Shareplus Bank Mortgage Lending & HMDA Data, 2013
In 2013, Shareplus Bank of Plano, TX reported 448 mortgage applications totaling $104.4 million. The average application was for $233,022, and applicants reported an average income of $160,080. 76% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Dallas-Plano-Irving, TX (300), Fort Worth-Arlington, TX (30) and Louisville/Jefferson County, KY-IN (16) (applications in parentheses).
| Mortgage Company & Address | Shareplus Bank 5224 W. Plano Parkway Plano, TX 75093 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 |
| Total Number of Mortgage Applications | 448 |
| Total Mortgage Loan Application Amount | $104,394,000 |
| Average Mortgage Loan Application Amount | $233,022 |
| Highest Mortgage Loan Application Amount | $2,906,000 |
| Average Applicant Income | $160,080 |
| Highest Applicant Income | $2,948,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Shareplus Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 300 | $ 76,682,000 | $ 255,606 | $ 170,000 |
| Fort Worth-Arlington, TX | 30 | $ 5,705,000 | $ 190,166 | $ 111,000 |
| Louisville/Jefferson County, KY-IN | 16 | $ 1,517,000 | $ 94,812 | $ 85,437 |
| Houston-Sugar Land-Baytown, TX | 9 | $ 2,405,000 | $ 267,222 | $ 145,000 |
| Corpus Christi, TX | 4 | $ 570,000 | $ 142,500 | $ 121,000 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 403,000 | $ 134,333 | $ 61,000 |
| Killeen-Temple-Fort Hood, TX | 3 | $ 654,000 | $ 218,000 | $ 134,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 646,000 | $ 215,333 | $ 77,000 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 298,000 | $ 99,333 | $ 53,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 58,000 | $ 19,333 | $ 114,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 1,235,000 | $ 617,500 | $ 250,000 |
| Bloomington, IN | 2 | $ 424,000 | $ 212,000 | $ 46,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 300,000 | $ 150,000 | $ 93,000 |
| Clarksville, TN-KY | 2 | $ 110,000 | $ 55,000 | $ 78,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 906,000 | $ 453,000 | $ 175,000 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 262,000 | $ 131,000 | $ 123,000 |
| San Antonio-New Braunfels, TX | 2 | $ 631,000 | $ 315,500 | $ 212,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 484,000 | $ 242,000 | $ 74,000 |
| Sherman-Denison, TX | 2 | $ 181,000 | $ 90,500 | $ 81,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 987,000 | $ 493,500 | $ 294,000 |
| Albuquerque, NM | 1 | $ 186,000 | $ 186,000 | $ 74,000 |
| Auburn-Opelika, AL | 1 | $ 78,000 | $ 78,000 | $ 44,000 |
| Chattanooga, TN-GA | 1 | $ 153,000 | $ 153,000 | $ 108,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 417,000 | $ 417,000 | $ 264,000 |
| Fort Collins-Loveland, CO | 1 | $ 194,000 | $ 194,000 | $ 198,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 296,000 | $ 296,000 | $ 231,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 10,000 | $ 10,000 | $ 192,000 |
| Indianapolis-Carmel, IN | 1 | $ 295,000 | $ 295,000 | $ 185,000 |
| Jackson, MI | 1 | $ 130,000 | $ 130,000 | $ 30,000 |
| Jacksonville, FL | 1 | $ 626,000 | $ 626,000 | $ 161,000 |
| Lakeland-Winter Haven, FL | 1 | $ 120,000 | $ 120,000 | $ 110,000 |
| Lubbock, TX | 1 | $ 116,000 | $ 116,000 | $ 278,000 |
| Macon, GA | 1 | $ 3,000 | $ 3,000 | $ 46,000 |
| Mansfield, OH | 1 | $ 4,000 | $ 4,000 | $ 83,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 233,000 | $ 233,000 | $ 200,000 |
| Midland, TX | 1 | $ 158,000 | $ 158,000 | $ 80,000 |
