Safe Rate Rankings

Best Conventional Mortgage Lenders in Odessa

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 Lenders27

Total Loans1,665

Median Rate Spread0.71%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,127Fees	0.582%Above	162
2	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,286Fees	0.322%Above	11
3	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,150Fees	0.793%Above	178
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,997Fees	0.545%Above	92
5	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$3,526Fees	0.166%Above	30
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,509Fees	1.161%Above	14
7	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,934Fees	0.681%Above	105
8	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,590Fees	0.943%Above	61
9	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,136Fees	0.936%Above	49
10	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,131Fees	0.527%Above	27
11	LRS FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,667Fees	0.458%Above	10
12	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,488Fees	0.597%Above	35
13	RIGHT START MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$4,899Fees	1.138%Above	84
14	Waterstone Mortgage CorporationIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,321Fees	1.002%Above	69
15	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,490Fees	1.150%Above	54
16	NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$4,297Fees	0.918%Above	52
17	Flanagan State BankBank	Sound	Acceptable	Strong	Sound	Sound	$3,725Fees	0.540%Above	15
18	SFMC, LPIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$4,400Fees	1.161%Above	60
19	DIRECTIONS EQUITY, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Strong	$2,121Fees	0.962%Above	47

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.