[cConduit Loans
Conduit lending is advantageous for the borrower because the loan is low cost due to the ability for the loan to be sold in the bond market. When lenders sell the Conduit loan creating additional profits for the lender, thereby allowing the lender to reduce cost and rates so the loan is more attractive to the borrower. Conduit loans for the borrowers can be a feasible solution to acquire a low fixed rate commercial financing because the interest rates are determined from the Treasury rates and a margin that is added by the lender.
Conduit loans provide increased leverage for the investors with 80% to 90% Loan To Value when combined with Mezzanine Financing. Some Conduit loans provide non-recourse options where no personal guarantee is required which can be an additional benefit for the borrower.
Apartment/Multifamily
Hotel
Industrial
Manufactured Housing Communities
Mobile Home Parks
Office Building
Retail (Anchored -Unanchored-Weak)
Self Storage
Shopping Center
Warehouse
Conduit programs for multifamily housing property loans
Generally, Commercial real estate first mortgages are categorized as securitized loans (CMBS loans) and or portfolio loans. Lenders that originate portfolio commercial mortgages will hold and service the loan til maturity unlike a CMBS transaction. CMBS loans are many mortgage loans with different sizes and property types and are pooled together to be sold or transferred to a investor or trust. The investor or trust issues bonds that normally have different yields and terms. Rating agencies will assign credit ratings to the bond classes ranging from AAA/Aaa through BBB-/Baa3 as well as below investment grade (BB+/Ba1 through B-/B3) along with an unrated class that is the lowest rated bond class. By reviewing the investment ratings, investors choose which bonds to purchase. The monthly interest is received from the pools of loans and is paid to investors in order of bond rating (highest rated to lowest rated) which is referred to as a waterfall structure. The principal payments received are also distributed in the order of highest rated bonds to the lowest and un-rated bonds. If borrowers of the mortgages default on their payments or foreclosed upon, then investors in the most lowest bond class loss along with further higher losses for higher bond classes.
Securitized commercial real estate loans may be referred to as Real Estate Mortgage Investment Conduit (REMIC). REMIC have favorable tax law which allow the investment trust to be a pass-through entity without being subject to any taxes for the trust. In order to take advantage of the tax benefits, REMIC regulation compliance is required.
CMBS have many attractive features such as the bonds backing the pools of commercial real estate loans are normally valued higher than the value of the matured loans they back. Additionally, liquidity of CMBS’ are attractive to investors in many markets. The borrower benefits from this aspect of the CMBS loans because lenders will provide better rates and terms because they have additional profits from the sale of bonds.
Servicing of the loans is something to take into consideration when acquiring a conduit loan. Reviewing the loan documents before closing is highly advisable since conduit financing and servicing request can have many rules which will be outlined in the loan documents.
After the loans are transferred to the trust entity which are then securitized, the Pooling and Servicing Agreement referred to as the PSA of the trust and is used to service the loan. Pooling and Serving Agreement is also used for the distribution of loan profits as well as losses. The difference between portfolio loans and Conduit loans is the the varying guidelines of portfolio loans compared to the standardized procedures of the PSA which is outlined according to the REMIC requirements.
Conduit loans have many participants that are involved in the origination, processing and capitalization of the loans such the servicing entities which include the Primary, Master and Special services. Other participants include the Trustee, the investor or buyer, the borrower of the original loan and the rating agencies.
This usually is the bank that originated the loans and works with the master service provider to carry out the required administration and servicing of the loan according to the PSA previously mentioned.
Master Service Providers are the servicing party that is responsible for ensuring the proper administration and required serving of the loans which in most cases is carried out by the primary service provider. The Master service provider provides these services for the trust.
Special service providers handle the assumption or transfer of a loan as well as loans that are in default by the borrowers. The Special Service is also providing these services for the trust.
The investor is the buyer of the bonds and is also able to make decisions on asset issues and appointing special service providers.
Trustees handle the financial documents related to the loans and allocate the income payments that are collected by the primary or master service provideers.
