# FC LENDING, LTD.

> **Canonical URL:** https://saferate.com/lenders/fc-lending


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FC LENDING, LTD. is a independent mortgage company, headquartered in HOUSTON, TX, with 60 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 13% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 84% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300IVOJIAJUT2E435
- **Headquarters:** HOUSTON, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pull Through: Mediocre 😐
- Score: 16/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.155%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $106
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 60
- **Dollar Volume:** $29 million
- **Applications Received:** 185
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $486,500
- **Average Borrower Income:** $207,217
- **Average Property Value:** $621,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 24/100 | 59 | +0.155% | $106 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 59 loans, Score: 27/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 27/100 | 60 | $29M | +0.155% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 60 | 0.02% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 41 | 62/100 |
| Dallas | TX | 11 | 46/100 |

## Frequently Asked Questions

### What loan types does FC LENDING, LTD. offer?

FC LENDING, LTD. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FC LENDING, LTD. offer mortgages?

FC LENDING, LTD. offers mortgages in 1 states: TX.

### How competitive are FC LENDING, LTD.'s mortgage rates?

FC LENDING, LTD. has a pricing score of 87/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.155% above market average.

### What type of lender is FC LENDING, LTD.?

FC LENDING, LTD. is a non-depository lender that specializes in mortgage origination, headquartered in HOUSTON, TX.

### What is FC LENDING, LTD.'s loan approval success rate?

FC LENDING, LTD. has a pull-through score of 16/100 (Mediocre). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/fc-lending

### How to Cite

> "FC LENDING, LTD. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fc-lending

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