Sidus Financial, LLC Mortgage Lending & HMDA Data, 2011
In 2011, Sidus Financial, LLC of Greensboro, NC reported 3,622 mortgage applications totaling $635.2 million, down 49% from 2010. The average application was for $175,377, and applicants reported an average income of $80,493. 76% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Greensboro-High Point, NC (337), Pittsburgh, PA (185) and Charlotte-Gastonia-Rock Hill, NC-SC (183) (applications in parentheses).
| Mortgage Company & Address | Sidus Financial, LLC 701 Green Valley Road, Suite 101 Greensboro, NC 27408 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 |
| Total Number of Mortgage Applications | 3,622 |
| Total Mortgage Loan Application Amount | $635,219,000 |
| Average Mortgage Loan Application Amount | $175,377 |
| Highest Mortgage Loan Application Amount | $1,285,000 |
| Average Applicant Income | $80,493 |
| Highest Applicant Income | $1,046,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sidus Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Greensboro-High Point, NC | 337 | $ 49,290,000 | $ 146,261 | $ 66,000 |
| Pittsburgh, PA | 185 | $ 35,065,000 | $ 189,540 | $ 104,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 183 | $ 28,589,000 | $ 156,224 | $ 75,688 |
| Philadelphia, PA | 176 | $ 40,254,000 | $ 228,715 | $ 113,000 |
| Winston-Salem, NC | 123 | $ 15,714,000 | $ 127,756 | $ 73,000 |
| Greenville-Mauldin-Easley, SC | 120 | $ 18,446,000 | $ 153,716 | $ 77,000 |
| Anderson, SC | 114 | $ 18,054,000 | $ 158,368 | $ 75,000 |
| Boston-Quincy, MA | 89 | $ 25,271,000 | $ 283,943 | $ 126,000 |
| Hickory-Lenoir-Morganton, NC | 74 | $ 10,185,000 | $ 137,635 | $ 58,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 74 | $ 24,870,000 | $ 336,081 | $ 160,364 |
| Rockingham County-Strafford County, NH | 66 | $ 13,794,000 | $ 209,000 | $ 102,000 |
| Cambridge-Newton-Framingham, MA | 60 | $ 15,448,000 | $ 257,466 | $ 87,000 |
| Columbia, SC | 60 | $ 8,698,000 | $ 144,966 | $ 73,000 |
| Portland-South Portland-Biddeford, ME | 48 | $ 8,710,000 | $ 181,458 | $ 74,000 |
| Peabody, MA | 47 | $ 12,591,000 | $ 267,893 | $ 100,000 |
| Raleigh-Cary, NC | 46 | $ 8,180,000 | $ 177,826 | $ 88,000 |
| Durham-Chapel Hill, NC | 45 | $ 8,189,000 | $ 181,977 | $ 97,000 |
| Lynchburg, VA | 44 | $ 6,296,000 | $ 143,090 | $ 54,000 |
| Roanoke, VA | 38 | $ 6,960,000 | $ 183,157 | $ 102,000 |
| Asheville, NC | 30 | $ 7,018,000 | $ 233,933 | $ 105,000 |
| Providence-New Bedford-Fall River, RI-MA | 29 | $ 6,143,000 | $ 211,827 | $ 61,793 |
| Wilmington, NC | 28 | $ 4,585,000 | $ 163,750 | $ 76,000 |
| Greenville, NC | 27 | $ 4,416,000 | $ 163,555 | $ 58,000 |
| Richmond, VA | 27 | $ 7,277,000 | $ 269,518 | $ 161,000 |
| Harrisburg-Carlisle, PA | 23 | $ 3,478,000 | $ 151,217 | $ 80,000 |
| Manchester-Nashua, NH | 22 | $ 4,379,000 | $ 199,045 | $ 76,000 |
| Atlanta-Sandy Springs-Marietta, GA | 21 | $ 2,605,000 | $ 124,047 | $ 66,000 |
| Louisville-Jefferson County, KY-IN | 21 | $ 3,380,000 | $ 160,952 | $ 81,095 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 21 | $ 2,718,000 | $ 129,428 | $ 70,000 |
| Little Rock-North Little Rock-Conway, AR | 19 | $ 2,322,000 | $ 122,210 | $ 64,000 |
| Bethesda-Rockville-Frederick, MD | 18 | $ 5,511,000 | $ 306,166 | $ 153,000 |
| Burlington-South Burlington, VT | 18 | $ 3,968,000 | $ 220,444 | $ 75,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 18 | $ 4,597,000 | $ 255,388 | $ 128,722 |
