Nations Reliable Lending Mortgage Rates, Fees & Info

DOVER, DE

LEI: 549300JKR164SLNO6Y85

Tax ID: 20-5973457

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

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    • Review & 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 by origination volume include: Houston, Austin, Cincinnati, Dallas, and Riverside among others. We have data for 251 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% 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






    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

    11,106

    Origination Dollar Volume (All Markets)

    $2,698,830,000
    Show all (14) 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) 3,142 $747,370,000 $237,864 $7,372 3.33%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1,213 $372,625,000 $307,193 $5,876 3.09%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1,493 $289,875,000 $194,156 $5,533 3.29%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 722 $196,090,000 $271,593 $6,002 3.08%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 454 $137,970,000 $303,899 $6,068 3.19%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 348 $87,420,000 $251,207 $7,552 3.18%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 161 $62,335,000 $387,174 $4,657 3.03%
    AMARILLO, TX (FHA|USDA|VA) 281 $61,255,000 $217,989 $8,497 3.38%
    Outside of Metro Areas 255 $50,475,000 $197,941 $5,318 3.34%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 286 $48,670,000 $170,175 $4,926 3.22%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 110 $45,030,000 $409,364 $6,059 3.03%
    OCALA, FL (FHA|USDA|VA) 251 $44,825,000 $178,586 $5,014 3.22%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 175 $38,495,000 $219,971 $7,098 3.38%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 140 $38,220,000 $273,000 $5,413 3.03%
    ODESSA, TX (FHA|USDA|VA) 147 $32,485,000 $220,986 $8,046 3.57%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 174 $30,430,000 $174,885 $7,987 3.56%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 91 $30,045,000 $330,165 $7,652 3.19%
    THE VILLAGES, FL (FHA|USDA|VA) 131 $29,965,000 $228,740 $4,662 3.15%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 135 $23,805,000 $176,333 $6,393 3.45%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 70 $19,160,000 $273,714 $6,990 3.12%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 85 $18,235,000 $214,529 $3,986 3.26%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 64 $17,560,000 $274,375 $8,271 3.77%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 38 $13,330,000 $350,789 $6,182 3.21%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 59 $13,265,000 $224,831 $5,455 3.23%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 61 $11,945,000 $195,820 $5,325 3.40%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 27 $8,405,000 $311,296 $5,635 3.24%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 44 $7,620,000 $173,182 $7,152 3.66%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 31 $6,575,000 $212,097 $5,291 3.24%
    MIDLAND, TX (FHA|USDA|VA) 28 $6,570,000 $234,643 $13,252 3.53%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 27 $6,535,000 $242,037 $5,574 3.13%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 26 $5,980,000 $230,000 $5,370 3.18%
    COLUMBUS, OH (FHA|USDA|VA) 23 $5,825,000 $253,261 $4,982 2.89%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 24 $5,680,000 $236,667 $6,006 3.19%
    KNOXVILLE, TN (FHA|USDA|VA) 23 $5,495,000 $238,913 $4,652 3.03%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 17 $5,145,000 $302,647 $6,728 3.58%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 19 $5,015,000 $263,947 $6,463 2.97%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 14 $4,920,000 $351,429 $5,489 3.10%
