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•Direct to Consumer

We analyzed every closed loan from Nations Reliable Lending — 3.4k loans across 5k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Strong

closing strength

Products

Exceptional

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

Near-National · 33 mkts

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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 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, LLC performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +53.5 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Exceptional	Market Leader Top 20% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Sound	Industry Standard Top 60% of lenders
USDA	Exceptional	Market Leader Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National34 markets

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	Sound	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

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

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

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%of portfolio

Place

Exceptional

Cincinnati, OHMSA

Volume: 287Mix: 8.39%of portfolio

Place

Exceptional

Beaumont, TXMSA

Volume: 71Mix: 2.07%of portfolio

Place

Strong

Odessa, TX, TXMSA

Volume: 52Mix: 1.52%of portfolio

Place

Strong

Amarillo, TX, TXMSA

Volume: 91Mix: 2.66%of portfolio

Place

Strong

Brownsville, TXMSA

Volume: 37Mix: 1.08%of portfolio

Place

Strong

Dallas, TXMSA

Volume: 155Mix: 4.53%of portfolio

Place

Strong

McAllen, TXMSA

Volume: 57Mix: 1.67%of portfolio

Place

Strong

San Angelo, TX, TXMSA

Volume: 35Mix: 1.02%of portfolio

Place

Strong

Salt Lake City, UTMSA

Volume: 68Mix: 1.99%of portfolio

Place

Strong

Showing 10 of 33 metro areas

Top States by Place Specialization Score

TXState

Volume: 2,241Mix: 65.49%of portfolio

Place

Exceptional

OHState

Volume: 284Mix: 8.30%of portfolio

Place

Strong

UTState

Volume: 130Mix: 3.80%of portfolio

Place

Strong

INState

Volume: 160Mix: 4.68%of portfolio

Place

Strong

WIState

Volume: 82Mix: 2.40%of portfolio

Place

Sound

MAState

Volume: 82Mix: 2.40%of portfolio

Place

Sound

GAState

Volume: 89Mix: 2.60%of portfolio

Place

Sound

KYState

Volume: 46Mix: 1.34%of portfolio

Place

Sound

ILState

Volume: 60Mix: 1.75%of portfolio

Place

Sound

LAState

Volume: 34Mix: 0.99%of portfolio

Place

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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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.