| Burlington, NC | 17 | $ 2,680,000 | $ 157,647 | $ 42,000 |
| Hartford-West Hartford-East Hartford, CT | 17 | $ 3,750,000 | $ 220,588 | $ 96,000 |
| Bangor, ME | 16 | $ 2,480,000 | $ 155,000 | $ 61,000 |
| Goldsboro, NC | 16 | $ 2,174,000 | $ 135,875 | $ 51,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 16 | $ 2,380,000 | $ 148,750 | $ 61,000 |
| Worcester, MA | 15 | $ 3,200,000 | $ 213,333 | $ 93,000 |
| Springfield, MA | 13 | $ 2,069,000 | $ 159,153 | $ 70,000 |
| Fayetteville, NC | 12 | $ 1,762,000 | $ 146,833 | $ 35,000 |
| Knoxville, TN | 12 | $ 1,718,000 | $ 143,166 | $ 55,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 11 | $ 2,149,000 | $ 195,363 | $ 110,000 |
| Barnstable Town, MA | 11 | $ 2,888,000 | $ 262,545 | $ 97,000 |
| Altoona, PA | 10 | $ 1,392,000 | $ 139,200 | $ 54,000 |
| Spartanburg, SC | 10 | $ 1,508,000 | $ 150,800 | $ 65,000 |
| Lancaster, PA | 9 | $ 1,343,000 | $ 149,222 | $ 63,000 |
| York-Hanover, PA | 8 | $ 1,848,000 | $ 231,000 | $ 123,000 |
| Baltimore-Towson, MD | 7 | $ 2,071,000 | $ 295,857 | $ 108,000 |
| Johnson City, TN | 7 | $ 775,000 | $ 110,714 | $ 31,000 |
| Charleston-North Charleston-Summerville, SC | 6 | $ 1,384,000 | $ 230,666 | $ 57,000 |
| Lexington-Fayette, KY | 6 | $ 1,055,000 | $ 175,833 | $ 82,000 |
| Reading, PA | 6 | $ 1,488,000 | $ 248,000 | $ 81,000 |
| Florence, SC | 5 | $ 478,000 | $ 95,600 | $ 36,000 |
| Jacksonville, NC | 5 | $ 1,051,000 | $ 210,200 | $ 80,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 468,000 | $ 93,600 | $ 38,000 |
| Charlottesville, VA | 4 | $ 630,000 | $ 157,500 | $ 72,000 |
| Danville, VA | 4 | $ 639,000 | $ 159,750 | $ 48,000 |
| New Haven-Milford, CT | 4 | $ 1,005,000 | $ 251,250 | $ 148,000 |
| Savannah, GA | 4 | $ 992,000 | $ 248,000 | $ 104,000 |
| Clarksville, TN-KY | 3 | $ 363,000 | $ 121,000 | $ 55,000 |
| Columbus, GA-AL | 3 | $ 582,000 | $ 194,000 | $ 84,000 |
| Lewiston-Auburn, ME | 3 | $ 464,000 | $ 154,666 | $ 41,000 |
| Pine Bluff, AR | 3 | $ 339,000 | $ 113,000 | $ 103,000 |
| State College, PA | 3 | $ 433,000 | $ 144,333 | $ 51,000 |
| Wilmington, DE-MD-NJ | 3 | $ 804,000 | $ 268,000 | $ 77,000 |
| Birmingham-Hoover, AL | 2 | $ 90,000 | $ 45,000 | $ 81,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 653,000 | $ 326,500 | $ 67,000 |
| Brunswick, GA | 2 | $ 335,000 | $ 167,500 | $ 73,000 |
| Charleston, WV | 2 | $ 73,000 | $ 36,500 | $ 17,000 |
| Erie, PA | 2 | $ 471,000 | $ 235,500 | $ 122,000 |
| Hot Springs, AR | 2 | $ 128,000 | $ 64,000 | $ 52,000 |
| Lebanon, PA | 2 | $ 514,000 | $ 257,000 | $ 123,000 |
| Morristown, TN | 2 | $ 234,000 | $ 117,000 | $ 70,000 |
| Rocky Mount, NC | 2 | $ 137,000 | $ 68,500 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 456,000 | $ 228,000 | $ 105,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 86,000 | $ 86,000 | $ 66,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Bowling Green, KY | 1 | $ 78,000 | $ 78,000 | $ 25,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 144,000 | $ 144,000 | $ 80,000 |
| Dothan, AL | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Gainesville, GA | 1 | $ 382,000 | $ 382,000 | $ 88,000 |
| Harrisonburg, VA | 1 | $ 218,000 | $ 218,000 | $ 59,000 |
| Indianapolis-Carmel, IN | 1 | $ 101,000 | $ 101,000 | $ 34,000 |
