Reliance First Capital Mortgage Rates, Fees & Info
WILMINGTON, DELEI: 549300YW2UBCMDRMBT48
Tax ID: 26-2261031
1.7 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Reliance First Capital is a small mortgage company specializing in Cash Out Refi loans. Reliance First Capital has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include New York, Charlotte, Cleveland, Washington, and Boston among others. Reliance First Capital 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. Reliance First Capital is typically a high fee lendor.Originations
7,479Origination Dollar Volume (All Markets)
$1,613,195,000Awards
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RELIANCE FIRST CAPITAL - 2021
RELIANCE FIRST CAPITAL is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Reliance First Capital 's average 30 year fixed rate mortgage of loans were
3.12%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.03%.
Relative Fees
Reliance First Capital 's average total fees for a 30 year fixed rate
mortgage are $8,189.
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 |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 587 | $213,485,000 | $363,688 | $11,564 | 2.98% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 413 | $93,005,000 | $225,194 | $7,248 | 3.06% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 419 | $76,165,000 | $181,778 | $5,904 | 3.16% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 210 | $65,880,000 | $313,714 | $9,218 | 3.01% |
| Outside of Metro Areas | 304 | $54,840,000 | $180,395 | $7,113 | 2.96% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 183 | $52,925,000 | $289,208 | $9,662 | 2.94% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 222 | $51,200,000 | $230,631 | $8,226 | 3.10% |
| PITTSBURGH, PA (FHA|USDA|VA) | 264 | $46,970,000 | $177,917 | $6,930 | 2.93% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 188 | $40,450,000 | $215,160 | $8,842 | 2.98% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 191 | $37,935,000 | $198,613 | $7,685 | 3.07% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 92 | $23,430,000 | $254,674 | $9,036 | 2.95% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 102 | $22,690,000 | $222,451 | $6,871 | 2.98% |
| COLUMBUS, OH (FHA|USDA|VA) | 111 | $22,675,000 | $204,279 | $7,695 | 3.01% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 105 | $21,195,000 | $201,857 | $7,818 | 3.01% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 92 | $19,630,000 | $213,370 | $7,675 | 3.09% |
| RICHMOND, VA (FHA|USDA|VA) | 87 | $18,715,000 | $215,115 | $7,651 | 3.10% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 65 | $15,325,000 | $235,769 | $7,866 | 3.05% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 79 | $14,075,000 | $178,165 | $6,446 | 3.05% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 79 | $13,645,000 | $172,722 | $6,277 | 2.98% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 72 | $13,380,000 | $185,833 | $7,581 | 3.04% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 61 | $12,825,000 | $210,246 | $6,675 | 3.23% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 53 | $12,395,000 | $233,868 | $7,157 | 3.09% |
| AKRON, OH (FHA|USDA|VA) | 63 | $11,525,000 | $182,937 | $5,974 | 3.06% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 44 | $11,340,000 | $257,727 | $9,294 | 2.83% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 47 | $11,205,000 | $238,404 | $9,055 | 2.94% |
| KNOXVILLE, TN (FHA|USDA|VA) | 59 | $11,115,000 | $188,390 | $7,091 | 3.03% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 49 | $11,015,000 | $224,796 | $8,982 | 2.84% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 49 | $10,855,000 | $221,531 | $7,898 | 3.09% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 65 | $10,655,000 | $163,923 | $6,269 | 2.93% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 51 | $10,085,000 | $197,745 | $7,499 | 2.91% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 50 | $9,430,000 | $188,600 | $6,653 | 2.95% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 43 | $9,275,000 | $215,698 | $7,399 | 3.03% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 56 | $9,110,000 | $162,679 | $5,198 | 3.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 45 | $9,025,000 | $200,556 | $6,944 | 3.13% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 38 | $8,820,000 | $232,105 | $9,383 | 2.82% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 47 | $8,385,000 | $178,404 | $6,771 | 3.03% |
| ASHEVILLE, NC (FHA|USDA|VA) | 42 | $8,280,000 | $197,143 | $6,638 | 3.02% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 42 | $8,200,000 | $195,238 | $6,493 | 3.01% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 30 | $8,170,000 | $272,333 | $10,849 | 3.02% |
| COLUMBIA, SC (FHA|USDA|VA) | 42 | $8,120,000 | $193,333 | $6,717 | 3.08% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 30 | $7,880,000 | $262,667 | $9,699 | 3.11% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 41 | $7,855,000 | $191,585 | $6,793 | 3.07% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 38 | $7,630,000 | $200,789 | $7,764 | 3.05% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 37 | $7,605,000 | $205,541 | $7,710 | 3.04% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 41 | $7,145,000 | $174,268 | $7,052 | 3.09% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 25 | $7,045,000 | $281,800 | $9,827 | 3.01% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 36 | $6,780,000 | $188,333 | $6,622 | 2.97% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 41 | $6,725,000 | $164,024 | $6,160 | 3.09% |
| ROCHESTER, NY (FHA|USDA|VA) | 41 | $6,645,000 | $162,073 | $7,294 | 3.00% |
