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, 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 by origination volume include: Los Angeles, Portland, Riverside, San Diego, and Detroit among others. We have data for 297 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% | 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. | ||
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This is not an official calculator from Nations Direct Mortgage. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
6,240Origination Dollar Volume (All Markets)
$2,026,090,000Awards
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NATIONS DIRECT MORTGAGE - 2019
NATIONS DIRECT MORTGAGE is a 2019 , due to their low .
For 2019, 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) | 1,291 | $615,655,000 | $476,882 | $8,936 | 4.25% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 997 | $344,805,000 | $345,843 | $6,007 | 3.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 409 | $129,345,000 | $316,247 | $7,346 | 4.23% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 158 | $88,950,000 | $562,975 | $7,704 | 4.26% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 296 | $51,510,000 | $174,020 | $4,928 | 4.49% |
| SALEM, OR (FHA|USDA|VA) | 162 | $46,470,000 | $286,852 | $5,872 | 3.89% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 75 | $32,595,000 | $434,600 | $6,688 | 3.99% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 114 | $32,020,000 | $280,877 | $5,379 | 4.19% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 141 | $31,705,000 | $224,858 | $6,978 | 4.73% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 73 | $30,085,000 | $412,123 | $7,705 | 4.83% |
| BEND, OR (FHA|USDA|VA) | 78 | $26,910,000 | $345,000 | $7,277 | 3.96% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 120 | $26,860,000 | $223,833 | $7,277 | 4.72% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 47 | $26,705,000 | $568,191 | $9,954 | 4.20% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 52 | $26,230,000 | $504,423 | $7,762 | 4.22% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 91 | $25,565,000 | $280,934 | $7,292 | 4.51% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 103 | $24,225,000 | $235,194 | $7,711 | 4.97% |
| Outside of Metro Areas | 126 | $23,240,000 | $184,444 | $5,154 | 4.34% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 96 | $22,510,000 | $234,479 | $5,758 | 4.65% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 63 | $20,695,000 | $328,492 | $6,897 | 4.38% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 29 | $17,605,000 | $607,069 | $9,311 | 4.40% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 63 | $16,775,000 | $266,270 | $5,798 | 4.17% |
| STOCKTON, CA (FHA|USDA|VA) | 38 | $12,350,000 | $325,000 | $7,248 | 4.15% |
| COLUMBUS, OH (FHA|USDA|VA) | 56 | $12,090,000 | $215,893 | $7,144 | 5.02% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 50 | $11,920,000 | $238,400 | $6,879 | 4.99% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 42 | $10,540,000 | $250,952 | $6,982 | 4.81% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 58 | $9,930,000 | $171,207 | $4,884 | 4.48% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 36 | $9,610,000 | $266,944 | $6,245 | 4.82% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 23 | $9,235,000 | $401,522 | $10,341 | 5.20% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 53 | $9,225,000 | $174,057 | $5,452 | 4.63% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 31 | $8,125,000 | $262,097 | $5,480 | 4.04% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 36 | $7,920,000 | $220,000 | $5,657 | 4.17% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 24 | $7,680,000 | $320,000 | $5,701 | 4.72% |
| BATON ROUGE, LA (FHA|USDA|VA) | 43 | $7,485,000 | $174,070 | $5,629 | 4.51% |
| OCALA, FL (FHA|USDA|VA) | 51 | $7,155,000 | $140,294 | $4,794 | 4.68% |
| KNOXVILLE, TN (FHA|USDA|VA) | 43 | $6,945,000 | $161,512 | $7,408 | 3.92% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 17 | $6,485,000 | $381,471 | $7,185 | 4.69% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 30 | $5,840,000 | $194,667 | $6,741 | 4.79% |
| MODESTO, CA (FHA|USDA|VA) | 21 | $5,815,000 | $276,905 | $6,432 | 4.21% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 27 | $5,285,000 | $195,741 | $5,963 | 4.84% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 17 | $5,285,000 | $310,882 | $6,723 | 4.31% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 15 | $4,915,000 | $327,667 | $6,531 | 4.79% |
| FRESNO, CA (FHA|USDA|VA) | 19 | $4,775,000 | $251,316 | $7,059 | 4.30% |
| VALLEJO, CA (FHA|USDA|VA) | 13 | $4,705,000 | $361,923 | $8,610 | 3.90% |
| SPARTANBURG, SC (FHA|USDA|VA) | 25 | $4,625,000 | $185,000 | $6,284 | 4.74% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 22 | $4,600,000 | $209,091 | $7,206 | 4.55% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 12 | $3,860,000 | $321,667 | $6,471 | 4.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 17 | $3,685,000 | $216,765 | $7,240 | 4.54% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 8 | $3,410,000 | $426,250 | $7,736 | 4.34% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 14 | $3,350,000 | $239,286 | $5,597 | 4.09% |
