Nations Direct Mortgage Rates, Fees & Info
Sacramento, CALEI: 549300QKL5FUBZ8LSF50
Tax ID: 20-8544905
1 stars - Updated: 11/17/24
-
out of 5 stars, based on 61 reviews
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Nations Direct Mortgage is a small mortgage company specializing in Home Purchase loans. Nations Direct Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Portland, Los Angeles, Washington, Riverside, and Salem among others. We have data for 280 markets. (Some data included below & more in-depth data is available with an active subscription.)Nations Direct Mortgage has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Nations Direct Mortgage 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 | 6.97% | 11/17/24 |
| 30 Year Conventional Refi | 6.57% | 11/17/24 |
| 30 Year Cash-out Refi | 6.83% | 11/17/24 |
| 30 Year FHA Purchase | 7.33% | 11/17/24 |
| 30 Year FHA Refi | 6.99% | 11/17/24 |
| 30 Year VA Purchase | 6.37% | 11/17/24 |
| 30 Year VA Refi | 5.69% | 11/17/24 |
| 30 Year USDA Purchase | 6.61% | 11/17/24 |
| 15 Year Conventional Purchase | 5.97% | 11/17/24 |
| 15 Year Conventional Refi | 5.79% | 11/17/24 |
| 15 Year Cash-out Refi | 5.79% | 11/17/24 |
| 15 Year FHA Refi | 5.68% | 11/17/24 |
| 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 Direct Mortgage Mortgage Calculator
Your Estimates
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This is not an official calculator from Nations Direct Mortgage. 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
3,749Origination Dollar Volume (All Markets)
$1,508,475,000Awards
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NATIONS DIRECT MORTGAGE - 2023
NATIONS DIRECT MORTGAGE is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Nations Direct Mortgage's average 30 year fixed mortgage rate was
7.03%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.55%.
Relative Fees (Closing Costs)
Nations Direct Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $11,838.
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 |
|---|---|---|---|---|---|
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 610 | $267,520,000 | $438,557 | $9,699 | 6.64% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 338 | $192,620,000 | $569,882 | $16,316 | 7.53% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 172 | $81,100,000 | $471,512 | $11,284 | 6.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 180 | $71,240,000 | $395,778 | $13,691 | 7.07% |
| SALEM, OR (FHA|USDA|VA) | 109 | $41,385,000 | $379,679 | $9,572 | 6.45% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 82 | $35,750,000 | $435,976 | $12,287 | 7.41% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 67 | $35,675,000 | $532,463 | $14,189 | 7.55% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 79 | $32,825,000 | $415,506 | $12,245 | 6.86% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 93 | $30,045,000 | $323,065 | $11,610 | 7.16% |
| BEND, OR (FHA|USDA|VA) | 67 | $29,605,000 | $441,866 | $9,455 | 6.42% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 49 | $28,935,000 | $590,510 | $13,859 | 6.82% |
| Outside of Metro Areas | 82 | $27,110,000 | $330,610 | $9,974 | 6.94% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 68 | $25,210,000 | $370,735 | $11,664 | 6.99% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 56 | $23,370,000 | $417,321 | $14,127 | 7.26% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 68 | $23,050,000 | $338,971 | $11,168 | 6.87% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 31 | $19,285,000 | $622,097 | $14,545 | 7.18% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 48 | $17,610,000 | $366,875 | $15,976 | 8.09% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 26 | $17,490,000 | $672,692 | $15,173 | 7.28% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 54 | $16,720,000 | $309,630 | $12,259 | 6.92% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 59 | $16,215,000 | $274,831 | $9,191 | 7.15% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 66 | $15,780,000 | $239,091 | $8,466 | 7.90% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 26 | $14,760,000 | $567,692 | $17,616 | 7.19% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 29 | $13,395,000 | $461,897 | $10,506 | 7.10% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 36 | $12,660,000 | $351,667 | $9,991 | 6.95% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 27 | $11,645,000 | $431,296 | $8,875 | 6.95% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 27 | $11,205,000 | $415,000 | $10,086 | 6.44% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 30 | $10,090,000 | $336,333 | $13,146 | 7.67% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 36 | $10,080,000 | $280,000 | $10,978 | 7.56% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 33 | $9,655,000 | $292,576 | $11,211 | 6.87% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 25 | $9,595,000 | $383,800 | $8,811 | 6.68% |
| GRANTS PASS, OR (FHA|USDA|VA) | 29 | $9,355,000 | $322,586 | $10,386 | 6.40% |
| STOCKTON, CA (FHA|USDA|VA) | 21 | $9,275,000 | $441,667 | $15,220 | 6.80% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 32 | $9,260,000 | $289,375 | $11,514 | 7.27% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 22 | $8,490,000 | $385,909 | $13,028 | 7.62% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 31 | $8,325,000 | $268,548 | $11,933 | 7.12% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 20 | $8,180,000 | $409,000 | $16,245 | 7.34% |
| Astoria, OR (FHA|USDA|VA) | 20 | $7,900,000 | $395,000 | $9,663 | 6.62% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 15 | $6,925,000 | $461,667 | $15,972 | 6.83% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 22 | $6,820,000 | $310,000 | $11,178 | 7.35% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 9 | $6,715,000 | $746,111 | $12,903 | 7.17% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 20 | $6,650,000 | $332,500 | $12,091 | 8.02% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 24 | $6,200,000 | $258,333 | $10,791 | 6.88% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 15 | $5,605,000 | $373,667 | $11,189 | 7.00% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 13 | $5,405,000 | $415,769 | $10,174 | 7.48% |
| LONGVIEW, WA (FHA|USDA|VA) | 14 | $5,210,000 | $372,143 | $12,462 | 6.82% |
| RICHMOND, VA (FHA|USDA|VA) | 14 | $5,010,000 | $357,857 | $8,539 | 6.22% |
