# PREFERRED LENDING SERVICES, LLC

> **Canonical URL:** https://saferate.com/lenders/preferred-lending-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


PREFERRED LENDING SERVICES, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 2 states, with 131 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 72% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300C5YLTTVIWX4J11
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** FL, MD
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.344%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,814
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 131
- **Dollar Volume:** $42 million
- **Applications Received:** 178
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $324,237
- **Average Borrower Income:** $134,107
- **Average Property Value:** $405,305

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 104 | +0.364% | $2,603 | Acceptable 🙂 |
| FHA | 51/100 | 18 | +0.568% | $3,617 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 100 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 124 | $40M | +0.351% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 128 | 0.04% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tampa, FL | FL | 56 | 67/100 |
| St. Petersburg | FL | 38 | 68/100 |
| Lakeland | FL | 13 | 51/100 |

## Frequently Asked Questions

### What loan types does PREFERRED LENDING SERVICES, LLC offer?

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

### Where does PREFERRED LENDING SERVICES, LLC offer mortgages?

PREFERRED LENDING SERVICES, LLC offers mortgages in 2 states: FL, MD.

### How competitive are PREFERRED LENDING SERVICES, LLC's mortgage rates?

PREFERRED LENDING SERVICES, LLC has a pricing score of 28/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.344% above market average.

### What type of lender is PREFERRED LENDING SERVICES, LLC?

PREFERRED LENDING SERVICES, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is PREFERRED LENDING SERVICES, LLC's loan approval success rate?

PREFERRED LENDING SERVICES, LLC has a pull-through score of 49/100 (Sound). 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/preferred-lending-services

### How to Cite

> "PREFERRED LENDING SERVICES, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/preferred-lending-services

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