Reliance First Capital Mortgage Rates, Fees & Info

WILMINGTON, DE

LEI: 549300YW2UBCMDRMBT48

Tax ID: 26-2261031

1.3 stars - Updated: 2/26/24 - out of 5 stars, based on 71 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & 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 a a high proportion of FHA loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: New York, Cleveland, Charlotte, Atlanta, and Nashville among others. We have data for 464 markets. (Some data included below & more in-depth data is available with an active subscription.)

Reliance First Capital has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Reliance First Capital is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.93% 2/26/24
30 Year Conventional Refi 6.81% 2/26/24
30 Year Cash-out Refi 7.05% 2/26/24
30 Year FHA Purchase 7.41% 2/26/24
30 Year FHA Refi 7.30% 2/26/24
30 Year VA Purchase 6.42% 2/26/24
30 Year VA Refi 6.29% 2/26/24
30 Year USDA Purchase 6.67% 2/26/24
30 Year USDA Refi 6.76% 2/26/24
15 Year Conventional Purchase 6.30% 2/26/24
15 Year Conventional Refi 6.38% 2/26/24
15 Year Cash-out Refi 6.38% 2/26/24
15 Year FHA Purchase 7.74% 2/26/24
15 Year FHA Refi 7.41% 2/26/24
15 Year VA Purchase 6.21% 2/26/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Reliance First Capital Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Reliance First Capital. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

5,056

Origination Dollar Volume (All Markets)

$1,137,480,000

Awards

RELIANCE FIRST CAPITAL USDA Loans gold RELIANCE FIRST CAPITAL FHA Loans silver RELIANCE FIRST CAPITAL USDA Loans bronze
Show all (3) awards

Relative Rate

Reliance First Capital's average 30 year fixed mortgage rate was 4.95%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.19%.

Relative Fees (Closing Costs)

Reliance First Capital's average total fees/closing costs for a 30 year fixed rate mortgage were $9,678.