    VICTORIA, TX (FHA|USDA|VA) 22 $4,420,000 $200,909 $6,494 3.46%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 17 $4,215,000 $247,941 $5,412 3.05%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 17 $3,935,000 $231,471 $5,905 3.49%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 9 $3,875,000 $430,556 $5,357 2.93%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 10 $3,720,000 $372,000 $6,059 2.99%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 19 $3,505,000 $184,474 $6,613 3.30%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 13 $3,305,000 $254,231 $7,295 3.51%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 18 $3,170,000 $176,111 $7,948 3.63%
    FORT COLLINS, CO (FHA|USDA|VA) 8 $3,010,000 $376,250 $6,087 3.30%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 12 $2,970,000 $247,500 $5,220 3.04%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 8 $2,940,000 $367,500 $6,547 2.92%
    Clearlake, CA (FHA|USDA|VA) 12 $2,830,000 $235,833 $4,936 3.73%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 11 $2,785,000 $253,182 $7,941 3.25%
    Fort Morgan, CO (FHA|USDA|VA) 11 $2,715,000 $246,818 $5,528 3.77%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 6 $2,680,000 $446,667 $4,119 2.71%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $2,355,000 $336,429 $4,630 3.03%
    GAINESVILLE, FL (FHA|USDA|VA) 14 $2,340,000 $167,143 $6,006 3.52%
    RACINE, WI (FHA|USDA|VA) 14 $2,260,000 $161,429 $4,581 3.29%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 9 $2,245,000 $249,444 $4,407 2.89%
    Huntsville, TX (FHA|USDA|VA) 11 $2,155,000 $195,909 $8,825 3.52%
    LUBBOCK, TX (FHA|USDA|VA) 9 $1,955,000 $217,222 $7,107 3.24%
    MADISON, WI (FHA|USDA|VA) 8 $1,810,000 $226,250 $4,474 3.23%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $1,780,000 $296,667 $5,587 3.06%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 11 $1,745,000 $158,636 $3,953 3.08%
    STOCKTON, CA (FHA|USDA|VA) 6 $1,740,000 $290,000 $4,771 2.65%
    TOLEDO, OH (FHA|USDA|VA) 10 $1,570,000 $157,000 $5,468 3.66%
    SAVANNAH, GA (FHA|USDA|VA) 5 $1,565,000 $313,000 $4,973 2.98%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,505,000 $301,000 $7,996 3.47%
    BATON ROUGE, LA (FHA|USDA|VA) 7 $1,415,000 $202,143 $5,167 3.36%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 6 $1,350,000 $225,000 $4,162 3.21%
    WACO, TX (FHA|USDA|VA) 7 $1,335,000 $190,714 $5,012 3.45%
    Outside of Metro Areas 4 $1,290,000 $322,500 $4,231 2.97%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $1,245,000 $415,000 $4,373 3.33%
    Platteville, WI (FHA|USDA|VA) 8 $1,240,000 $155,000 $3,468 3.58%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $1,200,000 $300,000 $6,548 3.41%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,190,000 $297,500 $4,737 2.91%
    SAN ANGELO, TX (FHA|USDA|VA) 6 $1,190,000 $198,333 $5,190 3.25%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 5 $1,175,000 $235,000 $7,618 3.32%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $1,165,000 $388,333 $4,655 2.75%
    CHICO, CA (FHA|USDA|VA) 3 $1,155,000 $385,000 $4,951 3.04%
    LAFAYETTE, LA (FHA|USDA|VA) 5 $1,095,000 $219,000 $4,917 3.18%
    GREELEY, CO (FHA|USDA|VA) 4 $1,090,000 $272,500 $6,762 3.22%
    Whitewater, WI (FHA|USDA|VA) 4 $1,090,000 $272,500 $6,150 2.78%
    Beaver Dam, WI (FHA|USDA|VA) 5 $1,075,000 $215,000 $5,794 3.40%
    Rockport, TX (FHA|USDA|VA) 3 $1,055,000 $351,667 $8,665 3.50%
    JACKSONVILLE, FL (FHA|USDA|VA) 4 $1,050,000 $262,500 $6,645 2.91%
    Pearsall, TX (FHA|USDA|VA) 6 $1,040,000 $173,333 $6,383 3.63%
    FLINT, MI (FHA|USDA|VA) 5 $1,035,000 $207,000 $5,613 3.33%
    ROCHESTER, MN (FHA|USDA|VA) 3 $1,025,000 $341,667 $10,754 3.79%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $1,025,000 $205,000 $5,620 3.33%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $1,000,000 $250,000 $4,350 3.38%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $995,000 $331,667 $8,592 3.79%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $995,000 $995,000 $3,879 3.88%
