1st Reliant Home Loans, Inc. Mortgage Lending & HMDA Data, 2021
In 2021, 1st Reliant Home Loans, Inc. of Costa Mesa, CA reported 330 mortgage applications totaling $193.2 million, up 22% from 2020. The average application was for $585,363, and applicants reported an average income of $158,818. 61% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (55), Anaheim-Santa Ana-Irvine, CA (44) and Riverside-San Bernardino-Ontario, CA (28) (applications in parentheses).
| Mortgage Company & Address | 1st Reliant Home Loans, Inc. 575 Anton Blvd #800 Costa Mesa, CA 92626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 330 |
| Total Mortgage Loan Application Amount | $193,170,000 |
| Average Mortgage Loan Application Amount | $585,363 |
| Highest Mortgage Loan Application Amount | $9,605,000 |
| Average Applicant Income | $158,818 |
| Highest Applicant Income | $1,671,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records 1st Reliant Home Loans, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 55 | $ 46,145,000 | $ 839,000 | $ 151,000 |
| Orange, California | 44 | $ 33,130,000 | $ 752,954 | $ 220,000 |
| Riverside, California | 22 | $ 9,150,000 | $ 415,909 | $ 115,000 |
| San Diego, California | 10 | $ 5,490,000 | $ 549,000 | $ 193,000 |
| Santa Clara, California | 9 | $ 5,905,000 | $ 656,111 | $ 158,000 |
| Harris, Texas | 8 | $ 2,870,000 | $ 358,750 | $ 105,000 |
| Alameda, California | 6 | $ 5,560,000 | $ 926,666 | $ 190,000 |
| San Bernardino, California | 6 | $ 1,870,000 | $ 311,666 | $ 48,000 |
| Cook, Illinois | 6 | $ 2,100,000 | $ 350,000 | $ 97,000 |
| Union, New Jersey | 6 | $ 2,200,000 | $ 366,666 | $ 75,000 |
| Stanislaus, California | 5 | $ 1,325,000 | $ 265,000 | $ 130,000 |
| Orange, Florida | 5 | $ 1,135,000 | $ 227,000 | $ 217,000 |
| Howard, Maryland | 5 | $ 3,275,000 | $ 655,000 | $ 226,000 |
| Collin, Texas | 5 | $ 1,665,000 | $ 333,000 | $ 200,000 |
| Denton, Texas | 5 | $ 2,335,000 | $ 467,000 | $ 206,000 |
| San Luis Obispo, California | 4 | $ 1,010,000 | $ 252,500 | $ 82,000 |
| Okaloosa, Florida | 4 | $ 1,960,000 | $ 490,000 | $ 179,000 |
| Somerset, New Jersey | 4 | $ 1,600,000 | $ 400,000 | $ 137,000 |
| Brazoria, Texas | 4 | $ 700,000 | $ 175,000 | $ 127,000 |
| Galveston, Texas | 4 | $ 1,610,000 | $ 402,500 | $ 255,000 |
| Tarrant, Texas | 4 | $ 1,110,000 | $ 277,500 | $ 82,000 |
| Fresno, California | 3 | $ 1,085,000 | $ 361,666 | $ 112,000 |
| Kern, California | 3 | $ 1,095,000 | $ 365,000 | $ 226,000 |
| Santa Barbara, California | 3 | $ 895,000 | $ 298,333 | $ 88,000 |
| Miami-Dade, Florida | 3 | $ 1,865,000 | $ 621,666 | $ 168,000 |
| Osceola, Florida | 3 | $ 1,135,000 | $ 378,333 | $ 146,000 |
| Pasco, Florida | 3 | $ 665,000 | $ 221,666 | $ 169,000 |
| Bergen, New Jersey | 3 | $ 9,365,000 | $ 3,121,666 | $ 151,000 |
| Hudson, New Jersey | 3 | $ 1,105,000 | $ 368,333 | $ 126,000 |
| Morris, New Jersey | 3 | $ 1,565,000 | $ 521,666 | $ 235,000 |
| Ellis, Texas | 3 | $ 625,000 | $ 208,333 | $ 44,000 |
| Contra Costa, California | 2 | $ 10,350,000 | $ 5,175,000 | $ 190,000 |
| San Francisco, California | 2 | $ 2,490,000 | $ 1,245,000 | $ 0 |
| San Joaquin, California | 2 | $ 940,000 | $ 470,000 | $ 93,000 |
| San Mateo, California | 2 | $ 1,750,000 | $ 875,000 | $ 194,000 |
| Sonoma, California | 2 | $ 890,000 | $ 445,000 | $ 289,000 |
| Ventura, California | 2 | $ 920,000 | $ 460,000 | $ 134,000 |
| Broward, Florida | 2 | $ 690,000 | $ 345,000 | $ 198,000 |
| Palm Beach, Florida | 2 | $ 940,000 | $ 470,000 | $ 84,000 |
| Pinellas, Florida | 2 | $ 820,000 | $ 410,000 | $ 355,000 |
| Camden, New Jersey | 2 | $ 510,000 | $ 255,000 | $ 58,000 |
| Essex, New Jersey | 2 | $ 1,130,000 | $ 565,000 | $ 231,000 |
| Middlesex, New Jersey | 2 | $ 570,000 | $ 285,000 | $ 94,000 |
| Monmouth, New Jersey | 2 | $ 630,000 | $ 315,000 | $ 274,000 |
| Ocean, New Jersey | 2 | $ 690,000 | $ 345,000 | $ 108,000 |
| Dallas, Texas | 2 | $ 1,370,000 | $ 685,000 | $ 158,000 |
| Travis, Texas | 2 | $ 1,080,000 | $ 540,000 | $ 373,000 |
| King, Washington | 2 | $ 1,690,000 | $ 845,000 | $ 316,000 |
