,851,000 | $ 316,000 | $ 109,000 |
| Lewis County Idaho | 9 | $ 828,000 | $ 92,000 | $ 55,000 |
| Twin Falls County Idaho | 9 | $ 1,242,000 | $ 138,000 | $ 55,000 |
| Hood River County Oregon | 9 | $ 1,751,000 | $ 194,000 | $ 170,000 |
| Jefferson County Oregon | 9 | $ 902,000 | $ 100,000 | $ 50,000 |
| Mohave County Arizona | 8 | $ 1,565,000 | $ 195,000 | $ 125,000 |
| Del Norte County California | 8 | $ 2,031,000 | $ 253,000 | $ 79,000 |
| Shasta County California | 8 | $ 1,896,000 | $ 237,000 | $ 104,000 |
| Elmore County Idaho | 8 | $ 1,242,000 | $ 155,000 | $ 100,000 |
| Cascade County Montana | 8 | $ 1,986,000 | $ 248,000 | $ 108,000 |
| Napa County California | 7 | $ 4,129,000 | $ 589,000 | $ 56,000 |
| Tulare County California | 7 | $ 1,702,000 | $ 243,000 | $ 114,000 |
| Bannock County Idaho | 7 | $ 1,154,000 | $ 164,000 | $ 66,000 |
| Madison County Montana | 7 | $ 1,264,000 | $ 180,000 | $ 111,000 |
| El Dorado County California | 6 | $ 1,284,000 | $ 214,000 | $ 127,000 |
| Bonneville County Idaho | 6 | $ 751,000 | $ 125,000 | $ 41,000 |
| Shoshone County Idaho | 6 | $ 946,000 | $ 157,000 | $ 88,000 |
| Stillwater County Montana | 6 | $ 1,144,000 | $ 190,000 | $ 71,000 |
| Yavapai County Arizona | 5 | $ 967,000 | $ 193,000 | $ 72,000 |
| Placer County California | 5 | $ 1,748,000 | $ 349,000 | $ 229,000 |
| Yolo County California | 5 | $ 1,248,000 | $ 249,000 | $ 107,000 |
| Clearwater County Idaho | 5 | $ 669,000 | $ 133,000 | $ 59,000 |
| Nye County Nevada | 5 | $ 759,000 | $ 151,000 | $ 32,000 |
| Anchorage County Alaska | 4 | $ 858,000 | $ 214,000 | $ 147,000 |
| Amador County California | 4 | $ 1,230,000 | $ 307,000 | $ 127,000 |
| Imperial County California | 4 | $ 754,000 | $ 188,000 | $ 82,000 |
| Kings County California | 4 | $ 692,000 | $ 173,000 | $ 110,000 |
| Madera County California | 4 | $ 1,156,000 | $ 289,000 | $ 150,000 |
| Santa Barbara County California | 4 | $ 3,211,000 | $ 802,000 | $ 143,000 |
| Siskiyou County California | 4 | $ 1,034,000 | $ 258,000 | $ 39,000 |
| Boundary County Idaho | 4 | $ 565,000 | $ 141,000 | $ 29,000 |
| Washington County Idaho | 4 | $ 659,000 | $ 164,000 | $ 133,000 |
| Broadwater County Montana | 4 | $ 1,144,000 | $ 286,000 | $ 101,000 |
| Deer Lodge County Montana | 4 | $ 1,065,000 | $ 266,000 | $ 158,000 |
| Jefferson County Montana | 4 | $ 889,000 | $ 222,000 | $ 68,000 |
| Meagher County Montana | 4 | $ 685,000 | $ 171,000 | $ 42,000 |
| Silver Bow County Montana | 4 | $ 900,000 | $ 225,000 | $ 106,000 |
| Douglas County Nevada | 4 | $ 1,156,000 | $ 289,000 | $ 130,000 |
| Calaveras County California | 3 | $ 1,143,000 | $ 381,000 | $ 56,000 |
| Humboldt County California | 3 | $ 640,000 | $ 213,000 | $ 89,000 |
| Lake County California | 3 | $ 744,000 | $ 248,000 | $ 68,000 |
| Plumas County California | 3 | $ 973,000 | $ 324,000 | $ 139,000 |
| Bingham County Idaho | 3 | $ 458,000 | $ 152,000 | $ 164,000 |
| Carbon County Montana | 3 | $ 316,000 | $ 105,000 | $ 76,000 |
| Hill County Montana | 3 | $ 457,000 | $ 152,000 | $ 56,000 |