Rating agencies provide the ratings of the bonds according the the class grading system. Rating Agencies may also monitor the loan pool performance to provide rating for investors.
Alabama
Jefferson, AL
Montgomery, AL
Mobile, AL
Huntsville, AL
Tuscaloosa, AL
Birmingham, AL
Anniston, AL
Tuscaloosa, AL
Dothan, AL
Huntsville-Decatur, AL
Florence, AL
Mobile, AL
Montgomery, AL
Montgomery County, AL
Selma, AL
Tuscaloosa, AL
Jefferson County, ALAlaska
Anchorage, AK
Fairbanks, AK
Juneau, AK
Arizona
Phoenix, AZ
Scottsdale, AZ
Tempe, AZ
Paradise Valley, AZ
Sierra Vista, AZ
Tucson, AZ
Yuma, AZ
Arkansas
Fort Smith, AR
Fayetteville, AR
Springdale, AR
Rogers, AR
Jonesboro, AR
Little Rock, AR
Pine Bluff, AR
El Dorado, AR
California
Antelope Valley, CA
Lancaster, CA
Palmdale, CA
Bakersfield, CA
Chico-Redding, CA
Coachella Valley, CA
Palms Springs, CA
Thousand Palms, CA
Culver City, CA
Davis, CA
East Bay, CA
Alameda County, CA
Oakland, CA
East Bay, CA
Contra Costa County, CA
Concord, CA
Walnut Creek, CA
Eureka, CA
Fairfield, CA
Fresno, CA – Visalia, CA
Inland Empire, CA
Los Angeles, CA
Long Beach, CA
Marin, CA
San Rafael, CA
Merced, CA
Modesto, CA
Monterey, CA – Salinas, CA
Napa, CA
Oakland, CA
Orange County, CA
Santa Ana, CA
Palm Springs, CA
Riverside County, CA
Sacramento, CA
San Bernardino County, CA
San Diego, CA
San Francisco, CA
San Joaquin County, CA
Stockton, CA
San Mateo County, CA
Redwood City, CA
Santa Barbara, CA
Santa Maria, CA
San Luis Obispo, CA
Santa Clara Valley, CA
San Jose, CA
Silicon Valley, CA
Santa Cruz, CA
Santa Monica, CA
Sonoma County, CA
Santa Rosa, CA
Stockton, CA
Vallejo, CA
Ventura County, CA
Oxnard, CA
El Centro, CA
Colorado
Colorado Springs, CO
Pueblo, CO
Denver, CO
Eagle County, CO
Vail, CO
Fort Collins, CO
Grand Junction, CO
Montrose, CO
Roaring Fork Valley, CO
Aspen, CO
Summity County, CO
Winter Park, CO
Grand County, CO
Connecticut
Bridgeport, CT
Hartford, CT
New Haven, CT
Wallingford, CT
Norwalk, CT
Norwich, CT
Stamford, CT
Waterbury, CT
Central Naugatuck Valley, CT
New Britain, CT
Bristol, CT
Meriden, CT
Delaware
New Castle County, DE
Wilmington, DE
Kent County, DE
Dover, DE
Sussex County, DE
Florida
Daytona Beach, FL
Fort Lauderdale, FL
Fort Myers, FL
Naples, FL
Gainesville, FL
Jacksonville, FL
Lakeland, FL
Manatee County, FL
Brandenton, FL
Melbourne, FL
Miami, FL
Mobile, AL – Pensacola, FL
Fort Walton Beach, FL
Orlando, FL
Palm Beach, FL
Panama City, FL
Sarasota, FL
Tallahassee, FL
Tampa-Saint Petersburg, FL
Clearwater, FL
West Palm Beach, FL
Fort Pierce, FL
Georgia
Albany, GA
Athens, GA
Atlanta, GA
Augusta, GA
Columbus, GA
Macon, GA
Savannah, GA
Thomasville, GA
Hawaii
Honolulu, HI
Hilo, HI
Kahului, HI
Lihu’e, HI
Maui, HI
O’ahu, HI
Kaua’i, HI
Hawai’i, HI
Idaho
Boise, ID
