R.H. Lending, Inc. Mortgage Lending & HMDA Data, 2011
In 2011, R.H. Lending, Inc. of Colleyville, TX reported 1,154 mortgage applications totaling $132.3 million, up 133% from 2010. The average application was for $114,641, and applicants reported an average income of $45,705. 77% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Dallas-Plano-Irving, TX (154), Fort Worth-Arlington, TX (131) and Amarillo, TX (47) (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 | 1,154 |
| Total Mortgage Loan Application Amount | $132,296,000 |
| Average Mortgage Loan Application Amount | $114,641 |
| Highest Mortgage Loan Application Amount | $730,000 |
| Average Applicant Income | $45,705 |
| Highest Applicant Income | $445,000 |
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Act (HMDA) records R.H. Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 154 | $ 20,039,000 | $ 130,123 | $ 53,000 |
| Fort Worth-Arlington, TX | 131 | $ 13,498,000 | $ 103,038 | $ 44,000 |
| Amarillo, TX | 47 | $ 4,916,000 | $ 104,595 | $ 41,000 |
| Houston-Sugar Land-Baytown, TX | 39 | $ 4,697,000 | $ 120,435 | $ 56,000 |
| Hinesville-Fort Stewart, GA | 32 | $ 3,504,000 | $ 109,500 | $ 47,000 |
| San Antonio-New Braunfels, TX | 32 | $ 3,780,000 | $ 118,125 | $ 43,000 |
| Longview, TX | 21 | $ 2,709,000 | $ 129,000 | $ 54,000 |
| Austin-Round Rock-San Marcos, TX | 20 | $ 2,532,000 | $ 126,600 | $ 28,000 |
| Mobile, AL | 19 | $ 1,723,000 | $ 90,684 | $ 41,000 |
| Atlanta-Sandy Springs-Marietta, GA | 18 | $ 2,265,000 | $ 125,833 | $ 47,000 |
| Lafayette, LA | 16 | $ 2,035,000 | $ 127,187 | $ 55,000 |
| Tulsa, OK | 14 | $ 1,767,000 | $ 126,214 | $ 35,000 |
| Oklahoma City, OK | 13 | $ 1,871,000 | $ 143,923 | $ 23,000 |
| Augusta-Richmond County, GA-SC | 11 | $ 1,152,000 | $ 104,727 | $ 34,545 |
| Midland, TX | 11 | $ 1,940,000 | $ 176,363 | $ 70,000 |
| Little Rock-North Little Rock-Conway, AR | 10 | $ 982,000 | $ 98,200 | $ 43,000 |
| Abilene, TX | 8 | $ 711,000 | $ 88,875 | $ 63,000 |
| Beaumont-Port Arthur, TX | 8 | $ 945,000 | $ 118,125 | $ 56,000 |
| Birmingham-Hoover, AL | 8 | $ 924,000 | $ 115,500 | $ 46,000 |
| Lake Charles, LA | 8 | $ 939,000 | $ 117,375 | $ 27,000 |
| Shreveport-Bossier City, LA | 8 | $ 883,000 | $ 110,375 | $ 47,000 |
| Tyler, TX | 8 | $ 847,000 | $ 105,875 | $ 42,000 |
| Texarkana, Tx-Texarkana, AR | 7 | $ 670,000 | $ 95,714 | $ 39,428 |
| Waco, TX | 7 | $ 781,000 | $ 111,571 | $ 54,000 |
| Columbia, SC | 6 | $ 562,000 | $ 93,666 | $ 42,000 |
| Florence, SC | 6 | $ 580,000 | $ 96,666 | $ 37,000 |
| Killeen-Temple-Fort Hood, TX | 6 | $ 590,000 | $ 98,333 | $ 39,000 |
| Victoria, TX | 6 | $ 606,000 | $ 101,000 | $ 59,000 |
| Baton Rouge, LA | 5 | $ 575,000 | $ 115,000 | $ 45,000 |
| Houma-Bayou Cane-Thibodaux, LA | 5 | $ 826,000 | $ 165,200 | $ 25,000 |
| Jackson, MS | 5 | $ 434,000 | $ 86,800 | $ 22,000 |
| Montgomery, AL | 5 | $ 463,000 | $ 92,600 | $ 26,000 |
| Savannah, GA | 5 | $ 460,000 | $ 92,000 | $ 32,000 |
| Spartanburg, SC | 5 | $ 428,000 | $ 85,600 | $ 44,000 |
| College Station-Bryan, TX | 4 | $ 354,000 | $ 88,500 | $ 37,000 |
| Hot Springs, AR | 4 | $ 485,000 | $ 121,250 | $ 37,000 |
| Monroe, LA | 4 | $ 661,000 | $ 165,250 | $ 61,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 387,000 | $ 96,750 | $ 37,000 |
| New Orleans-Metairie-Kenner, LA | 4 | $ 626,000 | $ 156,500 | $ 0 |
| Odessa, TX | 4 | $ 536,000 | $ 134,000 | $ 26,000 |
| Brunswick, GA | 3 | $ 288,000 | $ 96,000 | $ 41,000 |
| Greenville-Mauldin-Easley, SC | 3 | $ 279,000 | $ 93,000 | $ 43,000 |
| Huntsville, AL | 3 | $ 295,000 | $ 98,333 | $ 40,000 |
| Macon, GA | 3 | $ 248,000 | $ 82,666 | $ 33,000 |
| Alexandria, LA | 2 | $ 154,000 | $ 77,000 | $ 46,000 |
| Clarksville, TN-KY | 2 | $ 199,000 | $ 99,500 | $ 39,000 |
| Corpus Christi, TX | 2 | $ 288,000 | $ 144,000 | $ 17,000 |
| Evansville, IN-KY | 2 | $ 230,000 | $ 115,000 | $ 45,000 |
