# NATIONS DIRECT MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/nations-direct-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


NATIONS DIRECT MORTGAGE, LLC is a independent mortgage company, headquartered in Sacramento, CA, serving borrowers across 36 states, with 4,419 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 62% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300QKL5FUBZ8LSF50
- **Headquarters:** Sacramento, CA
- **Geographic Reach:** Near-National
- **States Served:** 36
- **State List:** AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MT, NC, NH, NJ, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 50
- **Primary Channel:** wholesale
- **Direct Origination:** 0%
- **Brokered/Wholesale:** 100%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.307%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,665
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,419
- **Dollar Volume:** $2.0 billion
- **Applications Received:** 6,092
- **Market Share:** 12.00%

## Typical Borrower Profile

- **Average Loan Amount:** $456,482
- **Average Borrower Income:** $182,983
- **Average Property Value:** $591,309

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 2,878 | +0.295% | $2,506 | Strong 😀 |
| FHA | 82/100 | 1,024 | +0.517% | $3,001 | Exceptional 🤩 |
| VA | 82/100 | 432 | -0.209% | $2,932 | Exceptional 🤩 |
| Jumbo | 73/100 | 85 | +0.953% | $2,930 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,459 loans, Score: 78/100 (Strong)
- Refinance: 419 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 868 loans, Score: 81/100 (Exceptional)
- Refinance: 156 loans, Score: 80/100 (Exceptional)

**VA:**
- Purchase: 351 loans, Score: 81/100 (Exceptional)
- Refinance: 81 loans, Score: 81/100 (Exceptional)

**Jumbo:**
- Purchase: 60 loans, Score: 74/100 (Strong)
- Refinance: 25 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 80/100 | 3,738 | $1.7B | +0.315% | Exceptional 🤩 |
| Refinance | 76/100 | 681 | $314M | +0.267% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 1,166 | 2.74% | 93/100 |
| CA | 642 | 0.23% | 72/100 |
| PA | 406 | 0.34% | 74/100 |
| WA | 335 | 0.39% | 75/100 |
| MA | 245 | 0.41% | 70/100 |
| FL | 198 | 0.07% | 60/100 |
| NJ | 195 | 0.23% | 69/100 |
| VA | 187 | 0.17% | 67/100 |
| OH | 122 | 0.09% | 59/100 |
| TX | 117 | 0.03% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Portland | OR-WA | 939 | 92/100 |
| Los Angeles | CA | 236 | 72/100 |
| Non |  | 201 | 55/100 |
| Montgomery County | PA | 183 | 78/100 |
| Salem, OR | OR | 162 | 89/100 |
| Riverside | CA | 148 | 66/100 |
| Arlington | VA-WV | 144 | 68/100 |
| Cambridge | MA | 135 | 69/100 |
| Philadelphia, PA | PA | 79 | 65/100 |
| Bend, OR | OR | 77 | 80/100 |
| Lakewood | NJ | 72 | 62/100 |
| Cincinnati, OH |  | 63 | 60/100 |
| Atlanta | GA | 56 | 54/100 |
| Phoenix | AZ | 55 | 53/100 |
| Providence | RI-MA | 55 | 61/100 |

## Where This Lender Ranks

NATIONS DIRECT MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Salem, OR for FHA Loans
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Salem, OR for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Longview for FHA Loans
  - [View Full Rankings](https://saferate.com/longview/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Longview for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/longview/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Oregon for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Portland for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Bend, OR for FHA Loans
  - [View Full Rankings](https://saferate.com/bend-or/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Bend, OR for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bend-or/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Oregon for FHA Loans
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Portland for FHA Loans
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Grants Pass, OR for FHA Loans
  - [View Full Rankings](https://saferate.com/grants-pass-or/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Grants Pass, OR for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grants-pass-or/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#7** in Cambridge for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#7** in Grants Pass, OR Mortgage Companies
  - [View Full Rankings](https://saferate.com/grants-pass-or/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Albany, OR for VA Loans
  - [View Full Rankings](https://saferate.com/albany-or/best-mortgage-lenders/va-loans)
- 🏆 **#8** in Albany, OR for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albany-or/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#8** in Grants Pass, OR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grants-pass-or/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#9** in Washington for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in Montgomery County for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in Salem, OR Mortgage Companies
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does NATIONS DIRECT MORTGAGE, LLC offer?

NATIONS DIRECT MORTGAGE, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NATIONS DIRECT MORTGAGE, LLC offer mortgages?

NATIONS DIRECT MORTGAGE, LLC offers mortgages in 36 states: AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MT, NC, NH, NJ, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI.

### How competitive are NATIONS DIRECT MORTGAGE, LLC's mortgage rates?

NATIONS DIRECT MORTGAGE, LLC has a pricing score of 38/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.307% above market average.

### What type of lender is NATIONS DIRECT MORTGAGE, LLC?

NATIONS DIRECT MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Sacramento, CA.

### What is NATIONS DIRECT MORTGAGE, LLC's loan approval success rate?

NATIONS DIRECT MORTGAGE, LLC has a pull-through score of 74/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/nations-direct-mortgage

### How to Cite

> "NATIONS DIRECT MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nations-direct-mortgage

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