| Concord, NH (FHA|USDA|VA) | 22 | $6,450,000 | $293,182 | $8,335 | 2.95% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 37 | $6,255,000 | $169,054 | $7,240 | 3.06% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 32 | $6,020,000 | $188,125 | $8,238 | 2.97% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 33 | $5,985,000 | $181,364 | $6,837 | 2.91% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 17 | $5,785,000 | $340,294 | $9,608 | 2.99% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 33 | $5,625,000 | $170,455 | $6,071 | 2.90% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 24 | $5,490,000 | $228,750 | $8,674 | 2.78% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 28 | $5,450,000 | $194,643 | $8,388 | 3.00% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 28 | $5,240,000 | $187,143 | $5,833 | 3.23% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 19 | $5,225,000 | $275,000 | $8,868 | 3.04% |
| READING, PA (FHA|USDA|VA) | 26 | $4,870,000 | $187,308 | $8,698 | 2.94% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 25 | $4,855,000 | $194,200 | $6,564 | 2.88% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 10 | $4,800,000 | $480,000 | $12,270 | 2.98% |
| SYRACUSE, NY (FHA|USDA|VA) | 31 | $4,795,000 | $154,677 | $6,568 | 2.89% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 24 | $4,760,000 | $198,333 | $6,216 | 2.86% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 28 | $4,750,000 | $169,643 | $7,446 | 2.97% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 28 | $4,680,000 | $167,143 | $5,467 | 3.13% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 25 | $4,585,000 | $183,400 | $6,531 | 3.10% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 24 | $4,300,000 | $179,167 | $6,675 | 2.98% |
| WILMINGTON, NC (FHA|USDA|VA) | 25 | $4,295,000 | $171,800 | $5,651 | 3.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 15 | $3,955,000 | $263,667 | $9,189 | 2.94% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 23 | $3,865,000 | $168,043 | $6,492 | 3.08% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 24 | $3,710,000 | $154,583 | $5,569 | 3.14% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 19 | $3,645,000 | $191,842 | $8,403 | 3.01% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 21 | $3,615,000 | $172,143 | $7,271 | 3.20% |
| BATON ROUGE, LA (FHA|USDA|VA) | 16 | $3,590,000 | $224,375 | $8,698 | 3.12% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 20 | $3,550,000 | $177,500 | $7,391 | 2.90% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 14 | $3,460,000 | $247,143 | $7,459 | 3.02% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 12 | $3,430,000 | $285,833 | $10,029 | 3.07% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 21 | $3,415,000 | $162,619 | $6,408 | 3.02% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 20 | $3,360,000 | $168,000 | $7,791 | 2.84% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 21 | $3,305,000 | $157,381 | $6,429 | 3.08% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 19 | $3,155,000 | $166,053 | $6,004 | 3.08% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 18 | $3,120,000 | $173,333 | $7,780 | 2.86% |
| TOLEDO, OH (FHA|USDA|VA) | 23 | $3,105,000 | $135,000 | $5,772 | 2.94% |
| BURLINGTON, NC (FHA|USDA|VA) | 19 | $3,095,000 | $162,895 | $5,860 | 3.11% |
| LANCASTER, PA (FHA|USDA|VA) | 17 | $2,915,000 | $171,471 | $7,269 | 2.70% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 12 | $2,890,000 | $240,833 | $7,265 | 3.13% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 11 | $2,885,000 | $262,273 | $9,308 | 3.03% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 10 | $2,850,000 | $285,000 | $7,865 | 3.00% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 21 | $2,825,000 | $134,524 | $7,237 | 2.92% |
| KINGSTON, NY (FHA|USDA|VA) | 11 | $2,765,000 | $251,364 | $9,824 | 3.08% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 10 | $2,690,000 | $269,000 | $7,528 | 3.07% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 15 | $2,635,000 | $175,667 | $7,423 | 3.00% |
| TUCSON, AZ (FHA|USDA|VA) | 11 | $2,535,000 | $230,455 | $6,944 | 2.86% |
| ROANOKE, VA (FHA|USDA|VA) | 14 | $2,530,000 | $180,714 | $6,688 | 3.11% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 10 | $2,530,000 | $253,000 | $8,042 | 3.14% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 17 | $2,485,000 | $146,176 | $6,241 | 2.87% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 11 | $2,475,000 | $225,000 | $7,329 | 3.07% |
| MONTGOMERY, AL (FHA|USDA|VA) | 11 | $2,445,000 | $222,273 | $7,684 | 2.83% |
| SPARTANBURG, SC (FHA|USDA|VA) | 14 | $2,360,000 | $168,571 | $6,383 | 3.05% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 15 | $2,345,000 | $156,333 | $4,800 | 3.02% |
| FORT WAYNE, IN (FHA|USDA|VA) | 15 | $2,295,000 | $153,000 | $6,040 | 3.07% |
| SAVANNAH, GA (FHA|USDA|VA) | 11 | $2,265,000 | $205,909 | $7,669 | 3.15% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 8 | $2,170,000 | $271,250 | $6,452 | 3.26% |
| Torrington, CT (FHA|USDA|VA) | 10 | $2,110,000 | $211,000 | $8,523 | 3.09% |
| Sevierville, TN (FHA|USDA|VA) | 12 | $2,060,000 | $171,667 | $6,931 | 2.99% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $2,030,000 | $338,333 | $10,895 | 3.10% |
| GLENS FALLS, NY (FHA|USDA|VA) | 10 | $2,010,000 | $201,000 | $7,571 | 2.92% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 8 | $1,990,000 | $248,750 | $10,164 | 2.83% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 9 | $1,925,000 | $213,889 | $7,594 | 2.97% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 9 | $1,905,000 | $211,667 | $6,890 | 2.91% |
| CLEVELAND, TN (FHA|USDA|VA) | 11 | $1,885,000 | $171,364 | $6,586 | 2.94% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 11 | $1,785,000 | $162,273 | $8,251 | 3.07% |
| Lebanon, NH-VT (FHA|USDA|VA) | 10 | $1,780,000 | $178,000 | $6,799 | 2.82% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 10 | $1,750,000 | $175,000 | $7,750 | 2.71% |
| GOLDSBORO, NC (FHA|USDA|VA) | 10 | $1,750,000 | $175,000 | $7,135 | 3.33% |
| Shelby, NC (FHA|USDA|VA) | 12 | $1,720,000 | $143,333 | $5,338 | 2.91% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 10 | $1,680,000 | $168,000 | $7,294 | 2.95% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 6 | $1,670,000 | $278,333 | $9,705 | 2.96% |
