Reliant Home Funding, Inc Mortgage Lending & HMDA Data, 2022
In 2022, Reliant Home Funding, Inc of Melville, NY reported 295 mortgage applications totaling $116.1 million. The average application was for $393,508, and applicants reported an average income of $124,637. 60% of its applications resulted in an originated loan and 4% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (74), Nassau County-Suffolk County, NY (59) and East Stroudsburg, PA (30) (applications in parentheses).
| Mortgage Company & Address | Reliant Home Funding, Inc 445 Broadhollow Rd Suite 334 Melville, NY 11747 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 295 |
| Total Mortgage Loan Application Amount | $116,085,000 |
| Average Mortgage Loan Application Amount | $393,508 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $124,637 |
| Highest Applicant Income | $330,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Reliant Home Funding, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Suffolk, New York | 34 | $ 14,880,000 | $ 437,647 | $ 137,000 |
| Monroe, Pennsylvania | 30 | $ 10,480,000 | $ 349,333 | $ 123,000 |
| Nassau, New York | 25 | $ 13,545,000 | $ 541,800 | $ 155,000 |
| Queens, New York | 22 | $ 11,810,000 | $ 536,818 | $ 137,000 |
| Kings, New York | 13 | $ 6,295,000 | $ 484,230 | $ 105,000 |
| Westchester, New York | 12 | $ 5,020,000 | $ 418,333 | $ 142,000 |
| New Haven, Connecticut | 11 | $ 3,195,000 | $ 290,454 | $ 84,000 |
| Hartford, Connecticut | 9 | $ 1,665,000 | $ 185,000 | $ 94,000 |
| Fairfield, Connecticut | 6 | $ 1,630,000 | $ 271,666 | $ 120,000 |
| Essex, New Jersey | 6 | $ 2,280,000 | $ 380,000 | $ 97,000 |
| Dutchess, New York | 6 | $ 2,200,000 | $ 366,666 | $ 147,000 |
| Gloucester, New Jersey | 5 | $ 1,685,000 | $ 337,000 | $ 126,000 |
| Bronx, New York | 5 | $ 2,975,000 | $ 595,000 | $ 123,000 |
| Richmond, New York | 5 | $ 2,225,000 | $ 445,000 | $ 102,000 |
| Prince George's, Maryland | 4 | $ 1,340,000 | $ 335,000 | $ 76,000 |
| Bergen, New Jersey | 4 | $ 1,810,000 | $ 452,500 | $ 121,000 |
| Hudson, New Jersey | 4 | $ 1,260,000 | $ 315,000 | $ 113,000 |
| Middlesex, New Jersey | 4 | $ 1,900,000 | $ 475,000 | $ 148,000 |
| Orange, New York | 4 | $ 1,220,000 | $ 305,000 | $ 134,000 |
| Putnam, New York | 4 | $ 1,280,000 | $ 320,000 | $ 102,000 |
| Litchfield, Connecticut | 3 | $ 955,000 | $ 318,333 | $ 85,000 |
| Mercer, New Jersey | 3 | $ 1,605,000 | $ 535,000 | $ 138,000 |
| Union, New Jersey | 3 | $ 1,175,000 | $ 391,666 | $ 125,000 |
| Rockland, New York | 3 | $ 875,000 | $ 291,666 | $ 86,000 |
| Saratoga, New York | 3 | $ 925,000 | $ 308,333 | $ 145,000 |
| Philadelphia, Pennsylvania | 3 | $ 905,000 | $ 301,666 | $ 69,000 |
| Miami-Dade, Florida | 2 | $ 1,040,000 | $ 520,000 | $ 155,000 |
| Howard, Maryland | 2 | $ 880,000 | $ 440,000 | $ 101,000 |
| Atlantic, New Jersey | 2 | $ 710,000 | $ 355,000 | $ 129,000 |
| Ocean, New Jersey | 2 | $ 890,000 | $ 445,000 | $ 119,000 |
| Sussex, New Jersey | 2 | $ 600,000 | $ 300,000 | $ 102,000 |
| Rensselaer, New York | 2 | $ 550,000 | $ 275,000 | $ 89,000 |
| Ulster, New York | 2 | $ 630,000 | $ 315,000 | $ 169,000 |
| Richland, South Carolina | 2 | $ 370,000 | $ 185,000 | $ 96,000 |
| New London, Connecticut | 1 | $ 305,000 | $ 305,000 | $ 136,000 |
| Windham, Connecticut | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Brevard, Florida | 1 | $ 345,000 | $ 345,000 | $ 86,000 |
| Hernando, Florida | 1 | $ 275,000 | $ 275,000 | $ 163,000 |
| Indian River, Florida | 1 | $ 495,000 | $ 495,000 | $ 168,000 |
| Lake, Florida | 1 | $ 285,000 | $ 285,000 | $ 52,000 |
| Manatee, Florida | 1 | $ 375,000 | $ 375,000 | $ 138,000 |
| Martin, Florida | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Osceola, Florida | 1 | $ 235,000 | $ 235,000 | $ 78,000 |
| Pasco, Florida | 1 | $ 505,000 | $ 505,000 | $ 138,000 |
| Pinellas, Florida | 1 | $ 255,000 | $ 255,000 | $ 92,000 |
| Polk, Florida | 1 | $ 295,000 | $ 295,000 | $ 95,000 |
| Santa Rosa, Florida | 1 | $ 195,000 | $ 195,000 | $ 32,000 |
| Sarasota, Florida | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| Suwannee, Florida | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Fulton, Georgia | 1 | $ 645,000 | $ 645,000 | $ 186,000 |
| Laurens, Georgia | 1 | $ 235,000 | $ 235,000 | $ 119,000 |
| Newton, Georgia | 1 | $ 285,000 | $ 285,000 | $ 103,000 |
