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Southern Lending Services

Independent Mortgage Company•Houston, TXHQ•Direct•Reviews near you on Google

Southern Lending Services has 257 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · VA
Place
Strong
4/5
Regional · 3 mkts
Safe Rate Awards
VA Champion
VA
Champion
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 50.30 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

Explore another lender or local market

Report Card

Southern Lending Services performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 50.3 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume202
Mix78.6%
Spread
-0.294%Below
Fees
$1,577Fees
VA Loans
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume54
Mix21.0%
Spread
-1.169%Below
Fees
$1,001Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume256
Mix99.6%
Spread
-0.508%Below
Fees
$1,399Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
257
Applications
322
Volume
$124 million
Pricing & Closing
Avg Rate Spread
-0.503%
vs. market APOR
Avg Net Fees
$1,439
Origination − Credits
Pullthrough Rate
79.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$485,311
Avg Borrower Income
$201,996
Avg Property Value
$671,109

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South1
TX
West1
CO

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 135Mix 52.53% of portfolio
79/100
Strong
2© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 76Mix 29.57% of portfolio
67/100
Strong
3© Quintin Soloviev · CC BY 4.0
Denver, COMetro
Volume 32Mix 12.45% of portfolio
56/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 211Mix 82.10% of portfolio
71/100
Strong
Colorado
Colorado
2
ColoradoState
Volume 46Mix 17.90% of portfolio
58/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.