| Seneca, SC (FHA|USDA|VA) | 8 | $1,640,000 | $205,000 | $7,344 | 3.11% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 4 | $1,610,000 | $402,500 | $14,056 | 3.22% |
| Cookeville, TN (FHA|USDA|VA) | 8 | $1,590,000 | $198,750 | $8,752 | 3.08% |
| ERIE, PA (FHA|USDA|VA) | 10 | $1,550,000 | $155,000 | $7,474 | 2.87% |
| SUMTER, SC (FHA|USDA|VA) | 8 | $1,550,000 | $193,750 | $6,696 | 3.11% |
| MOBILE, AL (FHA|USDA|VA) | 9 | $1,545,000 | $171,667 | $7,142 | 3.10% |
| GETTYSBURG, PA (FHA|USDA|VA) | 7 | $1,535,000 | $219,286 | $9,426 | 2.86% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 7 | $1,535,000 | $219,286 | $7,436 | 3.05% |
| Laconia, NH (FHA|USDA|VA) | 9 | $1,535,000 | $170,556 | $7,500 | 2.86% |
| Hudson, NY (FHA|USDA|VA) | 7 | $1,535,000 | $219,286 | $9,252 | 2.62% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 9 | $1,485,000 | $165,000 | $7,578 | 2.79% |
| OCALA, FL (FHA|USDA|VA) | 10 | $1,480,000 | $148,000 | $6,192 | 2.94% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $7,678 | 3.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 10 | $1,420,000 | $142,000 | $6,256 | 3.04% |
| SALEM, OR (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $6,944 | 3.10% |
| MORRISTOWN, TN (FHA|USDA|VA) | 7 | $1,395,000 | $199,286 | $8,154 | 2.91% |
| BINGHAMTON, NY (FHA|USDA|VA) | 11 | $1,395,000 | $126,818 | $6,002 | 3.09% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 8 | $1,370,000 | $171,250 | $7,243 | 3.23% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 7 | $1,365,000 | $195,000 | $6,119 | 2.96% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 9 | $1,365,000 | $151,667 | $6,766 | 3.15% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 8 | $1,350,000 | $168,750 | $5,943 | 3.14% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 9 | $1,335,000 | $148,333 | $6,087 | 2.86% |
| Albemarle, NC (FHA|USDA|VA) | 7 | $1,325,000 | $189,286 | $7,358 | 3.03% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 8 | $1,320,000 | $165,000 | $6,265 | 3.08% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 9 | $1,315,000 | $146,111 | $7,986 | 2.90% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 8 | $1,310,000 | $163,750 | $7,207 | 3.11% |
| LAFAYETTE, LA (FHA|USDA|VA) | 9 | $1,285,000 | $142,778 | $6,369 | 2.68% |
| JACKSON, TN (FHA|USDA|VA) | 8 | $1,260,000 | $157,500 | $5,971 | 3.07% |
| Wilson, NC (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $8,338 | 3.04% |
| Española, NM (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $9,464 | 2.83% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 8 | $1,230,000 | $153,750 | $5,778 | 3.00% |
| Georgetown, SC (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $8,352 | 2.90% |
| Keene, NH (FHA|USDA|VA) | 7 | $1,205,000 | $172,143 | $6,853 | 2.79% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 6 | $1,200,000 | $200,000 | $7,385 | 2.96% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 7 | $1,185,000 | $169,286 | $5,328 | 2.98% |
| Boone, NC (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $6,508 | 3.10% |
| NEW BERN, NC (FHA|USDA|VA) | 7 | $1,165,000 | $166,429 | $5,489 | 2.80% |
| PITTSFIELD, MA (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $8,402 | 3.40% |
| ANN ARBOR, MI (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $8,807 | 2.88% |
| LAS CRUCES, NM (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $6,664 | 3.08% |
| BANGOR, ME (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $6,145 | 2.79% |
| JACKSON, MS (FHA|USDA|VA) | 6 | $1,140,000 | $190,000 | $5,682 | 3.60% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $7,361 | 3.28% |
| CHEYENNE, WY (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $8,752 | 3.13% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $7,689 | 3.00% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $7,512 | 2.95% |
| MONROE, LA (FHA|USDA|VA) | 7 | $1,105,000 | $157,857 | $5,377 | 2.96% |
| LYNCHBURG, VA (FHA|USDA|VA) | 7 | $1,095,000 | $156,429 | $7,025 | 3.00% |
| STAUNTON, VA (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $7,881 | 3.33% |
| FLINT, MI (FHA|USDA|VA) | 6 | $1,050,000 | $175,000 | $7,874 | 3.02% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 8 | $1,050,000 | $131,250 | $6,775 | 2.86% |
| FLORENCE, SC (FHA|USDA|VA) | 7 | $1,015,000 | $145,000 | $5,787 | 2.85% |
| Morehead City, NC (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $6,252 | 2.88% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $7,308 | 3.00% |
| Wooster, OH (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $6,368 | 2.97% |
| GAINESVILLE, GA (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $7,252 | 2.92% |
| DOVER, DE (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $6,481 | 2.98% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $8,198 | 3.08% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $6,649 | 3.02% |
| Pottsville, PA (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $7,515 | 2.69% |
| PANAMA CITY, FL (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $8,379 | 2.70% |
| GREENVILLE, NC (FHA|USDA|VA) | 6 | $910,000 | $151,667 | $5,353 | 3.04% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $6,813 | 3.02% |
| Jefferson, GA (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $7,497 | 3.20% |
| Athens, TN (FHA|USDA|VA) | 5 | $885,000 | $177,000 | $6,996 | 3.00% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 6 | $880,000 | $146,667 | $5,432 | 2.83% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 6 | $880,000 | $146,667 | $6,355 | 2.88% |
| CASPER, WY (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $7,534 | 3.08% |
| DECATUR, AL (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $10,934 | 2.59% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $9,760 | 2.91% |
| FARMINGTON, NM (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $8,553 | 2.69% |
| Warsaw, IN (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $11,772 | 3.00% |
