Share Plus Federal Bank Mortgage Lending & HMDA Data, 2004
In 2004, Share Plus Federal Bank of Plano, TX reported 352 mortgage applications totaling $58.3 million. The average application was for $165,750, and applicants reported an average income of $104,951. 99% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Dallas-Plano-Irving, TX (141), Louisville, KY-IN (30) and Orlando, FL (17) (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 | 352 |
| Total Mortgage Loan Application Amount | $58,344,000 |
| Average Mortgage Loan Application Amount | $165,750 |
| Highest Mortgage Loan Application Amount | $789,000 |
| Average Applicant Income | $104,951 |
| Highest Applicant Income | $523,000 |
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(HMDA) records Share Plus Federal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 141 | $ 22,714,000 | $ 161,092 | $ 120,000 |
| Louisville, KY-IN | 30 | $ 3,971,000 | $ 132,366 | $ 115,000 |
| Orlando, FL | 17 | $ 1,903,000 | $ 111,941 | $ 77,000 |
| Fort Worth-Arlington, TX | 16 | $ 2,404,000 | $ 150,250 | $ 68,000 |
| Atlanta-Sandy Springs-Marietta, GA | 8 | $ 1,123,000 | $ 140,375 | $ 65,000 |
| Santa Ana-Anaheim-Irvine, CA | 8 | $ 2,978,000 | $ 372,250 | $ 123,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 715,000 | $ 143,000 | $ 91,000 |
| Bakersfield, CA | 4 | $ 687,000 | $ 171,750 | $ 60,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 602,000 | $ 150,500 | $ 80,000 |
| Houston-Baytown-Sugar Land, TX | 4 | $ 512,000 | $ 128,000 | $ 85,000 |
| Las Vegas-Paradise, NV | 4 | $ 1,190,000 | $ 297,500 | $ 110,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 836,000 | $ 209,000 | $ 70,000 |
| Boise City-Nampa, ID | 3 | $ 424,000 | $ 141,333 | $ 113,000 |
| Chicago-Naperville-Joliet, IL | 3 | $ 844,000 | $ 281,333 | $ 83,000 |
| Lubbock, TX | 3 | $ 171,000 | $ 57,000 | $ 62,000 |
| Nassau-Suffolk, NY | 3 | $ 837,000 | $ 279,000 | $ 111,000 |
| Baltimore-Towson, MD | 2 | $ 623,000 | $ 311,500 | $ 105,000 |
| Charleston-North Charleston, SC | 2 | $ 201,000 | $ 100,500 | $ 77,000 |
| Chattanooga, TN-GA | 2 | $ 174,000 | $ 87,000 | $ 82,000 |
| College Station-Bryan, TX | 2 | $ 133,000 | $ 66,500 | $ 429,000 |
| Denver-Aurora, CO | 2 | $ 698,000 | $ 349,000 | $ 153,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 597,000 | $ 298,500 | $ 255,000 |
| Indianapolis, IN | 2 | $ 421,000 | $ 210,500 | $ 61,000 |
| Macon, GA | 2 | $ 332,000 | $ 166,000 | $ 88,000 |
| Manchester-Nashua, NH | 2 | $ 322,000 | $ 161,000 | $ 102,000 |
| Memphis, TN-MS-AR | 2 | $ 199,000 | $ 99,500 | $ 93,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 164,000 | $ 82,000 | $ 54,000 |
| Reno-Sparks, NV | 2 | $ 311,000 | $ 155,500 | $ 70,000 |
| Salt Lake City, UT | 2 | $ 257,000 | $ 128,500 | $ 30,000 |
| San Antonio, TX | 2 | $ 208,000 | $ 104,000 | $ 41,000 |
| Tyler, TX | 2 | $ 153,000 | $ 76,500 | $ 150,000 |
| Visalia-Porterville, CA | 2 | $ 411,000 | $ 205,500 | $ 76,000 |
| Albuquerque, NM | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Amarillo, TX | 1 | $ 100,000 | $ 100,000 | $ 32,000 |
| Austin-Round Rock, TX | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Binghamton, NY | 1 | $ 67,000 | $ 67,000 | $ 30,000 |
| Birmingham-Hoover, AL | 1 | $ 260,000 | $ 260,000 | $ 117,000 |
| Boston-Quincy, MA | 1 | $ 200,000 | $ 200,000 | $ 523,000 |
| Bremerton-Silverdale, WA | 1 | $ 204,000 | $ 204,000 | $ 75,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 162,000 | $ 162,000 | $ 213,000 |
| Corpus Christi, TX | 1 | $ 80,000 | $ 80,000 | $ 120,000 |
| Des Moines, IA | 1 | $ 364,000 | $ 364,000 | $ 91,000 |
| El Centro, CA | 1 | $ 192,000 | $ 192,000 | $ 45,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 540,000 | $ 540,000 | $ 224,000 |
| Jacksonville, FL | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Kankakee-Bradley, IL | 1 | $ 122,000 | $ 122,000 | $ 73,000 |
| Knoxville, TN | 1 | $ 144,000 | $ 144,000 | $ 73,000 |
| Lafayette, IN | 1 | $ 214,000 | $ 214,000 | $ 84,000 |
| Little Rock-North Little Rock, AR | 1 | $ 68,000 | $ 68,000 | $ 37,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 237,000 | $ 237,000 | $ 81,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 107,000 | $ 107,000 | $ 55,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 198,000 | $ 198,000 | $ 89,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 133,000 | $ 133,000 | $ 106,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 181,000 | $ 181,000 | $ 47,000 |
| Newark-Union, NJ-PA | 1 | $ 420,000 | $ 420,000 | $ 150,000 |
| Ocala, FL | 1 | $ 77,000 | $ 77,000 | $ 45,000 |
| Prescott, AZ | 1 | $ 330,000 | $ 330,000 | $ 225,000 |
| Rochester, MN | 1 | $ 166,000 | $ 166,000 | $ 49,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 330,000 | $ 330,000 | $ 93,000 |
| Topeka, KS | 1 | $ 101,000 | $ 101,000 | $ 50,000 |
| Warren-Farmington Hills-Troy, MI | 1 | $ 224,000 | $ 224,000 | $ 103,000 |
| Wichita, KS | 1 | $ 63,000 | $ 63,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Share Plus Federal Bank in 2004
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 | 225 | $38,458,000 | $211,142 | $789,000 | $124,607 | $523,000 |
| Refinancing | 108 | $19,218,000 | $192,850 | $789,000 | $85,900 | $449,000 |
| Home Improvement | 19 | $668,000 | $23,666 | $100,000 | $80,333 | $323,000 |
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 | 280 | $46,889,000 | $203,714 | $789,000 | $98,428 | $500,000 |
| Hispanic | 22 | $3,152,000 | $158,888 | $407,000 | $94,888 | $238,000 |
| Black or African American | 21 | $2,883,000 | $150,375 | $664,000 | $82,125 | $300,000 |
| Not Provided | 14 | $2,232,000 | $192,714 | $498,000 | $113,000 | $225,000 |
| Asian | 9 | $2,658,000 | $276,000 | $502,000 | $197,000 | $523,000 |
| American Indian or Alaskan Native | 4 | $358,000 | $89,500 | $172,000 | $64,500 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $172,000 | $86,000 | $153,000 | $93,000 | $93,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 348 | $57,921,000 | $199,906 | $789,000 | $114,812 | $523,000 |
| FHA-insured (Federal Housing Administration) | 4 | $423,000 | $96,000 | $163,000 | $51,000 | $77,000 |
| 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 | 347 | $57,899,000 | $199,937 | $789,000 | $114,875 | $523,000 |
| Application Denied By Financial Institution | 3 | $234,000 | $77,500 | $91,000 | $58,000 | $109,000 |
| Application Withdrawn By Applicant | 2 | $211,000 | $105,500 | $111,000 | $49,000 | $66,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $77,000 | $77,000 | $77,000 | $45,000 | $45,000 |
| Collateral | 1 | $91,000 | $91,000 | $91,000 | $109,000 | $109,000 |
| Other | 1 | $66,000 | $66,000 | $66,000 | $33,000 | $33,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Share Plus Federal Bank's 2004 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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