Sidus Financial, LLC Mortgage Lending & HMDA Data, 2009
In 2009, Sidus Financial, LLC of Greenville, NC reported 8,964 mortgage applications totaling $1.6 billion, up 20% from 2008. The average application was for $179,319, and applicants reported an average income of $74,557. 78% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Richmond, VA (341), Hickory-Lenoir-Morganton, NC (313) and Roanoke, VA (276) (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 | 8,964 |
| Total Mortgage Loan Application Amount | $1,607,418,000 |
| Average Mortgage Loan Application Amount | $179,319 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $74,557 |
| Highest Applicant Income | $9,000,000 |
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Act (HMDA) records Sidus Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Richmond, VA | 341 | $ 73,797,000 | $ 216,413 | $ 100,000 |
| Hickory-Lenoir-Morganton, NC | 313 | $ 39,625,000 | $ 126,597 | $ 53,000 |
| Roanoke, VA | 276 | $ 51,407,000 | $ 186,257 | $ 93,000 |
| Winston-Salem, NC | 257 | $ 36,217,000 | $ 140,922 | $ 61,000 |
| Columbia, SC | 245 | $ 43,105,000 | $ 175,938 | $ 82,000 |
| Portland-South Portland-Biddeford, ME | 242 | $ 46,731,000 | $ 193,103 | $ 59,000 |
| Greensboro-High Point, NC | 223 | $ 29,738,000 | $ 133,354 | $ 56,000 |
| Greenville-Mauldin-Easley, SC | 217 | $ 33,030,000 | $ 152,211 | $ 71,000 |
| Lynchburg, VA | 214 | $ 37,990,000 | $ 177,523 | $ 75,000 |
| Charlotte-Gastonia-Concord, NC-SC | 205 | $ 40,592,000 | $ 198,009 | $ 137,921 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 179 | $ 51,690,000 | $ 288,770 | $ 136,117 |
| Raleigh-Cary, NC | 178 | $ 31,907,000 | $ 179,252 | $ 79,000 |
| Boston-Quincy, MA | 173 | $ 46,283,000 | $ 267,531 | $ 77,000 |
| Wilmington, NC | 169 | $ 34,475,000 | $ 203,994 | $ 81,000 |
| Cambridge-Newton-Framingham, MA | 157 | $ 40,408,000 | $ 257,375 | $ 74,000 |
| Providence-New Bedford-Fall River, RI-MA | 141 | $ 31,487,000 | $ 223,312 | $ 54,950 |
| Anderson, SC | 137 | $ 21,459,000 | $ 156,635 | $ 69,000 |
| Greenville, NC | 134 | $ 22,746,000 | $ 169,746 | $ 89,000 |
| Rockingham County-Strafford County, NH | 127 | $ 28,707,000 | $ 226,039 | $ 68,000 |
| Peabody, MA | 118 | $ 27,538,000 | $ 233,372 | $ 63,000 |
| Manchester-Nashua, NH | 116 | $ 25,429,000 | $ 219,215 | $ 64,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 115 | $ 28,461,000 | $ 247,486 | $ 114,165 |
| Worcester, MA | 115 | $ 25,510,000 | $ 221,826 | $ 69,000 |
| Charlottesville, VA | 84 | $ 21,367,000 | $ 254,369 | $ 114,000 |
| Charleston-North Charleston-Summerville, SC | 82 | $ 13,602,000 | $ 165,878 | $ 59,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 82 | $ 12,227,000 | $ 149,109 | $ 81,000 |
| Atlanta-Sandy Springs-Marietta, GA | 72 | $ 10,463,000 | $ 145,319 | $ 60,000 |
| Goldsboro, NC | 71 | $ 9,799,000 | $ 138,014 | $ 46,000 |
| Durham-Chapel Hill, NC | 65 | $ 11,865,000 | $ 182,538 | $ 68,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 50 | $ 9,223,000 | $ 184,460 | $ 76,000 |
| Bangor, ME | 47 | $ 5,484,000 | $ 116,680 | $ 47,000 |
| Asheville, NC | 41 | $ 7,667,000 | $ 187,000 | $ 53,000 |
| Florence, SC | 41 | $ 5,357,000 | $ 130,658 | $ 67,000 |
| Bethesda-Frederick-Rockville, MD | 40 | $ 12,719,000 | $ 317,975 | $ 133,000 |
| Hartford-West Hartford-East Hartford, CT | 39 | $ 8,519,000 | $ 218,435 | $ 69,000 |