| Powell County Montana | 3 | $ 435,000 | $ 145,000 | $ 111,000 |
| Lyon County Nevada | 3 | $ 411,000 | $ 137,000 | $ 28,000 |
| Ferry County Washington | 3 | $ 330,000 | $ 110,000 | $ 76,000 |
| Wahkiakum County Washington | 3 | $ 451,000 | $ 150,000 | $ 52,000 |
| Cochise County Arizona | 2 | $ 498,000 | $ 249,000 | $ 0 |
| Yuma County Arizona | 2 | $ 512,000 | $ 256,000 | $ 101,000 |
| Mendocino County California | 2 | $ 1,717,000 | $ 858,000 | $ 39,000 |
| Modoc County California | 2 | $ 173,000 | $ 86,000 | $ 95,000 |
| Santa Cruz County California | 2 | $ 1,200,000 | $ 600,000 | $ 42,000 |
| Tuolumne County California | 2 | $ 577,000 | $ 288,000 | $ 27,000 |
| Yuba County California | 2 | $ 544,000 | $ 272,000 | $ 123,000 |
| Jefferson County Idaho | 2 | $ 361,000 | $ 180,000 | $ 78,000 |
| Teton County Idaho | 2 | $ 181,000 | $ 90,000 | $ 59,000 |
| Custer County Montana | 2 | $ 258,000 | $ 129,000 | $ 82,000 |
| Fergus County Montana | 2 | $ 171,000 | $ 85,000 | $ 59,000 |
| Carson City County Nevada | 2 | $ 297,000 | $ 148,000 | $ 48,000 |
| Sherman County Oregon | 2 | $ 268,000 | $ 134,000 | $ 74,000 |
| Bethel County Alaska | 1 | $ 136,000 | $ 136,000 | $ 94,000 |
| Fairbanks North Star County Alaska | 1 | $ 83,000 | $ 83,000 | $ 49,000 |
| Kenai Peninsula County Alaska | 1 | $ 417,000 | $ 417,000 | $ 65,000 |
| Sitka County Alaska | 1 | $ 280,000 | $ 280,000 | $ 70,000 |
| Navajo County Arizona | 1 | $ 146,000 | $ 146,000 | $ 87,000 |
| Inyo County California | 1 | $ 212,000 | $ 212,000 | $ 96,000 |
| Mariposa County California | 1 | $ 360,000 | $ 360,000 | $ 56,000 |
| Merced County California | 1 | $ 336,000 | $ 336,000 | $ 84,000 |
| San Benito County California | 1 | $ 380,000 | $ 380,000 | $ 94,000 |
| San Luis Obispo County California | 1 | $ 230,000 | $ 230,000 | $ 90,000 |
| Sutter County California | 1 | $ 218,000 | $ 218,000 | $ 191,000 |
| Tehama County California | 1 | $ 200,000 | $ 200,000 | $ 40,000 |
| Butte County Idaho | 1 | $ 59,000 | $ 59,000 | $ 35,000 |
| Cassia County Idaho | 1 | $ 120,000 | $ 120,000 | $ 36,000 |
| Gooding County Idaho | 1 | $ 95,000 | $ 95,000 | $ 22,000 |
| Jerome County Idaho | 1 | $ 220,000 | $ 220,000 | $ 58,000 |
| Lemhi County Idaho | 1 | $ 60,000 | $ 60,000 | $ 83,000 |
| Madison County Idaho | 1 | $ 160,000 | $ 160,000 | $ 93,000 |
| Owyhee County Idaho | 1 | $ 94,000 | $ 94,000 | $ 16,000 |
| Ramsey County Minnesota | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Beaverhead County Montana | 1 | $ 169,000 | $ 169,000 | $ 58,000 |
| Golden Valley County Montana | 1 | $ 168,000 | $ 168,000 | $ 95,000 |
| Liberty County Montana | 1 | $ 70,000 | $ 70,000 | $ 33,000 |
| Toole County Montana | 1 | $ 144,000 | $ 144,000 | $ 32,000 |
| Treasure County Montana | 1 | $ 74,000 | $ 74,000 | $ 63,000 |
| Valley County Montana | 1 | $ 139,000 | $ 139,000 | $ 180,000 |
| Churchill County Nevada | 1 | $ 128,000 | $ 128,000 | $ 73,000 |
| Storey County Nevada | 1 | $ 206,000 | $ 206,000 | $ 67,000 |
| Iron County Utah | 1 | $ 165,000 | $ 165,000 | $ 285,000 |
