Sidus Financial, LLC Mortgage Lending & HMDA Data, 2004
In 2004, Sidus Financial, LLC of Greenville, NC reported 4,470 mortgage applications totaling $623.4 million, down 34% from 2003. The average application was for $139,461, and applicants reported an average income of $70,646. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Richmond, VA (456), Greenville, NC (237) and Roanoke, VA (215) (applications in parentheses).
| Mortgage Company & Address | Sidus Financial, LLC 1905 Turnbury Drive Greenville, NC 27858 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,470 |
| Total Mortgage Loan Application Amount | $623,392,000 |
| Average Mortgage Loan Application Amount | $139,461 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $70,646 |
| Highest Applicant Income | $1,743,000 |
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Act (HMDA) records Sidus Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Carteret, North Carolina | 241 | $ 37,682,000 | $ 156,356 | $ 81,000 |
| Pitt, North Carolina | 235 | $ 29,577,000 | $ 125,859 | $ 68,000 |
| Watauga, North Carolina | 164 | $ 23,662,000 | $ 144,280 | $ 67,000 |
| Robeson, North Carolina | 157 | $ 15,208,000 | $ 96,866 | $ 47,000 |
| Chesterfield, Virginia | 154 | $ 23,467,000 | $ 152,383 | $ 68,000 |
| Surry, North Carolina | 145 | $ 18,214,000 | $ 125,613 | $ 52,000 |
| Henrico, Virginia | 141 | $ 23,049,000 | $ 163,468 | $ 85,000 |
| Caldwell, North Carolina | 121 | $ 13,345,000 | $ 110,289 | $ 56,000 |
| Horry, South Carolina | 117 | $ 17,284,000 | $ 147,726 | $ 112,000 |
| Franklin, Virginia | 116 | $ 17,768,000 | $ 153,172 | $ 55,000 |
| Dare, North Carolina | 89 | $ 20,199,000 | $ 226,955 | $ 79,000 |
| Wilson, North Carolina | 89 | $ 9,767,000 | $ 109,741 | $ 54,000 |
| Randolph, North Carolina | 86 | $ 8,837,000 | $ 102,755 | $ 44,000 |
| Virginia Beach, Virginia | 83 | $ 15,859,000 | $ 191,072 | $ 127,000 |
| Davidson, North Carolina | 78 | $ 8,056,000 | $ 103,282 | $ 49,000 |
| Moore, North Carolina | 72 | $ 12,110,000 | $ 168,194 | $ 71,000 |
| Harnett, North Carolina | 67 | $ 6,486,000 | $ 96,805 | $ 53,000 |
| Lincoln, North Carolina | 67 | $ 8,533,000 | $ 127,358 | $ 77,000 |
| Brunswick, North Carolina | 66 | $ 12,400,000 | $ 187,878 | $ 121,000 |
| Wake, North Carolina | 65 | $ 8,123,000 | $ 124,969 | $ 51,000 |
| Carroll, Virginia | 61 | $ 6,367,000 | $ 104,377 | $ 50,000 |
| New Hanover, North Carolina | 58 | $ 10,273,000 | $ 177,120 | $ 74,000 |
| Ashe, North Carolina | 57 | $ 6,017,000 | $ 105,561 | $ 43,000 |
| Richmond City, Virginia | 57 | $ 10,021,000 | $ 175,807 | $ 62,000 |
| Columbus, North Carolina | 54 | $ 7,051,000 | $ 130,574 | $ 59,000 |
| Beaufort, South Carolina | 52 | $ 10,206,000 | $ 196,269 | $ 82,000 |
