Reliant Bank Mortgage Rates, Fees & Info

Brentwood, TN

LEI: 549300AOG9F040P5KW70

Tax ID: 20-3357829

3.3 stars - out of 5 stars, based on 49 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Reliant Bank is a smaller bank specializing in Home Purchase and Refi loans. Reliant Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Nashville, Los Angeles, Clarksville, Miami, and New York among others. Reliant Bank has a below average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Reliant Bank is typically a high fee lendor.


Originations

2,392

Origination Dollar Volume (All Markets)

$835,430,000

Employee count

389 Show all (9) awards

Relative Rate

Reliant Bank's average 30 year fixed rate mortgage of loans were 3.25%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.1%.

Relative Fees

Reliant Bank's average total fees for a 30 year fixed rate mortgage are $6,166.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 556 $215,750,000 $388,040 $3,913 3.27%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 77 $87,935,000 $1,142,013 $10,824 3.03%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 130 $62,740,000 $482,615 $4,153 2.99%
Outside of Metro Areas 430 $49,400,000 $114,884 $3,528 5.91%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 51 $46,375,000 $909,314 $16,496 3.58%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 47 $27,035,000 $575,213 $10,078 3.21%
BOULDER, CO (FHA|USDA|VA) 22 $24,230,000 $1,101,364 $6,361 3.06%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 67 $20,285,000 $302,761 $4,071 3.30%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 18 $18,730,000 $1,040,556 $7,646 2.96%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 16 $14,450,000 $903,125 $4,949 3.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 16 $12,850,000 $803,125 $10,528 3.19%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 82 $12,610,000 $153,780 $4,194 4.05%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 12 $11,130,000 $927,500 $7,418 3.24%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 16 $11,110,000 $694,375 $8,661 3.30%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 7 $10,665,000 $1,523,571 $10,534 3.00%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 10 $10,270,000 $1,027,000 $5,541 3.01%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 11 $9,785,000 $889,545 $6,516 3.08%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 10 $9,440,000 $944,000 $4,236 3.21%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 10 $8,760,000 $876,000 $4,801 2.95%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 11 $7,915,000 $719,545 $8,675 3.30%
KNOXVILLE, TN (FHA|USDA|VA) 20 $7,380,000 $369,000 $5,912 3.12%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 11 $7,305,000 $664,091 $11,243 4.01%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 5 $5,255,000 $1,051,000 $13,988 3.20%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 16 $5,200,000 $325,000 $9,113 5.62%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 10 $4,740,000 $474,000 $3,389 2.85%
Sevierville, TN (FHA|USDA|VA) 6 $4,650,000 $775,000 $13,510 3.33%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 4 $4,590,000 $1,147,500 $7,995 2.84%
JACKSON, MS (FHA|USDA|VA) 47 $3,695,000 $78,617 $3,723 7.32%
Lawrenceburg, TN (FHA|USDA|VA) 14 $3,610,000 $257,857 $4,800 3.15%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 32 $3,600,000 $112,500 $19,492 7.47%
HOT SPRINGS, AR (FHA|USDA|VA) 24 $3,510,000 $146,250 $2,495 3.03%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $3,310,000 $827,500 $8,309 3.03%
Breckenridge, CO (FHA|USDA|VA) 2 $3,220,000 $1,610,000 $9,440 3.13%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $2,980,000 $745,000 $8,282 3.22%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 11 $2,625,000 $238,636 $10,619 6.73%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $2,540,000 $635,000 $11,101 4.03%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 7 $2,335,000 $333,571 $9,982 3.36%
PANAMA CITY, FL (FHA|USDA|VA) 3 $2,235,000 $745,000 $5,031 3.58%
NILES, MI (FHA|USDA|VA) 2 $2,200,000 $1,100,000 $4,962 3.19%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 15 $2,125,000 $141,667 $4,652 5.18%
MONROE, LA (FHA|USDA|VA) 24 $2,070,000 $86,250 $3,816 6.15%
RENO, NV (FHA|USDA|VA) 3 $2,045,000 $681,667 $4,787 3.08%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $1,880,000 $470,000 $5,571 3.09%
Tupelo, MS (FHA|USDA|VA) 21 $1,695,000 $80,714 $3,252 7.35%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $1,625,000 $541,667 $8,509 3.17%
BATON ROUGE, LA (FHA|USDA|VA) 17 $1,605,000 $94,412 $3,783 7.40%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $1,540,000 $770,000 $4,841 2.81%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $1,520,000 $760,000 $4,103 2.94%
RALEIGH-CARY, NC (FHA|USDA|VA) 4 $1,510,000 $377,500 $17,445 3.84%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $12,213 3.50%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $0 4.50%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $1,460,000 $730,000 $12,028 3.00%
BOISE CITY, ID (FHA|USDA|VA) 2 $1,440,000 $720,000 $15,873 3.56%
TUCSON, AZ (FHA|USDA|VA) 2 $1,420,000 $710,000 $5,927 3.13%
OKLAHOMA CITY, OK (FHA|USDA|VA) 8 $1,410,000 $176,250 $11,477 6.52%
HAMMOND, LA (FHA|USDA|VA) 22 $1,390,000 $63,182 $3,241 7.92%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $1,390,000 $695,000 $2,732 2.75%
VALLEJO, CA (FHA|USDA|VA) 2 $1,380,000 $690,000 $7,127 2.88%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $1,320,000 $660,000 $7,250 3.06%
ST. CLOUD, MN (FHA|USDA|VA) 1 $1,285,000 $1,285,000 $4,511 3.00%
Edwards, CO (FHA|USDA|VA) 1 $1,285,000 $1,285,000 $19,476 2.88%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $1,240,000 $620,000 $9,565 3.19%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $1,215,000 $1,215,000 $7,646 2.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $1,190,000 $595,000 $7,252 3.19%
TEXARKANA, TX-AR (FHA|USDA|VA) 12 $1,180,000 $98,333 $3,434 6.48%
SHERMAN-DENISON, TX (FHA|USDA|VA) 12 $1,170,000 $97,500 $5,846 6.44%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 15 $1,145,000 $76,333 $4,382 7.88%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 6 $1,110,000 $185,000 $3,536 4.56%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $1,100,000 $550,000 $11,355 3.63%
Athens, TX (FHA|USDA|VA) 2 $1,080,000 $540,000 $20,201 5.70%
Arkadelphia, AR (FHA|USDA|VA) 7 $1,075,000 $153,571 $2,245 2.77%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $1,055,000 $1,055,000 $5,721 3.00%
WENATCHEE, WA (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $13,412 2.75%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 11 $1,025,000 $93,182 $4,116 7.23%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $995,000 $995,000 $12,581 3.00%
Brookhaven, MS (FHA|USDA|VA) 14 $980,000 $70,000 $3,805 7.66%
PINE BLUFF, AR (FHA|USDA|VA) 8 $980,000 $122,500 $3,123 5.06%
Lewisburg, TN (FHA|USDA|VA) 4 $940,000 $235,000 $2,730 3.53%
LAKE CHARLES, LA (FHA|USDA|VA) 15 $905,000 $60,333 $0 7.44%
HATTIESBURG, MS (FHA|USDA|VA) 12 $880,000 $73,333 $3,255 7.97%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $855,000 $855,000 $825 3.25%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $825,000 $825,000 $4,055 3.25%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $785,000 $785,000 $5,323 3.38%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 9 $775,000 $86,111 $2,572 6.39%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 11 $745,000 $67,727 $0 7.51%
