Reliance First Capital, LLC Mortgage Lending & HMDA Data, 2023
In 2023, Reliance First Capital, LLC of Melville, NY reported 4,723 mortgage applications totaling $1.1 billion, down 25% from 2022. The average application was for $232,984, and applicants reported an average income of $90,985. 80% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Cleveland-Elyria, OH (308), Atlanta-Sandy Springs-Roswell, GA (226) and Charlotte-Concord-Gastonia, NC-SC (185) (applications in parentheses).
| Mortgage Company & Address | Reliance First Capital, LLC 201 Old Country Road Suite 205 Melville, NY 11747 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 4,723 |
| Total Mortgage Loan Application Amount | $1,100,385,000 |
| Average Mortgage Loan Application Amount | $232,984 |
| Highest Mortgage Loan Application Amount | $1,355,000 |
| Average Applicant Income | $90,985 |
| Highest Applicant Income | $2,698,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Reliance First Capital, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 740 | $ 143,950,000 | $ 194,527 | $ 77,285 |
| Cleveland-Elyria, OH | 308 | $ 67,500,000 | $ 219,155 | $ 102,000 |
| Atlanta-Sandy Springs-Roswell, GA | 226 | $ 54,560,000 | $ 241,415 | $ 89,000 |
| Charlotte-Concord-Gastonia, NC-SC | 185 | $ 47,095,000 | $ 254,567 | $ 103,145 |
| Pittsburgh, PA | 143 | $ 24,355,000 | $ 170,314 | $ 79,000 |
| Nassau County-Suffolk County, NY | 117 | $ 45,665,000 | $ 390,299 | $ 161,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 111 | $ 28,305,000 | $ 255,000 | $ 86,000 |
| New York-Jersey City-White Plains, NY-NJ | 86 | $ 34,210,000 | $ 397,790 | $ 134,953 |
| Raleigh, NC | 66 | $ 17,830,000 | $ 270,151 | $ 97,000 |
| New York-Newark, NY | 64 | $ 20,140,000 | $ 314,687 | $ 113,343 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 58 | $ 14,380,000 | $ 247,931 | $ 86,482 |
| Columbus, OH | 56 | $ 12,440,000 | $ 222,142 | $ 81,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 56 | $ 22,870,000 | $ 408,392 | $ 131,250 |
| Memphis, TN-MS-AR | 50 | $ 9,810,000 | $ 196,200 | $ 79,260 |
| Richmond, VA | 50 | $ 11,010,000 | $ 220,200 | $ 88,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 49 | $ 9,175,000 | $ 187,244 | $ 91,000 |
| Philadelphia, PA | 47 | $ 8,415,000 | $ 179,042 | $ 67,000 |
| Tampa-St. Petersburg-Clearwater, FL | 47 | $ 12,365,000 | $ 263,085 | $ 130,000 |
| Indianapolis-Carmel-Anderson, IN | 46 | $ 10,000,000 | $ 217,391 | $ 79,000 |
| Cincinnati, OH-KY-IN | 44 | $ 10,040,000 | $ 228,181 | $ 90,409 |
| Akron, OH | 43 | $ 9,015,000 | $ 209,651 | $ 90,000 |
| Greensboro-High Point, NC | 43 | $ 8,525,000 | $ 198,255 | $ 74,000 |
| Knoxville, TN | 41 | $ 10,035,000 | $ 244,756 | $ 93,000 |
| New Orleans-Metairie, LA | 41 | $ 9,195,000 | $ 224,268 | $ 92,000 |
| Rochester, NY | 40 | $ 7,090,000 | $ 177,250 | $ 83,000 |
| Providence-Warwick, RI-MA | 38 | $ 11,120,000 | $ 292,631 | $ 105,157 |
| Birmingham-Hoover, AL | 36 | $ 6,920,000 | $ 192,222 | $ 74,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 36 | $ 8,690,000 | $ 241,388 | $ 71,500 |
