RELIANCE FIRST CAPITAL, LLC
3,953 mortgages originated in 2025 across 16 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,953
- Median rate
- 6.625%
- Median lender fees
- $8,964
- Median loan amount
- $205,000
- Median spread over APOR
- 0.657
- Paid discount points
- 85.6%
- Received lender credits
- 2.3%
- Purchases / refinances
- 16.7% / 83.3%
- Conventional / FHA / VA
- 54.4% / 36% / 8.9%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 96.8% of loans here — see methodology.
Where RELIANCE FIRST CAPITAL, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New York | 644 | $10,761 | 6.625% |
| Ohio | 587 | $6,176 | 6.750% |
| North Carolina | 562 | $8,420 | 6.625% |
| Pennsylvania | 364 | $8,171 | 6.750% |
| Tennessee | 272 | $9,750 | 6.500% |
| Virginia | 190 | $9,074 | 6.500% |
| Georgia | 180 | $10,446 | 6.625% |
| Florida | 177 | $9,965 | 6.625% |
| South Carolina | 160 | $8,776 | 6.813% |
| Indiana | 99 | $8,640 | 6.625% |
| New Jersey | 91 | $9,854 | 6.625% |
| Maryland | 86 | $9,764 | 6.813% |
| Connecticut | 75 | $12,483 | 6.500% |
| Massachusetts | 72 | $10,848 | 6.813% |
| Alabama | 61 | $6,481 | 6.500% |
| Arkansas | 53 | $9,168 | 6.625% |