LEI 549300ZEHLZ064G58146 · Southfield, MI
Sterling Bank and Trust, FSB
Originated-loan volume lands in the lower fleet tercile (8 funded) - a thin book relative to the 9 applications disclosed.
Originated-volume tercile vs fleet
Sterling Bank and Trust, FSB funded 8 mortgages, lower fleet tercile (below ~78 originations), ranking #4,827 of 4,908 by originated-loan volume and sits below the 1,000-application origination-share board (9 applications).
- n/a
- Below 1,000-app share board
- 88.9%
- Origination share
- 8
- Originated
- 0.0%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
9 reported applications
Where Sterling Bank and Trust, FSB sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
8 2nd percentile higher than 2% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Sterling Bank and Trust, FSB
Application volume by HMDA loan type in this lender's 2024 book.
Thin originated book. Sterling Bank and Trust, FSB funded 8 mortgages, below the fleet lower tercile (~78) - so rates swing on small counts; read denial and purpose shares with that denominator in mind. Program weight concentrates in Conventional (9 applications).
How to read Sterling Bank and Trust, FSB. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Sterling Bank and Trust, FSB
Sterling Bank and Trust, FSB filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 9 | 8 | 0 | $7,227,222 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Sterling Bank and Trust, FSB (LEI: 549300ZEHLZ064G58146) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Cash-out Refinancing | 6 | 5 | $3,546,667 |
| Refinancing | 3 | 3 | $14,588,333 |
Nearby Lenders in MI
Other HMDA-reporting lenders in MI with similar activity. Compare any two side-by-side.
One of 152 other HMDA-reporting lenders in MI, 5 are shown here.
Rocket Mortgage
DETROIT, MI
United Wholesale Mortgage
Pontiac, MI
Flagstar Bank NA
Troy, MI
Lake Michigan Credit Union
Grand Rapids, MI
Northpointe Bank
Grand Rapids, MI
Read with Sterling Bank and Trust, FSB
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Sterling Bank and Trust, FSB (LEI 549300ZEHLZ064G58146), from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024). See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.