| Cañon City, CO (FHA|USDA|VA) | 14 | $3,330,000 | $237,857 | $4,564 | 4.39% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 14 | $3,090,000 | $220,714 | $5,340 | 4.87% |
| LONGVIEW, WA (FHA|USDA|VA) | 13 | $3,085,000 | $237,308 | $4,823 | 4.13% |
| Newport, OR (FHA|USDA|VA) | 10 | $2,930,000 | $293,000 | $6,666 | 4.23% |
| WACO, TX (FHA|USDA|VA) | 13 | $2,565,000 | $197,308 | $6,074 | 4.55% |
| COLUMBIA, SC (FHA|USDA|VA) | 13 | $2,475,000 | $190,385 | $4,153 | 4.74% |
| MORRISTOWN, TN (FHA|USDA|VA) | 15 | $2,435,000 | $162,333 | $6,866 | 3.67% |
| SALINAS, CA (FHA|USDA|VA) | 7 | $2,425,000 | $346,429 | $9,291 | 4.64% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 10 | $2,420,000 | $242,000 | $6,054 | 5.29% |
| FLINT, MI (FHA|USDA|VA) | 17 | $2,395,000 | $140,882 | $4,075 | 4.43% |
| Prineville, OR (FHA|USDA|VA) | 9 | $2,385,000 | $265,000 | $5,228 | 3.88% |
| REDDING, CA (FHA|USDA|VA) | 10 | $2,350,000 | $235,000 | $3,758 | 4.01% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $2,300,000 | $575,000 | $7,336 | 5.72% |
| Astoria, OR (FHA|USDA|VA) | 7 | $2,285,000 | $326,429 | $4,327 | 4.11% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 10 | $2,220,000 | $222,000 | $4,981 | 4.56% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $2,215,000 | $443,000 | $11,038 | 4.02% |
| LAFAYETTE, LA (FHA|USDA|VA) | 17 | $2,145,000 | $126,176 | $6,191 | 4.73% |
| MEDFORD, OR (FHA|USDA|VA) | 6 | $2,110,000 | $351,667 | $3,892 | 4.38% |
| Traverse City, MI (FHA|USDA|VA) | 8 | $2,090,000 | $261,250 | $9,993 | 4.80% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 7 | $2,025,000 | $289,286 | $6,823 | 4.20% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 11 | $1,985,000 | $180,455 | $6,037 | 4.66% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 8 | $1,980,000 | $247,500 | $4,495 | 4.19% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 10 | $1,950,000 | $195,000 | $5,028 | 4.31% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 4 | $1,870,000 | $467,500 | $8,872 | 3.84% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 6 | $1,870,000 | $311,667 | $6,605 | 9.78% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 6 | $1,760,000 | $293,333 | $11,082 | 4.81% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $1,660,000 | $830,000 | $7,508 | 6.19% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 8 | $1,630,000 | $203,750 | $6,148 | 4.41% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 8 | $1,590,000 | $198,750 | $7,051 | 4.42% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $1,575,000 | $225,000 | $8,096 | 4.48% |
| MERCED, CA (FHA|USDA|VA) | 5 | $1,565,000 | $313,000 | $3,476 | 4.48% |
| CORVALLIS, OR (FHA|USDA|VA) | 5 | $1,555,000 | $311,000 | $5,045 | 4.10% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 7 | $1,525,000 | $217,857 | $4,754 | 4.52% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 10 | $1,520,000 | $152,000 | $6,233 | 4.53% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 7 | $1,435,000 | $205,000 | $6,004 | 4.75% |
| Hood River, OR (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $6,384 | 4.30% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $9,795 | 5.10% |
| TULSA, OK (FHA|USDA|VA) | 7 | $1,355,000 | $193,571 | $5,623 | 4.23% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 10 | $1,350,000 | $135,000 | $5,549 | 4.16% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 6 | $1,290,000 | $215,000 | $7,247 | 5.50% |
| VISALIA, CA (FHA|USDA|VA) | 6 | $1,280,000 | $213,333 | $6,888 | 3.83% |
| Cedartown, GA (FHA|USDA|VA) | 9 | $1,275,000 | $141,667 | $5,158 | 4.64% |
| PROVO-OREM, UT (FHA|USDA|VA) | 6 | $1,270,000 | $211,667 | $4,865 | 3.92% |
| Roseburg, OR (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $5,753 | 4.75% |
| RENO, NV (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $15,505 | 4.71% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $4,069 | 5.18% |
| WENATCHEE, WA (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $6,225 | 4.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $6,678 | 5.02% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $6,826 | 4.19% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 6 | $1,080,000 | $180,000 | $7,051 | 4.81% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $10,610 | 4.28% |
| Kalispell, MT (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $5,323 | 4.44% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $5,001 | 4.38% |
| EL PASO, TX (FHA|USDA|VA) | 7 | $1,045,000 | $149,286 | $6,360 | 4.20% |
| The Dalles, OR (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $5,260 | 4.78% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $4,979 | 4.53% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $4,091 | 4.08% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 7 | $995,000 | $142,143 | $6,388 | 5.71% |
| Mount Vernon, OH (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $5,250 | 4.15% |
| Red Bluff, CA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $5,261 | 3.94% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $0 | 7.88% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $4,133 | 3.73% |
| LYNCHBURG, VA (FHA|USDA|VA) | 7 | $915,000 | $130,714 | $4,485 | 4.07% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $3,693 | 3.90% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $7,199 | 3.94% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $10,279 | 4.21% |
| ANCHORAGE, AK (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $10,328 | 4.50% |
| Sevierville, TN (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $8,039 | 3.72% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $5,862 | 4.38% |
| Fernley, NV (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $5,617 | 4.75% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $7,401 | 3.79% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $7,317 | 4.31% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $5,907 | 3.88% |
| La Grande, OR (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $6,141 | 4.41% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $7,697 | 4.42% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $6,531 | 4.38% |
| Centralia, WA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $5,116 | 4.04% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $26,830 | 4.13% |
| NAPA, CA (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $3,286 | 4.21% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 6 | $710,000 | $118,333 | $7,694 | 4.56% |
| MADERA, CA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,730 | 4.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $5,907 | 4.71% |
| YUBA CITY, CA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $6,196 | 5.92% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $6,598 | 4.03% |
| ROANOKE, VA (FHA|USDA|VA) | 5 | $675,000 | $135,000 | $6,638 | 4.50% |
| Ardmore, OK (FHA|USDA|VA) | 8 | $660,000 | $82,500 | $5,070 | 4.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $7,714 | 3.38% |
| Thomasville, GA (FHA|USDA|VA) | 6 | $650,000 | $108,333 | $5,868 | 4.54% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,828 | 4.19% |
| Durango, CO (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $5,421 | 4.17% |
| ANN ARBOR, MI (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $6,149 | 4.08% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $6,994 | 4.50% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $9,384 | 4.00% |
| AMARILLO, TX (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $5,840 | 5.87% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $15,548 | 6.88% |
| EL CENTRO, CA (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $7,629 | 4.71% |
| Brookings, OR (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,304 | 3.75% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $6,460 | 4.25% |
| READING, PA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $9,718 | 3.83% |
| TYLER, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,676 | 4.31% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $8,137 | 4.00% |
| HAMMOND, LA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,893 | 4.50% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $6,598 | 3.81% |
| Morehead City, NC (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,352 | 5.92% |
| LAREDO, TX (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $10,081 | 3.87% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 6 | $510,000 | $85,000 | $5,180 | 5.04% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $7,379 | 4.56% |
| Celina, OH (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $2,045 | 3.50% |
| Sonora, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $8,365 | 4.06% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,948 | 4.13% |
| DOTHAN, AL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,397 | 3.88% |
| Concord, NH (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $8,455 | 3.38% |
| Palatka, FL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $4,736 | 4.88% |
| DOVER, DE (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,243 | 4.50% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $3,889 | 4.00% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $18,288 | 3.50% |
| Wilmington, OH (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $6,888 | 4.71% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $6,546 | 4.83% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,951 | 4.44% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,291 | 4.19% |
| Opelousas, LA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $7,068 | 5.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,234 | 4.81% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $4,396 | 4.79% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,324 | 6.31% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $1,656 | 4.67% |
| JOPLIN, MO (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,933 | 4.06% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,132 | 4.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $14,186 | 7.50% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,450 | 3.81% |
| Natchitoches, LA (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $4,430 | 4.08% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,358 | 3.38% |
| Torrington, CT (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,846 | 4.94% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,114 | 4.00% |