| MODESTO, CA (FHA|USDA|VA) | 13 | $4,885,000 | $375,769 | $13,651 | 7.47% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 15 | $4,675,000 | $311,667 | $10,751 | 7.33% |
| CORVALLIS, OR (FHA|USDA|VA) | 11 | $4,445,000 | $404,091 | $9,130 | 6.84% |
| COLUMBUS, OH (FHA|USDA|VA) | 16 | $4,370,000 | $273,125 | $10,382 | 7.87% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 7 | $4,325,000 | $617,857 | $26,418 | 7.64% |
| Newport, OR (FHA|USDA|VA) | 12 | $4,150,000 | $345,833 | $5,905 | 6.65% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 12 | $4,070,000 | $339,167 | $11,397 | 7.38% |
| Roseburg, OR (FHA|USDA|VA) | 11 | $3,955,000 | $359,545 | $9,597 | 6.61% |
| FORT COLLINS, CO (FHA|USDA|VA) | 9 | $3,875,000 | $430,556 | $8,484 | 7.06% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 11 | $3,795,000 | $345,000 | $13,290 | 6.41% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 9 | $3,755,000 | $417,222 | $9,234 | 6.51% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 12 | $3,610,000 | $300,833 | $8,194 | 7.58% |
| PROVO-OREM, UT (FHA|USDA|VA) | 6 | $3,600,000 | $600,000 | $11,432 | 7.06% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 10 | $3,530,000 | $353,000 | $8,791 | 7.19% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 11 | $3,485,000 | $316,818 | $12,344 | 7.28% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 9 | $3,475,000 | $386,111 | $13,199 | 7.78% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 10 | $3,340,000 | $334,000 | $10,681 | 7.13% |
| BOISE CITY, ID (FHA|USDA|VA) | 11 | $3,305,000 | $300,455 | $8,935 | 6.65% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 6 | $3,300,000 | $550,000 | $10,776 | 6.69% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 7 | $3,225,000 | $460,714 | $12,223 | 8.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 14 | $3,180,000 | $227,143 | $9,201 | 7.37% |
| MEDFORD, OR (FHA|USDA|VA) | 8 | $3,110,000 | $388,750 | $10,554 | 6.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 7 | $3,035,000 | $433,571 | $8,362 | 6.71% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 6 | $2,790,000 | $465,000 | $14,377 | 6.42% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 7 | $2,745,000 | $392,143 | $9,191 | 6.45% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 8 | $2,680,000 | $335,000 | $16,162 | 7.81% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $2,680,000 | $670,000 | $17,227 | 7.34% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 7 | $2,615,000 | $373,571 | $17,091 | 6.96% |
| FRESNO, CA (FHA|USDA|VA) | 9 | $2,575,000 | $286,111 | $7,792 | 7.53% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 8 | $2,520,000 | $315,000 | $15,462 | 6.59% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 6 | $2,490,000 | $415,000 | $13,609 | 8.25% |
| GREELEY, CO (FHA|USDA|VA) | 6 | $2,460,000 | $410,000 | $9,309 | 7.31% |
| READING, PA (FHA|USDA|VA) | 7 | $2,445,000 | $349,286 | $9,802 | 6.89% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 13 | $2,415,000 | $185,769 | $7,746 | 7.55% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 7 | $2,265,000 | $323,571 | $11,841 | 7.55% |
| Torrington, CT (FHA|USDA|VA) | 6 | $2,230,000 | $371,667 | $14,365 | 7.92% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 9 | $2,195,000 | $243,889 | $8,125 | 7.12% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 8 | $2,090,000 | $261,250 | $8,681 | 7.13% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 6 | $2,070,000 | $345,000 | $12,045 | 7.14% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $2,055,000 | $293,571 | $10,990 | 7.14% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 4 | $2,030,000 | $507,500 | $8,049 | 9.22% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $1,985,000 | $397,000 | $11,145 | 7.73% |
| BELLINGHAM, WA (FHA|USDA|VA) | 4 | $1,960,000 | $490,000 | $10,298 | 6.28% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 8 | $1,900,000 | $237,500 | $10,945 | 7.39% |
| RENO, NV (FHA|USDA|VA) | 5 | $1,865,000 | $373,000 | $15,599 | 7.33% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 7 | $1,795,000 | $256,429 | $9,119 | 8.38% |
| Key West, FL (FHA|USDA|VA) | 2 | $1,760,000 | $880,000 | $10,171 | 6.81% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $1,730,000 | $432,500 | $14,959 | 6.78% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 6 | $1,720,000 | $286,667 | $11,766 | 7.42% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $1,530,000 | $382,500 | $15,267 | 6.84% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 7 | $1,525,000 | $217,857 | $10,957 | 7.79% |
| Prineville, OR (FHA|USDA|VA) | 4 | $1,510,000 | $377,500 | $9,407 | 6.22% |
| The Dalles, OR (FHA|USDA|VA) | 4 | $1,490,000 | $372,500 | $10,646 | 7.69% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $13,897 | 6.40% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $1,450,000 | $725,000 | $29,137 | 6.44% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $10,828 | 7.05% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $1,415,000 | $471,667 | $13,889 | 8.00% |
| OCALA, FL (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $9,254 | 7.97% |
| Coos Bay, OR (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $7,511 | 7.71% |
| LEBANON, PA (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $13,404 | 7.04% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $1,235,000 | $1,235,000 | $50,054 | 7.75% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $6,385 | 8.04% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $6,566 | 6.71% |
| YUBA CITY, CA (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $9,378 | 6.29% |
| BATON ROUGE, LA (FHA|USDA|VA) | 6 | $1,170,000 | $195,000 | $12,242 | 5.98% |
| Hood River, OR (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $8,328 | 6.75% |
| MERCED, CA (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $6,673 | 6.40% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $10,418 | 7.38% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $0 | 8.29% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $10,585 | 7.19% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $11,325 | 8.47% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $29,031 | 5.50% |
| EL PASO, TX (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $8,336 | 6.55% |
| Ardmore, OK (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $8,748 | 6.55% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 6 | $980,000 | $163,333 | $9,970 | 6.89% |
| MADERA, CA (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $12,840 | 6.96% |
