Nations Reliable Lending Mortgage Rates, Fees & Info

DOVER, DE

LEI: 549300JKR164SLNO6Y85

Tax ID: 20-5973457

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Mortgage Data

Review & Overview

Nations Reliable Lending is a small 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, Riverside, and Dallas among others. We have data for 170 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.

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% 3/28/24
30 Year Conventional Refi 6.72% 3/28/24
30 Year Cash-out Refi 6.97% 3/28/24
30 Year FHA Purchase 7.74% 3/28/24
30 Year FHA Refi 7.62% 3/28/24
30 Year VA Purchase 6.58% 3/28/24
30 Year VA Refi 6.11% 3/28/24
30 Year USDA Purchase 7.21% 3/28/24
15 Year Conventional Purchase 6.50% 3/28/24
15 Year Conventional Refi 6.22% 3/28/24
15 Year Cash-out Refi 6.22% 3/28/24
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

6,021

Origination Dollar Volume (All Markets)

$1,307,695,000

Awards

NATIONS RELIABLE LENDING USDA Loans gold
Show all (1) awards

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) 1,860 $393,850,000 $211,747 $7,646 4.66%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 733 $203,075,000 $277,046 $7,597 4.25%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 714 $122,750,000 $171,919 $5,970 4.58%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 218 $66,410,000 $304,633 $7,042 4.45%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 261 $62,765,000 $240,479 $7,528 4.60%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 278 $60,200,000 $216,547 $8,275 4.40%
AMARILLO, TX (FHA|USDA|VA) 219 $41,235,000 $188,288 $8,104 4.74%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 174 $27,530,000 $158,218 $5,566 4.56%
OCALA, FL (FHA|USDA|VA) 171 $26,395,000 $154,357 $5,391 4.47%
ODESSA, TX (FHA|USDA|VA) 104 $21,630,000 $207,981 $8,112 4.78%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 103 $20,515,000 $199,175 $8,653 4.64%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 41 $18,815,000 $458,902 $7,392 4.25%
Outside of Metro Areas 112 $17,940,000 $160,179 $5,671 4.64%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 37 $16,665,000 $450,405 $7,319 4.21%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 78 $16,020,000 $205,385 $8,296 5.14%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 103 $15,725,000 $152,670 $7,613 4.71%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 58 $14,170,000 $244,310 $6,106 4.38%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 31 $12,005,000 $387,258 $8,586 4.49%
THE VILLAGES, FL (FHA|USDA|VA) 58 $11,190,000 $192,931 $5,009 4.33%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 41 $8,045,000 $196,220 $5,379 4.48%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 24 $7,780,000 $324,167 $7,648 4.44%
URBAN HONOLULU, HI (FHA|USDA|VA) 14 $7,590,000 $542,143 $9,171 4.28%
MIDLAND, TX (FHA|USDA|VA) 27 $6,315,000 $233,889 $9,561 4.67%
CORPUS CHRISTI, TX (FHA|USDA|VA) 33 $6,215,000 $188,333 $8,712 5.21%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 34 $5,450,000 $160,294 $6,868 4.54%
DAYTON-KETTERING, OH (FHA|USDA|VA) 35 $5,105,000 $145,857 $5,445 5.02%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 16 $4,980,000 $311,250 $8,893 4.55%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 18 $4,210,000 $233,889 $8,133 4.99%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 19 $3,645,000 $191,842 $5,315 4.15%
VICTORIA, TX (FHA|USDA|VA) 23 $3,635,000 $158,043 $7,257 5.09%
GREELEY, CO (FHA|USDA|VA) 11 $3,535,000 $321,364 $6,265 4.51%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 21 $3,295,000 $156,905 $7,569 4.77%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 13 $3,145,000 $241,923 $5,889 4.76%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 12 $2,870,000 $239,167 $7,231 4.44%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 15 $2,665,000 $177,667 $5,632 4.74%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 12 $2,480,000 $206,667 $6,272 5.22%
LUBBOCK, TX (FHA|USDA|VA) 18 $2,310,000 $128,333 $6,657 5.07%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 9 $2,005,000 $222,778 $5,829 4.18%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $1,575,000 $525,000 $7,079 4.12%
COLUMBUS, OH (FHA|USDA|VA) 7 $1,495,000 $213,571 $5,697 5.23%
COLORADO SPRINGS, CO (FHA|USDA|VA) 4 $1,240,000 $310,000 $6,953 4.75%
Borger, TX (FHA|USDA|VA) 10 $1,220,000 $122,000 $5,397 4.88%
SHERMAN-DENISON, TX (FHA|USDA|VA) 8 $1,200,000 $150,000 $6,520 5.02%