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

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 346 $130,930,000 $378,410 $14,217 4.54%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 284 $59,100,000 $208,099 $7,003 5.30%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 209 $48,575,000 $232,416 $8,719 4.62%
Outside of Metro Areas 222 $39,170,000 $176,441 $7,954 4.69%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 168 $37,460,000 $222,976 $8,962 4.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 123 $34,075,000 $277,033 $10,559 4.83%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 77 $27,195,000 $353,182 $12,173 4.85%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 75 $26,485,000 $353,133 $13,565 4.77%
PITTSBURGH, PA (FHA|USDA|VA) 136 $25,640,000 $188,529 $8,416 4.80%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 123 $25,635,000 $208,415 $10,004 4.92%
RALEIGH-CARY, NC (FHA|USDA|VA) 77 $20,995,000 $272,662 $9,359 4.71%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 64 $14,870,000 $232,344 $8,638 4.62%
COLUMBUS, OH (FHA|USDA|VA) 74 $14,490,000 $195,811 $8,781 5.13%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 54 $13,470,000 $249,444 $9,509 4.89%
AKRON, OH (FHA|USDA|VA) 62 $12,240,000 $197,419 $7,313 4.85%
RICHMOND, VA (FHA|USDA|VA) 55 $11,575,000 $210,455 $9,314 4.92%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 62 $11,130,000 $179,516 $8,652 4.71%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 41 $10,885,000 $265,488 $10,174 4.71%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 47 $10,825,000 $230,319 $10,077 4.52%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 57 $10,685,000 $187,456 $8,483 4.65%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 40 $10,670,000 $266,750 $12,450 4.58%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 36 $9,760,000 $271,111 $10,282 5.16%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 50 $9,050,000 $181,000 $7,297 4.76%
WORCESTER, MA-CT (FHA|USDA|VA) 34 $8,740,000 $257,059 $10,553 4.45%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 43 $8,635,000 $200,814 $7,248 5.36%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 42 $8,230,000 $195,952 $8,883 4.60%
KNOXVILLE, TN (FHA|USDA|VA) 39 $8,205,000 $210,385 $8,479 4.86%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 28 $8,100,000 $289,286 $11,610 4.69%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 43 $8,045,000 $187,093 $10,036 5.09%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 33 $7,725,000 $234,091 $10,525 4.48%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 29 $7,645,000 $263,621 $7,737 4.96%
COLUMBIA, SC (FHA|USDA|VA) 40 $7,630,000 $190,750 $8,005 5.28%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 26 $7,600,000 $292,308 $11,647 5.05%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 26 $7,400,000 $284,615 $9,952 4.56%
ROCHESTER, NY (FHA|USDA|VA) 46 $7,180,000 $156,087 $7,517 4.62%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 39 $7,065,000 $181,154 $8,296 4.83%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 35 $6,985,000 $199,571 $8,471 4.81%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 30 $6,500,000 $216,667 $9,260 4.83%
WINSTON-SALEM, NC (FHA|USDA|VA) 30 $6,270,000 $209,000 $6,909 4.88%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 34 $6,130,000 $180,294 $7,709 4.96%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 29 $6,055,000 $208,793 $7,929 4.74%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 30 $5,840,000 $194,667 $8,649 4.55%
HUNTSVILLE, AL (FHA|USDA|VA) 25 $5,825,000 $233,000 $9,027 5.19%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 28 $5,790,000 $206,786 $9,615 4.50%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 34 $5,630,000 $165,588 $6,787 4.56%
SYRACUSE, NY (FHA|USDA|VA) 30 $5,480,000 $182,667 $8,533 5.07%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 23 $5,205,000 $226,304 $8,544 5.02%
SPRINGFIELD, MA (FHA|USDA|VA) 24 $5,070,000 $211,250 $8,930 4.60%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 27 $4,995,000 $185,000 $7,917 4.42%
JACKSONVILLE, FL (FHA|USDA|VA) 22 $4,840,000 $220,000 $9,939 5.31%
ALBUQUERQUE, NM (FHA|USDA|VA) 23 $4,725,000 $205,435 $8,729 4.53%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 23 $4,715,000 $205,000 $9,267 4.75%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 16 $4,560,000 $285,000 $9,937 4.69%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 12 $4,520,000 $376,667 $15,990 4.35%
WILMINGTON, NC (FHA|USDA|VA) 17 $4,485,000 $263,824 $7,230 4.45%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 27 $4,355,000 $161,296 $7,232 5.27%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 16 $4,340,000 $271,250 $11,685 4.23%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 20 $4,150,000 $207,500 $10,849 4.56%
KINGSTON, NY (FHA|USDA|VA) 15 $4,125,000 $275,000 $10,486 4.15%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 20 $3,910,000 $195,500 $8,607 5.14%
LANCASTER, PA (FHA|USDA|VA) 17 $3,875,000 $227,941 $9,588 4.30%
LOUISVILLE, KY (FHA|USDA|VA) 17 $3,815,000 $224,412 $9,277 4.86%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 16 $3,700,000 $231,250 $9,025 4.39%
SPARTANBURG, SC (FHA|USDA|VA) 21 $3,595,000 $171,190 $7,376 5.01%
FAYETTEVILLE, NC (FHA|USDA|VA) 20 $3,590,000 $179,500 $7,292 4.88%
DAYTON-KETTERING, OH (FHA|USDA|VA) 20 $3,580,000 $179,000 $7,121 4.99%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 19 $3,425,000 $180,263 $6,682 4.43%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 10 $3,420,000 $342,000 $9,682 4.78%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 12 $3,380,000 $281,667 $10,477 4.77%
ASHEVILLE, NC (FHA|USDA|VA) 17 $3,375,000 $198,529 $6,977 4.87%
EAST STROUDSBURG, PA (FHA|USDA|VA) 17 $3,175,000 $186,765 $10,214 4.49%
SALISBURY, MD-DE (FHA|USDA|VA) 14 $3,080,000 $220,000 $9,737 4.70%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 13 $2,885,000 $221,923 $10,387 5.14%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 16 $2,860,000 $178,750 $8,443 4.29%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 17 $2,795,000 $164,412 $8,595 5.29%
Concord, NH (FHA|USDA|VA) 11 $2,725,000 $247,727 $11,676 4.45%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 14 $2,660,000 $190,000 $9,222 4.75%
Lebanon, NH-VT (FHA|USDA|VA) 13 $2,615,000 $201,154 $9,365 4.30%
PORT ST. LUCIE, FL (FHA|USDA|VA) 10 $2,610,000 $261,000 $11,584 5.16%