| Lewiston-Auburn, ME | 38 | $ 5,186,000 | $ 136,473 | $ 44,000 |
| Burlington, NC | 37 | $ 6,333,000 | $ 171,162 | $ 63,000 |
| Barnstable Town, MA | 30 | $ 7,366,000 | $ 245,533 | $ 72,000 |
| Kingsport-Bristol-Bristol, TN-VA | 30 | $ 4,830,000 | $ 161,000 | $ 62,300 |
| New Haven-Milford, CT | 30 | $ 7,130,000 | $ 237,666 | $ 74,000 |
| Johnson City, TN | 29 | $ 4,124,000 | $ 142,206 | $ 60,000 |
| Springfield, MA | 29 | $ 5,881,000 | $ 202,793 | $ 67,000 |
| Baltimore-Towson, MD | 28 | $ 7,431,000 | $ 265,392 | $ 138,000 |
| Bridgeport-Stamford-Norwalk, CT | 26 | $ 6,969,000 | $ 268,038 | $ 90,000 |
| Rocky Mount, NC | 26 | $ 2,765,000 | $ 106,346 | $ 45,000 |
| Jacksonville, NC | 24 | $ 3,499,000 | $ 145,791 | $ 48,000 |
| Spartanburg, SC | 24 | $ 4,218,000 | $ 175,750 | $ 84,000 |
| Knoxville, TN | 23 | $ 4,395,000 | $ 191,086 | $ 82,000 |
| Norwich-New London, CT | 22 | $ 4,455,000 | $ 202,500 | $ 66,000 |
| Brunswick, GA | 19 | $ 3,431,000 | $ 180,578 | $ 81,000 |
| Savannah, GA | 17 | $ 3,213,000 | $ 189,000 | $ 81,000 |
| Blacksburg-Christiansburg-Radford, VA | 14 | $ 2,636,000 | $ 188,285 | $ 79,000 |
| Harrisonburg, VA | 11 | $ 1,201,000 | $ 109,181 | $ 57,000 |
| Morristown, TN | 11 | $ 2,736,000 | $ 248,727 | $ 131,000 |
| Philadelphia, PA | 11 | $ 2,433,000 | $ 221,181 | $ 102,000 |
| Augusta-Richmond County, GA-SC | 10 | $ 1,226,000 | $ 122,600 | $ 66,000 |
| Burlington-South Burlington, VT | 10 | $ 1,918,000 | $ 191,800 | $ 82,000 |
| Danville, VA | 10 | $ 1,232,000 | $ 123,200 | $ 52,000 |
| Jacksonville, FL | 9 | $ 1,393,000 | $ 154,777 | $ 74,000 |
| Valdosta, GA | 9 | $ 1,344,000 | $ 149,333 | $ 54,000 |
| Louisville-Jefferson County, KY-IN | 8 | $ 1,141,000 | $ 142,625 | $ 82,000 |
| Clarksville, TN-KY | 7 | $ 1,085,000 | $ 155,000 | $ 92,000 |
| Columbus, GA-AL | 6 | $ 862,000 | $ 143,666 | $ 39,000 |
| Fayetteville, NC | 6 | $ 859,000 | $ 143,166 | $ 80,000 |
| Mobile, AL | 6 | $ 760,000 | $ 126,666 | $ 19,000 |
| Albany, GA | 5 | $ 564,000 | $ 112,800 | $ 39,000 |
| Dothan, AL | 4 | $ 564,000 | $ 141,000 | $ 43,000 |
| Hinesville-Fort Stewart, GA | 4 | $ 595,000 | $ 148,750 | $ 110,000 |
| Winchester, VA-WV | 4 | $ 996,000 | $ 249,000 | $ 103,000 |
| Elizabethtown, KY | 3 | $ 255,000 | $ 85,000 | $ 24,000 |
| Sumter, SC | 3 | $ 402,000 | $ 134,000 | $ 74,000 |
| Tallahassee, FL | 3 | $ 846,000 | $ 282,000 | $ 101,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 257,000 | $ 128,500 | $ 60,000 |
| Lancaster, PA | 2 | $ 429,000 | $ 214,500 | $ 75,000 |
| Lexington-Fayette, KY | 2 | $ 267,000 | $ 133,500 | $ 31,000 |
| Pascagoula, MS | 2 | $ 64,000 | $ 32,000 | $ 14,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 296,000 | $ 148,000 | $ 52,000 |
| Wilmington, DE-MD-NJ | 2 | $ 462,000 | $ 231,000 | $ 137,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 112,000 | $ 112,000 | $ 28,000 |
| Athens-Clarke County, GA | 1 | $ 222,000 | $ 222,000 | $ 60,000 |
| Birmingham-Hoover, AL | 1 | $ 42,000 | $ 42,000 | $ 33,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 140,000 | $ 140,000 | $ 31,000 |
| Chattanooga, TN-GA | 1 | $ 218,000 | $ 218,000 | $ 102,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 260,000 | $ 260,000 | $ 120,000 |
| Harrisburg-Carlisle, PA | 1 | $ 133,000 | $ 133,000 | $ 30,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 328,000 | $ 328,000 | $ 103,000 |
