Nations Reliable Lending, LLC mortgage approval rate & lending review
Nations Reliable Lending, LLC decided 6,530 mortgage applications and funded 5,843 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Nations Reliable Lending, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to uhm.com.
Nations Reliable Lending, LLC at a glance
Approval is 8.6 points above the 86.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 5,383 / 5,646 | 95% | $265K | 5,111 |
| Cash-out refinance | 85% | 186 / 218 | 85% | $205K | 158 |
| Refinance | 93% | 178 / 191 | 88% | $255K | 157 |
| Investment property purchase | 96% | 310 / 323 | 93% | $185K | 288 |
| Investment cash-out refinance | 93% | 84 / 90 | 85% | $165K | 71 |
| Investment refinance | 97% | 60 / 62 | 97% | $185K | 58 |
Nations Reliable Lending, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 95% | $265K | 4,370 | 3,917 |
| Ohio | 98% | $225K | 428 | 392 |
| Utah | 96% | $465K | 267 | 244 |
| Massachusetts | 90% | $505K | 247 | 209 |
| Florida | 91% | $345K | 194 | 165 |
| Illinois | 95% | $265K | 188 | 165 |
| Wisconsin | 97% | $235K | 135 | 126 |
| Georgia | 92% | $385K | 113 | 95 |
| Colorado | 94% | $415K | 97 | 90 |
| Kentucky | 100% | $215K | 70 | 66 |
| Indiana | 90% | $185K | 63 | 53 |
| Louisiana | 98% | $255K | 59 | 54 |
| New Hampshire | 93% | $295K | 46 | 42 |
| Michigan | 86% | $215K | 44 | 35 |
| Arizona | 90% | $475K | 30 | 26 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Nations Reliable Lending, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Mortgage lenders | 94% | 1,400 | 1,245 |
| Galveston County, TX | Mortgage lenders | 96% | 341 | 319 |
| Fort Bend County, TX | Mortgage lenders | 96% | 245 | 221 |
| Brazoria County, TX | Mortgage lenders | 96% | 219 | 207 |
| Cameron County, TX | Mortgage lenders | 97% | 199 | 176 |
| Hamilton County, OH | Mortgage lenders | 98% | 169 | 157 |
| Ector County, TX | Mortgage lenders | 99% | 133 | 126 |
| Hidalgo County, TX | Mortgage lenders | 96% | 140 | 124 |
| Randall County, TX | Mortgage lenders | 97% | 129 | 122 |
| Utah County, UT | Mortgage lenders | 99% | 81 | 79 |
| Midland County, TX | Mortgage lenders | 99% | 69 | 63 |
| Potter County, TX | Mortgage lenders | 100% | 63 | 60 |
The county markets where Nations Reliable Lending, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Nations Reliable Lending, LLC
What is Nations Reliable Lending, LLC's mortgage approval rate?
Nations Reliable Lending, LLC approved 95.0% of the 6,530 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.6 points above the 86.3% national rate for the same mix of loan types.
How often do borrowers take the loan Nations Reliable Lending, LLC offers?
Borrowers accepted 94% of the loans Nations Reliable Lending, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Nations Reliable Lending, LLC make?
The typical home purchase mortgage loan Nations Reliable Lending, LLC made was $265K; across all loan types its typical loan ran from $165K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Nations Reliable Lending, LLC lend?
Nations Reliable Lending, LLC decided applications in 36 of the states Fat Boy Data covers, most of them in Texas, Ohio and Utah.
Can I apply to Nations Reliable Lending, LLC directly?
Yes. Nations Reliable Lending, LLC reports as a direct lender that takes applications from borrowers. Its website is uhm.com.
Does this page show Nations Reliable Lending, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Nations Reliable Lending, LLC treats applications, then get a rate quote from the lender.