| LAFAYETTE, LA (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $14,143 | 7.15% |
| SAN ANGELO, TX (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $5,493 | 7.33% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $8,263 | 8.16% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $11,278 | 6.44% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $3,996 | 7.91% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $14,686 | 6.50% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $16,630 | 7.19% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $9,964 | 6.29% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $18,870 | 7.69% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $10,080 | 7.00% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $6,109 | 6.56% |
| Red Bluff, CA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $12,152 | 6.67% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $16,534 | 6.50% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $6,216 | 7.17% |
| Klamath Falls, OR (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $10,907 | 7.17% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $7,937 | 6.44% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $0 | 9.63% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $9,051 | 6.65% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $10,105 | 6.75% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $12,103 | 7.06% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $11,259 | 7.38% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $7,348 | 7.13% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $14,307 | 6.99% |
| GETTYSBURG, PA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $20,623 | 6.50% |
| AKRON, OH (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $8,353 | 6.41% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $10,613 | 6.50% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $12,944 | 7.69% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $0 | 7.99% |
| Cedar City, UT (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $7,976 | 7.50% |
| BRUNSWICK, GA (FHA|USDA|VA) | 6 | $640,000 | $106,667 | $5,625 | 8.67% |
| NAPA, CA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $6,058 | 5.63% |
| Concord, NH (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $15,589 | 7.56% |
| STAUNTON, VA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $6,627 | 6.94% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $6,540 | 7.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $9,788 | 7.38% |
| Edwards, CO (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $5,276 | 8.13% |
| TULSA, OK (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,294 | 9.44% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $12,583 | 6.63% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $0 | 8.56% |
| Sunbury, PA (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $7,227 | 7.56% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $9,276 | 6.69% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $25,697 | 6.50% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $6,747 | 7.43% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $12,975 | 6.25% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $15,939 | 7.13% |
| Athens, TX (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 7.88% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,386 | 7.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $10,288 | 6.88% |
| La Grande, OR (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $10,514 | 7.06% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $7,347 | 5.88% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $12,531 | 8.38% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $21,798 | 6.63% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $7,927 | 6.81% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $14,610 | 7.37% |
| Crescent City, CA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,932 | 7.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $19,333 | 5.75% |
| TOLEDO, OH (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $3,598 | 8.25% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $11,002 | 7.25% |
| WACO, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $12,483 | 7.88% |
| MANSFIELD, OH (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $10,491 | 6.19% |
| REDDING, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,381 | 6.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,546 | 7.99% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $12,622 | 5.99% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $7,791 | 5.75% |
| Andrews, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $21,952 | 5.75% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,994 | 7.99% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $21,561 | 6.63% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $11,506 | 6.63% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,462 | 8.12% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 8.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $6,534 | 8.08% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $20,819 | 6.75% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $11,038 | 7.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $16,101 | 6.75% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,543 | 7.25% |
| Moscow, ID (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,174 | 6.50% |
| FLINT, MI (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $9,814 | 8.37% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $8,539 | 7.38% |
| Easton, MD (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $14,169 | 7.13% |
| TYLER, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,962 | 7.25% |
| MUSKEGON, MI (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $5,700 | 8.38% |
| Eagle Pass, TX (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $8,877 | 7.00% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,551 | 5.99% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $17,561 | 6.25% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,989 | 7.99% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,407 | 6.31% |
| Centralia, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,018 | 6.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $18,248 | 4.99% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,508 | 7.25% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,950 | 6.25% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,147 | 6.25% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,872 | 6.13% |
