Reliant Home Funding at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
64th6.6% deniedPricingmedian rate spread over APOR, weight 30%
54th0.23 ptsProcesswithdrawn + incomplete share, weight 15%
4th33.1%Closing coststotal loan costs ÷ loan amount, weight 10%
60th1.66% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 214 | 214 | 0.0% | 0.0% | 6.88% | $93M |
| 2024 | 591 | 381 | 3.6% | 5.1% | 6.75% | $181M |
| 2025 | 815 | 508 | 4.4% | 6.6% | 6.50% | $265M |
What Reliant Home Funding 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, 1 manufactured homes, 69 investment properties.
Why Reliant Home Funding denies applications
Primary reason reported for each of the 36 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Reliant Home Funding
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 103 | 64 | 9.9% |
| $100k – $150k | 224 | 146 | 6.4% |
| $150k – $250k | 306 | 193 | 5.9% |
| Over $250k | 155 | 89 | 3.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 243 | 150 | 6.8% |
| 35–44 | 291 | 182 | 4.7% |
| 45–54 | 159 | 97 | 4.9% |
| 55–64 | 66 | 50 | 10.7% |
| 65–74 | 38 | 17 | 22.7% |
Where Reliant Home Funding lends
23 states and 153 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 471 | 325 | 4.3% | 6.50% | #138 |
| New Jersey | 88 | 32 | 1.1% | 6.38% | #280 |
| Connecticut | 66 | 41 | 6.1% | 6.50% | #202 |
| Pennsylvania | 36 | 20 | 2.8% | 6.63% | #528 |
| Massachusetts | 34 | 19 | 0.0% | 6.25% | #367 |
| Florida | 31 | 19 | 9.7% | 6.88% | #684 |
| Maryland | 27 | 16 | 11.1% | 6.31% | #381 |
| Virginia | 16 | 6 | 6.3% | 5.88% | #517 |
| Texas | 10 | 7 | 0.0% | 6.50% | #955 |
| Illinois | 6 | 2 | 0.0% | 6.13% | #747 |
| North Carolina | 5 | 3 | 0.0% | 7.00% | #759 |
| South Carolina | 5 | 5 | 0.0% | 7.13% | #657 |
Frequently asked questions
Reliant Home Funding denied 6.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 64th percentile of small mortgage lenders.
The most common reason Reliant Home Funding gave in 2025 was "debt-to-income ratio", cited on 30.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Reliant Home Funding originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.23 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 82% of its applications were for home purchases, 18% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 82% conventional, 17% FHA, 1% 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.