Shelter Mortgage Company, LLC Mortgage Lending & HMDA Data, 2012
In 2012, Shelter Mortgage Company, LLC of Brown Deer, WI reported 4,343 mortgage applications totaling $864.5 million, down 24% from 2011. The average application was for $199,054, and applicants reported an average income of $102,267. 78% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,055), Charleston-North Charleston-Summerville, SC (792) and Dallas-Plano-Irving, TX (433) (applications in parentheses).
| Mortgage Company & Address | Shelter Mortgage Company, LLC 4000 W Brown Deer Road Brown Deer, WI 53209 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 |
| Total Number of Mortgage Applications | 4,343 |
| Total Mortgage Loan Application Amount | $864,492,000 |
| Average Mortgage Loan Application Amount | $199,054 |
| Highest Mortgage Loan Application Amount | $1,470,000 |
| Average Applicant Income | $102,267 |
| Highest Applicant Income | $1,368,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Shelter Mortgage Company, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 1,055 | $ 222,425,000 | $ 210,829 | $ 115,000 |
| Charleston-North Charleston-Summerville, SC | 792 | $ 155,567,000 | $ 196,422 | $ 87,000 |
| Dallas-Plano-Irving, TX | 433 | $ 103,948,000 | $ 240,064 | $ 137,000 |
| Madison, WI | 312 | $ 56,846,000 | $ 182,198 | $ 89,000 |
| Wilmington, DE-MD-NJ | 178 | $ 42,098,000 | $ 236,505 | $ 102,595 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 143 | $ 34,239,000 | $ 239,433 | $ 111,000 |
| Milwaukee-Waukesha-West Allis, WI | 134 | $ 23,219,000 | $ 173,276 | $ 91,000 |
| Tulsa, OK | 111 | $ 17,235,000 | $ 155,270 | $ 82,000 |
| Burlington-South Burlington, VT | 91 | $ 18,337,000 | $ 201,505 | $ 69,000 |
| Fort Worth-Arlington, TX | 83 | $ 15,201,000 | $ 183,144 | $ 121,000 |
| Davenport-Moline-Rock Island, IA-IL | 63 | $ 9,226,000 | $ 146,444 | $ 72,523 |
| Las Vegas-Paradise, NV | 59 | $ 8,868,000 | $ 150,305 | $ 81,000 |
| Philadelphia, PA | 59 | $ 14,035,000 | $ 237,881 | $ 124,000 |
| Lakeland-Winter Haven, FL | 47 | $ 6,504,000 | $ 138,382 | $ 60,000 |
| Palm Bay-Melbourne-Titusville, FL | 46 | $ 8,057,000 | $ 175,152 | $ 78,000 |
| Dover, DE | 37 | $ 6,642,000 | $ 179,513 | $ 73,000 |
| Chicago-Joliet-Naperville, IL | 35 | $ 5,584,000 | $ 159,542 | $ 73,000 |
| Houston-Sugar Land-Baytown, TX | 27 | $ 4,692,000 | $ 173,777 | $ 111,000 |
| Warren-Troy-Farmington Hills, MI | 24 | $ 3,843,000 | $ 160,125 | $ 126,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 22 | $ 3,600,000 | $ 163,636 | $ 80,000 |
| Janesville, WI | 22 | $ 2,503,000 | $ 113,772 | $ 56,000 |
| Sherman-Denison, TX | 21 | $ 2,814,000 | $ 134,000 | $ 68,000 |
| Tampa-St. Petersburg-Clearwater, FL | 20 | $ 4,245,000 | $ 212,250 | $ 86,000 |
| Gainesville, GA | 19 | $ 4,253,000 | $ 223,842 | $ 134,000 |
| Austin-Round Rock-San Marcos, TX | 17 | $ 4,175,000 | $ 245,588 | $ 116,000 |
| La Crosse, WI-MN | 13 | $ 1,812,000 | $ 139,384 | $ 73,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 12 | $ 2,762,000 | $ 230,166 | $ 101,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 10 | $ 1,889,000 | $ 188,900 | $ 96,800 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 1,437,000 | $ 159,666 | $ 87,000 |