| Winston-Salem, NC | 36 | $ 7,160,000 | $ 198,888 | $ 77,000 |
| Tuscaloosa, AL | 35 | $ 7,565,000 | $ 216,142 | $ 71,000 |
| Greenville-Anderson-Mauldin, SC | 34 | $ 8,230,000 | $ 242,058 | $ 88,000 |
| Charleston-North Charleston, SC | 33 | $ 8,875,000 | $ 268,939 | $ 80,000 |
| Baltimore-Columbia-Towson, MD | 32 | $ 8,780,000 | $ 274,375 | $ 99,000 |
| Albany-Schenectady-Troy, NY | 31 | $ 6,445,000 | $ 207,903 | $ 93,000 |
| Hickory-Lenoir-Morganton, NC | 31 | $ 5,315,000 | $ 171,451 | $ 83,000 |
| Little Rock-North Little Rock-Conway, AR | 30 | $ 6,470,000 | $ 215,666 | $ 78,000 |
| Louisville/Jefferson County, KY-IN | 30 | $ 5,030,000 | $ 167,666 | $ 61,833 |
| Fayetteville, NC | 29 | $ 5,955,000 | $ 205,344 | $ 92,000 |
| Asheville, NC | 28 | $ 6,230,000 | $ 222,500 | $ 81,000 |
| Augusta-Richmond County, GA-SC | 28 | $ 6,210,000 | $ 221,785 | $ 91,964 |
| Columbia, SC | 28 | $ 5,940,000 | $ 212,142 | $ 91,000 |
| Hartford-West Hartford-East Hartford, CT | 28 | $ 7,290,000 | $ 260,357 | $ 123,000 |
| Montgomery County-Bucks County-Chester County, PA | 28 | $ 9,530,000 | $ 340,357 | $ 143,000 |
| Chattanooga, TN-GA | 27 | $ 5,825,000 | $ 215,740 | $ 69,000 |
| Orlando-Kissimmee-Sanford, FL | 26 | $ 6,080,000 | $ 233,846 | $ 80,000 |
| Rockingham County-Strafford County, NH | 24 | $ 6,250,000 | $ 260,416 | $ 112,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 23 | $ 7,145,000 | $ 310,652 | $ 130,000 |
| Durham-Chapel Hill, NC | 22 | $ 4,920,000 | $ 223,636 | $ 64,000 |
| Worcester, MA-CT | 22 | $ 6,910,000 | $ 314,090 | $ 104,272 |
| Jacksonville, FL | 21 | $ 4,485,000 | $ 213,571 | $ 76,000 |
| Newark, NJ-PA | 21 | $ 6,195,000 | $ 295,000 | $ 123,428 |
| Syracuse, NY | 21 | $ 3,835,000 | $ 182,619 | $ 112,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 20 | $ 3,500,000 | $ 175,000 | $ 64,300 |
| Cambridge-Newton-Framingham, MA | 20 | $ 6,770,000 | $ 338,500 | $ 160,000 |
| New Haven-Milford, CT | 20 | $ 4,930,000 | $ 246,500 | $ 83,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 20 | $ 7,110,000 | $ 355,500 | $ 101,000 |
| Camden, NJ | 19 | $ 4,505,000 | $ 237,105 | $ 96,000 |
| Salisbury, MD-DE | 19 | $ 4,165,000 | $ 219,210 | $ 63,631 |
| Albuquerque, NM | 18 | $ 3,500,000 | $ 194,444 | $ 73,000 |
| Savannah, GA | 18 | $ 4,320,000 | $ 240,000 | $ 80,000 |
| Boston, MA | 17 | $ 6,585,000 | $ 387,352 | $ 105,000 |
| Manchester-Nashua, NH | 16 | $ 4,730,000 | $ 295,625 | $ 113,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 16 | $ 2,750,000 | $ 171,875 | $ 80,000 |
| Warren-Troy-Farmington Hills, MI | 16 | $ 2,700,000 | $ 168,750 | $ 58,000 |
| Wilmington, DE-MD-NJ | 16 | $ 3,460,000 | $ 216,250 | $ 88,125 |
| Fayetteville-Springdale-Rogers, AR-MO | 15 | $ 3,315,000 | $ 221,000 | $ 83,000 |
| Spartanburg, SC | 15 | $ 2,475,000 | $ 165,000 | $ 55,000 |
| Springfield, MA | 15 | $ 3,105,000 | $ 207,000 | $ 65,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 4,650,000 | $ 332,142 | $ 124,000 |
| Clarksville, TN-KY | 14 | $ 3,610,000 | $ 257,857 | $ 84,000 |
| East Stroudsburg, PA | 14 | $ 3,070,000 | $ 219,285 | $ 83,000 |
