Share Plus Federal Bank Mortgage Lending & HMDA Data, 2005
In 2005, Share Plus Federal Bank of Plano, TX reported 257 mortgage applications totaling $28.2 million, down 27% from 2004. The average application was for $109,848, and applicants reported an average income of $103,680. 94% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Dallas-Plano-Irving, TX (94), Louisville, KY-IN (23) and Orlando, FL (11) (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 | 257 |
| Total Mortgage Loan Application Amount | $28,231,000 |
| Average Mortgage Loan Application Amount | $109,848 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $103,680 |
| Highest Applicant Income | $2,340,000 |
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(HMDA) records Share Plus Federal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 94 | $ 12,254,000 | $ 130,361 | $ 121,000 |
| Louisville, KY-IN | 23 | $ 1,526,000 | $ 66,347 | $ 72,000 |
| Orlando, FL | 11 | $ 1,007,000 | $ 91,545 | $ 59,000 |
| Charlotte-Gastonia-Concord, NC-SC | 6 | $ 562,000 | $ 93,666 | $ 144,000 |
| Fort Worth-Arlington, TX | 5 | $ 408,000 | $ 81,600 | $ 102,000 |
| Killeen-Temple-Fort Hood, TX | 5 | $ 524,000 | $ 104,800 | $ 60,000 |
| Atlanta-Sandy Springs-Marietta, GA | 4 | $ 216,000 | $ 54,000 | $ 61,000 |
| San Antonio, TX | 4 | $ 521,000 | $ 130,250 | $ 296,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 377,000 | $ 125,666 | $ 110,000 |
| Jackson, MS | 3 | $ 232,000 | $ 77,333 | $ 50,000 |
| Bakersfield, CA | 2 | $ 152,000 | $ 76,000 | $ 78,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 220,000 | $ 110,000 | $ 94,000 |
| Dover, DE | 2 | $ 258,000 | $ 129,000 | $ 96,000 |
| Edison, NJ | 2 | $ 1,004,000 | $ 502,000 | $ 209,000 |
| Houston-Baytown-Sugar Land, TX | 2 | $ 75,000 | $ 37,500 | $ 76,000 |
| Indianapolis, IN | 2 | $ 563,000 | $ 281,500 | $ 89,000 |
| Jacksonville, FL | 2 | $ 378,000 | $ 189,000 | $ 151,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 183,000 | $ 91,500 | $ 40,000 |
| Modesto, CA | 2 | $ 167,000 | $ 83,500 | $ 69,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 290,000 | $ 145,000 | $ 93,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 917,000 | $ 458,500 | $ 135,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 296,000 | $ 148,000 | $ 137,000 |
| Sherman-Denison, TX | 2 | $ 110,000 | $ 55,000 | $ 110,000 |
| Topeka, KS | 2 | $ 24,000 | $ 12,000 | $ 74,000 |
| Warner Robins, GA | 2 | $ 6,000 | $ 3,000 | $ 57,000 |
| Akron, OH | 1 | $ 425,000 | $ 425,000 | $ 255,000 |
| Albany, GA | 1 | $ 5,000 | $ 5,000 | $ 52,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 270,000 | $ 270,000 | $ 120,000 |
| Amarillo, TX | 1 | $ 4,000 | $ 4,000 | $ 40,000 |
| Athens-Clarke County, GA | 1 | $ 97,000 | $ 97,000 | $ 54,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 3,000 | $ 3,000 | $ 50,000 |
| Austin-Round Rock, TX | 1 | $ 294,000 | $ 294,000 | $ 169,000 |
| Baltimore-Towson, MD | 1 | $ 30,000 | $ 30,000 | $ 71,000 |
| Baton Rouge, LA | 1 | $ 171,000 | $ 171,000 | $ 61,000 |
| Boise City-Nampa, ID | 1 | $ 182,000 | $ 182,000 | $ 88,000 |
| Boulder, CO | 1 | $ 218,000 | $ 218,000 | $ 114,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 88,000 | $ 88,000 | $ 45,000 |
| College Station-Bryan, TX | 1 | $ 158,000 | $ 158,000 | $ 163,000 |
| Danville, VA | 1 | $ 5,000 | $ 5,000 | $ 60,000 |