BATON ROUGE, LA (FHA|USDA|VA) 15 $2,605,000 $173,667 $8,050 5.01%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 9 $2,585,000 $287,222 $12,469 5.15%
YORK-HANOVER, PA (FHA|USDA|VA) 12 $2,570,000 $214,167 $10,709 4.65%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 12 $2,570,000 $214,167 $9,292 5.25%
CANTON-MASSILLON, OH (FHA|USDA|VA) 13 $2,565,000 $197,308 $7,014 4.61%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 13 $2,525,000 $194,231 $9,386 4.58%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 18 $2,440,000 $135,556 $6,359 5.17%
MONTGOMERY, AL (FHA|USDA|VA) 14 $2,350,000 $167,857 $8,337 5.67%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 10 $2,340,000 $234,000 $10,933 4.21%
TUCSON, AZ (FHA|USDA|VA) 12 $2,330,000 $194,167 $7,320 4.94%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 10 $2,160,000 $216,000 $10,055 4.79%
BURLINGTON, NC (FHA|USDA|VA) 12 $2,100,000 $175,000 $6,915 4.63%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 10 $2,100,000 $210,000 $8,095 5.16%
Shelby, NC (FHA|USDA|VA) 12 $2,100,000 $175,000 $6,835 4.61%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $2,085,000 $417,000 $20,351 5.58%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 10 $2,080,000 $208,000 $9,796 4.96%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 9 $1,995,000 $221,667 $8,729 5.93%
TOLEDO, OH (FHA|USDA|VA) 13 $1,965,000 $151,154 $6,026 4.73%
Sevierville, TN (FHA|USDA|VA) 8 $1,960,000 $245,000 $8,254 5.77%
JACKSONVILLE, NC (FHA|USDA|VA) 7 $1,905,000 $272,143 $8,710 5.52%
SAVANNAH, GA (FHA|USDA|VA) 9 $1,865,000 $207,222 $9,039 5.26%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 9 $1,855,000 $206,111 $9,728 4.79%
TUSCALOOSA, AL (FHA|USDA|VA) 10 $1,800,000 $180,000 $7,570 5.17%
Laconia, NH (FHA|USDA|VA) 8 $1,730,000 $216,250 $11,796 4.22%
READING, PA (FHA|USDA|VA) 9 $1,715,000 $190,556 $8,001 4.89%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 10 $1,700,000 $170,000 $8,109 4.55%
MOBILE, AL (FHA|USDA|VA) 11 $1,665,000 $151,364 $7,426 4.62%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $1,660,000 $276,667 $10,203 5.23%
COLUMBUS, GA-AL (FHA|USDA|VA) 12 $1,660,000 $138,333 $6,305 5.45%
OCALA, FL (FHA|USDA|VA) 9 $1,635,000 $181,667 $8,757 4.91%
Seneca, SC (FHA|USDA|VA) 5 $1,605,000 $321,000 $8,564 4.10%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 7 $1,525,000 $217,857 $10,081 4.61%
LYNCHBURG, VA (FHA|USDA|VA) 9 $1,525,000 $169,444 $9,145 4.04%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 7 $1,525,000 $217,857 $8,435 4.59%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 8 $1,510,000 $188,750 $5,929 4.80%
Cookeville, TN (FHA|USDA|VA) 8 $1,510,000 $188,750 $7,738 4.98%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $1,505,000 $501,667 $8,103 4.71%
HARRISONBURG, VA (FHA|USDA|VA) 8 $1,470,000 $183,750 $10,053 4.13%
NEW BERN, NC (FHA|USDA|VA) 6 $1,470,000 $245,000 $6,486 3.85%
TALLAHASSEE, FL (FHA|USDA|VA) 6 $1,420,000 $236,667 $10,824 5.71%
ROANOKE, VA (FHA|USDA|VA) 9 $1,415,000 $157,222 $7,381 4.87%
Hudson, NY (FHA|USDA|VA) 4 $1,410,000 $352,500 $12,522 3.47%
WINCHESTER, VA-WV (FHA|USDA|VA) 6 $1,410,000 $235,000 $12,307 4.60%
WICHITA, KS (FHA|USDA|VA) 6 $1,400,000 $233,333 $10,722 5.92%
Wooster, OH (FHA|USDA|VA) 8 $1,400,000 $175,000 $7,311 4.88%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 9 $1,385,000 $153,889 $7,157 5.05%
Shelton, WA (FHA|USDA|VA) 3 $1,385,000 $461,667 $15,111 3.67%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $1,365,000 $273,000 $8,712 3.87%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 6 $1,350,000 $225,000 $5,383 4.35%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 6 $1,350,000 $225,000 $9,265 4.94%
SPRINGFIELD, OH (FHA|USDA|VA) 7 $1,285,000 $183,571 $7,212 4.64%
DECATUR, AL (FHA|USDA|VA) 5 $1,265,000 $253,000 $7,557 5.63%
EVANSVILLE, IN-KY (FHA|USDA|VA) 7 $1,265,000 $180,714 $8,160 4.25%
Tullahoma-Manchester, TN (FHA|USDA|VA) 7 $1,245,000 $177,857 $7,951 4.46%
Ashtabula, OH (FHA|USDA|VA) 7 $1,245,000 $177,857 $9,325 4.79%
DOVER, DE (FHA|USDA|VA) 5 $1,225,000 $245,000 $9,296 4.10%
Torrington, CT (FHA|USDA|VA) 6 $1,220,000 $203,333 $8,785 5.08%
Albemarle, NC (FHA|USDA|VA) 5 $1,185,000 $237,000 $10,557 5.87%
Augusta-Waterville, ME (FHA|USDA|VA) 6 $1,180,000 $196,667 $8,013 5.13%
JOHNSON CITY, TN (FHA|USDA|VA) 7 $1,175,000 $167,857 $8,161 5.52%
PUNTA GORDA, FL (FHA|USDA|VA) 6 $1,170,000 $195,000 $7,843 4.29%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 7 $1,155,000 $165,000 $7,547 5.11%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 4 $1,150,000 $287,500 $6,610 4.59%
Lewisburg, TN (FHA|USDA|VA) 3 $1,135,000 $378,333 $11,596 5.33%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $1,095,000 $219,000 $8,696 6.25%
KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $1,085,000 $217,000 $10,338 5.32%
ERIE, PA (FHA|USDA|VA) 6 $1,080,000 $180,000 $9,305 4.96%
UTICA-ROME, NY (FHA|USDA|VA) 6 $1,070,000 $178,333 $10,101 4.27%
Roanoke Rapids, NC (FHA|USDA|VA) 5 $1,065,000 $213,000 $8,716 4.18%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 6 $1,060,000 $176,667 $6,934 4.46%
ANN ARBOR, MI (FHA|USDA|VA) 4 $1,050,000 $262,500 $9,251 4.28%
Wilson, NC (FHA|USDA|VA) 6 $1,030,000 $171,667 $7,117 4.29%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 5 $1,025,000 $205,000 $9,188 5.28%
PITTSFIELD, MA (FHA|USDA|VA) 5 $1,015,000 $203,000 $7,149 4.12%
BANGOR, ME (FHA|USDA|VA) 5 $1,005,000 $201,000 $9,045 5.13%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $995,000 $995,000 $30,458 3.50%
Taos, NM (FHA|USDA|VA) 3 $995,000 $331,667 $10,415 4.58%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $990,000 $247,500 $8,430 5.03%
Kill Devil Hills, NC (FHA|USDA|VA) 3 $975,000 $325,000 $13,298 4.21%
Easton, MD (FHA|USDA|VA) 2 $970,000 $485,000 $17,833 3.44%
Mount Vernon, OH (FHA|USDA|VA) 6 $970,000 $161,667 $7,722 4.83%
Kalispell, MT (FHA|USDA|VA) 2 $950,000 $475,000 $24,635 3.81%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 5 $945,000 $189,000 $9,430 4.53%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $930,000 $232,500 $12,128 4.75%
ROCKY MOUNT, NC (FHA|USDA|VA) 6 $930,000 $155,000 $8,493 4.54%
DOTHAN, AL (FHA|USDA|VA) 6 $910,000 $151,667 $6,188 5.46%
JONESBORO, AR (FHA|USDA|VA) 4 $910,000 $227,500 $10,633 3.91%
Greenwood, SC (FHA|USDA|VA) 5 $905,000 $181,000 $7,456 4.55%
Washington, NC (FHA|USDA|VA) 4 $890,000 $222,500 $7,787 3.91%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 5 $875,000 $175,000 $7,730 4.88%
