What loan types does Nations Reliable Lending offer?

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

Where does Nations Reliable Lending offer mortgages?

Nations Reliable Lending offers mortgages in 37 states: AL, AR, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NE, NH, NM, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WY.

How competitive are Nations Reliable Lending's mortgage rates?

Nations Reliable Lending has an overall pricing score of 18.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Nations Reliable Lending?

Nations Reliable Lending is a Independent Mortgage Company headquartered in WILMINGTON, DE.

Unclaimed

Nations Reliable Lending

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Nations Reliable Lending — 3.4k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

Near-National · 33 mkts

Awards

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and USDA loans
Nationwide availability with consistent service

Things to Think About

Rates typically 54 basis points above market average

Explore another lender or local market

Report Card

Nations Reliable Lending performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+53.5 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

Strong

Top 40% of lenders

Jumbo

Sound

Top 60% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 34 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	Sound	Strong	Acceptable	Sound	1,656	48.4%	+0.425%Above	$3,836Fees
FHA Loans	Sound	Exceptional	Mediocre	Strong	1,450	42.4%	+0.799%Above	$4,184Fees
VA Loans	Strong	Strong	Acceptable	Strong	257	7.5%	-0.208%Below	$3,231Fees
Jumbo Loans	Acceptable	Sound	—	Mediocre	22	0.6%	+0.451%Above	$4,497Fees
USDA Loans	Strong	Exceptional	—	Strong	37	1.1%	+0.458%Above	$2,162Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume1,656

Mix48.4%

Spread

+0.425%Above

Fees

$3,836Fees

FHA Loans

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume1,450

Mix42.4%

Spread

+0.799%Above

Fees

$4,184Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume257

Mix7.5%

Spread

-0.208%Below

Fees

$3,231Fees

Jumbo Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Mediocre

Volume22

Mix0.6%

Spread

+0.451%Above

Fees

$4,497Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing—

Pull Through

Strong

Volume37

Mix1.1%

Spread

+0.458%Above

Fees

$2,162Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Mediocre	Strong	3,183	93.0%	+0.543%Above	$3,927Fees
Refinance	Acceptable	Strong	Mediocre	Acceptable	239	7.0%	+0.407%Above	$3,976Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume3,183

Mix93.0%

Spread

+0.543%Above

Fees

$3,927Fees

Refinance

Overall

Acceptable

Product

Strong

Pricing

Mediocre

Pull Through

Acceptable

Volume239

Mix7.0%

Spread

+0.407%Above

Fees

$3,976Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

3,422

Applications

5,164

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.535%

vs. market APOR

Avg Net Fees

$3,930

Origination − Credits

Pullthrough Rate

66.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$309,608

Avg Borrower Income

$133,587

Avg Property Value

$363,518

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

Northeast6

CTMEMANHPARI

Midwest10

IAILINKSMIMNMONEOHWI

South12

ALARFLGAKYLAMDOKSCTNTXVA

West9

AZCACOIDNMORUTWAWY

Top Metro Areas by Place Specialization Score

1© David Daniel Turner · CC BY 4.0

Houston, TXMetro

Volume 1,436Mix 41.96% of portfolio

92/100

Exceptional

2© Warren LeMay from Cincinnati, OH, United States · CC0

Cincinnati, OHMetro

Volume 287Mix 8.39% of portfolio

81/100

Exceptional

3© JJonahJackalope · CC BY-SA 4.0

Beaumont, TXMetro

Volume 71Mix 2.07% of portfolio

77/100

Strong

4© Vasiliymeshko · CC BY 4.0

Odessa, TXMetro

Volume 52Mix 1.52% of portfolio

72/100

Strong

Amarillo, TXMetro

Volume 91Mix 2.66% of portfolio

69/100

Strong

Brownsville, TXMetro

Volume 37Mix 1.08% of portfolio

67/100

Strong

Dallas, TXMetro

Volume 155Mix 4.53% of portfolio

67/100

Strong

McAllen, TXMetro

Volume 57Mix 1.67% of portfolio

67/100

Strong

San Angelo, TXMetro

Volume 35Mix 1.02% of portfolio

63/100

Strong

Salt Lake City, UTMetro

Volume 68Mix 1.99% of portfolio

62/100

Strong

Showing 10 of 33 metro areas

Top States by Place Specialization Score

TexasState

Volume 2,241Mix 65.49% of portfolio

88/100

Exceptional

OhioState

Volume 284Mix 8.30% of portfolio

69/100

Strong

UtahState

Volume 130Mix 3.80% of portfolio

64/100

Strong

IndianaState

Volume 160Mix 4.68% of portfolio

64/100

Strong

WisconsinState

Volume 82Mix 2.40% of portfolio

59/100

Sound

MassachusettsState

Volume 82Mix 2.40% of portfolio

58/100

Sound

GeorgiaState

Volume 89Mix 2.60% of portfolio

57/100

Sound

KentuckyState

Volume 46Mix 1.34% of portfolio

54/100

Sound

IllinoisState

Volume 60Mix 1.75% of portfolio

53/100

Sound

LouisianaState

Volume 34Mix 0.99% of portfolio

50/100

Sound

Showing 10 of 19 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.