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 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, Phoenix, and Atlanta among others. We have data for 300 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 a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have 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.
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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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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,976Origination Dollar Volume (All Markets)
$1,988,430,000NATIONS DIRECT MORTGAGE - 2022
NATIONS DIRECT MORTGAGE is a 2022 , due to their low .
For 2022, 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) | 579 | $325,475,000 | $562,133 | $14,454 | 4.74% |
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 681 | $299,615,000 | $439,963 | $9,230 | 4.66% |
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 457 | $188,715,000 | $412,943 | $12,068 | 4.64% |
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 142 | $62,350,000 | $439,085 | $11,168 | 5.17% |
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 178 | $61,090,000 | $343,202 | $11,686 | 5.18% |
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 86 | $52,090,000 | $605,698 | $17,174 | 4.75% |
SALEM, OR (FHA|USDA|VA) | 140 | $49,670,000 | $354,786 | $9,264 | 4.59% |
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 108 | $48,940,000 | $453,148 | $11,524 | 4.49% |
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 104 | $44,310,000 | $426,058 | $15,450 | 5.57% |
BEND, OR (FHA|USDA|VA) | 81 | $36,505,000 | $450,679 | $9,008 | 4.59% |
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 50 | $34,860,000 | $697,200 | $19,303 | 5.17% |
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 77 | $33,565,000 | $435,909 | $14,230 | 5.26% |
Outside of Metro Areas | 98 | $29,750,000 | $303,571 | $8,597 | 4.81% |
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 46 | $22,860,000 | $496,957 | $12,042 | 4.94% |
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 61 | $22,425,000 | $367,623 | $12,445 | 5.27% |
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 37 | $21,685,000 | $586,081 | $14,353 | 5.11% |
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 65 | $21,305,000 | $327,769 | $11,296 | 5.22% |
STOCKTON, CA (FHA|USDA|VA) | 53 | $20,885,000 | $394,057 | $12,274 | 5.04% |
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 65 | $20,725,000 | $318,846 | $10,392 | 5.30% |
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 65 | $19,675,000 | $302,692 | $11,450 | 5.08% |
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 38 | $19,420,000 | $511,053 | $14,037 | 5.17% |
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 68 | $18,300,000 | $269,118 | $9,902 | 5.30% |
BAKERSFIELD, CA (FHA|USDA|VA) | 64 | $17,550,000 | $274,219 | $10,220 | 4.70% |
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 42 | $15,610,000 | $371,667 | $12,701 | 5.19% |
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 42 | $15,290,000 | $364,048 | $8,977 | 4.91% |
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 48 | $14,100,000 | $293,750 | $10,622 | 5.04% |
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 52 | $13,610,000 | $261,731 | $11,054 | 4.69% |
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 19 | $13,325,000 | $701,316 | $15,578 | 4.74% |
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 31 | $10,575,000 | $341,129 | $12,019 | 5.45% |
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 30 | $10,440,000 | $348,000 | $12,131 | 5.98% |
JACKSONVILLE, FL (FHA|USDA|VA) | 30 | $10,340,000 | $344,667 | $11,305 | 5.00% |
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 38 | $10,150,000 | $267,105 | $8,821 | 5.27% |
MODESTO, CA (FHA|USDA|VA) | 24 | $9,880,000 | $411,667 | $12,550 | 5.05% |
GRANTS PASS, OR (FHA|USDA|VA) | 28 | $9,780,000 | $349,286 | $10,864 | 5.11% |
COLUMBUS, OH (FHA|USDA|VA) | 36 | $9,590,000 | $266,389 | $8,919 | 5.52% |
ALBANY-LEBANON, OR (FHA|USDA|VA) | 29 | $9,505,000 | $327,759 | $8,838 | 4.87% |
FRESNO, CA (FHA|USDA|VA) | 25 | $9,245,000 | $369,800 | $11,838 | 4.72% |
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 15 | $9,105,000 | $607,000 | $17,252 | 6.27% |
COLORADO SPRINGS, CO (FHA|USDA|VA) | 20 | $8,950,000 | $447,500 | $11,519 | 5.30% |
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 21 | $8,785,000 | $418,333 | $14,633 | 5.01% |
LAREDO, TX (FHA|USDA|VA) | 43 | $8,605,000 | $200,116 | $9,198 | 4.19% |
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 20 | $8,100,000 | $405,000 | $14,500 | 5.28% |
