# SOUTHERN LENDING SERVICES, LTD.

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


SOUTHERN LENDING SERVICES, LTD. is a independent mortgage company, headquartered in HOUSTON, TX, serving borrowers across 2 states, with 257 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 10% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300W8XIPJGDECVX07
- **Headquarters:** HOUSTON, TX
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** CO, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.4%
- **Brokered/Wholesale:** 0.6%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 90/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.503%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,439
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 257
- **Dollar Volume:** $125 million
- **Applications Received:** 322
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $485,311
- **Average Borrower Income:** $201,996
- **Average Property Value:** $671,109

## Safe Rate Awards 🏆

- 💎 **VA Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Purchase Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 202 | -0.294% | $1,577 | Sound ☺️ |
| VA | 66/100 | 54 | -1.169% | $1,001 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 201 loans, Score: 47/100 (Sound)

**VA:**
- Purchase: 54 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 256 | $124M | -0.508% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 211 | 0.06% | 71/100 |
| CO | 46 | 0.06% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Austin | TX | 135 | 79/100 |
| San Antonio | TX | 76 | 67/100 |
| Denver | CO | 32 | 56/100 |

## Where This Lender Ranks

SOUTHERN LENDING SERVICES, LTD. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in San Antonio Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in San Antonio
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders)
- 🏆 **#5** in Austin Mortgage Companies
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/mortgage-companies)
- 🏆 **#6** in Austin
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders)
- 🏆 **#7** in San Antonio for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#8** in San Antonio for VA Loans
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/va-loans)
- 🏆 **#9** in Austin for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#10** in Austin for VA Loans
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/va-loans)
- 🏆 **#13** in San Antonio for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does SOUTHERN LENDING SERVICES, LTD. offer?

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

### Where does SOUTHERN LENDING SERVICES, LTD. offer mortgages?

SOUTHERN LENDING SERVICES, LTD. offers mortgages in 2 states: CO, TX.

### How competitive are SOUTHERN LENDING SERVICES, LTD.'s mortgage rates?

SOUTHERN LENDING SERVICES, LTD. has a pricing score of 90/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.503% below market average.

### What type of lender is SOUTHERN LENDING SERVICES, LTD.?

SOUTHERN LENDING SERVICES, LTD. is a non-depository lender that specializes in mortgage origination, headquartered in HOUSTON, TX.

### What is SOUTHERN LENDING SERVICES, LTD.'s loan approval success rate?

SOUTHERN LENDING SERVICES, LTD. has a pull-through score of 62/100 (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/southern-lending-services

### How to Cite

> "SOUTHERN LENDING SERVICES, LTD. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/southern-lending-services

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