Applications / Mortgage Analytics / Lenders / New York / Reliance First Capital
Melville, NY · Independent non-bank lender · CFPB · 3,953 loans in 2025
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3,953
loans originated, 2025
4,966
applications, 2025
38
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Reliance First Capital is a refinance lender to lower-income borrowers: more than half its loans went to them in 2025, a higher share than at nearly all similar lenders.
Refinances made up 83.3% of its 3,953 loans, which reached 38 states, centered on New York. Its count fell 3% while similar lenders, meaning independent non-bank lenders making between half and twice as many loans, grew 10%. A refinance lender rises and falls with rates: in 2020, when its typical rate was 3.25%, it made 7,470 loans; in 2025 its typical rate was 6.62%.
Borrowers with low or moderate incomes took 51.9% of its loans, against 28.2% at similar lenders, and up from 36.1% in 2020. Its typical loan, $205,000, was among the lowest tenth of its peers, against their $315,000.
Loans insured by the Federal Housing Administration (FHA) made up 36.0% of its lending, up from 21.4% in 2020 and against 24.2% at similar lenders, higher than more than four in five of them. Its refinance denial rate, 4.4%, was lower than its peers' 6.8%.
Its firmest position is in Cleveland, where it has lent since 2010 and ranked 31 of 577 lenders, with 0.7% of the market. It also ranked 73 of 571 in Pittsburgh, where it has lent since 2009.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Reliance First Capital took 4,966 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 83.3% · Purchase 16.7%
Conventional 54.4% · FHA 36.0% · VA 8.9% · USDA (RHS or FSA) 0.8% · of 3,953 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 644 | 16.3% |
| Ohio | 587 | 14.8% |
| North Carolina | 562 | 14.2% |
| Pennsylvania | 364 | 9.2% |
| Tennessee | 272 | 6.9% |
| Virginia | 190 | 4.8% |
| Georgia | 180 | 4.6% |
| Florida | 177 | 4.5% |
| South Carolina | 160 | 4.0% |
| Indiana | 99 | 2.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 342 |
| Charlotte-Concord-Gastonia | 175 |
| Nassau County-Suffolk County | 153 |
| Pittsburgh | 140 |
| New York-Jersey City-White Plains | 127 |
| Nashville-Davidson--Murfreesboro--Franklin | 90 |
| Atlanta-Sandy Springs-Roswell | 83 |
| Buffalo-Cheektowaga | 83 |
| Raleigh-Cary | 60 |
| Albany-Schenectady-Troy | 55 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YW2UBCMDRMBT48 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4184805 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7262261031 |
Established 24 March 2008. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Reliance First Capital's data.
Reliance First Capital's data
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Reliance First Capital and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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