Idaho Falls
Pocatello, ID
Twin Falls, ID
Illinois
Champaign, IL
Springfield, IL
Decatur, IL
Chicago, IL
Moline, IL
Macomb, IL
Madison, IL
Cape Girardeau,MO
Harrisburg, IL
Peoria, IL – Bloomington, IL
Quincy, IL
Rock Island County, IL
Rockford, IL
Springfield, IL
Indiana
Evansville, IN
Fort Wayne, IN
Indianapolis, IN
Lafayette, IN
South Bend, IN
Elkhart, IN
Terre Haute, IN
Iowa
Cedar Rapids, IA
Waterloo, IA
Iowa City, IA
Dubuque, IA
Davenport, IA
Rock Island, IA
Des Moines, IA
Ames, IA
Keokuk, IA
Sioux City, IA
Kansas
Joplin, MO
Pittsburg, KS
Hutchinson, KS
Topeka, KS
Wichita, KS
Kentucky
Bowling Green, KY
Lexington, KY
Louisville, KY
Northern Kentucky, KY
Fort Wright, KY
Covington, KY
Paducah, KY
Louisiana
Alexandria, LA
Baton Rouge, LA
Lafayette, LA
Lake Charles, LA
New Orleans, LA
Shreveport, LA
Maine
Bangor, ME
Lewiston, ME
Auburn, ME
Portland, ME
Presque Isle, ME
Maryland
Annapolis, MD
Baltimore, MD
Montgomery County, MD
Rockville, MD
Prince George’s County, MD
Salisbury, MD
Massachusetts
Amherst, MA
Northampton, MA
Attleboro Taunton, MA
Boston, MA
Boston’s Longwood Medical Area, MA
Kenmore Square, MA
Chestnut Hill, MA
Cambridge, MA
Brockton, MA
Merrimack Valley, MA
New Bedford, MA
Fall River, MA
Springfield, MA
Holyoke, MA
Worcester, MA
Michigan
Alpena, MI
Ann Arbor, MI
Battle Creek, MI
Detroit, MI
Flint, MI
Saginaw, MI
Bay City, MI
Grand Rapids, MI
Kalamazoo, MI
Lansing, MI
Marquette, MI
Traverse City, MI
Cadillac, MIMinnesota
Duluth, MN
Mankato, MN
Minneapolis, MN
Saint Paul, MN
Rochester, MN
Mason City, MN
IA-Austin, MN
Saint Cloud, MN
Duluth, MN
Mississippi
Biloxi, MS
Gulfport, MS
Columbus, MS
Tupelo, MS
West Point, MS
Greenwood, MS
Greenville, MS
Hattiesburg, MS
Laurel, MS
Jackson, MS
Meridian, MS
Missouri
Cape Girardeau, MO
Columbia, MO
Jefferson City, MO
Kansas City, MO
Ottumwa, MO
IA-Kirksville, MO
Springfield, MO
Saint Joseph, MO
Saint Louis, MO
Hannibal, MO
Montana
Billings, MT
Butte, MT
Bozeman, MT
Glendive, MT
Great Falls, MT
Helena, MT
Missoula, MT
Nebraska
Scottsbluff, NE
Lincoln, NE
Hastings, NE
Kearney, NE
North Platte, NE
Omaha, NE
Nevada
Las Vegas, NV
Reno, NV
Stateline, NV
Lake Tahoe, NV
New Hampshire
Concord, NH
Manchester, NH
Nashua, NH
Portsmouth, NH
New Jersey
Newark, NJ
New Mexico
Albuquerque, NM
Santa Fe, NM
New York
Albany, NY
Binghamton, NY
Buffalo, NY
Niagara Falls, NY
Elmira, NY
Ithaca, NY
Long Island, NY
Nassau County, NY
Suffolk County, NY
New York City, NY
Bronx, NY
Brooklyn, NY
Manhattan, NY
Plattsburgh, NY
Queens, NY
Staten Island, NY
Rochester, NY
Schenectady, NY
Troy, NY
Syracuse, NY
Rome, NY
Utica, NY
Watertown, NY
Westchester County, NY
White Plains, NY
Yonkers, NY
North Carolina
Chapel Hill, NC
Charlotte, NC
Greensboro, NC
High Point, NC
Greenville, NC
