# NEST HOME LENDING, LLC > **Canonical URL:** https://saferate.com/lenders/nest-home-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 NEST HOME LENDING, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 3 states, with 653 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 52% 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):** 5493002OVIWOKVJME308 - **Headquarters:** WILMINGTON, DE - **Geographic Reach:** Regional - **States Served:** 3 - **State List:** AZ, CO, UT - **Markets (MSAs):** 7 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 95.8% - **Brokered/Wholesale:** 4.2% ## Safe Rate Ratings ### Pricing: Sound ☺️ - Score: 48/100 - Rating: ●●●○○ (3/5) ### Pull Through: Strong πŸ˜€ - Score: 74/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** -0.301% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $4,497 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 653 - **Dollar Volume:** $261 million - **Applications Received:** 811 - **Market Share:** 2.00% ## Typical Borrower Profile - **Average Loan Amount:** $399,962 - **Average Borrower Income:** $125,515 - **Average Property Value:** $460,023 ## Safe Rate Awards πŸ† - ⭐ **FHA Gold Superstar** (70%) - ⭐ **Purchase Gold Superstar** (63%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 53/100 | 286 | -0.335% | $4,474 | Sound ☺️ | | FHA | 74/100 | 279 | -0.134% | $5,198 | Strong πŸ˜€ | | VA | 70/100 | 86 | -1.097% | $656 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 283 loans, Score: 55/100 (Sound) **FHA:** - Purchase: 278 loans, Score: 74/100 (Strong) **VA:** - Purchase: 86 loans, Score: 70/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 62/100 | 649 | $259M | -0.316% | Strong πŸ˜€ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | CO | 433 | 0.52% | 81/100 | | UT | 128 | 0.28% | 69/100 | | AZ | 92 | 0.09% | 63/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Denver | CO | 246 | 78/100 | | Colorado Springs, CO | CO | 128 | 76/100 | | Provo | UT | 103 | 74/100 | | Phoenix | AZ | 92 | 64/100 | | Greeley, CO | CO | 43 | 67/100 | | Salt Lake City | UT | 25 | 53/100 | | Fort Collins | CO | 12 | 45/100 | ## Where This Lender Ranks NEST HOME LENDING, LLC appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ† **#8** in Colorado Mortgage Companies - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/mortgage-companies) - πŸ† **#8** in Colorado Springs, CO for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#8** in Provo - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders) - πŸ† **#8** in Provo Mortgage Companies - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/mortgage-companies) - πŸ† **#9** in Colorado for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#9** in Greeley, CO for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#10** in Colorado Springs, CO Mortgage Companies - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/mortgage-companies) - πŸ† **#10** in Provo for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#10** in Greeley, CO Mortgage Companies - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/mortgage-companies) - πŸ† **#11** in Colorado Springs, CO for FHA Loans - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/fha-loans) - πŸ† **#11** in Provo for FHA Loans - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/fha-loans) - πŸ† **#12** in Colorado for FHA Loans - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/fha-loans) - πŸ† **#13** in Colorado Springs, CO for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#13** in Greeley, CO for FHA Loans - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/fha-loans) - πŸ† **#14** in Utah Mortgage Companies - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/mortgage-companies) - πŸ† **#14** in Utah for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#15** in Colorado Springs, CO - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders) - πŸ† **#16** in Colorado for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#16** in Denver Mortgage Companies - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/mortgage-companies) - πŸ† **#16** in Greeley, CO - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders) ## Frequently Asked Questions ### What loan types does NEST HOME LENDING, LLC offer? NEST HOME LENDING, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does NEST HOME LENDING, LLC offer mortgages? NEST HOME LENDING, LLC offers mortgages in 3 states: AZ, CO, UT. ### How competitive are NEST HOME LENDING, LLC's mortgage rates? NEST HOME LENDING, LLC has a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.301% below market average. ### What type of lender is NEST HOME LENDING, LLC? NEST HOME LENDING, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE. ### What is NEST HOME LENDING, LLC's loan approval success rate? NEST HOME LENDING, 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. --- ## 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/nest-home-lending ### How to Cite > "NEST HOME LENDING, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nest-home-lending --- **[View Interactive Profile β†’](https://saferate.com/lenders/nest-home-lending)**