Tullahoma-Manchester, TN (FHA|USDA|VA) 4 $720,000 $180,000 $3,968 4.84%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $715,000 $715,000 $3,694 3.50%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $715,000 $715,000 $14,149 3.25%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $715,000 $715,000 $5,133 2.88%
Aberdeen, WA (FHA|USDA|VA) 1 $695,000 $695,000 $15,471 3.63%
Starkville, MS (FHA|USDA|VA) 8 $680,000 $85,000 $3,112 8.13%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 10 $670,000 $67,000 $0 8.03%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $655,000 $655,000 $7,681 2.75%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $605,000 $605,000 $4,495 3.63%
Malvern, AR (FHA|USDA|VA) 6 $590,000 $98,333 $4,340 3.99%
Talladega-Sylacauga, AL (FHA|USDA|VA) 8 $580,000 $72,500 $0 7.57%
McMinnville, TN (FHA|USDA|VA) 6 $550,000 $91,667 $3,215 6.13%
Crossville, TN (FHA|USDA|VA) 4 $540,000 $135,000 $9,231 4.61%
Vicksburg, MS (FHA|USDA|VA) 8 $520,000 $65,000 $2,634 7.16%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 8 $510,000 $63,750 $0 7.71%
DeRidder, LA (FHA|USDA|VA) 8 $480,000 $60,000 $3,595 6.38%
MONTGOMERY, AL (FHA|USDA|VA) 8 $470,000 $58,750 $0 7.17%
Astoria, OR (FHA|USDA|VA) 1 $465,000 $465,000 $0 4.13%
Picayune, MS (FHA|USDA|VA) 6 $460,000 $76,667 $0 8.04%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $450,000 $225,000 $10,728 3.08%
Shelbyville, TN (FHA|USDA|VA) 3 $435,000 $145,000 $3,418 5.39%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $425,000 $425,000 $8,270 4.13%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $425,000 $425,000 $9,553 2.25%
West Point, MS (FHA|USDA|VA) 5 $425,000 $85,000 $0 7.65%
McComb, MS (FHA|USDA|VA) 7 $425,000 $60,714 $0 7.83%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $395,000 $395,000 $3,833 2.38%
KINGSTON, NY (FHA|USDA|VA) 1 $385,000 $385,000 $3,657 3.13%
LAFAYETTE, LA (FHA|USDA|VA) 5 $365,000 $73,000 $3,695 7.66%
Ruston, LA (FHA|USDA|VA) 4 $350,000 $87,500 $4,503 7.83%
Natchez, MS-LA (FHA|USDA|VA) 5 $345,000 $69,000 $3,191 7.61%
Oxford, MS (FHA|USDA|VA) 4 $330,000 $82,500 $0 7.29%
Marion, NC (FHA|USDA|VA) 1 $325,000 $325,000 $11,001 3.63%
MIDLAND, TX (FHA|USDA|VA) 4 $320,000 $80,000 $0 7.57%
Bogalusa, LA (FHA|USDA|VA) 4 $320,000 $80,000 $0 7.84%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 3 $315,000 $105,000 $2,372 5.19%
Hilo, HI (FHA|USDA|VA) 1 $305,000 $305,000 $5,810 5.38%
Meridian, MS (FHA|USDA|VA) 4 $300,000 $75,000 $0 7.50%
Russellville, AR (FHA|USDA|VA) 4 $290,000 $72,500 $0 7.70%
Cookeville, TN (FHA|USDA|VA) 4 $290,000 $72,500 $0 6.17%
ASHEVILLE, NC (FHA|USDA|VA) 1 $285,000 $285,000 $5,993 3.13%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $285,000 $285,000 $3,661 3.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $285,000 $95,000 $0 7.02%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $275,000 $275,000 $3,104 3.13%
Searcy, AR (FHA|USDA|VA) 3 $275,000 $91,667 $3,713 6.23%
ALEXANDRIA, LA (FHA|USDA|VA) 4 $270,000 $67,500 $0 7.04%
ODESSA, TX (FHA|USDA|VA) 3 $265,000 $88,333 $0 6.99%
Laurel, MS (FHA|USDA|VA) 5 $265,000 $53,000 $2,516 7.48%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $265,000 $265,000 $8,613 2.50%
El Dorado, AR (FHA|USDA|VA) 2 $260,000 $130,000 $2,642 5.08%
Bonham, TX (FHA|USDA|VA) 3 $255,000 $85,000 $0 6.91%
STOCKTON, CA (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.25%
MORRISTOWN, TN (FHA|USDA|VA) 1 $255,000 $255,000 $3,474 3.00%
Huntsville, TX (FHA|USDA|VA) 3 $235,000 $78,333 $0 7.11%
WACO, TX (FHA|USDA|VA) 1 $235,000 $235,000 $2,849 2.88%
KOKOMO, IN (FHA|USDA|VA) 1 $235,000 $235,000 $7,470 2.50%
Levelland, TX (FHA|USDA|VA) 3 $235,000 $78,333 $0 7.74%
Summerville, GA (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.00%
Gainesville, TX (FHA|USDA|VA) 3 $225,000 $75,000 $0 7.45%
TUSCALOOSA, AL (FHA|USDA|VA) 3 $225,000 $75,000 $0 7.44%
Mayfield, KY (FHA|USDA|VA) 1 $225,000 $225,000 $3,350 3.00%
Madisonville, KY (FHA|USDA|VA) 1 $225,000 $225,000 $4,418 3.00%
Magnolia, AR (FHA|USDA|VA) 2 $220,000 $110,000 $3,029 7.74%
Ardmore, OK (FHA|USDA|VA) 3 $205,000 $68,333 $0 7.29%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $205,000 $205,000 $4,219 3.13%
Paducah, KY-IL (FHA|USDA|VA) 1 $195,000 $195,000 $2,269 2.25%
Minden, LA (FHA|USDA|VA) 3 $195,000 $65,000 $0 7.62%
Grenada, MS (FHA|USDA|VA) 3 $195,000 $65,000 $0 7.59%
Cleveland, MS (FHA|USDA|VA) 2 $190,000 $95,000 $3,435 7.52%
DECATUR, AL (FHA|USDA|VA) 2 $190,000 $95,000 $0 7.92%
Columbus, MS (FHA|USDA|VA) 2 $190,000 $95,000 $3,725 7.47%
MOBILE, AL (FHA|USDA|VA) 2 $190,000 $95,000 $0 8.84%
GAINESVILLE, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,122 2.88%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $185,000 $185,000 $3,568 3.00%
Opelousas, LA (FHA|USDA|VA) 3 $185,000 $61,667 $0 8.67%
Union City, TN (FHA|USDA|VA) 1 $175,000 $175,000 $3,426 3.25%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 3 $175,000 $58,333 $0 7.36%
LaGrange, GA-AL (FHA|USDA|VA) 2 $170,000 $85,000 $0 7.42%
Paris, TX (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.39%
Corinth, MS (FHA|USDA|VA) 2 $150,000 $75,000 $3,562 7.97%
LUBBOCK, TX (FHA|USDA|VA) 2 $150,000 $75,000 $0 7.67%
Brevard, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,405 2.88%
Durant, OK (FHA|USDA|VA) 2 $140,000 $70,000 $0 8.12%
Morgan City, LA (FHA|USDA|VA) 2 $140,000 $70,000 $0 8.47%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $135,000 $135,000 $2,484 3.13%
Shawnee, OK (FHA|USDA|VA) 2 $130,000 $65,000 $0 6.92%
McAlester, OK (FHA|USDA|VA) 2 $130,000 $65,000 $0 8.47%
Selma, AL (FHA|USDA|VA) 2 $130,000 $65,000 $0 8.09%
Natchitoches, LA (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.62%
Jasper, AL (FHA|USDA|VA) 2 $120,000 $60,000 $0 7.02%
Central City, KY (FHA|USDA|VA) 1 $115,000 $115,000 $2,814 2.38%
Cullman, AL (FHA|USDA|VA) 2 $110,000 $55,000 $2,317 5.67%
Clarksdale, MS (FHA|USDA|VA) 1 $95,000 $95,000 $3,873 7.69%
Corsicana, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.09%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $75,000 $75,000 $2,696 6.34%
Mountain Home, AR (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.49%
Greenwood, MS (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.24%
Athens, TN (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.49%
DALTON, GA (FHA|USDA|VA) 1 $75,000 $75,000 $4,423 2.50%
Albertville, AL (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.69%
Greenville, MS (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.09%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.84%
Brenham, TX (FHA|USDA|VA) 1 $65,000 $65,000 $3,570 8.89%
Mineral Wells, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.19%
Alice, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.09%
Rio Grande City-Roma, TX (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.84%
JONESBORO, AR (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.09%
JACKSON, TN (FHA|USDA|VA) 1 $55,000 $55,000 $3,525 3.25%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.84%
London, KY (FHA|USDA|VA) 1 $35,000 $35,000 $0 10.44%
Jacksonville, TX (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.84%