Fort Morgan, CO (FHA|USDA|VA) 7 $1,185,000 $169,286 $5,224 4.50%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 6 $1,140,000 $190,000 $8,171 4.92%
SPRINGFIELD, MO (FHA|USDA|VA) 7 $1,095,000 $156,429 $6,049 4.73%
JOHNSON CITY, TN (FHA|USDA|VA) 5 $1,085,000 $217,000 $7,606 4.33%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $1,065,000 $355,000 $6,442 4.62%
FORT COLLINS, CO (FHA|USDA|VA) 3 $1,055,000 $351,667 $9,518 4.38%
YUBA CITY, CA (FHA|USDA|VA) 2 $1,030,000 $515,000 $9,431 3.69%
Huntsville, TX (FHA|USDA|VA) 5 $995,000 $199,000 $6,823 4.03%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $905,000 $181,000 $6,626 4.42%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $895,000 $298,333 $7,240 4.29%
BATON ROUGE, LA (FHA|USDA|VA) 3 $775,000 $258,333 $7,253 3.50%
OKLAHOMA CITY, OK (FHA|USDA|VA) 5 $765,000 $153,000 $6,783 4.43%
WACO, TX (FHA|USDA|VA) 4 $750,000 $187,500 $7,283 4.19%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $730,000 $182,500 $7,478 5.41%
TOLEDO, OH (FHA|USDA|VA) 5 $725,000 $145,000 $5,674 4.50%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 6 $720,000 $120,000 $7,501 5.15%
Dumas, TX (FHA|USDA|VA) 5 $715,000 $143,000 $7,600 5.35%
ABILENE, TX (FHA|USDA|VA) 4 $690,000 $172,500 $4,633 4.78%
Rio Grande City-Roma, TX (FHA|USDA|VA) 4 $680,000 $170,000 $6,589 5.16%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $680,000 $340,000 $12,234 4.75%
BOISE CITY, ID (FHA|USDA|VA) 2 $630,000 $315,000 $5,065 4.25%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $625,000 $208,333 $5,476 4.00%
SAN ANGELO, TX (FHA|USDA|VA) 2 $610,000 $305,000 $5,357 3.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $595,000 $595,000 $12,586 4.25%
Wilmington, OH (FHA|USDA|VA) 3 $585,000 $195,000 $6,782 4.04%
Sterling, CO (FHA|USDA|VA) 3 $555,000 $185,000 $5,198 4.42%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $550,000 $275,000 $6,820 4.13%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $525,000 $175,000 $6,832 4.71%
Lake City, FL (FHA|USDA|VA) 2 $520,000 $260,000 $4,279 4.88%
LOUISVILLE, KY (FHA|USDA|VA) 3 $515,000 $171,667 $5,909 4.58%
Hereford, TX (FHA|USDA|VA) 2 $510,000 $255,000 $8,024 4.88%
Ukiah, CA (FHA|USDA|VA) 1 $485,000 $485,000 $0 4.63%
Pampa, TX (FHA|USDA|VA) 4 $480,000 $120,000 $6,449 5.00%
Aberdeen, WA (FHA|USDA|VA) 2 $480,000 $240,000 $6,777 4.69%
Shelton, WA (FHA|USDA|VA) 2 $480,000 $240,000 $4,807 4.38%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $460,000 $230,000 $7,718 4.06%
KNOXVILLE, TN (FHA|USDA|VA) 2 $440,000 $220,000 $4,131 4.94%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $435,000 $435,000 $6,262 5.25%
Rockport, TX (FHA|USDA|VA) 2 $430,000 $215,000 $4,280 4.44%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $425,000 $425,000 $6,940 4.88%
Kerrville, TX (FHA|USDA|VA) 2 $420,000 $210,000 $5,685 4.13%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $415,000 $415,000 $4,308 4.00%
Corsicana, TX (FHA|USDA|VA) 2 $410,000 $205,000 $8,846 4.19%
Moses Lake, WA (FHA|USDA|VA) 2 $400,000 $200,000 $5,728 4.56%
Gainesville, TX (FHA|USDA|VA) 2 $390,000 $195,000 $7,837 3.81%
TYLER, TX (FHA|USDA|VA) 3 $385,000 $128,333 $7,141 5.42%
CHICO, CA (FHA|USDA|VA) 1 $375,000 $375,000 $4,702 5.88%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $370,000 $185,000 $9,254 5.13%
Scottsburg, IN (FHA|USDA|VA) 1 $355,000 $355,000 $3,791 4.75%
EL PASO, TX (FHA|USDA|VA) 2 $350,000 $175,000 $8,963 4.06%
HAMMOND, LA (FHA|USDA|VA) 2 $350,000 $175,000 $5,094 4.00%
GAINESVILLE, FL (FHA|USDA|VA) 2 $340,000 $170,000 $7,482 5.13%
Bemidji, MN (FHA|USDA|VA) 2 $330,000 $165,000 $6,011 5.19%
Clearlake, CA (FHA|USDA|VA) 2 $330,000 $165,000 $6,310 4.69%
Bonham, TX (FHA|USDA|VA) 2 $330,000 $165,000 $7,876 4.94%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $325,000 $325,000 $4,395 4.63%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $325,000 $325,000 $9,086 4.00%
Ruidoso, NM (FHA|USDA|VA) 1 $315,000 $315,000 $4,617 4.13%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $300,000 $150,000 $6,022 4.38%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $295,000 $295,000 $12,096 5.25%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $290,000 $145,000 $6,069 4.69%
Granbury, TX (FHA|USDA|VA) 1 $285,000 $285,000 $11,006 5.75%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $285,000 $285,000 $14,233 4.25%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $285,000 $285,000 $5,002 3.75%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $285,000 $285,000 $3,148 4.75%
