Reliant Bank Mortgage Lending & HMDA Data, 2016

In 2016, Reliant Bank of Brentwood, TN reported 1,392 mortgage applications totaling $343.7 million, down 48% from 2015. The average application was for $246,933, and applicants reported an average income of $113,547. 46% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (364), Chicago-Naperville-Arlington Heights, IL (60) and New York-Jersey City-White Plains, NY-NJ (39) (applications in parentheses).

Mortgage Company & Address Reliant Bank
1736 Carothers Parkway
Brentwood, TN 37027
Tel #: available with data download
Federal Regulator * available with data download
Years 2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  
Total Number of Mortgage Applications 1,392
Total Mortgage Loan Application Amount $343,731,000
Average Mortgage Loan Application Amount $246,933
Highest Mortgage Loan Application Amount $1,736,000
Average Applicant Income $113,547
Highest Applicant Income $6,000,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Reliant Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Reliant Bank by Metropolitan Area in 2016

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Nashville-Davidson--Murfreesboro--Franklin, TN 364 $ 83,684,000 $ 229,901 $ 117,000
Chicago-Naperville-Arlington Heights, IL 60 $ 12,561,000 $ 209,350 $ 74,000
New York-Jersey City-White Plains, NY-NJ 39 $ 13,670,000 $ 350,512 $ 131,025
Tampa-St. Petersburg-Clearwater, FL 29 $ 5,742,000 $ 198,000 $ 77,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 26 $ 12,530,000 $ 481,923 $ 152,384
Atlanta-Sandy Springs-Roswell, GA 25 $ 5,790,000 $ 231,600 $ 100,000
Los Angeles-Long Beach-Glendale, CA 21 $ 9,315,000 $ 443,571 $ 158,000
Columbus, OH 20 $ 3,354,000 $ 167,700 $ 86,000
Phoenix-Mesa-Scottsdale, AZ 20 $ 4,681,000 $ 234,050 $ 107,000
Riverside-San Bernardino-Ontario, CA 19 $ 4,956,000 $ 260,842 $ 96,000
Nassau County-Suffolk County, NY 17 $ 6,343,000 $ 373,117 $ 107,000
Louisville/Jefferson County, KY-IN 15 $ 2,202,000 $ 146,800 $ 55,000
Anaheim-Santa Ana-Irvine, CA 14 $ 8,155,000 $ 582,500 $ 150,000
Baltimore-Columbia-Towson, MD 14 $ 4,472,000 $ 319,428 $ 229,000
Charlotte-Concord-Gastonia, NC-SC 14 $ 3,372,000 $ 240,857 $ 98,857
Cambridge-Newton-Framingham, MA 12 $ 4,400,000 $ 366,666 $ 593,000
Jacksonville, FL 11 $ 2,829,000 $ 257,181 $ 74,000
Lake County-Kenosha County, IL-WI 11 $ 2,039,000 $ 185,363 $ 79,000
Seattle-Bellevue-Everett, WA 11 $ 3,751,000 $ 341,000 $ 123,000
Houston-The Woodlands-Sugar Land, TX 10 $ 2,654,000 $ 265,400 $ 98,000
Raleigh, NC 9 $ 2,856,000 $ 317,333 $ 126,000
Warren-Troy-Farmington Hills, MI 9 $ 2,179,000 $ 242,111 $ 144,000
Lakeland-Winter Haven, FL 8 $ 1,235,000 $ 154,375 $ 91,000
Las Vegas-Henderson-Paradise, NV 8 $ 2,021,000 $ 252,625 $ 102,000
Miami-Miami Beach-Kendall, FL 8 $ 2,245,000 $ 280,625 $ 100,000
Oakland-Hayward-Berkeley, CA 8 $ 4,094,000 $ 511,750 $ 128,000
