Nations Direct Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 549300QKL5FUBZ8LSF50

Tax ID: 20-8544905

2.1 stars - out of 5 stars, based on 98 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Nations Direct Mortgage is a mid-sized mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. Nations Direct Mortgage 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 include Los Angeles, Portland, Riverside, Sacramento, and Salem among others. Nations Direct Mortgage has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Nations Direct Mortgage is typically a high fee lendor.


Originations

9,522

Origination Dollar Volume (All Markets)

$3,395,300,000
Show all (16) awards

Relative Rate

Nations Direct Mortgage 's average 30 year fixed rate mortgage of loans were 3.11%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.04%.

Relative Fees

Nations Direct Mortgage 's average total fees for a 30 year fixed rate mortgage are $7,731.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1,734 $865,240,000 $498,985 $7,805 3.10%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1,498 $555,890,000 $371,088 $6,906 2.74%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 885 $311,015,000 $351,429 $7,909 3.04%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 323 $121,475,000 $376,084 $6,398 2.96%
SALEM, OR (FHA|USDA|VA) 337 $107,075,000 $317,730 $6,599 2.87%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 287 $84,425,000 $294,164 $7,098 3.13%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 165 $81,375,000 $493,182 $9,394 3.15%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 134 $66,290,000 $494,701 $8,201 3.08%
BEND, OR (FHA|USDA|VA) 144 $56,500,000 $392,361 $6,924 2.97%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 109 $55,635,000 $510,413 $7,576 2.96%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 248 $55,020,000 $221,855 $5,635 3.27%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 108 $46,800,000 $433,333 $11,504 3.32%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 148 $45,010,000 $304,122 $6,782 3.25%
Outside of Metro Areas 161 $37,725,000 $234,317 $5,857 3.10%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 102 $32,540,000 $319,020 $9,802 3.55%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 76 $30,700,000 $403,947 $8,247 2.91%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 112 $30,170,000 $269,375 $8,124 3.38%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 44 $27,890,000 $633,864 $12,260 3.04%
BAKERSFIELD, CA (FHA|USDA|VA) 105 $27,625,000 $263,095 $7,324 3.10%
STOCKTON, CA (FHA|USDA|VA) 68 $27,310,000 $401,618 $8,830 3.07%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 92 $26,820,000 $291,522 $8,392 3.17%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 71 $23,295,000 $328,099 $7,352 2.89%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 59 $22,995,000 $389,746 $7,639 3.16%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 73 $20,455,000 $280,205 $9,953 3.44%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 77 $19,585,000 $254,351 $7,749 3.36%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 77 $18,775,000 $243,831 $7,240 3.16%
ALBANY-LEBANON, OR (FHA|USDA|VA) 61 $17,745,000 $290,902 $6,813 2.81%
VALLEJO, CA (FHA|USDA|VA) 44 $17,680,000 $401,818 $7,404 3.02%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 50 $14,880,000 $297,600 $7,111 3.53%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 68 $12,830,000 $188,676 $7,555 3.08%
COLUMBUS, OH (FHA|USDA|VA) 59 $12,615,000 $213,814 $7,062 3.38%
Mount Airy, NC (FHA|USDA|VA) 65 $12,065,000 $185,615 $4,820 2.75%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 41 $11,325,000 $276,220 $6,913 3.41%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 39 $11,225,000 $287,821 $9,737 3.32%
MODESTO, CA (FHA|USDA|VA) 32 $11,130,000 $347,813 $7,699 3.08%
LAREDO, TX (FHA|USDA|VA) 52 $10,890,000 $209,423 $7,597 3.05%
JACKSONVILLE, FL (FHA|USDA|VA) 44 $10,870,000 $247,045 $8,145 3.53%
