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Reliant Home Funding, INC

Independent Mortgage CompanyMELVILLE, NYDirect to Consumer

Reliant Home Funding has 366 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
FHA · Conventional
Place
Sound
Multi-Region · 6 mkts

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Safe Rate's Summary

Things to Think About

  • Pricing may be below industry average
  • Higher than average fees ($4,249)

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Report Card

Reliant Home Funding, INC performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+36.3 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional7 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Acceptable
Sound
29981.7%
+0.310%Above
$4,042Fees
FHA Loans
Acceptable
Strong
Mediocre
Sound
5815.8%
+0.823%Above
$5,464Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Acceptable
Sound
33090.2%
+0.369%Above
$4,197Fees
Refinance
Acceptable
Acceptable
Mediocre
Sound
369.8%
+0.291%Above
$4,864Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
366
Applications
563
Volume
$175 million
Pricing & Closing
Avg Rate Spread
+0.363%
vs. market APOR
Avg Net Fees
$4,249
Origination − Credits
Pullthrough Rate
65.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$478,770
Avg Borrower Income
$173,189
Avg Property Value
$616,421

Geographic Coverage

Geographic Performance

Metro Areas
6
States Served
13
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

CTDEFLMAMDNCNJNYPASCTNVTWA

Top Metro Areas by Place Specialization Score

1
Nassau County, NYMSA
Volume: 162Mix: 44.26%of portfolio
Place
Strong
2
New York, NY-NJMSA
Volume: 52Mix: 14.21%of portfolio
Place
Strong
3
Hartford, CTMSA
Volume: 17Mix: 4.64%of portfolio
Place
Sound
4
Bridgeport, CTMSA
Volume: 13Mix: 3.55%of portfolio
Place
Sound
5
Newark, NJ, NJMSA
Volume: 12Mix: 3.28%of portfolio
Place
Sound
6
Waterbury, CTMSA
Volume: 10Mix: 2.73%of portfolio
Place
Sound

Top States by Place Specialization Score

1
NYState
Volume: 225Mix: 61.48%of portfolio
Place
Strong
2
CTState
Volume: 49Mix: 13.39%of portfolio
Place
Sound
3
NJState
Volume: 37Mix: 10.11%of portfolio
Place
Sound
4
PAState
Volume: 23Mix: 6.28%of portfolio
Place
Sound
5
FLState
Volume: 14Mix: 3.83%of portfolio
Place
Acceptable

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)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.