| Gulfport-Biloxi-Pascagoula, MS | 14 | $ 2,610,000 | $ 186,428 | $ 91,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 14 | $ 4,390,000 | $ 313,571 | $ 99,000 |
| Reading, PA | 14 | $ 2,330,000 | $ 166,428 | $ 64,000 |
| Wilmington, NC | 14 | $ 2,960,000 | $ 211,428 | $ 98,000 |
| Bridgeport-Stamford-Norwalk, CT | 13 | $ 4,185,000 | $ 321,923 | $ 105,000 |
| Detroit-Dearborn-Livonia, MI | 13 | $ 2,055,000 | $ 158,076 | $ 77,000 |
| Mobile, AL | 13 | $ 1,895,000 | $ 145,769 | $ 80,000 |
| Palm Bay-Melbourne-Titusville, FL | 13 | $ 2,725,000 | $ 209,615 | $ 64,000 |
| Huntsville, AL | 12 | $ 2,850,000 | $ 237,500 | $ 81,000 |
| Johnson City, TN | 12 | $ 2,520,000 | $ 210,000 | $ 119,000 |
| North Port-Sarasota-Bradenton, FL | 12 | $ 2,850,000 | $ 237,500 | $ 82,000 |
| Portland-South Portland, ME | 12 | $ 3,070,000 | $ 255,833 | $ 79,000 |
| Canton-Massillon, OH | 11 | $ 2,745,000 | $ 249,545 | $ 116,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 11 | $ 3,205,000 | $ 291,363 | $ 92,000 |
| Gary, IN | 11 | $ 2,555,000 | $ 232,272 | $ 83,000 |
| Kingston, NY | 11 | $ 1,855,000 | $ 168,636 | $ 82,000 |
| Lynchburg, VA | 11 | $ 2,065,000 | $ 187,727 | $ 68,000 |
| York-Hanover, PA | 11 | $ 1,685,000 | $ 153,181 | $ 54,000 |
| Columbus, GA-AL | 10 | $ 2,210,000 | $ 221,000 | $ 115,500 |
| Florence, SC | 10 | $ 1,600,000 | $ 160,000 | $ 61,000 |
| Jackson, TN | 10 | $ 1,670,000 | $ 167,000 | $ 66,000 |
| Youngstown-Warren-Boardman, OH-PA | 10 | $ 1,610,000 | $ 161,000 | $ 66,200 |
| Erie, PA | 9 | $ 1,945,000 | $ 216,111 | $ 71,000 |
| Gainesville, GA | 9 | $ 2,065,000 | $ 229,444 | $ 65,000 |
| Grand Rapids-Wyoming, MI | 9 | $ 1,855,000 | $ 206,111 | $ 89,000 |
| Harrisburg-Carlisle, PA | 9 | $ 2,195,000 | $ 243,888 | $ 79,000 |
| Kingsport-Bristol-Bristol, TN-VA | 9 | $ 1,955,000 | $ 217,222 | $ 73,666 |
| Lancaster, PA | 9 | $ 2,475,000 | $ 275,000 | $ 90,000 |
| Lexington-Fayette, KY | 9 | $ 2,195,000 | $ 243,888 | $ 70,000 |
| Miami-Miami Beach-Kendall, FL | 9 | $ 3,085,000 | $ 342,777 | $ 89,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 9 | $ 2,285,000 | $ 253,888 | $ 92,000 |
| Port St. Lucie, FL | 9 | $ 2,005,000 | $ 222,777 | $ 109,000 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 3,645,000 | $ 405,000 | $ 143,000 |
| South Bend-Mishawaka, IN-MI | 9 | $ 1,535,000 | $ 170,555 | $ 66,555 |
| Toledo, OH | 9 | $ 1,425,000 | $ 158,333 | $ 71,000 |
| Washington-Baltimore-Arlington, DC | 9 | $ 2,535,000 | $ 281,666 | $ 87,000 |
| Baton Rouge, LA | 8 | $ 1,930,000 | $ 241,250 | $ 173,000 |
| Burlington-South Burlington, VT | 8 | $ 2,450,000 | $ 306,250 | $ 106,000 |
| Dallas-Plano-Irving, TX | 8 | $ 1,870,000 | $ 233,750 | $ 117,000 |
| Dayton-Springfield-Kettering, OH | 8 | $ 1,830,000 | $ 228,750 | $ 92,000 |
| Jackson, MS | 8 | $ 1,540,000 | $ 192,500 | $ 81,000 |
| Lakeland-Winter Haven, FL | 8 | $ 2,150,000 | $ 268,750 | $ 79,000 |
| Morristown, TN | 8 | $ 1,470,000 | $ 183,750 | $ 72,000 |
| Roanoke, VA | 8 | $ 1,720,000 | $ 215,000 | $ 74,000 |
| Dover, DE | 7 | $ 1,955,000 | $ 279,285 | $ 81,000 |