WENATCHEE, WA (FHA|USDA|VA) 1 $285,000 $285,000 $8,037 4.50%
Beeville, TX (FHA|USDA|VA) 2 $270,000 $135,000 $9,190 5.06%
TULSA, OK (FHA|USDA|VA) 1 $265,000 $265,000 $5,419 3.75%
Kingsville, TX (FHA|USDA|VA) 1 $265,000 $265,000 $1,800 3.63%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $265,000 $265,000 $3,508 4.88%
Levelland, TX (FHA|USDA|VA) 3 $265,000 $88,333 $5,356 5.08%
LONGVIEW, TX (FHA|USDA|VA) 2 $260,000 $130,000 $4,603 4.44%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $255,000 $255,000 $5,474 4.63%
Connersville, IN (FHA|USDA|VA) 3 $255,000 $85,000 $3,427 4.58%
FRESNO, CA (FHA|USDA|VA) 1 $255,000 $255,000 $6,163 3.63%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $3,694 3.88%
MANHATTAN, KS (FHA|USDA|VA) 1 $225,000 $225,000 $6,078 3.75%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $215,000 $215,000 $3,414 4.00%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $215,000 $215,000 $11,525 4.75%
Centralia, WA (FHA|USDA|VA) 1 $215,000 $215,000 $7,318 4.38%
El Campo, TX (FHA|USDA|VA) 2 $210,000 $105,000 $4,469 4.63%
Madison, IN (FHA|USDA|VA) 1 $195,000 $195,000 $5,482 4.25%
MIDLAND, MI (FHA|USDA|VA) 1 $195,000 $195,000 $6,665 4.63%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $195,000 $195,000 $7,752 3.75%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $195,000 $195,000 $9,181 3.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.50%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $195,000 $195,000 $10,173 4.63%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $195,000 $195,000 $4,498 4.63%
Greensburg, IN (FHA|USDA|VA) 1 $185,000 $185,000 $7,146 4.63%
Andrews, TX (FHA|USDA|VA) 1 $175,000 $175,000 $8,633 4.13%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $175,000 $175,000 $5,421 5.63%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $175,000 $175,000 $3,615 5.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $170,000 $85,000 $0 5.38%
Alice, TX (FHA|USDA|VA) 1 $165,000 $165,000 $10,241 4.63%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $6,293 5.63%
Ruston, LA (FHA|USDA|VA) 1 $165,000 $165,000 $6,414 5.25%
Frankfort, IN (FHA|USDA|VA) 1 $155,000 $155,000 $7,631 5.13%
Enterprise, AL (FHA|USDA|VA) 1 $155,000 $155,000 $5,392 4.25%
HINESVILLE, GA (FHA|USDA|VA) 1 $155,000 $155,000 $2,610 4.63%
Wapakoneta, OH (FHA|USDA|VA) 1 $155,000 $155,000 $2,521 4.00%
Fort Payne, AL (FHA|USDA|VA) 1 $145,000 $145,000 $3,240 4.50%
Bellefontaine, OH (FHA|USDA|VA) 1 $145,000 $145,000 $7,862 4.75%
Big Spring, TX (FHA|USDA|VA) 1 $135,000 $135,000 $4,785 5.13%
Pearsall, TX (FHA|USDA|VA) 1 $135,000 $135,000 $2,235 4.50%
MOBILE, AL (FHA|USDA|VA) 1 $135,000 $135,000 $7,178 4.63%
Bedford, IN (FHA|USDA|VA) 1 $135,000 $135,000 $6,568 5.00%
KANKAKEE, IL (FHA|USDA|VA) 1 $135,000 $135,000 $7,131 4.00%
FLINT, MI (FHA|USDA|VA) 1 $125,000 $125,000 $5,989 4.13%
Statesboro, GA (FHA|USDA|VA) 1 $125,000 $125,000 $7,203 5.38%
Ottawa, IL (FHA|USDA|VA) 1 $125,000 $125,000 $6,654 3.88%
Brenham, TX (FHA|USDA|VA) 1 $125,000 $125,000 $7,380 4.63%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $125,000 $125,000 $4,338 4.38%
Zanesville, OH (FHA|USDA|VA) 1 $115,000 $115,000 $4,121 4.75%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,816 4.38%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $105,000 $105,000 $4,773 4.13%
Bay City, TX (FHA|USDA|VA) 1 $105,000 $105,000 $4,043 5.50%
NILES, MI (FHA|USDA|VA) 1 $105,000 $105,000 $5,796 5.13%
Stillwater, OK (FHA|USDA|VA) 1 $95,000 $95,000 $3,320 4.25%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $95,000 $95,000 $4,050 4.75%
SAVANNAH, GA (FHA|USDA|VA) 1 $95,000 $95,000 $5,550 5.00%
Athens, TX (FHA|USDA|VA) 1 $85,000 $85,000 $5,457 4.38%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $85,000 $85,000 $6,281 5.63%
Alexander City, AL (FHA|USDA|VA) 1 $85,000 $85,000 $4,907 4.25%
Peru, IN (FHA|USDA|VA) 1 $75,000 $75,000 $2,894 4.63%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $65,000 $65,000 $1,780 4.75%
SAGINAW, MI (FHA|USDA|VA) 1 $65,000 $65,000 $4,038 4.63%
Safford, AZ (FHA|USDA|VA) 1 $65,000 $65,000 $3,798 5.38%
Nations Reliable Lending's top markets include Houston, Austin, Cincinnati, Riverside, and Dallas among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,936 $670,110,000 $228,239 $5,801 4.44%
    FHA 2,373 $460,405,000 $194,018 $9,185 4.80%
    VA 548 $150,480,000 $274,599 $6,945 4.32%
    USDA 164 $26,700,000 $162,805 $5,875 4.38%

