R.H. Lending, Inc. Mortgage Lending & HMDA Data, 2010
In 2010, R.H. Lending, Inc. of Colleyville, TX reported 496 mortgage applications totaling $53.8 million. The average application was for $108,463, and applicants reported an average income of $45,024. 81% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Fort Worth-Arlington, TX (53), Dallas-Plano-Irving, TX (35) and Amarillo, TX (23) (applications in parentheses).
| Mortgage Company & Address | R.H. Lending, Inc. 6209 Colleyville Blvd. Colleyville, TX 76034 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 496 |
| Total Mortgage Loan Application Amount | $53,798,000 |
| Average Mortgage Loan Application Amount | $108,463 |
| Highest Mortgage Loan Application Amount | $275,000 |
| Average Applicant Income | $45,024 |
| Highest Applicant Income | $134,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records R.H. Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Fort Worth-Arlington, TX | 53 | $ 5,064,000 | $ 95,547 | $ 44,000 |
| Dallas-Plano-Irving, TX | 35 | $ 3,859,000 | $ 110,257 | $ 46,000 |
| Amarillo, TX | 23 | $ 2,413,000 | $ 104,913 | $ 39,000 |
| Houston-Sugar Land-Baytown, TX | 21 | $ 2,472,000 | $ 117,714 | $ 51,000 |
| Columbia, SC | 11 | $ 924,000 | $ 84,000 | $ 31,000 |
| Hinesville-Fort Stewart, GA | 10 | $ 1,116,000 | $ 111,600 | $ 53,000 |
| Mobile, AL | 10 | $ 876,000 | $ 87,600 | $ 41,000 |
| San Antonio-New Braunfels, TX | 9 | $ 980,000 | $ 108,888 | $ 49,000 |
| Tulsa, OK | 8 | $ 902,000 | $ 112,750 | $ 45,000 |
| Abilene, TX | 7 | $ 590,000 | $ 84,285 | $ 34,000 |
| Longview, TX | 7 | $ 756,000 | $ 108,000 | $ 35,000 |
| Shreveport-Bossier City, LA | 7 | $ 775,000 | $ 110,714 | $ 54,000 |
| Lafayette, LA | 6 | $ 732,000 | $ 122,000 | $ 51,000 |
| Charleston, WV | 5 | $ 586,000 | $ 117,200 | $ 44,000 |
| Little Rock-North Little Rock-Conway, AR | 5 | $ 517,000 | $ 103,400 | $ 15,000 |
| Texarkana, Tx-Texarkana, AR | 5 | $ 517,000 | $ 103,400 | $ 37,400 |
| Augusta-Richmond County, GA-SC | 4 | $ 517,000 | $ 129,250 | $ 46,750 |
| Brunswick, GA | 4 | $ 381,000 | $ 95,250 | $ 51,000 |
| Jackson, MS | 4 | $ 403,000 | $ 100,750 | $ 56,000 |
| Macon, GA | 4 | $ 327,000 | $ 81,750 | $ 38,000 |
| Tyler, TX | 4 | $ 386,000 | $ 96,500 | $ 51,000 |
| Victoria, TX | 4 | $ 450,000 | $ 112,500 | $ 41,000 |
| Baton Rouge, LA | 3 | $ 386,000 | $ 128,666 | $ 17,000 |
| Greenville-Mauldin-Easley, SC | 3 | $ 271,000 | $ 90,333 | $ 39,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 309,000 | $ 103,000 | $ 53,000 |
| Memphis, TN-MS-AR | 3 | $ 347,000 | $ 115,666 | $ 61,666 |
| Midland, TX | 3 | $ 569,000 | $ 189,666 | $ 77,000 |
| Oklahoma City, OK | 3 | $ 347,000 | $ 115,666 | $ 53,000 |
| Savannah, GA | 3 | $ 350,000 | $ 116,666 | $ 49,000 |
| Tallahassee, FL | 3 | $ 408,000 | $ 136,000 | $ 53,000 |
| Dothan, AL | 2 | $ 165,000 | $ 82,500 | $ 40,000 |
| Florence, SC | 2 | $ 335,000 | $ 167,500 | $ 60,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 260,000 | $ 130,000 | $ 45,000 |
| Lubbock, TX | 2 | $ 289,000 | $ 144,500 | $ 31,000 |
| Monroe, LA | 2 | $ 238,000 | $ 119,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 281,000 | $ 140,500 | $ 88,000 |
| Odessa, TX | 2 | $ 258,000 | $ 129,000 | $ 34,000 |
| Alexandria, LA | 1 | $ 102,000 | $ 102,000 | $ 41,000 |
