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BRIGHTLAND MORTGAGE SERVICES, LTD.
Independent Mortgage Company|HOUSTON, TX|Regional
Loans Originated
985
Applications
1,213
Volume
$371 million
Offers loans directly to consumersHomebuilder Lender
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards💎VA Champion⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.185%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,174
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
81.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 18.50 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Report Card
BRIGHTLAND MORTGAGE SERVICES, LTD. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Places Geographic coverage | Exceptional | Regional · 3 metro areas · 2 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$377,051
Average Borrower Income
$154,457
Average Property Value
$445,995
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Strong | 525 | 53.3% | -0.031% | $1,308 |
FHA Loans | Strong | Strong | Exceptional | Strong | 368 | 37.4% | -0.287% | $626 |
VA Loans | Exceptional | Strong | Exceptional | Exceptional | 92 | 9.3% | -0.961% | $1,568 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Strong | 985 | 100.0% | -0.185% | $1,174 |
Geographic Coverage
Metro Areas
3
States Served
2
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
TNTX
Top Metro Areas by Place Specialization Score
1
Austin, TXMSA
Volume: 467Mix: 47.41%
Place Specialization
Exceptional
2
Houston, TXMSA
Volume: 459Mix: 46.60%
Place Specialization
Exceptional
3
College Station, TXMSA
Volume: 47Mix: 4.77%
Place Specialization
Strong
Top States by Place Specialization Score
1
TXState
Volume: 977Mix: 99.19%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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