Nations Reliable Lending, LLC Mortgage Lending & HMDA Data, 2015
In 2015, Nations Reliable Lending, LLC of Houston, TX reported 4,576 mortgage applications totaling $871.8 million, up 94% from 2014. The average application was for $190,519, and applicants reported an average income of $85,196. 78% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (2,068), Austin-Round Rock, TX (363) and Cincinnati, OH-KY-IN (342) (applications in parentheses).
| Mortgage Company & Address | Nations Reliable Lending, LLC Houston, TX 77057 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 4,576 |
| Total Mortgage Loan Application Amount | $871,817,000 |
| Average Mortgage Loan Application Amount | $190,519 |
| Highest Mortgage Loan Application Amount | $1,348,000 |
| Average Applicant Income | $85,196 |
| Highest Applicant Income | $1,680,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Nations Reliable Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 2,068 | $ 392,972,000 | $ 190,025 | $ 90,000 |
| Austin-Round Rock, TX | 363 | $ 80,341,000 | $ 221,325 | $ 95,000 |
| Cincinnati, OH-KY-IN | 342 | $ 57,027,000 | $ 166,745 | $ 69,602 |
| San Antonio-New Braunfels, TX | 266 | $ 53,917,000 | $ 202,695 | $ 91,000 |
| Chicago-Naperville-Arlington Heights, IL | 150 | $ 33,987,000 | $ 226,580 | $ 81,000 |
| Corpus Christi, TX | 143 | $ 20,870,000 | $ 145,944 | $ 65,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 125 | $ 24,661,000 | $ 197,288 | $ 78,000 |
| Amarillo, TX | 109 | $ 20,252,000 | $ 185,798 | $ 79,000 |
| Dallas-Plano-Irving, TX | 87 | $ 17,057,000 | $ 196,057 | $ 80,000 |
| Dayton, OH | 73 | $ 12,073,000 | $ 165,383 | $ 75,000 |
| St. Louis, MO-IL | 72 | $ 13,382,000 | $ 185,861 | $ 80,083 |
| Denver-Aurora-Lakewood, CO | 55 | $ 14,353,000 | $ 260,963 | $ 90,000 |
| Fort Worth-Arlington, TX | 46 | $ 9,103,000 | $ 197,891 | $ 89,000 |
| Oklahoma City, OK | 43 | $ 6,912,000 | $ 160,744 | $ 77,000 |
| Baton Rouge, LA | 32 | $ 4,975,000 | $ 155,468 | $ 61,000 |
| Columbus, OH | 29 | $ 4,771,000 | $ 164,517 | $ 78,000 |
| Victoria, TX | 25 | $ 3,854,000 | $ 154,160 | $ 68,000 |
| New Orleans-Metairie, LA | 19 | $ 3,663,000 | $ 192,789 | $ 79,000 |
| Cleveland-Elyria, OH | 16 | $ 2,145,000 | $ 134,062 | $ 53,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 16 | $ 4,515,000 | $ 282,187 | $ 83,125 |
| Atlanta-Sandy Springs-Roswell, GA | 14 | $ 2,102,000 | $ 150,142 | $ 53,000 |
| Baltimore-Columbia-Towson, MD | 13 | $ 3,722,000 | $ 286,307 | $ 77,000 |
| Hartford-West Hartford-East Hartford, CT | 12 | $ 2,795,000 | $ 232,916 | $ 58,000 |
| Killeen-Temple, TX | 11 | $ 1,669,000 | $ 151,727 | $ 73,000 |
| Farmington, NM | 10 | $ 1,987,000 | $ 198,700 | $ 107,000 |
| Beaumont-Port Arthur, TX | 9 | $ 1,196,000 | $ 132,888 | $ 63,000 |
| Knoxville, TN | 9 | $ 1,083,000 | $ 120,333 | $ 77,000 |
| McAllen-Edinburg-Mission, TX | 9 | $ 1,419,000 | $ 157,666 | $ 71,000 |
| Midland, TX | 8 | $ 1,347,000 | $ 168,375 | $ 52,000 |
| Odessa, TX | 8 | $ 1,001,000 | $ 125,125 | $ 64,000 |
| Riverside-San Bernardino-Ontario, CA | 8 | $ 2,567,000 | $ 320,875 | $ 76,000 |
| Greeley, CO | 7 | $ 1,085,000 | $ 155,000 | $ 85,000 |
| Lexington-Fayette, KY | 7 | $ 1,115,000 | $ 159,285 | $ 55,000 |
