Share Plus Federal Bank Mortgage Lending & HMDA Data, 2006
In 2006, Share Plus Federal Bank of Plano, TX reported 719 mortgage applications totaling $89.5 million, up 180% from 2005. The average application was for $124,438, and applicants reported an average income of $92,148. 49% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Dallas-Plano-Irving, TX (227), Fort Worth-Arlington, TX (50) and Atlanta-Sandy Springs-Marietta, GA (42) (applications in parentheses).
| Mortgage Company & Address | Share Plus Federal Bank 5224 W. Plano Pkwy Plano, TX 75093 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 719 |
| Total Mortgage Loan Application Amount | $89,471,000 |
| Average Mortgage Loan Application Amount | $124,438 |
| Highest Mortgage Loan Application Amount | $2,160,000 |
| Average Applicant Income | $92,148 |
| Highest Applicant Income | $2,234,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Share Plus Federal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Collin, Texas | 87 | $ 11,525,000 | $ 132,471 | $ 112,000 |
| Dallas, Texas | 87 | $ 12,781,000 | $ 146,908 | $ 107,000 |
| Tarrant, Texas | 43 | $ 1,538,000 | $ 35,767 | $ 33,000 |
| Denton, Texas | 42 | $ 4,998,000 | $ 119,000 | $ 77,000 |
| Fulton, Georgia | 27 | $ 5,584,000 | $ 206,814 | $ 122,000 |
| Philadelphia, Pennsylvania | 27 | $ 3,991,000 | $ 147,814 | $ 114,000 |
| Jefferson, Kentucky | 17 | $ 2,957,000 | $ 173,941 | $ 133,000 |
| Harris, Texas | 17 | $ 1,158,000 | $ 68,117 | $ 25,000 |
| Travis, Texas | 13 | $ 685,000 | $ 52,692 | $ 41,000 |
| Orange, Florida | 12 | $ 2,576,000 | $ 214,666 | $ 118,000 |
| Fort Bend, Texas | 10 | $ 166,000 | $ 16,600 | $ 30,000 |
| DeKalb, Georgia | 8 | $ 1,791,000 | $ 223,875 | $ 127,000 |
| Williamson, Texas | 8 | $ 172,000 | $ 21,500 | $ 57,000 |
| Mohave, Arizona | 7 | $ 813,000 | $ 116,142 | $ 144,000 |
| Orange, California | 7 | $ 3,058,000 | $ 436,857 | $ 295,000 |
| Jackson, Missouri | 7 | $ 617,000 | $ 88,142 | $ 78,000 |
| Bexar, Texas | 6 | $ 255,000 | $ 42,500 | $ 96,000 |
| Cameron, Texas | 6 | $ 111,000 | $ 18,500 | $ 20,000 |
| Montgomery, Texas | 6 | $ 136,000 | $ 22,666 | $ 16,000 |
| Garland, Arkansas | 4 | $ 387,000 | $ 96,750 | $ 132,000 |
| Denver, Colorado | 4 | $ 946,000 | $ 236,500 | $ 92,000 |
| Bernalillo, New Mexico | 4 | $ 558,000 | $ 139,500 | $ 188,000 |
| Kaufman, Texas | 4 | $ 386,000 | $ 96,500 | $ 80,000 |
| Lubbock, Texas | 4 | $ 147,000 | $ 36,750 | $ 37,000 |
| Maricopa, Arizona | 3 | $ 240,000 | $ 80,000 | $ 84,000 |
| Hillsborough, Florida | 3 | $ 215,000 | $ 71,666 | $ 75,000 |
| Lee, Florida | 3 | $ 389,000 | $ 129,666 | $ 50,000 |
| Seminole, Florida | 3 | $ 244,000 | $ 81,333 | $ 91,000 |
| Gwinnett, Georgia | 3 | $ 579,000 | $ 193,000 | $ 47,000 |
| Clark, Indiana | 3 | $ 197,000 | $ 65,666 | $ 54,000 |
| Lake, Indiana | 3 | $ 9,000 | $ 3,000 | $ 82,000 |
| Mecklenburg, North Carolina | 3 | $ 210,000 | $ 70,000 | $ 213,000 |
| Ellis, Texas | 3 | $ 71,000 | $ 23,666 | $ 20,000 |
| Henderson, Texas | 3 | $ 945,000 | $ 315,000 | $ 272,000 |
| Johnson, Texas | 3 | $ 100,000 | $ 33,333 | $ 36,000 |
| Rockwall, Texas | 3 | $ 88,000 | $ 29,333 | $ 0 |
| Mobile, Alabama | 2 | $ 7,000 | $ 3,500 | $ 45,000 |
| Pinal, Arizona | 2 | $ 111,000 | $ 55,500 | $ 40,000 |
| Craighead, Arkansas | 2 | $ 83,000 | $ 41,500 | $ 50,000 |
| Alameda, California | 2 | $ 500,000 | $ 250,000 | $ 56,000 |
