# SI MORTGAGE COMPANY

> **Canonical URL:** https://saferate.com/lenders/si-mortgage


> **📋 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


SI MORTGAGE COMPANY is a independent mortgage company, headquartered in Sterling Heights, MI, serving borrowers across 32 states, with 633 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300DKYWYDD1KM2515
- **Headquarters:** Sterling Heights, MI
- **Geographic Reach:** Near-National
- **States Served:** 32
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, IL, IN, MA, MD, MI, MN, MO, NC, NE, NH, NJ, NV, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 15
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 633
- **Dollar Volume:** $287 million
- **Applications Received:** 902
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $453,120
- **Average Borrower Income:** $184,502

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 594 | - | - | Sound ☺️ |
| FHA | 37/100 | 18 | - | - | Acceptable 🙂 |
| Jumbo | 46/100 | 21 | - | - | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 469 loans, Score: 52/100 (Sound)
- Refinance: 125 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 504 | $224M | - | Sound ☺️ |
| Refinance | 56/100 | 129 | $63M | - | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 118 | 0.03% | 60/100 |
| MI | 109 | 0.10% | 64/100 |
| PA | 66 | 0.05% | 58/100 |
| NJ | 63 | 0.07% | 60/100 |
| IL | 36 | 0.03% | 51/100 |
| FL | 33 | 0.01% | 46/100 |
| NC | 31 | 0.02% | 48/100 |
| TN | 23 | 0.03% | 47/100 |
| GA | 22 | 0.02% | 46/100 |
| AR | 16 | 0.05% | 45/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Warren | MI | 74 | 64/100 |
| Austin | TX | 52 | 62/100 |
| Dallas | TX | 50 | 58/100 |
| Montgomery County | PA | 50 | 64/100 |
| Lakewood | NJ | 31 | 55/100 |
| Chicago | IL | 29 | 51/100 |
| Detroit | MI | 25 | 53/100 |
| Nashville | TN | 20 | 49/100 |
| Atlanta | GA | 16 | 44/100 |
| Tampa, FL | FL | 16 | 45/100 |
| Fayetteville | AR | 15 | 46/100 |
| Jacksonville, FL | FL | 14 | 45/100 |
| Raleigh | NC | 14 | 45/100 |
| New York | NY-NJ | 11 | 41/100 |
| Philadelphia, PA | PA | 10 | 41/100 |

## Frequently Asked Questions

### What loan types does SI MORTGAGE COMPANY offer?

SI MORTGAGE COMPANY offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SI MORTGAGE COMPANY offer mortgages?

SI MORTGAGE COMPANY offers mortgages in 32 states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IL, IN, MA, MD, MI, MN, MO, NC, NE, NH, NJ, NV, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI.

### What type of lender is SI MORTGAGE COMPANY?

SI MORTGAGE COMPANY is a non-depository lender that specializes in mortgage origination, headquartered in Sterling Heights, MI.

### What is SI MORTGAGE COMPANY's loan approval success rate?

SI MORTGAGE COMPANY has a pull-through score of 50/100 (Sound). 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/si-mortgage

### How to Cite

> "SI MORTGAGE COMPANY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/si-mortgage

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