Reliable Holdings Manager dba Lendz Financial Mortgage Lending & HMDA Data, 2025
In 2025, Reliable Holdings Manager dba Lendz Financial of Miami, FL reported 1,806 mortgage applications totaling $783.8 million, up 178% from 2024. The average application was for $433,986, and applicants reported an average income of $832,977. 51% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (394), Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (206) and Orlando-Kissimmee-Sanford, FL (173) (applications in parentheses).
| Mortgage Company & Address | Reliable Holdings Manager dba Lendz Financial 19790 W Dixie Hwy Suite 104 Miami, FL 33180 |
| Federal Regulator | * available with data download |
| Years | 2025 2024 |
| Total Number of Mortgage Applications | 1,806 |
| Total Mortgage Loan Application Amount | $783,780,000 |
| Average Mortgage Loan Application Amount | $433,986 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $832,977 |
| Highest Applicant Income | $8,845,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Reliable Holdings Manager dba Lendz Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Miami-Miami Beach-Kendall, FL | 394 | $ 208,130,000 | $ 528,248 | $ 715,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 206 | $ 83,550,000 | $ 405,582 | $ 424,000 |
| Orlando-Kissimmee-Sanford, FL | 173 | $ 59,345,000 | $ 343,034 | $ 477,000 |
| Cape Coral-Fort Myers, FL | 92 | $ 27,780,000 | $ 301,956 | $ 591,000 |
| Outside any metro area | 57 | $ 30,395,000 | $ 533,245 | $ 1,649,538 |
| Houston-The Woodlands-Sugar Land, TX | 55 | $ 21,995,000 | $ 399,909 | $ 5,614,000 |
| Tampa, FL | 50 | $ 14,360,000 | $ 287,200 | $ 498,000 |
| Atlanta-Sandy Springs-Roswell, GA | 45 | $ 16,595,000 | $ 368,777 | $ 352,000 |
| Lakeland-Winter Haven, FL | 43 | $ 12,705,000 | $ 295,465 | $ 162,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 39 | $ 17,425,000 | $ 446,794 | $ 241,000 |
| New York-Jersey City-White Plains, NY-NJ | 37 | $ 26,025,000 | $ 703,378 | $ 233,000 |
| Los Angeles-Long Beach-Glendale, CA | 35 | $ 27,945,000 | $ 798,428 | $ 628,000 |
| Punta Gorda, FL | 29 | $ 7,175,000 | $ 247,413 | $ 272,000 |
| Naples-Immokalee-Marco Island, FL | 27 | $ 13,995,000 | $ 518,333 | $ 367,000 |
| Newark, NJ-PA | 26 | $ 11,980,000 | $ 460,769 | $ 177,000 |
| Anaheim-Santa Ana-Irvine, CA | 19 | $ 17,145,000 | $ 902,368 | $ 415,000 |
| Dallas-Plano-Irving, TX | 19 | $ 11,235,000 | $ 591,315 | $ 869,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 19 | $ 6,225,000 | $ 327,631 | $ 483,000 |
| Ocala, FL | 17 | $ 3,755,000 | $ 220,882 | $ 212,000 |
| Riverside-San Bernardino-Ontario, CA | 17 | $ 7,315,000 | $ 430,294 | $ 732,000 |
| St. Petersburg-Clearwater-Largo, FL | 17 | $ 7,345,000 | $ 432,058 | $ 213,000 |
| Chicago-Naperville, IL | 16 | $ 4,840,000 | $ 302,500 | $ 126,000 |
| Fort Worth-Arlington, TX | 16 | $ 3,740,000 | $ 233,750 | $ 514,000 |
| Nassau County-Suffolk County, NY | 16 | $ 10,880,000 | $ 680,000 | $ 643,000 |
| Jacksonville, FL | 15 | $ 6,185,000 | $ 412,333 | $ 1,626,000 |
| Marietta, GA | 12 | $ 5,360,000 | $ 446,666 | $ 249,000 |
| Homosassa Springs, FL | 11 | $ 2,525,000 | $ 229,545 | $ 102,000 |
| North Port-Sarasota-Bradenton, FL | 11 | $ 4,385,000 | $ 398,636 | $ 271,000 |
| Albany-Schenectady-Troy, NY | 10 | $ 1,820,000 | $ 182,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 10 | $ 3,010,000 | $ 301,000 | $ 401,000 |
| Boston, MA | 9 | $ 7,965,000 | $ 885,000 | $ 0 |
| San Diego-Carlsbad, CA | 9 | $ 7,275,000 | $ 808,333 | $ 805,000 |
| Baltimore-Columbia-Towson, MD | 8 | $ 1,410,000 | $ 176,250 | $ 0 |
| Cleveland, OH | 8 | $ 1,300,000 | $ 162,500 | $ 170,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 8 | $ 1,220,000 | $ 152,500 | $ 176,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 4,220,000 | $ 527,500 | $ 257,000 |
| Columbus, OH | 7 | $ 2,045,000 | $ 292,142 | $ 309,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 7 | $ 2,795,000 | $ 399,285 | $ 662,000 |
