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