SALEM, OR (FHA|USDA|VA) 2 $870,000 $435,000 $13,291 6.50%
GAINESVILLE, FL (FHA|USDA|VA) 6 $870,000 $145,000 $7,606 4.44%
MEDFORD, OR (FHA|USDA|VA) 4 $870,000 $217,500 $10,641 4.90%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 4 $850,000 $212,500 $9,481 4.19%
MISSOULA, MT (FHA|USDA|VA) 4 $850,000 $212,500 $9,014 3.62%
GREENVILLE, NC (FHA|USDA|VA) 5 $825,000 $165,000 $9,130 4.00%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 6 $820,000 $136,667 $5,987 5.00%
LEBANON, PA (FHA|USDA|VA) 4 $820,000 $205,000 $13,067 4.53%
Georgetown, SC (FHA|USDA|VA) 3 $815,000 $271,667 $12,873 5.50%
MORRISTOWN, TN (FHA|USDA|VA) 6 $810,000 $135,000 $7,431 5.02%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $810,000 $202,500 $11,290 4.44%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 5 $805,000 $161,000 $7,267 4.28%
Albertville, AL (FHA|USDA|VA) 4 $790,000 $197,500 $8,145 4.19%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $770,000 $385,000 $20,176 5.00%
Bardstown, KY (FHA|USDA|VA) 3 $765,000 $255,000 $6,314 5.00%
HOT SPRINGS, AR (FHA|USDA|VA) 4 $740,000 $185,000 $8,795 4.69%
PUEBLO, CO (FHA|USDA|VA) 2 $720,000 $360,000 $12,225 4.00%
BOWLING GREEN, KY (FHA|USDA|VA) 4 $720,000 $180,000 $7,914 4.59%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $715,000 $238,333 $6,676 4.38%
WACO, TX (FHA|USDA|VA) 4 $710,000 $177,500 $5,476 4.50%
MANSFIELD, OH (FHA|USDA|VA) 5 $705,000 $141,000 $7,963 4.73%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $700,000 $175,000 $5,356 3.94%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $695,000 $231,667 $11,583 4.88%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $690,000 $345,000 $12,862 3.38%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $680,000 $340,000 $18,363 4.38%
LUBBOCK, TX (FHA|USDA|VA) 2 $670,000 $335,000 $12,037 5.44%
TEXARKANA, TX-AR (FHA|USDA|VA) 4 $650,000 $162,500 $7,757 3.75%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 4 $650,000 $162,500 $5,426 5.41%
JACKSON, TN (FHA|USDA|VA) 4 $650,000 $162,500 $9,343 4.68%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $650,000 $325,000 $6,269 4.69%
LAFAYETTE, LA (FHA|USDA|VA) 5 $645,000 $129,000 $5,215 5.58%
Crossville, TN (FHA|USDA|VA) 3 $645,000 $215,000 $7,796 5.25%
SAGINAW, MI (FHA|USDA|VA) 3 $635,000 $211,667 $9,183 5.17%
BILLINGS, MT (FHA|USDA|VA) 2 $630,000 $315,000 $14,037 4.31%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $625,000 $625,000 $10,841 3.25%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $605,000 $605,000 $12,777 2.75%
ALEXANDRIA, LA (FHA|USDA|VA) 2 $600,000 $300,000 $11,182 5.49%
LaGrange, GA-AL (FHA|USDA|VA) 4 $600,000 $150,000 $6,436 5.12%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $595,000 $595,000 $27,738 6.50%
JACKSON, MS (FHA|USDA|VA) 3 $595,000 $198,333 $9,954 5.33%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $590,000 $295,000 $4,084 4.06%
Athens, TX (FHA|USDA|VA) 2 $590,000 $295,000 $11,047 7.06%
New Castle, PA (FHA|USDA|VA) 4 $580,000 $145,000 $4,746 5.19%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $580,000 $290,000 $9,100 4.13%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 5 $575,000 $115,000 $6,757 4.87%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $575,000 $191,667 $5,524 5.96%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $570,000 $285,000 $13,266 5.19%
Los Alamos, NM (FHA|USDA|VA) 2 $570,000 $285,000 $12,306 3.44%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $570,000 $142,500 $5,757 3.94%
CASPER, WY (FHA|USDA|VA) 2 $550,000 $275,000 $10,532 4.56%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 4 $550,000 $137,500 $6,197 5.22%
LAS CRUCES, NM (FHA|USDA|VA) 2 $540,000 $270,000 $10,533 5.75%
GAINESVILLE, GA (FHA|USDA|VA) 3 $525,000 $175,000 $7,762 4.50%
FARMINGTON, NM (FHA|USDA|VA) 3 $525,000 $175,000 $9,339 4.29%
DALTON, GA (FHA|USDA|VA) 2 $520,000 $260,000 $8,966 4.87%
GOLDSBORO, NC (FHA|USDA|VA) 2 $520,000 $260,000 $11,078 6.13%
Oxford, MS (FHA|USDA|VA) 2 $510,000 $255,000 $7,640 3.31%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $510,000 $255,000 $11,940 2.75%
PANAMA CITY, FL (FHA|USDA|VA) 2 $510,000 $255,000 $10,883 5.13%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $505,000 $168,333 $7,828 4.37%
Keene, NH (FHA|USDA|VA) 3 $505,000 $168,333 $9,181 8.54%
Shelbyville, TN (FHA|USDA|VA) 2 $500,000 $250,000 $7,142 5.75%
Astoria, OR (FHA|USDA|VA) 2 $500,000 $250,000 $7,753 5.50%
FORT WAYNE, IN (FHA|USDA|VA) 4 $500,000 $125,000 $6,667 5.56%
GLENS FALLS, NY (FHA|USDA|VA) 2 $500,000 $250,000 $7,955 3.81%
Okeechobee, FL (FHA|USDA|VA) 2 $490,000 $245,000 $10,702 4.63%
Richmond-Berea, KY (FHA|USDA|VA) 3 $485,000 $161,667 $7,320 4.46%
Plattsburgh, NY (FHA|USDA|VA) 3 $485,000 $161,667 $11,705 4.08%
HATTIESBURG, MS (FHA|USDA|VA) 3 $485,000 $161,667 $7,025 3.42%
Oil City, PA (FHA|USDA|VA) 3 $485,000 $161,667 $7,033 3.66%
Danville, VA (FHA|USDA|VA) 4 $480,000 $120,000 $6,907 4.78%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $480,000 $240,000 $6,278 3.38%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $480,000 $240,000 $12,023 4.56%
LONGVIEW, TX (FHA|USDA|VA) 3 $475,000 $158,333 $7,020 4.08%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 5 $475,000 $95,000 $6,783 4.45%
Morehead City, NC (FHA|USDA|VA) 2 $470,000 $235,000 $10,378 4.19%
McMinnville, TN (FHA|USDA|VA) 3 $465,000 $155,000 $9,288 4.50%
BINGHAMTON, NY (FHA|USDA|VA) 4 $460,000 $115,000 $6,988 5.06%
Seneca Falls, NY (FHA|USDA|VA) 2 $460,000 $230,000 $12,102 4.37%
YAKIMA, WA (FHA|USDA|VA) 2 $460,000 $230,000 $10,737 3.69%
Coshocton, OH (FHA|USDA|VA) 2 $460,000 $230,000 $15,250 4.19%
North Wilkesboro, NC (FHA|USDA|VA) 3 $455,000 $151,667 $6,206 5.58%
Berlin, NH (FHA|USDA|VA) 2 $450,000 $225,000 $11,553 4.31%
ROCKFORD, IL (FHA|USDA|VA) 3 $445,000 $148,333 $8,049 4.87%
McPherson, KS (FHA|USDA|VA) 2 $440,000 $220,000 $8,539 5.56%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $440,000 $220,000 $11,937 2.75%
Marietta, OH (FHA|USDA|VA) 4 $440,000 $110,000 $6,336 4.88%
Somerset, KY (FHA|USDA|VA) 3 $435,000 $145,000 $7,436 4.54%
Auburn, NY (FHA|USDA|VA) 3 $435,000 $145,000 $7,032 4.83%
Opelousas, LA (FHA|USDA|VA) 3 $435,000 $145,000 $7,287 4.62%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 3 $435,000 $145,000 $7,511 4.46%
Mineral Wells, TX (FHA|USDA|VA) 2 $430,000 $215,000 $8,164 5.87%
Amsterdam, NY (FHA|USDA|VA) 4 $430,000 $107,500 $6,968 6.06%