VALLEJO, CA (FHA|USDA|VA) | 16 | $7,270,000 | $454,375 | $15,013 | 4.94% |
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 12 | $7,120,000 | $593,333 | $15,955 | 6.24% |
LONGVIEW, WA (FHA|USDA|VA) | 16 | $5,950,000 | $371,875 | $13,186 | 4.91% |
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 17 | $5,455,000 | $320,882 | $11,998 | 4.88% |
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 18 | $5,380,000 | $298,889 | $9,876 | 5.23% |
CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 21 | $5,155,000 | $245,476 | $10,055 | 5.12% |
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 12 | $5,110,000 | $425,833 | $15,012 | 4.35% |
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 26 | $5,050,000 | $194,231 | $8,535 | 5.04% |
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 21 | $4,975,000 | $236,905 | $9,842 | 4.30% |
Newport, OR (FHA|USDA|VA) | 12 | $4,940,000 | $411,667 | $9,132 | 4.77% |
MEDFORD, OR (FHA|USDA|VA) | 11 | $4,755,000 | $432,273 | $13,220 | 4.63% |
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 16 | $4,530,000 | $283,125 | $10,059 | 4.92% |
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 11 | $4,285,000 | $389,545 | $6,726 | 5.60% |
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 14 | $4,140,000 | $295,714 | $12,043 | 5.61% |
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 10 | $3,950,000 | $395,000 | $7,058 | 4.85% |
MERCED, CA (FHA|USDA|VA) | 10 | $3,800,000 | $380,000 | $13,471 | 4.86% |
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 11 | $3,745,000 | $340,455 | $11,464 | 5.17% |
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 15 | $3,735,000 | $249,000 | $11,035 | 4.69% |
KNOXVILLE, TN (FHA|USDA|VA) | 16 | $3,660,000 | $228,750 | $8,688 | 4.35% |
TUCSON, AZ (FHA|USDA|VA) | 12 | $3,590,000 | $299,167 | $8,429 | 5.05% |
VISALIA, CA (FHA|USDA|VA) | 11 | $3,545,000 | $322,273 | $16,017 | 4.25% |
PANAMA CITY, FL (FHA|USDA|VA) | 8 | $3,400,000 | $425,000 | $9,318 | 5.59% |
RICHMOND, VA (FHA|USDA|VA) | 10 | $3,310,000 | $331,000 | $10,203 | 5.13% |
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 10 | $3,220,000 | $322,000 | $10,524 | 5.14% |
Roseburg, OR (FHA|USDA|VA) | 8 | $2,990,000 | $373,750 | $10,861 | 5.33% |
PROVO-OREM, UT (FHA|USDA|VA) | 6 | $2,980,000 | $496,667 | $12,220 | 5.58% |
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 4 | $2,980,000 | $745,000 | $19,815 | 3.84% |
REDDING, CA (FHA|USDA|VA) | 8 | $2,940,000 | $367,500 | $9,714 | 4.28% |
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $2,755,000 | $551,000 | $15,709 | 5.72% |
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 11 | $2,755,000 | $250,455 | $8,794 | 5.68% |
Truckee-Grass Valley, CA (FHA|USDA|VA) | 5 | $2,745,000 | $549,000 | $16,197 | 6.95% |
Brookings, OR (FHA|USDA|VA) | 6 | $2,740,000 | $456,667 | $7,019 | 4.50% |
LOUISVILLE, KY (FHA|USDA|VA) | 12 | $2,640,000 | $220,000 | $7,479 | 5.00% |
SALINAS, CA (FHA|USDA|VA) | 5 | $2,635,000 | $527,000 | $14,200 | 4.52% |
Kill Devil Hills, NC (FHA|USDA|VA) | 4 | $2,620,000 | $655,000 | $0 | 5.75% |
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 7 | $2,575,000 | $367,857 | $14,797 | 5.83% |
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 8 | $2,480,000 | $310,000 | $10,248 | 4.89% |
Astoria, OR (FHA|USDA|VA) | 5 | $2,355,000 | $471,000 | $7,786 | 5.07% |
Prineville, OR (FHA|USDA|VA) | 6 | $2,350,000 | $391,667 | $5,694 | 4.33% |
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $2,310,000 | $577,500 | $12,349 | 4.50% |
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 4 | $2,290,000 | $572,500 | $16,935 | 4.90% |
Sevierville, TN (FHA|USDA|VA) | 4 | $2,290,000 | $572,500 | $0 | 7.97% |
RALEIGH-CARY, NC (FHA|USDA|VA) | 7 | $2,255,000 | $322,143 | $11,017 | 4.95% |
FLINT, MI (FHA|USDA|VA) | 9 | $2,175,000 | $241,667 | $8,752 | 4.73% |
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 9 | $2,095,000 | $232,778 | $9,053 | 4.97% |
PORT ST. LUCIE, FL (FHA|USDA|VA) | 7 | $2,095,000 | $299,286 | $16,214 | 6.09% |
COLUMBUS, GA-AL (FHA|USDA|VA) | 11 | $2,025,000 | $184,091 | $7,497 | 4.31% |
COLUMBIA, SC (FHA|USDA|VA) | 10 | $1,970,000 | $197,000 | $6,211 | 4.09% |
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 7 | $1,945,000 | $277,857 | $10,670 | 6.85% |
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $1,915,000 | $383,000 | $8,835 | 4.64% |
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 6 | $1,900,000 | $316,667 | $7,329 | 6.10% |
HANFORD-CORCORAN, CA (FHA|USDA|VA) | 7 | $1,885,000 | $269,286 | $10,584 | 3.46% |
SPARTANBURG, SC (FHA|USDA|VA) | 9 | $1,875,000 | $208,333 | $7,267 | 4.94% |
RENO, NV (FHA|USDA|VA) | 5 | $1,825,000 | $365,000 | $9,796 | 4.97% |
