Reliance Savings Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
46th10.8% deniedProcesswithdrawn + incomplete share, weight 15%
57th10.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 392 | 323 | 9.7% | 10.3% | 6.49% | $45M |
| 2024 | 371 | 304 | 9.7% | 10.3% | — | $58M |
| 2025 | 350 | 278 | 9.7% | 10.8% | — | $47M |
What Reliance Savings Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 11 manufactured homes, 37 investment properties.
Who gets approved at Reliance Savings Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 46 | 31 | 25.6% |
| $50k – $100k | 109 | 82 | 12.6% |
| $100k – $150k | 74 | 61 | 7.5% |
| $150k – $250k | 66 | 53 | 5.4% |
| Over $250k | 27 | 25 | 7.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 52 | 40 | 13.0% |
| 35–44 | 79 | 65 | 9.7% |
| 45–54 | 71 | 59 | 7.8% |
| 55–64 | 67 | 51 | 11.7% |
| 65–74 | 30 | 24 | 11.1% |
Where Reliance Savings Bank lends
1 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 350 | 278 | 9.7% | — | #212 |
Frequently asked questions
Reliance Savings Bank denied 10.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 46th percentile of small mortgage lenders.
In 2025, 41% of its applications were for home purchases, 27% for refinancing (including cash-out), and 31% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.