| Fort Smith, AR-OK | 7 | $ 1,445,000 | $ 206,428 | $ 91,000 |
| Jacksonville, NC | 7 | $ 1,615,000 | $ 230,714 | $ 71,000 |
| Utica-Rome, NY | 7 | $ 1,105,000 | $ 157,857 | $ 58,000 |
| Athens-Clarke County, GA | 6 | $ 1,580,000 | $ 263,333 | $ 86,000 |
| Binghamton, NY | 6 | $ 800,000 | $ 133,333 | $ 99,000 |
| Burlington, NC | 6 | $ 1,620,000 | $ 270,000 | $ 80,000 |
| Charlottesville, VA | 6 | $ 1,200,000 | $ 200,000 | $ 62,000 |
| Houma-Thibodaux, LA | 6 | $ 1,250,000 | $ 208,333 | $ 73,000 |
| Lafayette, LA | 6 | $ 830,000 | $ 138,333 | $ 64,000 |
| New Bern, NC | 6 | $ 1,020,000 | $ 170,000 | $ 79,000 |
| Norwich-New London, CT | 6 | $ 1,770,000 | $ 295,000 | $ 113,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 1,670,000 | $ 278,333 | $ 82,000 |
| Rocky Mount, NC | 6 | $ 1,040,000 | $ 173,333 | $ 75,000 |
| Sumter, SC | 6 | $ 1,010,000 | $ 168,333 | $ 75,000 |
| Tucson, AZ | 6 | $ 820,000 | $ 136,666 | $ 59,000 |
| Valdosta, GA | 6 | $ 1,050,000 | $ 175,000 | $ 81,000 |
| Cheyenne, WY | 5 | $ 1,025,000 | $ 205,000 | $ 59,000 |
| Cleveland, TN | 5 | $ 685,000 | $ 137,000 | $ 65,000 |
| Daphne-Fairhope-Foley, AL | 5 | $ 1,375,000 | $ 275,000 | $ 114,000 |
| Glens Falls, NY | 5 | $ 1,235,000 | $ 247,000 | $ 76,000 |
| Hattiesburg, MS | 5 | $ 1,115,000 | $ 223,000 | $ 77,000 |
| Homosassa Springs, FL | 5 | $ 965,000 | $ 193,000 | $ 53,000 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 1,555,000 | $ 311,000 | $ 161,000 |
| Jonesboro, AR | 5 | $ 895,000 | $ 179,000 | $ 112,000 |
| Montgomery, AL | 5 | $ 665,000 | $ 133,000 | $ 69,000 |
| Ocala, FL | 5 | $ 1,015,000 | $ 203,000 | $ 56,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 845,000 | $ 169,000 | $ 57,000 |
| Rome, GA | 5 | $ 1,125,000 | $ 225,000 | $ 109,000 |
| Shreveport-Bossier City, LA | 5 | $ 705,000 | $ 141,000 | $ 75,000 |
| Albany, GA | 4 | $ 580,000 | $ 145,000 | $ 46,000 |
| Auburn-Opelika, AL | 4 | $ 1,050,000 | $ 262,500 | $ 99,000 |
| California-Lexington Park, MD | 4 | $ 1,560,000 | $ 390,000 | $ 88,000 |
| Elizabethtown-Fort Knox, KY | 4 | $ 780,000 | $ 195,000 | $ 70,000 |
| Florence-Muscle Shoals, AL | 4 | $ 500,000 | $ 125,000 | $ 51,000 |
| Greenville, NC | 4 | $ 870,000 | $ 217,500 | $ 72,000 |
| Muskegon, MI | 4 | $ 800,000 | $ 200,000 | $ 63,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 790,000 | $ 197,500 | $ 124,000 |
| Staunton-Waynesboro, VA | 4 | $ 720,000 | $ 180,000 | $ 62,000 |
| Texarkana, TX-AR | 4 | $ 470,000 | $ 117,500 | $ 44,000 |
| Alexandria, LA | 3 | $ 455,000 | $ 151,666 | $ 51,000 |
| Austin-Round Rock, TX | 3 | $ 525,000 | $ 175,000 | $ 80,000 |
| Bangor, ME | 3 | $ 485,000 | $ 161,666 | $ 60,000 |
| Barnstable Town, MA | 3 | $ 935,000 | $ 311,666 | $ 72,000 |
| Bay City, MI | 3 | $ 365,000 | $ 121,666 | $ 53,000 |
| Casper, WY | 3 | $ 775,000 | $ 258,333 | $ 105,000 |
| Chambersburg-Waynesboro, PA | 3 | $ 465,000 | $ 155,000 | $ 20,000 |
| Dalton, GA | 3 | $ 495,000 | $ 165,000 | $ 68,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 975,000 | $ 325,000 | $ 81,000 |
