# MORTGAGE FINANCIAL SERVICES, LLC

> **Canonical URL:** https://saferate.com/lenders/mortgage-financial-services


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


MORTGAGE FINANCIAL SERVICES, LLC is a independent mortgage company, headquartered in BATON ROUGE, LA, serving borrowers across 9 states, with 2,049 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 70% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493009F6BJDCZMZ7Y26
- **Headquarters:** BATON ROUGE, LA
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AL, AR, FL, KS, LA, MS, OK, TN, TX
- **Markets (MSAs):** 23
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.467%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,484
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,049
- **Dollar Volume:** $574 million
- **Applications Received:** 3,192
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $280,310
- **Average Borrower Income:** $115,821
- **Average Property Value:** $327,430

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (62%)
- ⭐ **USDA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 79/100 | 830 | +0.424% | $2,641 | Strong 😀 |
| FHA | 85/100 | 908 | +0.672% | $2,351 | Exceptional 🤩 |
| VA | 81/100 | 243 | -0.127% | $2,530 | Exceptional 🤩 |
| USDA | 82/100 | 65 | +0.573% | $1,557 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 690 loans, Score: 79/100 (Strong)
- Refinance: 140 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 892 loans, Score: 85/100 (Exceptional)

**VA:**
- Purchase: 238 loans, Score: 81/100 (Exceptional)

**USDA:**
- Purchase: 65 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 83/100 | 1,888 | $526M | +0.471% | Exceptional 🤩 |
| Refinance | 74/100 | 161 | $49M | +0.435% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 1,649 | 0.47% | 86/100 |
| AR | 254 | 0.79% | 75/100 |
| LA | 88 | 0.25% | 62/100 |
| TN | 43 | 0.05% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 340 | 67/100 |
| Fort Worth | TX | 226 | 79/100 |
| San Angelo, TX | TX | 218 | 100/100 |
| Dallas | TX | 191 | 71/100 |
| Houston | TX | 157 | 67/100 |
| San Antonio | TX | 144 | 68/100 |
| Texarkana, TX | TX-AR | 122 | 100/100 |
| Tyler, TX | TX | 91 | 86/100 |
| Little Rock | AR | 78 | 71/100 |
| Abilene, TX | TX | 69 | 70/100 |
| Laredo, TX | TX | 52 | 77/100 |
| Longview, TX | TX | 47 | 70/100 |
| Memphis, TN |  | 47 | 58/100 |
| El Paso, TX | TX | 39 | 58/100 |
| Austin | TX | 27 | 50/100 |

## Where This Lender Ranks

MORTGAGE FINANCIAL SERVICES, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in San Angelo, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Texarkana, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Texarkana, TX for USDA Loans
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Texarkana, TX for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in San Angelo, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in San Angelo, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Texarkana, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Tyler, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in San Angelo, TX
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders)
- 🥉 **#3** in San Angelo, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in San Angelo, TX for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Texarkana, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Texarkana, TX for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Tyler, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Texarkana, TX
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders)
- 🏆 **#4** in Texarkana, TX for VA Loans
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Tyler, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Abilene, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Laredo, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/laredo-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Longview, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/longview-tx/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does MORTGAGE FINANCIAL SERVICES, LLC offer?

MORTGAGE FINANCIAL SERVICES, LLC offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MORTGAGE FINANCIAL SERVICES, LLC offer mortgages?

MORTGAGE FINANCIAL SERVICES, LLC offers mortgages in 9 states: AL, AR, FL, KS, LA, MS, OK, TN, TX.

### How competitive are MORTGAGE FINANCIAL SERVICES, LLC's mortgage rates?

MORTGAGE FINANCIAL SERVICES, LLC has a pricing score of 30/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.467% above market average.

### What type of lender is MORTGAGE FINANCIAL SERVICES, LLC?

MORTGAGE FINANCIAL SERVICES, LLC is a non-depository lender that specializes in mortgage origination, headquartered in BATON ROUGE, LA.

### What is MORTGAGE FINANCIAL SERVICES, LLC's loan approval success rate?

MORTGAGE FINANCIAL SERVICES, LLC has a pull-through score of 74/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/mortgage-financial-services

### How to Cite

> "MORTGAGE FINANCIAL SERVICES, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mortgage-financial-services

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