| Richmond, North Carolina | 50 | $ 4,869,000 | $ 97,380 | $ 60,000 |
| Iredell, North Carolina | 43 | $ 6,689,000 | $ 155,558 | $ 61,000 |
| Hanover, Virginia | 43 | $ 7,038,000 | $ 163,674 | $ 81,000 |
| Roanoke, Virginia | 43 | $ 5,126,000 | $ 119,209 | $ 72,000 |
| Lenoir, North Carolina | 41 | $ 5,282,000 | $ 128,829 | $ 48,000 |
| Grayson, Virginia | 41 | $ 4,318,000 | $ 105,317 | $ 50,000 |
| Guilford, North Carolina | 39 | $ 6,488,000 | $ 166,358 | $ 94,000 |
| Bedford, Virginia | 39 | $ 6,258,000 | $ 160,461 | $ 80,000 |
| Suffolk, Virginia | 38 | $ 6,075,000 | $ 159,868 | $ 113,000 |
| Darlington, South Carolina | 36 | $ 3,574,000 | $ 99,277 | $ 57,000 |
| Pickens, South Carolina | 36 | $ 4,271,000 | $ 118,638 | $ 63,000 |
| Roanoke City, Virginia | 36 | $ 4,621,000 | $ 128,361 | $ 67,000 |
| Henry, Virginia | 31 | $ 3,175,000 | $ 102,419 | $ 63,000 |
| Johnston, North Carolina | 28 | $ 3,641,000 | $ 130,035 | $ 110,000 |
| Forsyth, North Carolina | 27 | $ 3,164,000 | $ 117,185 | $ 51,000 |
| Greenville, South Carolina | 27 | $ 4,329,000 | $ 160,333 | $ 76,000 |
| Fairfax, Virginia | 27 | $ 6,889,000 | $ 255,148 | $ 105,000 |
| Beaufort, North Carolina | 26 | $ 3,307,000 | $ 127,192 | $ 72,000 |
| Greenwood, South Carolina | 26 | $ 2,706,000 | $ 104,076 | $ 38,000 |
| Halifax, North Carolina | 25 | $ 1,869,000 | $ 74,760 | $ 40,000 |
| Anderson, South Carolina | 25 | $ 3,545,000 | $ 141,800 | $ 61,000 |
| Patrick, Virginia | 25 | $ 2,282,000 | $ 91,280 | $ 41,000 |
| Catawba, North Carolina | 24 | $ 3,929,000 | $ 163,708 | $ 98,000 |
| Nash, North Carolina | 24 | $ 3,640,000 | $ 151,666 | $ 59,000 |
| Campbell, Virginia | 24 | $ 3,029,000 | $ 126,208 | $ 43,000 |
| Chesapeake, Virginia | 24 | $ 3,921,000 | $ 163,375 | $ 102,000 |
| Oconee, South Carolina | 23 | $ 3,641,000 | $ 158,304 | $ 83,000 |
| Galax, Virginia | 23 | $ 2,206,000 | $ 95,913 | $ 47,000 |
| Craven, North Carolina | 22 | $ 2,465,000 | $ 112,045 | $ 61,000 |
| Edgecombe, North Carolina | 22 | $ 2,530,000 | $ 115,000 | $ 46,000 |
| Wilkes, North Carolina | 21 | $ 2,236,000 | $ 106,476 | $ 32,000 |
| Lynchburg, Virginia | 21 | $ 2,075,000 | $ 98,809 | $ 58,000 |
| Avery, North Carolina | 19 | $ 2,075,000 | $ 109,210 | $ 51,000 |
| Gaston, North Carolina | 19 | $ 2,161,000 | $ 113,736 | $ 59,000 |
| Mecklenburg, North Carolina | 18 | $ 3,179,000 | $ 176,611 | $ 112,000 |
| Sampson, North Carolina | 18 | $ 2,004,000 | $ 111,333 | $ 68,000 |
| Stokes, North Carolina | 18 | $ 1,533,000 | $ 85,166 | $ 50,000 |
| Wayne, North Carolina | 18 | $ 3,708,000 | $ 206,000 | $ 124,000 |
| Currituck, North Carolina | 17 | $ 4,274,000 | $ 251,411 | $ 84,000 |
| Yadkin, North Carolina | 17 | $ 1,992,000 | $ 117,176 | $ 38,000 |
| Lexington, South Carolina | 17 | $ 1,854,000 | $ 109,058 | $ 85,000 |
