Nations Reliable Lending Mortgage Rates, Fees & Info
DOVER, DELEI: 549300JKR164SLNO6Y85
Tax ID: 20-5973457
2.3 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Nations Reliable Lending is a small mortgage company specializing in Home Purchase and Refi loans. Nations Reliable Lending has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Houston, Austin, Cincinnati, Dallas, and San Antonio among others. Nations Reliable Lending has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Nations Reliable Lending is typically a high fee lendor.Originations
10,094Origination Dollar Volume (All Markets)
$2,602,670,000Awards
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NATIONS RELIABLE LENDING - 2021
NATIONS RELIABLE LENDING is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Nations Reliable Lending 's average 30 year fixed rate mortgage of loans were
3.3%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.15%.
Relative Fees
Nations Reliable Lending 's average total fees for a 30 year fixed rate
mortgage are $6,949.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2,678 | $688,160,000 | $256,968 | $7,691 | 3.30% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 889 | $307,935,000 | $346,384 | $6,097 | 3.08% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1,217 | $248,505,000 | $204,195 | $5,506 | 3.29% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 636 | $187,710,000 | $295,142 | $6,472 | 3.08% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 377 | $103,725,000 | $275,133 | $7,913 | 3.18% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 260 | $89,140,000 | $342,846 | $7,345 | 3.16% |
| AMARILLO, TX (FHA|USDA|VA) | 293 | $67,455,000 | $230,222 | $8,848 | 3.38% |
| Outside of Metro Areas | 268 | $53,980,000 | $201,418 | $5,977 | 3.38% |
| OCALA, FL (FHA|USDA|VA) | 258 | $49,410,000 | $191,512 | $5,250 | 3.19% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 252 | $48,070,000 | $190,754 | $8,589 | 3.57% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 190 | $47,910,000 | $252,158 | $8,654 | 3.33% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 224 | $42,940,000 | $191,696 | $5,042 | 3.20% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 86 | $38,780,000 | $450,930 | $8,651 | 3.07% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 114 | $37,260,000 | $326,842 | $6,878 | 3.32% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 121 | $36,325,000 | $300,207 | $5,344 | 3.03% |
| ODESSA, TX (FHA|USDA|VA) | 143 | $31,345,000 | $219,196 | $7,637 | 3.31% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 145 | $29,515,000 | $203,552 | $7,756 | 3.43% |
| THE VILLAGES, FL (FHA|USDA|VA) | 92 | $21,980,000 | $238,913 | $4,627 | 3.09% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 48 | $21,880,000 | $455,833 | $6,257 | 2.99% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 45 | $18,335,000 | $407,444 | $8,306 | 3.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 75 | $17,095,000 | $227,933 | $3,803 | 3.05% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 73 | $15,125,000 | $207,192 | $5,507 | 3.26% |
| MIDLAND, TX (FHA|USDA|VA) | 54 | $14,600,000 | $270,370 | $8,679 | 3.40% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 43 | $14,535,000 | $338,023 | $6,198 | 3.24% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 32 | $13,980,000 | $436,875 | $10,913 | 3.01% |
| HARRISONBURG, VA (FHA|USDA|VA) | 59 | $13,375,000 | $226,695 | $6,202 | 3.15% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 41 | $11,685,000 | $285,000 | $6,480 | 3.22% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 34 | $11,390,000 | $335,000 | $3,439 | 2.77% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 37 | $11,325,000 | $306,081 | $6,284 | 3.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 37 | $11,065,000 | $299,054 | $6,507 | 3.33% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 44 | $11,020,000 | $250,455 | $6,247 | 3.23% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 45 | $8,205,000 | $182,333 | $4,895 | 3.36% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 37 | $7,545,000 | $203,919 | $7,448 | 3.34% |
| COLUMBUS, OH (FHA|USDA|VA) | 29 | $7,525,000 | $259,483 | $4,589 | 3.26% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 29 | $7,395,000 | $255,000 | $7,824 | 3.34% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 26 | $6,230,000 | $239,615 | $5,827 | 3.35% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 33 | $6,115,000 | $185,303 | $5,269 | 3.34% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 23 | $5,965,000 | $259,348 | $6,361 | 3.29% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 22 | $5,830,000 | $265,000 | $7,149 | 3.08% |
| KNOXVILLE, TN (FHA|USDA|VA) | 27 | $5,805,000 | $215,000 | $5,660 | 3.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 26 | $5,450,000 | $209,615 | $5,922 | 3.31% |
| KANKAKEE, IL (FHA|USDA|VA) | 33 | $5,065,000 | $153,485 | $4,785 | 3.62% |
| VICTORIA, TX (FHA|USDA|VA) | 21 | $4,775,000 | $227,381 | $8,349 | 3.39% |