LONGVIEW, WA (FHA|USDA|VA) 29 $10,775,000 $371,552 $5,236 2.76%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 56 $10,230,000 $182,679 $6,903 3.10%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 24 $9,740,000 $405,833 $7,210 2.77%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 43 $9,535,000 $221,744 $7,556 3.32%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 41 $9,445,000 $230,366 $8,191 3.41%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 23 $9,405,000 $408,913 $12,679 3.23%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 34 $8,900,000 $261,765 $7,927 3.38%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 19 $8,505,000 $447,632 $10,421 3.82%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 17 $8,395,000 $493,824 $9,978 3.27%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 32 $8,040,000 $251,250 $7,805 3.02%
Astoria, OR (FHA|USDA|VA) 25 $7,985,000 $319,400 $6,627 2.76%
FRESNO, CA (FHA|USDA|VA) 30 $7,620,000 $254,000 $7,255 3.39%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 16 $7,390,000 $461,875 $9,553 3.16%
COLUMBIA, SC (FHA|USDA|VA) 29 $7,365,000 $253,966 $5,700 3.37%
VISALIA, CA (FHA|USDA|VA) 22 $6,590,000 $299,545 $7,474 3.01%
Newport, OR (FHA|USDA|VA) 21 $6,165,000 $293,571 $8,057 2.99%
MEDFORD, OR (FHA|USDA|VA) 21 $5,905,000 $281,190 $6,334 2.76%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 19 $5,845,000 $307,632 $7,699 2.87%
KNOXVILLE, TN (FHA|USDA|VA) 31 $5,665,000 $182,742 $6,951 2.87%
COLORADO SPRINGS, CO (FHA|USDA|VA) 15 $5,655,000 $377,000 $10,188 3.18%
RENO, NV (FHA|USDA|VA) 9 $5,625,000 $625,000 $11,005 3.60%
PEORIA, IL (FHA|USDA|VA) 46 $5,340,000 $116,087 $5,885 2.62%
Gardnerville Ranchos, NV (FHA|USDA|VA) 16 $5,210,000 $325,625 $4,088 2.85%
RICHMOND, VA (FHA|USDA|VA) 21 $5,055,000 $240,714 $8,612 3.63%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 16 $4,950,000 $309,375 $8,962 3.48%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 18 $4,940,000 $274,444 $10,948 3.37%
SPARTANBURG, SC (FHA|USDA|VA) 26 $4,900,000 $188,462 $6,697 3.23%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 16 $4,750,000 $296,875 $8,779 3.21%
Roseburg, OR (FHA|USDA|VA) 15 $4,675,000 $311,667 $5,318 2.97%
CORVALLIS, OR (FHA|USDA|VA) 12 $4,370,000 $364,167 $6,683 3.12%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 15 $4,155,000 $277,000 $7,942 3.39%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 6 $4,090,000 $681,667 $13,344 3.81%
SALINAS, CA (FHA|USDA|VA) 10 $4,060,000 $406,000 $8,678 2.96%
BOULDER, CO (FHA|USDA|VA) 5 $3,985,000 $797,000 $8,650 3.85%
MERCED, CA (FHA|USDA|VA) 12 $3,870,000 $322,500 $9,279 2.96%
COLUMBUS, GA-AL (FHA|USDA|VA) 18 $3,790,000 $210,556 $4,359 3.02%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 11 $3,745,000 $340,455 $6,117 3.43%
OCALA, FL (FHA|USDA|VA) 20 $3,660,000 $183,000 $7,160 3.45%
Prineville, OR (FHA|USDA|VA) 10 $3,560,000 $356,000 $6,707 2.89%
MIDLAND, TX (FHA|USDA|VA) 14 $3,560,000 $254,286 $9,728 3.37%
PITTSBURGH, PA (FHA|USDA|VA) 17 $3,485,000 $205,000 $8,463 3.14%
Hermiston-Pendleton, OR (FHA|USDA|VA) 11 $3,485,000 $316,818 $8,195 2.95%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 8 $3,190,000 $398,750 $18,223 4.26%
WINSTON-SALEM, NC (FHA|USDA|VA) 16 $3,090,000 $193,125 $6,765 2.95%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 13 $2,965,000 $228,077 $6,306 3.23%
GRANTS PASS, OR (FHA|USDA|VA) 10 $2,940,000 $294,000 $7,341 3.13%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 7 $2,935,000 $419,286 $10,124 2.80%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 12 $2,780,000 $231,667 $9,642 3.28%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 12 $2,760,000 $230,000 $5,997 3.07%
Show Low, AZ (FHA|USDA|VA) 12 $2,600,000 $216,667 $5,636 2.86%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 10 $2,580,000 $258,000 $6,797 3.90%
Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $2,575,000 $858,333 $7,030 4.16%
Coos Bay, OR (FHA|USDA|VA) 10 $2,570,000 $257,000 $4,468 2.84%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 10 $2,540,000 $254,000 $8,056 3.26%
PORT ST. LUCIE, FL (FHA|USDA|VA) 11 $2,525,000 $229,545 $11,094 3.98%
Centralia, WA (FHA|USDA|VA) 8 $2,480,000 $310,000 $7,650 2.73%