    For 2019, Nations Reliable Lending's most frequently originated type of loan was Conventional, with 2,936 originations. Their 2nd most popular type was FHA, with 2,373 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,212 $1,102,310,000 $211,495 $7,416 4.63%
    Refi 479 $123,235,000 $257,276 $5,446 3.95%
    Cash Out Refi 322 $80,050,000 $248,602 $6,182 4.56%
    Home Improvement 8 $2,100,000 $262,500 $5,083 4.33%

    For 2019, Nations Reliable Lending's most frequently cited loan purpose was Home Purchase, with 5,212 originations. The 2nd most popular reason was Refi, with 479 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,801 $1,262,255,000 $217,593 $7,235 4.59%
    15 Year 164 $33,040,000 $201,463 $5,559 3.87%
    20 Year 39 $8,475,000 $217,308 $6,479 4.02%
    10 Year 8 $750,000 $93,750 $4,904 4.20%
    Other 8 $2,330,000 $291,250 $5,944 4.00%
    30+ year 1 $845,000 $845,000 $0 5.63%

    For 2019, Nations Reliable Lending's most frequently cited loan duration was 30 Year, with 5,801 originations. The 2nd most popular length was 15 Year, with 164 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,633 $555,015,000 $210,792
    $2k-3k 1,114 $213,480,000 $191,634
    $3k-4k 817 $169,665,000 $207,668
    $5k+ 531 $152,665,000 $287,505
    $<1k 474 $107,410,000 $226,603
    $4k-5k 441 $107,095,000 $242,846

    Nations Reliable Lending's average total fees were $7,235, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,633 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 3,015 $636,445,000 $211,093
    3-4% 1,495 $390,895,000 $261,468
    5-6% 1,473 $271,555,000 $184,355
    6-7% 17 $2,775,000 $163,235
    2.5-3% 15 $4,725,000 $315,000
    Over 8% 3 $515,000 $171,667
    7-8% 2 $590,000 $295,000
    <2.5% 1 $195,000 $195,000

