Nations Lending Corporation NMLS #32416
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Who is Nations Lending Corporation?
Nations Lending Corporation (NMLS #32416) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Nations Lending Corporation legit?
Here's what public licensing records show. Nations Lending Corporation holds mortgage licenses in 45 states, including Alaska, Arizona, Arkansas, California, Colorado (NMLS ID #32416, per NMLS records as of October 1, 2026). FreeRateUpdate does not rate, endorse or vouch for lenders. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerNations Lending Corporation
- NMLS #32416
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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Reported application outcomes and pricing, 2025
- Filed asNations Lending Corporation
- 2025 home loan decisionsOf 7,781 applications decided by Nations Lending Corporation in 2025, 6,568 were originated, 731 were approved but not accepted by the borrower, and 482 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 93.8%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 384 applications were withdrawn by the borrower, 12 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.329 percentage points above the average prime offer rate (reported on 6,256 originations, 312 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$6,174.88 — originated closed-end household loans, 2025, 6,368 of 6,423 loans. FFIEC HMDA data browser.
- Median origination charges$1,844.95 — originated closed-end household loans, 2025, 6,386 of 6,423 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types3,837 Conventional, 1,925 FHA, 735 VA, 71 USDA — of 6,568 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for Nations Lending Corporation — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
About Nations Lending Corporation
Overview
Nations Lending Corporation is a residential mortgage lender. Borrowers work with Personal Mortgage Advisors on needs, budget, qualifications and the application.
Mortgage options
In 2025 it made conventional, FHA, VA and USDA loans. Its loans that year were for home purchases, refinances and cash-out refinances.
Locations
Nations Lending Corporation has 219 branches across 37 states.
Company details and licensing
The legal entity is Nations Lending Corporation, an Ohio corporation formed on July 25, 2003. Its headquarters are at 4 Summit Park Drive, Suite 200, Independence, Ohio 44131, and its NMLS company ID is 32416. Supported trade names include Landmark Mortgage Planners, NLC Loans and Nations Lending.
It is licensed in Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, the District of Columbia, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia and Wyoming.
Verify NMLS #32416 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS Consumer Access, looked up rather than cited from a dated record. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Frequently Asked Questions
Is Nations Lending Corporation legit?
Here's what public licensing records show. Nations Lending Corporation holds mortgage licenses in 45 states, including Alaska, Arizona, Arkansas, California, Colorado (NMLS ID #32416, per NMLS records as of October 1, 2026). FreeRateUpdate does not rate, endorse or vouch for lenders. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Nations Lending Corporation's NMLS number?
Nations Lending Corporation's NMLS number is 32416. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Nations Lending Corporation's NMLS ID?
Yes. We checked Nations Lending Corporation's company name and NMLS ID against the NMLS record on December 30, 2025. They've been in our lender network since June 2013. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Nations Lending Corporation?
This page has Nations Lending Corporation's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.