| Cumberland, North Carolina | 16 | $ 1,750,000 | $ 109,375 | $ 60,000 |
| Charleston, South Carolina | 16 | $ 2,260,000 | $ 141,250 | $ 156,000 |
| Onslow, North Carolina | 15 | $ 1,663,000 | $ 110,866 | $ 72,000 |
| Georgetown, South Carolina | 15 | $ 1,863,000 | $ 124,200 | $ 94,000 |
| Norfolk, Virginia | 15 | $ 2,740,000 | $ 182,666 | $ 79,000 |
| Pasquotank, North Carolina | 14 | $ 1,235,000 | $ 88,214 | $ 47,000 |
| Burke, North Carolina | 12 | $ 1,677,000 | $ 139,750 | $ 80,000 |
| Goochland, Virginia | 12 | $ 2,170,000 | $ 180,833 | $ 104,000 |
| Montgomery, Maryland | 11 | $ 2,037,000 | $ 185,181 | $ 74,000 |
| Alleghany, North Carolina | 11 | $ 1,365,000 | $ 124,090 | $ 99,000 |
| Montgomery, Virginia | 10 | $ 1,651,000 | $ 165,100 | $ 115,000 |
| Portsmouth, Virginia | 10 | $ 1,107,000 | $ 110,700 | $ 67,000 |
| Powhatan, Virginia | 10 | $ 1,854,000 | $ 185,400 | $ 74,000 |
| Prince William, Virginia | 10 | $ 1,841,000 | $ 184,100 | $ 80,000 |
| Alamance, North Carolina | 9 | $ 582,000 | $ 64,666 | $ 58,000 |
| Rockingham, North Carolina | 9 | $ 1,120,000 | $ 124,444 | $ 47,000 |
| Stanly, North Carolina | 9 | $ 1,029,000 | $ 114,333 | $ 39,000 |
| Botetourt, Virginia | 9 | $ 1,199,000 | $ 133,222 | $ 38,000 |
| Hyde, North Carolina | 8 | $ 1,968,000 | $ 246,000 | $ 54,000 |
| Richland, South Carolina | 8 | $ 893,000 | $ 111,625 | $ 59,000 |
| Albemarle, Virginia | 8 | $ 1,422,000 | $ 177,750 | $ 74,000 |
| Arlington, Virginia | 8 | $ 2,333,000 | $ 291,625 | $ 112,000 |
| Loudoun, Virginia | 8 | $ 2,401,000 | $ 300,125 | $ 96,000 |
| Martinsville, Virginia | 8 | $ 453,000 | $ 56,625 | $ 49,000 |
| Pittsylvania, Virginia | 8 | $ 793,000 | $ 99,125 | $ 54,000 |
| Salem, Virginia | 8 | $ 1,053,000 | $ 131,625 | $ 97,000 |
| Stafford, Virginia | 8 | $ 1,891,000 | $ 236,375 | $ 124,000 |
| Bladen, North Carolina | 7 | $ 713,000 | $ 101,857 | $ 44,000 |
| Davie, North Carolina | 7 | $ 892,000 | $ 127,428 | $ 55,000 |
| Colleton, South Carolina | 7 | $ 785,000 | $ 112,142 | $ 59,000 |
| Spartanburg, South Carolina | 7 | $ 1,318,000 | $ 188,285 | $ 112,000 |
| Louisa, Virginia | 7 | $ 761,000 | $ 108,714 | $ 58,000 |
| Martin, North Carolina | 6 | $ 632,000 | $ 105,333 | $ 41,000 |
| Northampton, North Carolina | 6 | $ 491,000 | $ 81,833 | $ 47,000 |
| Perquimans, North Carolina | 6 | $ 799,000 | $ 133,166 | $ 56,000 |
| Florence, South Carolina | 6 | $ 481,000 | $ 80,166 | $ 49,000 |
| Fluvanna, Virginia | 6 | $ 934,000 | $ 155,666 | $ 43,000 |
| James City, Virginia | 6 | $ 936,000 | $ 156,000 | $ 57,000 |
| King William, Virginia | 6 | $ 741,000 | $ 123,500 | $ 48,000 |
| Newport News, Virginia | 6 | $ 656,000 | $ 109,333 | $ 57,000 |
| Spotsylvania, Virginia | 6 | $ 980,000 | $ 163,333 | $ 67,000 |