Barre, VT (FHA|USDA|VA) 2 $430,000 $215,000 $10,015 5.69%
Indiana, PA (FHA|USDA|VA) 4 $430,000 $107,500 $6,037 4.44%
BEND, OR (FHA|USDA|VA) 2 $430,000 $215,000 $10,197 5.38%
St. Marys, GA (FHA|USDA|VA) 3 $425,000 $141,667 $7,575 4.92%
Forest City, NC (FHA|USDA|VA) 3 $425,000 $141,667 $6,687 4.71%
Sanford, NC (FHA|USDA|VA) 3 $425,000 $141,667 $6,279 5.04%
VALDOSTA, GA (FHA|USDA|VA) 3 $425,000 $141,667 $4,823 5.17%
ST. CLOUD, MN (FHA|USDA|VA) 2 $420,000 $210,000 $10,122 5.50%
BATTLE CREEK, MI (FHA|USDA|VA) 3 $415,000 $138,333 $7,015 4.67%
Batavia, NY (FHA|USDA|VA) 3 $415,000 $138,333 $7,915 4.54%
FLINT, MI (FHA|USDA|VA) 3 $405,000 $135,000 $8,166 6.13%
Cullowhee, NC (FHA|USDA|VA) 2 $400,000 $200,000 $5,977 5.31%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $400,000 $200,000 $3,954 4.38%
Sidney, OH (FHA|USDA|VA) 2 $400,000 $200,000 $10,292 3.44%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $400,000 $200,000 $8,532 4.56%
STAUNTON, VA (FHA|USDA|VA) 3 $395,000 $131,667 $7,390 3.54%
Harrison, AR (FHA|USDA|VA) 3 $395,000 $131,667 $5,922 3.50%
Statesboro, GA (FHA|USDA|VA) 2 $390,000 $195,000 $9,979 6.56%
Sandusky, OH (FHA|USDA|VA) 3 $385,000 $128,333 $6,921 6.46%
Crawfordsville, IN (FHA|USDA|VA) 3 $385,000 $128,333 $6,743 3.46%
YUBA CITY, CA (FHA|USDA|VA) 1 $385,000 $385,000 $8,723 5.63%
Lawrenceburg, TN (FHA|USDA|VA) 2 $380,000 $190,000 $6,312 5.50%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $380,000 $190,000 $8,514 4.94%
Norwalk, OH (FHA|USDA|VA) 3 $375,000 $125,000 $5,668 5.00%
Jefferson, GA (FHA|USDA|VA) 2 $370,000 $185,000 $6,494 4.00%
Warsaw, IN (FHA|USDA|VA) 2 $370,000 $185,000 $10,583 4.25%
Olean, NY (FHA|USDA|VA) 2 $360,000 $180,000 $8,360 3.75%
Wilmington, OH (FHA|USDA|VA) 2 $360,000 $180,000 $7,768 6.63%
Fort Payne, AL (FHA|USDA|VA) 2 $360,000 $180,000 $5,472 3.75%
TERRE HAUTE, IN (FHA|USDA|VA) 3 $355,000 $118,333 $4,814 4.91%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $355,000 $355,000 $16,532 4.88%
Greensburg, IN (FHA|USDA|VA) 2 $350,000 $175,000 $9,386 6.25%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $350,000 $175,000 $4,859 6.63%
Fremont, OH (FHA|USDA|VA) 2 $350,000 $175,000 $10,069 3.75%
Athens, TN (FHA|USDA|VA) 3 $345,000 $115,000 $6,358 3.79%
Show Low, AZ (FHA|USDA|VA) 2 $340,000 $170,000 $10,529 3.56%
Jennings, LA (FHA|USDA|VA) 2 $340,000 $170,000 $9,269 4.31%
Jasper, AL (FHA|USDA|VA) 3 $335,000 $111,667 $6,653 5.83%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 3 $335,000 $111,667 $6,612 3.96%
LAREDO, TX (FHA|USDA|VA) 2 $330,000 $165,000 $5,728 3.50%
ALTOONA, PA (FHA|USDA|VA) 2 $330,000 $165,000 $9,823 5.56%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $330,000 $165,000 $7,174 4.88%
Greeneville, TN (FHA|USDA|VA) 2 $330,000 $165,000 $9,694 3.88%
OWENSBORO, KY (FHA|USDA|VA) 2 $330,000 $165,000 $7,435 5.75%
Salem, OH (FHA|USDA|VA) 2 $330,000 $165,000 $6,563 6.12%
Somerset, PA (FHA|USDA|VA) 3 $325,000 $108,333 $4,886 5.29%
Russellville, AR (FHA|USDA|VA) 3 $325,000 $108,333 $6,604 4.92%
Point Pleasant, WV-OH (FHA|USDA|VA) 2 $320,000 $160,000 $7,488 4.88%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $320,000 $160,000 $6,214 4.69%
Ashland, OH (FHA|USDA|VA) 2 $320,000 $160,000 $6,583 3.06%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $320,000 $160,000 $9,323 4.06%
Tupelo, MS (FHA|USDA|VA) 2 $320,000 $160,000 $8,632 4.38%
BAY CITY, MI (FHA|USDA|VA) 3 $315,000 $105,000 $6,499 5.21%
TOPEKA, KS (FHA|USDA|VA) 2 $310,000 $155,000 $4,466 5.00%
Pottsville, PA (FHA|USDA|VA) 1 $305,000 $305,000 $11,836 3.99%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $305,000 $305,000 $11,724 3.38%
Roseburg, OR (FHA|USDA|VA) 1 $305,000 $305,000 $14,933 5.75%
Dyersburg, TN (FHA|USDA|VA) 2 $300,000 $150,000 $9,500 3.75%
ALBANY, GA (FHA|USDA|VA) 2 $300,000 $150,000 $7,988 4.50%
Summerville, GA (FHA|USDA|VA) 2 $300,000 $150,000 $6,995 3.50%
MUSKEGON, MI (FHA|USDA|VA) 2 $290,000 $145,000 $8,496 5.69%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 2 $290,000 $145,000 $8,716 4.13%
Chillicothe, OH (FHA|USDA|VA) 2 $290,000 $145,000 $10,331 3.69%
SUMTER, SC (FHA|USDA|VA) 2 $290,000 $145,000 $4,440 4.75%
GADSDEN, AL (FHA|USDA|VA) 2 $290,000 $145,000 $8,669 4.13%
Connersville, IN (FHA|USDA|VA) 2 $290,000 $145,000 $6,099 2.93%
Calhoun, GA (FHA|USDA|VA) 1 $285,000 $285,000 $11,606 2.75%
FRESNO, CA (FHA|USDA|VA) 1 $285,000 $285,000 $14,751 4.75%
Sulphur Springs, TX (FHA|USDA|VA) 1 $285,000 $285,000 $2,759 4.38%
CUMBERLAND, MD-WV (FHA|USDA|VA) 2 $280,000 $140,000 $5,983 3.19%
Tifton, GA (FHA|USDA|VA) 2 $280,000 $140,000 $7,886 4.13%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $270,000 $135,000 $5,319 6.44%
Kinston, NC (FHA|USDA|VA) 2 $270,000 $135,000 $8,278 6.19%
Ludington, MI (FHA|USDA|VA) 1 $265,000 $265,000 $8,831 5.88%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $265,000 $265,000 $5,014 5.75%
Clovis, NM (FHA|USDA|VA) 1 $255,000 $255,000 $8,571 4.88%
Murray, KY (FHA|USDA|VA) 1 $255,000 $255,000 $1,847 3.88%
Traverse City, MI (FHA|USDA|VA) 1 $255,000 $255,000 $8,348 5.75%
Gainesville, TX (FHA|USDA|VA) 1 $255,000 $255,000 $8,990 6.13%
COLUMBUS, IN (FHA|USDA|VA) 1 $255,000 $255,000 $7,817 5.63%
Cornelia, GA (FHA|USDA|VA) 2 $250,000 $125,000 $4,054 4.69%
MONROE, LA (FHA|USDA|VA) 2 $250,000 $125,000 $6,787 4.25%
Rutland, VT (FHA|USDA|VA) 1 $245,000 $245,000 $10,771 4.38%
Boone, NC (FHA|USDA|VA) 1 $245,000 $245,000 $8,589 4.13%
Troy, AL (FHA|USDA|VA) 1 $245,000 $245,000 $8,798 5.25%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $245,000 $245,000 $6,557 5.63%
New Castle, IN (FHA|USDA|VA) 1 $235,000 $235,000 $13,344 5.00%
Big Spring, TX (FHA|USDA|VA) 1 $235,000 $235,000 $10,574 2.88%
Gaffney, SC (FHA|USDA|VA) 2 $230,000 $115,000 $8,455 4.19%
Paragould, AR (FHA|USDA|VA) 2 $230,000 $115,000 $7,905 5.50%
YUMA, AZ (FHA|USDA|VA) 2 $230,000 $115,000 $8,259 3.50%
CLEVELAND, TN (FHA|USDA|VA) 2 $230,000 $115,000 $4,991 4.38%
Columbus, MS (FHA|USDA|VA) 1 $225,000 $225,000 $5,791 4.75%
Sheridan, WY (FHA|USDA|VA) 1 $225,000 $225,000 $12,681 5.75%
GREAT FALLS, MT (FHA|USDA|VA) 1 $225,000 $225,000 $13,768 4.75%
Clewiston, FL (FHA|USDA|VA) 1 $215,000 $215,000 $9,971 5.75%
Bonham, TX (FHA|USDA|VA) 1 $215,000 $215,000 $2,867 2.99%
Butte-Silver Bow, MT (FHA|USDA|VA) 1 $205,000 $205,000 $13,635 4.75%
THE VILLAGES, FL (FHA|USDA|VA) 1 $205,000 $205,000 $9,245 4.63%
AMARILLO, TX (FHA|USDA|VA) 1 $205,000 $205,000 $6,169 3.13%
GETTYSBURG, PA (FHA|USDA|VA) 1 $205,000 $205,000 $14,412 3.00%
