# NATIONS RELIABLE LENDING, LLC

> **Canonical URL:** https://saferate.com/lenders/nations-reliable-lending

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

NATIONS RELIABLE LENDING, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 37 states, with 3,422 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 81% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300JKR164SLNO6Y85
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Near-National
- **States Served:** 37
- **State List:** 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
- **Markets (MSAs):** 34
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.9%
- **Brokered/Wholesale:** 0.1%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 19/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.535%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,930
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,422
- **Dollar Volume:** $1.1 billion
- **Applications Received:** 5,164
- **Market Share:** 10.00%

## Typical Borrower Profile

- **Average Loan Amount:** $309,608
- **Average Borrower Income:** $133,587

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 1,656 | +0.425% | $3,836 | Strong 😀 |
| FHA | 85/100 | 1,450 | +0.799% | $4,184 | Exceptional 🤩 |
| VA | 79/100 | 257 | -0.208% | $3,231 | Strong 😀 |
| Jumbo | 47/100 | 22 | +0.451% | $4,497 | Sound ☺️ |
| USDA | 80/100 | 37 | +0.458% | $2,162 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,466 loans, Score: 72/100 (Strong)
- Refinance: 190 loans, Score: 62/100 (Strong)

**FHA:**
- Purchase: 1,408 loans, Score: 85/100 (Exceptional)
- Refinance: 42 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 256 loans, Score: 78/100 (Strong)

**USDA:**
- Purchase: 37 loans, Score: 80/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 79/100 | 3,183 | $990M | +0.543% | Strong 😀 |
| Refinance | 63/100 | 239 | $69M | +0.407% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 2,241 | 0.64% | 88/100 |
| OH | 284 | 0.21% | 69/100 |
| IN | 160 | 0.18% | 64/100 |
| UT | 130 | 0.29% | 64/100 |
| GA | 89 | 0.06% | 57/100 |
| MA | 82 | 0.14% | 58/100 |
| WI | 82 | 0.12% | 59/100 |
| IL | 60 | 0.05% | 53/100 |
| KY | 46 | 0.10% | 54/100 |
| FL | 42 | 0.01% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 1,436 | 92/100 |
| Cincinnati, OH |  | 287 | 81/100 |
| Non |  | 244 | 59/100 |
| Dallas | TX | 155 | 67/100 |
| Amarillo, TX | TX | 91 | 69/100 |
| Beaumont | TX | 71 | 77/100 |
| Salt Lake City | UT | 68 | 62/100 |
| Atlanta | GA | 64 | 56/100 |
| Dayton | OH | 58 | 60/100 |
| McAllen | TX | 57 | 67/100 |
| Odessa, TX | TX | 52 | 72/100 |
| Chicago | IL | 51 | 53/100 |
| Fort Worth | TX | 51 | 57/100 |
| Brownsville | TX | 37 | 67/100 |
| Milwaukee | WI | 36 | 53/100 |

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 19/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.535% above market average.

### What type of lender is NATIONS RELIABLE LENDING, LLC?

NATIONS RELIABLE LENDING, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is NATIONS RELIABLE LENDING, LLC's loan approval success rate?

NATIONS RELIABLE LENDING, LLC has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/nations-reliable-lending

### How to Cite

> "NATIONS RELIABLE LENDING, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nations-reliable-lending

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