| Port St. Lucie, FL | 9 | $ 1,090,000 | $ 121,111 | $ 57,000 |
| San Antonio-New Braunfels, TX | 9 | $ 1,328,000 | $ 147,555 | $ 90,000 |
| Worcester, MA | 8 | $ 1,737,000 | $ 217,125 | $ 107,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 1,100,000 | $ 157,142 | $ 69,000 |
| Lake County-Kenosha County, IL-WI | 7 | $ 1,427,000 | $ 203,857 | $ 174,428 |
| McAllen-Edinburg-Mission, TX | 7 | $ 1,039,000 | $ 148,428 | $ 75,000 |
| Racine, WI | 7 | $ 1,176,000 | $ 168,000 | $ 66,000 |
| Athens-Clarke County, GA | 6 | $ 1,098,000 | $ 183,000 | $ 75,000 |
| Denver-Aurora-Broomfield, CO | 6 | $ 1,470,000 | $ 245,000 | $ 115,000 |
| Dubuque, IA | 6 | $ 821,000 | $ 136,833 | $ 56,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 1,152,000 | $ 230,400 | $ 100,800 |
| Columbus, GA-AL | 4 | $ 523,000 | $ 130,750 | $ 46,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 842,000 | $ 210,500 | $ 123,000 |
| North Port-Bradenton-Sarasota, FL | 4 | $ 700,000 | $ 175,000 | $ 313,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 1,151,000 | $ 287,750 | $ 158,000 |
| Camden, NJ | 3 | $ 799,000 | $ 266,333 | $ 132,000 |
| Cedar Rapids, IA | 3 | $ 384,000 | $ 128,000 | $ 94,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 507,000 | $ 169,000 | $ 126,000 |
| Columbia, SC | 3 | $ 425,000 | $ 141,666 | $ 46,000 |
| Dayton, OH | 3 | $ 304,000 | $ 101,333 | $ 64,000 |
| Durham-Chapel Hill, NC | 3 | $ 772,000 | $ 257,333 | $ 145,000 |
| Greenville-Mauldin-Easley, SC | 3 | $ 599,000 | $ 199,666 | $ 82,000 |
| Jacksonville, FL | 3 | $ 696,000 | $ 232,000 | $ 102,000 |
| Pittsburgh, PA | 3 | $ 656,000 | $ 218,666 | $ 170,000 |
| Rockford, IL | 3 | $ 238,000 | $ 79,333 | $ 61,000 |
| Sebastian-Vero Beach, FL | 3 | $ 392,000 | $ 130,666 | $ 49,000 |
| Asheville, NC | 2 | $ 393,000 | $ 196,500 | $ 236,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 155,000 | $ 77,500 | $ 79,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 438,000 | $ 219,000 | $ 96,000 |
| Columbus, OH | 2 | $ 319,000 | $ 159,500 | $ 219,000 |
| El Paso, TX | 2 | $ 283,000 | $ 141,500 | $ 71,000 |
| Fond Du Lac, WI | 2 | $ 451,000 | $ 225,500 | $ 119,000 |
| Fort Wayne, IN | 2 | $ 369,000 | $ 184,500 | $ 128,000 |
| Kansas City, MO-KS | 2 | $ 427,000 | $ 213,500 | $ 103,000 |
| Lexington-Fayette, KY | 2 | $ 652,000 | $ 326,000 | $ 52,000 |
| Macon, GA | 2 | $ 143,000 | $ 71,500 | $ 38,000 |
| Midland, TX | 2 | $ 470,000 | $ 235,000 | $ 193,000 |
| New Haven-Milford, CT | 2 | $ 278,000 | $ 139,000 | $ 133,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 479,000 | $ 239,500 | $ 196,000 |
| Phoenix-Mesa-Glendale, AZ | 2 | $ 361,000 | $ 180,500 | $ 70,000 |
| Reading, PA | 2 | $ 330,000 | $ 165,000 | $ 75,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 594,000 | $ 297,000 | $ 198,000 |
| Tyler, TX | 2 | $ 181,000 | $ 90,500 | $ 80,000 |
| Albany, GA | 1 | $ 64,000 | $ 64,000 | $ 96,000 |
| Anderson, SC | 1 | $ 285,000 | $ 285,000 | $ 117,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 306,000 | $ 306,000 | $ 97,000 |