| Hammond, LA | 6 | $ 909,000 | $ 151,500 | $ 62,000 |
| Laredo, TX | 6 | $ 1,255,000 | $ 209,166 | $ 118,000 |
| Olympia-Tumwater, WA | 6 | $ 1,300,000 | $ 216,666 | $ 64,000 |
| Silver Spring-Frederick-Rockville, MD | 5 | $ 1,125,000 | $ 225,000 | $ 64,000 |
| Tyler, TX | 5 | $ 594,000 | $ 118,800 | $ 53,000 |
| Tacoma-Lakewood, WA | 4 | $ 1,023,000 | $ 255,750 | $ 77,000 |
| Boulder, CO | 3 | $ 706,000 | $ 235,333 | $ 51,000 |
| Homosassa Springs, FL | 3 | $ 408,000 | $ 136,000 | $ 58,000 |
| San Diego-Carlsbad, CA | 3 | $ 1,668,000 | $ 556,000 | $ 102,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 1,162,000 | $ 387,333 | $ 220,000 |
| Sherman-Denison, TX | 3 | $ 348,000 | $ 116,000 | $ 47,000 |
| Springfield, OH | 3 | $ 447,000 | $ 149,000 | $ 71,000 |
| Tulsa, OK | 3 | $ 410,000 | $ 136,666 | $ 81,000 |
| Worcester, MA-CT | 3 | $ 344,000 | $ 114,666 | $ 82,000 |
| Akron, OH | 2 | $ 312,000 | $ 156,000 | $ 78,000 |
| Des Moines-West Des Moines, IA | 2 | $ 366,000 | $ 183,000 | $ 115,000 |
| Fort Collins, CO | 2 | $ 519,000 | $ 259,500 | $ 93,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 269,000 | $ 134,500 | $ 53,000 |
| Lafayette, LA | 2 | $ 284,000 | $ 142,000 | $ 122,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 999,000 | $ 499,500 | $ 118,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 193,000 | $ 96,500 | $ 42,000 |
| Mansfield, OH | 2 | $ 255,000 | $ 127,500 | $ 107,000 |
| Montgomery, AL | 2 | $ 255,000 | $ 127,500 | $ 44,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 500,000 | $ 250,000 | $ 81,500 |
| Toledo, OH | 2 | $ 188,000 | $ 94,000 | $ 65,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 663,000 | $ 331,500 | $ 206,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 417,000 | $ 417,000 | $ 140,000 |
| Bellingham, WA | 1 | $ 372,000 | $ 372,000 | $ 105,000 |
| Bremerton-Silverdale, WA | 1 | $ 160,000 | $ 160,000 | $ 63,000 |
| Brownsville-Harlingen, TX | 1 | $ 185,000 | $ 185,000 | $ 71,000 |
| California-Lexington Park, MD | 1 | $ 337,000 | $ 337,000 | $ 144,000 |
| Champaign-Urbana, IL | 1 | $ 62,000 | $ 62,000 | $ 45,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 80,000 | $ 80,000 | $ 197,000 |
| College Station-Bryan, TX | 1 | $ 184,000 | $ 184,000 | $ 120,000 |
| Columbia, MO | 1 | $ 261,000 | $ 261,000 | $ 95,000 |
| Decatur, IL | 1 | $ 66,000 | $ 66,000 | $ 111,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 106,000 | $ 106,000 | $ 95,000 |
| Duluth, MN-WI | 1 | $ 160,000 | $ 160,000 | $ 55,000 |
| Elgin, IL | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Flint, MI | 1 | $ 282,000 | $ 282,000 | $ 108,000 |
| Jackson, TN | 1 | $ 257,000 | $ 257,000 | $ 51,000 |
| Kansas City, MO-KS | 1 | $ 186,000 | $ 186,000 | $ 83,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 330,000 | $ 330,000 | $ 97,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 417,000 | $ 417,000 | $ 228,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 240,000 | $ 240,000 | $ 79,000 |
| New Haven-Milford, CT | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| Norwich-New London, CT | 1 | $ 187,000 | $ 187,000 | $ 42,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 305,000 | $ 305,000 | $ 90,000 |
| Shreveport-Bossier City, LA | 1 | $ 116,000 | $ 116,000 | $ 58,000 |