Sacramento--Roseville--Arden-Arcade, CA 8 $ 1,789,000 $ 223,625 $ 62,000
San Diego-Carlsbad, CA 8 $ 3,514,000 $ 439,250 $ 106,000
Cape Coral-Fort Myers, FL 7 $ 1,461,000 $ 208,714 $ 108,000
Knoxville, TN 7 $ 1,332,000 $ 190,285 $ 410,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 7 $ 995,000 $ 142,142 $ 107,000
San Francisco-Redwood City-South San Francisco, CA 7 $ 5,392,000 $ 770,285 $ 194,000
Albany-Schenectady-Troy, NY 6 $ 993,000 $ 165,500 $ 68,000
Bridgeport-Stamford-Norwalk, CT 6 $ 2,789,000 $ 464,833 $ 161,000
Jackson, MS 6 $ 880,000 $ 146,666 $ 51,000
Newark, NJ-PA 6 $ 1,428,000 $ 238,000 $ 94,666
Portland-Vancouver-Hillsboro, OR-WA 6 $ 1,327,000 $ 221,166 $ 104,500
Savannah, GA 6 $ 927,000 $ 154,500 $ 107,000
Silver Spring-Frederick-Rockville, MD 6 $ 3,314,000 $ 552,333 $ 436,000
Tucson, AZ 6 $ 1,210,000 $ 201,666 $ 69,000
Virginia Beach-Norfolk-Newport News, VA-NC 6 $ 1,756,000 $ 292,666 $ 744,000
Austin-Round Rock, TX 5 $ 1,891,000 $ 378,200 $ 208,000
Clarksville, TN-KY 5 $ 1,486,000 $ 297,200 $ 121,000
Minneapolis-St. Paul-Bloomington, MN-WI 5 $ 982,000 $ 196,400 $ 67,800
Omaha-Council Bluffs, NE-IA 5 $ 1,454,000 $ 290,800 $ 129,000
Orlando-Kissimmee-Sanford, FL 5 $ 844,000 $ 168,800 $ 49,000
Providence-Warwick, RI-MA 5 $ 2,506,000 $ 501,200 $ 291,400
St. Louis, MO-IL 5 $ 896,000 $ 179,200 $ 67,800
Worcester, MA-CT 5 $ 1,112,000 $ 222,400 $ 107,400
Baton Rouge, LA 4 $ 623,000 $ 155,750 $ 49,000
Buffalo-Cheektowaga-Niagara Falls, NY 4 $ 576,000 $ 144,000 $ 71,000
Cleveland-Elyria, OH 4 $ 545,000 $ 136,250 $ 65,000
Colorado Springs, CO 4 $ 1,429,000 $ 357,250 $ 107,000
Crestview-Fort Walton Beach-Destin, FL 4 $ 1,350,000 $ 337,500 $ 137,000
Deltona-Daytona Beach-Ormond Beach, FL 4 $ 1,187,000 $ 296,750 $ 430,000
Denver-Aurora-Lakewood, CO 4 $ 1,013,000 $ 253,250 $ 82,000
Greenville-Anderson-Mauldin, SC 4 $ 824,000 $ 206,000 $ 65,000
Kansas City, MO-KS 4 $ 567,000 $ 141,750 $ 36,000
Memphis, TN-MS-AR 4 $ 747,000 $ 186,750 $ 73,250
New Orleans-Metairie, LA 4 $ 614,000 $ 153,500 $ 59,000
North Port-Sarasota-Bradenton, FL 4 $ 781,000 $ 195,250 $ 48,000
Philadelphia, PA 4 $ 1,000,000 $ 250,000 $ 69,000
Rockingham County-Strafford County, NH 4 $ 974,000 $ 243,500 $ 69,000
San Jose-Sunnyvale-Santa Clara, CA 4 $ 2,896,000 $ 724,000 $ 179,000
Syracuse, NY 4 $ 568,000 $ 142,000 $ 90,000
Tacoma-Lakewood, WA 4 $ 1,307,000 $ 326,750 $ 59,000
West Palm Beach-Boca Raton-Delray Beach, FL 4 $ 965,000 $ 241,250 $ 88,000
Winston-Salem, NC 4 $ 619,000 $ 154,750 $ 75,000
Akron, OH 3 $ 636,000 $ 212,000 $ 76,000
Dayton, OH 3 $ 657,000 $ 219,000 $ 119,000
Elgin, IL 3 $ 430,000 $ 143,333 $ 72,000
Flint, MI 3 $ 382,000 $ 127,333 $ 57,000
Fresno, CA 3 $ 691,000 $ 230,333 $ 109,000
Hartford-West Hartford-East Hartford, CT 3 $ 647,000 $ 215,666 $ 107,000
Indianapolis-Carmel-Anderson, IN 3 $ 498,000 $ 166,000 $ 58,000
Jonesboro, AR 3 $ 610,000 $ 203,333 $ 94,000