GREELEY, CO (FHA|USDA|VA) 9 $2,435,000 $270,556 $9,803 3.75%
NAPA, CA (FHA|USDA|VA) 6 $2,430,000 $405,000 $8,586 2.83%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 11 $2,415,000 $219,545 $9,012 3.14%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 6 $2,310,000 $385,000 $13,418 3.10%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 13 $2,295,000 $176,538 $4,305 3.13%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 8 $2,100,000 $262,500 $7,489 3.45%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 8 $2,080,000 $260,000 $6,277 2.92%
Georgetown, SC (FHA|USDA|VA) 2 $2,040,000 $1,020,000 $2,664 3.37%
ODESSA, TX (FHA|USDA|VA) 10 $2,030,000 $203,000 $8,625 2.85%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 7 $2,025,000 $289,286 $10,161 3.50%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 7 $2,005,000 $286,429 $6,594 3.84%
TULSA, OK (FHA|USDA|VA) 9 $1,965,000 $218,333 $9,390 3.76%
PROVO-OREM, UT (FHA|USDA|VA) 7 $1,965,000 $280,714 $9,651 3.70%
MADERA, CA (FHA|USDA|VA) 6 $1,950,000 $325,000 $8,440 3.27%
TUCSON, AZ (FHA|USDA|VA) 5 $1,925,000 $385,000 $7,190 3.30%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 7 $1,915,000 $273,571 $6,246 2.95%
BELLINGHAM, WA (FHA|USDA|VA) 5 $1,905,000 $381,000 $3,841 2.60%
REDDING, CA (FHA|USDA|VA) 9 $1,895,000 $210,556 $2,902 3.00%
Vineyard Haven, MA (FHA|USDA|VA) 2 $1,860,000 $930,000 $0 5.63%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 5 $1,795,000 $359,000 $5,284 2.58%
Shelton, WA (FHA|USDA|VA) 6 $1,690,000 $281,667 $5,456 3.02%
Sonora, CA (FHA|USDA|VA) 6 $1,660,000 $276,667 $6,270 3.33%
Klamath Falls, OR (FHA|USDA|VA) 8 $1,640,000 $205,000 $7,859 3.45%
GAINESVILLE, GA (FHA|USDA|VA) 4 $1,610,000 $402,500 $6,776 2.94%
AKRON, OH (FHA|USDA|VA) 9 $1,605,000 $178,333 $7,147 3.05%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $1,560,000 $260,000 $9,552 3.50%
MOBILE, AL (FHA|USDA|VA) 8 $1,550,000 $193,750 $6,293 3.38%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 6 $1,510,000 $251,667 $8,417 3.88%
MORRISTOWN, TN (FHA|USDA|VA) 7 $1,455,000 $207,857 $7,993 2.45%
YUBA CITY, CA (FHA|USDA|VA) 5 $1,445,000 $289,000 $6,376 3.48%
Glenwood Springs, CO (FHA|USDA|VA) 2 $1,400,000 $700,000 $2,020 3.63%
RALEIGH-CARY, NC (FHA|USDA|VA) 5 $1,345,000 $269,000 $7,630 3.50%
YUMA, AZ (FHA|USDA|VA) 7 $1,335,000 $190,714 $7,759 2.98%
Hood River, OR (FHA|USDA|VA) 4 $1,320,000 $330,000 $3,271 2.66%
FLINT, MI (FHA|USDA|VA) 8 $1,320,000 $165,000 $6,856 2.97%
HUNTSVILLE, AL (FHA|USDA|VA) 6 $1,320,000 $220,000 $8,327 2.88%
OKLAHOMA CITY, OK (FHA|USDA|VA) 7 $1,305,000 $186,429 $6,298 3.36%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 9 $1,285,000 $142,778 $4,407 3.07%
The Dalles, OR (FHA|USDA|VA) 4 $1,280,000 $320,000 $6,574 2.72%
Aberdeen, WA (FHA|USDA|VA) 4 $1,280,000 $320,000 $8,609 2.78%
TOLEDO, OH (FHA|USDA|VA) 8 $1,260,000 $157,500 $5,390 3.14%
BATON ROUGE, LA (FHA|USDA|VA) 7 $1,255,000 $179,286 $6,478 3.18%
GRAND JUNCTION, CO (FHA|USDA|VA) 6 $1,220,000 $203,333 $4,304 2.90%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 6 $1,210,000 $201,667 $6,820 3.33%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 7 $1,205,000 $172,143 $4,244 3.39%
Brookings, OR (FHA|USDA|VA) 4 $1,200,000 $300,000 $4,268 2.59%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 5 $1,185,000 $237,000 $5,178 2.80%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 6 $1,140,000 $190,000 $9,068 3.20%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 7 $1,135,000 $162,143 $4,241 3.30%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 6 $1,120,000 $186,667 $8,237 3.46%
TALLAHASSEE, FL (FHA|USDA|VA) 4 $1,100,000 $275,000 $6,856 3.69%
Jefferson, GA (FHA|USDA|VA) 4 $1,070,000 $267,500 $7,473 3.03%
CHICO, CA (FHA|USDA|VA) 4 $1,010,000 $252,500 $3,333 3.00%
EL PASO, TX (FHA|USDA|VA) 6 $990,000 $165,000 $7,464 3.12%
Hailey, ID (FHA|USDA|VA) 1 $985,000 $985,000 $21,421 4.25%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 5 $975,000 $195,000 $5,190 3.33%
