# SFMC, LP > **Canonical URL:** https://saferate.com/lenders/sfmc-lp > **📋 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 SFMC, LP is a independent mortgage company, headquartered in MCKINNEY, TX, serving borrowers across 13 states, with 3,600 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 75% of lenders for competitive rates - **Approval Rate:** Ranks in the top 27% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 54930020YWIK7HGH2R34 - **Headquarters:** MCKINNEY, TX - **Geographic Reach:** Multi-Region - **States Served:** 13 - **State List:** AR, AZ, CO, FL, GA, LA, ME, MN, NC, OH, OK, TN, TX - **Markets (MSAs):** 13 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 94% - **Brokered/Wholesale:** 6% ## Safe Rate Ratings ### Pricing: Acceptable 🙂 - Score: 25/100 - Rating: ●●○○○ (2/5) ### Pull Through: Strong 😀 - Score: 73/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** +0.298% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $4,198 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 3,600 - **Dollar Volume:** $1.3 billion - **Applications Received:** 5,058 - **Market Share:** 10.00% ## Typical Borrower Profile - **Average Loan Amount:** $359,944 - **Average Borrower Income:** $149,753 - **Average Property Value:** $426,822 ## Safe Rate Awards 🏆 - ⭐ **FHA Gold Superstar** (62%) - ⭐ **VA Gold Superstar** (77%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 72/100 | 1,780 | +0.464% | $4,314 | Strong 😀 | | FHA | 83/100 | 1,399 | +0.276% | $4,299 | Exceptional 🤩 | | VA | 80/100 | 396 | -0.590% | $3,108 | Exceptional 🤩 | | Jumbo | 63/100 | 18 | +0.427% | $4,254 | Strong 😀 | ### Product Performance by Purpose **Conventional:** - Purchase: 1,625 loans, Score: 73/100 (Strong) - Refinance: 155 loans, Score: 64/100 (Strong) **FHA:** - Purchase: 1,388 loans, Score: 83/100 (Exceptional) **VA:** - Purchase: 392 loans, Score: 80/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 78/100 | 3,428 | $1.2B | +0.292% | Strong 😀 | | Refinance | 64/100 | 172 | $62M | +0.372% | Strong 😀 | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | TX | 3,353 | 0.96% | 92/100 | | NC | 93 | 0.06% | 56/100 | | FL | 65 | 0.02% | 48/100 | | AZ | 20 | 0.02% | 42/100 | | OK | 16 | 0.04% | 42/100 | | LA | 15 | 0.04% | 41/100 | | AR | 10 | 0.03% | 38/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Dallas | TX | 1,257 | 92/100 | | Fort Worth | TX | 906 | 97/100 | | Houston | TX | 356 | 76/100 | | Austin | TX | 304 | 82/100 | | Non | | 190 | 55/100 | | San Antonio | TX | 148 | 67/100 | | Raleigh | NC | 65 | 61/100 | | Odessa, TX | TX | 60 | 75/100 | | Sherman | TX | 51 | 76/100 | | Midland, TX | TX | 42 | 65/100 | | Corpus Christi, TX | TX | 27 | 54/100 | | Tampa, FL | FL | 25 | 47/100 | | Phoenix | AZ | 18 | 42/100 | ## Where This Lender Ranks SFMC, LP appears in the following market rankings: ### Best Overall Mortgage Lenders - 🥉 **#3** in Fort Worth for VA Loans - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/va-loans) - 🥉 **#3** in Fort Worth for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/mortgage-companies/va-loans) - 🏆 **#4** in Dallas for VA Loans - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/va-loans) - 🏆 **#4** in Dallas for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/mortgage-companies/va-loans) - 🏆 **#4** in Austin for USDA Loans - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/usda-loans) - 🏆 **#4** in Austin for USDA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/mortgage-companies/usda-loans) - 🏆 **#6** in Texas for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/mortgage-companies/va-loans) - 🏆 **#6** in Austin for VA Loans - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/va-loans) - 🏆 **#6** in Austin for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/mortgage-companies/va-loans) - 🏆 **#8** in Texas for VA Loans - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/va-loans) - 🏆 **#8** in Odessa, TX Mortgage Companies - [View Full Rankings](https://saferate.com/odessa-tx/best-mortgage-lenders/mortgage-companies) - 🏆 **#9** in Odessa, TX - [View Full Rankings](https://saferate.com/odessa-tx/best-mortgage-lenders) - 🏆 **#10** in Odessa, TX for FHA Loans - [View Full Rankings](https://saferate.com/odessa-tx/best-mortgage-lenders/fha-loans) - 🏆 **#10** in Odessa, TX for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/odessa-tx/best-mortgage-lenders/mortgage-companies/fha-loans) - 🏆 **#11** in Sherman for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/mortgage-companies/fha-loans) - 🏆 **#12** in Sherman Mortgage Companies - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/mortgage-companies) - 🏆 **#13** in Raleigh for Jumbo Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/raleigh/best-mortgage-lenders/mortgage-companies/jumbo-loans) - 🏆 **#13** in Sherman for FHA Loans - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/fha-loans) - 🏆 **#13** in Midland, TX Mortgage Companies - [View Full Rankings](https://saferate.com/midland-tx/best-mortgage-lenders/mortgage-companies) - 🏆 **#14** in Midland, TX for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/midland-tx/best-mortgage-lenders/mortgage-companies/fha-loans) ## Frequently Asked Questions ### What loan types does SFMC, LP offer? SFMC, LP offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does SFMC, LP offer mortgages? SFMC, LP offers mortgages in 13 states: AR, AZ, CO, FL, GA, LA, ME, MN, NC, OH, OK, TN, TX. ### How competitive are SFMC, LP's mortgage rates? SFMC, LP has a pricing score of 25/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.298% above market average. ### What type of lender is SFMC, LP? SFMC, LP is a non-depository lender that specializes in mortgage origination, headquartered in MCKINNEY, TX. ### What is SFMC, LP's loan approval success rate? SFMC, LP has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## 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/sfmc-lp ### How to Cite > "SFMC, LP Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sfmc-lp --- **[View Interactive Profile →](https://saferate.com/lenders/sfmc-lp)**