Findlay, OH (FHA|USDA|VA) 1 $205,000 $205,000 $8,613 3.88%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $205,000 $205,000 $12,679 4.75%
ELMIRA, NY (FHA|USDA|VA) 1 $195,000 $195,000 $12,105 5.50%
Big Rapids, MI (FHA|USDA|VA) 1 $195,000 $195,000 $3,433 2.88%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $185,000 $185,000 $14,406 4.75%
Salina, KS (FHA|USDA|VA) 1 $185,000 $185,000 $9,427 5.50%
Vicksburg, MS (FHA|USDA|VA) 1 $185,000 $185,000 $6,001 2.88%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $185,000 $185,000 $9,903 4.13%
GREELEY, CO (FHA|USDA|VA) 1 $185,000 $185,000 $12,014 5.50%
Enterprise, AL (FHA|USDA|VA) 1 $185,000 $185,000 $6,232 6.88%
Bedford, IN (FHA|USDA|VA) 1 $175,000 $175,000 $13,209 3.88%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $175,000 $175,000 $6,834 4.63%
Bellefontaine, OH (FHA|USDA|VA) 1 $175,000 $175,000 $9,066 3.38%
Marion, OH (FHA|USDA|VA) 1 $175,000 $175,000 $10,947 3.88%
Washington, IN (FHA|USDA|VA) 1 $175,000 $175,000 $5,837 2.88%
Aberdeen, WA (FHA|USDA|VA) 1 $175,000 $175,000 $8,779 3.25%
Cullman, AL (FHA|USDA|VA) 1 $175,000 $175,000 $7,024 4.50%
WALLA WALLA, WA (FHA|USDA|VA) 1 $175,000 $175,000 $7,347 4.63%
HINESVILLE, GA (FHA|USDA|VA) 1 $175,000 $175,000 $12,415 5.00%
Mount Sterling, KY (FHA|USDA|VA) 1 $175,000 $175,000 $7,454 5.75%
Marion, NC (FHA|USDA|VA) 1 $175,000 $175,000 $6,770 5.50%
ODESSA, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,385 3.99%
TYLER, TX (FHA|USDA|VA) 1 $165,000 $165,000 $7,144 4.88%
Kendallville, IN (FHA|USDA|VA) 1 $165,000 $165,000 $9,798 3.88%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $165,000 $165,000 $6,027 4.63%
Elizabeth City, NC (FHA|USDA|VA) 1 $165,000 $165,000 $5,733 4.99%
FLORENCE, SC (FHA|USDA|VA) 1 $155,000 $155,000 $5,939 4.50%
North Vernon, IN (FHA|USDA|VA) 1 $155,000 $155,000 $6,058 6.38%
Portsmouth, OH (FHA|USDA|VA) 1 $155,000 $155,000 $5,718 5.63%
KOKOMO, IN (FHA|USDA|VA) 1 $155,000 $155,000 $5,680 3.25%
Key West, FL (FHA|USDA|VA) 1 $155,000 $155,000 $10,076 5.13%
ROME, GA (FHA|USDA|VA) 1 $155,000 $155,000 $5,979 4.38%
HAMMOND, LA (FHA|USDA|VA) 1 $155,000 $155,000 $2,086 4.63%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $155,000 $155,000 $6,367 3.75%
Henderson, NC (FHA|USDA|VA) 1 $155,000 $155,000 $8,712 5.38%
LONGVIEW, WA (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.75%
Vincennes, IN (FHA|USDA|VA) 1 $155,000 $155,000 $9,718 4.00%
JACKSON, MI (FHA|USDA|VA) 1 $155,000 $155,000 $11,040 3.88%
CHEYENNE, WY (FHA|USDA|VA) 1 $155,000 $155,000 $8,884 6.25%
Frankfort, IN (FHA|USDA|VA) 1 $145,000 $145,000 $5,713 4.13%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $145,000 $145,000 $10,354 3.00%
Plymouth, IN (FHA|USDA|VA) 1 $145,000 $145,000 $5,750 5.13%
LIMA, OH (FHA|USDA|VA) 1 $145,000 $145,000 $3,816 3.50%
SANTA FE, NM (FHA|USDA|VA) 1 $145,000 $145,000 $8,593 5.25%
Urbana, OH (FHA|USDA|VA) 1 $145,000 $145,000 $10,078 3.50%
Campbellsville, KY (FHA|USDA|VA) 1 $145,000 $145,000 $9,249 5.75%
McComb, MS (FHA|USDA|VA) 2 $140,000 $70,000 $5,753 4.50%
Lock Haven, PA (FHA|USDA|VA) 1 $135,000 $135,000 $7,238 4.63%
London, KY (FHA|USDA|VA) 1 $135,000 $135,000 $8,696 5.13%
Adrian, MI (FHA|USDA|VA) 1 $135,000 $135,000 $4,532 3.88%
Arkadelphia, AR (FHA|USDA|VA) 1 $135,000 $135,000 $5,960 7.25%
Brevard, NC (FHA|USDA|VA) 1 $135,000 $135,000 $6,278 2.88%
Martin, TN (FHA|USDA|VA) 1 $125,000 $125,000 $7,464 3.25%
EL PASO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $4,864 3.88%
Ozark, AL (FHA|USDA|VA) 1 $125,000 $125,000 $5,077 2.75%
Cordele, GA (FHA|USDA|VA) 1 $125,000 $125,000 $4,420 5.50%
Palatka, FL (FHA|USDA|VA) 1 $125,000 $125,000 $8,942 2.88%
Meadville, PA (FHA|USDA|VA) 1 $125,000 $125,000 $6,749 4.88%
Dayton, TN (FHA|USDA|VA) 1 $125,000 $125,000 $9,223 4.63%
STOCKTON, CA (FHA|USDA|VA) 1 $125,000 $125,000 $5,723 3.99%
Milledgeville, GA (FHA|USDA|VA) 1 $125,000 $125,000 $10,348 4.75%
Mount Pleasant, MI (FHA|USDA|VA) 1 $125,000 $125,000 $8,675 5.00%
Lewistown, PA (FHA|USDA|VA) 1 $125,000 $125,000 $8,343 7.25%
Picayune, MS (FHA|USDA|VA) 1 $115,000 $115,000 $6,131 2.88%
Waycross, GA (FHA|USDA|VA) 1 $115,000 $115,000 $4,320 5.75%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,217 5.38%
Washington Court House, OH (FHA|USDA|VA) 1 $115,000 $115,000 $4,762 4.63%
Gloversville, NY (FHA|USDA|VA) 1 $115,000 $115,000 $6,436 5.75%
Searcy, AR (FHA|USDA|VA) 1 $115,000 $115,000 $7,092 5.25%
Silver City, NM (FHA|USDA|VA) 1 $115,000 $115,000 $6,206 5.88%
Eufaula, AL-GA (FHA|USDA|VA) 1 $115,000 $115,000 $6,498 4.63%
Mount Pleasant, TX (FHA|USDA|VA) 1 $115,000 $115,000 $4,604 2.99%
Marion, IN (FHA|USDA|VA) 1 $115,000 $115,000 $4,759 3.75%
Wabash, IN (FHA|USDA|VA) 1 $115,000 $115,000 $7,659 4.38%
Jackson, OH (FHA|USDA|VA) 1 $105,000 $105,000 $6,951 3.63%
Thomasville, GA (FHA|USDA|VA) 1 $105,000 $105,000 $8,795 6.00%
Hobbs, NM (FHA|USDA|VA) 1 $105,000 $105,000 $7,614 2.88%
Lake City, FL (FHA|USDA|VA) 1 $105,000 $105,000 $5,350 3.25%
Logansport, IN (FHA|USDA|VA) 1 $105,000 $105,000 $5,266 3.75%
Union, SC (FHA|USDA|VA) 1 $105,000 $105,000 $6,366 5.75%
Camden, AR (FHA|USDA|VA) 1 $105,000 $105,000 $7,531 3.63%
Peru, IN (FHA|USDA|VA) 1 $95,000 $95,000 $2,402 5.75%
MIDLAND, MI (FHA|USDA|VA) 1 $95,000 $95,000 $6,082 3.63%
Brainerd, MN (FHA|USDA|VA) 1 $95,000 $95,000 $4,046 3.88%
Mayfield, KY (FHA|USDA|VA) 1 $85,000 $85,000 $6,215 4.63%
Lumberton, NC (FHA|USDA|VA) 1 $85,000 $85,000 $3,989 2.88%
Oneonta, NY (FHA|USDA|VA) 1 $85,000 $85,000 $5,419 5.75%
La Grande, OR (FHA|USDA|VA) 1 $85,000 $85,000 $5,981 5.99%
Mount Airy, NC (FHA|USDA|VA) 1 $85,000 $85,000 $6,389 3.75%
Evanston, WY (FHA|USDA|VA) 1 $85,000 $85,000 $5,991 4.38%
Selma, AL (FHA|USDA|VA) 1 $75,000 $75,000 $2,047 4.00%
Bogalusa, LA (FHA|USDA|VA) 1 $75,000 $75,000 $6,015 5.25%
Bradford, PA (FHA|USDA|VA) 1 $75,000 $75,000 $4,085 5.63%
Meridian, MS (FHA|USDA|VA) 1 $75,000 $75,000 $4,390 3.38%
Cleveland, MS (FHA|USDA|VA) 1 $65,000 $65,000 $4,398 2.99%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $65,000 $65,000 $4,285 6.13%
PINE BLUFF, AR (FHA|USDA|VA) 1 $65,000 $65,000 $5,894 5.50%
Blytheville, AR (FHA|USDA|VA) 1 $65,000 $65,000 $3,009 3.99%
Martinsville, VA (FHA|USDA|VA) 1 $55,000 $55,000 $4,074 5.99%
Jesup, GA (FHA|USDA|VA) 1 $55,000 $55,000 $4,586 4.00%
El Dorado, AR (FHA|USDA|VA) 1 $45,000 $45,000 $3,055 3.50%
Reliance First Capital's top markets include New York, Cleveland, Charlotte, Atlanta, and Nashville among others.