| ST. CLOUD, MN (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $7,326 | 3.06% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $7,329 | 3.06% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $5,146 | 3.22% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $8,724 | 3.22% |
| DOTHAN, AL (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $6,375 | 2.93% |
| North Wilkesboro, NC (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $7,932 | 2.97% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $11,887 | 2.62% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $4,184 | 3.12% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 8 | $790,000 | $98,750 | $4,390 | 3.12% |
| Bardstown, KY (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $6,166 | 2.85% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $9,131 | 3.06% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $7,575 | 2.94% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $5,320 | 3.19% |
| LONGVIEW, WA (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $6,941 | 2.87% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $7,112 | 2.56% |
| Gloversville, NY (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $12,655 | 3.04% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $6,893 | 3.09% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $6,030 | 3.00% |
| Rock Springs, WY (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $7,928 | 2.75% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $5,545 | 2.94% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $5,044 | 3.02% |
| Dublin, GA (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $6,242 | 2.88% |
| Celina, OH (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $7,309 | 3.29% |
| New Castle, PA (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $6,218 | 3.02% |
| Sandusky, OH (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $6,249 | 3.38% |
| Marietta, OH (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $9,994 | 2.63% |
| Cullman, AL (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $5,950 | 2.78% |
| BILLINGS, MT (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $8,288 | 2.84% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $8,189 | 4.08% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $10,004 | 2.84% |
| Alexander City, AL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $6,598 | 3.06% |
| WACO, TX (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $5,343 | 3.19% |
| MANSFIELD, OH (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $6,609 | 3.00% |
| Indiana, PA (FHA|USDA|VA) | 6 | $650,000 | $108,333 | $4,754 | 2.92% |
| UTICA-ROME, NY (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $8,640 | 3.13% |
| Wilmington, OH (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $4,525 | 3.31% |
| LAWRENCE, KS (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $7,788 | 3.12% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $8,527 | 3.37% |
| WICHITA, KS (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $5,472 | 2.91% |
| Lewisburg, TN (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $9,368 | 3.00% |
| Barre, VT (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $7,397 | 2.92% |
| Sunbury, PA (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $10,010 | 2.96% |
| Batavia, NY (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $6,428 | 2.58% |
| Easton, MD (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $6,368 | 2.87% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $32,911 | 2.63% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $7,854 | 2.94% |
| London, KY (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $6,137 | 3.44% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $8,545 | 2.91% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $10,032 | 2.91% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $6,315 | 3.25% |
| Elizabeth City, NC (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $5,795 | 2.97% |
| Shelbyville, TN (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $6,461 | 2.81% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $10,100 | 2.88% |
| LIMA, OH (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $6,307 | 2.87% |
| Marion, OH (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $6,577 | 3.33% |
| MUSKEGON, MI (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $6,513 | 2.88% |
| ITHACA, NY (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $6,953 | 2.84% |
| HAMMOND, LA (FHA|USDA|VA) | 5 | $545,000 | $109,000 | $5,985 | 3.13% |
| BEND, OR (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $6,305 | 3.04% |
| Amsterdam, NY (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $8,020 | 3.21% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $8,691 | 2.69% |
| Holland, MI (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $10,001 | 2.63% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $7,997 | 3.00% |
| Russellville, AR (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $8,471 | 3.38% |
| JONESBORO, AR (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $5,686 | 2.75% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $8,449 | 2.69% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,891 | 3.21% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $9,657 | 3.38% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $6,770 | 2.91% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $2,205 | 3.25% |
| Salem, OH (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $5,951 | 3.22% |
| Fremont, OH (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $10,765 | 2.50% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $7,373 | 3.09% |
| Van Wert, OH (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $11,473 | 2.44% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $4,580 | 2.84% |
| Opelousas, LA (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $8,753 | 2.88% |
| Tupelo, MS (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $7,331 | 3.08% |
| PINE BLUFF, AR (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $6,725 | 3.08% |
