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Reliant Home Funding

Independent Mortgage Company•Melville, NYHQ•Direct•Reviews near you on Google

Reliant Home Funding has 366 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Sound
3/5
Multi-Region · 6 mkts

Safe Rate Summary

Things to Think About

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

Explore another lender or local market

Report Card

Reliant Home Funding performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+36.3 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume299
Mix81.7%
Spread
+0.310%Above
Fees
$4,042Fees
FHA Loans
Overall
Acceptable
Product
Strong
Pricing
Mediocre
Pull Through
Sound
Volume58
Mix15.8%
Spread
+0.823%Above
Fees
$5,464Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume330
Mix90.2%
Spread
+0.369%Above
Fees
$4,197Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Sound
Volume36
Mix9.8%
Spread
+0.291%Above
Fees
$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
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

13
13 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast6
CTMANJNYPAVT
South6
DEFLMDNCSCTN
West1
WA

Top Metro Areas by Place Specialization Score

1© Dicklyon · CC BY-SA 4.0
Nassau County, NYMetro
Volume 162Mix 44.26% of portfolio
78/100
Strong
2© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 52Mix 14.21% of portfolio
61/100
Strong
3© Quintin Soloviev · CC BY 4.0
Hartford, CTMetro
Volume 17Mix 4.64% of portfolio
49/100
Sound
4© Quintin Soloviev · CC BY 4.0
Bridgeport, CTMetro
Volume 13Mix 3.55% of portfolio
47/100
Sound
5© Gamezilla2019 · CC BY 4.0
Newark, NJMetro
Volume 12Mix 3.28% of portfolio
45/100
Sound
6© Daniel Case · CC BY-SA 3.0
Waterbury, CTMetro
Volume 10Mix 2.73% of portfolio
43/100
Sound

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 225Mix 61.48% of portfolio
74/100
Strong
Connecticut
Connecticut
2
ConnecticutState
Volume 49Mix 13.39% of portfolio
60/100
Sound
New Jersey
New Jersey
3
New JerseyState
Volume 37Mix 10.11% of portfolio
55/100
Sound
Pennsylvania
Pennsylvania
4
PennsylvaniaState
Volume 23Mix 6.28% of portfolio
48/100
Sound
Florida
Florida
5
FloridaState
Volume 14Mix 3.83% of portfolio
38/100
Acceptable

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.