| BATON ROUGE, LA (FHA|USDA|VA) | 18 | $4,760,000 | $264,444 | $5,342 | 2.85% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 15 | $4,675,000 | $311,667 | $3,448 | 2.66% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 13 | $4,325,000 | $332,692 | $4,670 | 2.96% |
| MADISON, WI (FHA|USDA|VA) | 17 | $4,305,000 | $253,235 | $4,974 | 3.15% |
| SAN ANGELO, TX (FHA|USDA|VA) | 23 | $4,305,000 | $187,174 | $7,818 | 3.47% |
| WACO, TX (FHA|USDA|VA) | 18 | $4,170,000 | $231,667 | $5,229 | 3.11% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 16 | $4,080,000 | $255,000 | $6,651 | 3.41% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 12 | $3,920,000 | $326,667 | $3,200 | 2.54% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 13 | $3,735,000 | $287,308 | $5,848 | 3.06% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 9 | $3,655,000 | $406,111 | $7,992 | 2.90% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 12 | $3,500,000 | $291,667 | $5,731 | 2.97% |
| RACINE, WI (FHA|USDA|VA) | 16 | $3,170,000 | $198,125 | $3,610 | 3.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 11 | $3,155,000 | $286,818 | $4,875 | 3.25% |
| ABILENE, TX (FHA|USDA|VA) | 17 | $3,075,000 | $180,882 | $6,089 | 3.66% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 15 | $3,055,000 | $203,667 | $6,742 | 3.39% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 8 | $2,990,000 | $373,750 | $8,014 | 3.22% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 11 | $2,755,000 | $250,455 | $8,001 | 3.52% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 24 | $2,740,000 | $114,167 | $6,204 | 3.47% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 9 | $2,705,000 | $300,556 | $7,889 | 3.11% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 10 | $2,660,000 | $266,000 | $6,873 | 3.04% |
| STAUNTON, VA (FHA|USDA|VA) | 11 | $2,575,000 | $234,091 | $6,924 | 3.09% |
| LUBBOCK, TX (FHA|USDA|VA) | 10 | $2,570,000 | $257,000 | $5,932 | 3.14% |
| ALTOONA, PA (FHA|USDA|VA) | 17 | $2,535,000 | $149,118 | $6,599 | 3.48% |
| TYLER, TX (FHA|USDA|VA) | 8 | $2,520,000 | $315,000 | $7,087 | 3.00% |
| Platteville, WI (FHA|USDA|VA) | 15 | $2,345,000 | $156,333 | $4,860 | 3.42% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 9 | $2,235,000 | $248,333 | $6,694 | 3.01% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 6 | $2,060,000 | $343,333 | $5,868 | 3.29% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 8 | $2,010,000 | $251,250 | $3,713 | 3.05% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 7 | $2,005,000 | $286,429 | $6,911 | 2.89% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $1,910,000 | $318,333 | $7,628 | 3.58% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 5 | $1,815,000 | $363,000 | $6,855 | 3.05% |
| Clearlake, CA (FHA|USDA|VA) | 7 | $1,805,000 | $257,857 | $8,119 | 3.32% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $1,805,000 | $257,857 | $4,971 | 3.41% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 9 | $1,765,000 | $196,111 | $7,157 | 3.43% |
| GAINESVILLE, FL (FHA|USDA|VA) | 8 | $1,760,000 | $220,000 | $5,742 | 3.22% |
| El Campo, TX (FHA|USDA|VA) | 9 | $1,745,000 | $193,889 | $7,916 | 3.58% |
| ST. GEORGE, UT (FHA|USDA|VA) | 5 | $1,715,000 | $343,000 | $5,224 | 3.18% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 7 | $1,705,000 | $243,571 | $4,514 | 2.98% |
| Athens, TX (FHA|USDA|VA) | 5 | $1,675,000 | $335,000 | $7,150 | 3.07% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 6 | $1,630,000 | $271,667 | $7,231 | 3.42% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 7 | $1,615,000 | $230,714 | $6,736 | 3.18% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 6 | $1,610,000 | $268,333 | $5,545 | 3.35% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $1,605,000 | $535,000 | $12,520 | 2.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $1,510,000 | $377,500 | $7,031 | 3.16% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $5,998 | 3.44% |
| Brainerd, MN (FHA|USDA|VA) | 7 | $1,465,000 | $209,286 | $6,334 | 3.41% |
| EL PASO, TX (FHA|USDA|VA) | 8 | $1,450,000 | $181,250 | $5,281 | 3.05% |
| Whitewater, WI (FHA|USDA|VA) | 5 | $1,435,000 | $287,000 | $4,645 | 3.35% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $5,850 | 3.03% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3 | $1,365,000 | $455,000 | $9,915 | 3.04% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $18,362 | 3.28% |
| Lufkin, TX (FHA|USDA|VA) | 6 | $1,250,000 | $208,333 | $6,860 | 3.27% |
| RICHMOND, VA (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $4,800 | 3.08% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $3,598 | 2.81% |
| Heber, UT (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $4,918 | 3.19% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $4,289 | 2.97% |
| TOLEDO, OH (FHA|USDA|VA) | 8 | $1,090,000 | $136,250 | $4,911 | 3.42% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $3,428 | 2.69% |
| Bay City, TX (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $9,406 | 3.78% |