| Camden, North Carolina | 5 | $ 588,000 | $ 117,600 | $ 51,000 |
| Durham, North Carolina | 5 | $ 1,114,000 | $ 222,800 | $ 113,000 |
| Hoke, North Carolina | 5 | $ 436,000 | $ 87,200 | $ 29,000 |
| Pamlico, North Carolina | 5 | $ 601,000 | $ 120,200 | $ 63,000 |
| Pender, North Carolina | 5 | $ 1,368,000 | $ 273,600 | $ 195,000 |
| Rutherford, North Carolina | 5 | $ 886,000 | $ 177,200 | $ 77,000 |
| Dorchester, South Carolina | 5 | $ 730,000 | $ 146,000 | $ 68,000 |
| Alexandria, Virginia | 5 | $ 1,672,000 | $ 334,400 | $ 90,000 |
| Amherst, Virginia | 5 | $ 707,000 | $ 141,400 | $ 296,000 |
| Dinwiddie, Virginia | 5 | $ 655,000 | $ 131,000 | $ 62,000 |
| Floyd, Virginia | 5 | $ 808,000 | $ 161,600 | $ 67,000 |
| Prince George, Virginia | 5 | $ 812,000 | $ 162,400 | $ 63,000 |
| York, Virginia | 5 | $ 739,000 | $ 147,800 | $ 142,000 |
| Gilmer, Georgia | 4 | $ 282,000 | $ 70,500 | $ 50,000 |
| Anne Arundel, Maryland | 4 | $ 607,000 | $ 151,750 | $ 63,000 |
| Howard, Maryland | 4 | $ 908,000 | $ 227,000 | $ 92,000 |
| Cleveland, North Carolina | 4 | $ 853,000 | $ 213,250 | $ 115,000 |
| Johnson, Tennessee | 4 | $ 370,000 | $ 92,500 | $ 40,000 |
| Isle of Wight, Virginia | 4 | $ 661,000 | $ 165,250 | $ 68,000 |
| Baltimore, Maryland | 3 | $ 594,000 | $ 198,000 | $ 102,000 |
| Cabarrus, North Carolina | 3 | $ 257,000 | $ 85,666 | $ 41,000 |
| Chowan, North Carolina | 3 | $ 763,000 | $ 254,333 | $ 76,000 |
| Franklin, North Carolina | 3 | $ 304,000 | $ 101,333 | $ 29,000 |
| Lee, North Carolina | 3 | $ 417,000 | $ 139,000 | $ 85,000 |
| Montgomery, North Carolina | 3 | $ 576,000 | $ 192,000 | $ 155,000 |
| Rowan, North Carolina | 3 | $ 316,000 | $ 105,333 | $ 60,000 |
| Scotland, North Carolina | 3 | $ 215,000 | $ 71,666 | $ 66,000 |
| Washington, North Carolina | 3 | $ 232,000 | $ 77,333 | $ 34,000 |
| Abbeville, South Carolina | 3 | $ 321,000 | $ 107,000 | $ 32,000 |
| Berkeley, South Carolina | 3 | $ 422,000 | $ 140,666 | $ 69,000 |
| Newberry, South Carolina | 3 | $ 323,000 | $ 107,666 | $ 77,000 |
| Greene, Tennessee | 3 | $ 77,000 | $ 25,666 | $ 38,000 |
| Amelia, Virginia | 3 | $ 454,000 | $ 151,333 | $ 91,000 |
| Augusta, Virginia | 3 | $ 384,000 | $ 128,000 | $ 36,000 |
| Caroline, Virginia | 3 | $ 228,000 | $ 76,000 | $ 32,000 |
| Craig, Virginia | 3 | $ 271,000 | $ 90,333 | $ 38,000 |
| Danville, Virginia | 3 | $ 457,000 | $ 152,333 | $ 43,000 |
| Gloucester, Virginia | 3 | $ 542,000 | $ 180,666 | $ 90,000 |
| Greene, Virginia | 3 | $ 296,000 | $ 98,666 | $ 23,000 |
| Chatham, Georgia | 2 | $ 224,000 | $ 112,000 | $ 51,000 |
| Columbia, Georgia | 2 | $ 279,000 | $ 139,500 | $ 45,000 |
| Effingham, Georgia | 2 | $ 101,000 | $ 50,500 | $ 28,000 |
| Frederick, Maryland | 2 | $ 558,000 | $ 279,000 | $ 58,000 |
| Greene, North Carolina | 2 | $ 419,000 | $ 209,500 | $ 116,000 |
