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We analyzed every closed loan from Nations Direct Mortgage — 4.4k loans across 6k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Sound
Near-National · 49 mkts
Safe Rate Awards⭐FHA Superstar
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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
Explore another lender or local market
Report Card
Nations Direct Mortgage, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +30.7 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,878 | 65.1% | +0.295%Above | $2,506Fees | ||||
FHA Loans | 1,024 | 23.2% | +0.517%Above | $3,001Fees | ||||
VA Loans | 432 | 9.8% | -0.209%Below | $2,932Fees | ||||
Jumbo Loans | 85 | 1.9% | +0.953%Above | $2,930Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,738 | 84.6% | +0.315%Above | $2,703Fees | ||||
Refinance | 681 | 15.4% | +0.267%Above | $2,463Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,419
Applications
6,092
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
+0.307%
vs. market APOR
Avg Net Fees
$2,665
Origination − Credits
Pullthrough Rate
72.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$456,482
Avg Borrower Income
$182,983
Avg Property Value
$591,309
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
36
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALAZCACOCTDCDEFLGAIDILINKYLAMAMDMEMIMNMTNCNHNJNVOHOKORPARISCTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Portland, OR-WAMSA
Volume: 939Mix: 21.25%of portfolio
Place
Exceptional2
Salem, OR, ORMSA
Volume: 162Mix: 3.67%of portfolio
Place
Exceptional3
Bend, OR, ORMSA
Volume: 77Mix: 1.74%of portfolio
Place
Exceptional4
Montgomery County, PAMSA
Volume: 183Mix: 4.14%of portfolio
Place
Strong5
Los Angeles, CAMSA
Volume: 236Mix: 5.34%of portfolio
Place
Strong6
Cambridge, MAMSA
Volume: 135Mix: 3.05%of portfolio
Place
Strong7
Longview, WAMSA
Volume: 36Mix: 0.81%of portfolio
Place
Strong8
Arlington, VA-WVMSA
Volume: 144Mix: 3.26%of portfolio
Place
Strong9
Riverside, CAMSA
Volume: 148Mix: 3.35%of portfolio
Place
Strong10
Philadelphia, PA, PAMSA
Volume: 79Mix: 1.79%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
ORState
Volume: 1,166Mix: 26.39%of portfolio
Place
Exceptional2
WAState
Volume: 335Mix: 7.58%of portfolio
Place
Strong3
PAState
Volume: 406Mix: 9.19%of portfolio
Place
Strong4
CAState
Volume: 642Mix: 14.53%of portfolio
Place
Strong5
MAState
Volume: 245Mix: 5.54%of portfolio
Place
Strong6
NJState
Volume: 195Mix: 4.41%of portfolio
Place
Strong7
VAState
Volume: 187Mix: 4.23%of portfolio
Place
Strong8
CTState
Volume: 82Mix: 1.86%of portfolio
Place
Strong9
FLState
Volume: 198Mix: 4.48%of portfolio
Place
Sound10
OHState
Volume: 122Mix: 2.76%of portfolio
Place
SoundShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.