🛡️
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 Mortgage Lenders in Odessa
Updated February 5, 2026
Market Overview
27
Total Lenders
1,665
Total Loans
0.71%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,127 | +0.582% | 162 | |
2 | DIRECTIONS EQUITY, LLC | Strong | Sound | Exceptional | Strong | $2,121 | +0.962% | 47 | |
3 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $4,150 | +0.793% | 178 | |
4 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,934 | +0.681% | 105 | |
5 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Sound | $2,367 | +0.566% | 21 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,997 | +0.545% | 92 | |
7 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,590 | +0.943% | 61 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $3,526 | +0.166% | 30 | |
9 | RIGHT START MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | $4,899 | +1.138% | 84 | |
10 | SFMC, LP | Strong | Acceptable | Strong | Strong | $4,400 | +1.161% | 60 | |
11 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Sound | $4,131 | +0.527% | 27 | |
12 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $4,490 | +1.150% | 54 | |
13 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $3,692 | +1.470% | 36 | |
14 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $4,488 | +0.597% | 35 | |
15 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $4,321 | +1.002% | 69 | |
16 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Strong | Strong | $4,297 | +0.918% | 52 | |
17 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Strong | $4,136 | +0.936% | 49 |
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
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Odessa, TX
No credit impact
3-minute process
100% free