Reliant Home Funding Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores Reliant Home Funding
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
Clean5 out of 5 - Where and what they lend
How many states and loan types this lender serves.
72%4 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. One of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, at least 95% did, which might mean quoted terms held up, applicants were well qualified, or both.
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What Bankrate's editors think
Reliant Home Funding has a selection of conventional mortgages, government-backed loans and a renovation loan — which many lenders don’t offer. You can complete the entire mortgage process online, but it may take 30 to 45 days to receive an approval decision. In a fast-moving market, that lack of speed could be costly.
Still, Reliant Home Funding could be a good fit for residents of the 24 states (and Washington, D.C.) it lends in, and it earns high ratings from Bankrate customers. Its reputation elsewhere is thin: it has only one review on the Better Business Bureau, which is negative, with no reviews on Trustpilot. If knowing how others fared with a lender matters to you, Reliant Home Funding may not be a good fit.
Reliant Home Funding earns a 5-star Bankrate Rating despite a 3-star Overall Rating: the bids it places in Bankrate’s auction are priced more aggressively than its general mortgage business, which runs closer to average on pricing. About 52% of its 2025 mortgage originations were priced below comparable loans, roughly average. On the plus side, only about 3% of approved borrowers don’t make it to closing, which is a surprisingly strong closing record.
At a glance
Reliant Home Funding is a solid option if you live in one of the states where it’s licensed, but limited information available online means you’ll want to at least get a rate quote before deciding on this lender.
What consumers say
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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