New Bern, NC
Washington, NC
Raleigh, NC
Durham, NC
Fayetteville, NC
Wilmington, NC
Winston Salem, NC
North Dakota
Fargo, ND
Moore Head, ND
Valley City, ND
Minot, ND
Bismarck-Dickinson, ND
Williston, ND
Ohio
Akron, OH
Cincinnati, OH
Cleveland, OH
Canton, OH
Columbus, OH
Dayton, OH
Lima, OH
Toledo, OH
Steubenville, OH
Youngstown, OH
Zanesville, OH
Oklahoma
Oklahoma City, OK
Ada, OK
Tulsa, OK
Lawton, OK
Oregon
Bend, OR
Eugene, OR
Medford, OR
Klamath Falls, OR
Portland, OR
Salem, OR
Pennsylvania
Allentown, PA
Erie, PA
Harrisburg, PA
Johnstown, PA
Altoona, PA
Lancaster, PA
Lebanon, PA
Monroe County, PA
Philadelphia, PA
Pittsburgh, PA
Reading, PA
State College, PA
Westmoreland County, PA
Greensburg, PA
Wilkes Barre, PA
Scranton, PA
Williamsport, PA
York, PA
Puerto Rico
San Juan, PR
Rhode Island
Providence, RI
South Carolina
Charleston, SC
Columbia, SC
Greenville, SC
Spartanburg, SC
Asheville, NC
Anderson, SC
Myrtle Beach, SC
Florence, SC
South Dakota
Rapid City, SD
Sioux Falls, SD
Mitchell, SD
Tennessee
Chattanooga, TN
Jackson, TN
Knoxville, TN
Memphis, TN
Nashville, TN
Tri-Cities, TN
Texas
Abilene, TX
Sweetwater, TX
Amarillo, TX
Austin, TX
Beaumont, TX
Port Arthur, TX
Brownsville, TX
McAllen, TX
College, TX
Station, TX
Bryan, TX
Corpus Christi, TX
Dallas, TX
El Paso, TX
Fort Worth, TX
Harlingen, TX
Weslaco, TX
Houston, TX
Laredo, TX
Lubbock, TX
Odessa, TX
Midland, TX
San Angelo, TX
San Antonio, TX
Tyler, TX
Long View, TX
Lufkin, TX
Nacogdoches, TX
Victoria, TX
Waco, TX
Temple, TX
Bryan, TX
Utah
Logan, UT
Park City, UT
Salt Lake City, UTVermont
Burlington, VT
Virginia
Blacksburg, VA
Charlottesville, VA
Hampton, VA
Norfolk, VA
Virginia Beach, VA
Harrisonburg, VA
Norfolk, VA
Portsmouth, VA
Newport News, VA
Richmond, VA
Petersburg, VA
Roanoke, VA
Lynchburg, VA
Williamsburg, VA
Burlington, VT
Washington
Bellingham, WA
Bremerton, WA
Everett, WA
Grays Harbor, WA
Olympia, WA
Seattle, WA
Snohomish County, WA
Everett)
Spokane, WA
Tacoma, WA
Vancouver, WA
Wenatchee, WA
Chelan, WA
Douglas Counties, WA
Yakima, WA
Pasco, WA
Richland, WA
Kennewick, WA
Washington, DC
Washington, DC
West Virginia
Bluefield, WV
Beckley, WV
Oak Hill, WV
Wheeling, WV
Charleston, WV
Clarksburg, WV
Weston, WV
Huntington, WV
Parkersburg, WV
Wisconsin
Superior, WI
Eau Claire, WI
Green Bay, WI
Appleton, WI
Janesville, WI
Kenosha, WI
La Crosse, WI
Eau Claire, WI
Madison, WI
Milwaukee, WI
Racine, WI
Sheboygan, WI
Waukesha, WI
Wausau, WI
Rhinelander, WI
Wyoming
Casper, WY
Cheyenne, WY
Riverton, WY
[/x_accordion_item][/x_accordion][/cs_column][/cs_row][/cs_section][/cs_conten
If you are looking for expansion of your business, or the cost of renting business premises has become too high, you should consider applying for commercial loans.
