What loan types does NATIONS RELIABLE LENDING, LLC offer?

NATIONS RELIABLE LENDING, LLC 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, LLC offer mortgages?

NATIONS RELIABLE LENDING, LLC 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, LLC's mortgage rates?

NATIONS RELIABLE LENDING, LLC 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, LLC?

NATIONS RELIABLE LENDING, LLC is a Independent Mortgage Company headquartered in WILMINGTON, DE.

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NATIONS RELIABLE LENDING, LLC

Independent Mortgage Company|WILMINGTON, DE|Near-National

Loans Originated

3,422

Applications

5,164

Volume

$1 billion

Offers loans directly to consumersSources loans from independent brokers

Overall Pricing

Mediocre

Overall Pull Through

Strong

Pricing and Pullthrough Overview

Average Rate Spread

+0.535%

The average of the lender's APR minus the market's average APR (APOR)

Average Net Fees

$3,930

Borrower paid Origination Charges - Lender Credits

Pullthrough Rate

66.3%

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 USDA loans
Nationwide availability with consistent service

Things to Think About

Rates typically 54 basis points above market average

Report Card

NATIONS RELIABLE LENDING, LLC performance at a glance

Category	Grade	Details
Pricing Rate competitiveness	Mediocre	Below peers
Pull Through Closing Strength	Strong	Highly Competitive
Products Loan Type Specialists		Specialization score by loan product
Conventional	Strong	Highly Competitive
FHA	Exceptional	Market Leader
VA	Strong	Highly Competitive
Jumbo	Sound	Industry Standard
USDA	Exceptional	Market Leader
Purpose Reason specialization		Specialization score by loan purpose
Purchase	Strong	Highly Competitive
Refinance	Strong	Highly Competitive
Places Geographic coverage	Sound	Near-National · 34 metro areas · 37 states

Rating Scale:

Exceptional (80-100)

Strong (60-79)

Sound (40-59)

Acceptable (20-39)

Mediocre (0-19)

Typical Borrower Profile

Average Loan Amount

$309,608

Average Borrower Income

$133,587

Average Property Value

$363,518

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%	$3,836
FHA Loans	Sound	Exceptional	Mediocre	Strong	1,450	42.4%	+0.799%	$4,184
VA Loans	Sound	Strong	Acceptable	Strong	257	7.5%	-0.208%	$3,231
Jumbo Loans	Acceptable	Sound	N/A	Mediocre	22	0.6%	+0.451%	$4,497
USDA Loans	Strong	Exceptional	N/A	Strong	37	1.1%	+0.458%	$2,162

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%	$3,927
Refinance	Acceptable	Strong	Mediocre	Acceptable	239	7.0%	+0.407%	$3,976

Geographic Coverage

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARAZCACOCTFLGAIAIDILINKSKYLAMAMDMEMIMNMONENHNMOHOKORPARISCTNTXUTVAWAWIWY

Top Metro Areas by Place Specialization Score

Houston, TXMSA

Volume: 1,436Mix: 41.96%

Place Specialization

Exceptional

Cincinnati, OHMSA

Volume: 287Mix: 8.39%

Place Specialization

Exceptional

Beaumont, TXMSA

Volume: 71Mix: 2.07%

Place Specialization

Strong

Odessa, TX, TXMSA

Volume: 52Mix: 1.52%

Place Specialization

Strong

Amarillo, TX, TXMSA

Volume: 91Mix: 2.66%

Place Specialization

Strong

Brownsville, TXMSA

Volume: 37Mix: 1.08%

Place Specialization

Strong

Dallas, TXMSA

Volume: 155Mix: 4.53%

Place Specialization

Strong

McAllen, TXMSA

Volume: 57Mix: 1.67%

Place Specialization

Strong

San Angelo, TX, TXMSA

Volume: 35Mix: 1.02%

Place Specialization

Strong

Salt Lake City, UTMSA

Volume: 68Mix: 1.99%

Place Specialization

Strong

Showing 10 of 33 metro areas

Top States by Place Specialization Score

TXState

Volume: 2,241Mix: 65.49%

Place Specialization

Exceptional

OHState

Volume: 284Mix: 8.30%

Place Specialization

Strong

UTState

Volume: 130Mix: 3.80%

Place Specialization

Strong

INState

Volume: 160Mix: 4.68%

Place Specialization

Strong

WIState

Volume: 82Mix: 2.40%

Place Specialization

Sound

MAState

Volume: 82Mix: 2.40%

Place Specialization

Sound

GAState

Volume: 89Mix: 2.60%

Place Specialization

Sound

KYState

Volume: 46Mix: 1.34%

Place Specialization

Sound

ILState

Volume: 60Mix: 1.75%

Place Specialization

Sound

LAState

Volume: 34Mix: 0.99%

Place Specialization

Sound

Showing 10 of 19 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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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