Reliant Bank's top markets include Nashville, Los Angeles, Clarksville, Miami, and New York among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 2,226 $799,190,000 $359,025 $5,596 4.80%
VA 70 $17,700,000 $252,857 $5,391 2.52%
FHA 64 $13,330,000 $208,281 $6,946 3.05%
USDA 32 $5,210,000 $162,813 $4,468 2.72%

For the 2021 period, Reliant Bank's most frequently originated loan type of loans were Conventional, with 2,226 originations. Their 2nd most popular type is VA, with 70 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,527 $460,025,000 $301,261 $6,401 5.58%
Refi 550 $252,960,000 $459,927 $4,617 3.03%
Cash Out Refi 285 $116,945,000 $410,333 $5,789 3.01%
Other 18 $3,030,000 $168,333 $2,765 3.05%
Home Improvement 12 $2,470,000 $205,833 $1,728 4.15%

For the 2021, Reliant Bank's most frequently cited loan purpose of loans were Home Purchase, with 1,527 originations. The 2nd most popular reason of loans were Refi, with 550 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,232 $604,570,000 $490,722 $6,166 3.25%
Other 777 $115,705,000 $148,912 $2,944 7.29%
15 Year 200 $31,810,000 $159,050 $3,153 3.59%
20 Year 96 $29,570,000 $308,021 $3,656 4.17%
1 Year 43 $27,465,000 $638,721 $6,400 4.26%
10 Year 24 $6,760,000 $281,667 $2,483 3.80%
5 Year 19 $19,525,000 $1,027,632 $1,087 4.29%
3 Year 1 $25,000 $25,000 $0 5.50%

For the 2021, Reliant Bank's most frequently cited loan length of loans were 30 Year, with 1,232 originations. The 2nd most popular length of loans were Other, with 777 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 726 $253,270,000 $348,857
$<1k 289 $83,135,000 $287,664
$5k+ 161 $167,415,000 $1,039,845
$2k-3k 115 $69,095,000 $600,826
$3k-4k 86 $57,930,000 $673,605

$6,166 of loans were Reliant Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 726 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 645 $328,305,000 $509,000
3-4% 558 $327,070,000 $586,147
7-8% 314 $23,250,000 $74,045
Over 8% 262 $16,560,000 $63,206
<2.5% 219 $47,155,000 $215,320
6-7% 180 $15,470,000 $85,944
4-5% 122 $69,190,000 $567,131
5-6% 92 $8,430,000 $91,630

During 2021, Reliant Bank's average interest rate of loans were 3.25%, while their most frequently originated rate bucket of loans were 2.5-3%, with 645 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100,000 or less 857 $56,585,000 $66,027 $2,504 6.86%
$100k-200k 505 $73,455,000 $145,455 $3,465 3.97%
$200k-400k 429 $119,435,000 $278,403 $4,287 3.07%
$600k-1MM 251 $199,175,000 $793,526 $8,311 3.23%
$1MM+ 188 $309,280,000 $1,645,106 $12,573 3.21%
$400k-600k 162 $77,500,000 $478,395 $5,231 3.28%

2021 saw Reliant Bank place emphasis on $100,000 or less loans with 857 originations, totaling $56,585,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 732 $61,980,000 $84,672 $3,223 6.46%
$50k-75k 417 $61,695,000 $147,950 $3,921 4.87%
$250k+ 340 $333,020,000 $979,471 $9,786 3.25%
$150k-250k 283 $148,565,000 $524,965 $6,639 3.24%
$100k-150k 264 $77,510,000 $293,598 $4,363 3.54%
$75k-100k 233 $45,775,000 $196,459 $4,237 4.06%

Reliant Bank lent most frequently to those with incomes in the $50k or less range, with 732 originations. The second most popular income band? $50k-75k, with 417 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 601 $184,385,000 $306,797 $5,073 4.52%
30-36% 492 $168,360,000 $342,195 $5,948 4.85%
<20% 234 $82,260,000 $351,538 $4,813 4.05%
42% 164 $41,460,000 $252,805 $7,597 6.00%
40% 111 $33,195,000 $299,054 $6,821 5.29%
41% 109 $38,055,000 $349,128 $5,917 5.11%
39% 89 $27,995,000 $314,551 $7,117 5.57%
38% 88 $27,330,000 $310,568 $6,137 5.22%
37% 85 $26,265,000 $309,000 $5,770 4.91%
36% 72 $22,190,000 $308,194 $5,969 5.12%
44% 37 $9,435,000 $255,000 $4,602 3.00%
43% 35 $10,075,000 $287,857 $5,775 3.05%
50-60% 23 $5,755,000 $250,217 $5,975 3.07%
45% 22 $8,810,000 $400,455 $5,247 3.21%
47% 16 $3,840,000 $240,000 $3,522 3.10%
46% 15 $5,125,000 $341,667 $5,293 2.85%
48% 14 $4,960,000 $354,286 $7,419 3.02%
49% 13 $4,025,000 $309,615 $4,533 2.96%
>60% 7 $4,015,000 $573,571 $5,006 4.27%

Reliant Bank lent most frequently to those with DTI ratios of 20-30%, with 601 originations. The next most common DTI ratio? 30-36%, with 492 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 1,682 $554,130,000 $329,447 $5,567 4.44%
Not provided 301 $132,885,000 $441,478 $5,954 3.88%
Not applicable 66 $88,500,000 $1,340,909 $0 4.05%
Black 286 $30,810,000 $107,727 $4,142 6.98%
Asian 38 $22,700,000 $597,368 $7,797 3.70%
Chinese 2 $1,870,000 $935,000 $6,482 3.25%
American Indian 12 $1,780,000 $148,333 $2,957 6.87%
Native Hawaiian 2 $1,480,000 $740,000 $15,723 3.13%
Asian Indian 2 $1,020,000 $510,000 $2,455 5.01%
Filipino 1 $255,000 $255,000 $3,334 4.20%

Approval Rates

Total approvals of all applications
55.47%

Reliant Bank has a low approval rate. They may have poor market targeting or stringent lending standards.