Ultimately, the choice of fixed or variable rates will depend on the free cash flow your business generates once you have paid all of your expenses, including any previous commercial loan payments.
If the real estate increases in value, your capital will be increased and commercial mortgage interest will be tax deductible. Borrowers can borrower the down payment for a commercial property from investors who base the financing on the company’s shareholding dividends or income. If your company is not regularly certified by one of the larger CPA companies, you can opt for a loan with a slightly higher interest rate and no income verification.
You are at a disadvantage if you are looking for financing small businesses for a retail, service or hospitality company, especially if you are looking for funding to start up a business. If you do not have a credit history or collateral due to divorce or are a new immigrant or because you are young, or because you have poor creditworthiness, Custom Mortgage hard money programs and sub prime Commercial property mortgages are available.
Despite the guarantees provided, most programs will also require a General Security Agreement (GSA) on ownership and all corporate assets. If you want a commercial real estate mortgage but have not been in business for long, niche programs we offer can be your best bet, because these programs are often available for shorter trading periods and have lower Debt Service requirements (1 DSCR).
Custom Mortgage will look more closely at your previous experience in investing in commercial real estate, when underwriting your commercial property financing application. Our hard money-based commercial property financing options are considered short-term loans that are used for the purchase and sometimes renovation of a commercial real estate used by the owner for refinancing to a long-term mortgage.
During our underwriting process for commercial property financing, Custom Mortgage requires you to submit regular financial reports in good time. After sending us all the documents and understanding what you want, we will search for the best program that you may qualify for with your credit on commercial real estate with favorable terms at competitive interest rates.
In most cases, even if you provide a brief summary, you must have a complete business plan in place as soon as we request it. If you are thinking of refinancing commercial credit, you can simply take care of lowering your interest rates.
Have you been looking for financing opportunities for your new business plans, are you looking for a loan to expand your existing business, are you in a precarious situation with unpaid invoices and are you not sure where or where to turn?
While qualifying for financing is usually easier for big, well-established businesses, some smaller businesses may be eligible for commercial financing from the Small Business Administration (SBA). The SBA may provide either financing or insure a lender who takes a risk on a business to supply fund. Businesses can seek the assistance of Custom Mortgage in structuring and sourcing of commercial fund. We provide the following types of loans.
