Share Plus Federal Bank Mortgage Lending & HMDA Data, 2012
In 2012, Share Plus Federal Bank of Plano, TX reported 585 mortgage applications totaling $129.4 million, up 36% from 2011. The average application was for $221,170, and applicants reported an average income of $153,760. 75% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Dallas-Plano-Irving, TX (409), Louisville/Jefferson County, KY-IN (34) and Fort Worth-Arlington, TX (25) (applications in parentheses).
| Mortgage Company & Address | Share Plus Federal Bank 5224 W. Plano Parkway Plano, TX 75093 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 |
| Total Number of Mortgage Applications | 585 |
| Total Mortgage Loan Application Amount | $129,385,000 |
| Average Mortgage Loan Application Amount | $221,170 |
| Highest Mortgage Loan Application Amount | $2,495,000 |
| Average Applicant Income | $153,760 |
| Highest Applicant Income | $5,407,000 |
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(HMDA) records Share Plus Federal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 409 | $ 97,891,000 | $ 239,342 | $ 161,000 |
| Louisville/Jefferson County, KY-IN | 34 | $ 4,692,000 | $ 138,000 | $ 117,852 |
| Fort Worth-Arlington, TX | 25 | $ 5,038,000 | $ 201,520 | $ 139,000 |
| Houston-Sugar Land-Baytown, TX | 6 | $ 1,118,000 | $ 186,333 | $ 138,000 |
| Chicago-Joliet-Naperville, IL | 5 | $ 1,201,000 | $ 240,200 | $ 160,000 |
| Denver-Aurora-Broomfield, CO | 5 | $ 1,274,000 | $ 254,800 | $ 112,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 648,000 | $ 162,000 | $ 89,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 185,000 | $ 46,250 | $ 59,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 973,000 | $ 243,250 | $ 77,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 339,000 | $ 113,000 | $ 73,000 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 564,000 | $ 188,000 | $ 110,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 3 | $ 236,000 | $ 78,666 | $ 69,000 |
| Jacksonville, FL | 3 | $ 993,000 | $ 331,000 | $ 135,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 747,000 | $ 249,000 | $ 154,666 |
| San Antonio-New Braunfels, TX | 3 | $ 342,000 | $ 114,000 | $ 115,000 |
| Boston-Quincy, MA | 2 | $ 1,538,000 | $ 769,000 | $ 392,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 156,000 | $ 78,000 | $ 41,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 30,000 | $ 15,000 | $ 60,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 371,000 | $ 185,500 | $ 82,000 |
| Sherman-Denison, TX | 2 | $ 261,000 | $ 130,500 | $ 96,000 |
| Shreveport-Bossier City, LA | 2 | $ 435,000 | $ 217,500 | $ 85,000 |
| Abilene, TX | 1 | $ 196,000 | $ 196,000 | $ 92,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 3,000 | $ 3,000 | $ 54,000 |
| Bakersfield-Delano, CA | 1 | $ 3,000 | $ 3,000 | $ 42,000 |
| Birmingham-Hoover, AL | 1 | $ 300,000 | $ 300,000 | $ 185,000 |
| Brownsville-Harlingen, TX | 1 | $ 374,000 | $ 374,000 | $ 265,000 |
| Danville, VA | 1 | $ 126,000 | $ 126,000 | $ 72,000 |
| Gadsden, AL | 1 | $ 10,000 | $ 10,000 | $ 88,000 |
| Hot Springs, AR | 1 | $ 4,000 | $ 4,000 | $ 69,000 |
| Indianapolis-Carmel, IN | 1 | $ 183,000 | $ 183,000 | $ 87,000 |
| Jackson, MS | 1 | $ 114,000 | $ 114,000 | $ 76,000 |
| Jacksonville, NC | 1 | $ 84,000 | $ 84,000 | $ 49,000 |
| Kalamazoo-Portage, MI | 1 | $ 417,000 | $ 417,000 | $ 524,000 |
| Kansas City, MO-KS | 1 | $ 558,000 | $ 558,000 | $ 360,000 |
| Knoxville, TN | 1 | $ 189,000 | $ 189,000 | $ 78,000 |
| Lafayette, LA | 1 | $ 130,000 | $ 130,000 | $ 66,000 |
| Laredo, TX | 1 | $ 112,000 | $ 112,000 | $ 80,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 196,000 | $ 196,000 | $ 49,000 |
| Macon, GA | 1 | $ 3,000 | $ 3,000 | $ 96,000 |
