Sidus Financial, LLC Mortgage Lending & HMDA Data, 2005
In 2005, Sidus Financial, LLC of Greenville, NC reported 5,205 mortgage applications totaling $893.9 million, up 16% from 2004. The average application was for $171,736, and applicants reported an average income of $75,853. 83% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Richmond, VA (464), Virginia Beach-Norfolk-Newport News, VA-NC (224) and Columbia, SC (194) (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 | 5,205 |
| Total Mortgage Loan Application Amount | $893,890,000 |
| Average Mortgage Loan Application Amount | $171,736 |
| Highest Mortgage Loan Application Amount | $93,000,000 |
| Average Applicant Income | $75,853 |
| Highest Applicant Income | $7,120,000 |
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Act (HMDA) records Sidus Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 464 | $ 78,923,000 | $ 170,092 | $ 77,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 224 | $ 47,061,000 | $ 210,093 | $ 84,000 |
| Columbia, SC | 194 | $ 28,460,000 | $ 146,701 | $ 81,000 |
| Roanoke, VA | 187 | $ 28,554,000 | $ 152,695 | $ 70,000 |
| Greenville, NC | 181 | $ 20,958,000 | $ 115,790 | $ 60,000 |
| Wilmington, NC | 181 | $ 32,150,000 | $ 177,624 | $ 80,000 |
| Greenville, SC | 180 | $ 25,106,000 | $ 139,477 | $ 86,000 |
| Asheville, NC | 151 | $ 22,459,000 | $ 148,735 | $ 65,000 |
| Greensboro-High Point, NC | 129 | $ 14,534,000 | $ 112,666 | $ 71,000 |
| Raleigh-Cary, NC | 126 | $ 16,455,000 | $ 130,595 | $ 84,000 |
| Winston-Salem, NC | 126 | $ 15,481,000 | $ 122,865 | $ 57,000 |
| Anderson, SC | 124 | $ 20,335,000 | $ 163,991 | $ 80,000 |
| Hickory-Lenoir-Morganton, NC | 111 | $ 13,275,000 | $ 119,594 | $ 57,000 |
| Lynchburg, VA | 102 | $ 14,317,000 | $ 140,362 | $ 69,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 78 | $ 11,973,000 | $ 153,500 | $ 76,000 |
| Charlotte-Gastonia-Concord, NC-SC | 75 | $ 9,637,000 | $ 128,493 | $ 94,000 |
| Burlington, NC | 57 | $ 6,996,000 | $ 122,736 | $ 42,000 |
| Charlottesville, VA | 50 | $ 8,099,000 | $ 161,980 | $ 77,000 |
| Spartanburg, SC | 47 | $ 8,229,000 | $ 175,085 | $ 85,000 |
| Bethesda-Frederick-Gaithersburg, MD | 43 | $ 9,968,000 | $ 231,813 | $ 101,000 |
| Baltimore-Towson, MD | 36 | $ 9,022,000 | $ 250,611 | $ 96,000 |
| Rocky Mount, NC | 36 | $ 4,501,000 | $ 125,027 | $ 46,000 |
| Knoxville, TN | 35 | $ 5,552,000 | $ 158,628 | $ 56,000 |
| Atlanta-Sandy Springs-Marietta, GA | 28 | $ 3,879,000 | $ 138,535 | $ 58,000 |
| Goldsboro, NC | 25 | $ 4,189,000 | $ 167,560 | $ 82,000 |
| Savannah, GA | 22 | $ 2,755,000 | $ 125,227 | $ 54,000 |
| Fayetteville, NC | 21 | $ 2,563,000 | $ 122,047 | $ 71,000 |
| Charleston-North Charleston, SC | 20 | $ 4,156,000 | $ 207,800 | $ 107,000 |
| Florence, SC | 20 | $ 2,414,000 | $ 120,700 | $ 65,000 |
| Durham, NC | 17 | $ 3,350,000 | $ 197,058 | $ 105,000 |
| Brunswick, GA | 14 | $ 2,443,000 | $ 174,500 | $ 85,000 |
| Johnson City, TN | 10 | $ 923,000 | $ 92,300 | $ 57,000 |
| Jacksonville, NC | 9 | $ 1,313,000 | $ 145,888 | $ 59,000 |
| Danville, VA | 8 | $ 906,000 | $ 113,250 | $ 70,000 |
| Kingsport-Bristol-Bristol, TN-VA | 8 | $ 930,000 | $ 116,250 | $ 43,000 |
| Winchester, VA-WV | 8 | $ 1,997,000 | $ 249,625 | $ 97,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 6 | $ 1,125,000 | $ 187,500 | $ 59,000 |
| Nashville-Davidson--Murfreesboro, TN | 5 | $ 903,000 | $ 180,600 | $ 60,000 |
| Sarasota-Bradenton-Venice, FL | 4 | $ 923,000 | $ 230,750 | $ 100,000 |
| Sumter, SC | 4 | $ 439,000 | $ 109,750 | $ 81,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 426,000 | $ 142,000 | $ 66,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 665,000 | $ 221,666 | $ 55,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 494,000 | $ 164,666 | $ 71,000 |
| Morristown, TN | 3 | $ 587,000 | $ 195,666 | $ 77,000 |
