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Nest Home Lending

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

We analyzed every closed loan from Nest Home Lending — 653 loans across 811 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 7 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA loans

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Report Card

Nest Home Lending performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 30.1 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 7 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume286
Mix43.8%
Spread
-0.335%Below
Fees
$4,474Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume279
Mix42.7%
Spread
-0.134%Below
Fees
$5,198Fees
VA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Exceptional
Volume86
Mix13.2%
Spread
-1.097%Below
Fees
$656Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume649
Mix99.4%
Spread
-0.316%Below
Fees
$4,491Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
653
Applications
811
Volume
$261 million
Pricing & Closing
Avg Rate Spread
-0.301%
vs. market APOR
Avg Net Fees
$4,497
Origination − Credits
Pullthrough Rate
80.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$399,962
Avg Borrower Income
$125,515
Avg Property Value
$460,023

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West3
AZCOUT

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0
Denver, COMetro
Volume 246Mix 37.67% of portfolio
78/100
Strong
2© Xnatedawgx · CC BY-SA 4.0
Colorado Springs, COMetro
Volume 128Mix 19.60% of portfolio
76/100
Strong
3© Benjam63 · CC BY-SA 4.0
Provo, UTMetro
Volume 103Mix 15.77% of portfolio
74/100
Strong
4© Jeffrey Beall · CC BY-SA 3.0
Greeley, COMetro
Volume 43Mix 6.58% of portfolio
67/100
Strong
5© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 92Mix 14.09% of portfolio
64/100
Strong
6© Garrett from Salt Lake City · CC BY 2.0
Salt Lake City, UTMetro
Volume 25Mix 3.83% of portfolio
53/100
Sound
7© olekinderhook · CC BY 3.0
Fort Collins, COMetro
Volume 12Mix 1.84% of portfolio
45/100
Sound

Top States by Place Specialization Score

Colorado
Colorado
1
ColoradoState
Volume 433Mix 66.31% of portfolio
81/100
Exceptional
Utah
Utah
2
UtahState
Volume 128Mix 19.60% of portfolio
69/100
Strong
Arizona
Arizona
3
ArizonaState
Volume 92Mix 14.09% of portfolio
63/100
Strong

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.