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NEXERA HOLDING LLC
Independent Mortgage Company|DOVER, DE|National
Loans Originated
2,469
Applications
4,129
Volume
$1 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.913%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,621
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
59.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 91 basis points above market average
- Higher than average fees ($4,621)
Report Card
NEXERA HOLDING LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 50 metro areas · 43 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$663,748
Average Borrower Income
$571,490
Average Property Value
$961,217
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Strong | Mediocre | Sound | 1,826 | 74.0% | +1.036% | $5,323 |
FHA Loans | Sound | Sound | Exceptional | Acceptable | 74 | 3.0% | -0.116% | $1,304 |
Jumbo Loans | Acceptable | Exceptional | Mediocre | Sound | 567 | 23.0% | +0.934% | $3,611 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 1,796 | 72.7% | +1.052% | $5,147 |
Refinance | Sound | Strong | Acceptable | Sound | 673 | 27.3% | +0.596% | $3,428 |
Geographic Coverage
Metro Areas
49
States Served
43
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDEFLGAHIIAIDILINKSKYLAMDMEMIMNMOMSMTNCNENJNMNVOHOKORPARISCTNTXUTVAWAWIWY
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 182Mix: 7.37%
Place Specialization
Strong
2
Miami, FLMSA
Volume: 85Mix: 3.44%
Place Specialization
Strong
3
Anaheim, CAMSA
Volume: 71Mix: 2.88%
Place Specialization
Strong
4
Austin, TXMSA
Volume: 71Mix: 2.88%
Place Specialization
Strong
5
Fort Lauderdale, FLMSA
Volume: 70Mix: 2.84%
Place Specialization
Strong
6
Houston, TXMSA
Volume: 98Mix: 3.97%
Place Specialization
Strong
7
Phoenix, AZMSA
Volume: 98Mix: 3.97%
Place Specialization
Strong
8
San Diego, CAMSA
Volume: 66Mix: 2.67%
Place Specialization
Sound
9
Riverside, CAMSA
Volume: 76Mix: 3.08%
Place Specialization
Sound
10
Oakland, CAMSA
Volume: 51Mix: 2.07%
Place Specialization
Sound
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 695Mix: 28.15%
Place Specialization
Strong
2
FLState
Volume: 400Mix: 16.20%
Place Specialization
Strong
3
TXState
Volume: 321Mix: 13.00%
Place Specialization
Strong
4
AZState
Volume: 116Mix: 4.70%
Place Specialization
Strong
5
HIState
Volume: 47Mix: 1.90%
Place Specialization
Strong
6
WAState
Volume: 73Mix: 2.96%
Place Specialization
Sound
7
COState
Volume: 81Mix: 3.28%
Place Specialization
Sound
8
ILState
Volume: 83Mix: 3.36%
Place Specialization
Sound
9
ORState
Volume: 51Mix: 2.07%
Place Specialization
Sound
10
NVState
Volume: 44Mix: 1.78%
Place Specialization
Sound
Showing 10 of 26 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)
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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