Nations Direct Mortgage Rates, Fees & Info
Sacramento, CALEI: 549300QKL5FUBZ8LSF50
Tax ID: 20-8544905
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Mortgage Data
Review & Overview
Nations Direct Mortgage is a small mortgage company specializing in Home Purchase and Cash Out Refi loans. Nations Direct Mortgage 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: Los Angeles, Portland, Riverside, Chicago, and Detroit among others. We have data for 292 markets. (Some data included below & more in-depth data is available with an active subscription.)Nations Direct Mortgage 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 Direct Mortgage 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 | 6.97% | 4/18/24 |
| 30 Year Conventional Refi | 6.57% | 4/18/24 |
| 30 Year Cash-out Refi | 6.83% | 4/18/24 |
| 30 Year FHA Purchase | 7.33% | 4/18/24 |
| 30 Year FHA Refi | 6.99% | 4/18/24 |
| 30 Year VA Purchase | 6.37% | 4/18/24 |
| 30 Year VA Refi | 5.69% | 4/18/24 |
| 30 Year USDA Purchase | 6.61% | 4/18/24 |
| 15 Year Conventional Purchase | 5.97% | 4/18/24 |
| 15 Year Conventional Refi | 5.79% | 4/18/24 |
| 15 Year Cash-out Refi | 5.79% | 4/18/24 |
| 15 Year FHA Refi | 5.68% | 4/18/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,924Origination Dollar Volume (All Markets)
$1,264,900,000Awards
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NATIONS DIRECT MORTGAGE - 2018
NATIONS DIRECT MORTGAGE is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 647 | $270,785,000 | $418,524 | $9,411 | 4.83% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 460 | $153,700,000 | $334,130 | $7,238 | 4.51% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 291 | $85,425,000 | $293,557 | $7,674 | 4.74% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 348 | $75,560,000 | $217,126 | $7,047 | 4.92% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 335 | $53,365,000 | $159,299 | $4,757 | 4.92% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 167 | $42,185,000 | $252,605 | $7,978 | 5.03% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 203 | $37,985,000 | $187,118 | $6,638 | 4.94% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 161 | $31,645,000 | $196,553 | $5,979 | 4.91% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 45 | $23,645,000 | $525,444 | $9,266 | 4.90% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 55 | $22,285,000 | $405,182 | $9,019 | 4.80% |
| SALEM, OR (FHA|USDA|VA) | 64 | $17,030,000 | $266,094 | $6,150 | 4.53% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 84 | $17,000,000 | $202,381 | $6,545 | 4.98% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 35 | $16,945,000 | $484,143 | $10,882 | 4.71% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 37 | $15,315,000 | $413,919 | $9,708 | 4.74% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 39 | $12,855,000 | $329,615 | $8,062 | 4.84% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 42 | $12,600,000 | $300,000 | $8,732 | 5.13% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 78 | $12,140,000 | $155,641 | $5,649 | 4.95% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 74 | $11,870,000 | $160,405 | $5,833 | 4.91% |
| Outside of Metro Areas | 76 | $11,400,000 | $150,000 | $5,187 | 4.94% |
| COLUMBUS, OH (FHA|USDA|VA) | 65 | $10,975,000 | $168,846 | $6,208 | 5.01% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 49 | $10,165,000 | $207,449 | $7,400 | 5.06% |
| OCALA, FL (FHA|USDA|VA) | 68 | $9,870,000 | $145,147 | $5,428 | 4.78% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 40 | $9,730,000 | $243,250 | $6,568 | 4.77% |
| STOCKTON, CA (FHA|USDA|VA) | 33 | $8,725,000 | $264,394 | $6,689 | 4.85% |
| BEND, OR (FHA|USDA|VA) | 24 | $8,430,000 | $351,250 | $5,173 | 4.72% |
| BATON ROUGE, LA (FHA|USDA|VA) | 49 | $8,195,000 | $167,245 | $6,244 | 4.94% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 41 | $7,595,000 | $185,244 | $5,164 | 4.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 37 | $7,345,000 | $198,514 | $6,307 | 5.02% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 39 | $7,265,000 | $186,282 | $6,864 | 5.01% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 28 | $7,040,000 | $251,429 | $6,175 | 5.10% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 29 | $6,605,000 | $227,759 | $6,191 | 4.97% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 14 | $5,940,000 | $424,286 | $8,568 | 4.80% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 32 | $5,820,000 | $181,875 | $6,253 | 4.96% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 10 | $5,410,000 | $541,000 | $10,428 | 4.89% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 28 | $5,310,000 | $189,643 | $6,557 | 4.69% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 26 | $5,220,000 | $200,769 | $7,791 | 5.04% |
| COLUMBIA, SC (FHA|USDA|VA) | 23 | $4,945,000 | $215,000 | $4,270 | 5.15% |
| SPARTANBURG, SC (FHA|USDA|VA) | 29 | $4,505,000 | $155,345 | $5,803 | 4.86% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 11 | $4,335,000 | $394,091 | $8,521 | 6.20% |
| KNOXVILLE, TN (FHA|USDA|VA) | 23 | $4,255,000 | $185,000 | $8,097 | 4.46% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 22 | $4,230,000 | $192,273 | $5,997 | 5.15% |
| WACO, TX (FHA|USDA|VA) | 24 | $4,180,000 | $174,167 | $4,534 | 4.90% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 16 | $4,070,000 | $254,375 | $5,580 | 4.55% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 19 | $3,745,000 | $197,105 | $6,006 | 4.83% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $3,705,000 | $411,667 | $7,864 | 4.88% |
| MODESTO, CA (FHA|USDA|VA) | 14 | $3,600,000 | $257,143 | $6,665 | 4.71% |
| SALINAS, CA (FHA|USDA|VA) | 10 | $3,370,000 | $337,000 | $8,791 | 4.63% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 10 | $3,110,000 | $311,000 | $9,337 | 4.35% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 20 | $3,070,000 | $153,500 | $5,869 | 5.32% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 18 | $2,980,000 | $165,556 | $5,030 | 5.08% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 11 | $2,965,000 | $269,545 | $9,636 | 5.11% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 7 | $2,955,000 | $422,143 | $9,094 | 6.04% |
| ANCHORAGE, AK (FHA|USDA|VA) | 9 | $2,945,000 | $327,222 | $7,882 | 4.40% |
| FRESNO, CA (FHA|USDA|VA) | 11 | $2,745,000 | $249,545 | $6,096 | 5.39% |
| Roseburg, OR (FHA|USDA|VA) | 11 | $2,665,000 | $242,273 | $7,043 | 4.69% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 14 | $2,650,000 | $189,286 | $6,152 | 5.13% |
| LONGVIEW, WA (FHA|USDA|VA) | 9 | $2,575,000 | $286,111 | $5,433 | 4.46% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 10 | $2,520,000 | $252,000 | $5,505 | 6.04% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 7 | $2,505,000 | $357,857 | $7,053 | 4.68% |
| MERCED, CA (FHA|USDA|VA) | 10 | $2,460,000 | $246,000 | $6,167 | 4.78% |
| VALLEJO, CA (FHA|USDA|VA) | 7 | $2,435,000 | $347,857 | $8,429 | 5.13% |
| Greenwood, SC (FHA|USDA|VA) | 20 | $2,380,000 | $119,000 | $5,577 | 5.16% |
| LAFAYETTE, LA (FHA|USDA|VA) | 14 | $2,250,000 | $160,714 | $5,295 | 5.12% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 12 | $2,230,000 | $185,833 | $6,500 | 4.58% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 12 | $2,150,000 | $179,167 | $5,512 | 5.25% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 18 | $2,140,000 | $118,889 | $5,740 | 4.75% |
| Cedartown, GA (FHA|USDA|VA) | 15 | $2,135,000 | $142,333 | $4,540 | 4.81% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 14 | $2,130,000 | $152,143 | $4,818 | 4.88% |
| Astoria, OR (FHA|USDA|VA) | 6 | $2,070,000 | $345,000 | $6,761 | 4.50% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 9 | $1,965,000 | $218,333 | $6,157 | 5.18% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 6 | $1,880,000 | $313,333 | $10,199 | 4.67% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 4 | $1,770,000 | $442,500 | $8,290 | 5.94% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 10 | $1,720,000 | $172,000 | $7,209 | 4.61% |
| FLINT, MI (FHA|USDA|VA) | 13 | $1,705,000 | $131,154 | $4,957 | 5.01% |
| Traverse City, MI (FHA|USDA|VA) | 7 | $1,695,000 | $242,143 | $6,045 | 5.02% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $7,585 | 5.02% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $1,545,000 | $220,714 | $5,331 | 5.13% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 8 | $1,500,000 | $187,500 | $5,481 | 4.80% |
| GAINESVILLE, FL (FHA|USDA|VA) | 9 | $1,465,000 | $162,778 | $4,396 | 4.81% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 7 | $1,355,000 | $193,571 | $5,622 | 4.84% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $5,400 | 4.58% |
| NAPA, CA (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $19,196 | 4.46% |
| BILLINGS, MT (FHA|USDA|VA) | 6 | $1,290,000 | $215,000 | $6,624 | 5.65% |
| TYLER, TX (FHA|USDA|VA) | 6 | $1,290,000 | $215,000 | $7,541 | 5.15% |
| LYNCHBURG, VA (FHA|USDA|VA) | 9 | $1,285,000 | $142,778 | $5,437 | 4.68% |
| ANN ARBOR, MI (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $8,041 | 4.95% |
| DOVER, DE (FHA|USDA|VA) | 6 | $1,250,000 | $208,333 | $6,923 | 4.92% |
| Coos Bay, OR (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $4,559 | 4.68% |
| EL CENTRO, CA (FHA|USDA|VA) | 6 | $1,170,000 | $195,000 | $6,080 | 4.88% |
| REDDING, CA (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $4,763 | 4.50% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 9 | $1,165,000 | $129,444 | $6,161 | 4.86% |
| CORVALLIS, OR (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $4,858 | 4.58% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $5,858 | 5.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 7 | $1,115,000 | $159,286 | $5,956 | 5.09% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $14,018 | 6.25% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $9,130 | 5.78% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 6 | $1,040,000 | $173,333 | $5,312 | 4.83% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 7 | $1,025,000 | $146,429 | $6,239 | 4.84% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $4,737 | 4.88% |
| Prineville, OR (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $3,036 | 4.31% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 8 | $990,000 | $123,750 | $3,718 | 5.08% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $11,040 | 6.54% |
| Ardmore, OK (FHA|USDA|VA) | 8 | $980,000 | $122,500 | $5,317 | 5.08% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $4,898 | 5.65% |
| PROVO-OREM, UT (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $5,580 | 4.97% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $3,545 | 6.15% |
| EL PASO, TX (FHA|USDA|VA) | 8 | $920,000 | $115,000 | $4,706 | 4.91% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 8 | $910,000 | $113,750 | $5,868 | 5.06% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 6 | $910,000 | $151,667 | $4,964 | 4.85% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 6 | $910,000 | $151,667 | $6,557 | 4.60% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $8,254 | 4.83% |
| Kalispell, MT (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $6,547 | 4.78% |
| READING, PA (FHA|USDA|VA) | 7 | $815,000 | $116,429 | $4,727 | 4.80% |
| Key West, FL (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $8,484 | 4.81% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $4,397 | 6.50% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $8,086 | 4.69% |
| LIMA, OH (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $5,179 | 5.30% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $4,524 | 5.97% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $3,537 | 4.95% |
| MADERA, CA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $3,206 | 4.94% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 5 | $745,000 | $149,000 | $5,026 | 5.10% |
| Port Angeles, WA (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $6,634 | 5.72% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $6,366 | 5.84% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $5,732 | 5.46% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $4,820 | 5.08% |
| Mount Vernon, OH (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $6,714 | 4.93% |
| ST. CLOUD, MN (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $7,137 | 4.79% |
| Adrian, MI (FHA|USDA|VA) | 6 | $670,000 | $111,667 | $4,275 | 4.94% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $5,970 | 4.83% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $4,484 | 4.63% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $6,233 | 4.63% |
| Newport, OR (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $5,468 | 4.54% |
| LOUISVILLE, KY (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $5,768 | 5.50% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $10,329 | 4.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $5,160 | 5.25% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $4,632 | 5.05% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $2,668 | 5.90% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,705 | 5.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $6,999 | 6.09% |
| Brookings, OR (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $7,636 | 4.63% |
| AKRON, OH (FHA|USDA|VA) | 5 | $575,000 | $115,000 | $5,932 | 4.58% |
| Centralia, WA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,960 | 4.69% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $6,482 | 4.67% |
| Shelton, WA (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $4,643 | 4.38% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $10,184 | 5.38% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $3,985 | 4.88% |
| Richmond-Berea, KY (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $10,411 | 4.50% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $6,602 | 5.13% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,406 | 4.56% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,954 | 4.56% |
| Seneca, SC (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $6,461 | 5.17% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $5,174 | 5.47% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,800 | 5.00% |
| Urbana, OH (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $6,017 | 5.06% |
| Natchitoches, LA (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $5,282 | 4.88% |
| FORT WAYNE, IN (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $5,816 | 4.63% |
| ROCKFORD, IL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $5,329 | 5.04% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $4,327 | 4.63% |
| HAMMOND, LA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $7,674 | 5.79% |
| Cañon City, CO (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,849 | 5.17% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $6,552 | 4.58% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,573 | 5.75% |
| Okeechobee, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,884 | 4.94% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $10,607 | 4.00% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $11,975 | 7.99% |
| Thomasville, GA (FHA|USDA|VA) | 5 | $405,000 | $81,000 | $6,177 | 4.83% |
| Opelousas, LA (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $5,284 | 5.34% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $5,437 | 5.06% |
| Sanford, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $9,764 | 4.50% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,118 | 5.25% |
| Granbury, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $14,351 | 4.25% |
| MONROE, MI (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,936 | 3.94% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $3,577 | 5.04% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $5,294 | 5.08% |
| Selma, AL (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $5,179 | 5.21% |
| Ottawa, IL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,169 | 5.38% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,725 | 5.13% |
| Marion, OH (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,272 | 5.13% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,940 | 6.19% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 8.63% |
| Hood River, OR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $15,606 | 3.75% |
| Durango, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,466 | 4.38% |
| Sunbury, PA (FHA|USDA|VA) | 4 | $320,000 | $80,000 | $6,117 | 5.28% |
| Lake City, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,546 | 5.38% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,879 | 5.38% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,402 | 5.50% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,391 | 5.00% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,423 | 4.50% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,556 | 5.50% |
| Palatka, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,228 | 4.56% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $8,189 | 4.25% |
| CHICO, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,977 | 4.50% |
| TULSA, OK (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,935 | 5.31% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 6.75% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,196 | 5.50% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,863 | 4.38% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,114 | 5.00% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,564 | 4.63% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,957 | 4.81% |
| Salem, OH (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $5,576 | 4.88% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,176 | 4.50% |
| Willmar, MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,199 | 4.88% |
| MANSFIELD, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $6,193 | 5.06% |
| Marietta, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,608 | 5.25% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,164 | 4.25% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,985 | 5.75% |
| Zanesville, OH (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,954 | 4.75% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,138 | 6.63% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,369 | 3.63% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,413 | 5.25% |
| Alma, MI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,918 | 4.81% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,044 | 4.75% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,133 | 4.75% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,097 | 5.63% |
| Ashtabula, OH (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,724 | 4.69% |
| London, KY (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,473 | 5.00% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,290 | 4.44% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,405 | 3.88% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,405 | 4.38% |
| Norwalk, OH (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $5,310 | 4.44% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,245 | 4.38% |
| Wooster, OH (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,727 | 5.63% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $12,027 | 5.25% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,383 | 5.13% |
| JACKSON, MI (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $3,755 | 5.63% |
| MONROE, LA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,637 | 5.19% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $5,402 | 4.81% |
| Cullman, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,983 | 4.25% |
| Heber, UT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 6.88% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,350 | 5.50% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,242 | 4.25% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,864 | 4.88% |
| Escanaba, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,451 | 5.13% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,657 | 3.75% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,923 | 5.00% |
| Holland, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,648 | 5.50% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,567 | 5.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,329 | 4.50% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,129 | 5.13% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,615 | 4.63% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,218 | 5.25% |
| Atmore, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,061 | 5.25% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,446 | 5.38% |
| JOPLIN, MO (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $2,816 | 5.88% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,471 | 4.75% |
| Washington Court House, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,340 | 4.38% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,673 | 5.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,505 | 3.63% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,757 | 5.38% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,730 | 5.50% |
