What loan types does Reliance First Capital offer?

Reliance First Capital offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does Reliance First Capital offer mortgages?

Reliance First Capital 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?

Reliance First Capital is a Independent Mortgage Company headquartered in WILMINGTON, DE.

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Reliance First Capital

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Reliance First Capital — 3.5k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · USDA

Place

Sound

3/5

Near-National · 49 mkts

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and USDA loans
Nationwide availability with consistent service

Explore another lender or local market

Report Card

Reliance First Capital performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Exceptional

Top 5% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 50 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	—	Strong	1,534	43.7%	—	—
FHA Loans	Exceptional	Exceptional	—	Exceptional	1,520	43.3%	—	—
VA Loans	Exceptional	Strong	—	Exceptional	416	11.8%	—	—
USDA Loans	Strong	Exceptional	—	Strong	37	1.1%	—	—

Conventional

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume1,534

Mix43.7%

Spread—

Fees—

FHA Loans

Overall

Exceptional

Product

Exceptional

Pricing—

Pull Through

Exceptional

Volume1,520

Mix43.3%

Spread—

Fees—

VA Loans

Overall

Exceptional

Product

Strong

Pricing—

Pull Through

Exceptional

Volume416

Mix11.8%

Spread—

Fees—

USDA Loans

Overall

Strong

Product

Exceptional

Pricing—

Pull Through

Strong

Volume37

Mix1.1%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	—	Strong	667	19.0%	—	—
Refinance	Exceptional	Exceptional	—	Exceptional	2,844	81.0%	—	—

Purchase

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume667

Mix19.0%

Spread—

Fees—

Refinance

Overall

Exceptional

Product

Exceptional

Pricing—

Pull Through

Exceptional

Volume2,844

Mix81.0%

Spread—

Fees—

At a Glance

Lender Overview

Lending Activity

Loans Originated

3,511

Applications

4,363

Volume

$867 million

Pricing & Closing

Pullthrough Rate

80.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$246,951

Avg Borrower Income

$98,813

Avg Property Value

$375,006

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast9

CTMEMANHNJNYPARIVT

Midwest6

ILINKSMIMNOH

South14

ALARDEFLGAKYLAMDMSNCSCTNTXVA

West8

AZCACOMTNMORWAWY

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0

Cleveland, OHMetro

Volume 326Mix 9.29% of portfolio

81/100

Exceptional

2© chucka_nc · CC BY-SA 2.0

Charlotte, NC-SCMetro

Volume 146Mix 4.16% of portfolio

70/100

Strong

3© Dicklyon · CC BY-SA 4.0

Nassau County, NYMetro

Volume 134Mix 3.82% of portfolio

69/100

Strong

4© Dan Gaken · CC BY 2.0

Pittsburgh, PAMetro

Volume 105Mix 2.99% of portfolio

68/100

Strong

5© Warren LeMay from Cincinnati, OH, United States · CC0

Atlanta, GAMetro

Volume 112Mix 3.19% of portfolio

63/100

Strong

6© Quintin Soloviev · CC BY 4.0

Nashville, TNMetro

Volume 84Mix 2.39% of portfolio

63/100

Strong

New York, NY-NJMetro

Volume 98Mix 2.79% of portfolio

62/100

Strong

Akron, OHMetro

Volume 46Mix 1.31% of portfolio

61/100

Strong

Buffalo, NYMetro

Volume 61Mix 1.74% of portfolio

60/100

Strong

Kiryas Joel, NYMetro

Volume 41Mix 1.17% of portfolio

60/100

Sound

Showing 10 of 49 metro areas

Top States by Place Specialization Score

New YorkState

Volume 505Mix 14.38% of portfolio

77/100

Strong

OhioState

Volume 547Mix 15.58% of portfolio

76/100

Strong

TennesseeState

Volume 292Mix 8.32% of portfolio

73/100

Strong

North CarolinaState

Volume 457Mix 13.02% of portfolio

72/100

Strong

PennsylvaniaState

Volume 277Mix 7.89% of portfolio

71/100

Strong

VirginiaState

Volume 186Mix 5.30% of portfolio

68/100

Strong

South CarolinaState

Volume 154Mix 4.39% of portfolio

67/100

Strong

GeorgiaState

Volume 207Mix 5.90% of portfolio

66/100

Strong

AlabamaState

Volume 96Mix 2.73% of portfolio

63/100

Strong

New JerseyState

Volume 81Mix 2.31% of portfolio

59/100

Sound

Showing 10 of 27 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.