Rs Lending, Inc. Mortgage Lending & HMDA Data, 2017
In 2017, Rs Lending, Inc. of San Francisco, CA reported 522 mortgage applications totaling $155.4 million. The average application was for $297,773, and applicants reported an average income of $0. 74% of its applications resulted in an originated loan and 14% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (57), Chicago-Naperville-Arlington Heights, IL (43) and Kansas City, MO-KS (39) (applications in parentheses).
| Mortgage Company & Address | Rs Lending, Inc. 525 Market St., Ste 2800 San Francisco, CA 94105 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 |
| Total Number of Mortgage Applications | 522 |
| Total Mortgage Loan Application Amount | $155,438,000 |
| Average Mortgage Loan Application Amount | $297,773 |
| Highest Mortgage Loan Application Amount | $2,900,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rs Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 57 | $ 14,840,000 | $ 260,350 | $ 0 |
| Chicago-Naperville-Arlington Heights, IL | 43 | $ 8,120,000 | $ 188,837 | $ 0 |
| Kansas City, MO-KS | 39 | $ 22,568,000 | $ 578,666 | $ 0 |
| Newark, NJ-PA | 39 | $ 9,382,000 | $ 240,564 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 18 | $ 2,363,000 | $ 131,277 | $ 0 |
| Baltimore-Columbia-Towson, MD | 14 | $ 2,823,000 | $ 201,642 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 12 | $ 3,656,000 | $ 304,666 | $ 0 |
| Providence-Warwick, RI-MA | 12 | $ 2,174,000 | $ 181,166 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 11 | $ 2,196,000 | $ 199,636 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 1,874,000 | $ 170,363 | $ 0 |
| Nassau County-Suffolk County, NY | 10 | $ 5,097,000 | $ 509,700 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 10 | $ 1,230,000 | $ 123,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 9 | $ 1,907,000 | $ 211,888 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 8 | $ 1,000,000 | $ 125,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 7 | $ 1,157,000 | $ 165,285 | $ 0 |
| Philadelphia, PA | 7 | $ 1,425,000 | $ 203,571 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 5,745,000 | $ 957,500 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 2,038,000 | $ 339,666 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 2,575,000 | $ 429,166 | $ 0 |
| Worcester, MA-CT | 6 | $ 825,000 | $ 137,500 | $ 0 |
| Austin-Round Rock, TX | 5 | $ 1,154,000 | $ 230,800 | $ 0 |
| Cleveland-Elyria, OH | 5 | $ 755,000 | $ 151,000 | $ 0 |
| Dallas-Plano-Irving, TX | 5 | $ 906,000 | $ 181,200 | $ 0 |
| New Orleans-Metairie, LA | 5 | $ 1,032,000 | $ 206,400 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 4,841,000 | $ 1,210,250 | $ 0 |
| Camden, NJ | 4 | $ 543,000 | $ 135,750 | $ 0 |
| Daphne-Fairhope-Foley, AL | 4 | $ 356,000 | $ 89,000 | $ 0 |
| Lexington-Fayette, KY | 4 | $ 1,408,000 | $ 352,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 3,382,000 | $ 845,500 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 2,074,000 | $ 518,500 | $ 0 |
| Pueblo, CO | 4 | $ 392,000 | $ 98,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 2,410,000 | $ 602,500 | $ 0 |
| Canton-Massillon, OH | 3 | $ 210,000 | $ 70,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 3 | $ 503,000 | $ 167,666 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 959,000 | $ 319,666 | $ 0 |
| Jacksonville, FL | 3 | $ 277,000 | $ 92,333 | $ 0 |
| Ocala, FL | 3 | $ 512,000 | $ 170,666 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,284,000 | $ 428,000 | $ 0 |
| Salt Lake City, UT | 3 | $ 3,554,000 | $ 1,184,666 | $ 0 |
| San Antonio-New Braunfels, TX | 3 | $ 655,000 | $ 218,333 | $ 0 |
| San Diego-Carlsbad, CA | 3 | $ 6,308,000 | $ 2,102,666 | $ 0 |
| St. Louis, MO-IL | 3 | $ 730,000 | $ 243,333 | $ 0 |
| Albany-Schenectady-Troy, NY | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Albuquerque, NM | 2 | $ 232,000 | $ 116,000 | $ 0 |
| Asheville, NC | 2 | $ 564,000 | $ 282,000 | $ 0 |
| Birmingham-Hoover, AL | 2 | $ 667,000 | $ 333,500 | $ 0 |
| Boise City, ID | 2 | $ 325,000 | $ 162,500 | $ 0 |
| Chattanooga, TN-GA | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Chico, CA | 2 | $ 263,000 | $ 131,500 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 611,000 | $ 305,500 | $ 0 |
| Denver-Aurora-Lakewood, CO | 2 | $ 568,000 | $ 284,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 614,000 | $ 307,000 | $ 0 |