| Henderson, NC (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $9,042 | 2.44% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $5,633 | 2.75% |
| Dyersburg, TN (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $6,981 | 2.88% |
| Laurinburg, NC (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $3,411 | 3.09% |
| Thomasville, GA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $8,204 | 2.88% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $5,904 | 2.54% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $6,671 | 3.29% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $17,425 | 2.38% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $5,969 | 3.12% |
| Albertville, AL (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $6,574 | 2.67% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $6,054 | 3.25% |
| Richmond-Berea, KY (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,174 | 2.56% |
| ALBANY, GA (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $4,735 | 3.00% |
| Sidney, OH (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $5,498 | 3.13% |
| Frankfort, KY (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $5,689 | 3.13% |
| Selinsgrove, PA (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $8,759 | 3.21% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $4,277 | 3.09% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $8,730 | 3.25% |
| Chillicothe, OH (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,525 | 3.33% |
| ALTOONA, PA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,812 | 3.29% |
| Kinston, NC (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $5,369 | 3.04% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $14,474 | 4.13% |
| Norwalk, OH (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,925 | 3.13% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,418 | 2.69% |
| Greeneville, TN (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $6,343 | 2.96% |
| Meridian, MS (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $6,211 | 2.42% |
| Mount Vernon, OH (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $7,798 | 2.92% |
| Cambridge, MD (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $5,327 | 2.63% |
| Mount Sterling, KY (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $6,346 | 3.25% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $10,167 | 2.25% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,553 | 2.93% |
| Helena, MT (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $8,557 | 2.93% |
| Olean, NY (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $5,487 | 3.13% |
| Danville, VA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $6,947 | 2.83% |
| Newberry, SC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,820 | 3.31% |
| Union City, TN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,050 | 2.75% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $10,962 | 2.81% |
| COLUMBUS, IN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,058 | 2.56% |
| Roseburg, OR (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $10,163 | 2.56% |
| Okeechobee, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $10,304 | 2.88% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,822 | 2.94% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,532 | 2.99% |
| Bennington, VT (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,412 | 2.94% |
| Moses Lake, WA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,803 | 3.25% |
| Ashland, OH (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,324 | 2.94% |
| Warren, PA (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $5,994 | 3.25% |
| Athens, OH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $16,178 | 3.38% |
| Ashtabula, OH (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $6,717 | 3.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,659 | 2.87% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,844 | 2.69% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,337 | 3.13% |
| McMinnville, TN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,799 | 3.06% |
| DuBois, PA (FHA|USDA|VA) | 4 | $350,000 | $87,500 | $5,600 | 3.37% |
| Rutland, VT (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $8,319 | 3.06% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,765 | 2.88% |
| Selma, AL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $10,501 | 3.00% |
| Meadville, PA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,470 | 2.38% |
| Oxford, MS (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,436 | 3.50% |
| Martinsville, VA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,775 | 3.00% |
| Morgan City, LA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,203 | 2.63% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,338 | 3.00% |
| Searcy, AR (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,672 | 2.75% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,382 | 2.69% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $8,393 | 3.31% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,084 | 3.50% |
| Brainerd, MN (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,542 | 2.75% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $8,927 | 3.13% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,301 | 3.68% |
| Forest City, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,629 | 2.87% |
| Findlay, OH (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,982 | 2.38% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,824 | 3.50% |
| Mayfield, KY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $19,345 | 2.75% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,610 | 2.88% |
| Oneonta, NY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,514 | 2.63% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $8,027 | 2.69% |
| Las Vegas, NM (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $7,241 | 2.69% |
