To ensure that all areas of the State are served, the Department shall allocate at least annually among the counties the money appropriated for making Program loans under the Regular Rehabilitation Program. When allocating money to a county, the Department shall consider: the number of families of limited income in the county; the need to rehabilitate buildings in the county; the capability of the county to administer a local rehabilitation program; and other standards that the Department considers relevant to ensure fair and equitable distribution of money among counties. The Department may: allocate on a countywide basis first and then make suballocations among participating municipal corporations and nonprofit sponsors within counties; allocate up to 25% of the total money available in the Special Loan Programs Fund to a reserve; and from time to time, reallocate the money held in the reserve.