What loan types does Nations Direct Mortgage offer?

Nations Direct Mortgage offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does Nations Direct Mortgage offer mortgages?

Nations Direct Mortgage offers mortgages in 36 states: AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MT, NC, NH, NJ, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI.

How competitive are Nations Direct Mortgage's mortgage rates?

Nations Direct Mortgage has an overall pricing score of 37.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Nations Direct Mortgage?

Nations Direct Mortgage is a Independent Mortgage Company headquartered in Sacramento, CA.

Unclaimed

Nations Direct Mortgage

Independent Mortgage Company•Sacramento, CAHQ•Wholesale•Reviews near you on Google

We analyzed every closed loan from Nations Direct Mortgage — 4.4k loans across 6k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo

Place

Sound

3/5

Near-National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Refinance

Superstar

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 performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+30.7 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 50 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Acceptable	Strong	2,878	65.1%	+0.295%Above	$2,506Fees
FHA Loans	Strong	Exceptional	Sound	Strong	1,024	23.2%	+0.517%Above	$3,001Fees
VA Loans	Strong	Exceptional	Acceptable	Strong	432	9.8%	-0.209%Below	$2,932Fees
Jumbo Loans	Sound	Strong	Mediocre	Sound	85	1.9%	+0.953%Above	$2,930Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume2,878

Mix65.1%

Spread

+0.295%Above

Fees

$2,506Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume1,024

Mix23.2%

Spread

+0.517%Above

Fees

$3,001Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume432

Mix9.8%

Spread

-0.209%Below

Fees

$2,932Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume85

Mix1.9%

Spread

+0.953%Above

Fees

$2,930Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	3,738	84.6%	+0.315%Above	$2,703Fees
Refinance	Strong	Strong	Acceptable	Strong	681	15.4%	+0.267%Above	$2,463Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume3,738

Mix84.6%

Spread

+0.315%Above

Fees

$2,703Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume681

Mix15.4%

Spread

+0.267%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast7

CTMEMANHNJPARI

Midwest6

ILINMIMNOHWI

South14

ALDCDEFLGAKYLAMDNCOKSCTNTXVA

West9

AZCACOIDMTNVORUTWA

Top Metro Areas by Place Specialization Score

1© Seasider53 · CC BY 4.0

Portland, OR-WAMetro

Volume 939Mix 21.25% of portfolio

92/100

Exceptional

2© No machine-readable author provided. Owen assumed · Public domain

Salem, ORMetro

Volume 162Mix 3.67% of portfolio

89/100

Exceptional

3© Ian Poellet · CC BY-SA 3.0

Bend, ORMetro

Volume 77Mix 1.74% of portfolio

80/100

Exceptional

4© Dough4872 · Public domain

Montgomery County, PAMetro

Volume 183Mix 4.14% of portfolio

78/100

Strong

Los Angeles, CAMetro

Volume 236Mix 5.34% of portfolio

72/100

Strong

Cambridge, MAMetro

Volume 135Mix 3.05% of portfolio

69/100

Strong

Longview, WAMetro

Volume 36Mix 0.81% of portfolio

69/100

Strong

Arlington, VA-WVMetro

Volume 144Mix 3.26% of portfolio

68/100

Strong

Riverside, CAMetro

Volume 148Mix 3.35% of portfolio

66/100

Strong

Philadelphia, PAMetro

Volume 79Mix 1.79% of portfolio

65/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

OregonState

Volume 1,166Mix 26.39% of portfolio

93/100

Exceptional

WashingtonState

Volume 335Mix 7.58% of portfolio

75/100

Strong

PennsylvaniaState

Volume 406Mix 9.19% of portfolio

74/100

Strong

CaliforniaState

Volume 642Mix 14.53% of portfolio

72/100

Strong

MassachusettsState

Volume 245Mix 5.54% of portfolio

70/100

Strong

New JerseyState

Volume 195Mix 4.41% of portfolio

69/100

Strong

VirginiaState

Volume 187Mix 4.23% of portfolio

67/100

Strong

ConnecticutState

Volume 82Mix 1.86% of portfolio

60/100

Strong

FloridaState

Volume 198Mix 4.48% of portfolio

60/100

Sound

OhioState

Volume 122Mix 2.76% of portfolio

59/100

Sound

Showing 10 of 31 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.