    During 2019, Nations Reliable Lending's average interest rate for loans was 4.59%, while their most frequently originated rate bucket for loans was 4-5%, with 3,015 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 2,679 $413,725,000 $154,433 $6,316 4.72%
    $200k-400k 2,549 $687,235,000 $269,610 $8,173 4.43%
    $100,000 or less 432 $34,280,000 $79,352 $4,547 4.80%
    $400k-600k 329 $149,845,000 $455,456 $8,899 4.21%
    $600k-1MM 32 $22,610,000 $706,563 $9,035 4.11%

    2019 saw Nations Reliable Lending place emphasis on $100k-200k loans with 2,679 originations, totaling $413,725,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,913 $351,725,000 $183,860 $6,882 4.67%
    $100k-150k 1,168 $314,600,000 $269,349 $7,918 4.44%
    $50k or less 1,159 $163,935,000 $141,445 $5,934 4.63%
    $75k-100k 1,138 $264,420,000 $232,355 $7,912 4.59%
    $150k-250k 479 $158,435,000 $330,762 $7,809 4.37%
    $250k+ 126 $41,070,000 $325,952 $7,692 4.57%

    Nations Reliable Lending lent most frequently to those with incomes in the $50k-75k range, with 1,913 originations. The second most popular income band? $100k-150k, with 1,168 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 925 $198,665,000 $214,773 $9,322 4.74%
    30-36% 889 $190,745,000 $214,561 $6,607 4.50%
    20-30% 701 $145,715,000 $207,867 $6,213 4.39%
    44% 298 $70,350,000 $236,074 $6,989 4.62%
    49% 286 $65,650,000 $229,545 $7,429 4.62%
    43% 264 $57,800,000 $218,939 $7,167 4.62%
    42% 260 $57,020,000 $219,308 $6,755 4.55%
    41% 253 $55,865,000 $220,810 $7,110 4.57%
    39% 229 $51,135,000 $223,297 $6,970 4.55%
    47% 228 $48,520,000 $212,807 $7,425 4.65%
    40% 220 $45,940,000 $208,818 $6,940 4.56%
    48% 212 $46,070,000 $217,311 $7,415 4.63%
    46% 208 $47,170,000 $226,779 $7,752 4.70%
    36% 202 $39,490,000 $195,495 $6,657 4.61%
    45% 201 $41,945,000 $208,682 $7,085 4.67%
    37% 195 $43,395,000 $222,538 $7,029 4.67%
    38% 183 $39,915,000 $218,115 $6,945 4.61%
    <20% 140 $26,480,000 $189,143 $5,712 4.32%
    >60% 29 $7,945,000 $273,966 $8,183 4.40%

    Nations Reliable Lending lent most frequently to those with DTI ratios of 50-60%, with 925 originations. The next most common DTI ratio? 30-36%, with 889 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,827 $1,038,825,000 $215,211 $7,003 4.55%
    Black 718 $154,570,000 $215,279 $8,106 4.80%
    Not provided 265 $61,155,000 $230,774 $7,581 4.43%
    Asian 157 $40,635,000 $258,822 $7,765 4.36%
    American Indian 40 $8,290,000 $207,250 $7,714 4.63%
    Native Hawaiian or Islander 7 $2,625,000 $375,000 $9,208 4.36%
    Asian Indian 4 $660,000 $165,000 $6,264 4.84%
    Other Asian 2 $550,000 $275,000 $11,881 4.75%
    Filipino 1 $385,000 $385,000 $13,538 4.63%

    Approval Rates

    Total approvals of all applications
    97.80%

    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
    79.24%

    Nations Reliable Lending has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,021 $1,307,695,000 $217,189

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 84 $11,550,000 $137,500
    Single Family (1-4 Units):Site-Built 5,937 $1,296,145,000 $218,316

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 52 $6,570,000 $126,346 $4,447 4.31%
    40-60% 208 $42,300,000 $203,365 $5,167 4.23%
    60-80% 1,039 $243,015,000 $233,893 $5,888 4.44%
    80-100% 4,564 $969,530,000 $212,430 $7,509 4.63%
    Over 100% 123 $35,015,000 $284,675 $11,010 4.41%
    Under 20% 2 $120,000 $60,000 $4,722 4.25%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    NATIONS RELIABLE LENDING FHA mortgage Closing on a mortgage 1 100.0%