    FLAGSTAFF, AZ (FHA|USDA|VA) 3 $995,000 $331,667 $10,052 4.54%
    EL PASO, TX (FHA|USDA|VA) 6 $960,000 $160,000 $5,682 3.50%
    Wilmington, OH (FHA|USDA|VA) 5 $945,000 $189,000 $7,463 3.17%
    Port Lavaca, TX (FHA|USDA|VA) 2 $940,000 $470,000 $8,492 3.44%
    Greensburg, IN (FHA|USDA|VA) 4 $900,000 $225,000 $4,954 3.31%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 6 $890,000 $148,333 $4,421 3.33%
    Nacogdoches, TX (FHA|USDA|VA) 4 $880,000 $220,000 $5,032 3.38%
    Dumas, TX (FHA|USDA|VA) 7 $865,000 $123,571 $6,456 3.57%
    ABILENE, TX (FHA|USDA|VA) 5 $835,000 $167,000 $3,712 3.15%
    El Campo, TX (FHA|USDA|VA) 4 $830,000 $207,500 $9,642 3.22%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $810,000 $405,000 $4,303 3.06%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $800,000 $400,000 $3,358 2.56%
    LONGVIEW, TX (FHA|USDA|VA) 4 $790,000 $197,500 $5,053 3.53%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $790,000 $197,500 $4,282 3.00%
    Granbury, TX (FHA|USDA|VA) 4 $790,000 $197,500 $5,062 2.75%
    ALTOONA, PA (FHA|USDA|VA) 3 $775,000 $258,333 $8,182 2.71%
    GREEN BAY, WI (FHA|USDA|VA) 3 $755,000 $251,667 $3,482 3.00%
    Lake City, FL (FHA|USDA|VA) 4 $750,000 $187,500 $5,446 3.19%
    Mount Pleasant, TX (FHA|USDA|VA) 2 $750,000 $375,000 $5,952 2.63%
    TYLER, TX (FHA|USDA|VA) 4 $720,000 $180,000 $4,779 3.44%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $720,000 $360,000 $11,503 2.56%
    PITTSBURGH, PA (FHA|USDA|VA) 3 $715,000 $238,333 $5,257 2.71%
    Shelton, WA (FHA|USDA|VA) 2 $680,000 $340,000 $8,465 2.88%
    Andrews, TX (FHA|USDA|VA) 4 $670,000 $167,500 $5,731 3.16%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $660,000 $330,000 $7,059 3.25%
    Toccoa, GA (FHA|USDA|VA) 3 $655,000 $218,333 $8,152 3.75%
    ST. CLOUD, MN (FHA|USDA|VA) 3 $655,000 $218,333 $8,844 4.50%
    Kerrville, TX (FHA|USDA|VA) 3 $635,000 $211,667 $5,864 3.13%
    Palatka, FL (FHA|USDA|VA) 3 $625,000 $208,333 $3,693 3.29%
    MOBILE, AL (FHA|USDA|VA) 5 $625,000 $125,000 $4,167 3.38%
    APPLETON, WI (FHA|USDA|VA) 4 $620,000 $155,000 $4,352 3.22%
    SALISBURY, MD-DE (FHA|USDA|VA) 3 $605,000 $201,667 $6,164 3.46%
    Somerset, PA (FHA|USDA|VA) 7 $605,000 $86,429 $5,175 3.50%
    WICHITA FALLS, TX (FHA|USDA|VA) 3 $585,000 $195,000 $4,659 3.25%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $575,000 $191,667 $6,033 3.58%
    LAREDO, TX (FHA|USDA|VA) 2 $570,000 $285,000 $6,596 2.69%
    Bemidji, MN (FHA|USDA|VA) 3 $565,000 $188,333 $7,050 4.54%
    Key West, FL (FHA|USDA|VA) 1 $545,000 $545,000 $9,994 3.99%
    Sterling, CO (FHA|USDA|VA) 3 $525,000 $175,000 $8,515 3.88%
    Sulphur Springs, TX (FHA|USDA|VA) 3 $525,000 $175,000 $7,889 3.67%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $520,000 $260,000 $3,379 3.38%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $515,000 $515,000 $6,834 2.88%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $515,000 $515,000 $5,757 2.75%
    Uvalde, TX (FHA|USDA|VA) 2 $510,000 $255,000 $10,304 3.31%
    BILLINGS, MT (FHA|USDA|VA) 1 $505,000 $505,000 $4,301 2.88%
    Breckenridge, CO (FHA|USDA|VA) 1 $505,000 $505,000 $2,352 2.75%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $505,000 $505,000 $5,726 3.00%
    SALINAS, CA (FHA|USDA|VA) 1 $505,000 $505,000 $13,268 2.63%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $485,000 $485,000 $4,365 2.75%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $480,000 $240,000 $5,277 4.94%
    TULSA, OK (FHA|USDA|VA) 4 $480,000 $120,000 $6,333 3.38%
    Gainesville, TX (FHA|USDA|VA) 2 $480,000 $240,000 $8,047 3.63%
    Nogales, AZ (FHA|USDA|VA) 1 $475,000 $475,000 $6,236 3.38%
    Sandpoint, ID (FHA|USDA|VA) 1 $475,000 $475,000 $7,234 4.00%
    RICHMOND, VA (FHA|USDA|VA) 2 $470,000 $235,000 $5,978 2.94%