| Los Angeles, California | 2 | $ 355,000 | $ 177,500 | $ 39,000 |
| Riverside, California | 2 | $ 899,000 | $ 449,500 | $ 104,000 |
| San Bernardino, California | 2 | $ 105,000 | $ 52,500 | $ 109,000 |
| Stanislaus, California | 2 | $ 17,000 | $ 8,500 | $ 51,000 |
| Lake, Florida | 2 | $ 160,000 | $ 80,000 | $ 75,000 |
| Bibb, Georgia | 2 | $ 20,000 | $ 10,000 | $ 40,000 |
| Houston, Georgia | 2 | $ 8,000 | $ 4,000 | $ 57,000 |
| DuPage, Illinois | 2 | $ 1,410,000 | $ 705,000 | $ 195,000 |
| Grundy, Illinois | 2 | $ 199,000 | $ 99,500 | $ 55,000 |
| Oldham, Kentucky | 2 | $ 40,000 | $ 20,000 | $ 255,000 |
| St. Louis, Missouri | 2 | $ 569,000 | $ 284,500 | $ 170,000 |
| Ocean, New Jersey | 2 | $ 58,000 | $ 29,000 | $ 114,000 |
| Broome, New York | 2 | $ 21,000 | $ 10,500 | $ 51,000 |
| Cuyahoga, Ohio | 2 | $ 166,000 | $ 83,000 | $ 118,000 |
| Franklin, Ohio | 2 | $ 1,275,000 | $ 637,500 | $ 363,000 |
| Tulsa, Oklahoma | 2 | $ 145,000 | $ 72,500 | $ 98,000 |
| Chester, Pennsylvania | 2 | $ 399,000 | $ 199,500 | $ 300,000 |
| York, South Carolina | 2 | $ 252,000 | $ 126,000 | $ 55,000 |
| Giles, Tennessee | 2 | $ 6,000 | $ 3,000 | $ 34,000 |
| Bastrop, Texas | 2 | $ 68,000 | $ 34,000 | $ 33,000 |
| Gregg, Texas | 2 | $ 53,000 | $ 26,500 | $ 0 |
| Hidalgo, Texas | 2 | $ 55,000 | $ 27,500 | $ 11,000 |
| Parker, Texas | 2 | $ 89,000 | $ 44,500 | $ 0 |
| Randall, Texas | 2 | $ 132,000 | $ 66,000 | $ 60,000 |
| Wise, Texas | 2 | $ 110,000 | $ 55,000 | $ 41,000 |
| Randolph, Alabama | 1 | $ 3,000 | $ 3,000 | $ 66,000 |
| Pima, Arizona | 1 | $ 66,000 | $ 66,000 | $ 63,000 |
| Contra Costa, California | 1 | $ 435,000 | $ 435,000 | $ 122,000 |
| San Diego, California | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Ventura, California | 1 | $ 30,000 | $ 30,000 | $ 58,000 |
| Arapahoe, Colorado | 1 | $ 3,000 | $ 3,000 | $ 41,000 |
| Boulder, Colorado | 1 | $ 314,000 | $ 314,000 | $ 72,000 |
| Jefferson, Colorado | 1 | $ 1,178,000 | $ 1,178,000 | $ 380,000 |
| New Castle, Delaware | 1 | $ 384,000 | $ 384,000 | $ 250,000 |
| Brevard, Florida | 1 | $ 5,000 | $ 5,000 | $ 70,000 |
| Osceola, Florida | 1 | $ 25,000 | $ 25,000 | $ 90,000 |
| Pinellas, Florida | 1 | $ 13,000 | $ 13,000 | $ 93,000 |
| Polk, Florida | 1 | $ 88,000 | $ 88,000 | $ 55,000 |
| Volusia, Florida | 1 | $ 147,000 | $ 147,000 | $ 53,000 |
| Bulloch, Georgia | 1 | $ 3,000 | $ 3,000 | $ 42,000 |
| Cherokee, Georgia | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Clayton, Georgia | 1 | $ 3,000 | $ 3,000 | $ 47,000 |
| Fayette, Georgia | 1 | $ 349,000 | $ 349,000 | $ 104,000 |
| Oconee, Georgia | 1 | $ 8,000 | $ 8,000 | $ 70,000 |
| Rockdale, Georgia | 1 | $ 190,000 | $ 190,000 | $ 59,000 |
| Honolulu, Hawaii | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Ada, Idaho | 1 | $ 20,000 | $ 20,000 | $ 70,000 |
| Teton, Idaho | 1 | $ 305,000 | $ 305,000 | $ 107,000 |
| Cook, Illinois | 1 | $ 175,000 | $ 175,000 | $ 91,000 |
| Lake, Illinois | 1 | $ 62,000 | $ 62,000 | $ 219,000 |
| Will, Illinois | 1 | $ 10,000 | $ 10,000 | $ 89,000 |
| Winnebago, Illinois | 1 | $ 74,000 | $ 74,000 | $ 45,000 |
| Floyd, Indiana | 1 | $ 36,000 | $ 36,000 | $ 153,000 |
| Pottawattamie, Iowa | 1 | $ 3,000 | $ 3,000 | $ 42,000 |
| Jackson, Kansas | 1 | $ 3,000 | $ 3,000 | $ 93,000 |
| Shawnee, Kansas | 1 | $ 16,000 | $ 16,000 | $ 31,000 |
| Bath, Kentucky | 1 | $ 3,000 | $ 3,000 | $ 41,000 |
