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We analyzed every closed loan from Nations Lending — 5.3k loans across 7k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
National · 49 mkts
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Jumbo Superstar⭐Purchase 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 and USDA 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 Lending Corporation performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +42.7 bps above market avg | |
Pull Through Closing strength | Market Leader Top 10% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Market Leader Top 20% 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 | Highly Competitive Top 40% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,001 | 56.6% | +0.381%Above | $2,666Fees | ||||
FHA Loans | 1,629 | 30.7% | +0.818%Above | $3,316Fees | ||||
VA Loans | 530 | 10.0% | -0.028%Below | $3,647Fees | ||||
Jumbo Loans | 47 | 0.9% | +0.328%Above | $1,314Fees | ||||
USDA Loans | — | 97 | 1.8% | +0.662%Above | $1,427Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,189 | 79.0% | +0.445%Above | $2,677Fees | ||||
Refinance | 1,115 | 21.0% | +0.345%Above | $3,619Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
5,304
Applications
6,727
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.427%
vs. market APOR
Avg Net Fees
$2,846
Origination − Credits
Pullthrough Rate
78.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$317,998
Avg Borrower Income
$121,421
Avg Property Value
$402,336
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
48
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNHNJNMNVNYOHOKORPARISCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Grants Pass, OR, ORMSA
Volume: 106Mix: 2.00%of portfolio
Place
Exceptional2
Santa Fe, NM, NMMSA
Volume: 73Mix: 1.38%of portfolio
Place
Exceptional3
Green Bay, WI, WIMSA
Volume: 111Mix: 2.09%of portfolio
Place
Strong4
Phoenix, AZMSA
Volume: 438Mix: 8.26%of portfolio
Place
Strong5
Medford, OR, ORMSA
Volume: 88Mix: 1.66%of portfolio
Place
Strong6
Grand Forks, ND, ND-MNMSA
Volume: 47Mix: 0.89%of portfolio
Place
Strong7
Memphis, TNMSA
Volume: 184Mix: 3.47%of portfolio
Place
Strong8
St. Louis, MO, MO-ILMSA
Volume: 207Mix: 3.90%of portfolio
Place
Strong9
Cleveland, OH, OHMSA
Volume: 189Mix: 3.56%of portfolio
Place
Strong10
Akron, OH, OHMSA
Volume: 91Mix: 1.72%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
WIState
Volume: 626Mix: 11.80%of portfolio
Place
Exceptional2
AZState
Volume: 519Mix: 9.79%of portfolio
Place
Strong3
OHState
Volume: 512Mix: 9.65%of portfolio
Place
Strong4
ORState
Volume: 222Mix: 4.19%of portfolio
Place
Strong5
MSState
Volume: 191Mix: 3.60%of portfolio
Place
Strong6
NJState
Volume: 225Mix: 4.24%of portfolio
Place
Strong7
TXState
Volume: 483Mix: 9.11%of portfolio
Place
Strong8
NVState
Volume: 153Mix: 2.88%of portfolio
Place
Strong9
MOState
Volume: 224Mix: 4.22%of portfolio
Place
Strong10
NMState
Volume: 107Mix: 2.02%of portfolio
Place
StrongShowing 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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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.