    JOHNSTOWN, PA (FHA|USDA|VA) 3 $455,000 $151,667 $5,599 3.00%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $450,000 $225,000 $7,870 3.31%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $450,000 $225,000 $8,280 4.13%
    MANSFIELD, OH (FHA|USDA|VA) 1 $415,000 $415,000 $4,221 2.88%
    Norwalk, OH (FHA|USDA|VA) 3 $415,000 $138,333 $4,387 2.42%
    LOUISVILLE, KY (FHA|USDA|VA) 2 $410,000 $205,000 $3,474 3.13%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $405,000 $405,000 $1,486 3.13%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $390,000 $195,000 $8,523 3.69%
    SUMTER, SC (FHA|USDA|VA) 1 $385,000 $385,000 $2,937 2.50%
    Kingsville, TX (FHA|USDA|VA) 2 $370,000 $185,000 $3,235 3.13%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $370,000 $185,000 $7,024 3.13%
    Richmond, IN (FHA|USDA|VA) 1 $365,000 $365,000 $9,681 3.50%
    BAKERSFIELD, CA (FHA|USDA|VA) 2 $360,000 $180,000 $7,342 2.94%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $355,000 $355,000 $9,379 4.13%
    Brainerd, MN (FHA|USDA|VA) 2 $350,000 $175,000 $8,790 4.00%
    Corsicana, TX (FHA|USDA|VA) 2 $350,000 $175,000 $3,984 3.06%
    Bay City, TX (FHA|USDA|VA) 1 $345,000 $345,000 $8,785 3.63%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $340,000 $170,000 $5,777 3.87%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $335,000 $335,000 $3,293 2.50%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $335,000 $335,000 $4,074 3.13%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $325,000 $325,000 $4,323 3.75%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $325,000 $325,000 $12,754 3.63%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $315,000 $315,000 $7,205 3.13%
    Borger, TX (FHA|USDA|VA) 3 $315,000 $105,000 $4,375 3.54%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $310,000 $155,000 $5,509 3.31%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $310,000 $155,000 $4,670 3.88%
    Seymour, IN (FHA|USDA|VA) 1 $305,000 $305,000 $5,501 3.25%
    HAMMOND, LA (FHA|USDA|VA) 1 $305,000 $305,000 $4,171 2.75%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $295,000 $295,000 $4,124 2.88%
    Baraboo, WI (FHA|USDA|VA) 4 $290,000 $72,500 $3,874 4.50%
    Athens, TX (FHA|USDA|VA) 2 $290,000 $145,000 $3,665 3.38%
    Charleston-Mattoon, IL (FHA|USDA|VA) 1 $285,000 $285,000 $0 2.88%
    Angola, IN (FHA|USDA|VA) 1 $285,000 $285,000 $10,772 3.75%
    Hereford, TX (FHA|USDA|VA) 1 $275,000 $275,000 $8,649 2.88%
    Wapakoneta, OH (FHA|USDA|VA) 1 $275,000 $275,000 $5,482 3.25%
    Rio Grande City-Roma, TX (FHA|USDA|VA) 2 $270,000 $135,000 $5,675 4.19%
    Port Angeles, WA (FHA|USDA|VA) 1 $265,000 $265,000 $4,090 5.25%
    Cañon City, CO (FHA|USDA|VA) 1 $265,000 $265,000 $3,839 4.00%
    MONROE, MI (FHA|USDA|VA) 1 $265,000 $265,000 $6,540 2.88%
    Lufkin, TX (FHA|USDA|VA) 1 $255,000 $255,000 $12,914 3.75%
    MODESTO, CA (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.25%
    Tiffin, OH (FHA|USDA|VA) 1 $255,000 $255,000 $12,949 2.75%
    Fredericksburg, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,932 2.88%
    TUCSON, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $6,605 3.50%
    MISSOULA, MT (FHA|USDA|VA) 1 $245,000 $245,000 $4,232 2.75%
    Stephenville, TX (FHA|USDA|VA) 1 $235,000 $235,000 $7,813 3.25%
    Pampa, TX (FHA|USDA|VA) 1 $235,000 $235,000 $2,618 3.75%
    DULUTH, MN-WI (FHA|USDA|VA) 2 $230,000 $115,000 $5,173 3.13%
    Shelbyville, TN (FHA|USDA|VA) 1 $225,000 $225,000 $3,919 5.13%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $225,000 $225,000 $3,727 2.75%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $220,000 $110,000 $3,413 3.13%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $215,000 $215,000 $7,204 2.88%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $215,000 $215,000 $4,721 3.00%
    Bonham, TX (FHA|USDA|VA) 1 $215,000 $215,000 $6,146 3.25%
    CLEVELAND, TN (FHA|USDA|VA) 1 $215,000 $215,000 $2,756 2.88%
    Emporia, KS (FHA|USDA|VA) 2 $210,000 $105,000 $7,501 4.69%
