Safe Rate Rankings

Best Mortgage Company Lenders in Midland

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ 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.

Market

Total Lenders21

Total Loans2,181

Median Rate Spread0.53%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,091Fees	0.535%Above	111
2	Premia Mortgage, LLC DBA Premia Relocation MortgageIndependent Mortgage Company	Strong	Exceptional	Sound	Sound	$2,665Fees	0.336%Below	25
3	LRS FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,278Fees	0.271%Above	157
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,104Fees	0.281%Above	118
5	DIRECTIONS EQUITY, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,229Fees	1.102%Above	65
6	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,047Fees	0.571%Above	35
7	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,678Fees	0.505%Above	343
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,260Fees	0.350%Above	164
9	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,783Fees	0.536%Above	59
10	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,020Fees	0.563%Above	49
11	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,519Fees	0.451%Above	24
12	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,517Fees	0.523%Above	106
13	SFMC, LPIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$6,752Fees	0.741%Above	42
14	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$5,091Fees	0.404%Above	20
15	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$4,171Fees	0.760%Above	262
16	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,982Fees	0.994%Above	76
17	RIGHT START MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$4,386Fees	1.051%Above	33
18	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$159Fees	0.008%Below	25
19	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$5,879Fees	0.965%Above	45
20	NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	$4,859Fees	0.838%Above	31

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.