| Henderson, North Carolina | 2 | $ 474,000 | $ 237,000 | $ 71,000 |
| Jackson, North Carolina | 2 | $ 347,000 | $ 173,500 | $ 53,000 |
| Orange, North Carolina | 2 | $ 338,000 | $ 169,000 | $ 265,000 |
| Tyrrell, North Carolina | 2 | $ 154,000 | $ 77,000 | $ 27,000 |
| Fairfield, South Carolina | 2 | $ 613,000 | $ 306,500 | $ 142,000 |
| Kershaw, South Carolina | 2 | $ 129,000 | $ 64,500 | $ 48,000 |
| Orangeburg, South Carolina | 2 | $ 311,000 | $ 155,500 | $ 60,000 |
| Jefferson, Tennessee | 2 | $ 393,000 | $ 196,500 | $ 54,000 |
| Bath, Virginia | 2 | $ 246,000 | $ 123,000 | $ 160,000 |
| Colonial Heights, Virginia | 2 | $ 161,000 | $ 80,500 | $ 35,000 |
| Hopewell, Virginia | 2 | $ 140,000 | $ 70,000 | $ 90,000 |
| King and Queen, Virginia | 2 | $ 264,000 | $ 132,000 | $ 67,000 |
| Mecklenburg, Virginia | 2 | $ 397,000 | $ 198,500 | $ 122,000 |
| Nelson, Virginia | 2 | $ 368,000 | $ 184,000 | $ 64,000 |
| New Kent, Virginia | 2 | $ 218,000 | $ 109,000 | $ 40,000 |
| Northampton, Virginia | 2 | $ 432,000 | $ 216,000 | $ 48,000 |
| Northumberland, Virginia | 2 | $ 426,000 | $ 213,000 | $ 712,000 |
| Nottoway, Virginia | 2 | $ 190,000 | $ 95,000 | $ 43,000 |
| Sussex, Virginia | 2 | $ 133,000 | $ 66,500 | $ 45,000 |
| Collier, Florida | 1 | $ 150,000 | $ 150,000 | $ 110,000 |
| Duval, Florida | 1 | $ 170,000 | $ 170,000 | $ 45,000 |
| Nassau, Florida | 1 | $ 334,000 | $ 334,000 | $ 1,028,000 |
| Pasco, Florida | 1 | $ 304,000 | $ 304,000 | $ 176,000 |
| Pinellas, Florida | 1 | $ 53,000 | $ 53,000 | $ 35,000 |
| Sarasota, Florida | 1 | $ 110,000 | $ 110,000 | $ 160,000 |
| Bulloch, Georgia | 1 | $ 221,000 | $ 221,000 | $ 59,000 |
| Candler, Georgia | 1 | $ 54,000 | $ 54,000 | $ 39,000 |
| Dawson, Georgia | 1 | $ 104,000 | $ 104,000 | $ 134,000 |
| Elbert, Georgia | 1 | $ 100,000 | $ 100,000 | $ 80,000 |
| Ware, Georgia | 1 | $ 65,000 | $ 65,000 | $ 22,000 |
| Whitfield, Georgia | 1 | $ 60,000 | $ 60,000 | $ 56,000 |
| Baltimore City, Maryland | 1 | $ 102,000 | $ 102,000 | $ 48,000 |
| Prince George's, Maryland | 1 | $ 276,000 | $ 276,000 | $ 93,000 |
| Washington, Maryland | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Alexander, North Carolina | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Anson, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 53,000 |
| Buncombe, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Caswell, North Carolina | 1 | $ 252,000 | $ 252,000 | $ 70,000 |
| Chatham, North Carolina | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Jones, North Carolina | 1 | $ 240,000 | $ 240,000 | $ 61,000 |
| McDowell, North Carolina | 1 | $ 84,000 | $ 84,000 | $ 58,000 |
| Person, North Carolina | 1 | $ 49,000 | $ 49,000 | $ 32,000 |
