Nations Reliable Lending Mortgage Rates, Fees & Info
DOVER, DELEI: 549300JKR164SLNO6Y85
Tax ID: 20-5973457
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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, Austin, Cincinnati, Dallas, and Riverside among others. We have data for 83 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 an average 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 about average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.95% | 4/22/24 |
| 30 Year Conventional Refi | 6.72% | 4/22/24 |
| 30 Year Cash-out Refi | 6.97% | 4/22/24 |
| 30 Year FHA Purchase | 7.74% | 4/22/24 |
| 30 Year FHA Refi | 7.62% | 4/22/24 |
| 30 Year VA Purchase | 6.58% | 4/22/24 |
| 30 Year VA Refi | 6.11% | 4/22/24 |
| 30 Year USDA Purchase | 7.21% | 4/22/24 |
| 15 Year Conventional Purchase | 6.50% | 4/22/24 |
| 15 Year Conventional Refi | 6.22% | 4/22/24 |
| 15 Year Cash-out Refi | 6.22% | 4/22/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,700Origination Dollar Volume (All Markets)
$352,830,000Awards
NATIONS RELIABLE LENDING - 2018
NATIONS RELIABLE LENDING is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 574 | $118,500,000 | $206,446 | $7,480 | 5.19% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 196 | $50,710,000 | $258,724 | $7,855 | 4.87% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 214 | $32,640,000 | $152,523 | $5,672 | 5.21% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 124 | $29,660,000 | $239,194 | $7,249 | 5.04% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 82 | $23,870,000 | $291,098 | $7,701 | 5.11% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 44 | $8,800,000 | $200,000 | $6,909 | 4.93% |
| AMARILLO, TX (FHA|USDA|VA) | 50 | $8,250,000 | $165,000 | $7,698 | 5.21% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 41 | $7,635,000 | $186,220 | $8,426 | 5.20% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 43 | $6,535,000 | $151,977 | $5,333 | 5.04% |
| OCALA, FL (FHA|USDA|VA) | 43 | $6,055,000 | $140,814 | $5,054 | 5.07% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 11 | $4,765,000 | $433,182 | $10,279 | 5.17% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 23 | $4,455,000 | $193,696 | $8,455 | 5.11% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 16 | $4,110,000 | $256,875 | $6,265 | 5.05% |
| Outside of Metro Areas | 23 | $3,855,000 | $167,609 | $7,157 | 5.16% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 6 | $3,430,000 | $571,667 | $11,401 | 5.23% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 13 | $3,395,000 | $261,154 | $6,016 | 4.93% |
| ODESSA, TX (FHA|USDA|VA) | 15 | $3,115,000 | $207,667 | $8,664 | 5.16% |
| MIDLAND, TX (FHA|USDA|VA) | 16 | $3,080,000 | $192,500 | $7,218 | 4.96% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 21 | $3,015,000 | $143,571 | $9,088 | 5.33% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 6 | $1,960,000 | $326,667 | $5,637 | 5.33% |
| VICTORIA, TX (FHA|USDA|VA) | 11 | $1,875,000 | $170,455 | $7,610 | 5.26% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 13 | $1,865,000 | $143,462 | $4,778 | 5.13% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 13 | $1,765,000 | $135,769 | $8,055 | 5.22% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 9 | $1,435,000 | $159,444 | $7,028 | 5.43% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $9,423 | 4.88% |
| TULSA, OK (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $8,179 | 5.23% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $9,512 | 4.69% |
| WACO, TX (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $5,256 | 5.38% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $5,736 | 5.28% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $9,945 | 5.42% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $6,365 | 4.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $6,924 | 4.66% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,036 | 5.29% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,613 | 4.88% |
| Huntsville, TX (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $7,227 | 5.00% |
| Key West, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $11,170 | 5.63% |
| Andrews, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,271 | 5.00% |
| Bay City, TX (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $8,620 | 5.50% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $6,372 | 5.29% |
| Pearsall, TX (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $7,949 | 5.19% |
| Dumas, TX (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,998 | 5.06% |
| Seymour, IN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,587 | 5.00% |
| TYLER, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,988 | 5.13% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,774 | 4.50% |
| Greensburg, IN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,360 | 5.00% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,558 | 5.13% |
| Wilmington, OH (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,063 | 4.81% |
| Helena, MT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,453 | 5.25% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,993 | 5.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,300 | 5.00% |
| Granbury, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,987 | 4.75% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,165 | 5.75% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,908 | 3.88% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,421 | 5.63% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,478 | 4.81% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,175 | 4.13% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,481 | 5.63% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,931 | 4.13% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,788 | 5.25% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,776 | 5.75% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,549 | 4.88% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,614 | 5.00% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,005 | 4.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $3,901 | 4.63% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,820 | 5.00% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,206 | 5.63% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,852 | 4.75% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,471 | 5.00% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,375 | 5.13% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,546 | 5.00% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,774 | 4.50% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,424 | 4.13% |
| El Campo, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,136 | 5.63% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,917 | 4.88% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,190 | 5.50% |
| Athens, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,743 | 5.50% |
| Borger, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,005 | 5.63% |
| Hereford, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,414 | 5.00% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,747 | 6.13% |
| Raymondville, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,451 | 5.50% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,920 | 4.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,231 | 6.13% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,272 | 4.88% |
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.
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Product Mix
For 2018, Nations Reliable Lending's most frequently originated type of loan was Conventional, with 796 originations. Their 2nd most popular type was FHA, with 714 originations.
Loan Reason
For 2018, Nations Reliable Lending's most frequently cited loan purpose was Home Purchase, with 1,574 originations. The 2nd most popular reason was Cash Out Refi, with 83 originations.
Loan Duration/Length
For 2018, Nations Reliable Lending's most frequently cited loan duration was 30 Year, with 1,654 originations. The 2nd most popular length was 15 Year, with 36 originations.
Origination Fees/Closing Costs
Nations Reliable Lending's average total fees were $7,183, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 748 originations.
Interest Rates
During 2018, Nations Reliable Lending's average interest rate for loans was 5.13%, while their most frequently originated rate bucket for loans was 5-6%, with 836 originations.
Loan Sizing
2018 saw Nations Reliable Lending place emphasis on $100k-200k loans with 830 originations, totaling $127,630,000 in origination value.
Applicant Income
Nations Reliable Lending lent most frequently to those with incomes in the $50k-75k range, with 534 originations. The second most popular income band? $50k or less, with 401 originations.
Applicant Debt to Income Ratio
Nations Reliable Lending lent most frequently to those with DTI ratios of 50-60%, with 279 originations. The next most common DTI ratio? 30-36%, with 248 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.61%
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 origination72.18%
Nations Reliable Lending has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,700 | $352,830,000 | $207,547 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 36 | $4,610,000 | $128,056 |
| Single Family (1-4 Units):Site-Built | 1,664 | $348,220,000 | $209,267 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| NATIONS RELIABLE LENDING | Other type of mortgage | Trouble during payment process | 1 | 20.0% |
| NATIONS RELIABLE LENDING | FHA mortgage | Trouble during payment process | 1 | 20.0% |
| NATIONS RELIABLE LENDING | FHA mortgage | Closing on a mortgage | 2 | 40.0% |
| NATIONS RELIABLE LENDING | Conventional home mortgage | Closing on a mortgage | 1 | 20.0% |