R M K Financial Corp. Mortgage Lending & HMDA Data, 2022
In 2022, R M K Financial Corp. of Ontario, CA reported 1,221 mortgage applications totaling $536.2 million, down 38% from 2021. The average application was for $439,168, and applicants reported an average income of $130,189. 84% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (315), Riverside-San Bernardino-Ontario, CA (236) and Washington-Arlington-Alexandria, DC-VA-MD-WV (67) (applications in parentheses).
| Mortgage Company & Address | R M K Financial Corp. 1819 S. Excise Avenue Ontario, CA 91761 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2010 2009 |
| Total Number of Mortgage Applications | 1,221 |
| Total Mortgage Loan Application Amount | $536,225,000 |
| Average Mortgage Loan Application Amount | $439,168 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $130,189 |
| Highest Applicant Income | $5,842,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records R M K Financial Corp. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles, California | 315 | $ 173,585,000 | $ 551,063 | $ 134,000 |
| San Bernardino, California | 119 | $ 49,375,000 | $ 414,915 | $ 116,000 |
| Riverside, California | 117 | $ 54,225,000 | $ 463,461 | $ 133,000 |
| Kern, California | 51 | $ 15,695,000 | $ 307,745 | $ 90,000 |
| Orange, California | 38 | $ 26,590,000 | $ 699,736 | $ 194,000 |
| Harris, Texas | 29 | $ 7,765,000 | $ 267,758 | $ 79,000 |
| Fort Bend, Texas | 27 | $ 9,325,000 | $ 345,370 | $ 95,000 |
| Fairfax, Virginia | 24 | $ 9,450,000 | $ 393,750 | $ 118,000 |
| Philadelphia, Pennsylvania | 17 | $ 3,825,000 | $ 225,000 | $ 59,000 |
| Broward, Florida | 16 | $ 5,790,000 | $ 361,875 | $ 131,000 |
| Prince George's, Maryland | 16 | $ 7,200,000 | $ 450,000 | $ 102,000 |
| Sacramento, California | 13 | $ 6,715,000 | $ 516,538 | $ 151,000 |
| Cook, Illinois | 13 | $ 3,515,000 | $ 270,384 | $ 71,000 |
| Miami-Dade, Florida | 12 | $ 4,050,000 | $ 337,500 | $ 96,000 |
| Gwinnett, Georgia | 12 | $ 4,470,000 | $ 372,500 | $ 104,000 |
| Tarrant, Texas | 11 | $ 5,245,000 | $ 476,818 | $ 641,000 |
| Dallas, Texas | 9 | $ 2,535,000 | $ 281,666 | $ 121,000 |
| Prince William, Virginia | 9 | $ 2,865,000 | $ 318,333 | $ 90,000 |
| Fresno, California | 8 | $ 2,300,000 | $ 287,500 | $ 74,000 |
| Brevard, Florida | 8 | $ 2,040,000 | $ 255,000 | $ 63,000 |
| Montgomery, Maryland | 8 | $ 2,870,000 | $ 358,750 | $ 73,000 |
| Bexar, Texas | 8 | $ 2,390,000 | $ 298,750 | $ 79,000 |
| San Joaquin, California | 7 | $ 3,185,000 | $ 455,000 | $ 113,000 |
| Kaufman, Texas | 7 | $ 2,685,000 | $ 383,571 | $ 115,000 |
| San Diego, California | 6 | $ 3,620,000 | $ 603,333 | $ 224,000 |
| Palm Beach, Florida | 6 | $ 2,090,000 | $ 348,333 | $ 93,000 |
| Loudoun, Virginia | 6 | $ 2,360,000 | $ 393,333 | $ 82,000 |
| Santa Clara, California | 5 | $ 3,285,000 | $ 657,000 | $ 583,000 |
| DeKalb, Georgia | 5 | $ 1,145,000 | $ 229,000 | $ 82,000 |
| Fulton, Georgia | 5 | $ 1,345,000 | $ 269,000 | $ 101,000 |
| Maricopa, Arizona | 4 | $ 1,480,000 | $ 370,000 | $ 83,000 |
| Alameda, California | 4 | $ 3,030,000 | $ 757,500 | $ 183,000 |
| Ventura, California | 4 | $ 2,160,000 | $ 540,000 | $ 146,000 |
| Clayton, Georgia | 4 | $ 1,060,000 | $ 265,000 | $ 76,000 |
| Anne Arundel, Maryland | 4 | $ 1,900,000 | $ 475,000 | $ 147,000 |
| Baltimore, Maryland | 4 | $ 1,620,000 | $ 405,000 | $ 76,000 |
| Clark, Nevada | 4 | $ 1,400,000 | $ 350,000 | $ 69,000 |
| Travis, Texas | 4 | $ 1,870,000 | $ 467,500 | $ 106,000 |
| Manassas, Virginia | 4 | $ 1,210,000 | $ 302,500 | $ 71,000 |
| Contra Costa, California | 3 | $ 1,815,000 | $ 605,000 | $ 146,000 |
| San Mateo, California | 3 | $ 2,125,000 | $ 708,333 | $ 155,000 |
| Santa Barbara, California | 3 | $ 1,395,000 | $ 465,000 | $ 86,000 |