| Grand Junction, CO | 2 | $ 325,000 | $ 162,500 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 295,000 | $ 147,500 | $ 0 |
| Jackson, MI | 2 | $ 304,000 | $ 152,000 | $ 0 |
| Jackson, MS | 2 | $ 231,000 | $ 115,500 | $ 0 |
| Jacksonville, NC | 2 | $ 182,000 | $ 91,000 | $ 0 |
| Monroe, MI | 2 | $ 273,000 | $ 136,500 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 429,000 | $ 214,500 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 926,000 | $ 463,000 | $ 0 |
| Oklahoma City, OK | 2 | $ 298,000 | $ 149,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 651,000 | $ 325,500 | $ 0 |
| Provo-Orem, UT | 2 | $ 457,000 | $ 228,500 | $ 0 |
| Richmond, VA | 2 | $ 337,000 | $ 168,500 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 568,000 | $ 284,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 2,375,000 | $ 1,187,500 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,634,000 | $ 817,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 544,000 | $ 272,000 | $ 0 |
| Akron, OH | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Boston, MA | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Boulder, CO | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Brownsville-Harlingen, TX | 1 | $ 413,000 | $ 413,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Cincinnati, OH-KY-IN | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Columbia, SC | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Columbus, OH | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Cumberland, MD-WV | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Dutchess County-Putnam County, NY | 1 | $ 149,000 | $ 149,000 | $ 0 |
| East Stroudsburg, PA | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Gainesville, FL | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Gainesville, GA | 1 | $ 875,000 | $ 875,000 | $ 0 |
| Gettysburg, PA | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Kingston, NY | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Lansing-East Lansing, MI | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Lebanon, PA | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Macon-Bibb County, GA | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Mobile, AL | 1 | $ 63,000 | $ 63,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 692,000 | $ 692,000 | $ 0 |
| Norwich-New London, CT | 1 | $ 739,000 | $ 739,000 | $ 0 |
| Panama City, FL | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Raleigh, NC | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Rochester, NY | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Salisbury, MD-DE | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 860,000 | $ 860,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Warner Robins, GA | 1 | $ 84,000 | $ 84,000 | $ 0 |
| York-Hanover, PA | 1 | $ 123,000 | $ 123,000 | $ 0 |
Mortgage Loan Application Detail Totals for Rs Lending, Inc. in 2017
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 Improvement | 397 | $108,353,000 | $272,000 | $2,900,000 | $0 | $0 |
| Home Purchase | 76 | $34,170,000 | $449,000 | $1,197,000 | $0 | $0 |
| Refinancing | 49 | $12,915,000 | $263,000 | $1,600,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 522 | $155,438,000 | $297,000 | $2,900,000 | $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 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 522 | $155,438,000 | $297,000 | $2,900,000 | $0 | $0 |
| 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 | 388 | $112,527,000 | $290,000 | $2,741,000 | $0 | $0 |
| Application Denied By Financial Institution | 73 | $25,220,000 | $345,000 | $2,900,000 | $0 | $0 |
| Application Withdrawn By Applicant | 60 | $17,458,000 | $290,000 | $1,197,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $233,000 | $233,000 | $233,000 | $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 |
|---|---|---|---|---|---|---|
| Other | 33 | $10,150,000 | $307,000 | $1,660,000 | $0 | $0 |
| Collateral | 27 | $12,242,000 | $453,000 | $2,900,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,109,000 | $369,000 | $667,000 | $0 | $0 |
| Debt-To-Income Ratio | 2 | $276,000 | $138,000 | $138,000 | $0 | $0 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rs Lending, Inc.'s 2017 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 Rs 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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