| Mariposa, California | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Placer, California | 1 | $ 245,000 | $ 245,000 | $ 230,000 |
| Sacramento, California | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Santa Cruz, California | 1 | $ 395,000 | $ 395,000 | $ 230,000 |
| Adams, Colorado | 1 | $ 335,000 | $ 335,000 | $ 119,000 |
| Brevard, Florida | 1 | $ 355,000 | $ 355,000 | $ 131,000 |
| Flagler, Florida | 1 | $ 335,000 | $ 335,000 | $ 329,000 |
| Hillsborough, Florida | 1 | $ 205,000 | $ 205,000 | $ 170,000 |
| Lake, Florida | 1 | $ 205,000 | $ 205,000 | $ 107,000 |
| Liberty, Florida | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Polk, Florida | 1 | $ 215,000 | $ 215,000 | $ 74,000 |
| Volusia, Florida | 1 | $ 175,000 | $ 175,000 | $ 230,000 |
| DuPage, Illinois | 1 | $ 505,000 | $ 505,000 | $ 124,000 |
| Lake, Illinois | 1 | $ 545,000 | $ 545,000 | $ 172,000 |
| McHenry, Illinois | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Will, Illinois | 1 | $ 225,000 | $ 225,000 | $ 100,000 |
| Baltimore, Maryland | 1 | $ 865,000 | $ 865,000 | $ 780,000 |
| Carroll, Maryland | 1 | $ 525,000 | $ 525,000 | $ 128,000 |
| Kent, Maryland | 1 | $ 485,000 | $ 485,000 | $ 630,000 |
| Montgomery, Maryland | 1 | $ 195,000 | $ 195,000 | $ 40,000 |
| Prince George's, Maryland | 1 | $ 235,000 | $ 235,000 | $ 0 |
| St. Mary's, Maryland | 1 | $ 545,000 | $ 545,000 | $ 90,000 |
| Cape May, New Jersey | 1 | $ 125,000 | $ 125,000 | $ 23,000 |
| Mercer, New Jersey | 1 | $ 165,000 | $ 165,000 | $ 105,000 |
| Wood, Ohio | 1 | $ 215,000 | $ 215,000 | $ 82,000 |
| Fannin, Texas | 1 | $ 755,000 | $ 755,000 | $ 156,000 |
| Fort Bend, Texas | 1 | $ 335,000 | $ 335,000 | $ 94,000 |
| Harrison, Texas | 1 | $ 165,000 | $ 165,000 | $ 173,000 |
| McLennan, Texas | 1 | $ 345,000 | $ 345,000 | $ 126,000 |
| Williamson, Texas | 1 | $ 545,000 | $ 545,000 | $ 180,000 |
| Pierce, Washington | 1 | $ 195,000 | $ 195,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for 1st Reliant Home Loans, Inc. in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 260 | $158,610,000 | $610,000 | $9,605,000 | $168,000 | $1,671,000 |
| Home Purchase | 64 | $31,780,000 | $496,000 | $1,435,000 | $125,000 | $630,000 |
| Cash-out Refinancing | 5 | $2,355,000 | $471,000 | $705,000 | $91,000 | $168,000 |
| Home Improvement | 1 | $425,000 | $425,000 | $425,000 | $275,000 | $275,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Asian | 129 | $84,955,000 | $658,000 | $8,705,000 | $161,000 | $1,671,000 |
| White | 110 | $62,250,000 | $565,000 | $6,805,000 | $183,000 | $780,000 |
| Not Provided | 59 | $24,005,000 | $406,000 | $1,435,000 | $140,000 | $346,000 |
| Hispanic | 23 | $18,215,000 | $791,000 | $9,605,000 | $113,000 | $494,000 |
| Black or African American | 9 | $3,745,000 | $416,000 | $855,000 | $98,000 | $285,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 330 | $193,170,000 | $585,000 | $9,605,000 | $160,000 | $1,671,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 202 | $95,550,000 | $473,000 | $1,875,000 | $166,000 | $1,671,000 |
| Application Withdrawn By Applicant | 57 | $61,055,000 | $1,071,000 | $9,605,000 | $187,000 | $780,000 |
| File Closed For Incompleteness | 52 | $30,080,000 | $578,000 | $2,035,000 | $132,000 | $471,000 |
| Application Denied By Financial Institution | 18 | $6,150,000 | $341,000 | $765,000 | $87,000 | $180,000 |
| Application Approved But Not Accepted | 1 | $335,000 | $335,000 | $335,000 | $191,000 | $191,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 312 | $187,020,000 | $599,000 | $9,605,000 | $164,000 | $1,671,000 |
| Debt-To-Income Ratio | 13 | $4,505,000 | $346,000 | $765,000 | $78,000 | $180,000 |
| Credit History | 4 | $890,000 | $222,000 | $405,000 | $99,000 | $173,000 |
| Employment History | 1 | $755,000 | $755,000 | $755,000 | $156,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 1st Reliant Home Loans, Inc.'s 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess 1st Reliant Home Loans, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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