Applications / Mortgage Analytics / Lenders / New York / Reliant Home Funding
New York, NY · Independent non-bank lender · CFPB · 508 loans in 2025
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508
loans originated, 2025
815
applications, 2025
21
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Reliant Home Funding, a New York purchase lender that first reported in 2022, has nearly tripled its lending since then and makes bigger loans than most of its peers.
It made 177 loans in 2022, 214 in 2023, 381 in 2024 and 508 in 2025. Its rise of 33% in 2025 compares with 2% at similar lenders, meaning independent non-bank lenders making between half and twice as many loans; it grew faster than more than four in five of them.
Its typical loan was $515,000, against $325,000 at similar lenders, higher than about nine in ten of them. Home purchases made up 85.8% of its lending. Most loans were conventional; 16.9% were insured by the Federal Housing Administration.
Its loans reached 56 metros in 21 states. In New York, its main market, it ranked 138 of 802 lenders. It entered Boston in 2024 and Dallas-Fort Worth, Worcester and Portland, Maine in 2025.
Borrowers with low or moderate incomes took 21.7% of its loans, against 25.1% at similar lenders. Its share in poorer neighborhoods fell to 16.6% from 26.1%, a little below its peers' 18.6%. Its move into new markets may account for part of that change.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Reliant Home Funding took 815 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.8% · Refinance 14.2%
Conventional 81.5% · FHA 16.9% · VA 1.6% · of 508 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 | 325 | 64.0% |
| Connecticut | 41 | 8.1% |
| New Jersey | 32 | 6.3% |
| Pennsylvania | 20 | 3.9% |
| Florida | 19 | 3.7% |
| Massachusetts | 19 | 3.7% |
| Maryland | 16 | 3.1% |
| Texas | 7 | 1.4% |
| Virginia | 6 | 1.2% |
| South Carolina | 5 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nassau County-Suffolk County | 217 |
| New York-Jersey City-White Plains | 76 |
| Hartford-West Hartford-East Hartford | 14 |
| New Haven | 12 |
| Kiryas Joel-Poughkeepsie-Newburgh | 11 |
| Lakewood-New Brunswick | 11 |
| Bridgeport-Stamford-Danbury | 10 |
| Newark | 10 |
| Boston | 8 |
| Rochester | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549001NJY765EZWDI06 | 2022–2025 |
Established 2 March 2010. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Reliant Home Funding's data.
Reliant Home Funding's data
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Reliant Home Funding 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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