Share Plus Federal Bank Mortgage Lending & HMDA Data, 2011
In 2011, Share Plus Federal Bank of Plano, TX reported 429 mortgage applications totaling $105.6 million. The average application was for $246,254, and applicants reported an average income of $165,466. 78% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Dallas-Plano-Irving, TX (273), Fort Worth-Arlington, TX (27) and Louisville-Jefferson County, KY-IN (17) (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 | 429 |
| Total Mortgage Loan Application Amount | $105,643,000 |
| Average Mortgage Loan Application Amount | $246,254 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $165,466 |
| Highest Applicant Income | $2,095,000 |
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(HMDA) records Share Plus Federal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 273 | $ 74,975,000 | $ 274,633 | $ 173,000 |
| Fort Worth-Arlington, TX | 27 | $ 9,421,000 | $ 348,925 | $ 222,000 |
| Louisville-Jefferson County, KY-IN | 17 | $ 2,261,000 | $ 133,000 | $ 114,058 |
| Austin-Round Rock-San Marcos, TX | 7 | $ 1,742,000 | $ 248,857 | $ 174,000 |
| Houston-Sugar Land-Baytown, TX | 7 | $ 820,000 | $ 117,142 | $ 103,000 |
| Sherman-Denison, TX | 4 | $ 796,000 | $ 199,000 | $ 235,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 1,391,000 | $ 463,666 | $ 119,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 215,000 | $ 71,666 | $ 102,333 |
| Oklahoma City, OK | 3 | $ 371,000 | $ 123,666 | $ 91,000 |
| San Antonio-New Braunfels, TX | 3 | $ 388,000 | $ 129,333 | $ 123,000 |
| Tyler, TX | 3 | $ 322,000 | $ 107,333 | $ 85,000 |
| Waco, TX | 3 | $ 313,000 | $ 104,333 | $ 71,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 363,000 | $ 181,500 | $ 60,000 |
| Chicago-Joliet-Naperville, IL | 2 | $ 1,648,000 | $ 824,000 | $ 781,000 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 339,000 | $ 169,500 | $ 206,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 429,000 | $ 214,500 | $ 102,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 189,000 | $ 94,500 | $ 185,000 |
| Phoenix-Mesa-Glendale, AZ | 2 | $ 709,000 | $ 354,500 | $ 165,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 320,000 | $ 160,000 | $ 79,000 |
| Warner Robins, GA | 2 | $ 13,000 | $ 6,500 | $ 58,000 |
| Albany, GA | 1 | $ 5,000 | $ 5,000 | $ 60,000 |
| Athens-Clarke County, GA | 1 | $ 5,000 | $ 5,000 | $ 54,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 255,000 | $ 255,000 | $ 78,000 |
| Baton Rouge, LA | 1 | $ 51,000 | $ 51,000 | $ 48,000 |
| Beaumont-Port Arthur, TX | 1 | $ 72,000 | $ 72,000 | $ 49,000 |
| Birmingham-Hoover, AL | 1 | $ 228,000 | $ 228,000 | $ 117,000 |
| Bloomington, IN | 1 | $ 75,000 | $ 75,000 | $ 21,000 |
| Boston-Quincy, MA | 1 | $ 657,000 | $ 657,000 | $ 175,000 |
| Camden, NJ | 1 | $ 38,000 | $ 38,000 | $ 58,000 |
| Clarksville, TN-KY | 1 | $ 5,000 | $ 5,000 | $ 75,000 |
| Danville, VA | 1 | $ 122,000 | $ 122,000 | $ 72,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 252,000 | $ 252,000 | $ 123,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 293,000 | $ 293,000 | $ 110,000 |
| Indianapolis-Carmel, IN | 1 | $ 417,000 | $ 417,000 | $ 232,000 |
| Jacksonville, FL | 1 | $ 350,000 | $ 350,000 | $ 420,000 |
| Kansas City, MO-KS | 1 | $ 4,000 | $ 4,000 | $ 99,000 |
| Laredo, TX | 1 | $ 126,000 | $ 126,000 | $ 77,000 |
| Lexington-Fayette, KY | 1 | $ 120,000 | $ 120,000 | $ 63,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 207,000 | $ 207,000 | $ 75,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 600,000 | $ 600,000 | $ 155,000 |
| Lynchburg, VA | 1 | $ 5,000 | $ 5,000 | $ 71,000 |
| Mansfield, OH | 1 | $ 4,000 | $ 4,000 | $ 126,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 102,000 | $ 102,000 | $ 169,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 8,000 | $ 8,000 | $ 57,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 171,000 | $ 171,000 | $ 89,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 320,000 | $ 320,000 | $ 85,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Redding, CA | 1 | $ 170,000 | $ 170,000 | $ 97,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 698,000 | $ 698,000 | $ 240,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 193,000 | $ 193,000 | $ 120,000 |
| Wilmington, DE-MD-NJ | 1 | $ 5,000 | $ 5,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Share Plus Federal Bank in 2011
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 | 186 | $50,964,000 | $274,000 | $1,363,000 | $183,000 | $1,449,000 |
| Home Purchase | 176 | $53,084,000 | $301,000 | $2,400,000 | $173,000 | $2,095,000 |
| Home Improvement | 67 | $1,595,000 | $23,000 | $332,000 | $97,000 | $504,000 |
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 | 321 | $72,894,000 | $227,000 | $1,363,000 | $150,000 | $2,095,000 |
| Not Provided | 38 | $17,609,000 | $463,000 | $2,400,000 | $320,000 | $1,449,000 |
| Black or African American | 27 | $3,499,000 | $129,000 | $413,000 | $98,000 | $248,000 |
| Hispanic | 25 | $5,574,000 | $222,000 | $1,328,000 | $165,000 | $1,465,000 |
| Asian | 17 | $5,945,000 | $349,000 | $1,080,000 | $210,000 | $758,000 |
| American Indian or Alaskan Native | 1 | $122,000 | $122,000 | $122,000 | $56,000 | $56,000 |
| 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) | 381 | $97,201,000 | $255,000 | $2,400,000 | $174,000 | $2,095,000 |
| FHA-insured (Federal Housing Administration) | 43 | $6,905,000 | $160,000 | $271,000 | $92,000 | $245,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,537,000 | $307,000 | $597,000 | $106,000 | $209,000 |
| 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 | 333 | $84,606,000 | $254,000 | $2,400,000 | $177,000 | $2,095,000 |
| Application Denied By Financial Institution | 47 | $10,479,000 | $222,000 | $1,363,000 | $105,000 | $426,000 |
| Application Withdrawn By Applicant | 34 | $7,768,000 | $228,000 | $873,000 | $144,000 | $396,000 |
| File Closed For Incompleteness | 12 | $2,055,000 | $171,000 | $276,000 | $133,000 | $360,000 |
| Application Approved But Not Accepted | 3 | $735,000 | $245,000 | $725,000 | $168,000 | $388,000 |
| 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 | 22 | $1,126,000 | $51,000 | $267,000 | $62,000 | $152,000 |
| Debt-To-Income Ratio | 20 | $7,477,000 | $373,000 | $1,363,000 | $127,000 | $426,000 |
| Collateral | 5 | $1,876,000 | $375,000 | $867,000 | $205,000 | $373,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Share Plus Federal Bank's 2011 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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