Kingston, NY 3 $ 411,000 $ 137,000 $ 69,000
Little Rock-North Little Rock-Conway, AR 3 $ 437,000 $ 145,666 $ 90,000
New Haven-Milford, CT 3 $ 566,000 $ 188,666 $ 51,000
Oxnard-Thousand Oaks-Ventura, CA 3 $ 1,106,000 $ 368,666 $ 168,000
Panama City, FL 3 $ 394,000 $ 131,333 $ 65,000
Rochester, NY 3 $ 437,000 $ 145,666 $ 55,000
Spartanburg, SC 3 $ 527,000 $ 175,666 $ 90,000
Springfield, MO 3 $ 539,000 $ 179,666 $ 87,000
Vallejo-Fairfield, CA 3 $ 857,000 $ 285,666 $ 65,000
Albuquerque, NM 2 $ 448,000 $ 224,000 $ 94,000
Allentown-Bethlehem-Easton, PA-NJ 2 $ 310,000 $ 155,000 $ 69,000
Anchorage, AK 2 $ 498,000 $ 249,000 $ 71,000
Bakersfield, CA 2 $ 315,000 $ 157,500 $ 26,000
Barnstable Town, MA 2 $ 425,000 $ 212,500 $ 74,000
Birmingham-Hoover, AL 2 $ 283,000 $ 141,500 $ 47,000
Boise City, ID 2 $ 571,000 $ 285,500 $ 175,000
Boston, MA 2 $ 735,000 $ 367,500 $ 130,000
Brunswick, GA 2 $ 862,000 $ 431,000 $ 105,000
Camden, NJ 2 $ 433,000 $ 216,500 $ 103,000
Charleston, WV 2 $ 284,000 $ 142,000 $ 83,000
Cincinnati, OH-KY-IN 2 $ 241,000 $ 120,500 $ 31,000
Coeur D'Alene, ID 2 $ 443,000 $ 221,500 $ 52,000
Columbia, SC 2 $ 442,000 $ 221,000 $ 117,000
Dallas-Plano-Irving, TX 2 $ 1,416,000 $ 708,000 $ 539,000
Detroit-Dearborn-Livonia, MI 2 $ 195,000 $ 97,500 $ 40,000
Duluth, MN-WI 2 $ 601,000 $ 300,500 $ 159,000
Eugene, OR 2 $ 443,000 $ 221,500 $ 62,000
Fayetteville, NC 2 $ 467,000 $ 233,500 $ 52,000
Fort Wayne, IN 2 $ 339,000 $ 169,500 $ 51,000
Fort Worth-Arlington, TX 2 $ 321,000 $ 160,500 $ 109,000
Gary, IN 2 $ 216,000 $ 108,000 $ 35,000
Jackson, MI 2 $ 341,000 $ 170,500 $ 65,000
Lake Havasu City-Kingman, AZ 2 $ 395,000 $ 197,500 $ 61,000
Lexington-Fayette, KY 2 $ 361,000 $ 180,500 $ 52,000
Manchester-Nashua, NH 2 $ 503,000 $ 251,500 $ 57,000
Michigan City-La Porte, IN 2 $ 252,000 $ 126,000 $ 42,000
Monroe, LA 2 $ 332,000 $ 166,000 $ 67,000
Montgomery County-Bucks County-Chester County, PA 2 $ 1,077,000 $ 538,500 $ 190,000
Naples-Immokalee-Marco Island, FL 2 $ 684,000 $ 342,000 $ 73,000
Ocala, FL 2 $ 317,000 $ 158,500 $ 86,000
Oklahoma City, OK 2 $ 368,000 $ 184,000 $ 114,000
Peoria, IL 2 $ 183,000 $ 91,500 $ 38,000
Pittsburgh, PA 2 $ 388,000 $ 194,000 $ 83,000
Portland-South Portland, ME 2 $ 619,000 $ 309,500 $ 117,000
Provo-Orem, UT 2 $ 607,000 $ 303,500 $ 110,000
Punta Gorda, FL 2 $ 528,000 $ 264,000 $ 67,000
Reno, NV 2 $ 932,000 $ 466,000 $ 110,000
Rochester, MN 2 $ 461,000 $ 230,500 $ 89,000
Salisbury, MD-DE 2 $ 1,250,000 $ 625,000 $ 419,000
Sebastian-Vero Beach, FL 2 $ 336,000 $ 168,000 $ 102,000
Springfield, OH 2 $ 236,000 $ 118,000 $ 58,000
Stockton-Lodi, CA 2 $ 463,000 $ 231,500 $ 21,000
Toledo, OH 2 $ 175,000 $ 87,500 $ 76,000
Trenton, NJ 2 $ 1,117,000 $ 558,500 $ 282,000
Urban Honolulu, HI 2 $ 771,000 $ 385,500 $ 95,000
Wilmington, NC 2 $ 551,000 $ 275,500 $ 121,000
York-Hanover, PA 2 $ 246,000 $ 123,000 $ 31,000
Amarillo, TX 1 $ 168,000 $ 168,000 $ 77,000