Pick Rate

Approvals leading to origination
45.67%

Reliant Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
1001.95 1 $75,000 $75,000
1002.22 1 $65,000 $65,000
1002.25 1 $65,000 $65,000
1003.29 1 $65,000 $65,000
1003.33 1 $65,000 $65,000
1003.82 1 $65,000 $65,000
1004.02 1 $65,000 $65,000
1005.16 1 $75,000 $75,000
1005.33 1 $65,000 $65,000
1007.22 1 $65,000 $65,000
1007.5 1 $65,000 $65,000
1007.71 1 $65,000 $65,000
1008.55 1 $65,000 $65,000
1008.98 1 $65,000 $65,000
1009.12 1 $65,000 $65,000
1011.34 1 $65,000 $65,000
1013.29 1 $65,000 $65,000
1013.56 1 $65,000 $65,000
1013.79 1 $75,000 $75,000
1014.45 1 $65,000 $65,000
1014.76 1 $75,000 $75,000
1017.79 1 $75,000 $75,000
1021.79 1 $75,000 $75,000
1022.45 1 $75,000 $75,000
1023.96 1 $75,000 $75,000
1025.68 1 $75,000 $75,000
1025.82 1 $75,000 $75,000
1026.79 1 $75,000 $75,000
1028.48 1 $75,000 $75,000
1028.8 1 $75,000 $75,000
1030.72 1 $75,000 $75,000
1032.76 1 $75,000 $75,000
1034.28 1 $75,000 $75,000
1040.35 1 $75,000 $75,000
1040.46 1 $75,000 $75,000
1041.18 1 $75,000 $75,000
1041.21 1 $75,000 $75,000
1041.48 1 $75,000 $75,000
1041.91 1 $75,000 $75,000
1042.11 1 $75,000 $75,000
1043.0 1 $75,000 $75,000
1044.25 1 $75,000 $75,000
1048.21 1 $75,000 $75,000
1050.25 1 $75,000 $75,000
1051.36 1 $75,000 $75,000
1051.72 1 $75,000 $75,000
1052.74 1 $75,000 $75,000
1053.36 1 $75,000 $75,000
1053.51 1 $75,000 $75,000
1053.98 1 $75,000 $75,000
1058.77 1 $75,000 $75,000
1059.49 1 $75,000 $75,000
1059.7 1 $75,000 $75,000
1059.85 1 $75,000 $75,000
1061.05 1 $75,000 $75,000
1061.84 1 $75,000 $75,000
1062.58 1 $75,000 $75,000
1063.0 1 $75,000 $75,000
1063.05 1 $75,000 $75,000
1063.2 1 $75,000 $75,000
1064.06 1 $65,000 $65,000
1065.16 1 $75,000 $75,000
1066.27 1 $75,000 $75,000
1069.72 1 $75,000 $75,000
1069.77 1 $75,000 $75,000
1070.35 1 $75,000 $75,000
1070.36 1 $75,000 $75,000
1071.09 1 $75,000 $75,000
1071.12 1 $75,000 $75,000
1077.5 1 $75,000 $75,000
1081.16 1 $75,000 $75,000
1082.46 1 $75,000 $75,000
1085.38 1 $75,000 $75,000
1086.96 1 $75,000 $75,000
1087.92 1 $75,000 $75,000
1088.59 1 $75,000 $75,000
1088.76 1 $75,000 $75,000
1089.66 1 $65,000 $65,000
1090.5 1 $75,000 $75,000
1091.5 1 $75,000 $75,000
1092.04 1 $75,000 $75,000
1093.0 1 $75,000 $75,000
1100.5 1 $75,000 $75,000
1101.55 1 $75,000 $75,000
1103.88 1 $75,000 $75,000
1106.33 1 $75,000 $75,000
1111.74 1 $75,000 $75,000
1114.74 1 $75,000 $75,000
1115.77 1 $75,000 $75,000
1116.23 1 $75,000 $75,000
1116.34 1 $75,000 $75,000
1117.27 1 $75,000 $75,000
1118.08 1 $75,000 $75,000
1118.5 1 $75,000 $75,000
1120.71 1 $75,000 $75,000
1124.3 1 $75,000 $75,000
1125.55 1 $75,000 $75,000
1128.04 1 $75,000 $75,000
1128.16 1 $75,000 $75,000
1129.62 1 $75,000 $75,000
1133.2 1 $75,000 $75,000
1137.23 1 $75,000 $75,000
1137.47 1 $75,000 $75,000
1138.42 1 $75,000 $75,000
1141.43 1 $75,000 $75,000
1142.16 1 $75,000 $75,000
1145.05 1 $75,000 $75,000
1145.45 1 $75,000 $75,000
1145.49 1 $85,000 $85,000
1146.15 1 $75,000 $75,000
1146.16 1 $75,000 $75,000
1146.48 1 $75,000 $75,000
1149.79 1 $75,000 $75,000
1152.09 1 $85,000 $85,000
1152.27 1 $75,000 $75,000
1156.48 1 $75,000 $75,000
1157.29 1 $75,000 $75,000
1159.57 1 $85,000 $85,000
1161.37 1 $85,000 $85,000
1161.51 1 $85,000 $85,000
1162.03 1 $85,000 $85,000
1162.57 1 $85,000 $85,000
1165.52 1 $85,000 $85,000
1168.3 1 $85,000 $85,000
1170.78 1 $85,000 $85,000
1171.94 1 $85,000 $85,000
1175.06 1 $85,000 $85,000
1175.46 1 $85,000 $85,000
1176.93 1 $85,000 $85,000
1179.86 1 $85,000 $85,000
1181.16 1 $85,000 $85,000
1182.45 1 $85,000 $85,000
1184.49 1 $85,000 $85,000
1185.73 1 $85,000 $85,000
1186.7 1 $85,000 $85,000
1191.08 1 $85,000 $85,000
1192.11 1 $85,000 $85,000
1194.39 1 $85,000 $85,000
1195.62 1 $85,000 $85,000
1196.26 1 $85,000 $85,000
1197.4 1 $85,000 $85,000
1198.14 1 $85,000 $85,000
1200.93 1 $85,000 $85,000
1203.1 1 $85,000 $85,000
1204.25 1 $85,000 $85,000
1205.94 1 $85,000 $85,000
1206.28 1 $85,000 $85,000
1206.4 1 $85,000 $85,000
1208.37 1 $85,000 $85,000
1209.01 1 $85,000 $85,000
1209.81 1 $85,000 $85,000
1209.95 1 $85,000 $85,000
1210.66 1 $85,000 $85,000
1212.12 1 $45,000 $45,000
1214.89 1 $85,000 $85,000
1215.47 1 $85,000 $85,000
1218.54 1 $85,000 $85,000
1237.8 1 $85,000 $85,000
1237.9 1 $85,000 $85,000
1239.25 1 $85,000 $85,000
1240.3 1 $45,000 $45,000
1241.2 1 $85,000 $85,000
1242.26 1 $85,000 $85,000
1242.95 1 $85,000 $85,000
1243.45 1 $85,000 $85,000
1244.29 1 $85,000 $85,000
1246.67 1 $85,000 $85,000
1246.69 1 $85,000 $85,000
1246.9 1 $85,000 $85,000
1247.39 1 $85,000 $85,000
1249.75 1 $85,000 $85,000
1252.36 1 $85,000 $85,000
1257.07 1 $85,000 $85,000
1258.89 1 $85,000 $85,000
1261.0 1 $45,000 $45,000
1263.99 1 $85,000 $85,000
1267.36 1 $85,000 $85,000
1267.67 1 $85,000 $85,000
1268.37 1 $95,000 $95,000
1273.3 1 $85,000 $85,000
1279.0 1 $85,000 $85,000
1281.63 1 $85,000 $85,000
1283.55 1 $45,000 $45,000
1284.25 1 $85,000 $85,000
1287.87 1 $95,000 $95,000
1289.41 1 $85,000 $85,000
1289.42 1 $85,000 $85,000
1290.34 1 $85,000 $85,000
1293.6 1 $85,000 $85,000
1301.11 1 $85,000 $85,000
1305.51 1 $85,000 $85,000
1307.98 1 $85,000 $85,000
1309.0 1 $95,000 $95,000
1309.39 1 $95,000 $95,000
1314.49 1 $95,000 $95,000
1314.66 1 $95,000 $95,000
1317.0 1 $95,000 $95,000
1320.21 1 $95,000 $95,000
1335.18 1 $95,000 $95,000
1337.01 1 $95,000 $95,000
1340.26 1 $95,000 $95,000
1340.94 1 $95,000 $95,000
1359.12 1 $45,000 $45,000
1365.23 1 $95,000 $95,000
1374.24 1 $95,000 $95,000
1389.28 1 $95,000 $95,000
1389.91 1 $95,000 $95,000
1401.54 1 $45,000 $45,000
1412.2 1 $95,000 $95,000
1412.55 1 $95,000 $95,000
1418.18 1 $95,000 $95,000
1424.35 1 $95,000 $95,000
1425.13 1 $95,000 $95,000
1427.65 1 $95,000 $95,000
1431.48 1 $95,000 $95,000
1432.0 1 $105,000 $105,000
1436.29 1 $105,000 $105,000
1443.66 1 $105,000 $105,000
1448.5 1 $105,000 $105,000
1458.88 1 $105,000 $105,000
1476.09 1 $105,000 $105,000
1487.91 1 $105,000 $105,000
1488.45 1 $105,000 $105,000
1491.4 1 $105,000 $105,000
1492.64 1 $105,000 $105,000
1500.4 1 $105,000 $105,000
1508.0 1 $105,000 $105,000
1512.99 1 $105,000 $105,000
1521.69 1 $105,000 $105,000
1523.52 1 $55,000 $55,000