| Elkhart-Goshen, IN | 3 | $ 405,000 | $ 135,000 | $ 94,000 |
| Fort Wayne, IN | 3 | $ 705,000 | $ 235,000 | $ 73,000 |
| Gainesville, FL | 3 | $ 645,000 | $ 215,000 | $ 115,000 |
| Goldsboro, NC | 3 | $ 435,000 | $ 145,000 | $ 56,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 425,000 | $ 141,666 | $ 77,000 |
| Hot Springs, AR | 3 | $ 615,000 | $ 205,000 | $ 81,000 |
| Johnstown, PA | 3 | $ 305,000 | $ 101,666 | $ 55,000 |
| Kansas City, MO-KS | 3 | $ 815,000 | $ 271,666 | $ 333,000 |
| Killeen-Temple, TX | 3 | $ 525,000 | $ 175,000 | $ 67,000 |
| Las Cruces, NM | 3 | $ 485,000 | $ 161,666 | $ 90,000 |
| Lewiston-Auburn, ME | 3 | $ 1,015,000 | $ 338,333 | $ 100,000 |
| Macon-Bibb County, GA | 3 | $ 585,000 | $ 195,000 | $ 70,000 |
| Monroe, LA | 3 | $ 365,000 | $ 121,666 | $ 76,000 |
| Panama City, FL | 3 | $ 645,000 | $ 215,000 | $ 73,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,105,000 | $ 368,333 | $ 97,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 1,295,000 | $ 431,666 | $ 139,000 |
| Sebring, FL | 3 | $ 535,000 | $ 178,333 | $ 54,000 |
| Stockton-Lodi, CA | 3 | $ 545,000 | $ 181,666 | $ 83,000 |
| Wheeling, WV-OH | 3 | $ 305,000 | $ 101,666 | $ 63,000 |
| Williamsport, PA | 3 | $ 565,000 | $ 188,333 | $ 97,000 |
| Winchester, VA-WV | 3 | $ 595,000 | $ 198,333 | $ 111,000 |
| Ann Arbor, MI | 2 | $ 220,000 | $ 110,000 | $ 174,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 300,000 | $ 150,000 | $ 54,000 |
| Battle Creek, MI | 2 | $ 250,000 | $ 125,000 | $ 92,000 |
| Billings, MT | 2 | $ 840,000 | $ 420,000 | $ 102,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 270,000 | $ 135,000 | $ 65,000 |
| Bowling Green, KY | 2 | $ 180,000 | $ 90,000 | $ 45,000 |
| Brunswick, GA | 2 | $ 170,000 | $ 85,000 | $ 47,000 |
| Chicago-Naperville, IL | 2 | $ 790,000 | $ 395,000 | $ 245,000 |
| Columbus, IN | 2 | $ 640,000 | $ 320,000 | $ 133,000 |
| Elmira, NY | 2 | $ 240,000 | $ 120,000 | $ 72,000 |
| Eugene, OR | 2 | $ 460,000 | $ 230,000 | $ 46,000 |
| Fort Collins, CO | 2 | $ 650,000 | $ 325,000 | $ 92,000 |
| Great Falls, MT | 2 | $ 500,000 | $ 250,000 | $ 83,000 |
| Greeley, CO | 2 | $ 880,000 | $ 440,000 | $ 251,000 |
| Hammond, LA | 2 | $ 330,000 | $ 165,000 | $ 90,000 |
| Harrisonburg, VA | 2 | $ 340,000 | $ 170,000 | $ 154,000 |
| Kalamazoo-Portage, MI | 2 | $ 360,000 | $ 180,000 | $ 79,000 |
| Kennewick-Richland, WA | 2 | $ 840,000 | $ 420,000 | $ 96,000 |
| Lafayette-West Lafayette, IN | 2 | $ 360,000 | $ 180,000 | $ 57,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 320,000 | $ 160,000 | $ 71,000 |
| Lansing-East Lansing, MI | 2 | $ 310,000 | $ 155,000 | $ 61,000 |
| Lima, OH | 2 | $ 260,000 | $ 130,000 | $ 54,000 |
| Pueblo, CO | 2 | $ 400,000 | $ 200,000 | $ 46,000 |
| Punta Gorda, FL | 2 | $ 430,000 | $ 215,000 | $ 69,000 |
| State College, PA | 2 | $ 380,000 | $ 190,000 | $ 73,000 |
| Tallahassee, FL | 2 | $ 230,000 | $ 115,000 | $ 64,000 |
| Terre Haute, IN | 2 | $ 240,000 | $ 120,000 | $ 45,000 |
| Topeka, KS | 2 | $ 410,000 | $ 205,000 | $ 98,000 |
| Waco, TX | 2 | $ 460,000 | $ 230,000 | $ 90,000 |