| Newark-Union, NJ-PA | 1 | $ 349,000 | $ 349,000 | $ 198,000 |
| Norwich-New London, CT | 1 | $ 261,000 | $ 261,000 | $ 117,000 |
| Palm Coast, FL | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Pittsfield, MA | 1 | $ 116,000 | $ 116,000 | $ 69,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 192,000 | $ 192,000 | $ 240,000 |
Mortgage Loan Application Detail Totals for Sidus Financial, LLC 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 | 2,033 | $382,888,000 | $188,000 | $1,285,000 | $90,000 | $1,046,000 |
| Home Purchase | 1,554 | $247,717,000 | $159,000 | $681,000 | $68,000 | $583,000 |
| Home Improvement | 35 | $4,614,000 | $131,000 | $280,000 | $83,000 | $220,000 |
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 | 3,134 | $549,296,000 | $175,000 | $1,285,000 | $81,000 | $1,046,000 |
| Black or African American | 191 | $25,664,000 | $134,000 | $443,000 | $46,000 | $260,000 |
| Not Provided | 149 | $32,105,000 | $215,000 | $715,000 | $93,000 | $443,000 |
| Asian | 79 | $15,936,000 | $201,000 | $524,000 | $112,000 | $1,001,000 |
| Hispanic | 54 | $9,201,000 | $170,000 | $417,000 | $77,000 | $260,000 |
| American Indian or Alaskan Native | 10 | $2,220,000 | $222,000 | $402,000 | $96,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $797,000 | $159,000 | $266,000 | $59,000 | $98,000 |
| 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) | 2,041 | $395,556,000 | $193,000 | $1,285,000 | $104,000 | $1,046,000 |
| FHA-insured (Federal Housing Administration) | 999 | $157,443,000 | $157,000 | $727,000 | $52,000 | $557,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 472 | $60,920,000 | $129,000 | $383,000 | $43,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 110 | $21,300,000 | $193,000 | $417,000 | $68,000 | $190,000 |
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 | 2,750 | $465,340,000 | $169,000 | $999,000 | $80,000 | $1,001,000 |
| Application Denied By Financial Institution | 681 | $135,951,000 | $199,000 | $681,000 | $84,000 | $1,046,000 |
| Application Approved But Not Accepted | 93 | $16,667,000 | $179,000 | $656,000 | $90,000 | $331,000 |
| Application Withdrawn By Applicant | 88 | $15,083,000 | $171,000 | $1,285,000 | $65,000 | $763,000 |
| File Closed For Incompleteness | 10 | $2,178,000 | $217,000 | $417,000 | $78,000 | $166,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 165 | $29,756,000 | $180,000 | $524,000 | $83,000 | $639,000 |
| Collateral | 155 | $31,455,000 | $202,000 | $417,000 | $94,000 | $418,000 |
| Debt-To-Income Ratio | 106 | $22,821,000 | $215,000 | $600,000 | $72,000 | $276,000 |
| Unverifiable Information | 75 | $13,741,000 | $183,000 | $417,000 | $95,000 | $1,046,000 |
| Credit Application Incomplete | 70 | $15,945,000 | $227,000 | $529,000 | $92,000 | $259,000 |
| Credit History | 33 | $6,283,000 | $190,000 | $443,000 | $76,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $4,158,000 | $259,000 | $681,000 | $115,000 | $400,000 |
| Employment History | 7 | $1,272,000 | $181,000 | $488,000 | $49,000 | $98,000 |
| Mortgage Insurance Denied | 6 | $1,174,000 | $195,000 | $317,000 | $73,000 | $124,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sidus Financial, LLC'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 Sidus Financial, 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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