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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Company Lenders in Midland
Updated February 5, 2026
Market Overview
29
Total Lenders
2,461
Total Loans
0.40%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,091 | +0.535% | 111 | |
2 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,047 | +0.571% | 35 | |
3 | Premia Mortgage, LLC DBA Premia Relocation Mortgage | Exceptional | Exceptional | Strong | Sound | Sound | $2,665 | -0.336% | 25 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,260 | +0.350% | 164 | |
5 | LRS FINANCIAL NETWORK, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,278 | +0.271% | 157 | |
6 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,678 | +0.505% | 343 | |
7 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,171 | +0.760% | 262 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,104 | +0.281% | 118 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $5,636 | +0.709% | 16 | |
10 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,517 | +0.523% | 106 | |
11 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,783 | +0.536% | 59 | |
12 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,020 | +0.563% | 49 | |
13 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $5,347 | +0.407% | 17 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $1,519 | +0.451% | 24 | |
15 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,091 | +0.404% | 20 | |
16 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,279 | +0.095% | 14 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,811 | +0.356% | 13 | |
18 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,275 | +0.547% | 13 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,901 | +0.468% | 12 | |
20 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,982 | +0.994% | 76 | |
21 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $159 | -0.008% | 25 | |
22 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | Sound | $4,701 | +0.957% | 16 | |
23 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,502 | +0.416% | 10 | |
24 | RIGHT START MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | Strong | $4,386 | +1.051% | 33 | |
25 | NATIONS RELIABLE LENDING, LLC | Sound | Acceptable | Strong | Sound | Sound | $4,859 | +0.838% | 31 | |
26 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | Strong | $5,879 | +0.965% | 45 | |
27 | SFMC, LP | Sound | Mediocre | Strong | Sound | Strong | $6,752 | +0.741% | 42 | |
28 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Acceptable | $3,690 | +0.655% | 10 | |
29 | DIRECTIONS EQUITY, LLC | Sound | Mediocre | Sound | Sound | Strong | $2,229 | +1.102% | 65 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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