YUBA CITY, CA (FHA|USDA|VA) | 5 | $1,815,000 | $363,000 | $9,355 | 5.05% |
MORRISTOWN, TN (FHA|USDA|VA) | 9 | $1,755,000 | $195,000 | $9,832 | 4.28% |
SALT LAKE CITY, UT (FHA|USDA|VA) | 5 | $1,735,000 | $347,000 | $15,520 | 4.10% |
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 6 | $1,730,000 | $288,333 | $11,820 | 5.31% |
Red Bluff, CA (FHA|USDA|VA) | 3 | $1,685,000 | $561,667 | $11,123 | 4.41% |
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $1,670,000 | $417,500 | $9,280 | 4.19% |
CORVALLIS, OR (FHA|USDA|VA) | 5 | $1,665,000 | $333,000 | $5,360 | 5.70% |
Klamath Falls, OR (FHA|USDA|VA) | 7 | $1,635,000 | $233,571 | $7,044 | 4.76% |
MIDLAND, TX (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $12,324 | 4.54% |
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $1,585,000 | $317,000 | $11,495 | 5.30% |
ODESSA, TX (FHA|USDA|VA) | 7 | $1,585,000 | $226,429 | $10,523 | 4.59% |
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 7 | $1,575,000 | $225,000 | $6,012 | 6.69% |
ST. GEORGE, UT (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $5,268 | 5.92% |
DAYTON-KETTERING, OH (FHA|USDA|VA) | 6 | $1,550,000 | $258,333 | $10,012 | 5.21% |
OCALA, FL (FHA|USDA|VA) | 8 | $1,530,000 | $191,250 | $8,570 | 4.69% |
ABILENE, TX (FHA|USDA|VA) | 7 | $1,485,000 | $212,143 | $10,378 | 4.55% |
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $1,475,000 | $491,667 | $9,276 | 3.91% |
Gardnerville Ranchos, NV (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $27,083 | 6.88% |
BATON ROUGE, LA (FHA|USDA|VA) | 6 | $1,450,000 | $241,667 | $11,771 | 4.60% |
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $1,390,000 | $695,000 | $14,398 | 6.44% |
PUNTA GORDA, FL (FHA|USDA|VA) | 7 | $1,375,000 | $196,429 | $8,003 | 5.09% |
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $11,691 | 6.58% |
PEORIA, IL (FHA|USDA|VA) | 10 | $1,280,000 | $128,000 | $6,228 | 3.36% |
PUEBLO, CO (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $11,850 | 4.50% |
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $11,494 | 5.02% |
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $13,564 | 5.97% |
MADERA, CA (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $10,781 | 4.66% |
OKLAHOMA CITY, OK (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $11,867 | 3.85% |
WACO, TX (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $8,867 | 5.31% |
DECATUR, AL (FHA|USDA|VA) | 6 | $1,220,000 | $203,333 | $8,141 | 4.98% |
Coos Bay, OR (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $9,130 | 4.37% |
MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $7,060 | 5.37% |
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $8,120 | 4.75% |
ROANOKE, VA (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $13,450 | 6.31% |
NAPA, CA (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $0 | 6.69% |
ALBANY, GA (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $9,139 | 5.08% |
TYLER, TX (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $8,351 | 4.19% |
The Dalles, OR (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $7,009 | 4.13% |
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $12,870 | 5.48% |
GREELEY, CO (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $9,820 | 4.49% |
Hermiston-Pendleton, OR (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $13,882 | 4.70% |
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $10,134 | 5.48% |
TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $14,877 | 6.40% |
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $8,803 | 5.42% |
Georgetown, SC (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $5,692 | 5.33% |
CHICO, CA (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $8,577 | 4.41% |
Show Low, AZ (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $7,958 | 3.92% |
FORT COLLINS, CO (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $10,261 | 5.13% |
TALLAHASSEE, FL (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $11,607 | 5.19% |
IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $8,575 | 4.37% |
Hood River, OR (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $7,633 | 4.79% |
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $8,738 | 6.03% |
KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $12,440 | 6.91% |
SAVANNAH, GA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $8,490 | 5.29% |
Kalispell, MT (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $16,743 | 6.06% |
BOISE CITY, ID (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $16,265 | 6.88% |
EL PASO, TX (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $9,577 | 6.44% |
BELLINGHAM, WA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $4,435 | 5.75% |
