Nations Reliable Lending
We analyzed every closed loan from Nations Reliable Lending — 3.4k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Near-National · 33 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 54 basis points above market average
Explore another lender or local market
Report Card
Nations Reliable Lending performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+53.5 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,656 loans · 0.42% above market
Strong
Top 40% of lenders
4/5
FHA
1,450 loans · 0.80% above market
Exceptional
Top 20% of lenders
5/5
VA
257 loans · 0.21% below market
Strong
Top 40% of lenders
4/5
Jumbo
22 loans · 0.45% above market
Sound
Top 60% of lenders
3/5
USDA
37 loans · 0.46% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
3,183 loans · 0.54% above market
Strong
Top 40% of lenders
4/5
Refinance
239 loans · 0.41% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 34 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,656 | 48.4% | +0.425%Above | $3,836Fees | ||||
FHA Loans | 1,450 | 42.4% | +0.799%Above | $4,184Fees | ||||
VA Loans | 257 | 7.5% | -0.208%Below | $3,231Fees | ||||
Jumbo Loans | — | 22 | 0.6% | +0.451%Above | $4,497Fees | |||
USDA Loans | — | 37 | 1.1% | +0.458%Above | $2,162Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,656
Mix48.4%
Spread
+0.425%Above
Fees
$3,836Fees
FHA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume1,450
Mix42.4%
Spread
+0.799%Above
Fees
$4,184Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume257
Mix7.5%
Spread
-0.208%Below
Fees
$3,231Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughMediocre
Volume22
Mix0.6%
Spread
+0.451%Above
Fees
$4,497Fees
USDA Loans
OverallStrong
ProductExceptional
Pricing—
Pull ThroughStrong
Volume37
Mix1.1%
Spread
+0.458%Above
Fees
$2,162Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,183 | 93.0% | +0.543%Above | $3,927Fees | ||||
Refinance | 239 | 7.0% | +0.407%Above | $3,976Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume3,183
Mix93.0%
Spread
+0.543%Above
Fees
$3,927Fees
Refinance
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughAcceptable
Volume239
Mix7.0%
Spread
+0.407%Above
Fees
$3,976Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,422
Applications
5,164
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.535%
vs. market APOR
Avg Net Fees
$3,930
Origination − Credits
Pullthrough Rate
66.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$309,608
Avg Borrower Income
$133,587
Avg Property Value
$363,518
Geographic Coverage
Geographic Performance
Metro Areas
33
markets with activity
States Served
37
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
37Full-year 2024 · HMDALoans originated
< 1010–2020–5050–100100+None
Northeast6
CTMEMANHPARI
Midwest10
IAILINKSMIMNMONEOHWI
South12
ALARFLGAKYLAMDOKSCTNTXVA
West9
AZCACOIDNMORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 33 metro areas
Top States by Place Specialization Score
Showing 10 of 19 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.