| St. Cloud, MN | 1 | $ 161,000 | $ 161,000 | $ 75,000 |
| Tucson, AZ | 1 | $ 167,000 | $ 167,000 | $ 95,000 |
| Waco, TX | 1 | $ 174,000 | $ 174,000 | $ 191,000 |
| Wausau, WI | 1 | $ 129,000 | $ 129,000 | $ 100,000 |
| Wichita Falls, TX | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Nations Reliable Lending, LLC in 2015
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 | 3,571 | $667,838,000 | $187,000 | $1,348,000 | $83,000 | $1,516,000 |
| Refinancing | 1,005 | $203,979,000 | $202,000 | $759,000 | $93,000 | $1,680,000 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| White | 2,357 | $473,775,000 | $201,000 | $1,348,000 | $94,000 | $1,680,000 |
| Hispanic | 1,164 | $193,059,000 | $165,000 | $546,000 | $70,000 | $476,000 |
| Black or African American | 529 | $96,907,000 | $183,000 | $576,000 | $74,000 | $294,000 |
| Not Provided | 324 | $64,217,000 | $198,000 | $910,000 | $89,000 | $408,000 |
| Asian | 144 | $31,473,000 | $218,000 | $1,032,000 | $99,000 | $474,000 |
| Not applicable | 25 | $5,842,000 | $233,000 | $340,000 | $74,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $3,849,000 | $192,000 | $583,000 | $88,000 | $211,000 |
| American Indian or Alaskan Native | 13 | $2,695,000 | $207,000 | $410,000 | $91,000 | $248,000 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 2,378 | $397,759,000 | $167,000 | $576,000 | $67,000 | $476,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,759 | $382,375,000 | $217,000 | $1,348,000 | $112,000 | $1,680,000 |
| VA-guaranteed (Veterans Administration) | 380 | $83,106,000 | $218,000 | $730,000 | $76,000 | $275,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 59 | $8,577,000 | $145,000 | $271,000 | $51,000 | $102,000 |
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 | 3,583 | $688,279,000 | $192,000 | $1,348,000 | $86,000 | $1,516,000 |
| Application Withdrawn By Applicant | 725 | $133,880,000 | $184,000 | $1,032,000 | $79,000 | $600,000 |
| Application Denied By Financial Institution | 114 | $21,265,000 | $186,000 | $456,000 | $99,000 | $1,680,000 |
| Application Approved But Not Accepted | 80 | $14,628,000 | $182,000 | $506,000 | $70,000 | $237,000 |
| File Closed For Incompleteness | 71 | $13,060,000 | $183,000 | $910,000 | $72,000 | $403,000 |
| Preapproval Approved but not Accepted | 3 | $705,000 | $235,000 | $410,000 | $118,000 | $248,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 24 | $4,459,000 | $185,000 | $416,000 | $66,000 | $157,000 |
| Credit History | 16 | $3,949,000 | $246,000 | $415,000 | $104,000 | $212,000 |
| Employment History | 6 | $982,000 | $163,000 | $245,000 | $60,000 | $83,000 |
| Other | 6 | $972,000 | $162,000 | $263,000 | $128,000 | $408,000 |
| Collateral | 5 | $739,000 | $147,000 | $216,000 | $46,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $592,000 | $148,000 | $276,000 | $52,000 | $79,000 |
| Unverifiable Information | 1 | $81,000 | $81,000 | $81,000 | $46,000 | $46,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nations Reliable Lending, LLC's 2015 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 Nations Reliable Lending, 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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