1529.8 1 $55,000 $55,000
1531.46 1 $55,000 $55,000
1533.91 1 $105,000 $105,000
1535.05 1 $105,000 $105,000
1538.49 1 $105,000 $105,000
1563.73 1 $105,000 $105,000
1564.0 1 $105,000 $105,000
1566.48 1 $55,000 $55,000
1575.27 1 $105,000 $105,000
1588.76 1 $115,000 $115,000
1601.36 1 $55,000 $55,000
1606.11 1 $115,000 $115,000
1615.63 1 $115,000 $115,000
1626.18 1 $65,000 $65,000
1637.16 1 $115,000 $115,000
1646.03 1 $115,000 $115,000
1651.44 1 $115,000 $115,000
1654.75 1 $115,000 $115,000
1656.4 1 $115,000 $115,000
1659.25 1 $65,000 $65,000
1659.26 1 $115,000 $115,000
1664.5 1 $115,000 $115,000
1665.54 1 $115,000 $115,000
1677.18 1 $115,000 $115,000
1679.0 1 $115,000 $115,000
1685.77 1 $115,000 $115,000
1692.83 1 $75,000 $75,000
1693.5 1 $115,000 $115,000
1693.88 1 $55,000 $55,000
1697.76 1 $115,000 $115,000
1708.93 1 $115,000 $115,000
1710.74 1 $65,000 $65,000
1714.54 1 $115,000 $115,000
1725.85 1 $115,000 $115,000
1731.4 1 $115,000 $115,000
1734.2 1 $65,000 $65,000
1743.35 1 $115,000 $115,000
1747.26 1 $125,000 $125,000
1747.44 1 $125,000 $125,000
1757.5 1 $125,000 $125,000
1758.92 1 $65,000 $65,000
1765.3 1 $75,000 $75,000
1767.47 1 $125,000 $125,000
1769.58 1 $125,000 $125,000
1771.07 1 $125,000 $125,000
1773.76 1 $125,000 $125,000
1775.39 1 $125,000 $125,000
1782.49 1 $125,000 $125,000
1783.84 1 $125,000 $125,000
1803.66 1 $65,000 $65,000
1805.72 1 $65,000 $65,000
1808.4 1 $75,000 $75,000
1826.5 1 $75,000 $75,000
1831.96 1 $65,000 $65,000
1844.18 1 $65,000 $65,000
1845.38 1 $65,000 $65,000
1849.09 1 $125,000 $125,000
1901.3 1 $65,000 $65,000
1912.38 1 $135,000 $135,000
1915.36 1 $135,000 $135,000
1916.22 1 $135,000 $135,000
1924.43 1 $135,000 $135,000
1924.74 1 $65,000 $65,000
1930.68 1 $135,000 $135,000
1935.9 1 $135,000 $135,000
1938.49 1 $135,000 $135,000
1961.32 1 $85,000 $85,000
1969.48 1 $65,000 $65,000
1970.2 1 $65,000 $65,000
1992.98 1 $75,000 $75,000
2000.79 1 $135,000 $135,000
2005.68 1 $75,000 $75,000
2005.78 1 $145,000 $145,000
2007.06 1 $145,000 $145,000
2020.3 1 $75,000 $75,000
2029.36 1 $135,000 $135,000
2030.05 1 $135,000 $135,000
2035.48 1 $75,000 $75,000
2039.05 1 $145,000 $145,000
2059.72 1 $75,000 $75,000
2092.24 1 $75,000 $75,000
2121.44 1 $75,000 $75,000
2150.2 1 $75,000 $75,000
2171.86 1 $155,000 $155,000
2216.95 1 $155,000 $155,000
2219.08 1 $75,000 $75,000
2232.7 1 $75,000 $75,000
2253.52 1 $75,000 $75,000
2264.84 1 $85,000 $85,000
2268.16 1 $85,000 $85,000
2288.86 1 $85,000 $85,000
2317.82 1 $85,000 $85,000
2355.0 1 $85,000 $85,000
2431.35 1 $165,000 $165,000
2438.55 1 $175,000 $175,000
2454.88 1 $85,000 $85,000
247.63 1 $15,000 $15,000
2511.24 1 $85,000 $85,000
2581.66 1 $95,000 $95,000
2613.1 1 $95,000 $95,000
261.62 1 $15,000 $15,000
2651.8 1 $95,000 $95,000
2669.06 1 $95,000 $95,000
2883.64 1 $105,000 $105,000
2946.74 1 $105,000 $105,000
3137.92 1 $105,000 $105,000
319.99 1 $25,000 $25,000
3240.26 1 $115,000 $115,000
3331.06 1 $115,000 $115,000
3348.4 1 $115,000 $115,000
3481.0 1 $125,000 $125,000
3555.94 1 $125,000 $125,000
357.16 1 $25,000 $25,000
3608.42 1 $125,000 $125,000
3613.96 1 $125,000 $125,000
3670.48 1 $125,000 $125,000
3768.67 1 $155,000 $155,000
3811.3 1 $135,000 $135,000
387.65 1 $25,000 $25,000
4.0 26 $1,200,000 $46,154
4040.5 1 $145,000 $145,000
4132.66 1 $145,000 $145,000
4243.6 1 $145,000 $145,000
4282.82 1 $155,000 $155,000
443.17 1 $35,000 $35,000
475.9 1 $35,000 $35,000
478.84 1 $35,000 $35,000
488.05 1 $35,000 $35,000
491.0 1 $35,000 $35,000
513.85 1 $35,000 $35,000
516.93 1 $35,000 $35,000
531.44 1 $35,000 $35,000
536.24 1 $35,000 $35,000
538.97 1 $35,000 $35,000
543.22 1 $35,000 $35,000
553.81 1 $35,000 $35,000
560.04 1 $35,000 $35,000
561.33 1 $35,000 $35,000
563.81 1 $35,000 $35,000
573.02 1 $35,000 $35,000
574.0 1 $45,000 $45,000
578.04 1 $45,000 $45,000
583.9 2 $80,000 $40,000
598.05 1 $45,000 $45,000
598.13 1 $45,000 $45,000
598.68 1 $45,000 $45,000
600.47 1 $45,000 $45,000
6011.24 1 $215,000 $215,000
602.58 1 $45,000 $45,000
606.1 1 $45,000 $45,000
611.52 1 $45,000 $45,000
629.74 1 $45,000 $45,000
635.59 1 $45,000 $45,000
635.78 1 $45,000 $45,000
640.38 1 $45,000 $45,000
644.43 1 $45,000 $45,000
646.47 1 $45,000 $45,000
647.43 1 $45,000 $45,000
647.5 2 $90,000 $45,000
650.09 1 $45,000 $45,000
651.06 1 $45,000 $45,000
653.13 1 $45,000 $45,000
657.4 1 $45,000 $45,000
658.51 1 $45,000 $45,000
659.31 1 $45,000 $45,000
662.46 1 $45,000 $45,000
664.0 1 $45,000 $45,000
664.19 1 $45,000 $45,000
664.91 1 $45,000 $45,000
667.34 1 $45,000 $45,000
668.01 1 $45,000 $45,000
668.66 1 $45,000 $45,000
670.61 1 $45,000 $45,000
674.73 1 $45,000 $45,000
675.01 1 $45,000 $45,000
675.24 1 $45,000 $45,000
675.84 1 $45,000 $45,000
677.74 1 $45,000 $45,000
678.4 1 $45,000 $45,000
678.94 1 $45,000 $45,000
678.97 1 $45,000 $45,000
679.0 1 $45,000 $45,000
679.4 1 $45,000 $45,000
683.56 1 $45,000 $45,000
684.25 1 $45,000 $45,000
684.46 1 $45,000 $45,000
685.53 1 $45,000 $45,000
687.39 1 $45,000 $45,000
688.78 1 $45,000 $45,000
692.43 1 $45,000 $45,000
694.0 1 $45,000 $45,000
700.0 2 $90,000 $45,000
701.73 1 $45,000 $45,000
701.88 1 $45,000 $45,000
703.6 1 $45,000 $45,000
703.75 1 $45,000 $45,000
706.07 1 $45,000 $45,000
707.2 1 $45,000 $45,000
707.5 1 $55,000 $55,000
708.03 1 $45,000 $45,000
709.36 1 $45,000 $45,000
709.41 1 $45,000 $45,000
712.79 1 $45,000 $45,000
715.87 1 $45,000 $45,000
716.29 1 $55,000 $55,000
716.54 1 $45,000 $45,000
716.8 1 $55,000 $55,000
718.19 1 $45,000 $45,000
718.99 1 $55,000 $55,000
719.97 1 $55,000 $55,000
720.1 2 $100,000 $50,000
721.15 1 $55,000 $55,000
721.26 1 $55,000 $55,000
722.5 1 $45,000 $45,000
722.73 1 $45,000 $45,000
723.55 1 $55,000 $55,000
723.63 1 $55,000 $55,000
726.25 1 $45,000 $45,000
728.25 1 $55,000 $55,000
731.5 2 $110,000 $55,000
731.54 1 $55,000 $55,000
733.82 1 $55,000 $55,000
735.41 1 $55,000 $55,000
737.72 1 $55,000 $55,000
740.35 1 $55,000 $55,000
740.66 1 $55,000 $55,000
743.36 1 $55,000 $55,000
745.11 1 $55,000 $55,000
745.29 1 $55,000 $55,000
746.53 1 $55,000 $55,000
746.94 1 $55,000 $55,000
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752.5 1 $55,000 $55,000
753.71 1 $55,000 $55,000