| Salem, OH (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $7,042 | 5.19% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,286 | 4.38% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,027 | 6.69% |
| JACKSON, MI (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $4,768 | 4.92% |
| Sunbury, PA (FHA|USDA|VA) | 5 | $345,000 | $69,000 | $5,649 | 4.28% |
| Brevard, NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,717 | 4.69% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $1,926 | 3.63% |
| LIMA, OH (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,749 | 3.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $9,105 | 3.88% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,757 | 6.13% |
| Coos Bay, OR (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $7,228 | 4.50% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,903 | 4.75% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,627 | 4.12% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,643 | 5.00% |
| Holland, MI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $5,409 | 3.94% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,976 | 3.50% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,310 | 5.38% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,429 | 4.00% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $4,150 | 4.79% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $3,771 | 4.71% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $7,983 | 6.44% |
| MONROE, LA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,294 | 3.94% |
| Greenwood, SC (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $4,461 | 5.17% |
| MANSFIELD, OH (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $5,255 | 5.13% |
| Wapakoneta, OH (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,298 | 4.25% |
| Pullman, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,565 | 4.00% |
| AKRON, OH (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $5,674 | 4.83% |
| Shelton, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,071 | 3.75% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,335 | 4.00% |
| Kendallville, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,628 | 3.88% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,644 | 5.25% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,201 | 4.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,411 | 4.38% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $6,724 | 4.63% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,736 | 4.69% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,723 | 4.88% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,857 | 3.38% |
| Ozark, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,293 | 4.75% |
| Danville, VA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,853 | 5.19% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,677 | 4.13% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,804 | 3.13% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,145 | 5.25% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,714 | 3.50% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,027 | 4.25% |
| Key West, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,663 | 5.25% |
| Bonham, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,191 | 5.13% |
| Kirksville, MO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,708 | 3.38% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.75% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,270 | 4.50% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,558 | 4.63% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,511 | 4.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,813 | 4.88% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,604 | 4.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,588 | 4.50% |
| Urbana, OH (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $4,079 | 4.75% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,232 | 3.25% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,529 | 3.38% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,313 | 5.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,299 | 4.50% |
| Fremont, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,854 | 4.63% |
| Selinsgrove, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,956 | 4.13% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,984 | 3.75% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,701 | 4.50% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,192 | 3.75% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,374 | 4.00% |
| Morgan City, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,554 | 5.00% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,022 | 4.25% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,458 | 3.75% |
| Wilson, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,728 | 4.50% |
| Athens, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,770 | 4.25% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,795 | 4.00% |
| Washington Court House, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,129 | 4.25% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,440 | 4.88% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,929 | 5.50% |
