Reliant Home Funding, Inc Mortgage Lending & HMDA Data, 2025
In 2025, Reliant Home Funding, Inc of Melville, NY reported 815 mortgage applications totaling $426.9 million, up 38% from 2024. The average application was for $523,760, and applicants reported an average income of $192,344. 62% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Nassau County-Suffolk County, NY (281), New York-Jersey City-White Plains, NY-NJ (141) and Lakewood-New Brunswick, NJ (30) (applications in parentheses).
| Mortgage Company & Address | Reliant Home Funding, Inc 445 Broadhollow Rd Suite 334 Melville, NY 11747 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 815 |
| Total Mortgage Loan Application Amount | $426,865,000 |
| Average Mortgage Loan Application Amount | $523,760 |
| Highest Mortgage Loan Application Amount | $1,985,000 |
| Average Applicant Income | $192,344 |
| Highest Applicant Income | $3,354,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Reliant Home Funding, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nassau County-Suffolk County, NY | 281 | $ 158,295,000 | $ 563,327 | $ 181,000 |
| New York-Jersey City-White Plains, NY-NJ | 141 | $ 86,165,000 | $ 611,099 | $ 234,865 |
| Outside any metro area | 42 | $ 15,860,000 | $ 377,619 | $ 163,166 |
| Lakewood-New Brunswick, NJ | 30 | $ 17,240,000 | $ 574,666 | $ 300,000 |
| Newark, NJ-PA | 27 | $ 15,275,000 | $ 565,740 | $ 249,000 |
| Bridgeport-Stamford-Norwalk, CT | 21 | $ 10,965,000 | $ 522,142 | $ 246,000 |
| Hartford-West Hartford-East Hartford, CT | 20 | $ 6,760,000 | $ 338,000 | $ 99,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 19 | $ 7,765,000 | $ 408,684 | $ 159,000 |
| Boston, MA | 16 | $ 9,630,000 | $ 601,875 | $ 183,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 13 | $ 5,445,000 | $ 418,846 | $ 140,000 |
| Baltimore-Columbia-Towson, MD | 11 | $ 5,845,000 | $ 531,363 | $ 197,000 |
| Cambridge-Newton-Framingham, MA | 11 | $ 6,825,000 | $ 620,454 | $ 202,000 |
| Waterbury-Shelton, CT | 11 | $ 4,545,000 | $ 413,181 | $ 115,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | $ 2,565,000 | $ 285,000 | $ 101,111 |
| Rochester, NY | 9 | $ 3,365,000 | $ 373,888 | $ 141,000 |
| Montgomery County-Bucks County-Chester County, PA | 8 | $ 3,570,000 | $ 446,250 | $ 182,000 |
| Norwich-New London, CT | 8 | $ 2,890,000 | $ 361,250 | $ 145,000 |
| Washington, DC-MD | 8 | $ 3,630,000 | $ 453,750 | $ 147,000 |
| Albany-Schenectady-Troy, NY | 7 | $ 2,155,000 | $ 307,857 | $ 156,000 |
| Arlington-Alexandria-Reston, VA-WV | 7 | $ 4,895,000 | $ 699,285 | $ 238,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 7 | $ 2,835,000 | $ 405,000 | $ 198,000 |
| New Haven-Milford, CT | 6 | $ 2,390,000 | $ 398,333 | $ 116,000 |
| Philadelphia, PA | 6 | $ 3,010,000 | $ 501,666 | $ 135,000 |
| Syracuse, NY | 6 | $ 1,520,000 | $ 253,333 | $ 100,000 |
| Camden, NJ | 5 | $ 2,705,000 | $ 541,000 | $ 227,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 2,415,000 | $ 483,000 | $ 156,600 |
| Providence-Warwick, RI-MA | 5 | $ 2,935,000 | $ 587,000 | $ 148,600 |
| Washington-Baltimore-Arlington, DC | 5 | $ 3,105,000 | $ 621,000 | $ 204,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 1,820,000 | $ 455,000 | $ 185,000 |
| Richmond, VA | 4 | $ 2,150,000 | $ 537,500 | $ 216,000 |
| Worcester, MA-CT | 4 | $ 2,260,000 | $ 565,000 | $ 180,000 |
| Dallas-Plano-Irving, TX | 3 | $ 1,685,000 | $ 561,666 | $ 213,000 |
| Fort Worth-Arlington, TX | 3 | $ 955,000 | $ 318,333 | $ 328,000 |
| Glens Falls, NY | 3 | $ 945,000 | $ 315,000 | $ 206,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,605,000 | $ 535,000 | $ 186,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 1,515,000 | $ 505,000 | $ 149,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 2,025,000 | $ 675,000 | $ 139,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 360,000 | $ 180,000 | $ 62,000 |
| Chicago-Naperville, IL | 2 | $ 1,070,000 | $ 535,000 | $ 164,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 610,000 | $ 305,000 | $ 147,000 |
| Ithaca, NY | 2 | $ 780,000 | $ 390,000 | $ 167,000 |
| Jacksonville, FL | 2 | $ 980,000 | $ 490,000 | $ 222,000 |
| Kingston, NY | 2 | $ 920,000 | $ 460,000 | $ 164,000 |
| Lakeland-Winter Haven, FL | 2 | $ 510,000 | $ 255,000 | $ 84,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 690,000 | $ 345,000 | $ 150,000 |