| Somerset, PA (FHA|USDA|VA) | 8 | $1,010,000 | $126,250 | $6,326 | 3.59% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $3,659 | 3.03% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $4,865 | 2.78% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $3,076 | 2.83% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $6,368 | 3.25% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $16,442 | 2.88% |
| ASHEVILLE, NC (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $3,246 | 2.78% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $5,683 | 3.33% |
| Cedar City, UT (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $6,383 | 3.42% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $3,685 | 3.05% |
| Brenham, TX (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $8,469 | 3.75% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $13,407 | 3.62% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $6,086 | 2.68% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $4,642 | 3.19% |
| APPLETON, WI (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $6,436 | 2.92% |
| Huntsville, TX (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $7,124 | 3.48% |
| Borger, TX (FHA|USDA|VA) | 7 | $815,000 | $116,429 | $5,667 | 3.59% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $7,860 | 2.69% |
| ROCHESTER, MN (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $5,931 | 3.00% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $7,500 | 3.44% |
| Dumas, TX (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $9,791 | 3.42% |
| Fredericksburg, TX (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $7,186 | 3.43% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $6,676 | 3.25% |
| Granbury, TX (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $5,709 | 3.25% |
| Wilmington, OH (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $5,271 | 3.13% |
| Shelton, WA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $9,400 | 2.81% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $7,013 | 2.13% |
| LAFAYETTE, LA (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $3,408 | 2.79% |
| FLINT, MI (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $6,097 | 3.29% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $6,994 | 2.75% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,065 | 3.00% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $3,148 | 2.93% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $20,239 | 3.25% |
| Gainesville, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $7,996 | 3.25% |
| HAMMOND, LA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $5,924 | 3.04% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,465 | 3.25% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $6,022 | 3.41% |
| Ardmore, OK (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $10,700 | 3.19% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,973 | 3.69% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,682 | 3.19% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $5,600 | 3.17% |
| Pearsall, TX (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $6,029 | 3.42% |
| SALEM, OR (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,545 | 3.31% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $8,435 | 3.00% |
| Key West, FL (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $7,491 | 3.25% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $16,095 | 3.75% |
| AKRON, OH (FHA|USDA|VA) | 5 | $515,000 | $103,000 | $3,803 | 3.05% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,167 | 2.68% |
| LAREDO, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $9,904 | 3.50% |
| Del Rio, TX (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $5,126 | 3.08% |
| Corsicana, TX (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $9,081 | 3.13% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,014 | 3.13% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $8,732 | 2.75% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $7,444 | 3.44% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $2,984 | 2.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $5,775 | 3.17% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $8,555 | 3.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,602 | 3.37% |
| Hilo, HI (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,764 | 3.06% |
| Pierre, SD (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $12,316 | 2.25% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,175 | 3.25% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,771 | 3.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,301 | 3.43% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,561 | 3.44% |
| DALTON, GA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,837 | 2.25% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $9,598 | 3.13% |
| Baraboo, WI (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $5,015 | 3.29% |
| Washington Court House, OH (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,094 | 2.69% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $4,348 | 3.38% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,186 | 3.25% |
| Pecos, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,015 | 3.56% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,420 | 3.38% |
| TULSA, OK (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,427 | 3.25% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,724 | 3.25% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $1,660 | 3.06% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,546 | 2.88% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,004 | 3.19% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,778 | 4.06% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,118 | 2.94% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $20,608 | 4.63% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $13,172 | 2.75% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $16,582 | 3.00% |
| Beeville, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $19,890 | 3.25% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $15,664 | 3.75% |
| MANKATO, MN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,347 | 2.87% |
| DeRidder, LA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,288 | 2.88% |
| Pampa, TX (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $7,289 | 3.83% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,866 | 3.25% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,213 | 2.99% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,799 | 2.37% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,597 | 3.13% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,949 | 2.88% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,098 | 2.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,715 | 3.38% |
| Beaver Dam, WI (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $7,644 | 3.63% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,585 | 2.99% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,063 | 2.75% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,599 | 2.99% |
| Connersville, IN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,874 | 3.31% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,021 | 2.94% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,718 | 2.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,285 | 2.88% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,705 | 3.63% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,811 | 4.25% |
| JACKSON, MI (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $5,850 | 4.17% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,152 | 3.63% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,301 | 2.75% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,230 | 3.50% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,125 | 3.63% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,300 | 2.63% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,682 | 2.63% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $6,510 | 2.81% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,375 | 2.88% |
| Forest City, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,738 | 2.00% |
| Coshocton, OH (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,997 | 3.38% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,721 | 3.69% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,206 | 2.63% |
| Somerset, KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,545 | 3.88% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,586 | 2.99% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,884 | 3.25% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,999 | 3.38% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,823 | 2.88% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,086 | 2.63% |
| Adrian, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,254 | 2.99% |
| Palatka, FL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,130 | 3.38% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,447 | 3.25% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,800 | 2.50% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,704 | 3.63% |
| Maysville, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,651 | 3.37% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,702 | 2.25% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,530 | 3.88% |
| Centralia, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,114 | 3.63% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $6,682 | 4.69% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,184 | 3.25% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,069 | 3.13% |
| MONROE, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,701 | 2.75% |
| Kearney, NE (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,366 | 3.63% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,082 | 2.75% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,449 | 3.63% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,579 | 1.88% |
| Bonham, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,991 | 2.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,828 | 3.00% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,929 | 3.00% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,711 | 3.50% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,121 | 2.88% |
| DuBois, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,249 | 3.63% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,161 | 4.50% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,170 | 2.88% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,897 | 2.99% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,789 | 2.75% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,890 | 3.50% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,828 | 3.00% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,743 | 2.88% |
| Danville, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,154 | 3.50% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,763 | 3.25% |
| Athens, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,846 | 3.50% |
| Alexander City, AL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $5,370 | 3.81% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,679 | 3.25% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,139 | 3.00% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,847 | 3.25% |
| Hereford, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,146 | 4.38% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,259 | 3.13% |
| NILES, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,663 | 3.38% |
| London, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,876 | 4.25% |
| READING, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,984 | 3.37% |
| Rockport, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,763 | 4.25% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,468 | 3.25% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,374 | 2.75% |
| North Vernon, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,518 | 3.25% |
| Sidney, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,795 | 4.75% |
| Jennings, LA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,360 | 3.25% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 4.06% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,538 | 3.25% |
| Winona, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $450 | 3.00% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,963 | 2.63% |
| Jamestown, ND (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,941 | 3.38% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $500 | 3.25% |
| Clovis, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,261 | 2.75% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,581 | 3.25% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,453 | 3.75% |
| Greenville, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,265 | 3.50% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,925 | 3.25% |
| Greensburg, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,077 | 3.50% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,821 | 2.75% |
| Alice, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $9,746 | 4.75% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,817 | 3.75% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,826 | 3.25% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $8,410 | 4.25% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,283 | 3.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.75% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,316 | 3.25% |
| Huntingdon, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,575 | 3.37% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,910 | 3.75% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,925 | 3.00% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,639 | 3.25% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,639 | 3.50% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,131 | 3.75% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.25% |
| Shawano, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,370 | 3.13% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,430 | 2.88% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,347 | 3.75% |
Nations Reliable Lending 's top markets include Houston, Austin, Cincinnati, Dallas, and San Antonio among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 6,904 | $1,850,190,000 | $267,988 | $5,593 | 3.16% |
| FHA | 2,420 | $537,580,000 | $222,140 | $9,839 | 3.52% |
| VA | 563 | $177,575,000 | $315,409 | $7,836 | 3.12% |
| USDA | 207 | $37,325,000 | $180,314 | $5,899 | 3.24% |
For the 2021 period, Nations Reliable Lending 's most frequently originated loan type of loans were Conventional, with 6,904 originations. Their 2nd most popular type is FHA, with 2,420 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 7,009 | $1,772,375,000 | $252,871 | $7,459 | 3.34% |
| Refi | 1,942 | $522,200,000 | $268,898 | $4,744 | 2.89% |
| Cash Out Refi | 1,141 | $307,505,000 | $269,505 | $5,975 | 3.28% |
| Home Improvement | 2 | $590,000 | $295,000 | $7,786 | 2.63% |
For the 2021, Nations Reliable Lending 's most frequently cited loan purpose of loans were Home Purchase, with 7,009 originations. The 2nd most popular reason of loans were Refi, with 1,942 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 9,193 | $2,373,405,000 | $258,175 | $6,949 | 3.30% |
| 15 Year | 622 | $153,380,000 | $246,592 | $4,943 | 2.60% |
| 20 Year | 153 | $41,115,000 | $268,725 | $5,118 | 2.86% |