| Anderson, SC | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Anniston-Oxford, AL | 1 | $ 111,000 | $ 111,000 | $ 41,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 88,000 | $ 88,000 | $ 32,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Birmingham-Hoover, AL | 1 | $ 94,000 | $ 94,000 | $ 34,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 98,000 | $ 98,000 | $ 29,000 |
| Chattanooga, TN-GA | 1 | $ 76,000 | $ 76,000 | $ 73,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 108,000 | $ 108,000 | $ 37,000 |
| Cleveland, TN | 1 | $ 99,000 | $ 99,000 | $ 80,000 |
| El Paso, TX | 1 | $ 166,000 | $ 166,000 | $ 69,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 102,000 | $ 102,000 | $ 44,000 |
| Gulfport-Biloxi, MS | 1 | $ 61,000 | $ 61,000 | $ 22,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 173,000 | $ 173,000 | $ 68,000 |
| Jackson, TN | 1 | $ 87,000 | $ 87,000 | $ 29,000 |
| Lake Charles, LA | 1 | $ 116,000 | $ 116,000 | $ 107,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 168,000 | $ 168,000 | $ 77,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 206,000 | $ 206,000 | $ 84,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 189,000 | $ 189,000 | $ 58,000 |
| Pascagoula, MS | 1 | $ 91,000 | $ 91,000 | $ 76,000 |
| San Angelo, TX | 1 | $ 78,000 | $ 78,000 | $ 21,000 |
| Sherman-Denison, TX | 1 | $ 96,000 | $ 96,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for R.H. Lending, Inc. in 2010
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 | 438 | $47,147,000 | $107,000 | $275,000 | $49,000 | $128,000 |
| Refinancing | 58 | $6,651,000 | $114,000 | $179,000 | $15,000 | $134,000 |
| 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 | 346 | $37,871,000 | $109,000 | $275,000 | $45,000 | $134,000 |
| Black or African American | 85 | $9,062,000 | $106,000 | $206,000 | $43,000 | $110,000 |
| Hispanic | 45 | $4,815,000 | $107,000 | $198,000 | $44,000 | $86,000 |
| Not Provided | 18 | $1,884,000 | $104,000 | $167,000 | $44,000 | $96,000 |
| Asian | 2 | $166,000 | $83,000 | $87,000 | $32,000 | $33,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 494 | $53,549,000 | $108,000 | $275,000 | $45,000 | $134,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2 | $249,000 | $124,000 | $130,000 | $68,000 | $79,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 400 | $43,333,000 | $108,000 | $275,000 | $44,000 | $134,000 |
| File Closed For Incompleteness | 67 | $7,184,000 | $107,000 | $176,000 | $47,000 | $112,000 |
| Application Denied By Financial Institution | 29 | $3,281,000 | $113,000 | $169,000 | $46,000 | $108,000 |
| Application Withdrawn By Applicant | 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 |
|---|---|---|---|---|---|---|
| Credit History | 18 | $1,978,000 | $109,000 | $157,000 | $48,000 | $76,000 |
| Debt-To-Income Ratio | 3 | $435,000 | $145,000 | $169,000 | $67,000 | $108,000 |
| Collateral | 3 | $335,000 | $111,000 | $124,000 | $39,000 | $52,000 |
| Credit Application Incomplete | 2 | $226,000 | $113,000 | $117,000 | $39,000 | $45,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $209,000 | $104,000 | $142,000 | $33,000 | $49,000 |
| Other | 1 | $98,000 | $98,000 | $98,000 | $24,000 | $24,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into R.H. Lending, Inc.'s 2010 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.H. Lending, Inc.'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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