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NATIONS DIRECT MORTGAGE, LLC
Independent Mortgage Company|Sacramento, CA|Near-National
Loans Originated
4,419
Applications
6,092
Volume
$2 billion
Sources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.307%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,665
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
NATIONS DIRECT MORTGAGE, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 50 metro areas · 36 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$456,482
Average Borrower Income
$182,983
Average Property Value
$591,309
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 2,878 | 65.1% | +0.295% | $2,506 |
FHA Loans | Strong | Exceptional | Sound | Strong | 1,024 | 23.2% | +0.517% | $3,001 |
VA Loans | Sound | Exceptional | Acceptable | Strong | 432 | 9.8% | -0.209% | $2,932 |
Jumbo Loans | Acceptable | Strong | Mediocre | Sound | 85 | 1.9% | +0.953% | $2,930 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 3,738 | 84.6% | +0.315% | $2,703 |
Refinance | Sound | Strong | Acceptable | Strong | 681 | 15.4% | +0.267% | $2,463 |
Geographic Coverage
Metro Areas
49
States Served
36
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOCTDCDEFLGAIDILINKYLAMAMDMEMIMNMTNCNHNJNVOHOKORPARISCTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Portland, OR-WAMSA
Volume: 939Mix: 21.25%
Place Specialization
Exceptional
2
Salem, OR, ORMSA
Volume: 162Mix: 3.67%
Place Specialization
Exceptional
3
Bend, OR, ORMSA
Volume: 77Mix: 1.74%
Place Specialization
Exceptional
4
Montgomery County, PAMSA
Volume: 183Mix: 4.14%
Place Specialization
Strong
5
Los Angeles, CAMSA
Volume: 236Mix: 5.34%
Place Specialization
Strong
6
Cambridge, MAMSA
Volume: 135Mix: 3.05%
Place Specialization
Strong
7
Longview, WAMSA
Volume: 36Mix: 0.81%
Place Specialization
Strong
8
Arlington, VA-WVMSA
Volume: 144Mix: 3.26%
Place Specialization
Strong
9
Riverside, CAMSA
Volume: 148Mix: 3.35%
Place Specialization
Strong
10
Philadelphia, PA, PAMSA
Volume: 79Mix: 1.79%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
ORState
Volume: 1,166Mix: 26.39%
Place Specialization
Exceptional
2
WAState
Volume: 335Mix: 7.58%
Place Specialization
Strong
3
PAState
Volume: 406Mix: 9.19%
Place Specialization
Strong
4
CAState
Volume: 642Mix: 14.53%
Place Specialization
Strong
5
MAState
Volume: 245Mix: 5.54%
Place Specialization
Strong
6
NJState
Volume: 195Mix: 4.41%
Place Specialization
Strong
7
VAState
Volume: 187Mix: 4.23%
Place Specialization
Strong
8
CTState
Volume: 82Mix: 1.86%
Place Specialization
Strong
9
FLState
Volume: 198Mix: 4.48%
Place Specialization
Sound
10
OHState
Volume: 122Mix: 2.76%
Place Specialization
Sound
Showing 10 of 31 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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