Nations Reliable Lending, LLC Mortgage Lending & HMDA Data, 2016
In 2016, Nations Reliable Lending, LLC of Houston, TX reported 6,903 mortgage applications totaling $1.8 billion, up 51% from 2015. The average application was for $267,111, and applicants reported an average income of $85,591. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (2,561), Cincinnati, OH-KY-IN (596) and Austin-Round Rock, TX (537) (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 | 6,903 |
| Total Mortgage Loan Application Amount | $1,843,872,000 |
| Average Mortgage Loan Application Amount | $267,111 |
| Highest Mortgage Loan Application Amount | $85,000,000 |
| Average Applicant Income | $85,591 |
| Highest Applicant Income | $1,860,000 |
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records Nations Reliable Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,561 | $ 508,387,000 | $ 198,511 | $ 94,000 |
| Cincinnati, OH-KY-IN | 596 | $ 95,610,000 | $ 160,419 | $ 68,478 |
| Austin-Round Rock, TX | 537 | $ 128,967,000 | $ 240,162 | $ 104,000 |
| San Antonio-New Braunfels, TX | 277 | $ 54,184,000 | $ 195,610 | $ 83,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 235 | $ 44,167,000 | $ 187,944 | $ 71,340 |
| Amarillo, TX | 165 | $ 30,145,000 | $ 182,696 | $ 89,000 |
| St. Louis, MO-IL | 160 | $ 29,455,000 | $ 184,093 | $ 87,731 |
| Chicago-Naperville-Arlington Heights, IL | 158 | $ 35,993,000 | $ 227,803 | $ 80,000 |
| Dallas-Plano-Irving, TX | 155 | $ 29,169,000 | $ 188,187 | $ 84,000 |
| Homosassa Springs, FL | 143 | $ 18,650,000 | $ 130,419 | $ 72,000 |
| Fort Worth-Arlington, TX | 128 | $ 22,027,000 | $ 172,085 | $ 84,000 |
| New Orleans-Metairie, LA | 100 | $ 20,126,000 | $ 201,260 | $ 86,000 |
| Denver-Aurora-Lakewood, CO | 81 | $ 21,055,000 | $ 259,938 | $ 95,000 |
| Baltimore-Columbia-Towson, MD | 70 | $ 18,906,000 | $ 270,085 | $ 101,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 67 | $ 16,989,000 | $ 253,567 | $ 78,761 |
| Corpus Christi, TX | 64 | $ 9,697,000 | $ 151,515 | $ 65,000 |
| Odessa, TX | 58 | $ 8,928,000 | $ 153,931 | $ 66,000 |
| Ocala, FL | 56 | $ 7,352,000 | $ 131,285 | $ 58,000 |
| Naples-Immokalee-Marco Island, FL | 52 | $ 16,351,000 | $ 314,442 | $ 180,000 |
| Dayton, OH | 38 | $ 5,325,000 | $ 140,131 | $ 63,000 |
| Victoria, TX | 36 | $ 6,050,000 | $ 168,055 | $ 61,000 |
| Hartford-West Hartford-East Hartford, CT | 35 | $ 6,130,000 | $ 175,142 | $ 70,000 |
| Oklahoma City, OK | 22 | $ 3,965,000 | $ 180,227 | $ 73,000 |
| Silver Spring-Frederick-Rockville, MD | 22 | $ 6,936,000 | $ 315,272 | $ 81,000 |
| Killeen-Temple, TX | 21 | $ 2,883,000 | $ 137,285 | $ 63,000 |
| New Haven-Milford, CT | 21 | $ 2,949,000 | $ 140,428 | $ 66,000 |
| Midland, TX | 16 | $ 2,984,000 | $ 186,500 | $ 67,000 |
| Baton Rouge, LA | 13 | $ 1,967,000 | $ 151,307 | $ 52,000 |
| Beaumont-Port Arthur, TX | 12 | $ 1,762,000 | $ 146,833 | $ 62,000 |
| Orlando-Kissimmee-Sanford, FL | 10 | $ 1,461,000 | $ 146,100 | $ 72,000 |
| Greeley, CO | 8 | $ 2,019,000 | $ 252,375 | $ 102,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 1,533,000 | $ 191,625 | $ 103,000 |
| The Villages, FL | 8 | $ 1,484,000 | $ 185,500 | $ 57,000 |
| Cleveland-Elyria, OH | 7 | $ 1,103,000 | $ 157,571 | $ 34,000 |
| Montgomery, AL | 7 | $ 733,000 | $ 104,714 | $ 43,000 |
| Springfield, MO | 7 | $ 1,185,000 | $ 169,285 | $ 90,000 |
| Tulsa, OK | 7 | $ 893,000 | $ 127,571 | $ 68,000 |
| McAllen-Edinburg-Mission, TX | 6 | $ 646,000 | $ 107,666 | $ 40,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 1,421,000 | $ 236,833 | $ 88,000 |
| Worcester, MA-CT | 6 | $ 874,000 | $ 145,666 | $ 54,000 |