| Auburn-Opelika, AL | 2 | $ 210,000 | $ 105,000 | $ 41,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 360,000 | $ 180,000 | $ 66,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 505,000 | $ 252,500 | $ 90,000 |
| Jacksonville, FL | 2 | $ 186,000 | $ 93,000 | $ 62,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 162,000 | $ 81,000 | $ 17,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 128,000 | $ 128,000 | $ 78,000 |
| Colorado Springs, CO | 1 | $ 163,000 | $ 163,000 | $ 44,000 |
| Dalton, GA | 1 | $ 200,000 | $ 200,000 | $ 201,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 268,000 | $ 268,000 | $ 62,000 |
| Florence-Muscle Shoals, AL | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 100,000 | $ 100,000 | $ 68,000 |
| Ocala, FL | 1 | $ 300,000 | $ 300,000 | $ 48,000 |
| Orlando, FL | 1 | $ 259,000 | $ 259,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Sidus Financial, LLC in 2005
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 | 2,886 | $479,481,000 | $175,250 | $2,006,000 | $67,125 | $3,583,000 |
| Home Purchase | 2,234 | $313,826,000 | $153,090 | $1,200,000 | $70,454 | $7,120,000 |
| Home Improvement | 85 | $100,583,000 | $365,600 | $93,000,000 | $36,800 | $217,000 |
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 | 4,502 | $790,110,000 | $166,200 | $93,000,000 | $69,500 | $7,120,000 |
| Not Provided | 285 | $48,509,000 | $190,285 | $1,600,000 | $81,000 | $600,000 |
| Black or African American | 218 | $25,039,000 | $127,666 | $424,000 | $58,833 | $1,080,000 |
| Hispanic | 88 | $12,246,000 | $157,571 | $953,000 | $46,142 | $219,000 |
| American Indian or Alaskan Native | 53 | $7,086,000 | $229,666 | $1,119,000 | $112,666 | $779,000 |
| Asian | 53 | $9,972,000 | $197,500 | $712,000 | $86,666 | $389,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $928,000 | $164,000 | $300,000 | $63,000 | $149,000 |
| 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) | 4,897 | $771,346,000 | $168,454 | $2,006,000 | $65,545 | $7,120,000 |
| FHA-insured (Federal Housing Administration) | 294 | $120,530,000 | $172,833 | $93,000,000 | $40,666 | $3,583,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,758,000 | $146,000 | $255,000 | $50,000 | $102,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $256,000 | $128,000 | $179,000 | $41,000 | $49,000 |
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 | 4,307 | $662,001,000 | $161,888 | $2,006,000 | $73,333 | $7,120,000 |
| Application Withdrawn By Applicant | 414 | $70,072,000 | $199,875 | $1,900,000 | $58,875 | $1,080,000 |
| Application Denied By Financial Institution | 355 | $141,338,000 | $178,888 | $93,000,000 | $53,000 | $3,583,000 |
| Application Approved But Not Accepted | 115 | $16,979,000 | $204,428 | $650,000 | $81,428 | $266,000 |
| File Closed For Incompleteness | 13 | $3,218,000 | $313,250 | $477,000 | $101,000 | $170,000 |
| Loan Purchased By The Institution | 1 | $282,000 | $282,000 | $282,000 | $124,000 | $124,000 |
| 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 | 105 | $14,708,000 | $177,600 | $758,000 | $73,600 | $575,000 |
| Collateral | 67 | $11,194,000 | $153,600 | $863,000 | $70,600 | $1,197,000 |
| Debt-To-Income Ratio | 66 | $9,403,000 | $170,800 | $590,000 | $54,800 | $348,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 55 | $97,405,000 | $530,500 | $93,000,000 | $26,000 | $139,000 |
| Other | 35 | $3,620,000 | $98,600 | $290,000 | $41,200 | $134,000 |
| Employment History | 8 | $1,145,000 | $154,250 | $324,000 | $45,500 | $118,000 |
| Credit Application Incomplete | 4 | $323,000 | $80,000 | $154,000 | $37,000 | $54,000 |
| Unverifiable Information | 4 | $1,952,000 | $488,000 | $1,600,000 | $172,000 | $600,000 |
| Mortgage Insurance Denied | 2 | $153,000 | $76,500 | $81,000 | $13,500 | $16,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sidus Financial, LLC's 2005 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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