Reliance First Capital, LLC mortgage approval rate & lending review
Reliance First Capital, LLC decided 10,691 mortgage applications and funded 9,036 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Reliance First Capital, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to reliancefirst.com.
Reliance First Capital, LLC at a glance
Approval is 23.0 points above the 72.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 1,801 / 1,889 | 89% | $215K | 1,594 |
| Cash-out refinance | 96% | 7,546 / 7,869 | 89% | $215K | 6,697 |
| Refinance | 97% | 178 / 184 | 87% | $215K | 155 |
| Investment property purchase | 87% | 194 / 223 | 89% | $135K | 172 |
| Investment cash-out refinance | 93% | 482 / 518 | 85% | $155K | 412 |
Reliance First Capital, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 96% | $215K | 1,623 | 1,427 |
| New York | 95% | $295K | 1,544 | 1,317 |
| North Carolina | 96% | $205K | 1,387 | 1,183 |
| Pennsylvania | 96% | $185K | 1,003 | 851 |
| Georgia | 94% | $215K | 637 | 511 |
| Florida | 94% | $215K | 628 | 502 |
| Tennessee | 97% | $205K | 624 | 530 |
| South Carolina | 96% | $205K | 513 | 445 |
| Virginia | 97% | $225K | 340 | 295 |
| New Jersey | 95% | $275K | 307 | 259 |
| Massachusetts | 96% | $305K | 245 | 228 |
| Alabama | 95% | $155K | 241 | 186 |
| Maryland | 96% | $245K | 235 | 190 |
| Indiana | 94% | $195K | 212 | 172 |
| Connecticut | 93% | $255K | 148 | 128 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Reliance First Capital, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cuyahoga County, OH | Mortgage lenders | 96% | 581 | 515 |
| Suffolk County, NY | Cash-out refinance | 97% | 252 | 223 |
| Mecklenburg County, NC | Cash-out refinance | 94% | 178 | 144 |
| Erie County, NY | Cash-out refinance | 96% | 160 | 140 |
| Westmoreland County, PA | Mortgage lenders | 94% | 144 | 119 |
| Wake County, NC | Cash-out refinance | 97% | 115 | 101 |
| Medina County, OH | Mortgage lenders | 100% | 104 | 96 |
| Nassau County, NY | Cash-out refinance | 95% | 110 | 95 |
| Davidson County, TN | Cash-out refinance | 99% | 96 | 80 |
| Monroe County, NY | Cash-out refinance | 93% | 92 | 78 |
| Shelby County, TN | Cash-out refinance | 97% | 96 | 75 |
| Tuscaloosa County, AL | Mortgage lenders | 97% | 89 | 74 |
The county markets where Reliance First Capital, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Reliance First Capital, LLC
What is Reliance First Capital, LLC's mortgage approval rate?
Reliance First Capital, LLC approved 95.5% of the 10,691 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 23.0 points above the 72.4% national rate for the same mix of loan types.
How often do borrowers take the loan Reliance First Capital, LLC offers?
Borrowers accepted 89% of the loans Reliance First Capital, LLC approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Reliance First Capital, LLC make?
The typical cash-out refinance loan Reliance First Capital, LLC made was $215K; across all loan types its typical loan ran from $135K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Reliance First Capital, LLC lend?
Reliance First Capital, LLC decided applications in 38 of the states Fat Boy Data covers, most of them in Ohio, New York and North Carolina.
Can I apply to Reliance First Capital, LLC directly?
Yes. Reliance First Capital, LLC reports as a direct lender that takes applications from borrowers. Its website is reliancefirst.com.
Does this page show Reliance First Capital, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Reliance First Capital, LLC treats applications, then get a rate quote from the lender.