| Dayton, OH | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 65,000 | $ 65,000 | $ 71,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 25,000 | $ 25,000 | $ 276,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 374,000 | $ 374,000 | $ 199,000 |
| Fort Wayne, IN | 1 | $ 3,000 | $ 3,000 | $ 47,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 172,000 | $ 172,000 | $ 255,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 16,000 | $ 16,000 | $ 74,000 |
| Honolulu, HI | 1 | $ 28,000 | $ 28,000 | $ 37,000 |
| Kansas City, MO-KS | 1 | $ 5,000 | $ 5,000 | $ 91,000 |
| Lakeland, FL | 1 | $ 30,000 | $ 30,000 | $ 81,000 |
| Lexington-Fayette, KY | 1 | $ 3,000 | $ 3,000 | $ 51,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 5,000 | $ 5,000 | $ 51,000 |
| Mansfield, OH | 1 | $ 3,000 | $ 3,000 | $ 93,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 142,000 | $ 142,000 | $ 58,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 347,000 | $ 347,000 | $ 141,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 3,000 | $ 3,000 | $ 45,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 20,000 | $ 20,000 | $ 40,000 |
| Raleigh-Cary, NC | 1 | $ 81,000 | $ 81,000 | $ 50,000 |
| Roanoke, VA | 1 | $ 152,000 | $ 152,000 | $ 105,000 |
| Salt Lake City, UT | 1 | $ 3,000 | $ 3,000 | $ 43,000 |
| St. Louis, MO-IL | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Warren-Farmington Hills-Troy, MI | 1 | $ 5,000 | $ 5,000 | $ 171,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Wilmington, NC | 1 | $ 5,000 | $ 5,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Share Plus Federal Bank in 2005
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 | 109 | $18,891,000 | $171,904 | $772,000 | $98,857 | $359,000 |
| Home Improvement | 107 | $2,168,000 | $11,592 | $332,000 | $72,888 | $2,340,000 |
| Refinancing | 41 | $7,172,000 | $225,000 | $1,000,000 | $120,461 | $329,000 |
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 | 157 | $21,682,000 | $157,111 | $1,000,000 | $100,296 | $2,340,000 |
| Not Provided | 73 | $1,794,000 | $17,760 | $425,000 | $75,360 | $626,000 |
| Hispanic | 14 | $1,973,000 | $186,750 | $380,000 | $121,250 | $200,000 |
| Black or African American | 10 | $2,133,000 | $202,800 | $772,000 | $87,800 | $230,000 |
| Asian | 2 | $399,000 | $199,000 | $216,000 | $119,000 | $136,000 |
| American Indian or Alaskan Native | 1 | $250,000 | $250,000 | $250,000 | $70,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 257 | $28,231,000 | $95,685 | $1,000,000 | $85,228 | $2,340,000 |
| 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 | 242 | $27,050,000 | $101,666 | $1,000,000 | $88,878 | $2,340,000 |
| Application Denied By Financial Institution | 10 | $345,000 | $34,428 | $120,000 | $47,571 | $83,000 |
| Application Approved But Not Accepted | 5 | $836,000 | $154,500 | $313,000 | $87,500 | $135,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $30,000 | $6,000 | $13,000 | $62,000 | $83,000 |
| Debt-To-Income Ratio | 3 | $45,000 | $15,000 | $20,000 | $45,000 | $71,000 |
| Collateral | 2 | $150,000 | $75,000 | $120,000 | $32,000 | $32,000 |
| Unverifiable Information | 1 | $120,000 | $120,000 | $120,000 | $48,000 | $48,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Share Plus Federal Bank's 2005 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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