| Frederick, Maryland | 1 | $ 355,000 | $ 355,000 | $ 191,000 |
| Montgomery, Maryland | 1 | $ 645,000 | $ 645,000 | $ 156,000 |
| St. Mary's, Maryland | 1 | $ 375,000 | $ 375,000 | $ 76,000 |
| Suffolk, Massachusetts | 1 | $ 405,000 | $ 405,000 | $ 73,000 |
| Camden, New Jersey | 1 | $ 345,000 | $ 345,000 | $ 78,000 |
| Monmouth, New Jersey | 1 | $ 275,000 | $ 275,000 | $ 144,000 |
| Morris, New Jersey | 1 | $ 485,000 | $ 485,000 | $ 165,000 |
| Passaic, New Jersey | 1 | $ 295,000 | $ 295,000 | $ 96,000 |
| Somerset, New Jersey | 1 | $ 385,000 | $ 385,000 | $ 111,000 |
| Columbia, New York | 1 | $ 425,000 | $ 425,000 | $ 235,000 |
| Essex, New York | 1 | $ 295,000 | $ 295,000 | $ 325,000 |
| Fulton, New York | 1 | $ 245,000 | $ 245,000 | $ 317,000 |
| New York, New York | 1 | $ 405,000 | $ 405,000 | $ 169,000 |
| Onondaga, New York | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| Sullivan, New York | 1 | $ 395,000 | $ 395,000 | $ 274,000 |
| Tioga, New York | 1 | $ 375,000 | $ 375,000 | $ 207,000 |
| Cumberland, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| Currituck, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 67,000 |
| Lincoln, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 81,000 |
| Perquimans, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 96,000 |
| Union, North Carolina | 1 | $ 395,000 | $ 395,000 | $ 188,000 |
| Wake, North Carolina | 1 | $ 385,000 | $ 385,000 | $ 126,000 |
| Allegheny, Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 185,000 |
| Lehigh, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 73,000 |
| Pike, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Schuylkill, Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 63,000 |
| York, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| Bennington, Vermont | 1 | $ 555,000 | $ 555,000 | $ 300,000 |
| Windham, Vermont | 1 | $ 125,000 | $ 125,000 | $ 91,000 |
| Stafford, Virginia | 1 | $ 235,000 | $ 235,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Reliant Home Funding, Inc in 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 196 | $78,210,000 | $399,000 | $1,005,000 | $123,000 | $323,000 |
| Cash-out Refinancing | 60 | $24,700,000 | $411,000 | $855,000 | $133,000 | $330,000 |
| Refinancing | 39 | $13,175,000 | $337,000 | $665,000 | $120,000 | $325,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 100 | $38,690,000 | $386,000 | $1,005,000 | $131,000 | $330,000 |
| White | 78 | $27,340,000 | $350,000 | $855,000 | $121,000 | $325,000 |
| Black or African American | 44 | $16,010,000 | $363,000 | $725,000 | $106,000 | $235,000 |
| Hispanic | 36 | $14,910,000 | $414,000 | $825,000 | $122,000 | $317,000 |
| Asian | 36 | $18,970,000 | $526,000 | $885,000 | $141,000 | $323,000 |
| American Indian or Alaskan Native | 1 | $165,000 | $165,000 | $165,000 | $85,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 295 | $116,085,000 | $393,000 | $1,005,000 | $124,000 | $330,000 |
| 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 | 177 | $66,805,000 | $377,000 | $805,000 | $122,000 | $330,000 |
| Application Withdrawn By Applicant | 86 | $35,700,000 | $415,000 | $1,005,000 | $135,000 | $317,000 |
| File Closed For Incompleteness | 19 | $8,275,000 | $435,000 | $885,000 | $130,000 | $323,000 |
| Application Denied By Financial Institution | 11 | $4,145,000 | $376,000 | $745,000 | $70,000 | $116,000 |
| Application Approved But Not Accepted | 2 | $1,160,000 | $580,000 | $645,000 | $111,000 | $126,000 |
| 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 | 284 | $111,940,000 | $394,000 | $1,005,000 | $126,000 | $330,000 |
| Debt-To-Income Ratio | 5 | $2,065,000 | $413,000 | $745,000 | $54,000 | $105,000 |
| Collateral | 2 | $380,000 | $190,000 | $255,000 | $88,000 | $91,000 |
| Credit Application Incomplete | 1 | $625,000 | $625,000 | $625,000 | $101,000 | $101,000 |
| Other | 1 | $425,000 | $425,000 | $425,000 | $116,000 | $116,000 |
| Unverifiable Information | 1 | $465,000 | $465,000 | $465,000 | $75,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $185,000 | $185,000 | $185,000 | $38,000 | $38,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Reliant Home Funding, Inc's 2022 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 Home Funding, 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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