754.65 1 $55,000 $55,000
755.11 1 $55,000 $55,000
762.69 1 $55,000 $55,000
763.75 1 $55,000 $55,000
764.14 1 $55,000 $55,000
765.1 1 $55,000 $55,000
765.36 1 $55,000 $55,000
765.89 1 $55,000 $55,000
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767.73 1 $55,000 $55,000
768.25 1 $55,000 $55,000
771.41 1 $55,000 $55,000
772.9 1 $55,000 $55,000
774.63 1 $55,000 $55,000
774.78 1 $55,000 $55,000
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779.54 1 $55,000 $55,000
780.69 1 $55,000 $55,000
782.2 1 $55,000 $55,000
787.09 1 $55,000 $55,000
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790.93 1 $55,000 $55,000
791.79 1 $55,000 $55,000
793.26 1 $55,000 $55,000
793.9 1 $55,000 $55,000
796.68 1 $55,000 $55,000
799.36 2 $110,000 $55,000
799.77 1 $55,000 $55,000
801.64 1 $55,000 $55,000
801.84 1 $55,000 $55,000
802.08 1 $55,000 $55,000
802.6 1 $55,000 $55,000
802.89 1 $55,000 $55,000
803.58 1 $55,000 $55,000
805.87 1 $55,000 $55,000
807.1 1 $55,000 $55,000
808.02 1 $55,000 $55,000
808.03 1 $55,000 $55,000
808.68 1 $55,000 $55,000
808.96 1 $55,000 $55,000
813.32 1 $55,000 $55,000
813.93 1 $55,000 $55,000
814.09 1 $55,000 $55,000
814.17 1 $55,000 $55,000
814.75 1 $55,000 $55,000
816.03 1 $55,000 $55,000
817.56 1 $55,000 $55,000
819.4 1 $55,000 $55,000
819.77 1 $55,000 $55,000
820.95 1 $55,000 $55,000
822.51 1 $55,000 $55,000
824.05 1 $55,000 $55,000
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826.53 1 $55,000 $55,000
828.74 1 $55,000 $55,000
828.93 1 $55,000 $55,000
829.0 2 $110,000 $55,000
830.73 1 $55,000 $55,000
831.4 1 $55,000 $55,000
833.5 1 $55,000 $55,000
834.07 1 $55,000 $55,000
834.57 1 $55,000 $55,000
834.96 1 $55,000 $55,000
836.46 1 $55,000 $55,000
839.48 1 $55,000 $55,000
842.16 1 $55,000 $55,000
844.17 1 $55,000 $55,000
844.75 1 $55,000 $55,000
844.83 1 $55,000 $55,000
844.95 1 $55,000 $55,000
845.4 1 $55,000 $55,000
845.42 1 $55,000 $55,000
846.67 1 $55,000 $55,000
847.24 1 $55,000 $55,000
847.37 1 $55,000 $55,000
848.4 1 $55,000 $55,000
855.1 1 $55,000 $55,000
855.27 1 $65,000 $65,000
855.49 1 $65,000 $65,000
857.5 2 $120,000 $60,000
858.49 1 $55,000 $55,000
858.79 1 $55,000 $55,000
859.0 1 $65,000 $65,000
859.23 1 $65,000 $65,000
860.25 1 $55,000 $55,000
861.75 1 $55,000 $55,000
863.22 1 $65,000 $65,000
864.1 1 $55,000 $55,000
864.4 1 $65,000 $65,000
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866.05 1 $65,000 $65,000
866.43 1 $65,000 $65,000
868.23 1 $65,000 $65,000
868.25 1 $65,000 $65,000
868.86 1 $55,000 $55,000
869.1 1 $65,000 $65,000
871.3 1 $65,000 $65,000
872.86 1 $65,000 $65,000
874.71 1 $55,000 $55,000
876.12 1 $65,000 $65,000
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877.64 1 $55,000 $55,000
878.21 1 $65,000 $65,000
878.53 1 $65,000 $65,000
880.83 1 $65,000 $65,000
881.56 1 $65,000 $65,000
882.17 1 $65,000 $65,000
882.96 2 $130,000 $65,000
885.74 1 $65,000 $65,000
885.97 1 $65,000 $65,000
886.4 1 $65,000 $65,000
887.13 1 $65,000 $65,000
887.22 1 $65,000 $65,000
888.66 1 $65,000 $65,000
889.05 1 $65,000 $65,000
890.61 1 $65,000 $65,000
891.19 1 $65,000 $65,000
892.39 1 $65,000 $65,000
892.78 1 $65,000 $65,000
893.0 1 $65,000 $65,000
893.65 2 $130,000 $65,000
894.54 1 $65,000 $65,000
895.0 1 $65,000 $65,000
896.06 1 $65,000 $65,000
896.4 1 $65,000 $65,000
896.56 1 $65,000 $65,000
896.92 1 $65,000 $65,000
897.66 2 $130,000 $65,000
897.76 1 $65,000 $65,000
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898.72 1 $65,000 $65,000
902.5 2 $130,000 $65,000
903.1 1 $65,000 $65,000
903.79 1 $65,000 $65,000
903.93 1 $65,000 $65,000
904.63 1 $65,000 $65,000
905.87 1 $65,000 $65,000
906.21 1 $65,000 $65,000
907.15 1 $65,000 $65,000
909.99 1 $65,000 $65,000
912.36 1 $65,000 $65,000
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914.94 1 $65,000 $65,000
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917.46 1 $65,000 $65,000
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918.05 1 $65,000 $65,000
918.86 1 $65,000 $65,000
920.0 1 $65,000 $65,000
921.55 1 $65,000 $65,000
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921.96 1 $65,000 $65,000
922.49 1 $65,000 $65,000
922.67 1 $65,000 $65,000
924.12 1 $65,000 $65,000
924.66 1 $65,000 $65,000
926.7 1 $65,000 $65,000
927.33 1 $65,000 $65,000
929.56 1 $65,000 $65,000
931.0 1 $65,000 $65,000
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934.15 2 $130,000 $65,000
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935.88 1 $65,000 $65,000
937.07 1 $65,000 $65,000
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945.93 1 $65,000 $65,000
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959.08 1 $65,000 $65,000
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960.82 1 $65,000 $65,000
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962.88 1 $65,000 $65,000
963.72 1 $65,000 $65,000
963.96 1 $65,000 $65,000
968.98 1 $65,000 $65,000
969.37 1 $65,000 $65,000
969.4 1 $65,000 $65,000
969.66 1 $65,000 $65,000
970.14 1 $65,000 $65,000
971.16 1 $65,000 $65,000
972.7 1 $65,000 $65,000
972.75 1 $65,000 $65,000
973.31 1 $65,000 $65,000
974.5 1 $65,000 $65,000
975.96 1 $65,000 $65,000
977.46 1 $65,000 $65,000
977.5 1 $65,000 $65,000
977.83 1 $65,000 $65,000
979.38 1 $65,000 $65,000
979.49 2 $130,000 $65,000
979.52 1 $65,000 $65,000
979.74 1 $65,000 $65,000
979.98 1 $65,000 $65,000
980.2 1 $65,000 $65,000
980.95 1 $65,000 $65,000
981.14 1 $65,000 $65,000
981.17 1 $65,000 $65,000
982.89 1 $65,000 $65,000
983.16 1 $65,000 $65,000
984.51 1 $65,000 $65,000
985.4 1 $65,000 $65,000
986.3 1 $65,000 $65,000
986.88 1 $65,000 $65,000
987.58 1 $65,000 $65,000
988.11 1 $65,000 $65,000
988.45 1 $65,000 $65,000
988.56 1 $65,000 $65,000
989.12 1 $65,000 $65,000
990.62 1 $65,000 $65,000
991.14 1 $65,000 $65,000
991.15 1 $65,000 $65,000
991.17 1 $65,000 $65,000
992.98 1 $65,000 $65,000
994.75 1 $65,000 $65,000
995.15 1 $65,000 $65,000
995.6 1 $75,000 $75,000
995.73 1 $65,000 $65,000
995.82 1 $65,000 $65,000
996.09 1 $65,000 $65,000
997.6 1 $65,000 $65,000
997.68 1 $65,000 $65,000
998.5 1 $65,000 $65,000
999.51 1 $65,000 $65,000
999.81 1 $65,000 $65,000
NA 1,638 $781,820,000 $477,302

