Sidus Financial, LLC Mortgage Lending & HMDA Data, 2008
In 2008, Sidus Financial, LLC of Greenville, NC reported 7,462 mortgage applications totaling $1.4 billion, up 12% from 2007. The average application was for $181,321, and applicants reported an average income of $78,197. 74% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Portland-South Portland-Biddeford, ME (276), Hickory-Lenoir-Morganton, NC (270) and Winston-Salem, NC (223) (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 | 7,462 |
| Total Mortgage Loan Application Amount | $1,353,019,000 |
| Average Mortgage Loan Application Amount | $181,321 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $78,197 |
| Highest Applicant Income | $5,099,000 |
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Act (HMDA) records Sidus Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Portland-South Portland-Biddeford, ME | 276 | $ 56,035,000 | $ 203,025 | $ 74,000 |
| Hickory-Lenoir-Morganton, NC | 270 | $ 39,203,000 | $ 145,196 | $ 64,000 |
| Winston-Salem, NC | 223 | $ 32,464,000 | $ 145,578 | $ 65,000 |
| Lynchburg, VA | 217 | $ 37,083,000 | $ 170,889 | $ 73,000 |
| Boston-Quincy, MA | 210 | $ 55,067,000 | $ 262,223 | $ 90,000 |
| Richmond, VA | 209 | $ 46,767,000 | $ 223,765 | $ 100,000 |
| Greensboro-High Point, NC | 207 | $ 25,983,000 | $ 125,521 | $ 52,000 |
| Greenville-Mauldin-Easley, SC | 203 | $ 29,550,000 | $ 145,566 | $ 77,000 |
| Rockingham County-Strafford County, NH | 187 | $ 42,072,000 | $ 224,983 | $ 80,000 |
| Columbia, SC | 182 | $ 30,932,000 | $ 169,956 | $ 92,000 |
| Roanoke, VA | 180 | $ 34,032,000 | $ 189,066 | $ 81,000 |
| Manchester-Nashua, NH | 176 | $ 39,164,000 | $ 222,522 | $ 85,000 |
| Raleigh-Cary, NC | 174 | $ 30,335,000 | $ 174,339 | $ 79,000 |
| Wilmington, NC | 155 | $ 33,185,000 | $ 214,096 | $ 88,000 |
| Greenville, NC | 153 | $ 22,944,000 | $ 149,960 | $ 77,000 |
| Cambridge-Newton-Framingham, MA | 151 | $ 40,102,000 | $ 265,576 | $ 148,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 141 | $ 43,266,000 | $ 306,851 | $ 119,085 |
| Charlotte-Gastonia-Concord, NC-SC | 120 | $ 21,062,000 | $ 175,516 | $ 83,833 |
| Peabody, MA | 117 | $ 26,989,000 | $ 230,675 | $ 75,000 |
| Anderson, SC | 108 | $ 19,586,000 | $ 181,351 | $ 69,000 |
| Worcester, MA | 102 | $ 22,605,000 | $ 221,617 | $ 72,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 88 | $ 22,072,000 | $ 250,818 | $ 108,363 |
| Atlanta-Sandy Springs-Marietta, GA | 87 | $ 16,193,000 | $ 186,126 | $ 79,000 |
| Charleston-North Charleston-Summerville, SC | 78 | $ 14,559,000 | $ 186,653 | $ 82,000 |
| Goldsboro, NC | 61 | $ 9,050,000 | $ 148,360 | $ 62,000 |
| Bangor, ME | 59 | $ 7,734,000 | $ 131,084 | $ 56,000 |
| Rocky Mount, NC | 57 | $ 8,061,000 | $ 141,421 | $ 75,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 56 | $ 10,258,000 | $ 183,178 | $ 98,000 |
| Bethesda-Frederick-Gaithersburg, MD | 52 | $ 15,903,000 | $ 305,826 | $ 126,000 |
| Jacksonville, NC | 48 | $ 8,868,000 | $ 184,750 | $ 97,000 |
| Durham, NC | 46 | $ 8,550,000 | $ 185,869 | $ 94,000 |
| Burlington, NC | 44 | $ 6,958,000 | $ 158,136 | $ 66,000 |
| Lewiston-Auburn, ME | 44 | $ 6,682,000 | $ 151,863 | $ 59,000 |
| Providence-New Bedford-Fall River, RI-MA | 44 | $ 9,588,000 | $ 217,909 | $ 66,363 |