| Warner Robins, GA | 2 | $ 210,000 | $ 105,000 | $ 56,000 |
| Watertown-Fort Drum, NY | 2 | $ 290,000 | $ 145,000 | $ 89,000 |
| Albany, OR | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Bloomington, IN | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Bloomsburg-Berwick, PA | 1 | $ 275,000 | $ 275,000 | $ 95,000 |
| Bremerton-Silverdale, WA | 1 | $ 275,000 | $ 275,000 | $ 43,000 |
| Colorado Springs, CO | 1 | $ 345,000 | $ 345,000 | $ 104,000 |
| Corpus Christi, TX | 1 | $ 215,000 | $ 215,000 | $ 82,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 875,000 | $ 875,000 | $ 225,000 |
| Decatur, AL | 1 | $ 145,000 | $ 145,000 | $ 33,000 |
| Dothan, AL | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| Duluth, MN-WI | 1 | $ 175,000 | $ 175,000 | $ 54,000 |
| Evansville, IN-KY | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Farmington, NM | 1 | $ 175,000 | $ 175,000 | $ 116,000 |
| Flint, MI | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| Fort Worth-Arlington, TX | 1 | $ 465,000 | $ 465,000 | $ 114,000 |
| Gadsden, AL | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Gettysburg, PA | 1 | $ 335,000 | $ 335,000 | $ 85,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Ithaca, NY | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| Jackson, MI | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Lake Charles, LA | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Lebanon, PA | 1 | $ 185,000 | $ 185,000 | $ 53,000 |
| Lewiston, ID-WA | 1 | $ 185,000 | $ 185,000 | $ 34,000 |
| Longview, TX | 1 | $ 205,000 | $ 205,000 | $ 89,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 175,000 | $ 175,000 | $ 192,000 |
| Merced, CA | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Michigan City-La Porte, IN | 1 | $ 115,000 | $ 115,000 | $ 70,000 |
| Missoula, MT | 1 | $ 255,000 | $ 255,000 | $ 56,000 |
| Monroe, MI | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 725,000 | $ 725,000 | $ 99,000 |
| Muncie, IN | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Odessa, TX | 1 | $ 355,000 | $ 355,000 | $ 128,000 |
| Owensboro, KY | 1 | $ 185,000 | $ 185,000 | $ 90,000 |
| Pine Bluff, AR | 1 | $ 215,000 | $ 215,000 | $ 64,000 |
| Pittsfield, MA | 1 | $ 185,000 | $ 185,000 | $ 305,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 255,000 | $ 255,000 | $ 162,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 485,000 | $ 485,000 | $ 157,000 |
| Saginaw, MI | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Salinas, CA | 1 | $ 495,000 | $ 495,000 | $ 111,000 |
| San Antonio-New Braunfels, TX | 1 | $ 565,000 | $ 565,000 | $ 238,000 |
| San Diego-Carlsbad, CA | 1 | $ 655,000 | $ 655,000 | $ 259,000 |
| Santa Fe, NM | 1 | $ 305,000 | $ 305,000 | $ 66,000 |
| Sebastian-Vero Beach, FL | 1 | $ 375,000 | $ 375,000 | $ 129,000 |
| Springfield, IL | 1 | $ 95,000 | $ 95,000 | $ 81,000 |
| Springfield, OH | 1 | $ 155,000 | $ 155,000 | $ 67,000 |
| St. Louis, MO-IL | 1 | $ 675,000 | $ 675,000 | $ 179,000 |
| Tacoma-Lakewood, WA | 1 | $ 645,000 | $ 645,000 | $ 118,000 |