| Union, North Carolina | 1 | $ 127,000 | $ 127,000 | $ 55,000 |
| Yancey, North Carolina | 1 | $ 63,000 | $ 63,000 | $ 48,000 |
| Aiken, South Carolina | 1 | $ 117,000 | $ 117,000 | $ 59,000 |
| Clarendon, South Carolina | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Dillon, South Carolina | 1 | $ 35,000 | $ 35,000 | $ 27,000 |
| Sumter, South Carolina | 1 | $ 109,000 | $ 109,000 | $ 82,000 |
| Anderson, Tennessee | 1 | $ 113,000 | $ 113,000 | $ 73,000 |
| Carter, Tennessee | 1 | $ 57,000 | $ 57,000 | $ 35,000 |
| Cocke, Tennessee | 1 | $ 73,000 | $ 73,000 | $ 18,000 |
| Knox, Tennessee | 1 | $ 86,000 | $ 86,000 | $ 69,000 |
| Loudon, Tennessee | 1 | $ 104,000 | $ 104,000 | $ 60,000 |
| Meigs, Tennessee | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 179,000 | $ 179,000 | $ 115,000 |
| Washington, Tennessee | 1 | $ 70,000 | $ 70,000 | $ 19,000 |
| Alleghany, Virginia | 1 | $ 67,000 | $ 67,000 | $ 39,000 |
| Appomattox, Virginia | 1 | $ 167,000 | $ 167,000 | $ 99,000 |
| Charlotte, Virginia | 1 | $ 80,000 | $ 80,000 | $ 33,000 |
| Charlottesville, Virginia | 1 | $ 67,000 | $ 67,000 | $ 41,000 |
| Covington, Virginia | 1 | $ 43,000 | $ 43,000 | $ 41,000 |
| Culpeper, Virginia | 1 | $ 214,000 | $ 214,000 | $ 65,000 |
| Emporia, Virginia | 1 | $ 90,000 | $ 90,000 | $ 25,000 |
| Essex, Virginia | 1 | $ 92,000 | $ 92,000 | $ 47,000 |
| Fairfax City, Virginia | 1 | $ 301,000 | $ 301,000 | $ 89,000 |
| Falls Church, Virginia | 1 | $ 425,000 | $ 425,000 | $ 128,000 |
| Fauquier, Virginia | 1 | $ 260,000 | $ 260,000 | $ 15,000 |
| Giles, Virginia | 1 | $ 90,000 | $ 90,000 | $ 30,000 |
| Halifax, Virginia | 1 | $ 88,000 | $ 88,000 | $ 40,000 |
| Lancaster, Virginia | 1 | $ 334,000 | $ 334,000 | $ 240,000 |
| Mathews, Virginia | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Middlesex, Virginia | 1 | $ 308,000 | $ 308,000 | $ 205,000 |
| Orange, Virginia | 1 | $ 154,000 | $ 154,000 | $ 74,000 |
| Prince Edward, Virginia | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| Pulaski, Virginia | 1 | $ 166,000 | $ 166,000 | $ 86,000 |
| Richmond, Virginia | 1 | $ 103,000 | $ 103,000 | $ 32,000 |
| Rockbridge, Virginia | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Shenandoah, Virginia | 1 | $ 137,000 | $ 137,000 | $ 132,000 |
| Smyth, Virginia | 1 | $ 37,000 | $ 37,000 | $ 95,000 |
| Washington, Virginia | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Westmoreland, Virginia | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Williamsburg, Virginia | 1 | $ 109,000 | $ 109,000 | $ 55,000 |
| Wythe, Virginia | 1 | $ 90,000 | $ 90,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for Sidus Financial, LLC in 2004
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 | 2,370 | $344,168,000 | $127,125 | $1,000,000 | $77,875 | $1,743,000 |