| Memphis, TN-MS-AR | 1 | $ 10,000 | $ 10,000 | $ 66,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 10,000 | $ 10,000 | $ 42,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 3,000 | $ 3,000 | $ 60,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 192,000 | $ 192,000 | $ 83,000 |
| Newark-Union, NJ-PA | 1 | $ 377,000 | $ 377,000 | $ 170,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 10,000 | $ 10,000 | $ 285,000 |
| Peabody, MA | 1 | $ 459,000 | $ 459,000 | $ 119,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 185,000 | $ 185,000 | $ 90,000 |
| Port St. Lucie, FL | 1 | $ 38,000 | $ 38,000 | $ 50,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 410,000 | $ 410,000 | $ 300,000 |
| Reading, PA | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 429,000 | $ 429,000 | $ 160,000 |
| Spartanburg, SC | 1 | $ 232,000 | $ 232,000 | $ 64,000 |
| Waco, TX | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Warner Robins, GA | 1 | $ 10,000 | $ 10,000 | $ 101,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 234,000 | $ 234,000 | $ 144,000 |
| Winston-Salem, NC | 1 | $ 139,000 | $ 139,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Share Plus Federal 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 | 302 | $71,067,000 | $235,000 | $2,495,000 | $153,000 | $1,278,000 |
| Home Purchase | 218 | $56,919,000 | $261,000 | $1,591,000 | $178,000 | $5,407,000 |
| Home Improvement | 65 | $1,399,000 | $21,000 | $293,000 | $76,000 | $285,000 |
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 | 441 | $96,572,000 | $218,000 | $1,500,000 | $146,000 | $1,278,000 |
| Not Provided | 44 | $14,127,000 | $321,000 | $2,495,000 | $185,000 | $963,000 |
| Hispanic | 41 | $7,202,000 | $175,000 | $711,000 | $147,000 | $677,000 |
| Asian | 28 | $7,584,000 | $270,000 | $1,591,000 | $316,000 | $5,407,000 |
| Black or African American | 28 | $3,277,000 | $117,000 | $520,000 | $93,000 | $251,000 |
| American Indian or Alaskan Native | 2 | $191,000 | $95,000 | $188,000 | $57,000 | $92,000 |
| Not applicable | 1 | $432,000 | $432,000 | $432,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 500 | $114,987,000 | $229,000 | $2,495,000 | $165,000 | $5,407,000 |
| FHA-insured (Federal Housing Administration) | 78 | $12,196,000 | $156,000 | $391,000 | $87,000 | $255,000 |
| VA-guaranteed (Veterans Administration) | 7 | $2,202,000 | $314,000 | $590,000 | $122,000 | $266,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 440 | $102,872,000 | $233,000 | $2,495,000 | $161,000 | $5,407,000 |
| Application Denied By Financial Institution | 76 | $10,192,000 | $134,000 | $921,000 | $101,000 | $456,000 |
| Application Withdrawn By Applicant | 49 | $12,503,000 | $255,000 | $1,750,000 | $181,000 | $1,278,000 |
| File Closed For Incompleteness | 16 | $3,786,000 | $236,000 | $627,000 | $153,000 | $441,000 |
| Application Approved But Not Accepted | 4 | $32,000 | $8,000 | $10,000 | $71,000 | $110,000 |
| 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 | 34 | $3,089,000 | $90,000 | $919,000 | $89,000 | $456,000 |
| Debt-To-Income Ratio | 17 | $879,000 | $51,000 | $300,000 | $62,000 | $214,000 |
| Collateral | 16 | $2,971,000 | $185,000 | $417,000 | $128,000 | $430,000 |
| Unverifiable Information | 5 | $1,716,000 | $343,000 | $921,000 | $179,000 | $455,000 |
| Other | 3 | $807,000 | $269,000 | $374,000 | $161,000 | $265,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $730,000 | $730,000 | $730,000 | $194,000 | $194,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Share Plus Federal 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 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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