| Othello, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,153 | 4.38% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,632 | 4.38% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,340 | 5.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,149 | 8.13% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,021 | 4.50% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,180 | 5.13% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,999 | 5.75% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,370 | 4.88% |
| Union, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,948 | 5.25% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $3,395 | 5.63% |
| Danville, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,101 | 3.88% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,791 | 5.25% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,963 | 5.25% |
| Jasper, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,194 | 4.75% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,645 | 4.38% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $500 | 4.25% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,068 | 4.75% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,696 | 4.63% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,419 | 4.88% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,121 | 4.75% |
| McAlester, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,474 | 4.63% |
| Seymour, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,932 | 5.25% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,492 | 4.25% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,951 | 5.75% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,189 | 4.38% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,569 | 5.88% |
| ROME, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,573 | 5.00% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,423 | 5.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,227 | 5.38% |
| Defiance, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,504 | 4.38% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $7,124 | 4.50% |
| Galesburg, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,624 | 5.25% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,758 | 4.75% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,761 | 5.50% |
| Fremont, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,286 | 4.50% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,222 | 5.25% |
| Van Wert, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,757 | 5.50% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,260 | 5.50% |
| Americus, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,903 | 4.88% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,203 | 4.75% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,245 | 5.13% |
| Athens, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,776 | 4.38% |
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Product Mix
For 2018, Nations Direct Mortgage's most frequently originated type of loan was Conventional, with 1,978 originations. Their 2nd most popular type was FHA, with 1,971 originations.
Loan Reason
For 2018, Nations Direct Mortgage's most frequently cited loan purpose was Home Purchase, with 3,622 originations. The 2nd most popular reason was Cash Out Refi, with 956 originations.
Loan Duration/Length
For 2018, Nations Direct Mortgage's most frequently cited loan duration was 30 Year, with 4,801 originations. The 2nd most popular length was 15 Year, with 79 originations.
Origination Fees/Closing Costs
Nations Direct Mortgage's average total fees were $6,973, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,125 originations.
Interest Rates
During 2018, Nations Direct Mortgage's average interest rate for loans was 4.89%, while their most frequently originated rate bucket for loans was 4-5%, with 3,002 originations.
Loan Sizing
2018 saw Nations Direct Mortgage place emphasis on $200k-400k loans with 2,035 originations, totaling $572,805,000 in origination value.
Applicant Income
Nations Direct Mortgage lent most frequently to those with incomes in the $50k-75k range, with 1,456 originations. The second most popular income band? $50k or less, with 1,322 originations.
Applicant Debt to Income Ratio
Nations Direct Mortgage lent most frequently to those with DTI ratios of 50-60%, with 737 originations. The next most common DTI ratio? 30-36%, with 610 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.93%
Nations Direct Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination60.56%
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 | 4,924 | $1,264,900,000 | $256,885 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 124 | $19,880,000 | $160,323 |
| Single Family (1-4 Units):Site-Built | 4,800 | $1,245,020,000 | $259,379 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Nations Direct Mortgage, LLC | Conventional home mortgage | Closing on a mortgage | 1 | 7.7% |
| Nations Direct Mortgage, LLC | Conventional home mortgage | Struggling to pay mortgage | 2 | 15.4% |
| Nations Direct Mortgage, LLC | Conventional home mortgage | Trouble during payment process | 1 | 7.7% |
| Nations Direct Mortgage, LLC | FHA mortgage | Struggling to pay mortgage | 3 | 23.1% |
| Nations Direct Mortgage, LLC | FHA mortgage | Trouble during payment process | 4 | 30.8% |
| Nations Direct Mortgage, LLC | Other type of mortgage | Closing on a mortgage | 1 | 7.7% |
| Nations Direct Mortgage, LLC | Other type of mortgage | Struggling to pay mortgage | 1 | 7.7% |