| Port St. Lucie, FL | 7 | $ 3,195,000 | $ 456,428 | $ 251,000 |
| Cambridge-Newton-Framingham, MA | 6 | $ 6,450,000 | $ 1,075,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 6 | $ 1,920,000 | $ 320,000 | $ 753,000 |
| Wilmington, DE-MD-NJ | 6 | $ 940,000 | $ 156,666 | $ 0 |
| Cincinnati, OH-KY-IN | 5 | $ 1,485,000 | $ 297,000 | $ 315,000 |
| Hickory-Lenoir-Morganton, NC | 5 | $ 1,125,000 | $ 225,000 | $ 0 |
| Lakewood-New Brunswick, NJ | 5 | $ 2,595,000 | $ 519,000 | $ 105,000 |
| Laredo, TX | 5 | $ 865,000 | $ 173,000 | $ 123,000 |
| Reading, PA | 5 | $ 1,045,000 | $ 209,000 | $ 93,000 |
| San Antonio-New Braunfels, TX | 5 | $ 1,055,000 | $ 211,000 | $ 120,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 2,950,000 | $ 737,500 | $ 0 |
| Austin-Round Rock, TX | 4 | $ 1,380,000 | $ 345,000 | $ 421,000 |
| Gainesville, FL | 4 | $ 1,040,000 | $ 260,000 | $ 136,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 1,650,000 | $ 412,500 | $ 167,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 5,220,000 | $ 1,305,000 | $ 349,000 |
| Sebring, FL | 4 | $ 680,000 | $ 170,000 | $ 0 |
| Spartanburg, SC | 4 | $ 1,180,000 | $ 295,000 | $ 67,000 |
| Brownsville-Harlingen, TX | 3 | $ 575,000 | $ 191,666 | $ 0 |
| Camden, NJ | 3 | $ 675,000 | $ 225,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 445,000 | $ 148,333 | $ 0 |
| Florence, SC | 3 | $ 795,000 | $ 265,000 | $ 532,000 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 835,000 | $ 278,333 | $ 0 |
| Macon-Bibb County, GA | 3 | $ 395,000 | $ 131,666 | $ 0 |
| Philadelphia, PA | 3 | $ 575,000 | $ 191,666 | $ 0 |
| Savannah, GA | 3 | $ 305,000 | $ 101,666 | $ 56,000 |
| Sebastian-Vero Beach, FL | 3 | $ 885,000 | $ 295,000 | $ 416,000 |
| Washington-Baltimore-Arlington, DC | 3 | $ 4,525,000 | $ 1,508,333 | $ 5,400,000 |
| Worcester, MA-CT | 3 | $ 1,485,000 | $ 495,000 | $ 193,000 |
| Bakersfield, CA | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Chattanooga, TN-GA | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 1,280,000 | $ 640,000 | $ 251,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 790,000 | $ 395,000 | $ 77,000 |
| Everett, WA | 2 | $ 1,320,000 | $ 660,000 | $ 939,000 |
| Fresno, CA | 2 | $ 230,000 | $ 115,000 | $ 336,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 610,000 | $ 305,000 | $ 160,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 650,000 | $ 325,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 1,470,000 | $ 735,000 | $ 224,000 |
| Memphis, TN-MS-AR | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Providence-Warwick, RI-MA | 2 | $ 750,000 | $ 375,000 | $ 0 |
| Raleigh, NC | 2 | $ 660,000 | $ 330,000 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 500,000 | $ 250,000 | $ 228,000 |
| Saginaw, MI | 2 | $ 310,000 | $ 155,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 1,130,000 | $ 565,000 | $ 414,000 |
| Springfield, OH | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 1,010,000 | $ 505,000 | $ 261,000 |
| Waterbury-Shelton, CT | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Albuquerque, NM | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Asheville, NC | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Bellingham, WA | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Binghamton, NY | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Birmingham-Hoover, AL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 155,000 | $ 155,000 | $ 169,000 |
| Clarksville, TN-KY | 1 | $ 155,000 | $ 155,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,080,000 |
| Columbus, GA-AL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 535,000 | $ 535,000 | $ 234,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Dover, DE | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Dubuque, IA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 435,000 | $ 435,000 | $ 198,000 |
