Reliant Home Funding, Inc.: 2025 mortgage rates, costs & approvals
How Reliant Home Funding, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: RELIANT HOME FUNDING, INC · LEI 2549001NJY765EZWDI06
In 2025, Reliant Home Funding, Inc. originated 449 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 19 states — 774th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 6 basis points below the national median. Median conventional loan costs were $7,820, 40% higher than the national median ($5,570).
It denied 6.3% of completed home-purchase applications (all lenders: 8.5%).
How Reliant Home Funding, Inc. priced home-purchase loans
| Purchase loans, 2025 | Reliant Home Funding, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.500% | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.07 pts | +0.13 pts |
| Total loan costs · conventional | $7,820 | $5,570 |
| Total loan costs · FHA | $17,740 | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $3,150 | $1,860 |
| Borrowers paying discount points | 67.7% | 51.3% |
| Points paid, when paid (% of loan) | 0.61% | 0.87% |
| Borrowers receiving lender credits | 30.5% | 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 Reliant Home Funding, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Reliant Home Funding, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| New York | 292 | 311 | 5.9% | 6.625% | $8,010 |
| Connecticut | 40 | 44 | 9.3% | — | $8,120 |
| New Jersey | 28 | 29 | 4.0% | 6.375% | $7,780 |
| Massachusetts | 19 | 19 | — | — | — |
| Pennsylvania | 15 | 16 | — | — | — |
| Maryland | 14 | 17 | — | — | — |
| Florida | 11 | 11 | — | — | — |
| Virginia | 6 | 6 | — | — | — |
| Texas | 5 | 5 | — | — | — |
| South Carolina | 4 | 4 | — | — | — |
| North Carolina | 3 | 3 | — | — | — |
| Minnesota | 2 | 3 | — | — | — |
| Illinois | 2 | 2 | — | — | — |
| Maine | 2 | 2 | — | — | — |
| New Hampshire | 2 | 2 | — | — | — |
| Georgia | 1 | 2 | — | — | — |
| Alabama | 1 | 1 | — | — | — |
| Rhode Island | 1 | 1 | — | — | — |
| Vermont | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Reliant Home Funding, Inc.'s page for that state.
Counties where Reliant Home Funding, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Suffolk County, NY | 23 | 147 | 1.1% |
| Jackson County, MN | 20 | 1 | 1.0% |
| Cottonwood County, MN | 18 | 1 | 0.9% |
| Schuyler County, NY | 22 | 1 | 0.8% |
Check Reliant Home Funding, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 2549001NJY765EZWDI06.
- 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 Reliant Home Funding, Inc. 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