| Solano, California | 3 | $ 995,000 | $ 331,666 | $ 155,000 |
| Duval, Florida | 3 | $ 985,000 | $ 328,333 | $ 76,000 |
| Hillsborough, Florida | 3 | $ 915,000 | $ 305,000 | $ 96,000 |
| Orange, Florida | 3 | $ 845,000 | $ 281,666 | $ 89,000 |
| St. Lucie, Florida | 3 | $ 955,000 | $ 318,333 | $ 102,000 |
| Denton, Texas | 3 | $ 1,095,000 | $ 365,000 | $ 101,000 |
| Harrison, Texas | 3 | $ 395,000 | $ 131,666 | $ 43,000 |
| Stafford, Virginia | 3 | $ 1,245,000 | $ 415,000 | $ 104,000 |
| Madera, California | 2 | $ 670,000 | $ 335,000 | $ 83,000 |
| San Francisco, California | 2 | $ 2,280,000 | $ 1,140,000 | $ 433,000 |
| Stanislaus, California | 2 | $ 1,250,000 | $ 625,000 | $ 164,000 |
| Hartford, Connecticut | 2 | $ 400,000 | $ 200,000 | $ 149,000 |
| Middlesex, Connecticut | 2 | $ 300,000 | $ 150,000 | $ 60,000 |
| New Haven, Connecticut | 2 | $ 670,000 | $ 335,000 | $ 295,000 |
| Leon, Florida | 2 | $ 580,000 | $ 290,000 | $ 66,000 |
| Columbia, Georgia | 2 | $ 410,000 | $ 205,000 | $ 88,000 |
| Douglas, Georgia | 2 | $ 1,200,000 | $ 600,000 | $ 177,000 |
| Richmond, Georgia | 2 | $ 340,000 | $ 170,000 | $ 76,000 |
| Carroll, Maryland | 2 | $ 840,000 | $ 420,000 | $ 96,000 |
| Harford, Maryland | 2 | $ 750,000 | $ 375,000 | $ 94,000 |
| Camden, New Jersey | 2 | $ 770,000 | $ 385,000 | $ 79,000 |
| Shelby, Tennessee | 2 | $ 650,000 | $ 325,000 | $ 76,000 |
| Brazoria, Texas | 2 | $ 750,000 | $ 375,000 | $ 107,000 |
| Ellis, Texas | 2 | $ 770,000 | $ 385,000 | $ 126,000 |
| Hays, Texas | 2 | $ 610,000 | $ 305,000 | $ 202,000 |
| Pike, Alabama | 1 | $ 285,000 | $ 285,000 | $ 77,000 |
| Yavapai, Arizona | 1 | $ 305,000 | $ 305,000 | $ 162,000 |
| Yuma, Arizona | 1 | $ 205,000 | $ 205,000 | $ 39,000 |
| El Dorado, California | 1 | $ 965,000 | $ 965,000 | $ 293,000 |
| Merced, California | 1 | $ 255,000 | $ 255,000 | $ 56,000 |
| Monterey, California | 1 | $ 385,000 | $ 385,000 | $ 95,000 |
| Placer, California | 1 | $ 255,000 | $ 255,000 | $ 59,000 |
| Santa Cruz, California | 1 | $ 1,145,000 | $ 1,145,000 | $ 238,000 |
| Sonoma, California | 1 | $ 595,000 | $ 595,000 | $ 159,000 |
| Tulare, California | 1 | $ 175,000 | $ 175,000 | $ 78,000 |
| El Paso, Colorado | 1 | $ 305,000 | $ 305,000 | $ 57,000 |
| Litchfield, Connecticut | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| Citrus, Florida | 1 | $ 205,000 | $ 205,000 | $ 43,000 |
| Collier, Florida | 1 | $ 415,000 | $ 415,000 | $ 120,000 |
| Hernando, Florida | 1 | $ 485,000 | $ 485,000 | $ 190,000 |
| Marion, Florida | 1 | $ 215,000 | $ 215,000 | $ 96,000 |
| Osceola, Florida | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Seminole, Florida | 1 | $ 125,000 | $ 125,000 | $ 123,000 |
| Effingham, Georgia | 1 | $ 235,000 | $ 235,000 | $ 27,000 |
| Henry, Georgia | 1 | $ 415,000 | $ 415,000 | $ 97,000 |
| Walton, Georgia | 1 | $ 215,000 | $ 215,000 | $ 27,000 |
| DuPage, Illinois | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Lake, Illinois | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| McHenry, Illinois | 1 | $ 325,000 | $ 325,000 | $ 66,000 |
| Peoria, Illinois | 1 | $ 405,000 | $ 405,000 | $ 118,000 |
| Will, Illinois | 1 | $ 425,000 | $ 425,000 | $ 98,000 |
| East Baton Rouge, Louisiana | 1 | $ 155,000 | $ 155,000 | $ 70,000 |
| Jefferson, Louisiana | 1 | $ 225,000 | $ 225,000 | $ 143,000 |
| Morehouse, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Ouachita, Louisiana | 1 | $ 215,000 | $ 215,000 | $ 50,000 |
| St. Tammany, Louisiana | 1 | $ 175,000 | $ 175,000 | $ 61,000 |
| Terrebonne, Louisiana | 1 | $ 195,000 | $ 195,000 | $ 47,000 |
| Calvert, Maryland | 1 | $ 225,000 | $ 225,000 | $ 69,000 |
| Charles, Maryland | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Queen Anne's, Maryland | 1 | $ 525,000 | $ 525,000 | $ 113,000 |
| Essex, New Jersey | 1 | $ 455,000 | $ 455,000 | $ 116,000 |
| Passaic, New Jersey | 1 | $ 375,000 | $ 375,000 | $ 414,000 |
| Sussex, New Jersey | 1 | $ 635,000 | $ 635,000 | $ 190,000 |
| Edgecombe, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Mecklenburg, North Carolina | 1 | $ 355,000 | $ 355,000 | $ 223,000 |
| Mahoning, Ohio | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Wagoner, Oklahoma | 1 | $ 355,000 | $ 355,000 | $ 126,000 |
| Delaware, Pennsylvania | 1 | $ 425,000 | $ 425,000 | $ 114,000 |
| Collin, Texas | 1 | $ 445,000 | $ 445,000 | $ 134,000 |
| Gregg, Texas | 1 | $ 215,000 | $ 215,000 | $ 130,000 |
| Hidalgo, Texas | 1 | $ 285,000 | $ 285,000 | $ 87,000 |
| Johnson, Texas | 1 | $ 445,000 | $ 445,000 | $ 110,000 |
| Panola, Texas | 1 | $ 145,000 | $ 145,000 | $ 76,000 |
| Rockwall, Texas | 1 | $ 315,000 | $ 315,000 | $ 67,000 |
| Waller, Texas | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Williamson, Texas | 1 | $ 375,000 | $ 375,000 | $ 113,000 |
| Culpeper, Virginia | 1 | $ 495,000 | $ 495,000 | $ 100,000 |
| Fauquier, Virginia | 1 | $ 275,000 | $ 275,000 | $ 45,000 |
| Newport News, Virginia | 1 | $ 275,000 | $ 275,000 | $ 62,000 |
| Spotsylvania, Virginia | 1 | $ 275,000 | $ 275,000 | $ 115,000 |
| Staunton, Virginia | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for R M K Financial Corp. in 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 906 | $403,900,000 | $445,000 | $2,005,000 | $130,000 | $5,842,000 |
| Cash-out Refinancing | 238 | $94,960,000 | $398,000 | $1,025,000 | $119,000 | $626,000 |
| Refinancing | 77 | $37,365,000 | $485,000 | $3,005,000 | $167,000 | $2,148,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 496 | $217,280,000 | $438,000 | $1,505,000 | $118,000 | $2,148,000 |
| Asian | 222 | $87,540,000 | $394,000 | $2,005,000 | $123,000 | $1,802,000 |
| Not Provided | 190 | $88,900,000 | $467,000 | $1,505,000 | $148,000 | $2,700,000 |
| White | 158 | $85,420,000 | $540,000 | $3,005,000 | $179,000 | $5,842,000 |
| Black or African American | 155 | $57,085,000 | $368,000 | $1,575,000 | $109,000 | $517,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 797 | $346,375,000 | $434,000 | $1,225,000 | $109,000 | $528,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 418 | $186,340,000 | $445,000 | $3,005,000 | $170,000 | $5,842,000 |
| VA-guaranteed (Veterans Administration) | 6 | $3,510,000 | $585,000 | $985,000 | $180,000 | $252,000 |
| 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 | 1,022 | $453,580,000 | $443,000 | $3,005,000 | $134,000 | $5,842,000 |
| Application Denied By Financial Institution | 147 | $63,685,000 | $433,000 | $1,575,000 | $115,000 | $468,000 |
| Application Withdrawn By Applicant | 52 | $18,960,000 | $364,000 | $925,000 | $108,000 | $314,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,074 | $472,540,000 | $439,000 | $3,005,000 | $132,000 | $5,842,000 |
| Debt-To-Income Ratio | 34 | $15,220,000 | $447,000 | $1,225,000 | $91,000 | $193,000 |
| Credit History | 32 | $11,700,000 | $365,000 | $985,000 | $111,000 | $381,000 |
| Employment History | 24 | $11,830,000 | $492,000 | $1,575,000 | $140,000 | $468,000 |
| Collateral | 23 | $9,905,000 | $430,000 | $835,000 | $115,000 | $414,000 |
| Unverifiable Information | 20 | $10,170,000 | $508,000 | $1,205,000 | $135,000 | $344,000 |
| Other | 13 | $4,225,000 | $325,000 | $705,000 | $101,000 | $197,000 |
| Mortgage Insurance Denied | 1 | $635,000 | $635,000 | $635,000 | $185,000 | $185,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into R M K Financial Corp.'s 2022 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 R M K Financial Corp.'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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