| Bethesda-Rockville-Frederick, MD | 1 | $ 270,000 | $ 270,000 | $ 64,000 |
| Birmingham-Hoover, AL | 1 | $ 144,000 | $ 144,000 | $ 54,000 |
| Boston-Quincy, MA | 1 | $ 310,000 | $ 310,000 | $ 152,000 |
| Boulder, CO | 1 | $ 143,000 | $ 143,000 | $ 76,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 62,000 | $ 62,000 | $ 102,000 |
| Brownsville-Harlingen, TX | 1 | $ 384,000 | $ 384,000 | $ 223,000 |
| Brunswick, GA | 1 | $ 153,000 | $ 153,000 | $ 75,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 274,000 | $ 274,000 | $ 68,000 |
| Charlottesville, VA | 1 | $ 329,000 | $ 329,000 | $ 118,000 |
| Cleveland, TN | 1 | $ 352,000 | $ 352,000 | $ 377,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 217,000 | $ 217,000 | $ 64,000 |
| Columbus, IN | 1 | $ 174,000 | $ 174,000 | $ 66,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 169,000 | $ 169,000 | $ 50,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 82,000 | $ 82,000 | $ 113,000 |
| Duluth, MN-WI | 1 | $ 165,000 | $ 165,000 | $ 43,000 |
| Eau Claire, WI | 1 | $ 196,000 | $ 196,000 | $ 119,000 |
| Edison-New Brunswick, NJ | 1 | $ 300,000 | $ 300,000 | $ 230,000 |
| Eugene-Springfield, OR | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 300,000 | $ 300,000 | $ 350,000 |
| Gainesville, FL | 1 | $ 200,000 | $ 200,000 | $ 150,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 332,000 | $ 332,000 | $ 135,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 164,000 | $ 164,000 | $ 211,000 |
| Hot Springs, AR | 1 | $ 242,000 | $ 242,000 | $ 171,000 |
| Indianapolis-Carmel, IN | 1 | $ 169,000 | $ 169,000 | $ 49,000 |
| Knoxville, TN | 1 | $ 107,000 | $ 107,000 | $ 70,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 128,000 | $ 128,000 | $ 93,000 |
| Naples-Marco Island, FL | 1 | $ 156,000 | $ 156,000 | $ 155,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 393,000 | $ 393,000 | $ 125,000 |
| Ocala, FL | 1 | $ 82,000 | $ 82,000 | $ 24,000 |
| Ocean City, NJ | 1 | $ 168,000 | $ 168,000 | $ 76,000 |
| Ogden-Clearfield, UT | 1 | $ 280,000 | $ 280,000 | $ 70,000 |
| Oklahoma City, OK | 1 | $ 284,000 | $ 284,000 | $ 214,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 363,000 | $ 363,000 | $ 85,000 |
| Pine Bluff, AR | 1 | $ 91,000 | $ 91,000 | $ 86,000 |
| Raleigh-Cary, NC | 1 | $ 285,000 | $ 285,000 | $ 275,000 |
| Rome, GA | 1 | $ 150,000 | $ 150,000 | $ 133,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 530,000 | $ 530,000 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 411,000 | $ 411,000 | $ 216,000 |
| Savannah, GA | 1 | $ 173,000 | $ 173,000 | $ 145,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 241,000 | $ 241,000 | $ 125,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 209,000 | $ 209,000 | $ 80,000 |
| Spokane, WA | 1 | $ 122,000 | $ 122,000 | $ 37,000 |
| St. Louis, MO-IL | 1 | $ 101,000 | $ 101,000 | $ 69,000 |
| Tacoma, WA | 1 | $ 257,000 | $ 257,000 | $ 80,000 |
| Visalia-Porterville, CA | 1 | $ 128,000 | $ 128,000 | $ 60,000 |
| Warner Robins, GA | 1 | $ 98,000 | $ 98,000 | $ 55,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 246,000 | $ 246,000 | $ 105,000 |