| Memphis, TN-MS-AR | 1 | $ 190,000 | $ 190,000 | $ 67,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 385,000 | $ 385,000 | $ 92,000 |
| Orlando-Kissimmee, FL | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 345,000 | $ 345,000 | $ 110,000 |
| Pittsburgh, PA | 1 | $ 107,000 | $ 107,000 | $ 34,000 |
| Sebastian-Vero Beach, FL | 1 | $ 63,000 | $ 63,000 | $ 12,000 |
| Warner Robins, GA | 1 | $ 78,000 | $ 78,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Sidus Financial, LLC in 2009
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 | 5,613 | $1,083,731,000 | $193,000 | $1,000,000 | $82,000 | $1,622,000 |
| Home Purchase | 3,337 | $520,984,000 | $156,000 | $1,000,000 | $62,000 | $9,000,000 |
| Home Improvement | 14 | $2,703,000 | $193,000 | $403,000 | $84,000 | $239,000 |
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 | 7,852 | $1,409,402,000 | $179,000 | $1,000,000 | $74,000 | $1,622,000 |
| Not Provided | 382 | $77,580,000 | $203,000 | $739,000 | $93,000 | $1,208,000 |
| Black or African American | 368 | $52,498,000 | $142,000 | $1,000,000 | $73,000 | $9,000,000 |
| Hispanic | 193 | $32,581,000 | $168,000 | $533,000 | $55,000 | $188,000 |
| Asian | 113 | $26,422,000 | $233,000 | $592,000 | $93,000 | $737,000 |
| American Indian or Alaskan Native | 44 | $6,023,000 | $136,000 | $308,000 | $61,000 | $262,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $2,912,000 | $242,000 | $410,000 | $100,000 | $485,000 |
| 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) | 4,885 | $942,680,000 | $192,000 | $1,000,000 | $96,000 | $9,000,000 |
| FHA-insured (Federal Housing Administration) | 2,506 | $443,304,000 | $176,000 | $740,000 | $53,000 | $366,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1,277 | $169,166,000 | $132,000 | $349,000 | $43,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 296 | $52,268,000 | $176,000 | $417,000 | $56,000 | $208,000 |
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 | 7,017 | $1,262,510,000 | $179,000 | $1,000,000 | $75,000 | $1,622,000 |
| Application Denied By Financial Institution | 1,025 | $190,364,000 | $185,000 | $1,000,000 | $77,000 | $9,000,000 |
| Application Approved But Not Accepted | 472 | $82,613,000 | $175,000 | $417,000 | $73,000 | $579,000 |
| Application Withdrawn By Applicant | 446 | $71,020,000 | $159,000 | $417,000 | $72,000 | $1,200,000 |
| File Closed For Incompleteness | 4 | $911,000 | $227,000 | $330,000 | $46,000 | $76,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 342 | $65,529,000 | $191,000 | $1,000,000 | $107,000 | $9,000,000 |
| Debt-To-Income Ratio | 255 | $47,451,000 | $186,000 | $984,000 | $51,000 | $405,000 |
| Other | 181 | $32,331,000 | $178,000 | $491,000 | $66,000 | $682,000 |
| Credit History | 96 | $15,659,000 | $163,000 | $410,000 | $60,000 | $259,000 |
| Employment History | 49 | $7,905,000 | $161,000 | $360,000 | $52,000 | $150,000 |
| Unverifiable Information | 18 | $3,744,000 | $208,000 | $417,000 | $83,000 | $261,000 |
| Credit Application Incomplete | 16 | $3,790,000 | $236,000 | $417,000 | $66,000 | $159,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $2,155,000 | $215,000 | $417,000 | $119,000 | $600,000 |
| Mortgage Insurance Denied | 10 | $2,382,000 | $238,000 | $417,000 | $82,000 | $155,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sidus Financial, LLC's 2009 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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