Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Reliance First Capital, LLC: 2025 mortgage rates, costs & approvals

How Reliance First Capital, LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: RELIANCE FIRST CAPITAL, LLC · LEI 549300YW2UBCMDRMBT48

In 2025, Reliance First Capital, LLC originated 3,223 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 38 states — 191st by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 25 basis points above the national median. Median conventional loan costs were $5,230, 6% lower than the national median ($5,570).

It denied 4.9% of completed home-purchase applications (all lenders: 8.5%).

Loans
3,223
of 3,442 applications
Denial rate
4.9%
Purchase · all 8.5%
30-yr fixed rate
6.75%
Conv. · all 6.625%
Loan costs
$5,230
Conv. · all $5,570
Loan amount
$245,000
Purchase · all $335,000
Borrower income
$77,000
Purchase · all $116,000

How Reliance First Capital, LLC priced home-purchase loans

Purchase loans, 2025Reliance First Capital, LLCAll lenders
30-year fixed rate · conventional6.750%6.625%
30-year fixed rate · FHA6.625%6.250%
30-year fixed rate · VA6.500%6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional+0.38 pts+0.13 pts
Total loan costs · conventional$5,230$5,570
Total loan costs · FHA$6,720$11,310
Total loan costs · VA$4,990$6,490
Origination charges (all types)$1,600$1,860
Borrowers paying discount points45.0%51.3%
Points paid, when paid (% of loan)0.96%0.87%
Borrowers receiving lender credits11.4%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 46.8% 1,508
FHA 42.2% 1,361
VA 10.1% 324
USDA 0.9% 30

By purpose

Home purchase 18.5% 596
Refinance 2.6% 85
Cash-out refinance 78.9% 2,542
Home value
$265,000
Median, purchase loans
Down payment
5%
All lenders 10%
Refi rate
6.375%
30-yr fixed, conventional
Refi denial rate
1.1%
Cash-out 4.3%

Why Reliance First Capital, LLC denied purchase applications

Debt-to-income ratio 32.3% 10
Collateral (appraisal/property) 19.4% 6
Credit history 9.7% 3
Insufficient cash (down payment/closing costs) 9.7% 3
Unverifiable information 9.7% 3
Other 9.7% 3
Employment history 6.5% 2
Credit application incomplete 3.2% 1

First reason the lender reported for each denied home-purchase application.

Where Reliance First Capital, LLC lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
New York53957811.8%——
Ohio5225402.8%6.750%$5,040
North Carolina4274560.0%——
Pennsylvania3013215.7%6.750%$6,120
Tennessee219229———
Virginia153165———
Georgia152166———
Florida128140———
South Carolina116123———
Indiana8695———
New Jersey7685———
Connecticut6568———
Maryland6365———
Alabama57636.5%——
Massachusetts5761———
Arkansas4550———
New Hampshire3739———
Kentucky2431———
Wyoming1718———
Maine1616———
Louisiana1516———
Michigan1515———
Rhode Island1314———
Mississippi1112———
Delaware1012———
Minnesota1010———
Texas1010———
Washington66———
Vermont56———
Montana55———
California45———
Colorado44———
Kansas44———
New Mexico35———
Arizona33———
Illinois23———
Oregon22———
District of Columbia11———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Reliance First Capital, LLC's page for that state.

Counties where Reliance First Capital, LLC is a top lender

Check Reliance First Capital, LLC yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology