# RELIANT HOME FUNDING, INC

> **Canonical URL:** https://saferate.com/lenders/reliant-home-funding


> **📋 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


RELIANT HOME FUNDING, INC is a independent mortgage company, headquartered in MELVILLE, NY, serving borrowers across 13 states, with 366 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 78% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 2549001NJY765EZWDI06
- **Headquarters:** MELVILLE, NY
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** CT, DE, FL, MA, MD, NC, NJ, NY, PA, SC, TN, VT, WA
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 22/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.363%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,249
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 366
- **Dollar Volume:** $175 million
- **Applications Received:** 563
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $478,770
- **Average Borrower Income:** $173,189
- **Average Property Value:** $616,421

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 299 | +0.310% | $4,042 | Sound ☺️ |
| FHA | 61/100 | 58 | +0.823% | $5,464 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 269 loans, Score: 52/100 (Sound)
- Refinance: 30 loans, Score: 37/100 (Acceptable)

**FHA:**
- Purchase: 55 loans, Score: 60/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 330 | $161M | +0.369% | Sound ☺️ |
| Refinance | 39/100 | 36 | $14M | +0.291% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 225 | 0.20% | 74/100 |
| CT | 49 | 0.14% | 60/100 |
| NJ | 37 | 0.04% | 55/100 |
| PA | 23 | 0.02% | 48/100 |
| FL | 14 | 0.00% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nassau County | NY | 162 | 78/100 |
| New York | NY-NJ | 52 | 61/100 |
| Non |  | 29 | 35/100 |
| Hartford | CT | 17 | 49/100 |
| Bridgeport | CT | 13 | 47/100 |
| Newark, NJ | NJ | 12 | 45/100 |
| Waterbury | CT | 10 | 43/100 |

## Frequently Asked Questions

### What loan types does RELIANT HOME FUNDING, INC offer?

RELIANT HOME FUNDING, INC offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does RELIANT HOME FUNDING, INC offer mortgages?

RELIANT HOME FUNDING, INC offers mortgages in 13 states: CT, DE, FL, MA, MD, NC, NJ, NY, PA, SC, TN, VT, WA.

### How competitive are RELIANT HOME FUNDING, INC's mortgage rates?

RELIANT HOME FUNDING, INC has a pricing score of 22/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.363% above market average.

### What type of lender is RELIANT HOME FUNDING, INC?

RELIANT HOME FUNDING, INC is a non-depository lender that specializes in mortgage origination, headquartered in MELVILLE, NY.

### What is RELIANT HOME FUNDING, INC's loan approval success rate?

RELIANT HOME FUNDING, INC has a pull-through score of 53/100 (Sound). 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/reliant-home-funding

### How to Cite

> "RELIANT HOME FUNDING, INC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/reliant-home-funding

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