| Eau Claire, WI | 1 | $ 195,000 | $ 195,000 | $ 0 |
| El Paso, TX | 1 | $ 205,000 | $ 205,000 | $ 87,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 1,125,000 | $ 1,125,000 | $ 0 |
| Goldsboro, NC | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 385,000 | $ 385,000 | $ 95,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Jackson, MS | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Jacksonville, NC | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Johnson City, TN | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Knoxville, TN | 1 | $ 225,000 | $ 225,000 | $ 249,000 |
| Lexington-Fayette, KY | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 385,000 | $ 385,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 225,000 | $ 225,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 405,000 | $ 405,000 | $ 92,000 |
| Panama City, FL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Portland-South Portland, ME | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Pueblo, CO | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Rochester, NY | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Rome, GA | 1 | $ 425,000 | $ 425,000 | $ 207,000 |
| San Rafael, CA | 1 | $ 3,295,000 | $ 3,295,000 | $ 0 |
| Santa Rosa, CA | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 215,000 | $ 215,000 | $ 102,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Stockton-Lodi, CA | 1 | $ 165,000 | $ 165,000 | $ 335,000 |
| Trenton, NJ | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Tucson, AZ | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Waco, TX | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Wilmington, NC | 1 | $ 1,685,000 | $ 1,685,000 | $ 0 |
Mortgage Loan Application Detail Totals for Reliable Holdings Manager dba Lendz Financial in 2025
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 | 886 | $383,880,000 | $433,000 | $4,005,000 | $541,000 | $7,024,000 |
| Refinancing | 617 | $270,725,000 | $438,000 | $3,445,000 | $1,293,000 | $7,779,000 |
| Cash-out Refinancing | 303 | $129,175,000 | $426,000 | $3,245,000 | $750,000 | $8,845,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 949 | $380,685,000 | $401,000 | $3,475,000 | $513,000 | $7,024,000 |
| White | 506 | $254,900,000 | $503,000 | $4,005,000 | $603,000 | $7,024,000 |
| Black or African American | 215 | $79,215,000 | $368,000 | $1,875,000 | $2,546,000 | $7,779,000 |
| Asian | 83 | $45,555,000 | $548,000 | $1,945,000 | $419,000 | $1,216,000 |
| Not Provided | 46 | $21,240,000 | $461,000 | $2,685,000 | $1,339,000 | $8,845,000 |
| American Indian or Alaskan Native | 4 | $900,000 | $225,000 | $405,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,070,000 | $535,000 | $695,000 | $669,000 | $669,000 |
| Not applicable | 1 | $215,000 | $215,000 | $215,000 | $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) | 1,806 | $783,780,000 | $433,000 | $4,005,000 | $803,000 | $8,845,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 913 | $375,105,000 | $410,000 | $4,005,000 | $680,000 | $7,779,000 |
| Application Withdrawn By Applicant | 785 | $354,715,000 | $451,000 | $3,855,000 | $1,017,000 | $8,845,000 |
| Application Denied By Financial Institution | 80 | $39,480,000 | $493,000 | $2,005,000 | $376,000 | $1,721,000 |
| Loan Purchased By The Institution | 28 | $14,480,000 | $517,000 | $3,245,000 | $714,000 | $4,500,000 |
| 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 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,726 | $744,300,000 | $431,000 | $4,005,000 | $831,000 | $8,845,000 |
| Debt-To-Income Ratio | 80 | $39,480,000 | $493,000 | $2,005,000 | $376,000 | $1,721,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Reliable Holdings Manager dba Lendz Financial's 2025 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 Holdings Manager dba Lendz Financial'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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