The Mortgage Record
Lender report card · New Jersey

Reliance First Capital, Llc

Melville, NY · What the federal mortgage record shows about how Reliance First Capital, Llc treated New Jersey applicants, 2018–2025 — 1,351 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
65.8%
889 approved
Denial rate
34.2%
462 denied
Decisions
1,351
2018–2025
Avg. rate spread
+0.71 pp
vs. market benchmark
65.8% approved
34.2% denied

Share of 1,351 New Jersey applications Reliance First Capital, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional73.8% of 749 · NJ 87%FHA53.2% of 517 · NJ 79%VA74.4% of 82 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

21%40%59%78%97%34%24%92%95%97%97%94%94%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Reliance First Capital, Llc’s rates ran +0.28 pp higher than the typical New Jersey lender (average rate spread +0.71 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Reliance First Capital, Llc approves

By income
Under $50k22.1% · 281$50–75k66.9% · 275$75–100k76.9% · 268$100–150k83.6% · 299$150–250k83.0% · 182$250k+78.3% · 46
By debt-to-income
Under 36%59.1% · 47736–43%86.2% · 25343–50%85.3% · 319Over 50%38.7% · 302
By down payment (LTV)
20%+ down77.4% · 87010–20% down54.5% · 1765–10% down70.4% · 27

Why Reliance First Capital, Llc denied applications

Credit history33% of denialsDebt-to-income ratio26% of denialsCollateral (value/type)26% of denialsOther13% of denialsUnverifiable information3% of denialsIncomplete application2% of denials

Where Reliance First Capital, Llc lends in NJ

CountyDecisionsApproval
Ocean County15170.2%
Middlesex County12464.5%
Bergen County11160.4%
Monmouth County10775.7%
Essex County10551.4%
Burlington County8978.7%
Gloucester County7867.9%
Union County7464.9%

Fees & closing costs

Median total loan costs
$8,044
home purchase
As % of loan
2.85%
NJ median 1.93%
Priced originations
50
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Reliance First Capital, Llc’s home-purchase originations — 0.92 points higher than the 1.93% New Jersey median. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Reliance First Capital, Llc (LEI 549300YW2UBCMDRMBT48). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →