Nations Reliable Lending Mortgage Rates, Fees & Info

DOVER, DE

LEI: 549300JKR164SLNO6Y85

Tax ID: 20-5973457

1.7 stars - Updated: 5/27/24 - out of 5 stars, based on 58 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Nations Reliable Lending is a smaller mortgage company specializing in Home Purchase loans. Nations Reliable Lending has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Houston, Dallas, Cincinnati, Boston, and Brownsville among others. We have data for 204 markets. (Some data included below & more in-depth data is available with an active subscription.)

Nations Reliable Lending has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Nations Reliable Lending is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.95% 5/27/24
30 Year Conventional Refi 6.72% 5/27/24
30 Year Cash-out Refi 6.97% 5/27/24
30 Year FHA Purchase 7.74% 5/27/24
30 Year FHA Refi 7.62% 5/27/24
30 Year VA Purchase 6.58% 5/27/24
30 Year VA Refi 6.11% 5/27/24
30 Year USDA Purchase 7.21% 5/27/24
15 Year Conventional Purchase 6.50% 5/27/24
15 Year Conventional Refi 6.22% 5/27/24
15 Year Cash-out Refi 6.22% 5/27/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Nations Reliable Lending Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Nations Reliable Lending. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

3,314

Origination Dollar Volume (All Markets)

$996,060,000
Show all (9) awards

Relative Rate

Nations Reliable Lending's average 30 year fixed mortgage rate was 6.8%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.32%.

Relative Fees (Closing Costs)

Nations Reliable Lending's average total fees/closing costs for a 30 year fixed rate mortgage were $11,386.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1,044 $304,720,000 $291,877 $11,959 6.83%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 220 $79,690,000 $362,227 $13,261 6.77%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 244 $56,990,000 $233,566 $7,830 6.92%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 103 $48,915,000 $474,903 $12,259 6.84%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 165 $40,755,000 $247,000 $12,560 6.60%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 112 $31,200,000 $278,571 $14,663 6.30%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 103 $30,015,000 $291,408 $10,647 6.82%
Outside of Metro Areas 132 $29,580,000 $224,091 $9,188 6.93%
SALT LAKE CITY, UT (FHA|USDA|VA) 60 $28,950,000 $482,500 $13,049 6.11%
COLORADO SPRINGS, CO (FHA|USDA|VA) 58 $27,030,000 $466,034 $7,845 6.57%
AMARILLO, TX (FHA|USDA|VA) 101 $25,565,000 $253,119 $11,572 6.81%
PROVO-OREM, UT (FHA|USDA|VA) 53 $23,125,000 $436,321 $11,420 6.03%
ODESSA, TX (FHA|USDA|VA) 78 $20,270,000 $259,872 $13,274 6.95%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 45 $17,205,000 $382,333 $13,177 6.67%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 42 $14,630,000 $348,333 $11,359 6.89%
MIDLAND, TX (FHA|USDA|VA) 40 $13,670,000 $341,750 $13,764 6.78%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 27 $11,665,000 $432,037 $18,066 6.80%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 38 $11,560,000 $304,211 $11,318 6.89%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 38 $8,580,000 $225,789 $7,307 7.22%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 22 $8,200,000 $372,727 $7,758 6.68%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 15 $7,045,000 $469,667 $17,659 6.82%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 17 $6,125,000 $360,294 $12,680 6.74%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 17 $6,085,000 $357,941 $7,130 6.85%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 14 $5,900,000 $421,429 $12,306 6.28%
SAN ANGELO, TX (FHA|USDA|VA) 29 $5,855,000 $201,897 $9,496 6.78%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 16 $5,760,000 $360,000 $16,298 7.22%
DAYTON-KETTERING, OH (FHA|USDA|VA) 25 $5,055,000 $202,200 $8,856 7.08%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 14 $4,810,000 $343,571 $8,392 6.46%
WORCESTER, MA-CT (FHA|USDA|VA) 10 $4,450,000 $445,000 $10,474 6.87%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 9 $3,965,000 $440,556 $11,160 6.04%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 21 $3,925,000 $186,905 $8,315 6.90%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 9 $3,625,000 $402,778 $7,814 6.94%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 18 $3,590,000 $199,444 $7,684 6.87%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 7 $3,585,000 $512,143 $20,551 6.61%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 8 $3,310,000 $413,750 $9,177 7.27%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 10 $2,850,000 $285,000 $12,850 6.59%
RACINE, WI (FHA|USDA|VA) 15 $2,495,000 $166,333 $6,434 7.21%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 6 $2,440,000 $406,667 $13,311 6.96%
ST. GEORGE, UT (FHA|USDA|VA) 5 $2,435,000 $487,000 $12,119 6.20%
COLUMBUS, OH (FHA|USDA|VA) 12 $2,370,000 $197,500 $8,098 6.88%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 6 $2,350,000 $391,667 $8,527 6.98%
Borger, TX (FHA|USDA|VA) 11 $2,215,000 $201,364 $10,669 7.50%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 12 $2,020,000 $168,333 $7,500 6.83%
Heber, UT (FHA|USDA|VA) 3 $1,815,000 $605,000 $5,467 6.04%
KANSAS CITY, MO-KS (FHA|USDA|VA) 6 $1,800,000 $300,000 $11,414 7.33%
KANKAKEE, IL (FHA|USDA|VA) 7 $1,775,000 $253,571 $10,929 6.98%
LUBBOCK, TX (FHA|USDA|VA) 6 $1,570,000 $261,667 $11,483 6.90%
OCALA, FL (FHA|USDA|VA) 6 $1,420,000 $236,667 $12,029 6.83%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $1,405,000 $1,405,000 $37,079 7.25%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 4 $1,340,000 $335,000 $14,244 7.31%
Tullahoma-Manchester, TN (FHA|USDA|VA) 5 $1,315,000 $263,000 $9,055 6.75%
Platteville, WI (FHA|USDA|VA) 7 $1,315,000 $187,857 $7,593 6.88%
MADISON, WI (FHA|USDA|VA) 6 $1,220,000 $203,333 $7,153 7.10%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $1,130,000 $282,500 $14,784 7.09%
SPRINGFIELD, MA (FHA|USDA|VA) 3 $1,065,000 $355,000 $16,340 7.33%
TYLER, TX (FHA|USDA|VA) 4 $1,050,000 $262,500 $11,234 6.69%
Fredericksburg, TX (FHA|USDA|VA) 2 $1,030,000 $515,000 $18,336 6.69%
GREELEY, CO (FHA|USDA|VA) 3 $985,000 $328,333 $11,471 7.25%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $985,000 $328,333 $10,281 6.79%
Rockport, TX (FHA|USDA|VA) 3 $955,000 $318,333 $10,298 7.17%
Huntsville, TX (FHA|USDA|VA) 4 $940,000 $235,000 $17,559 7.09%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $930,000 $232,500 $7,254 6.72%
Concord, NH (FHA|USDA|VA) 3 $895,000 $298,333 $5,869 6.58%
PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $855,000 $285,000 $14,170 6.12%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $855,000 $285,000 $8,991 7.21%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $830,000 $415,000 $8,294 6.69%
Stephenville, TX (FHA|USDA|VA) 2 $790,000 $395,000 $12,307 6.94%
Price, UT (FHA|USDA|VA) 2 $770,000 $385,000 $21,405 5.75%
TULSA, OK (FHA|USDA|VA) 5 $735,000 $147,000 $7,547 6.87%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $730,000 $365,000 $12,947 7.50%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $725,000 $241,667 $9,820 6.29%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $720,000 $180,000 $7,567 6.78%
Spearfish, SD (FHA|USDA|VA) 1 $715,000 $715,000 $12,710 5.99%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $685,000 $685,000 $19,247 5.25%
APPLETON, WI (FHA|USDA|VA) 2 $680,000 $340,000 $14,438 7.44%
WACO, TX (FHA|USDA|VA) 3 $675,000 $225,000 $11,137 6.67%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $655,000 $218,333 $8,186 7.21%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $625,000 $208,333 $11,711 6.42%
Whitewater, WI (FHA|USDA|VA) 2 $620,000 $310,000 $10,143 6.63%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $610,000 $305,000 $11,857 6.94%
SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $605,000 $201,667 $10,460 6.38%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $605,000 $605,000 $8,139 6.75%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $590,000 $295,000 $5,495 6.56%
Laconia, NH (FHA|USDA|VA) 1 $575,000 $575,000 $23,839 5.99%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $560,000 $280,000 $10,447 6.69%
VALLEJO, CA (FHA|USDA|VA) 1 $555,000 $555,000 $20,285 6.75%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $545,000 $545,000 $9,164 5.25%
KNOXVILLE, TN (FHA|USDA|VA) 2 $540,000 $270,000 $5,865 6.50%
Dumas, TX (FHA|USDA|VA) 2 $530,000 $265,000 $12,033 6.88%
BATON ROUGE, LA (FHA|USDA|VA) 2 $520,000 $260,000 $9,472 6.31%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $515,000 $515,000 $8,119 7.38%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $515,000 $171,667 $6,591 7.67%
Wilmington, OH (FHA|USDA|VA) 3 $505,000 $168,333 $7,200 6.50%
Arcadia, FL (FHA|USDA|VA) 2 $500,000 $250,000 $10,253 7.38%
Susanville, CA (FHA|USDA|VA) 1 $495,000 $495,000 $7,290 6.88%
ROCKFORD, IL (FHA|USDA|VA) 3 $475,000 $158,333 $8,743 7.33%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $470,000 $235,000 $10,181 6.69%
Somerset, PA (FHA|USDA|VA) 4 $460,000 $115,000 $7,906 6.81%
Mineral Wells, TX (FHA|USDA|VA) 1 $435,000 $435,000 $13,900 7.00%
PUEBLO, CO (FHA|USDA|VA) 2 $420,000 $210,000 $4,193 6.19%
LOGAN, UT-ID (FHA|USDA|VA) 1 $405,000 $405,000 $0 7.50%
SAGINAW, MI (FHA|USDA|VA) 2 $400,000 $200,000 $8,354 6.44%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $395,000 $395,000 $13,857 6.63%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $395,000 $395,000 $10,877 7.75%
Bay City, TX (FHA|USDA|VA) 2 $390,000 $195,000 $11,253 6.19%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $385,000 $385,000 $4,837 6.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $380,000 $190,000 $11,018 7.38%
Hereford, TX (FHA|USDA|VA) 2 $380,000 $190,000 $8,737 7.12%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $375,000 $375,000 $10,531 7.38%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $365,000 $365,000 $13,060 6.63%
FOND DU LAC, WI (FHA|USDA|VA) 2 $360,000 $180,000 $6,842 7.56%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $355,000 $355,000 $4,606 7.50%
North Platte, NE (FHA|USDA|VA) 1 $355,000 $355,000 $4,472 7.25%
SPRINGFIELD, OH (FHA|USDA|VA) 2 $350,000 $175,000 $6,499 7.19%
PITTSFIELD, MA (FHA|USDA|VA) 1 $345,000 $345,000 $4,466 6.88%
LONGVIEW, TX (FHA|USDA|VA) 2 $330,000 $165,000 $5,632 6.88%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $325,000 $325,000 $3,694 6.38%
Glenwood Springs, CO (FHA|USDA|VA) 1 $325,000 $325,000 $4,625 8.63%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $315,000 $315,000 $7,280 7.38%
Othello, WA (FHA|USDA|VA) 1 $315,000 $315,000 $6,734 6.00%
Jefferson, GA (FHA|USDA|VA) 1 $315,000 $315,000 $10,961 6.75%
VICTORIA, TX (FHA|USDA|VA) 2 $310,000 $155,000 $6,498 7.38%
Connersville, IN (FHA|USDA|VA) 2 $310,000 $155,000 $8,951 7.56%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $305,000 $305,000 $4,137 6.75%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $305,000 $305,000 $17,672 7.25%
LOUISVILLE, KY (FHA|USDA|VA) 1 $305,000 $305,000 $9,111 5.75%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $305,000 $305,000 $6,354 6.50%
Lebanon, NH-VT (FHA|USDA|VA) 1 $295,000 $295,000 $6,106 7.75%
DOTHAN, AL (FHA|USDA|VA) 1 $285,000 $285,000 $4,091 5.75%
MORRISTOWN, TN (FHA|USDA|VA) 1 $285,000 $285,000 $7,288 7.38%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $285,000 $285,000 $7,599 6.99%
Pampa, TX (FHA|USDA|VA) 1 $285,000 $285,000 $17,918 6.00%
Beeville, TX (FHA|USDA|VA) 1 $285,000 $285,000 $13,810 6.75%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $275,000 $275,000 $10,579 6.88%
Jacksonville, TX (FHA|USDA|VA) 1 $275,000 $275,000 $12,797 6.88%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $275,000 $275,000 $11,127 7.25%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $275,000 $275,000 $7,613 7.00%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $275,000 $275,000 $15,263 7.00%
SAVANNAH, GA (FHA|USDA|VA) 1 $275,000 $275,000 $852 6.25%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $270,000 $135,000 $0 7.50%
EL PASO, TX (FHA|USDA|VA) 1 $255,000 $255,000 $0 8.13%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $255,000 $255,000 $22,431 4.75%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $255,000 $255,000 $5,156 6.63%
Raymondville, TX (FHA|USDA|VA) 1 $255,000 $255,000 $18,594 5.50%
Indiana, PA (FHA|USDA|VA) 2 $250,000 $125,000 $8,491 7.19%
Berlin, NH (FHA|USDA|VA) 2 $250,000 $125,000 $4,027 6.38%
Blackfoot, ID (FHA|USDA|VA) 1 $235,000 $235,000 $10,634 4.75%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $235,000 $235,000 $16,184 6.25%
El Campo, TX (FHA|USDA|VA) 1 $235,000 $235,000 $16,772 6.63%
Findlay, OH (FHA|USDA|VA) 1 $235,000 $235,000 $4,154 7.13%
Brainerd, MN (FHA|USDA|VA) 1 $235,000 $235,000 $5,880 7.38%
Washington Court House, OH (FHA|USDA|VA) 1 $225,000 $225,000 $10,874 7.13%
LaGrange, GA-AL (FHA|USDA|VA) 1 $225,000 $225,000 $14,272 7.63%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $225,000 $225,000 $10,845 7.25%
NILES, MI (FHA|USDA|VA) 1 $215,000 $215,000 $9,569 6.75%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $215,000 $215,000 $12,991 6.25%
Granbury, TX (FHA|USDA|VA) 1 $205,000 $205,000 $11,982 7.63%
Point Pleasant, WV-OH (FHA|USDA|VA) 1 $205,000 $205,000 $16,290 7.13%
Sterling, CO (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $205,000 $205,000 $12,048 6.75%
ABILENE, TX (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.63%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $185,000 $185,000 $6,088 7.25%
Beaver Dam, WI (FHA|USDA|VA) 1 $185,000 $185,000 $6,613 7.13%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $185,000 $185,000 $5,464 6.75%
TOLEDO, OH (FHA|USDA|VA) 1 $185,000 $185,000 $11,564 6.75%
Mount Vernon, OH (FHA|USDA|VA) 1 $175,000 $175,000 $13,255 7.50%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.75%
Waycross, GA (FHA|USDA|VA) 1 $175,000 $175,000 $473 7.75%
JOHNSTOWN, PA (FHA|USDA|VA) 2 $170,000 $85,000 $5,924 6.94%
Warsaw, IN (FHA|USDA|VA) 1 $165,000 $165,000 $6,274 8.63%
Levelland, TX (FHA|USDA|VA) 1 $165,000 $165,000 $10,484 7.25%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $165,000 $165,000 $8,713 7.63%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $165,000 $165,000 $4,124 6.25%
FLINT, MI (FHA|USDA|VA) 1 $165,000 $165,000 $5,581 6.38%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $165,000 $165,000 $4,399 7.99%
Fremont, OH (FHA|USDA|VA) 1 $165,000 $165,000 $7,994 7.25%
Rochelle, IL (FHA|USDA|VA) 1 $165,000 $165,000 $2,303 6.38%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $155,000 $155,000 $11,303 6.99%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $155,000 $155,000 $5,348 6.50%
Hobbs, NM (FHA|USDA|VA) 1 $155,000 $155,000 $5,939 7.13%
Rio Grande City-Roma, TX (FHA|USDA|VA) 1 $155,000 $155,000 $11,133 6.00%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $155,000 $155,000 $4,848 6.99%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $155,000 $155,000 $6,947 7.75%
Kingsville, TX (FHA|USDA|VA) 1 $155,000 $155,000 $7,283 7.63%
Alpena, MI (FHA|USDA|VA) 1 $145,000 $145,000 $3,893 6.75%
Baraboo, WI (FHA|USDA|VA) 1 $145,000 $145,000 $7,917 7.75%
ANN ARBOR, MI (FHA|USDA|VA) 1 $135,000 $135,000 $8,061 7.75%
VALDOSTA, GA (FHA|USDA|VA) 1 $135,000 $135,000 $8,640 7.00%
LEBANON, PA (FHA|USDA|VA) 1 $135,000 $135,000 $0 8.75%
Clewiston, FL (FHA|USDA|VA) 1 $135,000 $135,000 $5,854 5.75%
MANHATTAN, KS (FHA|USDA|VA) 1 $125,000 $125,000 $8,626 7.50%
Zanesville, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,489 7.13%
PITTSBURGH, PA (FHA|USDA|VA) 1 $115,000 $115,000 $10,703 7.25%
Hillsdale, MI (FHA|USDA|VA) 1 $115,000 $115,000 $5,870 7.25%
GREEN BAY, WI (FHA|USDA|VA) 1 $115,000 $115,000 $4,030 6.38%
GADSDEN, AL (FHA|USDA|VA) 1 $115,000 $115,000 $4,946 5.88%
Lufkin, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.75%
Athens, OH (FHA|USDA|VA) 1 $85,000 $85,000 $7,064 7.13%
Payson, AZ (FHA|USDA|VA) 1 $85,000 $85,000 $4,381 6.50%
FORT WAYNE, IN (FHA|USDA|VA) 1 $85,000 $85,000 $5,907 7.63%
Pontiac, IL (FHA|USDA|VA) 1 $75,000 $75,000 $7,131 7.25%
Alice, TX (FHA|USDA|VA) 1 $75,000 $75,000 $5,146 6.63%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $55,000 $55,000 $3,562 6.25%
Ottawa, IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.38%
Nations Reliable Lending's top markets include Houston, Dallas, Cincinnati, Boston, and Brownsville among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against NATIONS RELIABLE LENDING based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    NORTHWESTERN MUTUAL
    Similarity Rank: 44
    Glacier Hills Credit Union
    Similarity Rank: 54
    South Metro Federal Credit Union
    Similarity Rank: 55
    JEFFERSON FINANCIAL
    Similarity Rank: 80
    MISSION
    Similarity Rank: 93
    GREATER NEW ORLEANS
    Similarity Rank: 100
    National Exchange Bank and Trust
    Similarity Rank: 112
    Citizens Bank
    Similarity Rank: 192
    Empower Credit Union
    Similarity Rank: 203
    CALIFORNIA CREDIT UNION
    Similarity Rank: 208