| Asheville, NC | 43 | $ 7,800,000 | $ 181,395 | $ 51,000 |
| Savannah, GA | 38 | $ 6,772,000 | $ 178,210 | $ 74,000 |
| Springfield, MA | 33 | $ 6,778,000 | $ 205,393 | $ 67,000 |
| Charlottesville, VA | 31 | $ 7,267,000 | $ 234,419 | $ 90,000 |
| Baltimore-Towson, MD | 26 | $ 7,786,000 | $ 299,461 | $ 109,000 |
| Knoxville, TN | 25 | $ 6,491,000 | $ 259,640 | $ 120,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 25 | $ 5,198,000 | $ 207,920 | $ 77,000 |
| Johnson City, TN | 22 | $ 3,767,000 | $ 171,227 | $ 75,000 |
| Spartanburg, SC | 21 | $ 3,246,000 | $ 154,571 | $ 73,000 |
| Florence, SC | 20 | $ 2,211,000 | $ 110,550 | $ 53,000 |
| Barnstable Town, MA | 19 | $ 4,403,000 | $ 231,736 | $ 108,000 |
| Fayetteville, NC | 19 | $ 2,309,000 | $ 121,526 | $ 52,000 |
| Burlington-South Burlington, VT | 18 | $ 3,728,000 | $ 207,111 | $ 71,000 |
| Hartford-West Hartford-East Hartford, CT | 17 | $ 3,156,000 | $ 185,647 | $ 74,000 |
| Kingsport-Bristol-Bristol, TN-VA | 15 | $ 2,583,000 | $ 172,200 | $ 80,800 |
| Danville, VA | 11 | $ 1,497,000 | $ 136,090 | $ 64,000 |
| Chattanooga, TN-GA | 10 | $ 2,022,000 | $ 202,200 | $ 120,600 |
| New Haven-Milford, CT | 8 | $ 1,754,000 | $ 219,250 | $ 79,000 |
| Brunswick, GA | 7 | $ 1,308,000 | $ 186,857 | $ 84,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 556,000 | $ 92,666 | $ 68,166 |
| Blacksburg-Christiansburg-Radford, VA | 6 | $ 822,000 | $ 137,000 | $ 70,000 |
| Clarksville, TN-KY | 6 | $ 917,000 | $ 152,833 | $ 50,000 |
| Morristown, TN | 6 | $ 1,176,000 | $ 196,000 | $ 104,000 |
| Gainesville, FL | 4 | $ 1,293,000 | $ 323,250 | $ 109,000 |
| Norwich-New London, CT | 4 | $ 667,000 | $ 166,750 | $ 54,000 |
| Albany, GA | 3 | $ 274,000 | $ 91,333 | $ 44,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 673,000 | $ 224,333 | $ 107,000 |
| Dalton, GA | 3 | $ 857,000 | $ 285,666 | $ 124,000 |
| Harrisonburg, VA | 3 | $ 528,000 | $ 176,000 | $ 131,000 |
| Hinesville-Fort Stewart, GA | 3 | $ 339,000 | $ 113,000 | $ 23,000 |
| Tallahassee, FL | 3 | $ 482,000 | $ 160,666 | $ 48,000 |
| Valdosta, GA | 3 | $ 308,000 | $ 102,666 | $ 41,000 |
| Athens-Clarke County, GA | 2 | $ 246,000 | $ 123,000 | $ 49,000 |
| Jacksonville, FL | 2 | $ 359,000 | $ 179,500 | $ 118,000 |
| Macon, GA | 2 | $ 299,000 | $ 149,500 | $ 59,000 |
| Rome, GA | 2 | $ 214,000 | $ 107,000 | $ 48,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 327,000 | $ 163,500 | $ 50,000 |
| Winchester, VA-WV | 2 | $ 365,000 | $ 182,500 | $ 98,000 |
| Birmingham-Hoover, AL | 1 | $ 232,000 | $ 232,000 | $ 62,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 116,000 | $ 116,000 | $ 84,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 118,000 | $ 118,000 | $ 37,000 |
| Dothan, AL | 1 | $ 234,000 | $ 234,000 | $ 65,000 |
| Dover, DE | 1 | $ 140,000 | $ 140,000 | $ 94,000 |
| Gainesville, GA | 1 | $ 100,000 | $ 100,000 | $ 226,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 250,000 | $ 250,000 | $ 136,000 |
| Huntsville, AL | 1 | $ 61,000 | $ 61,000 | $ 40,000 |
| Lexington-Fayette, KY | 1 | $ 204,000 | $ 204,000 | $ 107,000 |
| Memphis, TN-MS-AR | 1 | $ 170,000 | $ 170,000 | $ 59,000 |
| Orlando-Kissimmee, FL | 1 | $ 204,000 | $ 204,000 | $ 147,000 |
| Panama City-Lynn Haven, FL | 1 | $ 93,000 | $ 93,000 | $ 33,000 |
