# RELIANCE FIRST CAPITAL, LLC

> **Canonical URL:** https://saferate.com/lenders/reliance-first-capital


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


RELIANCE FIRST CAPITAL, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 37 states, with 3,511 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 4% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300YW2UBCMDRMBT48
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Near-National
- **States Served:** 37
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MS, MT, NC, NH, NJ, NM, NY, OH, OR, PA, RI, SC, TN, TX, VA, VT, WA, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Exceptional 🤩
- Score: 96/100
- Rating: ●●●●● (5/5)


### Lending Volume
- **Total Loans:** 3,511
- **Dollar Volume:** $867 million
- **Applications Received:** 4,363
- **Market Share:** 10.00%

## Typical Borrower Profile

- **Average Loan Amount:** $246,951
- **Average Borrower Income:** $98,813
- **Average Property Value:** $375,006

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 1,534 | - | - | Strong 😀 |
| FHA | 82/100 | 1,520 | - | - | Exceptional 🤩 |
| VA | 79/100 | 416 | - | - | Strong 😀 |
| USDA | 81/100 | 37 | - | - | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 444 loans, Score: 61/100 (Strong)
- Refinance: 1,090 loans, Score: 75/100 (Strong)

**FHA:**
- Purchase: 157 loans, Score: 70/100 (Strong)
- Refinance: 1,363 loans, Score: 89/100 (Exceptional)

**VA:**
- Purchase: 29 loans, Score: 43/100 (Sound)
- Refinance: 387 loans, Score: 87/100 (Exceptional)

**USDA:**
- Purchase: 37 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 667 | $170M | - | Strong 😀 |
| Refinance | 83/100 | 2,844 | $697M | - | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 547 | 0.41% | 76/100 |
| NY | 505 | 0.45% | 77/100 |
| NC | 457 | 0.31% | 72/100 |
| TN | 292 | 0.32% | 73/100 |
| PA | 277 | 0.23% | 71/100 |
| GA | 207 | 0.15% | 66/100 |
| VA | 186 | 0.17% | 68/100 |
| SC | 154 | 0.19% | 67/100 |
| FL | 118 | 0.04% | 55/100 |
| AL | 96 | 0.16% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 461 | 69/100 |
| Cleveland, OH | OH | 326 | 81/100 |
| Charlotte | NC-SC | 146 | 70/100 |
| Nassau County | NY | 134 | 69/100 |
| Atlanta | GA | 112 | 63/100 |
| Pittsburgh, PA | PA | 105 | 68/100 |
| New York | NY-NJ | 98 | 62/100 |
| Nashville | TN | 84 | 63/100 |
| Buffalo | NY | 61 | 60/100 |
| Cincinnati, OH |  | 52 | 58/100 |
| Columbus, OH | OH | 52 | 58/100 |
| Knoxville, TN | TN | 52 | 58/100 |
| Richmond, VA | VA | 51 | 59/100 |
| Raleigh | NC | 47 | 57/100 |
| Akron, OH | OH | 46 | 61/100 |

## Where This Lender Ranks

RELIANCE FIRST CAPITAL, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Tuscaloosa, AL for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#4** in Tuscaloosa, AL for USDA Loans
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/usda-loans)
- 🏆 **#9** in Tuscaloosa, AL Mortgage Companies
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/mortgage-companies)
- 🏆 **#10** in Jackson, TN for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Kiryas Joel for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#11** in Tuscaloosa, AL for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Asheville, NC for FHA Loans
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Asheville, NC for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#12** in Syracuse, NY for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#13** in Pittsburgh, PA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#13** in Rochester, NY for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#13** in Kiryas Joel for VA Loans
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/va-loans)
- 🏆 **#13** in Vermont for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#14** in Syracuse, NY for VA Loans
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/va-loans)
- 🏆 **#15** in Rochester, NY for VA Loans
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/va-loans)
- 🏆 **#15** in Erie, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#16** in Vermont for VA Loans
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/va-loans)
- 🏆 **#17** in Pittsburgh, PA for USDA Loans
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/usda-loans)
- 🏆 **#17** in Albany for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Nassau County for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does RELIANCE FIRST CAPITAL, LLC offer?

RELIANCE FIRST CAPITAL, LLC offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does RELIANCE FIRST CAPITAL, LLC offer mortgages?

RELIANCE FIRST CAPITAL, LLC offers mortgages in 37 states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MS, MT, NC, NH, NJ, NM, NY, OH, OR, PA, RI, SC, TN, TX, VA, VT, WA, WY.

### What type of lender is RELIANCE FIRST CAPITAL, LLC?

RELIANCE FIRST CAPITAL, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is RELIANCE FIRST CAPITAL, LLC's loan approval success rate?

RELIANCE FIRST CAPITAL, LLC has a pull-through score of 96/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/reliance-first-capital

### How to Cite

> "RELIANCE FIRST CAPITAL, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/reliance-first-capital

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