SAVANNAH, GA (FHA|USDA|VA) 4 $970,000 $242,500 $7,639 2.78%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $970,000 $242,500 $7,619 3.34%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 5 $965,000 $193,000 $5,790 3.02%
WACO, TX (FHA|USDA|VA) 4 $960,000 $240,000 $3,018 3.41%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $960,000 $240,000 $9,078 2.94%
Sevierville, TN (FHA|USDA|VA) 5 $955,000 $191,000 $8,588 3.03%
WORCESTER, MA-CT (FHA|USDA|VA) 3 $955,000 $318,333 $8,219 3.54%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $950,000 $237,500 $3,025 4.03%
Ardmore, OK (FHA|USDA|VA) 6 $940,000 $156,667 $6,524 3.23%
Red Bluff, CA (FHA|USDA|VA) 4 $910,000 $227,500 $2,668 2.65%
Moses Lake, WA (FHA|USDA|VA) 3 $905,000 $301,667 $8,665 2.87%
PANAMA CITY, FL (FHA|USDA|VA) 5 $905,000 $181,000 $5,029 3.25%
Eureka-Arcata, CA (FHA|USDA|VA) 4 $890,000 $222,500 $6,452 3.31%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 6 $880,000 $146,667 $6,357 3.60%
Minden, LA (FHA|USDA|VA) 4 $880,000 $220,000 $6,610 2.97%
ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $855,000 $285,000 $7,343 4.12%
CARSON CITY, NV (FHA|USDA|VA) 3 $855,000 $285,000 $4,794 3.08%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $850,000 $212,500 $4,753 3.34%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $840,000 $210,000 $5,216 3.78%
Adrian, MI (FHA|USDA|VA) 4 $820,000 $205,000 $8,848 3.31%
ANN ARBOR, MI (FHA|USDA|VA) 4 $820,000 $205,000 $7,256 3.28%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $790,000 $395,000 $9,520 3.06%
Fremont, OH (FHA|USDA|VA) 3 $775,000 $258,333 $4,538 2.67%
Susanville, CA (FHA|USDA|VA) 3 $745,000 $248,333 $5,544 3.12%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 3 $735,000 $245,000 $8,845 3.67%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $720,000 $360,000 $12,855 4.06%
Edwards, CO (FHA|USDA|VA) 2 $720,000 $360,000 $5,111 3.12%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $715,000 $238,333 $4,647 3.41%
WENATCHEE, WA (FHA|USDA|VA) 2 $690,000 $345,000 $6,020 2.93%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $680,000 $170,000 $3,829 3.31%
DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $675,000 $225,000 $7,117 3.25%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $675,000 $225,000 $7,591 3.79%
Granbury, TX (FHA|USDA|VA) 3 $665,000 $221,667 $7,775 3.21%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $665,000 $221,667 $6,498 3.33%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $660,000 $330,000 $4,285 3.50%
CaƱon City, CO (FHA|USDA|VA) 4 $650,000 $162,500 $5,776 2.81%
LYNCHBURG, VA (FHA|USDA|VA) 3 $625,000 $208,333 $4,441 2.83%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 3 $625,000 $208,333 $9,079 3.17%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $610,000 $305,000 $5,827 3.63%
Galesburg, IL (FHA|USDA|VA) 5 $605,000 $121,000 $6,354 2.78%
Crescent City, CA (FHA|USDA|VA) 1 $565,000 $565,000 $16,433 2.50%
Mount Vernon, OH (FHA|USDA|VA) 3 $565,000 $188,333 $5,471 2.66%
MADISON, WI (FHA|USDA|VA) 2 $550,000 $275,000 $5,868 3.25%
Oak Harbor, WA (FHA|USDA|VA) 2 $550,000 $275,000 $9,880 3.13%
Sandpoint, ID (FHA|USDA|VA) 1 $545,000 $545,000 $7,587 2.75%
Breckenridge, CO (FHA|USDA|VA) 1 $545,000 $545,000 $2,368 3.25%
Payson, AZ (FHA|USDA|VA) 2 $540,000 $270,000 $8,223 2.87%
Durango, CO (FHA|USDA|VA) 2 $540,000 $270,000 $7,677 2.50%
MUSKEGON, MI (FHA|USDA|VA) 2 $530,000 $265,000 $3,008 2.69%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $530,000 $265,000 $9,388 2.50%
THE VILLAGES, FL (FHA|USDA|VA) 4 $520,000 $130,000 $6,312 3.69%
JACKSON, MI (FHA|USDA|VA) 4 $520,000 $130,000 $4,332 3.43%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $515,000 $171,667 $8,532 4.20%
MONROE, MI (FHA|USDA|VA) 3 $515,000 $171,667 $5,523 3.00%
HAMMOND, LA (FHA|USDA|VA) 2 $500,000 $250,000 $9,362 4.88%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 4 $490,000 $122,500 $4,630 3.59%
Clearlake, CA (FHA|USDA|VA) 2 $480,000 $240,000 $3,960 2.81%
Newberry, SC (FHA|USDA|VA) 2 $470,000 $235,000 $6,545 3.62%
DECATUR, AL (FHA|USDA|VA) 3 $465,000 $155,000 $7,299 2.91%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $465,000 $465,000 $3,985 2.25%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $460,000 $230,000 $7,596 3.50%