| Bullitt, Kentucky | 1 | $ 56,000 | $ 56,000 | $ 116,000 |
| Nelson, Kentucky | 1 | $ 82,000 | $ 82,000 | $ 31,000 |
| Pulaski, Kentucky | 1 | $ 78,000 | $ 78,000 | $ 81,000 |
| Webster, Louisiana | 1 | $ 265,000 | $ 265,000 | $ 57,000 |
| Carroll, Maryland | 1 | $ 224,000 | $ 224,000 | $ 100,000 |
| Howard, Maryland | 1 | $ 765,000 | $ 765,000 | $ 120,000 |
| Kent, Maryland | 1 | $ 365,000 | $ 365,000 | $ 250,000 |
| Norfolk, Massachusetts | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Berrien, Michigan | 1 | $ 3,000 | $ 3,000 | $ 100,000 |
| Genesee, Michigan | 1 | $ 3,000 | $ 3,000 | $ 40,000 |
| Jackson, Michigan | 1 | $ 4,000 | $ 4,000 | $ 72,000 |
| Lenawee, Michigan | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Macomb, Michigan | 1 | $ 3,000 | $ 3,000 | $ 39,000 |
| Anoka, Minnesota | 1 | $ 3,000 | $ 3,000 | $ 66,000 |
| Dakota, Minnesota | 1 | $ 26,000 | $ 26,000 | $ 91,000 |
| Dodge, Minnesota | 1 | $ 17,000 | $ 17,000 | $ 62,000 |
| Hinds, Mississippi | 1 | $ 124,000 | $ 124,000 | $ 35,000 |
| Lamar, Mississippi | 1 | $ 3,000 | $ 3,000 | $ 60,000 |
| Lauderdale, Mississippi | 1 | $ 20,000 | $ 20,000 | $ 88,000 |
| Lowndes, Mississippi | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Warren, Mississippi | 1 | $ 3,000 | $ 3,000 | $ 50,000 |
| Holt, Missouri | 1 | $ 70,000 | $ 70,000 | $ 33,000 |
| Ralls, Missouri | 1 | $ 57,000 | $ 57,000 | $ 48,000 |
| Dawson, Nebraska | 1 | $ 10,000 | $ 10,000 | $ 129,000 |
| Middlesex, New Jersey | 1 | $ 25,000 | $ 25,000 | $ 102,000 |
| Nassau, New York | 1 | $ 300,000 | $ 300,000 | $ 84,000 |
| Suffolk, New York | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| New Hanover, North Carolina | 1 | $ 3,000 | $ 3,000 | $ 42,000 |
| Onslow, North Carolina | 1 | $ 238,000 | $ 238,000 | $ 84,000 |
| Union, North Carolina | 1 | $ 169,000 | $ 169,000 | $ 54,000 |
| Wake, North Carolina | 1 | $ 4,000 | $ 4,000 | $ 42,000 |
| Columbiana, Ohio | 1 | $ 152,000 | $ 152,000 | $ 59,000 |
| Delaware, Ohio | 1 | $ 29,000 | $ 29,000 | $ 63,000 |
| Richland, Ohio | 1 | $ 3,000 | $ 3,000 | $ 86,000 |
| Ross, Ohio | 1 | $ 14,000 | $ 14,000 | $ 138,000 |
| Trumbull, Ohio | 1 | $ 77,000 | $ 77,000 | $ 43,000 |
| Delaware, Pennsylvania | 1 | $ 313,000 | $ 313,000 | $ 70,000 |
| Northampton, Pennsylvania | 1 | $ 327,000 | $ 327,000 | $ 139,000 |
| Davidson, Tennessee | 1 | $ 3,000 | $ 3,000 | $ 56,000 |
| Dickson, Tennessee | 1 | $ 31,000 | $ 31,000 | $ 63,000 |
| Franklin, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Lincoln, Tennessee | 1 | $ 3,000 | $ 3,000 | $ 72,000 |
| Obion, Tennessee | 1 | $ 4,000 | $ 4,000 | $ 82,000 |
| Shelby, Tennessee | 1 | $ 3,000 | $ 3,000 | $ 54,000 |
| Bell, Texas | 1 | $ 24,000 | $ 24,000 | $ 191,000 |
| Bowie, Texas | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Burnet, Texas | 1 | $ 19,000 | $ 19,000 | $ 0 |
| El Paso, Texas | 1 | $ 9,000 | $ 9,000 | $ 0 |
| Fayette, Texas | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Grimes, Texas | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Hays, Texas | 1 | $ 14,000 | $ 14,000 | $ 174,000 |
| Hood, Texas | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Hunt, Texas | 1 | $ 3,000 | $ 3,000 | $ 129,000 |
| Kimble, Texas | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Liberty, Texas | 1 | $ 3,000 | $ 3,000 | $ 53,000 |
| Nueces, Texas | 1 | $ 100,000 | $ 100,000 | $ 219,000 |
| Rains, Texas | 1 | $ 50,000 | $ 50,000 | $ 127,000 |