SUMTER, SC (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $6,683 | 5.27% |
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $21,469 | 6.68% |
FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $12,658 | 5.63% |
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $9,375 | 5.08% |
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $7,764 | 4.79% |
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $12,416 | 5.42% |
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $13,440 | 6.25% |
CARSON CITY, NV (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $22,718 | 6.56% |
Ontario, OR-ID (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $7,881 | 4.43% |
YAKIMA, WA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $7,119 | 3.88% |
EL CENTRO, CA (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $8,823 | 6.00% |
Ardmore, OK (FHA|USDA|VA) | 6 | $730,000 | $121,667 | $8,085 | 5.46% |
Steamboat Springs, CO (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $9,558 | 6.25% |
Eufaula, AL-GA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $7,857 | 3.44% |
Greenwood, SC (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $12,236 | 5.00% |
Oak Harbor, WA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $13,497 | 6.63% |
ASHEVILLE, NC (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $18,069 | 4.56% |
SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $8,732 | 5.13% |
Clewiston, FL (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $6,143 | 3.92% |
Aberdeen, WA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $13,562 | 5.50% |
Cambridge, MD (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $0 | 6.88% |
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $7,328 | 4.92% |
YORK-HANOVER, PA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $8,746 | 4.13% |
Pahrump, NV (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $9,355 | 3.62% |
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $9,636 | 5.92% |
WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $11,642 | 5.63% |
Port Angeles, WA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $8,998 | 3.06% |
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $7,572 | 4.81% |
FLORENCE, SC (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $11,574 | 4.96% |
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $6,521 | 4.16% |
PITTSBURGH, PA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $14,518 | 5.50% |
WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $9,080 | 4.25% |
Clearlake, CA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,292 | 4.88% |
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $8,134 | 4.93% |
CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $7,872 | 6.44% |
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $7,673 | 4.88% |
TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $11,869 | 8.99% |
Traverse City, MI (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $8,081 | 4.63% |
Centralia, WA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $6,583 | 4.69% |
GAINESVILLE, GA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $15,044 | 4.56% |
St. Marys, GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $9,373 | 4.81% |
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,321 | 4.62% |
JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $6,126 | 8.63% |
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $23,190 | 5.63% |
Greeneville, TN (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $8,091 | 5.56% |
AKRON, OH (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $7,997 | 4.83% |
SAN ANGELO, TX (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,578 | 6.25% |
Sonora, CA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,585 | 2.94% |
Glenwood Springs, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 5.50% |
Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 5.99% |
SEBRING-AVON PARK, FL (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $8,906 | 4.33% |
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $8,124 | 6.13% |
Fremont, OH (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $4,922 | 4.58% |
YUMA, AZ (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,920 | 5.69% |
Ottawa, IL (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,923 | 3.50% |
LONGVIEW, TX (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $5,957 | 3.87% |
Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $19,358 | 6.88% |
Galesburg, IL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,057 | 4.31% |
Martinsville, VA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $10,257 | 5.63% |