| Home Purchase | 2,099 | $279,147,000 | $132,625 | $1,000,000 | $98,625 | $1,436,000 |
| Home Improvement | 1 | $77,000 | $77,000 | $77,000 | $34,000 | $34,000 |
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 | 4,006 | $569,631,000 | $134,125 | $1,000,000 | $92,625 | $1,743,000 |
| Black or African American | 147 | $16,098,000 | $128,250 | $334,000 | $61,000 | $199,000 |
| Not Provided | 143 | $17,617,000 | $108,166 | $455,000 | $56,500 | $585,000 |
| American Indian or Alaskan Native | 82 | $7,912,000 | $130,000 | $334,000 | $115,666 | $682,000 |
| Hispanic | 51 | $6,567,000 | $169,500 | $430,000 | $72,250 | $504,000 |
| Asian | 32 | $4,319,000 | $122,750 | $334,000 | $71,250 | $176,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $788,000 | $113,000 | $244,000 | $43,000 | $103,000 |
| Not applicable | 3 | $460,000 | $180,000 | $260,000 | $80,000 | $128,000 |
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) | 4,417 | $618,474,000 | $132,500 | $1,000,000 | $91,500 | $1,743,000 |
| FHA-insured (Federal Housing Administration) | 41 | $3,428,000 | $83,000 | $163,000 | $45,000 | $585,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,490,000 | $124,000 | $240,000 | $53,000 | $123,000 |
| 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 | 3,509 | $497,488,000 | $135,875 | $840,000 | $91,625 | $1,743,000 |
| Application Withdrawn By Applicant | 660 | $90,088,000 | $150,400 | $1,000,000 | $61,200 | $1,436,000 |
| Application Denied By Financial Institution | 280 | $33,821,000 | $113,000 | $965,000 | $73,750 | $727,000 |
| Application Approved But Not Accepted | 10 | $1,042,000 | $121,333 | $173,000 | $55,000 | $89,000 |
| Loan Purchased By The Institution | 10 | $916,000 | $102,500 | $193,000 | $51,500 | $184,000 |
| File Closed For Incompleteness | 1 | $37,000 | $37,000 | $37,000 | $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 | 96 | $11,493,000 | $135,333 | $965,000 | $38,000 | $727,000 |
| Other | 76 | $7,966,000 | $111,000 | $380,000 | $104,500 | $360,000 |
| Debt-To-Income Ratio | 42 | $5,449,000 | $114,250 | $600,000 | $50,250 | $174,000 |
| Collateral | 42 | $5,642,000 | $100,600 | $564,000 | $73,800 | $279,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $1,490,000 | $142,333 | $350,000 | $50,666 | $141,000 |
| Credit Application Incomplete | 7 | $829,000 | $118,000 | $225,000 | $34,000 | $67,000 |
| Unverifiable Information | 3 | $546,000 | $194,000 | $230,000 | $46,500 | $52,000 |
| Employment History | 2 | $406,000 | $203,000 | $236,000 | $107,000 | $144,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sidus Financial, LLC's 2004 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.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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