| Lawrenceburg, TN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,862 | 3.00% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,392 | 2.88% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,350 | 2.88% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,162 | 3.25% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $9,634 | 2.75% |
| WHEELING, WV-OH (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,098 | 3.50% |
| Columbus, MS (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,567 | 3.38% |
| Scottsboro, AL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,488 | 3.25% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,121 | 2.44% |
| Enterprise, AL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,739 | 2.75% |
| Wapakoneta, OH (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,841 | 2.94% |
| Berlin, NH (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $8,300 | 2.94% |
| Zanesville, OH (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $8,411 | 2.94% |
| Ozark, AL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,005 | 2.88% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,758 | 2.81% |
| Bradford, PA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $6,065 | 3.38% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,940 | 3.19% |
| Sanford, NC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,711 | 2.94% |
| Moultrie, GA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,321 | 2.99% |
| Gaffney, SC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $7,061 | 3.19% |
| Fitzgerald, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,082 | 2.99% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,603 | 2.99% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $17,264 | 2.50% |
| Newport, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,293 | 2.88% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,317 | 2.99% |
| HATTIESBURG, MS (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $7,958 | 2.63% |
| Washington, NC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,497 | 2.81% |
| Waycross, GA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,984 | 3.49% |
| Somerset, PA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,669 | 3.31% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,735 | 3.00% |
| Peru, IN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $6,865 | 3.00% |
| Kendallville, IN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,421 | 3.38% |
| LEBANON, PA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,671 | 3.00% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,664 | 3.00% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,650 | 2.50% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,923 | 2.94% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $6,960 | 2.81% |
| Paducah, KY-IL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $6,188 | 3.06% |
| Huntingdon, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,988 | 2.63% |
| Astoria, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,249 | 2.38% |
| Jasper, IN (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $5,507 | 3.12% |
| Decatur, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,702 | 3.50% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,808 | 3.63% |
| Bluefield, WV-VA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,638 | 3.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,406 | 3.12% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,125 | 3.31% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,809 | 2.88% |
| Malvern, AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,552 | 2.63% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,887 | 3.63% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,088 | 2.88% |
| Troy, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,862 | 3.50% |
| Gillette, WY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,469 | 2.50% |
| Urbana, OH (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,125 | 2.88% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,937 | 3.13% |
| Laramie, WY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,103 | 3.63% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,820 | 2.88% |
| Frankfort, IN (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,881 | 3.06% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,835 | 2.99% |
| Bay City, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,010 | 2.88% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,588 | 2.38% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,958 | 2.25% |
| Payson, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,274 | 3.38% |
| McPherson, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,310 | 3.25% |
| New Ulm, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,543 | 2.99% |
| Tifton, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,410 | 3.25% |
| Ruston, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,332 | 2.75% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,852 | 2.88% |
| Dayton, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,995 | 2.63% |
| Middlesborough, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,014 | 2.99% |
| Lake City, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,354 | 3.38% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,845 | 2.99% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $4,681 | 3.31% |
| Bonham, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,205 | 3.13% |
| Batesville, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,251 | 2.99% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,596 | 2.75% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,871 | 3.13% |
| Picayune, MS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,343 | 3.99% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,688 | 2.75% |
| Marquette, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,906 | 3.25% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,718 | 3.88% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,384 | 2.75% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,446 | 2.99% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $5,063 | 2.81% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,410 | 2.25% |
