What loan types does Southern Lending Services offer?

Southern Lending Services offers the following mortgage loan types: Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Southern Lending Services offer mortgages?

Southern Lending Services offers mortgages in 2 states: CO, TX.

How competitive are Southern Lending Services's mortgage rates?

Southern Lending Services has an overall pricing score of 89.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Southern Lending Services?

Southern Lending Services is a Independent Mortgage Company headquartered in HOUSTON, TX.

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Southern Lending Services

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

Southern Lending Services has 257 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

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

Conventional · VA

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Champion

Purchase

Superstar

Summary

What They Do Well

Offers rates 50.30 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Southern Lending Services performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 50.3 bps below market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

202 loans · 0.29% below market

Sound

Top 60% of lenders

3/5

54 loans · 1.17% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

256 loans · 0.51% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Exceptional	Sound	202	78.6%	-0.294%Below	$1,577Fees
VA Loans	Exceptional	Strong	Exceptional	Exceptional	54	21.0%	-1.169%Below	$1,001Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume202

Mix78.6%

Spread

-0.294%Below

Fees

$1,577Fees

VA Loans

Overall

Exceptional

Product

Strong

Pricing

Exceptional

Pull Through

Exceptional

Volume54

Mix21.0%

Spread

-1.169%Below

Fees

$1,001Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Sound	256	99.6%	-0.508%Below	$1,399Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume256

Mix99.6%

Spread

-0.508%Below

Fees

$1,399Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

257

Applications

322

Volume

$124 million

Pricing & Closing

Avg Rate Spread

-0.503%

vs. market APOR

Avg Net Fees

$1,439

Origination − Credits

Pullthrough Rate

79.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$485,311

Avg Borrower Income

$201,996

Avg Property Value

$671,109

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 5050+None

South1

West1

Top Metro Areas by Place Specialization Score

Austin, TXMetro

Volume 135Mix 52.53% of portfolio

79/100

Strong

San Antonio, TXMetro

Volume 76Mix 29.57% of portfolio

67/100

Strong

Denver, COMetro

Volume 32Mix 12.45% of portfolio

56/100

Sound

Top States by Place Specialization Score

TexasState

Volume 211Mix 82.10% of portfolio

71/100

Strong

ColoradoState

Volume 46Mix 17.90% of portfolio

58/100

Sound

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(80%+ = 40-50 points)

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.