State | City | County |
AL | Birmingham | Jefferson |
AL | Huntsville | Madison |
AL | Mobile | Mobile |
AL | Montgomery | Montgomery |
AL | Tuscaloosa | Tuscaloosa |
AK | Anchorage | Anchorage Borough |
AK | Fairbanks | Fairbanks North Star |
AZ | Chandler | Maricopa |
AZ | Gilbert | Maricopa |
AZ | Glendale | Maricopa |
AZ | Mesa | Maricopa |
AZ | Peoria | Maricopa |
AZ | Phoenix | Maricopa |
AZ | Scottsdale | Maricopa |
AZ | Surprise | Maricopa |
AZ | Tempe | Maricopa |
AZ | Tucson | Pima |
AZ | Yuma | Yuma |
AR | Fort Smith | Sebastian |
AR | Little Rock | Pulaski |
CA | Agoura Hills | Los Angeles |
CA | Anaheim | Orange County |
CA | Antioch | Contra Costa |
CA | Bakersfield | Kern |
CA | Berkeley | Alameda County |
CA | Beverly Hills | Los Angeles |
CA | Burbank | Los Angeles |
CA | Calabasas | Los Angeles |
CA | Carlsbad | San Diego |
CA | Carson | Los Angeles |
CA | Chico | Butte |
CA | Chula Vista | San Diego |
CA | Clovis | Fresno |
CA | Compton | Los Angeles |
CA | Concord | Contra Costa |
CA | Corona | Riverside |
CA | Coronado | San Diego |
CA | Costa Mesa | Orange County |
CA | Daly City | San Mateo |
CA | Downey | Los Angeles |
CA | El Cajon | San Diego |
CA | El Monte | Los Angeles |
CA | Elk Grove | Sacramento |
CA | Escondido | San Diego |
CA | Fairfield | Solano |
CA | Fontana | San Bernardino |
CA | Fremont | Alameda |
CA | Fresno | Fresno |
CA | Fullerton | Orange |
CA | Garden Grove | Orange |
CA | Glendale | Los Angeles |
CA | Hayward | Alameda |
CA | Huntington Beach | Orange |
CA | Inglewood | Los Angeles |
CA | Irvine | Orange |
CA | Laguna | Orange |
CA | Lancaster | Los Angeles |
CA | Long Beach | Los Angeles |
CA | Los Angeles | Los Angeles |
CA | Malibu | Los Angeles |
CA | Marina Del Rey | Los Angeles |
CA | Millbrae | San Mateo |
CA | Mission Viejo | Orange |
CA | Modesto | Stranislaus |
CA | Moreno Valley | Riverside |
CA | Murrieta | Riverside |
CA | Newport | Orange |
CA | Norwalk | Los Angeles |
CA | Oakland | Alameda |
CA | Oceanside | San Diego |
CA | Ontario | San Bernardino |
CA | Orange | Orange |
CA | Oxnard | Ventura |
CA | Palmdale | Los Angeles |
CA | Pasadena | Los Angeles |
CA | Pomona | Los Angeles |
CA | Rancho Cucamonga | San Bernardino |
CA | Rancho Palos Verdes | Los Angeles |
CA | Rialto | San Bernardino |
CA | Richmond | Contra Costa |
CA | Riverside | Riverside |
CA | Rolling Hills Estates | Los Angeles |
CA | Roseville | Placer |
CA | Sacramento | Sacramento |
CA | Salinas | Monterey |
CA | San Bernardino | San Bernardino |
CA | San Diego | San Diego |
CA | San Francisco | San Francisco |
CA | San Jose | Santa Clara |
CA | San Mateo | San Mateo |
CA | Santa Ana | Orange |
CA | Santa Barbara | Santa Barbara |
CA | Santa Clara | Santa Clara |
CA | Santa Clarita | Los Angeles |
CA | Santa Cruz | Santa Cruz |
CA | Santa Maria | Santa Barbara |
CA | San Marino | Los Angeles |
CA | Santa Monica | Los Angeles |
CA | Santa Rosa | Sonoma |
CA | Sausalito | Marin |
CA | Simi Valley | Ventura |
CA | Solana Beach | Solano |
CA | South Gate | Los Angeles |
CA | Stockton | San Joaquin |
CA | Sunnyvale | Santa Clara |
CA | Temecula | Riverside |
CA | Thousand Oaks | Ventura |
CA | Torrance | Los Angeles |
CA | Vacaville | Solano |
CA | Vallejo | Solano |
CA | Ventura | Ventura |
CA | Victorville | San Bernardino |
CA | Visalia | Tulare County |
CA | Vista | San Diego |
CA | West Covina | Los Angeles |
CA | Westlake Village | Los Angeles |
CA | Westminster | Orange |
CO | Arvada | Jefferson |
CO | Aurora | Douglas |
CO | Boulder | Boulder |
CO | Centennial | Arapahoe |
CO | Colorado Springs | El Paso |
CO | Denver | Arapahoe |
CO | Fort Collins | Larimer |
CO | Greeley | Weld |
CO | Lakewood | Jefferson |
CO | Longmont | Boulder |
CO | Pueblo | Pueblo |
CO | Thornton | Adams |
CO | Westminster | Adams |
CT | Bridgeport | Fairfield |
CT | Hartford | Hartford |
CT | New Haven | New Haven |
CT | Stamford | Fairfield |
CT | Waterbury | New Haven |
DE | Dewey Beach | Sussex |
DE | Dover | Kent |
DE | Newark | New Castle |
DE | Middleton | New Castle |
DE | North Star | New Castle |
DE | Rehoboth Beach | Sussex |
DE | Wilmington | New Castle |
FL | Boca Raton | Palm Beach |
FL | Cape Coral | Lee |
FL | Clearwater | Pinellas |
FL | Coral Springs | Broward |
FL | Davie | Broward |
FL | Fort Lauderdale | Broward |
FL | Gainesville | Alachua |
FL | Hialeah | Miami-Dade |
FL | Hollywood | Broward |
FL | Jacksonville | Duval |
FL | Lakeland | Polk |
FL | Miami Beach | Miami-Dade |
FL | Miami Gardens | Miami-Dade |
FL | Miami | Miami-Dade |
FL | Miramar | Broward |
FL | Ocala | Marion |
FL | Orlando | Orange |
FL | Palm Bay | Brevard |
FL | Palm Beach | Palm Beach |
FL | Pembroke Pines | Broward |
FL | Pincrest | Miami-Dade |
FL | Plantation | Broward |
FL | Pompano Beach | Broward |
FL | Port Saint Lucie | Saint Lucie |
FL | Saint Petersburg | Pinellas |
FL | Sunrise | Broward |
FL | Tallahassee | Leon |
FL | Tampa | Hillsborough |
FL | West Palm Beach | Palm Beach |
GA | Athens-Clarke | Clarke |
GA | Atlanta | Fulton |
GA | Augusta | Augusta-Richmond |
GA | Columbus | Muscogee |
GA | Roswell | Fulton |
GA | Sandy Springs | Fulton |
GA | Savannah | Chatham |
HI | Honolulu | Honolulu |
ID | Boise | Ada |
IL | Aurora | Kane |
IL | Chicago | Cook |
IL | Elgin | Kane |
IL | Joliet | Kendall |
IL | Naperville | DuPage |
IL | Peoria | Peoria |
IL | Rockford | Winnebago |
IL | Springfield | Sangamon |
IL | Waukegan | Lake |
IN | Fort Wayne | Allen |
IN | Indianapolis | Marion |
IA | Cedar Rapids | Linn |
IA | Davenport | Polk |
IA | Des Moines | Polk |
KS | Overland Park | Johnson |
KS | Wichita | Sedgwick |
KY | Lexington | Fayette |
KY | Louisville | Jefferson |
LA | Baton Rouge | Marshall |
LA | New Orleans | Orleans Parish |
LA | Shreveport | Caddo Parish |
ME | Portland | Cumberland |
MD | Baltimore | Baltimore |
MA | Boston | Suffolk |
MA | Brockton | Plymouth |
MA | Cambridge | Middlesex |
MA | Fall River | Bristol |
MA | Lowell | Middlesex |
MA | Lynn | Essex |
MA | New Bedford | Bristol |
MA | Quincy | Norfolk |
MA | Springfield | Hampton |
MA | Worcester | Worcester |
MI | Ann Arbor | Washtenaw |
MI | Dearborn | Wayne |
MI | Detroit | Wayne |
MI | Flint | Genesee |
MI | Grand Rapids | Kent |
MI | Lansing | Ingham |
