Reliable Holdings Manager dba Lendz Financial
Reliable Holdings Manager dba Lendz Financial received 1,778 applications in 2025 and made 913 mortgages, in 246 counties across 37 states. The median rate its borrowers got was 7.375% on a median loan of $295,000. Of 993 decisions, 80 were denials — 8.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549005K0ZG1MFV3R260 |
|---|---|
| Applications received | 1,778 |
| Mortgages made | 913 |
| Denied | 80 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 785 |
| Loans bought from other lenders | 28 |
| Median rate spread over the prime offer rate | 1.358 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 540 | 7.375% | $295,000 | 6.7% |
| Refinancing | 244 | 7.375% | $305,000 | 8.3% |
| Cash-out refinancing | 129 | 7.750% | $265,000 | 12.8% |
Where Reliable Holdings Manager dba Lendz Financial lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Miami-Dade County, FL | 193 | 7.375% | 10.2% |
| Broward County, FL | 118 | 7.500% | 4.8% |
| Lee County, FL | 52 | 7.375% | 1.9% |
| Osceola County, FL | 41 | 7.625% | 4.7% |
| Polk County, FL | 27 | 7.750% | 10.0% |
| Orange County, FL | 26 | 7.375% | 16.1% |
| Hillsborough County, FL | 23 | 7.500% | 4.2% |
| Collier County, FL | 22 | 7.125% | 4.4% |
| Palm Beach County, FL | 21 | 7.500% | 12.5% |
| Charlotte County, FL | 16 | 7.500% | 5.9% |
| Lake County, FL | 16 | 7.188% | 5.9% |
| Harris County, TX | 14 | 7.990% | 6.7% |
| Orange County, CA | 12 | 6.990% | 7.7% |
| Marion County, FL | 12 | 7.500% | 7.7% |
| Volusia County, FL | 11 | 7.500% | 15.4% |
| Montgomery County, TX | 11 | 7.625% | 0.0% |
| Los Angeles County, CA | 10 | 8.188% | 16.7% |
| Pasco County, FL | 10 | 6.938% | 0.0% |
| Sussex County, NJ | 10 | 7.990% | 0.0% |
| Brevard County, FL | 8 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 7 | Under 10 loans | 0.0% |
| Monroe County, FL | 7 | Under 10 loans | 12.5% |
| Pinellas County, FL | 6 | Under 10 loans | 33.3% |
| Cobb County, GA | 6 | Under 10 loans | 0.0% |
| Fulton County, GA | 6 | Under 10 loans | 0.0% |
| Cook County, IL | 6 | Under 10 loans | 0.0% |
| Horry County, SC | 6 | Under 10 loans | 0.0% |
| Dallas County, TX | 6 | Under 10 loans | 0.0% |
| Seminole County, FL | 5 | Under 10 loans | 16.7% |
| Essex County, NJ | 5 | Under 10 loans | 0.0% |
| Passaic County, NJ | 5 | Under 10 loans | 16.7% |
| Maricopa County, AZ | 4 | Under 10 loans | 0.0% |
| Riverside County, CA | 4 | Under 10 loans | 0.0% |
| San Diego County, CA | 4 | Under 10 loans | 0.0% |
| Highlands County, FL | 4 | Under 10 loans | 0.0% |
| St. Johns County, FL | 4 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 4 | Under 10 loans | 0.0% |
| Tarrant County, TX | 4 | Under 10 loans | 0.0% |
| Indian River County, FL | 3 | Under 10 loans | 0.0% |
| Sarasota County, FL | 3 | Under 10 loans | 0.0% |
| DeKalb County, GA | 3 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 3 | Under 10 loans | 0.0% |
| Baltimore city, MD | 3 | Under 10 loans | 0.0% |
| Essex County, MA | 3 | Under 10 loans | 0.0% |
| Hancock County, MS | 3 | Under 10 loans | 0.0% |
| Bergen County, NJ | 3 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 3 | Under 10 loans | 0.0% |
| Union County, NJ | 3 | Under 10 loans | 0.0% |
| Berks County, PA | 3 | Under 10 loans | 0.0% |
| Rockwall County, TX | 3 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.