Applications / Mortgage Analytics / Lenders / Texas / Southern Lending Services
Houston, TX · Independent non-bank lender · CFPB · 275 loans in 2025
Southern Lending Services's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
275
loans originated, 2025
338
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southern Lending Services is a Texas non-bank that makes only home-purchase loans, larger than its peers' and with many guaranteed for veterans.
Every one of its 275 loans in 2025 financed a home purchase, and none was on a manufactured home. Loans guaranteed by the Department of Veterans Affairs (VA) made up 17.8%, against 4.2% for similar lenders, independent non-banks making between half and twice as many loans; that is higher than about nine in ten of them. Loans insured by the Federal Housing Administration (FHA) made up 10.5%, against none a year earlier or five years before.
Its typical loan was $505,000, against $325,000 for similar lenders, larger than at more than four in five of them. Its typical rate was 5.75%, against 6.50% for peers, among the lowest twentieth. None of its loans was higher-priced, meaning a rate well above the average for similar loans.
Austin and San Antonio are its largest markets. It ranks 81 of 753 lenders in Austin and 84 of 669 in San Antonio, with shares that held steady in 2025. It has lent in both since 2015, and entered Denver in 2023.
Its loans rose 7% in 2025, against 2% for similar lenders. It made 127 loans in 2018 and has made between 219 and 317 a year since 2020. Of its purchase applications, 1.5% were denied, against 3.4% for peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Southern Lending Services took 338 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 71.6% · VA 17.8% · FHA 10.5% · of 275 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 204 | 74.2% |
| Colorado | 71 | 25.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 116 |
| San Antonio-New Braunfels | 80 |
| Denver-Aurora-Centennial | 61 |
| Dallas-Plano-Irving | 8 |
| Greeley | 6 |
| Boulder | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W8XIPJGDECVX07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5026407 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7271209306 |
Established 22 October 2009. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Southern Lending Services's data.
Southern Lending Services's data
$215
Southern Lending Services and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Southern Lending Services's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]