Reliable Financial Services
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
Reliable Financial Services 2011 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Reliable Financial Services 100 N Main Street Mac D4001-063 Winston-Salem, NC 27150 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 |
| Total Number of Mortgage Applications | 372 |
| Total Mortgage Loan Application Amount | $40,431,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $1,070,000 |
| Average Applicant Income | $56,500 |
| Highest Applicant Income | $243,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 with Reliable Financial Services. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Reliable Financial Services's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2011 breaks down Reliable Financial Services's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Reliable Financial Services serves its applicants.
Each category highlights the total number of mortgage applications processed by Reliable Financial Services, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Reliable Financial Services's mortgage activity for 2011.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Juan County Puerto Rico | 57 | $ 6,262,000 | $ 109,000 | $ 47,000 |
| Bayamon County Puerto Rico | 27 | $ 2,746,000 | $ 101,000 | $ 46,000 |
| Ponce County Puerto Rico | 26 | $ 2,672,000 | $ 102,000 | $ 49,000 |
| Guaynabo County Puerto Rico | 23 | $ 3,981,000 | $ 173,000 | $ 73,000 |
| Carolina County Puerto Rico | 21 | $ 2,011,000 | $ 95,000 | $ 47,000 |
| Trujillo Alto County Puerto Rico | 21 | $ 1,710,000 | $ 81,000 | $ 50,000 |
| Caguas County Puerto Rico | 15 | $ 1,862,000 | $ 124,000 | $ 51,000 |
| Rio Grande County Puerto Rico | 14 | $ 1,222,000 | $ 87,000 | $ 32,000 |
| Yauco County Puerto Rico | 11 | $ 1,039,000 | $ 94,000 | $ 47,000 |
| Barceloneta County Puerto Rico | 9 | $ 1,184,000 | $ 131,000 | $ 35,000 |
| Gurabo County Puerto Rico | 9 | $ 1,632,000 | $ 181,000 | $ 86,000 |
| Juncos County Puerto Rico | 9 | $ 961,000 | $ 106,000 | $ 34,000 |
| Quebradillas County Puerto Rico | 9 | $ 832,000 | $ 92,000 | $ 34,000 |
| Toa Baja County Puerto Rico | 9 | $ 885,000 | $ 98,000 | $ 71,000 |
| Juana Diaz County Puerto Rico | 8 | $ 986,000 | $ 123,000 | $ 46,000 |
| Vega Alta County Puerto Rico | 8 | $ 585,000 | $ 73,000 | $ 28,000 |
| Aibonito County Puerto Rico | 7 | $ 874,000 | $ 124,000 | $ 39,000 |
| Humacao County Puerto Rico | 7 | $ 1,198,000 | $ 171,000 | $ 100,000 |
| Dorado County Puerto Rico | 6 | $ 409,000 | $ 68,000 | $ 102,000 |
| San Lorenzo County Puerto Rico | 6 | $ 650,000 | $ 108,000 | $ 41,000 |
| Manati County Puerto Rico | 5 | $ 546,000 | $ 109,000 | $ 111,000 |
| Vega Baja County Puerto Rico | 5 | $ 376,000 | $ 75,000 | $ 49,000 |
| Canovanas County Puerto Rico | 4 | $ 323,000 | $ 80,000 | $ 29,000 |
| Isabela County Puerto Rico | 4 | $ 422,000 | $ 105,000 | $ 77,000 |
| Aguada County Puerto Rico | 3 | $ 303,000 | $ 101,000 | $ 38,000 |
| Arecibo County Puerto Rico | 3 | $ 192,000 | $ 64,000 | $ 35,000 |
| Guanica County Puerto Rico | 3 | $ 163,000 | $ 54,000 | $ 45,000 |
| Luquillo County Puerto Rico | 3 | $ 414,000 | $ 138,000 | $ 105,000 |
| Morovis County Puerto Rico | 3 | $ 205,000 | $ 68,000 | $ 28,000 |
| Catano County Puerto Rico | 2 | $ 134,000 | $ 67,000 | $ 47,000 |
| Cidra County Puerto Rico | 2 | $ 311,000 | $ 155,000 | $ 52,000 |
| Coamo County Puerto Rico | 2 | $ 167,000 | $ 83,000 | $ 26,000 |
| Guayama County Puerto Rico | 2 | $ 92,000 | $ 46,000 | $ 42,000 |
| Jayuya County Puerto Rico | 2 | $ 172,000 | $ 86,000 | $ 25,000 |
| Lares County Puerto Rico | 2 | $ 182,000 | $ 91,000 | $ 21,000 |
| Loiza County Puerto Rico | 2 | $ 359,000 | $ 179,000 | $ 28,000 |
| Mayaguez County Puerto Rico | 2 | $ 87,000 | $ 43,000 | $ 32,000 |
| Naguabo County Puerto Rico | 2 | $ 302,000 | $ 151,000 | $ 93,000 |
| Orocovis County Puerto Rico | 2 | $ 266,000 | $ 133,000 | $ 33,000 |
| Santa Isabel County Puerto Rico | 2 | $ 147,000 | $ 73,000 | $ 45,000 |
| Toa Alta County Puerto Rico | 2 | $ 151,000 | $ 75,000 | $ 48,000 |
| Villalba County Puerto Rico | 2 | $ 145,000 | $ 72,000 | $ 32,000 |
| Aguadilla County Puerto Rico | 1 | $ 275,000 | $ 275,000 | $ 78,000 |
| Aguas Buenas County Puerto Rico | 1 | $ 88,000 | $ 88,000 | $ 20,000 |
| Camuy County Puerto Rico | 1 | $ 98,000 | $ 98,000 | $ 20,000 |
| Corozal County Puerto Rico | 1 | $ 207,000 | $ 207,000 | $ 70,000 |
| Fajardo County Puerto Rico | 1 | $ 45,000 | $ 45,000 | $ 90,000 |
| Hormigueros County Puerto Rico | 1 | $ 72,000 | $ 72,000 | $ 18,000 |
| Lajas County Puerto Rico | 1 | $ 93,000 | $ 93,000 | $ 48,000 |
| Las Marias County Puerto Rico | 1 | $ 110,000 | $ 110,000 | $ 23,000 |
| Las Piedras County Puerto Rico | 1 | $ 126,000 | $ 126,000 | $ 27,000 |
| Penuelas County Puerto Rico | 1 | $ 78,000 | $ 78,000 | $ 32,000 |
| Vieques County Puerto Rico | 1 | $ 79,000 | $ 79,000 | $ 22,000 |
Mortgage Loan Application Detail Totals for Reliable Financial Services 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 | 312 | $31,400,000 | $100,000 | $578,000 | $48,000 | $243,000 |
| Refinancing | 60 | $9,031,000 | $150,000 | $1,070,000 | $65,000 | $213,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 372 | $40,431,000 | $108,000 | $1,070,000 | $51,000 | $243,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 158 | $12,096,000 | $76,000 | $1,070,000 | $62,000 | $243,000 |
| FHA-insured (Federal Housing Administration) | 141 | $19,018,000 | $134,000 | $300,000 | $46,000 | $190,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $6,831,000 | $119,000 | $227,000 | $33,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,486,000 | $155,000 | $275,000 | $47,000 | $123,000 |
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 | 145 | $14,810,000 | $102,000 | $578,000 | $47,000 | $243,000 |
| Application Denied By Financial Institution | 145 | $16,031,000 | $110,000 | $1,070,000 | $48,000 | $206,000 |
| Application Withdrawn By Applicant | 42 | $5,307,000 | $126,000 | $388,000 | $63,000 | $194,000 |
| File Closed For Incompleteness | 35 | $3,763,000 | $107,000 | $269,000 | $59,000 | $180,000 |
| Application Approved But Not Accepted | 5 | $520,000 | $104,000 | $200,000 | $86,000 | $177,000 |
| 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 | 48 | $4,830,000 | $100,000 | $273,000 | $48,000 | $118,000 |
| Debt-To-Income Ratio | 32 | $3,696,000 | $115,000 | $250,000 | $38,000 | $150,000 |
| Collateral | 31 | $4,015,000 | $129,000 | $1,070,000 | $48,000 | $206,000 |
| Other | 30 | $2,766,000 | $92,000 | $294,000 | $57,000 | $200,000 |
| Employment History | 3 | $393,000 | $131,000 | $149,000 | $42,000 | $52,000 |
| Mortgage Insurance Denied | 1 | $331,000 | $331,000 | $331,000 | $79,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Reliable Financial Services'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 Reliable Financial Services'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.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.