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Nations Lending Corporation
Independent Mortgage Company|Columbus, OH|National
Loans Originated
5,304
Applications
6,727
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Jumbo Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.427%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,846
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
78.8%
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 and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
Nations Lending Corporation performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | National · 50 metro areas · 48 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$317,998
Average Borrower Income
$121,421
Average Property Value
$402,336
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Acceptable | Exceptional | 3,001 | 56.6% | +0.381% | $2,666 |
FHA Loans | Strong | Exceptional | Acceptable | Exceptional | 1,629 | 30.7% | +0.818% | $3,316 |
VA Loans | Sound | Exceptional | Mediocre | Exceptional | 530 | 10.0% | -0.028% | $3,647 |
Jumbo Loans | Strong | Strong | Strong | Strong | 47 | 0.9% | +0.328% | $1,314 |
USDA Loans | Strong | Exceptional | N/A | Strong | 97 | 1.8% | +0.662% | $1,427 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Acceptable | Exceptional | 4,189 | 79.0% | +0.445% | $2,677 |
Refinance | Sound | Strong | Acceptable | Strong | 1,115 | 21.0% | +0.345% | $3,619 |
Geographic Coverage
Metro Areas
49
States Served
48
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKALARAZCACOCTDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNHNJNMNVNYOHOKORPARISCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Grants Pass, OR, ORMSA
Volume: 106Mix: 2.00%
Place Specialization
Exceptional
2
Santa Fe, NM, NMMSA
Volume: 73Mix: 1.38%
Place Specialization
Exceptional
3
Green Bay, WI, WIMSA
Volume: 111Mix: 2.09%
Place Specialization
Strong
4
Phoenix, AZMSA
Volume: 438Mix: 8.26%
Place Specialization
Strong
5
Medford, OR, ORMSA
Volume: 88Mix: 1.66%
Place Specialization
Strong
6
Grand Forks, ND, ND-MNMSA
Volume: 47Mix: 0.89%
Place Specialization
Strong
7
Memphis, TNMSA
Volume: 184Mix: 3.47%
Place Specialization
Strong
8
St. Louis, MO, MO-ILMSA
Volume: 207Mix: 3.90%
Place Specialization
Strong
9
Cleveland, OH, OHMSA
Volume: 189Mix: 3.56%
Place Specialization
Strong
10
Akron, OH, OHMSA
Volume: 91Mix: 1.72%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
WIState
Volume: 626Mix: 11.80%
Place Specialization
Exceptional
2
AZState
Volume: 519Mix: 9.79%
Place Specialization
Strong
3
OHState
Volume: 512Mix: 9.65%
Place Specialization
Strong
4
ORState
Volume: 222Mix: 4.19%
Place Specialization
Strong
5
MSState
Volume: 191Mix: 3.60%
Place Specialization
Strong
6
NJState
Volume: 225Mix: 4.24%
Place Specialization
Strong
7
TXState
Volume: 483Mix: 9.11%
Place Specialization
Strong
8
NVState
Volume: 153Mix: 2.88%
Place Specialization
Strong
9
MOState
Volume: 224Mix: 4.22%
Place Specialization
Strong
10
NMState
Volume: 107Mix: 2.02%
Place Specialization
Strong
Showing 10 of 39 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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