| The Villages, FL | 1 | $ 245,000 | $ 245,000 | $ 59,000 |
| Vineland-Bridgeton, NJ | 1 | $ 285,000 | $ 285,000 | $ 125,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Wichita, KS | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Yakima, WA | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for Reliance First Capital, LLC in 2023
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 | 3,846 | $878,120,000 | $228,000 | $1,355,000 | $86,000 | $1,095,000 |
| Home Purchase | 811 | $206,345,000 | $254,000 | $1,085,000 | $113,000 | $2,698,000 |
| Refinancing | 66 | $15,920,000 | $241,000 | $845,000 | $111,000 | $475,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2,880 | $661,900,000 | $229,000 | $1,225,000 | $92,000 | $2,352,000 |
| Black or African American | 769 | $174,315,000 | $226,000 | $805,000 | $83,000 | $1,754,000 |
| Not Provided | 766 | $181,000,000 | $236,000 | $1,085,000 | $92,000 | $684,000 |
| Hispanic | 204 | $54,450,000 | $266,000 | $1,355,000 | $86,000 | $548,000 |
| Asian | 55 | $17,265,000 | $313,000 | $1,195,000 | $166,000 | $2,698,000 |
| American Indian or Alaskan Native | 43 | $9,845,000 | $228,000 | $705,000 | $79,000 | $243,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,610,000 | $268,000 | $435,000 | $63,000 | $74,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 2,104 | $480,680,000 | $228,000 | $905,000 | $82,000 | $453,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,915 | $433,125,000 | $226,000 | $1,355,000 | $103,000 | $2,698,000 |
| VA-guaranteed (Veterans Administration) | 655 | $177,095,000 | $270,000 | $1,225,000 | $86,000 | $456,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $9,485,000 | $193,000 | $275,000 | $72,000 | $108,000 |
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 | 3,764 | $879,020,000 | $233,000 | $1,355,000 | $92,000 | $2,352,000 |
| Application Approved But Not Accepted | 758 | $176,920,000 | $233,000 | $1,225,000 | $92,000 | $2,698,000 |
| Application Denied By Financial Institution | 201 | $44,445,000 | $221,000 | $805,000 | $78,000 | $684,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4,522 | $1,055,940,000 | $233,000 | $1,355,000 | $92,000 | $2,698,000 |
| Collateral | 52 | $11,160,000 | $214,000 | $805,000 | $87,000 | $684,000 |
| Credit History | 51 | $9,975,000 | $195,000 | $405,000 | $77,000 | $178,000 |
| Debt-To-Income Ratio | 46 | $10,500,000 | $228,000 | $705,000 | $63,000 | $191,000 |
| Unverifiable Information | 18 | $3,990,000 | $221,000 | $465,000 | $68,000 | $153,000 |
| Other | 15 | $3,215,000 | $214,000 | $415,000 | $105,000 | $428,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $3,345,000 | $304,000 | $655,000 | $99,000 | $332,000 |
| Employment History | 8 | $2,260,000 | $282,000 | $525,000 | $67,000 | $240,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Reliance First Capital, LLC's 2023 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 Reliance First Capital, LLC'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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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