| Portland-South Portland, ME | 2 | $ 1,280,000 | $ 640,000 | $ 206,000 |
| San Antonio-New Braunfels, TX | 2 | $ 730,000 | $ 365,000 | $ 743,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 800,000 | $ 400,000 | $ 172,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 785,000 | $ 785,000 | $ 307,000 |
| Binghamton, NY | 1 | $ 335,000 | $ 335,000 | $ 185,000 |
| Champaign-Urbana, IL | 1 | $ 845,000 | $ 845,000 | $ 478,000 |
| Chattanooga, TN-GA | 1 | $ 205,000 | $ 205,000 | $ 2,000 |
| Elgin, IL | 1 | $ 445,000 | $ 445,000 | $ 250,000 |
| Elmira, NY | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 285,000 | $ 285,000 | $ 130,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 525,000 | $ 525,000 | $ 242,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 685,000 | $ 685,000 | $ 192,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 515,000 | $ 515,000 | $ 143,000 |
| Pittsburgh, PA | 1 | $ 265,000 | $ 265,000 | $ 52,000 |
| Reading, PA | 1 | $ 385,000 | $ 385,000 | $ 118,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 615,000 | $ 615,000 | $ 308,000 |
| Sebastian-Vero Beach, FL | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Spartanburg, SC | 1 | $ 255,000 | $ 255,000 | $ 84,000 |
| Springfield, MA | 1 | $ 335,000 | $ 335,000 | $ 71,000 |
| Warner Robins, GA | 1 | $ 345,000 | $ 345,000 | $ 94,000 |
| Winchester, VA-WV | 1 | $ 395,000 | $ 395,000 | $ 225,000 |
| York-Hanover, PA | 1 | $ 325,000 | $ 325,000 | $ 142,000 |
Mortgage Loan Application Detail Totals for Reliant Home Funding, Inc in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 672 | $349,590,000 | $520,000 | $1,985,000 | $193,000 | $3,354,000 |
| Cash-out Refinancing | 74 | $35,680,000 | $482,000 | $1,555,000 | $169,000 | $770,000 |
| Refinancing | 69 | $41,595,000 | $602,000 | $1,025,000 | $211,000 | $479,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 353 | $176,515,000 | $500,000 | $1,205,000 | $195,000 | $2,068,000 |
| Asian | 130 | $81,490,000 | $626,000 | $1,985,000 | $241,000 | $3,354,000 |
| Not Provided | 128 | $68,150,000 | $532,000 | $1,555,000 | $200,000 | $690,000 |
| Hispanic | 123 | $65,545,000 | $532,000 | $1,405,000 | $175,000 | $1,061,000 |
| Black or African American | 75 | $31,885,000 | $425,000 | $1,125,000 | $119,000 | $340,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $2,030,000 | $507,000 | $655,000 | $96,000 | $163,000 |
| American Indian or Alaskan Native | 2 | $1,250,000 | $625,000 | $745,000 | $192,000 | $223,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 666 | $353,410,000 | $530,000 | $1,985,000 | $206,000 | $3,354,000 |
| FHA-insured (Federal Housing Administration) | 138 | $66,450,000 | $481,000 | $1,405,000 | $131,000 | $521,000 |
| VA-guaranteed (Veterans Administration) | 11 | $7,005,000 | $636,000 | $1,345,000 | $166,000 | $478,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 508 | $264,720,000 | $521,000 | $1,985,000 | $190,000 | $2,068,000 |
| Application Withdrawn By Applicant | 253 | $134,825,000 | $532,000 | $1,555,000 | $205,000 | $3,354,000 |
| Application Denied By Financial Institution | 36 | $17,060,000 | $473,000 | $1,405,000 | $142,000 | $327,000 |
| File Closed For Incompleteness | 17 | $10,035,000 | $590,000 | $1,195,000 | $204,000 | $600,000 |
| Application Approved But Not Accepted | 1 | $225,000 | $225,000 | $225,000 | $113,000 | $113,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 779 | $409,805,000 | $526,000 | $1,985,000 | $195,000 | $3,354,000 |
| Debt-To-Income Ratio | 11 | $5,085,000 | $462,000 | $725,000 | $123,000 | $202,000 |
| Collateral | 8 | $3,950,000 | $493,000 | $805,000 | $185,000 | $261,000 |
| Other | 4 | $1,860,000 | $465,000 | $1,125,000 | $130,000 | $219,000 |
| Employment History | 4 | $2,310,000 | $577,000 | $655,000 | $190,000 | $327,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $2,350,000 | $587,000 | $1,405,000 | $171,000 | $279,000 |
| Credit History | 4 | $1,250,000 | $312,000 | $635,000 | $80,000 | $158,000 |
| Unverifiable Information | 1 | $255,000 | $255,000 | $255,000 | $78,000 | $78,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Reliant Home Funding, Inc's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Reliant Home Funding, Inc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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