    ALEXANDRIA, LA (FHA|USDA|VA) 1 $205,000 $205,000 $3,739 2.63%
    GREENVILLE, NC (FHA|USDA|VA) 1 $205,000 $205,000 $1,810 2.38%
    Pecos, TX (FHA|USDA|VA) 1 $205,000 $205,000 $10,650 3.75%
    MUSKEGON, MI (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.25%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $195,000 $195,000 $7,968 3.00%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,709 3.38%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $185,000 $185,000 $7,399 4.13%
    JACKSON, MI (FHA|USDA|VA) 1 $185,000 $185,000 $8,604 4.50%
    Brenham, TX (FHA|USDA|VA) 1 $185,000 $185,000 $8,095 3.63%
    Mount Sterling, KY (FHA|USDA|VA) 1 $175,000 $175,000 $3,928 3.25%
    Centralia, WA (FHA|USDA|VA) 1 $175,000 $175,000 $2,642 3.00%
    Hutchinson, MN (FHA|USDA|VA) 1 $175,000 $175,000 $5,624 3.75%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $175,000 $175,000 $3,409 2.88%
    Willmar, MN (FHA|USDA|VA) 1 $175,000 $175,000 $8,034 4.88%
    Palestine, TX (FHA|USDA|VA) 1 $175,000 $175,000 $9,361 3.25%
    Roswell, NM (FHA|USDA|VA) 1 $165,000 $165,000 $6,501 2.75%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.25%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $160,000 $80,000 $0 3.31%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $155,000 $155,000 $4,034 2.75%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $155,000 $155,000 $4,668 2.75%
    Crawfordsville, IN (FHA|USDA|VA) 1 $155,000 $155,000 $5,498 4.25%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,826 2.50%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.38%
    Raymondville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $4,212 2.88%
    SAGINAW, MI (FHA|USDA|VA) 1 $145,000 $145,000 $6,962 5.13%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $135,000 $135,000 $3,920 2.63%
    Somerset, KY (FHA|USDA|VA) 1 $135,000 $135,000 $3,415 2.88%
    MANKATO, MN (FHA|USDA|VA) 1 $135,000 $135,000 $6,085 4.50%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $135,000 $135,000 $3,901 3.63%
    Albert Lea, MN (FHA|USDA|VA) 1 $135,000 $135,000 $7,614 3.75%
    Hobbs, NM (FHA|USDA|VA) 1 $125,000 $125,000 $6,939 4.13%
    Cambridge, MD (FHA|USDA|VA) 1 $125,000 $125,000 $6,373 4.00%
    Jasper, IN (FHA|USDA|VA) 1 $125,000 $125,000 $8,490 4.63%
    Fremont, OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,584 2.75%
    Manitowoc, WI (FHA|USDA|VA) 1 $105,000 $105,000 $5,601 4.50%
    Dublin, GA (FHA|USDA|VA) 1 $105,000 $105,000 $5,251 3.13%
    Maysville, KY (FHA|USDA|VA) 1 $105,000 $105,000 $5,237 3.63%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $100,000 $50,000 $0 5.25%
    Ashland, OH (FHA|USDA|VA) 1 $95,000 $95,000 $3,655 3.13%
    McMinnville, TN (FHA|USDA|VA) 1 $95,000 $95,000 $7,352 3.75%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $95,000 $95,000 $1,890 3.38%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $85,000 $85,000 $5,304 2.88%
    Shawano, WI (FHA|USDA|VA) 1 $85,000 $85,000 $5,007 4.50%
    AKRON, OH (FHA|USDA|VA) 1 $85,000 $85,000 $3,152 3.88%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $75,000 $75,000 $1,931 4.63%
    Auburn, IN (FHA|USDA|VA) 1 $65,000 $65,000 $5,255 4.75%
    Sidney, OH (FHA|USDA|VA) 1 $65,000 $65,000 $3,655 2.88%
    Centralia, IL (FHA|USDA|VA) 1 $65,000 $65,000 $3,284 4.88%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $55,000 $55,000 $3,747 3.75%
    SPRINGFIELD, IL (FHA|USDA|VA) 1 $45,000 $45,000 $3,359 3.50%
    Nations Reliable Lending's top markets include Houston, Austin, Cincinnati, Dallas, and Riverside among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Kentucky (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.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,451 $1,892,055,000 $253,933 $5,235 3.11%
    FHA 2,740 $572,550,000 $208,960 $9,449 3.65%
    VA 681 $194,225,000 $285,206 $7,228 3.35%
    USDA 232 $39,680,000 $171,034 $6,007 3.40%
    HELOC 2 $320,000 $160,000 n/a 3.31%