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
2,392 $835,430,000 $349,260

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 117 $29,775,000 $254,487 $3,449 3.30%
40-60% 294 $122,290,000 $415,952 $4,574 3.37%
60-80% 882 $456,790,000 $517,902 $6,527 4.05%
80-100% 1,046 $217,610,000 $208,040 $5,530 5.74%
Over 100% 20 $4,780,000 $239,000 $10,686 3.78%
Under 20% 17 $1,165,000 $68,529 $1,392 4.27%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
ROYAL UNITED MORTGAGE LLC Conventional home mortgage Closing on a mortgage 2 33.3%
ROYAL UNITED MORTGAGE LLC Conventional home mortgage Trouble during payment process 1 16.7%
ROYAL UNITED MORTGAGE LLC FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 16.7%
ROYAL UNITED MORTGAGE LLC Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 33.3%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Reliant Bank 2070 Wilma Rudolph Blvd Clarksville, TN 37040 Full Service B&M $85,532
Reliant Bank 101 Creekstone Blvd Franklin, TN 37064 Full Service B&M $66,017
Reliant Bank 101 W. Kingston Springs Road, Suite A Kingston Springs, TN 37082 Full Service B&M $69
Reliant Bank 1024 Dr. Martin L. King Jr. Blvd Nashville, TN 37203 Full Service B&M $69,702
Reliant Bank 106 Public Square Mount Pleasant, TN 38474 Full Service B&M $49,410
Reliant Bank 1204 Nashville Pike Gallatin, TN 37066 Full Service B&M $135,035
Reliant Bank 1206 Hwy 48, 1265 Clarksville, TN 37040 Full Service B&M $38,409
Reliant Bank 1412 Trotwood Avenue Columbia, TN 38401 Full Service B&M $0
Reliant Bank 1430 Madison Street Clarksville, TN 37040 Full Service B&M $184,482
Reliant Bank 170-C Market Place Boulevard Knoxville, TN 37922 Limited, Drive-thru $0
Reliant Bank 1736 Carothers Pkwy, Suite 100 Brentwood, TN 37027 Full Service B&M $595,838
Reliant Bank 1800 Fort Campbell Boulevard Clarksville, TN 37042 Full Service B&M $427
Reliant Bank 1835 East Northfield Boulevard Murfreesboro, TN 37130 Full Service B&M $33,335
Reliant Bank 1929 Madison St Clarksville, TN 37043 Full Service B&M $106,518
Reliant Bank 701 South Main Street Springfield, TN 37172 Full Service B&M $243,199
Reliant Bank 704 Highway 70 Pegram, TN 37143 Full Service B&M $87,638
Reliant Bank 2566 Highway 49 E Pleasant View, TN 37146 Full Service B&M $52,667
Reliant Bank 314 North Public Square Centerville, TN 37033 Full Service B&M $106,488
Reliant Bank 4108 Hillsboro Pike Nashville, TN 37215 Full Service B&M $21,651
Reliant Bank 425 East Main Street Gallatin, TN 37066 Full Service B&M $70,840
Reliant Bank 4809 Columbia Pike Thompsons Station, TN 37179 Full Service B&M $32,408
Reliant Bank 501 South James M. Campbell Boulevard Columbia, TN 38401 Full Service B&M $202,756
Reliant Bank 5109 Peter Taylor Park Drive Brentwood, TN 37027 Full Service B&M $48,840
Reliant Bank 5200 Highway 100 Lyles, TN 37098 Full Service B&M $37,195
Reliant Bank 575 South Main Street Ashland City, TN 37015 Full Service B&M $71,767
Reliant Bank 6005 Nolensville Road Nashville, TN 37211 Full Service B&M $94,363
Reliant Bank 601 North Garden Street Columbia, TN 38401 Full Service B&M $144,818
Reliant Bank 633 Chestnut Street, Suite 100 Chattanooga, TN 37450 Full Service B&M $52,031

