1st Reliant Home Loans, Inc. Mortgage Lending & HMDA Data, 2018
In 2018, 1st Reliant Home Loans, Inc. of Costa Mesa, CA reported 194 mortgage applications totaling $83.5 million. The average application was for $430,154, and applicants reported an average income of $133,572. 48% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (47), Anaheim-Santa Ana-Irvine, CA (35) and Riverside-San Bernardino-Ontario, CA (24) (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 | 194 |
| Total Mortgage Loan Application Amount | $83,450,000 |
| Average Mortgage Loan Application Amount | $430,154 |
| Highest Mortgage Loan Application Amount | $4,635,000 |
| Average Applicant Income | $133,572 |
| Highest Applicant Income | $738,000 |
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records 1st Reliant Home Loans, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 47 | $ 19,825,000 | $ 421,808 | $ 111,000 |
| Orange, California | 35 | $ 24,865,000 | $ 710,428 | $ 290,000 |
| Riverside, California | 13 | $ 3,855,000 | $ 296,538 | $ 116,000 |
| San Bernardino, California | 11 | $ 3,315,000 | $ 301,363 | $ 0 |
| Orange, Florida | 8 | $ 1,400,000 | $ 175,000 | $ 74,000 |
| King, Washington | 8 | $ 2,740,000 | $ 342,500 | $ 93,000 |
| Polk, Florida | 7 | $ 2,285,000 | $ 326,428 | $ 335,000 |
| Snohomish, Washington | 6 | $ 1,710,000 | $ 285,000 | $ 83,000 |
| San Diego, California | 4 | $ 2,140,000 | $ 535,000 | $ 305,000 |
| Miami-Dade, Florida | 4 | $ 1,130,000 | $ 282,500 | $ 0 |
| Santa Clara, California | 3 | $ 2,305,000 | $ 768,333 | $ 153,000 |
| Adams, Colorado | 3 | $ 635,000 | $ 211,666 | $ 39,000 |
| Denver, Colorado | 3 | $ 755,000 | $ 251,666 | $ 63,000 |
| Osceola, Florida | 3 | $ 975,000 | $ 325,000 | $ 0 |
| Cook, Illinois | 3 | $ 1,045,000 | $ 348,333 | $ 110,000 |
| Sacramento, California | 2 | $ 720,000 | $ 360,000 | $ 117,000 |
| San Francisco, California | 2 | $ 3,780,000 | $ 1,890,000 | $ 0 |
| San Luis Obispo, California | 2 | $ 720,000 | $ 360,000 | $ 214,000 |
| Ventura, California | 2 | $ 980,000 | $ 490,000 | $ 141,000 |
| Douglas, Colorado | 2 | $ 730,000 | $ 365,000 | $ 178,000 |
| Weld, Colorado | 2 | $ 500,000 | $ 250,000 | $ 72,000 |
| Brevard, Florida | 2 | $ 410,000 | $ 205,000 | $ 262,000 |
| Pierce, Washington | 2 | $ 410,000 | $ 205,000 | $ 57,000 |
| Alameda, California | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Merced, California | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Mono, California | 1 | $ 475,000 | $ 475,000 | $ 347,000 |
| San Joaquin, California | 1 | $ 305,000 | $ 305,000 | $ 0 |
| San Mateo, California | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Santa Cruz, California | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Solano, California | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Sonoma, California | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Stanislaus, California | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Arapahoe, Colorado | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Delta, Colorado | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| El Paso, Colorado | 1 | $ 175,000 | $ 175,000 | $ 68,000 |
| Larimer, Colorado | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| Charlotte, Florida | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Indian River, Florida | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Lake, Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Howard, Maryland | 1 | $ 385,000 | $ 385,000 | $ 182,000 |
| Bexar, Texas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Kitsap, Washington | 1 | $ 195,000 | $ 195,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for 1st Reliant Home Loans, Inc. in 2018
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 81 | $38,675,000 | $477,000 | $4,635,000 | $125,000 | $421,000 |
| Home Purchase | 64 | $26,560,000 | $415,000 | $1,775,000 | $180,000 | $738,000 |
| Refinancing | 48 | $18,020,000 | $375,000 | $1,925,000 | $88,000 | $182,000 |
| Not Applicable | 1 | $195,000 | $195,000 | $195,000 | $44,000 | $44,000 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| White | 71 | $31,065,000 | $437,000 | $4,635,000 | $113,000 | $347,000 |
| Hispanic | 51 | $18,845,000 | $369,000 | $2,605,000 | $67,000 | $129,000 |
| Asian | 46 | $24,310,000 | $528,000 | $1,925,000 | $215,000 | $738,000 |
| Black or African American | 13 | $3,915,000 | $301,000 | $645,000 | $80,000 | $117,000 |
| Not Provided | 5 | $1,225,000 | $245,000 | $445,000 | $71,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $725,000 | $241,000 | $305,000 | $73,000 | $87,000 |
| Not applicable | 3 | $1,345,000 | $448,000 | $645,000 | $485,000 | $485,000 |
| American Indian or Alaskan Native | 1 | $555,000 | $555,000 | $555,000 | $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) | 124 | $61,200,000 | $493,000 | $4,635,000 | $160,000 | $738,000 |
| FHA-insured (Federal Housing Administration) | 63 | $19,245,000 | $305,000 | $645,000 | $85,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 7 | $3,005,000 | $429,000 | $645,000 | $44,000 | $44,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 94 | $44,500,000 | $473,000 | $4,635,000 | $138,000 | $738,000 |
| File Closed For Incompleteness | 53 | $21,955,000 | $414,000 | $2,605,000 | $83,000 | $149,000 |
| Application Approved But Not Accepted | 32 | $11,760,000 | $367,000 | $1,045,000 | $75,000 | $75,000 |
| Application Withdrawn By Applicant | 13 | $4,305,000 | $331,000 | $805,000 | $92,000 | $215,000 |
| Application Denied By Financial Institution | 2 | $930,000 | $465,000 | $745,000 | $305,000 | $305,000 |
| 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 | 192 | $82,520,000 | $429,000 | $4,635,000 | $125,000 | $738,000 |
| Collateral | 1 | $745,000 | $745,000 | $745,000 | $305,000 | $305,000 |
| Debt-To-Income Ratio | 1 | $185,000 | $185,000 | $185,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 1st Reliant Home Loans, Inc.'s 2018 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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with aggregated HMDA statistics today.
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