    For 2020, Nations Reliable Lending's most frequently originated type of loan was Conventional, with 7,451 originations. Their 2nd most popular type was FHA, with 2,740 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 6,775 $1,552,505,000 $229,152 $7,405 3.42%
    Refi 3,209 $863,155,000 $268,979 $4,647 2.93%
    Cash Out Refi 1,114 $281,130,000 $252,361 $5,537 3.27%
    Home Improvement 8 $2,040,000 $255,000 $7,073 3.26%

    For 2020, Nations Reliable Lending's most frequently cited loan purpose was Home Purchase, with 6,775 originations. The 2nd most popular reason was Refi, with 3,209 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 9,942 $2,410,860,000 $242,492 $6,608 3.33%
    15 Year 848 $202,020,000 $238,231 $4,749 2.61%
    20 Year 218 $60,370,000 $276,927 $5,047 3.02%
    Other 67 $18,785,000 $280,373 $5,232 2.97%
    10 Year 31 $6,795,000 $219,194 $4,611 2.63%

    For 2020, Nations Reliable Lending's most frequently cited loan duration was 30 Year, with 9,942 originations. The 2nd most popular length was 15 Year, with 848 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 5,626 $1,320,930,000 $234,790
    $2k-3k 1,757 $386,145,000 $219,775
    $3k-4k 1,185 $277,255,000 $233,970
    $<1k 955 $254,885,000 $266,895
    $5k+ 875 $275,845,000 $315,251
    $4k-5k 690 $178,830,000 $259,174

