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 score and performance metrics.

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 Independent Mortgage Company headquartered in WILMINGTON, DE.

Unclaimed

Reliance First Capital, LLC

Independent Mortgage Company•WILMINGTON, DE•Direct to Consumer

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

Pull Through

Exceptional

closing strength

Products

Exceptional

FHA · Conventional · VA · USDA

Place

Sound

Near-National · 49 mkts

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Safe Rate's 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

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Report Card

Reliance First Capital, LLC performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	N/A	No peer data
Pull Through Closing strength	Exceptional	Market Leader Top 5% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Exceptional	Market Leader Top 20% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
USDA	Exceptional	Market Leader Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Exceptional	Market Leader Top 20% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National50 markets

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	Strong	Strong	—	Exceptional	416	11.8%	—	—
USDA Loans	Strong	Exceptional	—	Strong	37	1.1%	—	—

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%	—	—

At a Glance

Lender Overview

Lending Activity

Loans Originated

3,511

Applications

4,363

Volume

$867 million

Typical Borrower

Avg Loan Amount

$246,951

Avg Borrower Income

$98,813

Avg Property Value

$375,006

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARAZCACOCTDEFLGAILINKSKYLAMAMDMEMIMNMSMTNCNHNJNMNYOHORPARISCTNTXVAVTWAWY

Top Metro Areas by Place Specialization Score

Cleveland, OH, OHMSA

Volume: 326Mix: 9.29%of portfolio

Place

Exceptional

Charlotte, NC-SCMSA

Volume: 146Mix: 4.16%of portfolio

Place

Strong

Nassau County, NYMSA

Volume: 134Mix: 3.82%of portfolio

Place

Strong

Pittsburgh, PA, PAMSA

Volume: 105Mix: 2.99%of portfolio

Place

Strong

Atlanta, GAMSA

Volume: 112Mix: 3.19%of portfolio

Place

Strong

Nashville, TNMSA

Volume: 84Mix: 2.39%of portfolio

Place

Strong

New York, NY-NJMSA

Volume: 98Mix: 2.79%of portfolio

Place

Strong

Akron, OH, OHMSA

Volume: 46Mix: 1.31%of portfolio

Place

Strong

Buffalo, NYMSA

Volume: 61Mix: 1.74%of portfolio

Place

Strong

Kiryas Joel, NYMSA

Volume: 41Mix: 1.17%of portfolio

Place

Sound

Showing 10 of 49 metro areas

Top States by Place Specialization Score

NYState

Volume: 505Mix: 14.38%of portfolio

Place

Strong

OHState

Volume: 547Mix: 15.58%of portfolio

Place

Strong

TNState

Volume: 292Mix: 8.32%of portfolio

Place

Strong

NCState

Volume: 457Mix: 13.02%of portfolio

Place

Strong

PAState

Volume: 277Mix: 7.89%of portfolio

Place

Strong

VAState

Volume: 186Mix: 5.30%of portfolio

Place

Strong

SCState

Volume: 154Mix: 4.39%of portfolio

Place

Strong

GAState

Volume: 207Mix: 5.90%of portfolio

Place

Strong

ALState

Volume: 96Mix: 2.73%of portfolio

Place

Strong

NJState

Volume: 81Mix: 2.31%of portfolio

Place

Sound

Showing 10 of 27 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.