| Akron, OH | 5 | $ 589,000 | $ 117,800 | $ 63,000 |
| Brownsville-Harlingen, TX | 5 | $ 633,000 | $ 126,600 | $ 128,000 |
| College Station-Bryan, TX | 5 | $ 675,000 | $ 135,000 | $ 48,000 |
| Colorado Springs, CO | 5 | $ 1,005,000 | $ 201,000 | $ 58,000 |
| Waco, TX | 5 | $ 1,025,000 | $ 205,000 | $ 93,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 954,000 | $ 238,500 | $ 130,000 |
| Columbus, OH | 4 | $ 877,000 | $ 219,250 | $ 56,000 |
| Gainesville, FL | 4 | $ 658,000 | $ 164,500 | $ 95,000 |
| Kansas City, MO-KS | 4 | $ 733,000 | $ 183,250 | $ 83,500 |
| Knoxville, TN | 4 | $ 740,000 | $ 185,000 | $ 64,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 478,000 | $ 159,333 | $ 74,000 |
| Laredo, TX | 3 | $ 507,000 | $ 169,000 | $ 71,000 |
| Longview, TX | 3 | $ 311,000 | $ 103,666 | $ 74,000 |
| Mansfield, OH | 3 | $ 391,000 | $ 130,333 | $ 53,000 |
| Salisbury, MD-DE | 3 | $ 589,000 | $ 196,333 | $ 59,333 |
| Tyler, TX | 3 | $ 447,000 | $ 149,000 | $ 58,000 |
| Wichita, KS | 3 | $ 483,000 | $ 161,000 | $ 72,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 256,000 | $ 85,333 | $ 35,000 |
| Abilene, TX | 2 | $ 208,000 | $ 104,000 | $ 189,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 349,000 | $ 174,500 | $ 41,000 |
| Canton-Massillon, OH | 2 | $ 429,000 | $ 214,500 | $ 75,000 |
| Cape Girardeau, MO-IL | 2 | $ 368,000 | $ 184,000 | $ 73,000 |
| Elgin, IL | 2 | $ 490,000 | $ 245,000 | $ 92,000 |
| Gary, IN | 2 | $ 510,000 | $ 255,000 | $ 85,000 |
| Norwich-New London, CT | 2 | $ 316,000 | $ 158,000 | $ 36,000 |
| San Diego-Carlsbad, CA | 2 | $ 942,000 | $ 471,000 | $ 127,000 |
| Santa Rosa, CA | 2 | $ 539,000 | $ 269,500 | $ 320,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 710,000 | $ 355,000 | $ 99,000 |
| Sherman-Denison, TX | 2 | $ 213,000 | $ 106,500 | $ 49,000 |
| Springfield, OH | 2 | $ 346,000 | $ 173,000 | $ 82,000 |
| St. Cloud, MN | 2 | $ 105,000 | $ 52,500 | $ 55,000 |
| Toledo, OH | 2 | $ 225,000 | $ 112,500 | $ 60,000 |
| Bowling Green, KY | 1 | $ 122,000 | $ 122,000 | $ 108,000 |
| Carbondale-Marion, IL | 1 | $ 520,000 | $ 520,000 | $ 729,000 |
| Columbia, MO | 1 | $ 97,000 | $ 97,000 | $ 23,000 |
| Elkhart-Goshen, IN | 1 | $ 223,000 | $ 223,000 | $ 133,000 |
| Eugene, OR | 1 | $ 376,000 | $ 376,000 | $ 144,000 |
| Fargo, ND-MN | 1 | $ 228,000 | $ 228,000 | $ 73,000 |
| Farmington, NM | 1 | $ 90,000 | $ 90,000 | $ 123,000 |
| Fort Collins, CO | 1 | $ 270,000 | $ 270,000 | $ 91,000 |
| Jackson, TN | 1 | $ 126,000 | $ 126,000 | $ 60,000 |
| Jefferson City, MO | 1 | $ 248,000 | $ 248,000 | $ 138,000 |
| Kalamazoo-Portage, MI | 1 | $ 230,000 | $ 230,000 | $ 236,000 |
| Lake Charles, LA | 1 | $ 64,000 | $ 64,000 | $ 140,000 |
| Lexington-Fayette, KY | 1 | $ 186,000 | $ 186,000 | $ 57,000 |
| Lima, OH | 1 | $ 80,000 | $ 80,000 | $ 26,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 410,000 | $ 410,000 | $ 120,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 178,000 | $ 178,000 | $ 72,000 |
| Lubbock, TX | 1 | $ 84,000 | $ 84,000 | $ 30,000 |
| Memphis, TN-MS-AR | 1 | $ 301,000 | $ 301,000 | $ 119,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 164,000 | $ 164,000 | $ 59,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 128,000 | $ 128,000 | $ 135,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 183,000 | $ 183,000 | $ 5,000 |
| Olympia-Tumwater, WA | 1 | $ 285,000 | $ 285,000 | $ 189,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 214,000 | $ 214,000 | $ 115,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 367,000 | $ 367,000 | $ 135,000 |
| Richmond, VA | 1 | $ 157,000 | $ 157,000 | $ 57,000 |
| San Angelo, TX | 1 | $ 94,000 | $ 94,000 | $ 60,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 712,000 | $ 712,000 | $ 104,000 |
| Savannah, GA | 1 | $ 62,000 | $ 62,000 | $ 32,000 |
| Sebastian-Vero Beach, FL | 1 | $ 257,000 | $ 257,000 | $ 264,000 |
| Shreveport-Bossier City, LA | 1 | $ 126,000 | $ 126,000 | $ 60,000 |
| Vallejo-Fairfield, CA | 1 | $ 431,000 | $ 431,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 276,000 | $ 276,000 | $ 175,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 165,000 | $ 165,000 | $ 51,000 |
| Wilmington, DE-MD-NJ | 1 | $ 236,000 | $ 236,000 | $ 152,000 |
Mortgage Loan Application Detail Totals for Nations Reliable Lending, LLC in 2016
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 | 5,785 | $1,606,151,000 | $277,000 | $85,000,000 | $83,000 | $1,610,000 |
| Refinancing | 1,118 | $237,721,000 | $212,000 | $970,000 | $99,000 | $1,860,000 |
| 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 | 3,776 | $981,971,000 | $260,000 | $85,000,000 | $91,000 | $1,610,000 |
| Hispanic | 1,514 | $383,623,000 | $253,000 | $85,000,000 | $70,000 | $558,000 |
| Black or African American | 752 | $301,450,000 | $400,000 | $83,000,000 | $73,000 | $413,000 |
| Not Provided | 584 | $112,266,000 | $192,000 | $970,000 | $93,000 | $1,860,000 |
| Asian | 210 | $50,263,000 | $239,000 | $1,760,000 | $115,000 | $1,237,000 |
| Native Hawaiin or Other Pacific Islander | 25 | $5,274,000 | $210,000 | $399,000 | $87,000 | $183,000 |
| American Indian or Alaskan Native | 24 | $5,342,000 | $222,000 | $417,000 | $100,000 | $357,000 |
| Not applicable | 18 | $3,683,000 | $204,000 | $357,000 | $73,000 | $163,000 |
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) | 3,316 | $1,049,174,000 | $316,000 | $85,000,000 | $66,000 | $727,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,897 | $654,717,000 | $225,000 | $39,000,000 | $111,000 | $1,860,000 |
| VA-guaranteed (Veterans Administration) | 519 | $115,496,000 | $222,000 | $741,000 | $75,000 | $254,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 171 | $24,485,000 | $143,000 | $292,000 | $51,000 | $113,000 |
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 | 5,454 | $1,063,796,000 | $195,000 | $1,200,000 | $88,000 | $1,196,000 |
| Application Withdrawn By Applicant | 829 | $196,467,000 | $236,000 | $39,000,000 | $88,000 | $1,860,000 |
| Application Denied By Financial Institution | 435 | $549,014,000 | $1,262,000 | $85,000,000 | $53,000 | $972,000 |
| File Closed For Incompleteness | 151 | $28,446,000 | $188,000 | $970,000 | $82,000 | $1,610,000 |
| Application Approved But Not Accepted | 34 | $6,149,000 | $180,000 | $640,000 | $81,000 | $268,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 204 | $427,107,000 | $2,093,000 | $85,000,000 | $46,000 | $972,000 |
| Debt-To-Income Ratio | 150 | $109,240,000 | $728,000 | $85,000,000 | $56,000 | $366,000 |
| Other | 23 | $4,433,000 | $192,000 | $529,000 | $81,000 | $270,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $2,280,000 | $134,000 | $264,000 | $48,000 | $123,000 |
| Employment History | 14 | $1,543,000 | $110,000 | $295,000 | $43,000 | $154,000 |
| Collateral | 11 | $1,686,000 | $153,000 | $467,000 | $78,000 | $194,000 |
| Unverifiable Information | 8 | $1,490,000 | $186,000 | $244,000 | $68,000 | $98,000 |
| Credit Application Incomplete | 1 | $52,000 | $52,000 | $52,000 | $64,000 | $64,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nations Reliable Lending, LLC's 2016 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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