    Nations Reliable Lending's average total fees were $6,608, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,626 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 4,822 $1,131,580,000 $234,670
    2.5-3% 4,002 $1,038,030,000 $259,378
    4-5% 1,112 $218,780,000 $196,745
    <2.5% 1,011 $279,515,000 $276,474
    5-6% 147 $28,045,000 $190,782
    6-7% 6 $1,210,000 $201,667
    7-8% 4 $1,090,000 $272,500

    During 2020, Nations Reliable Lending's average interest rate for loans was 3.33%, while their most frequently originated rate bucket for loans was 3-4%, with 4,822 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 5,427 $1,502,015,000 $276,767 $6,917 3.20%
    $100k-200k 4,066 $636,850,000 $156,628 $5,689 3.38%
    $400k-600k 1,029 $478,635,000 $465,146 $7,020 3.01%
    $100,000 or less 531 $41,885,000 $78,879 $4,288 3.52%
    $600k-1MM 48 $33,570,000 $699,375 $11,844 3.27%
    $1MM+ 5 $5,875,000 $1,175,000 $16,660 3.60%

    2020 saw Nations Reliable Lending place emphasis on $200k-400k loans with 5,427 originations, totaling $1,502,015,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 2,654 $530,590,000 $199,921 $6,667 3.39%
    $100k-150k 2,243 $626,245,000 $279,200 $6,778 3.24%
    $75k-100k 1,917 $456,115,000 $237,932 $7,046 3.34%
    $50k or less 1,689 $259,225,000 $153,478 $5,950 3.40%
    $150k-250k 1,293 $430,005,000 $332,564 $6,180 3.09%
    $250k+ 424 $160,700,000 $379,009 $6,402 3.02%

    Nations Reliable Lending lent most frequently to those with incomes in the $50k-75k range, with 2,654 originations. The second most popular income band? $100k-150k, with 2,243 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,845 $455,415,000 $246,837 $5,379 3.12%
    30-36% 1,818 $451,990,000 $248,619 $6,171 3.25%
    50-60% 964 $213,620,000 $221,598 $9,615 3.55%
    <20% 563 $141,795,000 $251,856 $4,823 2.95%
    44% 489 $115,135,000 $235,450 $6,877 3.44%
    43% 427 $102,265,000 $239,496 $7,345 3.38%
    42% 418 $103,410,000 $247,392 $6,650 3.38%
    40% 411 $97,775,000 $237,895 $6,433 3.35%
    41% 391 $92,595,000 $236,816 $6,390 3.36%
    38% 361 $82,475,000 $228,463 $6,415 3.34%
    49% 357 $87,955,000 $246,373 $7,161 3.37%
    39% 352 $77,460,000 $220,057 $6,205 3.37%
    37% 343 $79,775,000 $232,580 $6,208 3.30%
    36% 327 $79,915,000 $244,388 $6,204 3.24%
    46% 290 $70,550,000 $243,276 $6,813 3.33%
    47% 288 $70,170,000 $243,646 $7,107 3.39%
    48% 281 $67,995,000 $241,975 $7,548 3.46%
    45% 265 $63,435,000 $239,377 $7,119 3.37%
    >60% 31 $10,675,000 $344,355 $13,393 3.49%

    Nations Reliable Lending lent most frequently to those with DTI ratios of 20-30%, with 1,845 originations. The next most common DTI ratio? 30-36%, with 1,818 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8,840 $2,141,340,000 $242,233 $6,307 3.26%
    Black 1,141 $265,025,000 $232,274 $7,497 3.44%
    Not provided 658 $163,960,000 $249,179 $6,420 3.16%
    Asian 381 $107,525,000 $282,218 $5,828 3.01%
    American Indian 57 $13,555,000 $237,807 $6,658 3.29%
    Native Hawaiian or Islander 14 $4,050,000 $289,286 $6,442 3.23%
    Other Asian 5 $1,485,000 $297,000 $5,263 2.90%
    Asian Indian 6 $1,100,000 $183,333 $6,009 3.00%
    Korean 1 $455,000 $455,000 $5,534 3.50%
    Vietnamese 2 $230,000 $115,000 $4,855 3.19%
    Chinese 1 $105,000 $105,000 $4,556 2.25%

    Approval Rates

    Total approvals of all applications
    98.74%

    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
    83.58%

    Nations Reliable Lending has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 11,106 $2,698,830,000 $243,006

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 106 $16,410,000 $154,811
    Single Family (1-4 Units):Site-Built 11,000 $2,682,420,000 $243,856

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 241 $47,975,000 $199,066 $4,210 2.86%
    40-60% 923 $228,545,000 $247,611 $4,443 2.88%
    60-80% 3,104 $816,420,000 $263,022 $5,126 3.10%
    80-100% 6,627 $1,545,315,000 $233,185 $7,210 3.41%
    Over 100% 142 $40,870,000 $287,817 $12,084 3.40%
    Under 20% 12 $2,030,000 $169,167 $3,690 2.68%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    NATIONS RELIABLE LENDING FHA mortgage Closing on a mortgage 2 66.7%
    NATIONS RELIABLE LENDING Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%