Ann Arbor, MI 1 $ 224,000 $ 224,000 $ 85,000
Appleton, WI 1 $ 74,000 $ 74,000 $ 23,000
Asheville, NC 1 $ 371,000 $ 371,000 $ 161,000
Augusta-Richmond County, GA-SC 1 $ 187,000 $ 187,000 $ 0
Bangor, ME 1 $ 145,000 $ 145,000 $ 35,000
Beaumont-Port Arthur, TX 1 $ 62,000 $ 62,000 $ 69,000
Bellingham, WA 1 $ 184,000 $ 184,000 $ 90,000
Bloomington, IL 1 $ 201,000 $ 201,000 $ 58,000
Boulder, CO 1 $ 311,000 $ 311,000 $ 253,000
Brownsville-Harlingen, TX 1 $ 256,000 $ 256,000 $ 102,000
Burlington-South Burlington, VT 1 $ 199,000 $ 199,000 $ 43,000
Canton-Massillon, OH 1 $ 55,000 $ 55,000 $ 19,000
Carson City, NV 1 $ 186,000 $ 186,000 $ 73,000
Chattanooga, TN-GA 1 $ 134,000 $ 134,000 $ 50,000
Columbus, GA-AL 1 $ 190,000 $ 190,000 $ 80,000
Daphne-Fairhope-Foley, AL 1 $ 142,000 $ 142,000 $ 139,000
Des Moines-West Des Moines, IA 1 $ 222,000 $ 222,000 $ 112,000
Dutchess County-Putnam County, NY 1 $ 341,000 $ 341,000 $ 99,000
El Paso, TX 1 $ 162,000 $ 162,000 $ 92,000
Elmira, NY 1 $ 94,000 $ 94,000 $ 23,000
Fort Collins, CO 1 $ 338,000 $ 338,000 $ 144,000
Gadsden, AL 1 $ 137,000 $ 137,000 $ 45,000
Gainesville, FL 1 $ 111,000 $ 111,000 $ 46,000
Gainesville, GA 1 $ 283,000 $ 283,000 $ 47,000
Grand Forks, ND-MN 1 $ 123,000 $ 123,000 $ 29,000
Greenville, NC 1 $ 257,000 $ 257,000 $ 198,000
Gulfport-Biloxi-Pascagoula, MS 1 $ 227,000 $ 227,000 $ 90,000
Hagerstown-Martinsburg, MD-WV 1 $ 408,000 $ 408,000 $ 109,000
Hanford-Corcoran, CA 1 $ 138,000 $ 138,000 $ 50,000
Harrisburg-Carlisle, PA 1 $ 180,000 $ 180,000 $ 118,000
Hickory-Lenoir-Morganton, NC 1 $ 61,000 $ 61,000 $ 51,000
Hinesville, GA 1 $ 171,000 $ 171,000 $ 53,000
Huntsville, AL 1 $ 148,000 $ 148,000 $ 306,000
Ithaca, NY 1 $ 163,000 $ 163,000 $ 52,000
Kahului-Wailuku-Lahaina, HI 1 $ 516,000 $ 516,000 $ 104,000
Kankakee, IL 1 $ 59,000 $ 59,000 $ 82,000
Kingsport-Bristol-Bristol, TN-VA 1 $ 103,000 $ 103,000 $ 48,000
Lafayette, LA 1 $ 117,000 $ 117,000 $ 54,000
Lafayette-West Lafayette, IN 1 $ 113,000 $ 113,000 $ 42,000
Lincoln, NE 1 $ 112,000 $ 112,000 $ 41,000
Lynchburg, VA 1 $ 209,000 $ 209,000 $ 0
Mansfield, OH 1 $ 83,000 $ 83,000 $ 53,000
Milwaukee-Waukesha-West Allis, WI 1 $ 255,000 $ 255,000 $ 43,000
Modesto, CA 1 $ 179,000 $ 179,000 $ 36,000
Monroe, MI 1 $ 93,000 $ 93,000 $ 50,000
Montgomery, AL 1 $ 83,000 $ 83,000 $ 52,000
Muskegon, MI 1 $ 305,000 $ 305,000 $ 126,000
Ocean City, NJ 1 $ 211,000 $ 211,000 $ 206,000
Ogden-Clearfield, UT 1 $ 247,000 $ 247,000 $ 120,000
Palm Bay-Melbourne-Titusville, FL 1 $ 139,000 $ 139,000 $ 16,000
Parkersburg-Vienna, WV 1 $ 81,000 $ 81,000 $ 45,000
Pensacola-Ferry Pass-Brent, FL 1 $ 162,000 $ 162,000 $ 57,000
Pine Bluff, AR 1 $ 108,000 $ 108,000 $ 32,000
Prescott, AZ 1 $ 184,000 $ 184,000 $ 44,000
Redding, CA 1 $ 251,000 $ 251,000 $ 80,000
Richmond, VA 1 $ 359,000 $ 359,000 $ 137,000
Rocky Mount, NC 1 $ 76,000 $ 76,000 $ 219,000
Saginaw, MI 1 $ 88,000 $ 88,000 $ 35,000