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,575 $494,255,000 $313,813 $9,116 6.83%
    FHA 1,473 $411,245,000 $279,189 $13,928 6.77%
    VA 241 $86,355,000 $358,320 $10,481 6.66%
    USDA 25 $4,205,000 $168,200 $6,594 6.95%

    For 2023, Nations Reliable Lending's most frequently originated type of loan was Conventional, with 1,575 originations. Their 2nd most popular type was FHA, with 1,473 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,077 $931,715,000 $302,800 $11,278 6.79%
    Cash Out Refi 136 $33,140,000 $243,676 $10,074 7.09%
    Refi 101 $31,205,000 $308,960 $14,748 6.45%

    For 2023, Nations Reliable Lending's most frequently cited loan purpose was Home Purchase, with 3,077 originations. The 2nd most popular reason was Cash Out Refi, with 136 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,270 $985,600,000 $301,407 $11,386 6.80%
    15 Year 19 $5,345,000 $281,316 $8,128 6.09%
    Other 13 $2,965,000 $228,077 $10,189 6.80%
    20 Year 8 $1,700,000 $212,500 $7,887 6.86%
    10 Year 3 $435,000 $145,000 $6,825 6.17%
    3 Year 1 $15,000 $15,000 $0 0.00%

    For 2023, Nations Reliable Lending's most frequently cited loan duration was 30 Year, with 3,270 originations. The 2nd most popular length was 15 Year, with 19 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,542 $535,620,000 $347,354
    $3k-4k 418 $92,530,000 $221,364
    $1k-2k 406 $129,870,000 $319,877
    $4k-5k 398 $98,640,000 $247,839
    $2k-3k 287 $68,885,000 $240,017
    $<1k 256 $69,220,000 $270,391

    Nations Reliable Lending's average total fees were $11,386, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,542 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,628 $494,110,000 $303,507
    7-8% 1,109 $315,535,000 $284,522
    5-6% 473 $158,395,000 $334,873
    Over 8% 84 $20,500,000 $244,048
    4-5% 17 $7,475,000 $439,706
    <2.5% 3 $45,000 $15,000

    During 2023, Nations Reliable Lending's average interest rate for loans was 6.80%, while their most frequently originated rate bucket for loans was 6-7%, with 1,628 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,828 $520,650,000 $284,819 $11,608 6.81%
    $100k-200k 744 $118,190,000 $158,858 $7,522 6.90%
    $400k-600k 478 $229,190,000 $479,477 $15,027 6.62%
    $600k-1MM 156 $109,320,000 $700,769 $15,457 6.61%
    $100,000 or less 99 $7,435,000 $75,101 $4,996 6.73%
    $1MM+ 9 $11,275,000 $1,252,778 $23,891 6.96%

    2023 saw Nations Reliable Lending place emphasis on $200k-400k loans with 1,828 originations, totaling $520,650,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 855 $279,065,000 $326,392 $12,575 6.79%
    $75k-100k 744 $198,540,000 $266,855 $11,243 6.81%
    $50k-75k 719 $152,105,000 $211,551 $9,482 6.71%
    $150k-250k 528 $217,320,000 $411,591 $13,142 6.82%
    $50k or less 249 $35,805,000 $143,795 $7,255 6.75%
    $250k+ 213 $110,055,000 $516,690 $13,115 6.95%

    Nations Reliable Lending lent most frequently to those with incomes in the $100k-150k range, with 855 originations. The second most popular income band? $75k-100k, with 744 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 664 $203,950,000 $307,154 $14,457 6.68%
    30-36% 418 $127,160,000 $304,211 $10,112 6.85%
    20-30% 288 $84,250,000 $292,535 $9,698 6.69%
    49% 239 $75,265,000 $314,916 $11,660 6.82%
    44% 164 $50,750,000 $309,451 $10,359 6.82%
    45% 148 $45,710,000 $308,851 $10,830 6.78%
    46% 145 $45,195,000 $311,690 $11,168 6.86%
    48% 143 $44,865,000 $313,741 $11,541 6.80%
    47% 133 $35,985,000 $270,564 $10,779 6.88%
    43% 131 $41,075,000 $313,550 $11,252 6.91%
    40% 131 $39,935,000 $304,847 $11,243 6.86%
    42% 123 $34,305,000 $278,902 $10,253 6.69%
    41% 122 $35,200,000 $288,525 $9,709 6.79%
    38% 111 $32,965,000 $296,982 $10,288 6.91%
    39% 108 $32,610,000 $301,944 $10,722 6.79%
    37% 87 $23,755,000 $273,046 $10,947 6.90%
    36% 82 $22,830,000 $278,415 $10,275 6.84%
    <20% 65 $16,635,000 $255,923 $7,708 6.70%
    >60% 6 $2,510,000 $418,333 $12,833 6.56%

    Nations Reliable Lending lent most frequently to those with DTI ratios of 50-60%, with 664 originations. The next most common DTI ratio? 30-36%, with 418 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,265 $661,415,000 $292,015 $10,889 6.81%
    Black 504 $158,980,000 $315,437 $13,624 6.77%
    Not provided 404 $129,840,000 $321,386 $11,366 6.66%
    Asian 80 $27,400,000 $342,500 $10,567 6.87%
    American Indian 50 $15,020,000 $300,400 $11,340 6.81%
    Native Hawaiian or Islander 6 $2,100,000 $350,000 $9,947 6.79%
    Chinese 2 $490,000 $245,000 $13,915 6.88%
    Other Asian 1 $375,000 $375,000 $10,538 6.38%
    Filipino 1 $355,000 $355,000 $12,730 6.50%
    Asian Indian 1 $85,000 $85,000 $0 6.25%

    Approval Rates

    Total approvals of all applications
    96.34%

    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 origination
    68.86%

    Nations Reliable Lending has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,314 $996,060,000 $300,561

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,314 $996,060,000 $300,561

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 43 $7,635,000 $177,558 $6,428 6.58%
    40-60% 144 $39,890,000 $277,014 $8,931 6.78%
    60-80% 549 $173,465,000 $315,965 $9,984 6.89%
    80-100% 2,517 $758,215,000 $301,238 $11,759 6.78%
    Over 100% 44 $15,790,000 $358,864 $17,720 6.63%
    Under 20% 17 $1,065,000 $62,647 $2,362 5.27%