| Other | 104 | $29,910,000 | $287,596 | $4,502 | 2.89% |
| 10 Year | 21 | $4,845,000 | $230,714 | $4,292 | 2.47% |
| 3 Year | 1 | $15,000 | $15,000 | $0 | 3.88% |
For the 2021, Nations Reliable Lending 's most frequently cited loan length of loans were 30 Year, with 9,193 originations. The 2nd most popular length of loans were 15 Year, with 622 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 5,015 | $1,246,255,000 | $248,505 |
| $3k-4k | 1,586 | $413,070,000 | $260,448 |
| $2k-3k | 1,554 | $345,210,000 | $222,143 |
| $<1k | 987 | $280,945,000 | $284,645 |
| $5k+ | 952 | $317,190,000 | $333,183 |
$6,949 of loans were Nations Reliable Lending 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 5,015 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 5,695 | $1,407,045,000 | $247,067 |
| 2.5-3% | 2,954 | $830,880,000 | $281,273 |
| <2.5% | 733 | $216,945,000 | $295,969 |
| 4-5% | 711 | $147,255,000 | $207,110 |
| 5-6% | 1 | $545,000 | $545,000 |
During 2021, Nations Reliable Lending 's average interest rate of loans were 3.30%, while their most frequently originated rate bucket of loans were 3-4%, with 5,695 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 5,124 | $1,422,180,000 | $277,553 | $7,255 | 3.22% |
| $100k-200k | 3,326 | $521,360,000 | $156,753 | $5,651 | 3.34% |
| $400k-600k | 1,099 | $524,465,000 | $477,220 | $7,790 | 3.04% |
| $100,000 or less | 418 | $33,850,000 | $80,981 | $4,297 | 3.40% |
| $600k-1MM | 110 | $79,930,000 | $726,636 | $11,528 | 3.15% |
| $1MM+ | 17 | $20,885,000 | $1,228,529 | $14,167 | 3.18% |
2021 saw Nations Reliable Lending place emphasis on $200k-400k loans with 5,124 originations, totaling $1,422,180,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 1,965 | $410,535,000 | $208,924 | $6,858 | 3.34% |
| $100k-150k | 1,646 | $490,150,000 | $297,783 | $7,119 | 3.20% |
| $75k-100k | 1,483 | $369,835,000 | $249,383 | $7,211 | 3.27% |
| $50k or less | 1,128 | $174,640,000 | $154,823 | $6,073 | 3.32% |
| $150k-250k | 1,020 | $361,360,000 | $354,275 | $6,999 | 3.12% |
| $250k+ | 332 | $140,890,000 | $424,367 | $7,397 | 3.11% |
Nations Reliable Lending lent most frequently to those with incomes in the $50k-75k range, with 1,965 originations. The second most popular income band? $100k-150k, with 1,646 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30-36% | 1,335 | $340,575,000 | $255,112 | $6,214 | 3.23% |
| 20-30% | 1,334 | $349,910,000 | $262,301 | $5,770 | 3.11% |
| 50-60% | 649 | $159,705,000 | $246,079 | $10,285 | 3.40% |
| 44% | 376 | $98,230,000 | $261,250 | $6,985 | 3.32% |
| <20% | 371 | $95,735,000 | $258,046 | $5,053 | 2.97% |
| 42% | 333 | $91,005,000 | $273,288 | $6,717 | 3.28% |
| 40% | 320 | $83,050,000 | $259,531 | $7,067 | 3.33% |
| 43% | 298 | $77,220,000 | $259,128 | $7,498 | 3.33% |
| 41% | 296 | $76,140,000 | $257,230 | $6,783 | 3.28% |
| 38% | 296 | $74,150,000 | $250,507 | $6,463 | 3.33% |
| 39% | 285 | $74,075,000 | $259,912 | $6,630 | 3.29% |
| 37% | 270 | $69,480,000 | $257,333 | $6,698 | 3.29% |
| 49% | 265 | $69,795,000 | $263,377 | $7,942 | 3.32% |
| 36% | 250 | $64,930,000 | $259,720 | $6,548 | 3.25% |
| 48% | 245 | $61,335,000 | $250,347 | $7,774 | 3.31% |
| 45% | 229 | $58,105,000 | $253,734 | $7,281 | 3.34% |
| 47% | 229 | $56,595,000 | $247,140 | $7,437 | 3.32% |
| 46% | 200 | $51,450,000 | $257,250 | $8,064 | 3.36% |
| >60% | 14 | $3,690,000 | $263,571 | $9,099 | 3.29% |
Nations Reliable Lending lent most frequently to those with DTI ratios of 30-36%, with 1,335 originations. The next most common DTI ratio? 20-30%, with 1,334 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 7,855 | $2,014,415,000 | $256,450 | $6,621 | 3.24% |
| Black | 1,105 | $284,225,000 | $257,217 | $8,064 | 3.34% |
| Not provided | 688 | $176,710,000 | $256,846 | $6,388 | 3.22% |
| Asian | 352 | $104,830,000 | $297,813 | $6,574 | 3.10% |
| American Indian | 74 | $17,520,000 | $236,757 | $7,232 | 3.41% |
| Native Hawaiian | 13 | $3,315,000 | $255,000 | $8,743 | 3.24% |
| Chinese | 2 | $610,000 | $305,000 | $5,773 | 2.63% |
| Asian Indian | 3 | $575,000 | $191,667 | $5,824 | 3.12% |
| Korean | 1 | $285,000 | $285,000 | $0 | 3.63% |
| Other Asian | 1 | $185,000 | $185,000 | $0 | 4.25% |
Approval Rates
Total approvals of all applications98.21%
Nations Reliable Lending has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination80.15%
Nations Reliable Lending has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 10,094 | $2,602,670,000 | $257,843 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 10,094 | $2,602,670,000 | $257,843 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 213 | $45,225,000 | $212,324 | $4,849 | 2.89% |
| 40-60% | 831 | $213,895,000 | $257,395 | $4,777 | 2.91% |
| 60-80% | 2,867 | $781,525,000 | $272,593 | $5,637 | 3.19% |
| 80-100% | 6,020 | $1,515,570,000 | $251,756 | $7,447 | 3.33% |
| Over 100% | 131 | $40,035,000 | $305,611 | $13,043 | 3.25% |
| Under 20% | 16 | $1,730,000 | $108,125 | $2,823 | 2.26% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| NATIONS RELIABLE LENDING | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 100.0% |