Their top states include:
  • New York (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,803 $627,155,000 $223,744 $7,971 4.77%
    FHA 1,613 $347,075,000 $215,174 $11,042 4.84%
    VA 613 $158,755,000 $258,980 $9,951 4.76%
    USDA 26 $4,340,000 $166,923 $5,074 4.63%
    FHA 1 $155,000 $155,000 $0 5.75%

    For 2022, Reliance First Capital's most frequently originated type of loan was Conventional, with 2,803 originations. Their 2nd most popular type was FHA, with 1,613 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 4,183 $923,575,000 $220,792 $9,435 4.77%
    Home Purchase 668 $171,750,000 $257,111 $8,050 5.25%
    Refi 205 $42,155,000 $205,634 $7,725 3.72%

    For 2022, Reliance First Capital's most frequently cited loan purpose was Cash Out Refi, with 4,183 originations. The 2nd most popular reason was Home Purchase, with 668 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,627 $855,775,000 $235,946 $9,678 4.95%
    15 Year 620 $114,660,000 $184,935 $7,393 4.18%
    Other 588 $128,320,000 $218,231 $8,617 4.52%
    20 Year 180 $32,650,000 $181,389 $8,108 4.69%
    10 Year 41 $6,075,000 $148,171 $5,766 4.28%