For 2021, Reliant Bank had 28 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $136,986
Net interest income $122,832
Total noninterest income $28,522
Gross Fiduciary activities income $0
Service charges on deposit accounts $1,375
Trading account gains and fees $0
Additional Noninterest Income $27,147
Pre-tax net operating income $66,189
Securities gains (or losses, -) $5,517
Income before extraordinary items $58,851
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $58,851
Minority interest net income $1,105
Net income $57,746
Sale, conversion, retirement of capital stock, net $2,013
Net operating income $54,327

Reliant Bank's gross interest income from loans was $136,986,000.
Reliant Bank's net interest income from loans was $122,832,000.
Reliant Bank's fee based income from loans was $1,375,000.
Reliant Bank's net income from loans was $57,746,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $14,154
Provision for credit losses $0
Total noninterest expense $85,165
Salaries and employee benefits $51,348
Premises and equipment expense $8,737
Additional noninterest expense $25,080
Applicable income taxes $12,855
Net charge-offs $806
Cash dividends $20,050

Reliant Bank's interest expense for loans was $14,154,000.
Reliant Bank's payroll and benefits expense were $51,348,000.
Reliant Bank's property, plant and equipment expenses $8,737,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.5%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $2,513,226
Deposits held in domestic offices $2,513,226
Deposits by Individuals, partnerships, and corporations $2,176,739
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $309,658
Deposits by Commercial banks and other depository institutions in U.S. $26,829
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $1,127,008
Demand deposits $723,520
Nontransaction accounts $1,386,218
Money market deposit accounts (MMDAs) $801,571
Other savings deposits (excluding MMDAs) $189,526
Total time deposits $395,123
Total time and savings deposits $1,789,706
Noninterest-bearing deposits $678,465
Interest-bearing deposits $1,834,761
Retail deposits $2,229,367
IRAs and Keogh plan accounts $35,321
Brokered deposits $185,992
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $2,996,642
Cash & Balances due from depository institutions $57,117
Interest-bearing balances $41,481
Total securities $249,017
Federal funds sold & reverse repurchase $1,676
Net loans and leases $2,441,242
Loan and leases loss allowance $19,830
Trading account assets $0
Bank premises and fixed assets $39,295
Other real estate owned $2,044
Goodwill and other intangibles $63,917
All other assets $142,334

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $2,996,642
Total Liabilities $2,570,662
Total deposits $2,513,226
Interest-bearing deposits $1,834,761
Deposits held in domestic offices $2,513,226
% insured (estimated) $50
Federal funds purchased and repurchase agreements $27,000
Trading liabilities $0
Other borrowed funds $15
Subordinated debt $0
All other liabilities $30,421

Issued Loan Types

Type Value (in 000's)
Net loans and leases $2,441,242
Loan and leases loss allowance $19,830
Total loans and leases (domestic) $2,461,072
All real estate loans $1,762,890
Real estate loans in domestic offices $1,762,890
Construction and development loans $409,896
Residential 1-4 family construction $167,957
Other construction, all land development and other land $241,939
Loans secured by nonfarm nonresidential properties $795,179
Nonfarm nonresidential secured by owner-occupied properties $264,640
Commercial real estate & other non-farm, non-residential $530,539
Multifamily residential real estate $53,592
1-4 family residential loans $472,128
Farmland loans $32,095
Loans held in foreign offices $0
Farm loans $8,948
Commercial and industrial loans $440,800
To non-U.S. addressees $0
Loans to individuals $245,717
Credit card loans $1,118
Related Plans $9,023
Consumer Auto Loans $1,853
Other loans to individuals $233,723
All other loans & leases $6,076
Loans to foreign governments and official institutions $0
Other loans $3,642
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $64,946
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $0
Non 1-4 family restructured loans & leases $0
Total loans and leases (foreign) $0

Reliant Bank had $2,441,242,000 of loans outstanding in 2021. $1,762,890,000 of loans were in real estate loans. $409,896,000 of loans were in development loans. $53,592,000 of loans were in multifamily mortgage loans. $472,128,000 of loans were in 1-4 family mortgage loans. $8,948,000 of loans were in farm loans. $1,118,000 of loans were in credit card loans. $1,853,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 566 $159,200 $281,272
Nonfarm, nonresidential loans - <$100k 67 $2,770 $41,343
Nonfarm, nonresidential loans - $100-250k 156 $19,923 $127,712
Nonfarm, nonresidential loans - $250k-1MM 343 $136,507 $397,980
Commercial & Industrial, US addressed loans - <$1MM 666 $63,605 $95,503
Commercial & Industrial, US addressed loans - <$100k 352 $10,234 $29,074
Commercial & Industrial, US addressed loans - $100-250k 183 $16,840 $92,022
Commercial & Industrial, US addressed loans - $250k-1MM 131 $36,531 $278,863
Farmland loans - <$1MM 97 $14,644 $150,969
Farmland loans - <$100k 31 $1,386 $44,710
Farmland loans - $100-250k 40 $5,439 $135,975
Farmland loans - $250k-1MM 26 $7,819 $300,731
Agriculture operations loans - <$1MM 109 $7,878 $72,275
Agriculture operations loans - <$100k 60 $1,412 $23,533
Agriculture operations loans - $100-250k 33 $3,132 $94,909
Agriculture operations loans - $250k-1MM 16 $3,334 $208,375