| Port St. Lucie, FL | 1 | $ 100,000 | $ 100,000 | $ 166,000 |
| Wilmington, DE-MD-NJ | 1 | $ 300,000 | $ 300,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for Sidus Financial, LLC in 2008
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 | 3,918 | $757,425,000 | $193,000 | $1,500,000 | $82,000 | $5,099,000 |
| Home Purchase | 3,537 | $594,463,000 | $168,000 | $1,178,000 | $74,000 | $4,156,000 |
| Home Improvement | 7 | $1,131,000 | $161,000 | $292,000 | $71,000 | $123,000 |
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 | 6,357 | $1,161,258,000 | $182,000 | $1,500,000 | $79,000 | $5,099,000 |
| Not Provided | 380 | $72,908,000 | $191,000 | $746,000 | $83,000 | $682,000 |
| Black or African American | 368 | $51,311,000 | $139,000 | $480,000 | $55,000 | $561,000 |
| Hispanic | 187 | $32,482,000 | $173,000 | $443,000 | $60,000 | $218,000 |
| Asian | 75 | $19,442,000 | $259,000 | $417,000 | $104,000 | $260,000 |
| American Indian or Alaskan Native | 65 | $8,770,000 | $134,000 | $417,000 | $68,000 | $288,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $4,734,000 | $215,000 | $464,000 | $87,000 | $297,000 |
| Not applicable | 8 | $2,114,000 | $264,000 | $400,000 | $122,000 | $240,000 |
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) | 4,855 | $937,792,000 | $193,000 | $1,500,000 | $91,000 | $5,099,000 |
| FHA-insured (Federal Housing Administration) | 1,765 | $292,974,000 | $165,000 | $639,000 | $57,000 | $613,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 607 | $79,224,000 | $130,000 | $377,000 | $43,000 | $175,000 |
| VA-guaranteed (Veterans Administration) | 235 | $43,029,000 | $183,000 | $417,000 | $62,000 | $210,000 |
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 | 5,543 | $1,006,573,000 | $181,000 | $1,178,000 | $79,000 | $5,099,000 |
| Application Denied By Financial Institution | 805 | $144,518,000 | $179,000 | $1,307,000 | $75,000 | $4,156,000 |
| Application Withdrawn By Applicant | 730 | $130,297,000 | $178,000 | $1,500,000 | $74,000 | $468,000 |
| Application Approved But Not Accepted | 375 | $69,660,000 | $185,000 | $1,463,000 | $83,000 | $627,000 |
| File Closed For Incompleteness | 8 | $1,787,000 | $223,000 | $320,000 | $40,000 | $70,000 |
| Loan Purchased By The Institution | 1 | $184,000 | $184,000 | $184,000 | $47,000 | $47,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 237 | $47,131,000 | $198,000 | $746,000 | $58,000 | $463,000 |
| Collateral | 184 | $33,683,000 | $183,000 | $1,307,000 | $107,000 | $4,156,000 |
| Credit History | 137 | $20,347,000 | $148,000 | $417,000 | $66,000 | $338,000 |
| Other | 79 | $12,694,000 | $160,000 | $417,000 | $68,000 | $365,000 |
| Employment History | 35 | $5,904,000 | $168,000 | $377,000 | $58,000 | $298,000 |
| Mortgage Insurance Denied | 14 | $2,937,000 | $209,000 | $376,000 | $79,000 | $191,000 |
| Unverifiable Information | 6 | $1,371,000 | $228,000 | $400,000 | $66,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,243,000 | $248,000 | $371,000 | $62,000 | $121,000 |
| Credit Application Incomplete | 4 | $748,000 | $187,000 | $251,000 | $69,000 | $87,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sidus Financial, LLC's 2008 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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