Newberry, SC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $10,855 | 5.25% |
Palatka, FL (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $8,560 | 5.21% |
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $9,750 | 4.13% |
LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,010 | 4.69% |
Minden, LA (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $6,572 | 5.46% |
CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,007 | 5.31% |
KANKAKEE, IL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $11,314 | 4.75% |
Crescent City, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $18,171 | 4.38% |
Jefferson, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $21,742 | 4.13% |
GAINESVILLE, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $8,588 | 4.25% |
Mount Airy, NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $8,924 | 5.56% |
Athens, TN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $17,238 | 4.88% |
Del Rio, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,103 | 4.99% |
MONROE, MI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $21,393 | 6.75% |
Helena, MT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,884 | 4.63% |
ANN ARBOR, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $13,518 | 4.99% |
Mountain Home, ID (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,679 | 5.13% |
LYNCHBURG, VA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,011 | 4.00% |
Cambridge, OH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,495 | 3.75% |
CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $17,106 | 4.63% |
BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $16,425 | 3.63% |
Adrian, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $14,458 | 5.13% |
WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 4.88% |
CaƱon City, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,583 | 2.75% |
CLEVELAND, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,773 | 5.63% |
Douglas, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $12,313 | 5.13% |
ROME, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,434 | 4.38% |
Salem, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,974 | 2.88% |
Elizabeth City, NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $6,009 | 4.88% |
Zanesville, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $9,211 | 4.19% |
LANCASTER, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $13,817 | 6.25% |
Okeechobee, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $19,811 | 5.63% |
RACINE, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,199 | 3.88% |
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,155 | 2.75% |
BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,676 | 4.25% |
FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,532 | 5.13% |
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,131 | 7.50% |
EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,103 | 4.88% |
OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 7.38% |
Shawnee, OK (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $8,276 | 4.81% |
Eagle Pass, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,358 | 5.13% |
Pullman, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,869 | 5.00% |
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,904 | 5.13% |
HAMMOND, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $13,078 | 3.13% |
MOBILE, AL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,487 | 4.31% |
Rockingham, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,421 | 7.00% |
Granbury, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,720 | 4.75% |
Torrington, CT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,123 | 6.75% |
Ukiah, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,172 | 5.88% |
Cullman, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,723 | 5.13% |
MONROE, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,134 | 4.13% |
DeRidder, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,930 | 3.25% |
Chillicothe, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $15,517 | 5.13% |
CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,638 | 6.25% |
Cookeville, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $12,666 | 4.63% |
Warsaw, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,796 | 4.50% |
Orangeburg, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,784 | 3.75% |
SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,882 | 4.50% |
DULUTH, MN-WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,372 | 3.63% |
BILLINGS, MT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,946 | 3.13% |
Richmond-Berea, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,476 | 5.63% |