| Wichita, KS | 1 | $ 260,000 | $ 260,000 | $ 100,000 |
| Wilmington, NC | 1 | $ 356,000 | $ 356,000 | $ 86,000 |
| Winston-Salem, NC | 1 | $ 112,000 | $ 112,000 | $ 45,000 |
| York-Hanover, PA | 1 | $ 272,000 | $ 272,000 | $ 335,000 |
Mortgage Loan Application Detail Totals for Shelter Mortgage Company, LLC 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,818 | $538,391,000 | $191,000 | $1,470,000 | $97,000 | $1,368,000 |
| Refinancing | 1,477 | $316,478,000 | $214,000 | $1,320,000 | $112,000 | $875,000 |
| Home Improvement | 48 | $9,623,000 | $200,000 | $400,000 | $112,000 | $503,000 |
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 | 3,699 | $748,954,000 | $202,000 | $1,470,000 | $104,000 | $1,368,000 |
| Black or African American | 194 | $31,632,000 | $163,000 | $650,000 | $81,000 | $569,000 |
| Hispanic | 163 | $25,937,000 | $159,000 | $417,000 | $80,000 | $404,000 |
| Asian | 140 | $26,011,000 | $185,000 | $750,000 | $103,000 | $385,000 |
| Not Provided | 117 | $26,693,000 | $228,000 | $460,000 | $127,000 | $830,000 |
| American Indian or Alaskan Native | 17 | $2,903,000 | $170,000 | $413,000 | $60,000 | $141,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,362,000 | $181,000 | $317,000 | $87,000 | $220,000 |
| 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) | 3,523 | $724,471,000 | $205,000 | $1,470,000 | $112,000 | $1,368,000 |
| VA-guaranteed (Veterans Administration) | 340 | $69,741,000 | $205,000 | $691,000 | $65,000 | $309,000 |
| FHA-insured (Federal Housing Administration) | 300 | $43,145,000 | $143,000 | $363,000 | $59,000 | $348,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 180 | $27,135,000 | $150,000 | $313,000 | $49,000 | $103,000 |
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 | 3,381 | $685,381,000 | $202,000 | $1,470,000 | $104,000 | $1,250,000 |
| Application Withdrawn By Applicant | 617 | $120,021,000 | $194,000 | $1,320,000 | $101,000 | $580,000 |
| Application Denied By Financial Institution | 224 | $37,828,000 | $168,000 | $1,000,000 | $87,000 | $1,368,000 |
| Application Approved But Not Accepted | 121 | $21,262,000 | $175,000 | $530,000 | $86,000 | $470,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 82 | $14,662,000 | $178,000 | $1,000,000 | $114,000 | $1,368,000 |
| Credit History | 52 | $8,096,000 | $155,000 | $417,000 | $65,000 | $343,000 |
| Debt-To-Income Ratio | 41 | $6,561,000 | $160,000 | $417,000 | $54,000 | $298,000 |
| Other | 33 | $6,037,000 | $182,000 | $430,000 | $106,000 | $570,000 |
| Employment History | 11 | $1,874,000 | $170,000 | $517,000 | $57,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $130,000 | $65,000 | $88,000 | $98,000 | $170,000 |
| Unverifiable Information | 2 | $290,000 | $145,000 | $187,000 | $117,000 | $209,000 |
| Credit Application Incomplete | 1 | $178,000 | $178,000 | $178,000 | $106,000 | $106,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Shelter Mortgage Company, LLC'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 Shelter Mortgage Company, LLC'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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