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NEST HOME LENDING, LLC
Independent Mortgage Company|WILMINGTON, DE|Regional
Loans Originated
653
Applications
811
Volume
$261 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.301%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,497
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
80.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
Report Card
NEST HOME LENDING, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Regional · 7 metro areas · 3 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$399,962
Average Borrower Income
$125,515
Average Property Value
$460,023
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Sound | 286 | 43.8% | -0.335% | $4,474 |
FHA Loans | Strong | Strong | Sound | Exceptional | 279 | 42.7% | -0.134% | $5,198 |
VA Loans | Strong | Strong | N/A | Exceptional | 86 | 13.2% | -1.097% | $656 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 649 | 99.4% | -0.316% | $4,491 |
Geographic Coverage
Metro Areas
7
States Served
3
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCOUT
Top Metro Areas by Place Specialization Score
1
Denver, COMSA
Volume: 246Mix: 37.67%
Place Specialization
Strong
2
Colorado Springs, CO, COMSA
Volume: 128Mix: 19.60%
Place Specialization
Strong
3
Provo, UTMSA
Volume: 103Mix: 15.77%
Place Specialization
Strong
4
Greeley, CO, COMSA
Volume: 43Mix: 6.58%
Place Specialization
Strong
5
Phoenix, AZMSA
Volume: 92Mix: 14.09%
Place Specialization
Strong
6
Salt Lake City, UTMSA
Volume: 25Mix: 3.83%
Place Specialization
Sound
7
Fort Collins, COMSA
Volume: 12Mix: 1.84%
Place Specialization
Sound
Top States by Place Specialization Score
1
COState
Volume: 433Mix: 66.31%
Place Specialization
Exceptional
2
UTState
Volume: 128Mix: 19.60%
Place Specialization
Strong
3
AZState
Volume: 92Mix: 14.09%
Place Specialization
Strong
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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