| Gulfport-Biloxi, MS | 2 | $ 138,000 | $ 69,000 | $ 20,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 254,000 | $ 127,000 | $ 47,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 213,000 | $ 106,500 | $ 44,000 |
| Memphis, TN-MS-AR | 2 | $ 210,000 | $ 105,000 | $ 39,000 |
| Pascagoula, MS | 2 | $ 212,000 | $ 106,000 | $ 64,000 |
| San Angelo, TX | 2 | $ 244,000 | $ 122,000 | $ 37,000 |
| Sherman-Denison, TX | 2 | $ 179,000 | $ 89,500 | $ 13,000 |
| Albany, GA | 1 | $ 102,000 | $ 102,000 | $ 32,000 |
| Anderson, SC | 1 | $ 136,000 | $ 136,000 | $ 53,000 |
| Charleston, WV | 1 | $ 119,000 | $ 119,000 | $ 65,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 106,000 | $ 106,000 | $ 34,000 |
| Chattanooga, TN-GA | 1 | $ 78,000 | $ 78,000 | $ 59,000 |
| Columbus, GA-AL | 1 | $ 97,000 | $ 97,000 | $ 40,000 |
| Elizabethtown, KY | 1 | $ 70,000 | $ 70,000 | $ 31,000 |
| Fort Smith, AR-OK | 1 | $ 151,000 | $ 151,000 | $ 68,000 |
| Jackson, TN | 1 | $ 103,000 | $ 103,000 | $ 46,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 112,000 | $ 112,000 | $ 115,000 |
| Lubbock, TX | 1 | $ 88,000 | $ 88,000 | $ 60,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 90,000 | $ 90,000 | $ 69,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 88,000 | $ 88,000 | $ 30,000 |
| Pine Bluff, AR | 1 | $ 60,000 | $ 60,000 | $ 24,000 |
| Wichita Falls, TX | 1 | $ 63,000 | $ 63,000 | $ 20,000 |
Mortgage Loan Application Detail Totals for R.H. Lending, Inc. in 2011
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 | 988 | $110,136,000 | $111,000 | $339,000 | $52,000 | $271,000 |
| Refinancing | 165 | $21,953,000 | $133,000 | $730,000 | $8,000 | $445,000 |
| Home Improvement | 1 | $207,000 | $207,000 | $207,000 | $48,000 | $48,000 |
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 | 739 | $86,092,000 | $116,000 | $730,000 | $46,000 | $445,000 |
| Black or African American | 214 | $24,071,000 | $112,000 | $274,000 | $43,000 | $122,000 |
| Hispanic | 153 | $17,027,000 | $111,000 | $264,000 | $45,000 | $137,000 |
| Not Provided | 33 | $3,334,000 | $101,000 | $209,000 | $45,000 | $98,000 |
| American Indian or Alaskan Native | 7 | $702,000 | $100,000 | $131,000 | $38,000 | $83,000 |
| Asian | 7 | $985,000 | $140,000 | $326,000 | $57,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $41,000 | $41,000 |
| 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) | 1,143 | $129,189,000 | $113,000 | $326,000 | $45,000 | $271,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 11 | $3,107,000 | $282,000 | $730,000 | $119,000 | $445,000 |
| 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 | 892 | $102,356,000 | $114,000 | $339,000 | $43,000 | $219,000 |
| Application Withdrawn By Applicant | 109 | $11,489,000 | $105,000 | $247,000 | $53,000 | $133,000 |
| File Closed For Incompleteness | 85 | $8,333,000 | $98,000 | $195,000 | $42,000 | $95,000 |
| Application Denied By Financial Institution | 47 | $5,447,000 | $115,000 | $228,000 | $46,000 | $134,000 |
| Loan Purchased By The Institution | 21 | $4,671,000 | $222,000 | $730,000 | $101,000 | $445,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 10 | $1,064,000 | $106,000 | $189,000 | $45,000 | $73,000 |
| Debt-To-Income Ratio | 10 | $1,393,000 | $139,000 | $228,000 | $41,000 | $70,000 |
| Collateral | 7 | $752,000 | $107,000 | $151,000 | $59,000 | $134,000 |
| Employment History | 6 | $691,000 | $115,000 | $141,000 | $40,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $482,000 | $96,000 | $135,000 | $41,000 | $75,000 |
| Other | 5 | $582,000 | $116,000 | $154,000 | $46,000 | $60,000 |
| Unverifiable Information | 2 | $242,000 | $121,000 | $128,000 | $45,000 | $49,000 |
| Credit Application Incomplete | 1 | $172,000 | $172,000 | $172,000 | $100,000 | $100,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into R.H. Lending, Inc.'s 2011 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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