| Salt Lake County Utah | 1 | $ 156,000 | $ 156,000 | $ 50,000 |
| Converse County Wyoming | 1 | $ 206,000 | $ 206,000 | $ 81,000 |
| Sweetwater County Wyoming | 1 | $ 194,000 | $ 194,000 | $ 85,000 |
| Teton County Wyoming | 1 | $ 294,000 | $ 294,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Sterling Savings Bank in 2012
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 | 14,905 | $3,990,064,000 | $267,000 | $8,500,000 | $101,000 | $6,090,000 |
| Home Purchase | 7,488 | $1,916,442,000 | $255,000 | $10,000,000 | $91,000 | $4,280,000 |
| Home Improvement | 84 | $73,429,000 | $874,000 | $10,000,000 | $35,000 | $328,000 |
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 | 16,796 | $3,838,863,000 | $228,000 | $7,445,000 | $99,000 | $4,280,000 |
| Not Provided | 2,995 | $735,474,000 | $245,000 | $3,780,000 | $104,000 | $6,090,000 |
| Asian | 928 | $256,281,000 | $276,000 | $2,000,000 | $122,000 | $1,051,000 |
| Hispanic | 770 | $143,056,000 | $185,000 | $858,000 | $78,000 | $1,991,000 |
| Not applicable | 559 | $909,510,000 | $1,627,000 | $10,000,000 | $2,000 | $388,000 |
| Black or African American | 190 | $47,806,000 | $251,000 | $2,021,000 | $120,000 | $3,996,000 |
| American Indian or Alaskan Native | 145 | $28,582,000 | $197,000 | $490,000 | $72,000 | $503,000 |
| Native Hawaiian or Other Pacific Islander | 94 | $20,363,000 | $216,000 | $427,000 | $78,000 | $282,000 |
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) | 18,016 | $5,053,891,000 | $280,000 | $10,000,000 | $107,000 | $6,090,000 |
| FHA-insured (Federal Housing Administration) | 2,700 | $553,455,000 | $204,000 | $687,000 | $67,000 | $432,000 |
| VA-guaranteed (Veterans Administration) | 1,118 | $261,605,000 | $233,000 | $876,000 | $55,000 | $317,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 643 | $110,984,000 | $172,000 | $411,000 | $47,000 | $158,000 |
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 | 14,232 | $3,972,766,000 | $279,000 | $10,000,000 | $96,000 | $1,838,000 |
| Application Approved But Not Accepted | 3,294 | $762,960,000 | $231,000 | $2,200,000 | $117,000 | $5,900,000 |
| Application Denied By Financial Institution | 2,586 | $608,734,000 | $235,000 | $10,000,000 | $80,000 | $4,280,000 |
| Application Withdrawn By Applicant | 1,949 | $492,990,000 | $252,000 | $7,300,000 | $105,000 | $6,090,000 |
| File Closed For Incompleteness | 228 | $49,105,000 | $215,000 | $1,350,000 | $87,000 | $605,000 |
| Loan Purchased By The Institution | 95 | $76,782,000 | $808,000 | $1,779,000 | $13,000 | $388,000 |
| Preapproval Denied by Financial Institution | 93 | $16,598,000 | $178,000 | $720,000 | $64,000 | $325,000 |
| Preapproval Approved but not Accepted | 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 | 1 | $115,000 | $115,000 | $115,000 | $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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sterling Savings Bank's 2012 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.
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