| Boone, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,451 | 6.63% |
| LIMA, OH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $16,985 | 7.25% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,844 | 7.94% |
| Shelton, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 8.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $17,028 | 9.75% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,466 | 6.43% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,887 | 6.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,995 | 7.75% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $16,724 | 7.25% |
| Outside of Metro Areas | 1 | $285,000 | $285,000 | $0 | 7.50% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $15,267 | 7.63% |
| Palatka, FL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,321 | 7.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,981 | 9.99% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,082 | 5.88% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,488 | 7.25% |
| DOVER, DE (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $15,311 | 7.13% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,111 | 7.25% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,226 | 10.00% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,691 | 7.25% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,381 | 7.25% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 6.99% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,788 | 6.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,956 | 6.25% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,715 | 6.63% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 9.63% |
| St. Marys, GA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,602 | 8.25% |
| Lock Haven, PA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $5,835 | 8.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,651 | 5.75% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,029 | 6.63% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,946 | 7.63% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,605 | 6.25% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,849 | 7.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $12,290 | 7.25% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,885 | 10.13% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $16,034 | 6.75% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,862 | 7.25% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,322 | 7.25% |
| Washington Court House, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $12,151 | 7.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $12,410 | 6.99% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,152 | 7.13% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,014 | 7.25% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,648 | 6.75% |
| Palestine, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,834 | 7.25% |
| MONROE, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $12,181 | 7.25% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,748 | 7.25% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,120 | 7.25% |
| Granbury, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.50% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.99% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,501 | 7.25% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $10,790 | 6.63% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,853 | 6.99% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,790 | 7.38% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.13% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,142 | 8.38% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $11,459 | 6.63% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.50% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,525 | 6.50% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,033 | 7.13% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $10,943 | 7.25% |
| Wooster, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,625 | 7.25% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.63% |
| DuBois, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,067 | 8.13% |
| Galesburg, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,305 | 7.25% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,545 | 6.75% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,832 | 7.25% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,956 | 6.25% |
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Product Mix
For 2023, Nations Direct Mortgage's most frequently originated type of loan was Conventional, with 2,404 originations. Their 2nd most popular type was FHA, with 988 originations.
Loan Reason
For 2023, Nations Direct Mortgage's most frequently cited loan purpose was Home Purchase, with 2,946 originations. The 2nd most popular reason was Cash Out Refi, with 637 originations.
Loan Duration/Length
For 2023, Nations Direct Mortgage's most frequently cited loan duration was 30 Year, with 3,623 originations. The 2nd most popular length was 10 Year, with 69 originations.
Origination Fees/Closing Costs
Nations Direct Mortgage's average total fees were $11,838, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,830 originations.
Interest Rates
During 2023, Nations Direct Mortgage's average interest rate for loans was 7.03%, while their most frequently originated rate bucket for loans was 6-7%, with 1,557 originations.
Loan Sizing
2023 saw Nations Direct Mortgage place emphasis on $200k-400k loans with 1,586 originations, totaling $483,310,000 in origination value.
Applicant Income
Nations Direct Mortgage lent most frequently to those with incomes in the $100k-150k range, with 1,023 originations. The second most popular income band? $150k-250k, with 836 originations.
Applicant Debt to Income Ratio
Nations Direct Mortgage lent most frequently to those with DTI ratios of 50-60%, with 413 originations. The next most common DTI ratio? 30-36%, with 402 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.11%
Nations Direct Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination52.15%
Nations Direct Mortgage 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 |
|---|---|---|---|
| 26636.6 | 1 | $215,000 | $215,000 |
| NA | 3,748 | $1,508,260,000 | $402,417 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,749 | $1,508,475,000 | $402,367 |