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Brightland Mortgage Services

Independent Mortgage Company•Houston, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Brightland Mortgage Services — 985 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Exceptional
5/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
FHA Champion
FHA
Champion
VA Champion
VA
Champion
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 18.50 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

Explore another lender or local market

Report Card

Brightland Mortgage Services performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 18.5 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
525 loans · 0.03% below market
Strong
Top 40% of lenders
4/5
FHA
368 loans · 0.29% below market
Strong
Top 40% of lenders
4/5
VA
92 loans · 0.96% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
985 loans · 0.18% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Exceptional
Top 20% of lenders
5/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume525
Mix53.3%
Spread
-0.031%Below
Fees
$1,308Fees
FHA Loans
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume368
Mix37.4%
Spread
-0.287%Below
Fees
$626Fees
VA Loans
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume92
Mix9.3%
Spread
-0.961%Below
Fees
$1,568Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume985
Mix100.0%
Spread
-0.185%Below
Fees
$1,174Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
985
Applications
1,213
Volume
$371 million
Pricing & Closing
Avg Rate Spread
-0.185%
vs. market APOR
Avg Net Fees
$1,174
Origination − Credits
Pullthrough Rate
81.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$377,051
Avg Borrower Income
$154,457
Avg Property Value
$445,995

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

2Full-year 2024 · HMDA
2 states with loan originations
Loans originated
All statesNone
South2
TNTX

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 467Mix 47.41% of portfolio
92/100
Exceptional
2© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 459Mix 46.60% of portfolio
83/100
Exceptional
3© 归零者 · CC BY-SA 4.0
College Station, TXMetro
Volume 47Mix 4.77% of portfolio
75/100
Strong

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 977Mix 99.19% of portfolio
83/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.