| Newark-Union, NJ-PA | 1 | $ 10,000 | $ 10,000 | $ 59,000 |
| Norwich-New London, CT | 1 | $ 9,000 | $ 9,000 | $ 21,000 |
| Oklahoma City, OK | 1 | $ 142,000 | $ 142,000 | $ 106,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 9,000 | $ 9,000 | $ 120,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 244,000 | $ 244,000 | $ 118,000 |
| Prescott, AZ | 1 | $ 280,000 | $ 280,000 | $ 450,000 |
| Raleigh-Cary, NC | 1 | $ 270,000 | $ 270,000 | $ 281,000 |
| Richmond, VA | 1 | $ 5,000 | $ 5,000 | $ 97,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 372,000 | $ 372,000 | $ 104,000 |
| Rochester, NY | 1 | $ 207,000 | $ 207,000 | $ 111,000 |
| Rockingham County-Strafford County, NH | 1 | $ 10,000 | $ 10,000 | $ 98,000 |
| Springfield, MA | 1 | $ 180,000 | $ 180,000 | $ 142,000 |
| Topeka, KS | 1 | $ 16,000 | $ 16,000 | $ 89,000 |
| Tulsa, OK | 1 | $ 185,000 | $ 185,000 | $ 59,000 |
| Warner Robins, GA | 1 | $ 88,000 | $ 88,000 | $ 80,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 6,000 | $ 6,000 | $ 79,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 400,000 | $ 400,000 | $ 720,000 |
Mortgage Loan Application Detail Totals for Shareplus Bank in 2013
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 | 230 | $65,499,000 | $284,000 | $2,906,000 | $185,000 | $2,948,000 |
| Refinancing | 162 | $37,787,000 | $233,000 | $1,500,000 | $151,000 | $1,554,000 |
| Home Improvement | 56 | $1,108,000 | $19,000 | $320,000 | $84,000 | $196,000 |
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 | 347 | $81,960,000 | $236,000 | $2,906,000 | $161,000 | $2,948,000 |
| Hispanic | 31 | $7,360,000 | $237,000 | $1,500,000 | $163,000 | $1,554,000 |
| Asian | 24 | $5,159,000 | $214,000 | $660,000 | $169,000 | $450,000 |
| Not Provided | 24 | $7,040,000 | $293,000 | $1,283,000 | $185,000 | $699,000 |
| Black or African American | 22 | $2,875,000 | $130,000 | $417,000 | $103,000 | $437,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 389 | $95,164,000 | $244,000 | $2,906,000 | $172,000 | $2,948,000 |
| FHA-insured (Federal Housing Administration) | 51 | $7,264,000 | $142,000 | $297,000 | $76,000 | $299,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,966,000 | $245,000 | $329,000 | $123,000 | $212,000 |
| 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 | 342 | $86,506,000 | $252,000 | $2,906,000 | $171,000 | $2,948,000 |
| Application Denied By Financial Institution | 51 | $5,900,000 | $115,000 | $669,000 | $91,000 | $396,000 |
| Application Withdrawn By Applicant | 42 | $8,782,000 | $209,000 | $820,000 | $138,000 | $550,000 |
| File Closed For Incompleteness | 12 | $2,968,000 | $247,000 | $1,500,000 | $210,000 | $1,554,000 |
| Application Approved But Not Accepted | 1 | $238,000 | $238,000 | $238,000 | $117,000 | $117,000 |
| 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 | 24 | $1,592,000 | $66,000 | $295,000 | $73,000 | $146,000 |
| Debt-To-Income Ratio | 11 | $1,584,000 | $144,000 | $669,000 | $113,000 | $396,000 |
| Collateral | 11 | $2,357,000 | $214,000 | $408,000 | $101,000 | $212,000 |
| Other | 3 | $120,000 | $40,000 | $101,000 | $130,000 | $192,000 |
| Unverifiable Information | 1 | $160,000 | $160,000 | $160,000 | $69,000 | $69,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $87,000 | $87,000 | $87,000 | $92,000 | $92,000 |
| 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 Shareplus Bank's 2013 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 Shareplus 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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