# Nations Lending Corporation

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


> **📋 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 Lending Corporation is a independent mortgage company, headquartered in Columbus, OH, serving borrowers nationwide, with 5,304 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 70% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 7% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900WEP08K7U7S3A80
- **Headquarters:** Columbus, OH
- **Geographic Reach:** National
- **States Served:** 48
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 93/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.427%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,846
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 5,304
- **Dollar Volume:** $1.7 billion
- **Applications Received:** 6,727
- **Market Share:** 15.00%

## Typical Borrower Profile

- **Average Loan Amount:** $317,998
- **Average Borrower Income:** $121,421
- **Average Property Value:** $402,336

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (69%)
- ⭐ **FHA Gold Superstar** (69%)
- ⭐ **VA Gold Superstar** (62%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (69%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 85/100 | 3,001 | +0.381% | $2,666 | Exceptional 🤩 |
| FHA | 87/100 | 1,629 | +0.818% | $3,316 | Exceptional 🤩 |
| VA | 84/100 | 530 | -0.028% | $3,647 | Exceptional 🤩 |
| Jumbo | 76/100 | 47 | +0.328% | $1,314 | Strong 😀 |
| USDA | 86/100 | 97 | +0.662% | $1,427 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,554 loans, Score: 86/100 (Exceptional)
- Refinance: 447 loans, Score: 70/100 (Strong)

**FHA:**
- Purchase: 1,100 loans, Score: 86/100 (Exceptional)
- Refinance: 529 loans, Score: 84/100 (Exceptional)

**VA:**
- Purchase: 397 loans, Score: 83/100 (Exceptional)
- Refinance: 133 loans, Score: 82/100 (Exceptional)

**Jumbo:**
- Purchase: 41 loans, Score: 73/100 (Strong)

**USDA:**
- Purchase: 97 loans, Score: 86/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 87/100 | 4,189 | $1.4B | +0.445% | Exceptional 🤩 |
| Refinance | 80/100 | 1,115 | $315M | +0.345% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 626 | 0.95% | 82/100 |
| AZ | 519 | 0.52% | 76/100 |
| OH | 512 | 0.38% | 74/100 |
| TX | 483 | 0.14% | 70/100 |
| NJ | 225 | 0.26% | 70/100 |
| MO | 224 | 0.30% | 66/100 |
| OR | 222 | 0.52% | 72/100 |
| IL | 214 | 0.17% | 66/100 |
| CA | 193 | 0.07% | 59/100 |
| MS | 191 | 0.77% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 703 | 73/100 |
| Phoenix | AZ | 438 | 76/100 |
| Houston | TX | 225 | 69/100 |
| St. Louis, MO | MO-IL | 207 | 73/100 |
| Cleveland, OH | OH | 189 | 73/100 |
| Memphis, TN |  | 184 | 74/100 |
| Chicago | IL | 159 | 65/100 |
| Las Vegas | NV | 142 | 70/100 |
| Green Bay, WI | WI | 111 | 79/100 |
| Milwaukee | WI | 110 | 67/100 |
| Grants Pass, OR | OR | 106 | 95/100 |
| Akron, OH | OH | 91 | 70/100 |
| Medford, OR | OR | 88 | 76/100 |
| Fort Wayne, IN | IN | 85 | 65/100 |
| Appleton, WI | WI | 84 | 69/100 |

## Where This Lender Ranks

Nations Lending Corporation appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** 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)
- 🥇 **#1** in Santa Fe, NM for Jumbo Loans
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Santa Fe, NM for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥈 **#2** in Grants Pass, OR Mortgage Companies
  - [View Full Rankings](https://saferate.com/grants-pass-or/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Grants Pass, OR for Conventional Loans
  - [View Full Rankings](https://saferate.com/grants-pass-or/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Grants Pass, OR for FHA Loans
  - [View Full Rankings](https://saferate.com/grants-pass-or/best-mortgage-lenders/fha-loans)
- 🥈 **#2** 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)
- 🥈 **#2** in Jonesboro, AR for USDA Loans
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Jonesboro, AR for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in New Mexico for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥉 **#3** in Grants Pass, OR
  - [View Full Rankings](https://saferate.com/grants-pass-or/best-mortgage-lenders)
- 🥉 **#3** in Grants Pass, OR for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grants-pass-or/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Appleton, WI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Santa Fe, NM Mortgage Companies
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Santa Fe, NM for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Oshkosh for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Grand Forks, ND Mortgage Companies
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Grand Forks, ND for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Grand Forks, ND for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Arizona for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/mortgage-companies/jumbo-loans)

## Frequently Asked Questions

### What loan types does Nations Lending Corporation offer?

Nations Lending Corporation offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Nations Lending Corporation offer mortgages?

Nations Lending Corporation is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Nations Lending Corporation's mortgage rates?

Nations Lending Corporation has a pricing score of 30/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.427% above market average.

### What type of lender is Nations Lending Corporation?

Nations Lending Corporation is a non-depository lender that specializes in mortgage origination, headquartered in Columbus, OH.

### What is Nations Lending Corporation's loan approval success rate?

Nations Lending Corporation has a pull-through score of 93/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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-lending

### How to Cite

> "Nations Lending Corporation Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nations-lending

---

**[View Interactive Profile →](https://saferate.com/lenders/nations-lending)**