# NATIONS RELIABLE LENDING, LLC > **Canonical URL:** https://saferate.com/lenders/nations-reliable-lending > **πŸ“‹ 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 RELIABLE LENDING, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 37 states, with 3,422 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 81% of lenders for competitive rates - **Approval Rate:** Ranks in the top 37% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 549300JKR164SLNO6Y85 - **Headquarters:** WILMINGTON, DE - **Geographic Reach:** Near-National - **States Served:** 37 - **State List:** AL, AR, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NE, NH, NM, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WY - **Markets (MSAs):** 34 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 99.9% - **Brokered/Wholesale:** 0.1% ## Safe Rate Ratings ### Pricing: Mediocre 😐 - Score: 19/100 - Rating: ●○○○○ (1/5) ### Pull Through: Strong πŸ˜€ - Score: 63/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** +0.535% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $3,930 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 3,422 - **Dollar Volume:** $1.1 billion - **Applications Received:** 5,164 - **Market Share:** 10.00% ## Typical Borrower Profile - **Average Loan Amount:** $309,608 - **Average Borrower Income:** $133,587 - **Average Property Value:** $363,518 ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 71/100 | 1,656 | +0.425% | $3,836 | Strong πŸ˜€ | | FHA | 85/100 | 1,450 | +0.799% | $4,184 | Exceptional 🀩 | | VA | 79/100 | 257 | -0.208% | $3,231 | Strong πŸ˜€ | | Jumbo | 47/100 | 22 | +0.451% | $4,497 | Sound ☺️ | | USDA | 80/100 | 37 | +0.458% | $2,162 | Exceptional 🀩 | ### Product Performance by Purpose **Conventional:** - Purchase: 1,466 loans, Score: 72/100 (Strong) - Refinance: 190 loans, Score: 62/100 (Strong) **FHA:** - Purchase: 1,408 loans, Score: 85/100 (Exceptional) - Refinance: 42 loans, Score: 73/100 (Strong) **VA:** - Purchase: 256 loans, Score: 78/100 (Strong) **USDA:** - Purchase: 37 loans, Score: 80/100 (Exceptional) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 79/100 | 3,183 | $990M | +0.543% | Strong πŸ˜€ | | Refinance | 63/100 | 239 | $69M | +0.407% | Strong πŸ˜€ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | TX | 2,241 | 0.64% | 88/100 | | OH | 284 | 0.21% | 69/100 | | IN | 160 | 0.18% | 64/100 | | UT | 130 | 0.29% | 64/100 | | GA | 89 | 0.06% | 57/100 | | MA | 82 | 0.14% | 58/100 | | WI | 82 | 0.12% | 59/100 | | IL | 60 | 0.05% | 53/100 | | KY | 46 | 0.10% | 54/100 | | FL | 42 | 0.01% | 44/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Houston | TX | 1,436 | 92/100 | | Cincinnati, OH | | 287 | 81/100 | | Non | | 244 | 59/100 | | Dallas | TX | 155 | 67/100 | | Amarillo, TX | TX | 91 | 69/100 | | Beaumont | TX | 71 | 77/100 | | Salt Lake City | UT | 68 | 62/100 | | Atlanta | GA | 64 | 56/100 | | Dayton | OH | 58 | 60/100 | | McAllen | TX | 57 | 67/100 | | Odessa, TX | TX | 52 | 72/100 | | Chicago | IL | 51 | 53/100 | | Fort Worth | TX | 51 | 57/100 | | Brownsville | TX | 37 | 67/100 | | Milwaukee | WI | 36 | 53/100 | ## Where This Lender Ranks NATIONS RELIABLE LENDING, LLC appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ† **#6** in Houston for USDA Loans - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/usda-loans) - πŸ† **#6** in Houston for USDA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/mortgage-companies/usda-loans) - πŸ† **#6** in Amarillo, TX for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#8** in Cincinnati, OH for USDA Loans - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/usda-loans) - πŸ† **#8** in Cincinnati, OH for USDA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/mortgage-companies/usda-loans) - πŸ† **#9** in Amarillo, TX for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#9** in San Angelo, TX Mortgage Companies - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/mortgage-companies) - πŸ† **#9** in San Angelo, TX for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#9** in San Angelo, TX for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#10** in Beaumont for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/beaumont/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#10** in San Angelo, TX - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders) - πŸ† **#11** in Amarillo, TX Mortgage Companies - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/mortgage-companies) - πŸ† **#11** in Amarillo, TX for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#11** in Amarillo, TX for VA Loans - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/va-loans) - πŸ† **#11** in Odessa, TX for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/odessa-tx/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#11** in Brownsville for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#11** in San Angelo, TX for FHA Loans - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/fha-loans) - πŸ† **#12** in Brownsville for VA Loans - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders/va-loans) - πŸ† **#13** in Beaumont for VA Loans - [View Full Rankings](https://saferate.com/beaumont/best-mortgage-lenders/va-loans) - πŸ† **#13** in Odessa, TX for Conventional Loans - [View Full Rankings](https://saferate.com/odessa-tx/best-mortgage-lenders/conventional-loans) ## Frequently Asked Questions ### What loan types does NATIONS RELIABLE LENDING, LLC offer? NATIONS RELIABLE LENDING, LLC 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 RELIABLE LENDING, LLC offer mortgages? NATIONS RELIABLE LENDING, LLC offers mortgages in 37 states: AL, AR, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NE, NH, NM, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WY. ### How competitive are NATIONS RELIABLE LENDING, LLC's mortgage rates? NATIONS RELIABLE LENDING, LLC has a pricing score of 19/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.535% above market average. ### What type of lender is NATIONS RELIABLE LENDING, LLC? NATIONS RELIABLE LENDING, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE. ### What is NATIONS RELIABLE LENDING, LLC's loan approval success rate? NATIONS RELIABLE LENDING, LLC has a pull-through score of 63/100 (Strong). 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-reliable-lending ### How to Cite > "NATIONS RELIABLE LENDING, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nations-reliable-lending --- **[View Interactive Profile β†’](https://saferate.com/lenders/nations-reliable-lending)**