Reliant Home Funding in New Jersey vs the state
1.1%Denial rate-16.55 pts vs state
3.0%Decision denial rate-20.02 pts vs state
36.4%Origination rate-19.32 pts vs state
6.38%Median rate-0.38 pts vs state
-0.11Rate spread (pts)-0.39 pts vs state
$210kMedian applicant income
32Loans originated
1Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 13 | 0.0% | 6.62% | #497 |
| 2024 | 72 | 43 | 2.8% | 6.63% | #299 |
| 2025 | 88 | 32 | 1.1% | 6.38% | #280 |
What Reliant Home Funding lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Reliant Home Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 12 | 3 | 0 | 0.0% |
| Morris County | 10 | 3 | 0 | 0.0% |
| Union County | 9 | 4 | 0 | 0.0% |
| Bergen County | 8 | 4 | 0 | 0.0% |
| Essex County | 7 | 2 | 0 | 0.0% |
| Somerset County | 7 | 4 | 0 | 0.0% |
| Monmouth County | 7 | 3 | 0 | 0.0% |
| Hudson County | 6 | 2 | 0 | 0.0% |
| Passaic County | 6 | 2 | 0 | 0.0% |
| Ocean County | 4 | 1 | 0 | 0.0% |
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: 88 applications in 2025, of which 32 were originated and 1 denied.
1.1% of all applications, or 3.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Reliant Home Funding originated in New Jersey in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Reliant Home Funding'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