Reliance First Capital, LLC: 2025 mortgage rates, costs & approvals
How Reliance First Capital, LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: RELIANCE FIRST CAPITAL, LLC · LEI 549300YW2UBCMDRMBT48
In 2025, Reliance First Capital, LLC originated 3,223 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 38 states — 191st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 25 basis points above the national median. Median conventional loan costs were $5,230, 6% lower than the national median ($5,570).
It denied 4.9% of completed home-purchase applications (all lenders: 8.5%).
How Reliance First Capital, LLC priced home-purchase loans
| Purchase loans, 2025 | Reliance First Capital, LLC | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | 6.625% | 6.250% |
| 30-year fixed rate · VA | 6.500% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.38 pts | +0.13 pts |
| Total loan costs · conventional | $5,230 | $5,570 |
| Total loan costs · FHA | $6,720 | $11,310 |
| Total loan costs · VA | $4,990 | $6,490 |
| Origination charges (all types) | $1,600 | $1,860 |
| Borrowers paying discount points | 45.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.96% | 0.87% |
| Borrowers receiving lender credits | 11.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Reliance First Capital, LLC denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Reliance First Capital, LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| New York | 539 | 578 | 11.8% | — | — |
| Ohio | 522 | 540 | 2.8% | 6.750% | $5,040 |
| North Carolina | 427 | 456 | 0.0% | — | — |
| Pennsylvania | 301 | 321 | 5.7% | 6.750% | $6,120 |
| Tennessee | 219 | 229 | — | — | — |
| Virginia | 153 | 165 | — | — | — |
| Georgia | 152 | 166 | — | — | — |
| Florida | 128 | 140 | — | — | — |
| South Carolina | 116 | 123 | — | — | — |
| Indiana | 86 | 95 | — | — | — |
| New Jersey | 76 | 85 | — | — | — |
| Connecticut | 65 | 68 | — | — | — |
| Maryland | 63 | 65 | — | — | — |
| Alabama | 57 | 63 | 6.5% | — | — |
| Massachusetts | 57 | 61 | — | — | — |
| Arkansas | 45 | 50 | — | — | — |
| New Hampshire | 37 | 39 | — | — | — |
| Kentucky | 24 | 31 | — | — | — |
| Wyoming | 17 | 18 | — | — | — |
| Maine | 16 | 16 | — | — | — |
| Louisiana | 15 | 16 | — | — | — |
| Michigan | 15 | 15 | — | — | — |
| Rhode Island | 13 | 14 | — | — | — |
| Mississippi | 11 | 12 | — | — | — |
| Delaware | 10 | 12 | — | — | — |
| Minnesota | 10 | 10 | — | — | — |
| Texas | 10 | 10 | — | — | — |
| Washington | 6 | 6 | — | — | — |
| Vermont | 5 | 6 | — | — | — |
| Montana | 5 | 5 | — | — | — |
| California | 4 | 5 | — | — | — |
| Colorado | 4 | 4 | — | — | — |
| Kansas | 4 | 4 | — | — | — |
| New Mexico | 3 | 5 | — | — | — |
| Arizona | 3 | 3 | — | — | — |
| Illinois | 2 | 3 | — | — | — |
| Oregon | 2 | 2 | — | — | — |
| District of Columbia | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Reliance First Capital, LLC's page for that state.
Counties where Reliance First Capital, LLC is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Clay County, GA | 11 | 1 | 6.3% |
| Hale County, AL | 5 | 5 | 5.3% |
| Scott County, KS | 17 | 1 | 4.0% |
| Dallas County, AR | 18 | 1 | 2.8% |
| Pickett County, TN | 24 | 1 | 2.4% |
| Desha County, AR | 19 | 1 | 2.2% |
| Emporia city, VA | 25 | 1 | 2.1% |
| Perquimans County, NC | 20 | 4 | 2.0% |
| Yancey County, NC | 12 | 3 | 1.8% |
| Graham County, NC | 19 | 1 | 1.7% |
| Cuyahoga County, OH | 13 | 222 | 1.6% |
| Alleghany County, NC | 18 | 2 | 1.6% |
| Scotland County, NC | 18 | 4 | 1.5% |
| Westmoreland County, PA | 18 | 58 | 1.5% |
| Medina County, OH | 18 | 40 | 1.4% |
Check Reliance First Capital, LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300YW2UBCMDRMBT48.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Reliance First Capital, LLC with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology