Reliance First Capital
We analyzed every closed loan from Reliance First Capital — 3.5k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Near-National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
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Report Card
Reliance First Capital performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Pull Through
Closing strength
Exceptional
Top 5% of lenders
5/5
By Loan Product· Specialization by type
Conventional
1,534 loans
Strong
Top 40% of lenders
4/5
FHA
1,520 loans
Exceptional
Top 20% of lenders
5/5
VA
416 loans
Strong
Top 40% of lenders
4/5
USDA
37 loans
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
667 loans
Strong
Top 40% of lenders
4/5
Refinance
2,844 loans
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Near-National · 50 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | — | 1,534 | 43.7% | — | — | |||
FHA Loans | — | 1,520 | 43.3% | — | — | |||
VA Loans | — | 416 | 11.8% | — | — | |||
USDA Loans | — | 37 | 1.1% | — | — |
Conventional
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume1,534
Mix43.7%
Spread—
Fees—
FHA Loans
OverallExceptional
ProductExceptional
Pricing—
Pull ThroughExceptional
Volume1,520
Mix43.3%
Spread—
Fees—
VA Loans
OverallExceptional
ProductStrong
Pricing—
Pull ThroughExceptional
Volume416
Mix11.8%
Spread—
Fees—
USDA Loans
OverallStrong
ProductExceptional
Pricing—
Pull ThroughStrong
Volume37
Mix1.1%
Spread—
Fees—
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | — | 667 | 19.0% | — | — | |||
Refinance | — | 2,844 | 81.0% | — | — |
Purchase
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume667
Mix19.0%
Spread—
Fees—
Refinance
OverallExceptional
ProductExceptional
Pricing—
Pull ThroughExceptional
Volume2,844
Mix81.0%
Spread—
Fees—
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,511
Applications
4,363
Volume
$867 million
Pricing & Closing
Pullthrough Rate
80.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$246,951
Avg Borrower Income
$98,813
Avg Property Value
$375,006
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
37
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
37Full-year 2024 · HMDALoans originated
< 2020–5050–100100–200200+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest6
ILINKSMIMNOH
South14
ALARDEFLGAKYLAMDMSNCSCTNTXVA
West8
AZCACOMTNMORWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 27 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.