Reliance First Capital in New Jersey vs the state
5.2%Denial rate-12.52 pts vs state
5.9%Decision denial rate-17.11 pts vs state
78.5%Origination rate+22.77 pts vs state
6.63%Median rate-0.13 pts vs state
0.58Rate spread (pts)+0.30 pts vs state
$99kMedian applicant income
91Loans originated
6Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 87 | 72 | 3.5% | 6.63% | #263 |
| 2024 | 119 | 96 | 5.0% | 6.88% | #237 |
| 2025 | 116 | 91 | 5.2% | 6.63% | #252 |
What Reliance First Capital lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Reliance First Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burlington County | 14 | 13 | 0 | 0.0% |
| Ocean County | 14 | 13 | 0 | 0.0% |
| Bergen County | 11 | 6 | 1 | 9.1% |
| Camden County | 8 | 7 | 0 | 0.0% |
| Atlantic County | 7 | 6 | 1 | 14.3% |
| Morris County | 7 | 5 | 1 | 14.3% |
| Middlesex County | 6 | 5 | 0 | 0.0% |
| Monmouth County | 6 | 3 | 1 | 16.7% |
| Passaic County | 6 | 5 | 0 | 0.0% |
| Gloucester County | 6 | 4 | 1 | 16.7% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 116 applications in 2025, of which 91 were originated and 6 denied.
5.2% of all applications, or 5.9% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Reliance First Capital originated in New Jersey in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Reliance First Capital's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology