# NEST HOME LENDING, LLC

> **Canonical URL:** https://saferate.com/lenders/nest-home-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

NEST HOME LENDING, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 3 states, with 653 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 52% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493002OVIWOKVJME308
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AZ, CO, UT
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 95.8%
- **Brokered/Wholesale:** 4.2%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.301%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,497
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 653
- **Dollar Volume:** $261 million
- **Applications Received:** 811
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $399,962
- **Average Borrower Income:** $125,515

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 286 | -0.335% | $4,474 | Sound ☺️ |
| FHA | 74/100 | 279 | -0.134% | $5,198 | Strong 😀 |
| VA | 70/100 | 86 | -1.097% | $656 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 283 loans, Score: 55/100 (Sound)

**FHA:**
- Purchase: 278 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 86 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 649 | $259M | -0.316% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CO | 433 | 0.52% | 81/100 |
| UT | 128 | 0.28% | 69/100 |
| AZ | 92 | 0.09% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Denver | CO | 246 | 78/100 |
| Colorado Springs, CO | CO | 128 | 76/100 |
| Provo | UT | 103 | 74/100 |
| Phoenix | AZ | 92 | 64/100 |
| Greeley, CO | CO | 43 | 67/100 |
| Salt Lake City | UT | 25 | 53/100 |
| Fort Collins | CO | 12 | 45/100 |

## Frequently Asked Questions

### What loan types does NEST HOME LENDING, LLC offer?

NEST HOME LENDING, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NEST HOME LENDING, LLC offer mortgages?

NEST HOME LENDING, LLC offers mortgages in 3 states: AZ, CO, UT.

### How competitive are NEST HOME LENDING, LLC's mortgage rates?

NEST HOME LENDING, LLC has a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.301% below market average.

### What type of lender is NEST HOME LENDING, LLC?

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

### What is NEST HOME LENDING, LLC's loan approval success rate?

NEST HOME LENDING, LLC has a pull-through score of 74/100 (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/nest-home-lending

### How to Cite

> "NEST HOME LENDING, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nest-home-lending

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