Washington Court House, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,001 | 5.13% |
BRUNSWICK, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $10,018 | 5.13% |
CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,680 | 5.63% |
London, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,507 | 6.13% |
Americus, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,285 | 2.99% |
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,165 | 2.75% |
Paris, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.99% |
Fort Polk South, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,639 | 6.13% |
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,817 | 4.99% |
Fort Payne, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.25% |
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,353 | 2.99% |
BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,021 | 3.75% |
Payson, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,354 | 6.38% |
Dublin, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $11,153 | 7.25% |
ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,903 | 4.38% |
Levelland, TX (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $3,870 | 8.00% |
Big Rapids, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $10,082 | 5.63% |
Union, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,218 | 4.00% |
Seneca, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,726 | 3.63% |
Milledgeville, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,257 | 5.63% |
DALTON, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,247 | 4.25% |
Mount Vernon, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,771 | 3.75% |
Kendallville, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,294 | 4.50% |
Duncan, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,059 | 3.13% |
SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,898 | 5.50% |
TULSA, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,946 | 5.13% |
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Product Mix
For 2022, Nations Direct Mortgage's most frequently originated type of loan was Conventional, with 2,755 originations. Their 2nd most popular type was FHA, with 1,297 originations.
Loan Reason
For 2022, Nations Direct Mortgage's most frequently cited loan purpose was Home Purchase, with 2,980 originations. The 2nd most popular reason was Cash Out Refi, with 1,537 originations.
Loan Duration/Length
For 2022, Nations Direct Mortgage's most frequently cited loan duration was 30 Year, with 4,842 originations. The 2nd most popular length was 15 Year, with 56 originations.
Origination Fees/Closing Costs
Nations Direct Mortgage's average total fees were $11,395, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,990 originations.
Interest Rates
During 2022, Nations Direct Mortgage's average interest rate for loans was 4.93%, while their most frequently originated rate bucket for loans was 4-5%, with 1,246 originations.
Loan Sizing
2022 saw Nations Direct Mortgage place emphasis on $200k-400k loans with 2,176 originations, totaling $649,920,000 in origination value.
Applicant Income
Nations Direct Mortgage lent most frequently to those with incomes in the $100k-150k range, with 1,199 originations. The second most popular income band? $75k-100k, with 921 originations.
Applicant Debt to Income Ratio
Nations Direct Mortgage lent most frequently to those with DTI ratios of 30-36%, with 587 originations. The next most common DTI ratio? 50-60%, with 547 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.26%
Nations Direct Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination36.94%
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 |
---|---|---|---|
10030.65 | 1 | $285,000 | $285,000 |
16929.83 | 1 | $615,000 | $615,000 |
20526.02 | 1 | $215,000 | $215,000 |
22153.85 | 1 | $245,000 | $245,000 |
8423.1 | 1 | $245,000 | $245,000 |
NA | 4,971 | $1,986,825,000 | $399,683 |
Occupancy Type Mix
Dwelling Type | Originations | Total Value | Average Loan |
---|---|---|---|
4,976 | $1,988,430,000 | $399,604 |
LTV Distribution
Complaints
Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
NATIONSTAR MORTGAGE | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 5.3% |
NATIONSTAR MORTGAGE | Conventional home mortgage | Struggling to pay mortgage | 3 | 15.8% |
NATIONSTAR MORTGAGE | Conventional home mortgage | Trouble during payment process | 8 | 42.1% |
NATIONSTAR MORTGAGE | FHA mortgage | Struggling to pay mortgage | 2 | 10.5% |
NATIONSTAR MORTGAGE | Reverse mortgage | Trouble during payment process | 1 | 5.3% |
NATIONSTAR MORTGAGE | VA mortgage | Trouble during payment process | 4 | 21.1% |