    For 2022, Reliance First Capital's most frequently cited loan duration was 30 Year, with 3,627 originations. The 2nd most popular length was 15 Year, with 620 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 2,408 $680,610,000 $282,645
    $3k-4k 819 $126,915,000 $154,963
    $4k-5k 754 $136,460,000 $180,981
    $2k-3k 494 $76,670,000 $155,202
    $<1k 308 $67,790,000 $220,097
    $1k-2k 239 $41,225,000 $172,490

    Reliance First Capital's average total fees were $9,678, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,408 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,443 $327,255,000 $226,788
    3-4% 1,413 $310,725,000 $219,904
    4-5% 1,064 $246,840,000 $231,992
    6-7% 475 $106,765,000 $224,768
    2.5-3% 368 $80,490,000 $218,723
    7-8% 187 $39,185,000 $209,545
    <2.5% 54 $11,660,000 $215,926
    Over 8% 52 $14,560,000 $280,000

    During 2022, Reliance First Capital's average interest rate for loans was 4.95%, while their most frequently originated rate bucket for loans was 5-6%, with 1,443 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 2,257 $340,595,000 $150,906 $7,134 4.73%
    $200k-400k 1,932 $522,740,000 $270,569 $10,660 4.81%
    $100,000 or less 399 $31,265,000 $78,358 $4,835 4.95%
    $400k-600k 384 $180,970,000 $471,276 $15,511 4.85%
    $600k-1MM 79 $55,665,000 $704,620 $21,422 4.75%
    $1MM+ 5 $6,245,000 $1,249,000 $32,340 7.33%

    2022 saw Reliance First Capital place emphasis on $100k-200k loans with 2,257 originations, totaling $340,595,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,498 $293,690,000 $196,055 $8,578 4.81%
    $50k or less 1,300 $187,180,000 $143,985 $6,984 4.62%
    $75k-100k 924 $219,540,000 $237,597 $9,768 4.79%
    $100k-150k 856 $251,970,000 $294,357 $10,824 4.90%
    $150k-250k 369 $132,525,000 $359,146 $12,506 4.88%
    $250k+ 109 $52,575,000 $482,339 $14,035 5.34%

    Reliance First Capital lent most frequently to those with incomes in the $50k-75k range, with 1,498 originations. The second most popular income band? $50k or less, with 1,300 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 832 $177,910,000 $213,834 $8,555 4.68%
    20-30% 700 $142,410,000 $203,443 $8,355 4.65%
    50-60% 554 $134,160,000 $242,166 $11,202 4.79%
    44% 320 $76,080,000 $237,750 $9,552 4.82%
    49% 235 $58,765,000 $250,064 $10,128 5.03%
    42% 229 $54,585,000 $238,362 $9,216 4.77%
    43% 229 $53,615,000 $234,127 $9,539 4.78%
    <20% 208 $40,960,000 $196,923 $7,518 5.30%
    45% 199 $48,895,000 $245,704 $9,637 4.80%
    39% 197 $43,615,000 $221,396 $8,759 4.82%
    40% 188 $45,430,000 $241,649 $9,328 4.87%
    41% 186 $41,440,000 $222,796 $8,839 4.72%
    48% 174 $39,030,000 $224,310 $9,317 4.74%
    38% 173 $37,275,000 $215,462 $8,368 4.86%
    46% 163 $39,165,000 $240,276 $10,051 4.81%
    37% 158 $33,610,000 $212,722 $8,207 4.85%
    36% 154 $35,150,000 $228,247 $9,062 4.82%
    47% 153 $34,445,000 $225,131 $9,273 4.70%
    >60% 4 $940,000 $235,000 $14,254 4.41%

    Reliance First Capital lent most frequently to those with DTI ratios of 30-36%, with 832 originations. The next most common DTI ratio? 20-30%, with 700 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,305 $734,545,000 $222,253 $9,031 4.73%
    Black 852 $188,820,000 $221,620 $9,111 4.90%
    Not provided 799 $188,765,000 $236,252 $9,766 4.94%
    Asian 57 $15,845,000 $277,982 $10,205 4.62%
    American Indian 34 $7,260,000 $213,529 $10,330 4.55%
    Native Hawaiian or Islander 9 $2,245,000 $249,444 $9,967 5.54%

    Approval Rates

    Total approvals of all applications
    95.11%

    Reliance First Capital has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    81.45%

    Reliance First Capital has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,056 $1,137,480,000 $224,976

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5,056 $1,137,480,000 $224,976

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 298 $45,190,000 $151,644 $6,815 4.71%
    40-60% 874 $165,630,000 $189,508 $7,803 4.71%
    60-80% 2,291 $529,345,000 $231,054 $9,574 4.78%
    80-100% 1,543 $391,265,000 $253,574 $9,928 4.86%
    Over 100% 6 $1,720,000 $286,667 $12,208 4.08%
    Under 20% 44 $4,330,000 $98,409 $5,434 5.25%