WALLA WALLA, WA (FHA|USDA|VA) 2 $460,000 $230,000 $4,153 3.00%
ROCKFORD, IL (FHA|USDA|VA) 3 $455,000 $151,667 $6,094 3.87%
Ontario, OR-ID (FHA|USDA|VA) 2 $450,000 $225,000 $5,948 2.63%
Cambridge, MD (FHA|USDA|VA) 2 $450,000 $225,000 $5,355 3.38%
Port Angeles, WA (FHA|USDA|VA) 2 $440,000 $220,000 $8,951 2.93%
ABILENE, TX (FHA|USDA|VA) 4 $440,000 $110,000 $5,333 3.44%
CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $435,000 $145,000 $5,679 3.50%
FORT COLLINS, CO (FHA|USDA|VA) 1 $435,000 $435,000 $5,840 2.99%
EL CENTRO, CA (FHA|USDA|VA) 2 $430,000 $215,000 $8,143 3.38%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $425,000 $425,000 $4,545 4.00%
Atmore, AL (FHA|USDA|VA) 2 $420,000 $210,000 $8,928 2.88%
Martinsville, VA (FHA|USDA|VA) 1 $415,000 $415,000 $6,589 3.75%
Defiance, OH (FHA|USDA|VA) 2 $410,000 $205,000 $7,413 3.50%
TYLER, TX (FHA|USDA|VA) 2 $400,000 $200,000 $7,448 3.25%
YAKIMA, WA (FHA|USDA|VA) 2 $400,000 $200,000 $5,075 2.50%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $400,000 $200,000 $5,894 3.75%
READING, PA (FHA|USDA|VA) 3 $395,000 $131,667 $5,207 2.88%
Kendallville, IN (FHA|USDA|VA) 2 $390,000 $195,000 $7,990 3.38%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $380,000 $190,000 $10,048 3.00%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $380,000 $190,000 $7,739 3.31%
Salem, OH (FHA|USDA|VA) 3 $375,000 $125,000 $2,806 2.75%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $365,000 $365,000 $6,822 2.38%
Key West, FL (FHA|USDA|VA) 1 $365,000 $365,000 $1,859 3.13%
LONGVIEW, TX (FHA|USDA|VA) 2 $360,000 $180,000 $6,150 3.06%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $350,000 $175,000 $7,128 3.75%
Cookeville, TN (FHA|USDA|VA) 1 $345,000 $345,000 $18,158 3.25%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $345,000 $345,000 $19,304 3.75%
Austin, MN (FHA|USDA|VA) 1 $345,000 $345,000 $5,798 3.63%
Ukiah, CA (FHA|USDA|VA) 1 $335,000 $335,000 $10,244 3.75%
Torrington, CT (FHA|USDA|VA) 1 $335,000 $335,000 $17,971 3.75%
Palatka, FL (FHA|USDA|VA) 2 $330,000 $165,000 $6,056 3.31%
MONROE, LA (FHA|USDA|VA) 2 $330,000 $165,000 $7,784 3.94%
MISSOULA, MT (FHA|USDA|VA) 1 $325,000 $325,000 $3,759 2.63%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $325,000 $325,000 $12,375 2.63%
BOISE CITY, ID (FHA|USDA|VA) 1 $325,000 $325,000 $0 5.63%
Findlay, OH (FHA|USDA|VA) 1 $315,000 $315,000 $3,220 3.75%
Cambridge, OH (FHA|USDA|VA) 1 $315,000 $315,000 $5,473 2.88%
Danville, KY (FHA|USDA|VA) 1 $315,000 $315,000 $17,374 3.25%
Traverse City, MI (FHA|USDA|VA) 2 $310,000 $155,000 $5,181 3.06%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $305,000 $305,000 $2,314 2.50%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $305,000 $305,000 $11,267 2.25%
Sunbury, PA (FHA|USDA|VA) 3 $305,000 $101,667 $6,829 3.25%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $300,000 $150,000 $5,111 3.13%
GAINESVILLE, FL (FHA|USDA|VA) 2 $300,000 $150,000 $4,678 3.00%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $295,000 $295,000 $0 3.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $295,000 $295,000 $2,811 2.75%
LUBBOCK, TX (FHA|USDA|VA) 1 $285,000 $285,000 $4,924 3.75%
ASHEVILLE, NC (FHA|USDA|VA) 1 $285,000 $285,000 $9,388 4.38%
Newport, TN (FHA|USDA|VA) 2 $280,000 $140,000 $3,754 3.31%
Kerrville, TX (FHA|USDA|VA) 1 $275,000 $275,000 $0 6.50%
PUEBLO, CO (FHA|USDA|VA) 1 $275,000 $275,000 $7,844 3.25%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $275,000 $275,000 $14,990 3.25%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $265,000 $265,000 $12,299 3.25%
Ashtabula, OH (FHA|USDA|VA) 2 $260,000 $130,000 $5,460 4.00%
Marion, OH (FHA|USDA|VA) 1 $255,000 $255,000 $5,999 3.25%
Bonham, TX (FHA|USDA|VA) 1 $255,000 $255,000 $7,909 2.75%
ROANOKE, VA (FHA|USDA|VA) 1 $245,000 $245,000 $7,626 3.25%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $245,000 $245,000 $9,245 2.63%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $245,000 $245,000 $7,347 2.50%
Pottsville, PA (FHA|USDA|VA) 1 $235,000 $235,000 $12,650 3.25%
Glasgow, KY (FHA|USDA|VA) 1 $225,000 $225,000 $10,527 3.75%
Zanesville, OH (FHA|USDA|VA) 1 $225,000 $225,000 $10,875 2.88%
Natchitoches, LA (FHA|USDA|VA) 1 $225,000 $225,000 $6,706 2.88%
SUMTER, SC (FHA|USDA|VA) 1 $225,000 $225,000 $2,944 3.88%
OWENSBORO, KY (FHA|USDA|VA) 2 $220,000 $110,000 $6,781 3.81%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $215,000 $215,000 $13,043 2.99%
Athens, TX (FHA|USDA|VA) 1 $215,000 $215,000 $7,858 3.99%
Eagle Pass, TX (FHA|USDA|VA) 1 $215,000 $215,000 $7,321 3.75%
AMARILLO, TX (FHA|USDA|VA) 1 $215,000 $215,000 $8,850 3.63%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $8,498 2.50%
Cadillac, MI (FHA|USDA|VA) 1 $205,000 $205,000 $1,959 2.25%
Lufkin, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,179 3.75%
FLORENCE, SC (FHA|USDA|VA) 1 $205,000 $205,000 $8,584 3.75%
WILMINGTON, NC (FHA|USDA|VA) 1 $205,000 $205,000 $2,372 2.75%
Safford, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $5,103 2.88%
LaGrange, GA-AL (FHA|USDA|VA) 1 $195,000 $195,000 $11,068 3.25%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $185,000 $185,000 $10,377 2.25%
Wooster, OH (FHA|USDA|VA) 1 $185,000 $185,000 $6,700 2.25%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $185,000 $185,000 $7,945 4.00%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.88%
Pahrump, NV (FHA|USDA|VA) 1 $185,000 $185,000 $11,084 3.00%
Sandusky, OH (FHA|USDA|VA) 1 $185,000 $185,000 $8,176 2.75%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $185,000 $185,000 $11,202 3.75%
Beaver Dam, WI (FHA|USDA|VA) 1 $175,000 $175,000 $8,353 2.99%
Lake City, FL (FHA|USDA|VA) 1 $175,000 $175,000 $4,436 3.99%
Richmond-Berea, KY (FHA|USDA|VA) 1 $175,000 $175,000 $4,518 3.63%
Vidalia, GA (FHA|USDA|VA) 1 $175,000 $175,000 $9,686 2.88%
Union, SC (FHA|USDA|VA) 1 $175,000 $175,000 $10,776 3.99%
Troy, AL (FHA|USDA|VA) 1 $165,000 $165,000 $3,090 3.75%
LEBANON, PA (FHA|USDA|VA) 1 $165,000 $165,000 $6,418 2.63%
Athens, TN (FHA|USDA|VA) 1 $155,000 $155,000 $7,721 2.50%
Wapakoneta, OH (FHA|USDA|VA) 1 $155,000 $155,000 $6,137 3.75%
Greeneville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $7,880 2.75%
GETTYSBURG, PA (FHA|USDA|VA) 1 $155,000 $155,000 $4,066 3.25%
Woodward, OK (FHA|USDA|VA) 1 $145,000 $145,000 $7,234 2.25%
Sterling, CO (FHA|USDA|VA) 1 $145,000 $145,000 $3,340 2.75%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $145,000 $145,000 $4,865 4.00%
Centralia, IL (FHA|USDA|VA) 1 $135,000 $135,000 $4,436 4.00%
Coshocton, OH (FHA|USDA|VA) 1 $135,000 $135,000 $5,910 2.88%
SAGINAW, MI (FHA|USDA|VA) 1 $135,000 $135,000 $4,674 4.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $135,000 $135,000 $6,647 3.75%
LAFAYETTE, LA (FHA|USDA|VA) 1 $135,000 $135,000 $7,828 3.75%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $135,000 $135,000 $8,911 3.50%
Bellefontaine, OH (FHA|USDA|VA) 1 $125,000 $125,000 $7,518 2.75%
Stephenville, TX (FHA|USDA|VA) 1 $125,000 $125,000 $5,045 2.50%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $125,000 $125,000 $4,978 3.75%
Mineral Wells, TX (FHA|USDA|VA) 1 $125,000 $125,000 $5,926 2.88%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $125,000 $125,000 $4,797 3.25%
MIDLAND, MI (FHA|USDA|VA) 1 $115,000 $115,000 $2,539 3.25%
Norwalk, OH (FHA|USDA|VA) 1 $105,000 $105,000 $5,390 2.50%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,035 4.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $105,000 $105,000 $4,917 3.75%
GREEN BAY, WI (FHA|USDA|VA) 1 $105,000 $105,000 $3,537 3.75%
Del Rio, TX (FHA|USDA|VA) 1 $95,000 $95,000 $3,309 3.50%
Ottawa, IL (FHA|USDA|VA) 1 $85,000 $85,000 $5,991 3.25%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $85,000 $85,000 $2,981 4.00%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $85,000 $85,000 $2,727 3.25%
Urbana, OH (FHA|USDA|VA) 1 $75,000 $75,000 $4,531 3.75%
Lincoln, IL (FHA|USDA|VA) 1 $75,000 $75,000 $4,461 2.50%
Portsmouth, OH (FHA|USDA|VA) 1 $75,000 $75,000 $1,939 2.50%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $65,000 $65,000 $4,748 2.75%
MANSFIELD, OH (FHA|USDA|VA) 1 $55,000 $55,000 $2,263 3.50%

Nations Direct Mortgage 's top markets include Los Angeles, Portland, Riverside, Sacramento, and Salem among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 5,717 $2,170,075,000 $379,583 $6,047 3.16%
FHA 2,183 $645,435,000 $295,664 $10,595 3.05%
VA 1,545 $564,975,000 $365,680 $7,731 2.73%
USDA 77 $14,815,000 $192,403 $6,697 2.97%

For the 2021 period, Nations Direct Mortgage 's most frequently originated loan type of loans were Conventional, with 5,717 originations. Their 2nd most popular type is FHA, with 2,183 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 4,250 $1,561,920,000 $367,511 $8,674 3.22%
Refi 3,054 $1,026,220,000 $336,025 $5,290 2.82%
Cash Out Refi 2,218 $807,160,000 $363,913 $8,065 3.10%

For the 2021, Nations Direct Mortgage 's most frequently cited loan purpose of loans were Home Purchase, with 4,250 originations. The 2nd most popular reason of loans were Refi, with 3,054 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 8,621 $3,144,655,000 $364,767 $7,731 3.11%
15 Year 597 $157,675,000 $264,112 $4,409 2.43%
20 Year 183 $49,725,000 $271,721 $4,764 2.85%
Other 86 $27,600,000 $320,930 $5,418 2.81%
10 Year 25 $4,205,000 $168,200 $3,124 2.51%
30+ year 10 $11,440,000 $1,144,000 $19,298 4.45%

For the 2021, Nations Direct Mortgage 's most frequently cited loan length of loans were 30 Year, with 8,621 originations. The 2nd most popular length of loans were 15 Year, with 597 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 2,605 $936,345,000 $359,441
$<1k 2,114 $637,200,000 $301,419
$5k+ 1,834 $818,580,000 $446,336
$3k-4k 1,500 $458,190,000 $305,460
$2k-3k 1,052 $325,940,000 $309,829

$7,731 of loans were Nations Direct Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 2,605 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 3,764 $1,328,680,000 $352,997
3-4% 3,316 $1,155,730,000 $348,531
<2.5% 1,924 $642,770,000 $334,080
4-5% 389 $205,635,000 $528,625
5-6% 95 $46,505,000 $489,526
6-7% 34 $15,980,000 $470,000

During 2021, Nations Direct Mortgage 's average interest rate of loans were 3.11%, while their most frequently originated rate bucket of loans were 2.5-3%, with 3,764 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 4,574 $1,361,770,000 $297,720 $6,932 3.03%
$400k-600k 2,401 $1,161,435,000 $483,730 $8,496 2.99%
$100k-200k 1,648 $258,440,000 $156,820 $5,270 3.08%
$600k-1MM 625 $453,755,000 $726,008 $12,414 3.33%
$100,000 or less 171 $13,975,000 $81,725 $4,131 3.17%
$1MM+ 103 $145,925,000 $1,416,748 $24,609 4.07%