Salem, OR 1 $ 196,000 $ 196,000 $ 68,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA 1 $ 603,000 $ 603,000 $ 180,000
San Rafael, CA 1 $ 840,000 $ 840,000 $ 204,000
Sheboygan, WI 1 $ 138,000 $ 138,000 $ 80,000
Sioux City, IA-NE-SD 1 $ 170,000 $ 170,000 $ 52,000
South Bend-Mishawaka, IN-MI 1 $ 155,000 $ 155,000 $ 200,000
Tallahassee, FL 1 $ 128,000 $ 128,000 $ 37,000
Warner Robins, GA 1 $ 174,000 $ 174,000 $ 90,000
Wausau, WI 1 $ 240,000 $ 240,000 $ 164,000
Weirton-Steubenville, WV-OH 1 $ 350,000 $ 350,000 $ 101,000
Williamsport, PA 1 $ 116,000 $ 116,000 $ 52,000
Yakima, WA 1 $ 179,000 $ 179,000 $ 38,000
Youngstown-Warren-Boardman, OH-PA 1 $ 150,000 $ 150,000 $ 110,000

Mortgage Loan Application Detail Totals for Reliant Bank in 2016

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 711 $211,438,000 $297,000 $1,736,000 $123,000 $6,000,000
Home Purchase 675 $130,701,000 $193,000 $1,015,000 $103,000 $3,817,000
Home Improvement 6 $1,592,000 $265,000 $652,000 $180,000 $760,000

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 907 $217,061,000 $239,000 $1,736,000 $118,000 $6,000,000
Not Provided 198 $57,650,000 $291,000 $1,240,000 $133,000 $3,817,000
Black or African American 104 $20,938,000 $201,000 $520,000 $79,000 $307,000
Hispanic 98 $22,976,000 $234,000 $840,000 $89,000 $1,088,000
Asian 54 $18,487,000 $342,000 $1,165,000 $142,000 $587,000
Not applicable 22 $4,540,000 $206,000 $672,000 $0 $0
American Indian or Alaskan Native 7 $1,414,000 $202,000 $353,000 $67,000 $117,000
Native Hawaiin or Other Pacific Islander 2 $665,000 $332,000 $516,000 $75,000 $104,000

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) 845 $229,440,000 $271,000 $1,736,000 $143,000 $6,000,000
FHA-insured (Federal Housing Administration) 342 $68,881,000 $201,000 $575,000 $68,000 $307,000
VA-guaranteed (Veterans Administration) 148 $38,210,000 $258,000 $752,000 $76,000 $265,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 57 $7,200,000 $126,000 $376,000 $47,000 $93,000

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 637 $135,021,000 $211,000 $1,015,000 $111,000 $3,817,000
Application Withdrawn By Applicant 473 $133,345,000 $281,000 $1,736,000 $128,000 $6,000,000
Application Denied By Financial Institution 126 $35,412,000 $281,000 $1,141,000 $88,000 $426,000
File Closed For Incompleteness 108 $29,340,000 $271,000 $932,000 $101,000 $504,000
Application Approved But Not Accepted 48 $10,613,000 $221,000 $496,000 $104,000 $431,000
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
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $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
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Reliant Bank's 2016 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 Reliant Bank'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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