| Minden, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,796 | 2.88% |
| Centralia, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,243 | 3.25% |
| Corning, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,353 | 3.38% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,583 | 3.50% |
| Washington Court House, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,538 | 2.50% |
| Palatka, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,351 | 2.25% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,924 | 3.25% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,036 | 3.63% |
| Greenville, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,228 | 3.63% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,209 | 2.50% |
| Brookhaven, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,585 | 2.88% |
| Emporia, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,346 | 2.13% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,047 | 2.88% |
| DALTON, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,828 | 2.50% |
| Salina, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,982 | 2.88% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,300 | 4.13% |
| MONROE, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,962 | 3.25% |
| Sayre, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $10,060 | 2.88% |
| Seneca Falls, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,247 | 2.63% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,195 | 3.25% |
| Marion, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,202 | 2.75% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,667 | 3.13% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,605 | 2.63% |
| Greenwood, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,339 | 2.75% |
| Paris, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,613 | 2.88% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,253 | 3.25% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,667 | 2.13% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,160 | 3.38% |
| Newport, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,474 | 2.75% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,498 | 2.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,727 | 3.38% |
| Marion, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,840 | 2.75% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,331 | 2.75% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,353 | 3.99% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,453 | 3.50% |
| Greensburg, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,426 | 2.88% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,070 | 3.00% |
| Danville, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,690 | 2.38% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,630 | 2.75% |
| Riverton, WY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $10,098 | 2.75% |
| Jennings, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,201 | 3.99% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,704 | 2.75% |
| Mount Pleasant, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,988 | 2.13% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,651 | 3.25% |
| Blytheville, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,331 | 3.63% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,739 | 2.25% |
| Clovis, NM (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,416 | 2.99% |
| Malone, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,100 | 2.99% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,714 | 2.99% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,107 | 3.63% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,973 | 2.75% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,542 | 3.13% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,991 | 3.00% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,953 | 2.99% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,957 | 3.25% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,473 | 2.25% |
| Martin, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,670 | 3.75% |
| Bedford, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,898 | 3.99% |
| Ludington, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $8,211 | 2.50% |
| Oil City, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $8,193 | 2.63% |
| McComb, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,196 | 2.99% |
| Natchez, MS-LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,246 | 2.99% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,212 | 2.99% |
| Americus, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,980 | 2.99% |
| El Dorado, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,873 | 2.38% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,712 | 2.88% |
| Huntington, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,121 | 2.88% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,183 | 3.13% |
| Coldwater, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,391 | 3.25% |
| Angola, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,515 | 3.38% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,566 | 2.25% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,738 | 3.99% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,359 | 2.88% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,375 | 2.50% |
| Somerset, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,893 | 2.63% |
| Auburn, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,941 | 2.99% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,712 | 2.50% |
| Magnolia, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,390 | 2.50% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $7,653 | 2.25% |
Reliance First Capital 's top markets include New York, Charlotte, Cleveland, Washington, and Boston among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 4,906 | $1,056,020,000 | $215,251 | $6,957 | 3.05% |
