# NextMortgage, LLC

> **Canonical URL:** https://saferate.com/lenders/nextmortgage


> **📋 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


NextMortgage, LLC is a independent mortgage company, headquartered in Sacramento, CA, serving borrowers across 13 states, with 422 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 83% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 60% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300JLXD89NGKXMS84
- **Headquarters:** Sacramento, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** CO, FL, LA, ME, MN, MS, NC, ND, SC, TN, TX, VA, WV
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 40/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.591%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,806
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 422
- **Dollar Volume:** $135 million
- **Applications Received:** 680
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $319,194
- **Average Borrower Income:** $124,754
- **Average Property Value:** $377,630

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 264 | +0.500% | $3,590 | Sound ☺️ |
| FHA | 72/100 | 121 | +0.972% | $4,788 | Strong 😀 |
| VA | 61/100 | 36 | +0.415% | $3,104 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 237 loans, Score: 55/100 (Sound)
- Refinance: 27 loans, Score: 30/100 (Acceptable)

**FHA:**
- Purchase: 120 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 36 loans, Score: 63/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 394 | $127M | +0.577% | Strong 😀 |
| Refinance | 31/100 | 28 | $8M | +0.761% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 153 | 0.05% | 65/100 |
| TX | 110 | 0.03% | 61/100 |
| ME | 45 | 0.29% | 61/100 |
| ND | 39 | 0.53% | 60/100 |
| NC | 35 | 0.02% | 51/100 |
| CO | 14 | 0.02% | 43/100 |
| SC | 11 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 97 | 66/100 |
| Deltona | FL | 92 | 80/100 |
| Non |  | 45 | 42/100 |
| Bangor, ME | ME | 34 | 66/100 |
| Orlando | FL | 34 | 56/100 |
| Charlotte | NC-SC | 27 | 53/100 |
| Bismarck, ND | ND | 13 | 48/100 |

## Where This Lender Ranks

NextMortgage, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Bismarck, ND for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in Bangor, ME for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#12** in Bangor, ME Mortgage Companies
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Bangor, ME for FHA Loans
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders/fha-loans)
- 🏆 **#15** in Bangor, ME for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in Bismarck, ND for Conventional Loans
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Bangor, ME
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does NextMortgage, LLC offer?

NextMortgage, 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 NextMortgage, LLC offer mortgages?

NextMortgage, LLC offers mortgages in 13 states: CO, FL, LA, ME, MN, MS, NC, ND, SC, TN, TX, VA, WV.

### How competitive are NextMortgage, LLC's mortgage rates?

NextMortgage, LLC has a pricing score of 17/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.591% above market average.

### What type of lender is NextMortgage, LLC?

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

### What is NextMortgage, LLC's loan approval success rate?

NextMortgage, LLC has a pull-through score of 40/100 (Sound). 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/nextmortgage

### How to Cite

> "NextMortgage, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nextmortgage

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