MI | Livonia | Wayne |
MI | Sterling Heights | Macomb |
MI | Warren | Macomb |
MN | Minneapolis | Hennepin |
MN | Saint Paul | Ramsey |
MS | Jackson | Hinds |
MO | Kansas City | Wyandotte |
MO | Springfield | Greene |
MO | Saint Louis | Saint Louis |
MT | Bozeman | Gallatin |
NE | Lincoln | Lancaster |
NE | Omaha | Douglas |
NV | Henderson | Clark |
NV | Las Vegas | Clark |
NV | North Las Vegas | Clark |
NV | Reno | Washoe |
NH | Manchester | Hillsborough |
NJ | Elizabeth | Union |
NJ | Jersey City | Hudson |
NJ | Newark | Essex |
NJ | Paterson | Passaic |
NM | Albuquerque | Bernalillo |
NY | Albany | Albany |
NY | Buffalo | Erie |
NY | New York | New York |
NY | Rochester | Monroe |
NY | Yonkers | Westchester |
NC | Cary | Chatham |
NC | Charlotte | Mecklenburg |
NC | Durham | Durham |
NC | Fayetteville | Cumberland |
NC | Greensboro | Guilford |
NC | High Point | Guilford |
NC | Raleigh | Wake |
NC | Wilmington | New Hanover |
NC | Winston-Salem | Forsyth |
ND | Williston | Williams |
OH | Akron | Summit |
OH | Cincinnati | Hamilton |
OH | Cleveland | Cuyahoga |
OH | Columbus | Franklin |
OH | Dayton | Montgomery |
OH | Toledo | Lucas |
OK | Broken Arrow | Tulsa |
OK | Norman | Cleveland |
OK | Oklahoma City | Oklamhoma |
OK | Tulsa | Tulsa |
OR | Beaverton | Washington |
OR | Eugene | Lane |
OR | Gresham | Multnomah |
OR | Hillsboro | Washington |
OR | Portland | Multnomah |
OR | Salem | Marion |
PA | Allentown | Lehigh |
PA | Erie | Erie |
PA | Philadelphia | Centre |
PA | Pittsburgh | Allenheny |
RI | Providence | Providence |
SC | Charleston | Charleston |
SC | North Charleston | Berkleley |
SD | Sioux Falls | Minnehaha |
TN | Knoxville | Knox |
TN | Memphis | Shelby |
TN | Murfreesboro | Rutherford |
TN | Nashville | Davidson |
TX | Allen | Collin |
TX | Amarillo | Potter |
TX | Arlington | Tarrant |
TX | Austin | Travis |
TX | Carrollton | Dallas |
TX | Corpus Christi | Nueces |
TX | Dallas | Dallas |
TX | Denton | Denton |
TX | El Paso | El Paso |
TX | Fort Worth | Tarrant |
TX | Frisco | Collin |
TX | Garland | Dallas |
TX | Grand Prairie | Dallas |
TX | Houston | Harris |
TX | Irving | Dallas |
TX | Laredo | Webb |
TX | McKinney | Collin |
TX | Mesquite | Dallas |
TX | Plano | Collin |
TX | Richardson | Dallas |
TX | San Antonio | Bexar |
UT | Salt Lake City | Salt Lake |
VT | Burlington | Alamance |
VA | Alexandria | Fairfax |
VA | Chesapeake | Chesapeake |
VA | Hampton | Elizabeth City |
VA | Newport News | Warwick |
VA | Norfolk | Norfolk |
VA | Portsmouth | Portsmouth |
VA | Richmond | Chesterfield |
VA | Roanoke | Roanoke |
VA | Virginia Beach | Virgina Beach |
WA | Bellevue | King |
WA | Everett | Snohomish |
WA | Federal Way | King |
WA | Kent | King |
WA | Renton | King |
WA | Seattle | King |
WA | Spokane Valley | Spokane |
WA | Spokane | Spokane |
WA | Tacoma | Pierce |
WA | Vancouver | Clark |
WA | Washington, D.C. | Washington |
WA | Yakima | Ferguson |
WV | Charleston | Kanawha |
WI | Green Bay | Brown |
WI | Kenosha | Kenosha |
WI | Madison | Dane |
WI | Milwaukee | Milwaukee |
WY | Gillette | Campbell |
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