| Upshur, Texas | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Wharton, Texas | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Wood, Texas | 1 | $ 75,000 | $ 75,000 | $ 91,000 |
| Campbell, Virginia | 1 | $ 152,000 | $ 152,000 | $ 68,000 |
| Loudoun, Virginia | 1 | $ 16,000 | $ 16,000 | $ 50,000 |
| Stafford, Virginia | 1 | $ 150,000 | $ 150,000 | $ 68,000 |
| Clark, Washington | 1 | $ 5,000 | $ 5,000 | $ 64,000 |
| Walworth, Wisconsin | 1 | $ 60,000 | $ 60,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for Share Plus Federal Bank in 2006
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 403 | $55,267,000 | $137,000 | $1,499,000 | $84,000 | $1,228,000 |
| Refinancing | 189 | $32,118,000 | $169,000 | $2,160,000 | $115,000 | $2,234,000 |
| Home Improvement | 127 | $2,086,000 | $16,000 | $124,000 | $84,000 | $380,000 |
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 | 258 | $46,040,000 | $178,000 | $2,160,000 | $135,000 | $2,234,000 |
| Not Provided | 169 | $11,722,000 | $69,000 | $440,000 | $96,000 | $516,000 |
| Not applicable | 168 | $11,008,000 | $65,000 | $997,000 | $19,000 | $1,179,000 |
| Hispanic | 51 | $5,912,000 | $115,000 | $340,000 | $84,000 | $518,000 |
| Black or African American | 47 | $9,076,000 | $193,000 | $1,499,000 | $107,000 | $654,000 |
| Asian | 22 | $4,915,000 | $223,000 | $1,393,000 | $112,000 | $540,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $498,000 | $166,000 | $200,000 | $54,000 | $61,000 |
| American Indian or Alaskan Native | 1 | $300,000 | $300,000 | $300,000 | $165,000 | $165,000 |
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) | 719 | $89,471,000 | $124,000 | $2,160,000 | $92,000 | $2,234,000 |
| 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 | 349 | $48,161,000 | $137,000 | $2,160,000 | $130,000 | $2,234,000 |
| Loan Purchased By The Institution | 168 | $11,008,000 | $65,000 | $997,000 | $19,000 | $1,179,000 |
| Application Denied By Financial Institution | 127 | $16,978,000 | $133,000 | $1,400,000 | $82,000 | $540,000 |
| Preapproval Denied by Financial Institution | 52 | $8,893,000 | $171,000 | $440,000 | $107,000 | $516,000 |
| Application Approved But Not Accepted | 19 | $3,687,000 | $194,000 | $664,000 | $71,000 | $155,000 |
| File Closed For Incompleteness | 2 | $350,000 | $175,000 | $200,000 | $51,000 | $56,000 |
| Preapproval Approved but not Accepted | 2 | $394,000 | $197,000 | $332,000 | $130,000 | $130,000 |
| Application Withdrawn By Applicant | 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 | 113 | $11,816,000 | $104,000 | $435,000 | $78,000 | $516,000 |
| Debt-To-Income Ratio | 33 | $7,066,000 | $214,000 | $1,400,000 | $100,000 | $380,000 |
| Collateral | 17 | $4,274,000 | $251,000 | $1,393,000 | $127,000 | $540,000 |
| Other | 8 | $1,097,000 | $137,000 | $292,000 | $105,000 | $241,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,218,000 | $203,000 | $440,000 | $41,000 | $130,000 |
| Unverifiable Information | 1 | $200,000 | $200,000 | $200,000 | $450,000 | $450,000 |
| Credit Application Incomplete | 1 | $200,000 | $200,000 | $200,000 | $125,000 | $125,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Share Plus Federal Bank's 2006 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 Share Plus Federal 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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