| Atmore, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,115 | 5.13% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,117 | 4.25% |
| Albertville, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,386 | 4.38% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,672 | 3.75% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,640 | 4.25% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,628 | 4.75% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,073 | 4.25% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,750 | 4.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,228 | 4.75% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,222 | 5.00% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,393 | 5.13% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,646 | 5.50% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,934 | 5.00% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,721 | 4.25% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,570 | 3.75% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,506 | 4.88% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,532 | 4.25% |
| Wooster, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,131 | 5.25% |
| Cullman, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,269 | 4.75% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,999 | 4.00% |
| Mount Pleasant, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,594 | 4.25% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,491 | 5.25% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,478 | 5.75% |
| Coshocton, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,592 | 4.88% |
| Defiance, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,210 | 5.38% |
| Bennettsville, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,460 | 5.00% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,242 | 5.00% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,825 | 4.75% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,535 | 5.88% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,827 | 5.00% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,676 | 4.25% |
| Jasper, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,226 | 4.25% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,304 | 4.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,971 | 5.75% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,816 | 5.13% |
| Crossville, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,283 | 4.25% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,655 | 4.75% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,333 | 4.75% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,500 | 4.88% |
| Somerset, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,026 | 4.25% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,051 | 4.75% |
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Product Mix
For 2019, Nations Direct Mortgage's most frequently originated type of loan was Conventional, with 3,265 originations. Their 2nd most popular type was FHA, with 1,647 originations.
Loan Reason
For 2019, Nations Direct Mortgage's most frequently cited loan purpose was Home Purchase, with 3,451 originations. The 2nd most popular reason was Refi, with 1,459 originations.
Loan Duration/Length
For 2019, Nations Direct Mortgage's most frequently cited loan duration was 30 Year, with 5,892 originations. The 2nd most popular length was 15 Year, with 214 originations.
Origination Fees/Closing Costs
Nations Direct Mortgage's average total fees were $6,988, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,183 originations.
Interest Rates
During 2019, Nations Direct Mortgage's average interest rate for loans was 4.35%, while their most frequently originated rate bucket for loans was 3-4%, with 2,869 originations.
Loan Sizing
2019 saw Nations Direct Mortgage place emphasis on $200k-400k loans with 2,825 originations, totaling $825,625,000 in origination value.
Applicant Income
Nations Direct Mortgage lent most frequently to those with incomes in the $50k-75k range, with 1,444 originations. The second most popular income band? $50k or less, with 1,398 originations.
Applicant Debt to Income Ratio
Nations Direct Mortgage lent most frequently to those with DTI ratios of 30-36%, with 870 originations. The next most common DTI ratio? 20-30%, with 727 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.09%
Nations Direct Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination66.94%
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 | 6,240 | $2,026,090,000 | $324,694 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 169 | $33,825,000 | $200,148 |
| Single Family (1-4 Units):Site-Built | 6,071 | $1,992,265,000 | $328,161 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Nations Direct Mortgage, LLC | Conventional home mortgage | Struggling to pay mortgage | 1 | 10.0% |
| Nations Direct Mortgage, LLC | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 30.0% |
| Nations Direct Mortgage, LLC | FHA mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 10.0% |
| Nations Direct Mortgage, LLC | FHA mortgage | Struggling to pay mortgage | 4 | 40.0% |
| Nations Direct Mortgage, LLC | VA mortgage | Trouble during payment process | 1 | 10.0% |