| FHA | 1,761 | $365,385,000 | $207,487 | $9,664 | 3.00% |
| VA | 748 | $181,090,000 | $242,099 | $8,000 | 2.81% |
| USDA | 64 | $10,700,000 | $167,188 | $5,040 | 2.83% |
For the 2021 period, Reliance First Capital 's most frequently originated loan type of loans were Conventional, with 4,906 originations. Their 2nd most popular type is FHA, with 1,761 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Cash Out Refi | 5,278 | $1,135,430,000 | $215,125 | $8,107 | 3.04% |
| Refi | 1,393 | $293,515,000 | $210,707 | $6,782 | 2.85% |
| Home Purchase | 808 | $184,250,000 | $228,032 | $6,478 | 3.12% |
For the 2021, Reliance First Capital 's most frequently cited loan purpose of loans were Cash Out Refi, with 5,278 originations. The 2nd most popular reason of loans were Refi, with 1,393 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 4,510 | $1,038,220,000 | $230,204 | $8,189 | 3.12% |
| Other | 1,343 | $274,305,000 | $204,248 | $7,240 | 3.00% |
| 15 Year | 1,165 | $213,205,000 | $183,009 | $6,510 | 2.65% |
| 20 Year | 365 | $71,785,000 | $196,671 | $7,424 | 3.05% |
| 10 Year | 96 | $15,680,000 | $163,333 | $5,440 | 2.62% |
For the 2021, Reliance First Capital 's most frequently cited loan length of loans were 30 Year, with 4,510 originations. The 2nd most popular length of loans were Other, with 1,343 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $5k+ | 2,683 | $759,335,000 | $283,017 |
| $3k-4k | 2,572 | $450,830,000 | $175,284 |
| $2k-3k | 1,018 | $160,140,000 | $157,308 |
| $<1k | 608 | $135,130,000 | $222,253 |
| $1k-2k | 588 | $105,270,000 | $179,031 |
$8,189 of loans were Reliance First Capital 's average total fees, while their most frequently occuring range of origination fees were in the $5k+ bucket, with 2,683 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 3,260 | $700,830,000 | $214,979 |
| 3-4% | 2,903 | $632,295,000 | $217,807 |
| <2.5% | 1,214 | $255,060,000 | $210,099 |
| 4-5% | 71 | $17,075,000 | $240,493 |
| 5-6% | 27 | $7,125,000 | $263,889 |
| 6-7% | 4 | $810,000 | $202,500 |
During 2021, Reliance First Capital 's average interest rate of loans were 3.12%, while their most frequently originated rate bucket of loans were 2.5-3%, with 3,260 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-200k | 3,711 | $559,735,000 | $150,831 | $6,180 | 3.00% |
| $200k-400k | 2,710 | $732,520,000 | $270,303 | $9,041 | 3.02% |
| $100,000 or less | 516 | $41,500,000 | $80,426 | $4,299 | 3.03% |
| $400k-600k | 463 | $219,705,000 | $474,525 | $13,334 | 3.02% |
| $600k-1MM | 74 | $52,330,000 | $707,162 | $19,457 | 3.17% |
| $1MM+ | 5 | $7,405,000 | $1,481,000 | $40,801 | 3.58% |
2021 saw Reliance First Capital place emphasis on $100k-200k loans with 3,711 originations, totaling $559,735,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 2,227 | $424,765,000 | $190,734 | $7,299 | 3.01% |
| $50k or less | 2,018 | $309,160,000 | $153,201 | $6,223 | 3.02% |
| $75k-100k | 1,359 | $315,285,000 | $231,998 | $8,064 | 3.00% |
| $100k-150k | 1,230 | $334,240,000 | $271,740 | $9,060 | 3.00% |
| $150k-250k | 540 | $179,470,000 | $332,352 | $9,610 | 3.02% |
| $250k+ | 105 | $50,275,000 | $478,810 | $12,809 | 3.27% |
Reliance First Capital lent most frequently to those with incomes in the $50k-75k range, with 2,227 originations. The second most popular income band? $50k or less, with 2,018 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 1,421 | $284,305,000 | $200,074 | $7,015 | 2.99% |
| 30-36% | 1,292 | $270,630,000 | $209,466 | $7,498 | 3.02% |
| 50-60% | 574 | $131,950,000 | $229,878 | $9,617 | 2.93% |
| <20% | 467 | $95,105,000 | $203,651 | $6,299 | 2.96% |
| 44% | 418 | $91,040,000 | $217,799 | $7,737 | 3.07% |
| 43% | 335 | $77,775,000 | $232,164 | $7,856 | 3.07% |
| 42% | 292 | $63,690,000 | $218,116 | $7,508 | 3.08% |
| 41% | 281 | $60,645,000 | $215,819 | $7,360 | 3.05% |
| 45% | 277 | $64,425,000 | $232,581 | $8,255 | 3.02% |
| 39% | 275 | $58,975,000 | $214,455 | $7,831 | 3.09% |
| 40% | 260 | $59,600,000 | $229,231 | $7,965 | 3.02% |
| 37% | 256 | $55,490,000 | $216,758 | $7,633 | 3.02% |
| 36% | 246 | $49,240,000 | $200,163 | $7,336 | 3.03% |
| 49% | 234 | $53,560,000 | $228,889 | $8,231 | 3.05% |
| 38% | 232 | $51,380,000 | $221,466 | $7,661 | 3.03% |
| 48% | 209 | $51,725,000 | $247,488 | $8,629 | 3.04% |
| 47% | 205 | $47,075,000 | $229,634 | $8,045 | 2.97% |
| 46% | 201 | $45,545,000 | $226,592 | $8,703 | 2.95% |
| >60% | 4 | $1,040,000 | $260,000 | $7,780 | 2.72% |
Reliance First Capital lent most frequently to those with DTI ratios of 20-30%, with 1,421 originations. The next most common DTI ratio? 30-36%, with 1,292 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 5,138 | $1,085,000,000 | $211,172 | $7,494 | 3.00% |
| Not provided | 1,075 | $251,975,000 | $234,395 | $8,177 | 3.02% |
| Black | 1,095 | $234,045,000 | $213,740 | $7,920 | 3.06% |
| Asian | 112 | $29,350,000 | $262,054 | $8,761 | 3.03% |
| American Indian | 49 | $10,785,000 | $220,102 | $8,998 | 2.87% |
| Native Hawaiian | 10 | $2,040,000 | $204,000 | $7,888 | 3.02% |
Approval Rates
Total approvals of all applications67.83%
Reliance First Capital has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination81.96%
Reliance First Capital has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 7,479 | $1,613,195,000 | $215,697 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7,479 | $1,613,195,000 | $215,697 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 360 | $54,070,000 | $150,194 | $5,673 | 2.85% |
| 40-60% | 1,191 | $223,145,000 | $187,359 | $6,485 | 2.92% |
| 60-80% | 3,570 | $788,770,000 | $220,944 | $7,968 | 3.07% |
| 80-100% | 2,296 | $534,470,000 | $232,783 | $8,186 | 3.00% |
| Over 100% | 26 | $7,670,000 | $295,000 | $10,028 | 2.76% |
| Under 20% | 36 | $5,070,000 | $140,833 | $5,490 | 2.86% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| RELIANCE FIRST CAPITAL LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 75.0% |
| RELIANCE FIRST CAPITAL LLC | Conventional home mortgage | Trouble during payment process | 1 | 25.0% |