2021 saw Nations Direct Mortgage place emphasis on $200k-400k loans with 4,574 originations, totaling $1,361,770,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 2,122 $844,020,000 $397,747 $7,999 3.05%
$50k-75k 2,037 $555,295,000 $272,604 $6,991 3.01%
$75k-100k 1,861 $633,925,000 $340,637 $7,612 3.01%
$50k or less 1,669 $434,875,000 $260,560 $5,720 3.04%
$150k-250k 1,196 $548,890,000 $458,938 $8,064 3.10%
$250k+ 631 $374,995,000 $594,287 $9,747 3.44%

Nations Direct Mortgage lent most frequently to those with incomes in the $100k-150k range, with 2,122 originations. The second most popular income band? $50k-75k, with 2,037 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,435 $472,335,000 $329,153 $6,205 3.01%
30-36% 1,372 $470,990,000 $343,287 $7,062 3.02%
50-60% 724 $257,340,000 $355,442 $11,653 2.98%
<20% 523 $194,845,000 $372,553 $6,653 3.27%
44% 439 $165,005,000 $375,866 $7,353 3.09%
49% 423 $158,425,000 $374,527 $7,922 3.06%
42% 379 $140,455,000 $370,594 $7,583 3.11%
41% 366 $139,320,000 $380,656 $7,682 3.13%
43% 363 $136,605,000 $376,322 $7,735 3.10%
40% 360 $127,370,000 $353,806 $7,581 3.12%
48% 326 $118,260,000 $362,761 $7,451 3.03%
45% 321 $118,645,000 $369,611 $7,357 3.01%
46% 315 $111,095,000 $352,683 $7,639 3.05%
39% 307 $108,085,000 $352,068 $7,184 3.06%
38% 303 $105,335,000 $347,640 $6,888 3.13%
47% 297 $108,425,000 $365,067 $7,987 3.12%
37% 272 $97,400,000 $358,088 $7,615 3.10%
36% 267 $89,775,000 $336,236 $7,276 3.13%
>60% 31 $13,125,000 $423,387 $9,738 3.08%

Nations Direct Mortgage lent most frequently to those with DTI ratios of 20-30%, with 1,435 originations. The next most common DTI ratio? 30-36%, with 1,372 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 6,410 $2,226,460,000 $347,342 $7,202 3.01%
Not provided 1,711 $676,305,000 $395,269 $7,560 3.13%
Black 881 $275,995,000 $313,275 $8,686 3.27%
Asian 413 $173,525,000 $420,157 $7,392 3.14%
American Indian 56 $22,070,000 $394,107 $8,517 3.26%
Native Hawaiian 42 $17,510,000 $416,905 $8,983 3.13%
Other Asian 4 $1,470,000 $367,500 $12,260 3.75%
Asian Indian 3 $735,000 $245,000 $3,392 3.00%
Filipino 1 $625,000 $625,000 $17,686 3.63%
Korean 1 $605,000 $605,000 $5,247 2.99%

Approval Rates

Total approvals of all applications
93.24%

Nations Direct Mortgage has an average approval rate.

Pick Rate

Approvals leading to origination
63.91%

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
NA 9,522 $3,395,300,000 $356,574

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
9,522 $3,395,300,000 $356,574

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 523 $137,925,000 $263,719 $4,885 2.80%
40-60% 1,583 $533,285,000 $336,883 $5,612 2.94%
60-80% 2,976 $1,168,270,000 $392,564 $7,228 3.17%
80-100% 4,149 $1,441,905,000 $347,531 $8,166 3.08%
Over 100% 247 $104,615,000 $423,543 $14,250 2.84%
Under 20% 41 $8,465,000 $206,463 $4,463 2.86%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
Nations Direct Mortgage, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 4.5%
Nations Direct Mortgage, LLC Conventional home mortgage Closing on a mortgage 1 4.5%
Nations Direct Mortgage, LLC Conventional home mortgage Trouble during payment process 7 31.8%
Nations Direct Mortgage, LLC FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 4.5%
Nations Direct Mortgage, LLC FHA mortgage Closing on a mortgage 1 4.5%
Nations Direct Mortgage, LLC FHA mortgage Incorrect information on your report 1 4.5%
Nations Direct Mortgage, LLC FHA mortgage Struggling to pay mortgage 3 13.6%
Nations Direct Mortgage, LLC FHA mortgage Trouble during payment process 5 22.7%
Nations Direct Mortgage, LLC Other type of mortgage Trouble during payment process 1 4.5%
Nations Direct Mortgage, LLC VA mortgage Struggling to pay mortgage 1 4.5%