# SWBC MORTGAGE CORPORATION

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


SWBC MORTGAGE CORPORATION is a independent mortgage company, headquartered in SAN ANTONIO, TX, serving borrowers across 34 states, with 6,514 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 66% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 14% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300DMYENRV818D594
- **Headquarters:** SAN ANTONIO, TX
- **Geographic Reach:** Near-National
- **States Served:** 34
- **State List:** AL, AR, AZ, CA, CO, DC, DE, FL, GA, ID, IN, KY, LA, MA, MD, MN, MS, NC, NE, NJ, NM, NV, OH, OK, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 86/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.327%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,844
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 6,514
- **Dollar Volume:** $2.2 billion
- **Applications Received:** 8,402
- **Market Share:** 18.00%

## Typical Borrower Profile

- **Average Loan Amount:** $338,654
- **Average Borrower Income:** $136,188
- **Average Property Value:** $435,976

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (76%)
- ⭐ **VA Gold Superstar** (76%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 86/100 | 4,125 | +0.325% | $2,940 | Exceptional 🤩 |
| FHA | 86/100 | 1,408 | +0.658% | $2,531 | Exceptional 🤩 |
| VA | 85/100 | 770 | -0.312% | $2,942 | Exceptional 🤩 |
| Jumbo | 81/100 | 124 | +0.491% | $1,568 | Exceptional 🤩 |
| USDA | 86/100 | 87 | -0.028% | $1,860 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,638 loans, Score: 87/100 (Exceptional)
- Refinance: 487 loans, Score: 76/100 (Strong)

**FHA:**
- Purchase: 1,355 loans, Score: 87/100 (Exceptional)
- Refinance: 53 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 724 loans, Score: 85/100 (Exceptional)
- Refinance: 46 loans, Score: 79/100 (Strong)

**Jumbo:**
- Purchase: 93 loans, Score: 81/100 (Exceptional)
- Refinance: 31 loans, Score: 81/100 (Exceptional)

**USDA:**
- Purchase: 87 loans, Score: 86/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 87/100 | 5,897 | $1.9B | +0.330% | Exceptional 🤩 |
| Refinance | 77/100 | 617 | $261M | +0.314% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 1,549 | 0.44% | 82/100 |
| FL | 742 | 0.25% | 73/100 |
| TN | 646 | 0.71% | 80/100 |
| GA | 506 | 0.37% | 75/100 |
| CO | 446 | 0.53% | 74/100 |
| MS | 388 | 1.55% | 79/100 |
| MN | 379 | 0.59% | 73/100 |
| MD | 328 | 0.47% | 73/100 |
| AR | 304 | 0.94% | 74/100 |
| PA | 301 | 0.25% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nashville | TN | 518 | 85/100 |
| Non |  | 511 | 68/100 |
| Minneapolis | MN-WI | 375 | 75/100 |
| Pensacola | FL | 329 | 91/100 |
| Denver | CO | 312 | 74/100 |
| Dallas | TX | 283 | 73/100 |
| Waco, TX | TX | 255 | 100/100 |
| Marietta, GA | GA | 252 | 81/100 |
| Killeen | TX | 233 | 84/100 |
| Gulfport | MS | 231 | 90/100 |
| Baltimore | MD | 209 | 72/100 |
| Houston | TX | 184 | 66/100 |
| San Antonio | TX | 167 | 67/100 |
| Oklahoma City, OK | OK | 155 | 72/100 |
| Jacksonville, FL | FL | 135 | 69/100 |

## Where This Lender Ranks

SWBC MORTGAGE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Waco, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Waco, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Marietta, GA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Hot Springs, AR for VA Loans
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Hot Springs, AR for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in Hot Springs, AR for USDA Loans
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Hot Springs, AR for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Tennessee for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Waco, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Waco, TX for VA Loans
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Waco, TX for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Gulfport for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/gulfport/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Hot Springs, AR for FHA Loans
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Hot Springs, AR for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Roanoke, VA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Fort Smith, AR for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Fort Smith, AR for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Abilene, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Texarkana, TX for USDA Loans
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Texarkana, TX for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/mortgage-companies/usda-loans)

## Frequently Asked Questions

### What loan types does SWBC MORTGAGE CORPORATION offer?

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

### Where does SWBC MORTGAGE CORPORATION offer mortgages?

SWBC MORTGAGE CORPORATION offers mortgages in 34 states: AL, AR, AZ, CA, CO, DC, DE, FL, GA, ID, IN, KY, LA, MA, MD, MN, MS, NC, NE, NJ, NM, NV, OH, OK, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY.

### How competitive are SWBC MORTGAGE CORPORATION's mortgage rates?

SWBC MORTGAGE CORPORATION has a pricing score of 34/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.327% above market average.

### What type of lender is SWBC MORTGAGE CORPORATION?

SWBC MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in SAN ANTONIO, TX.

### What is SWBC MORTGAGE CORPORATION's loan approval success rate?

SWBC MORTGAGE CORPORATION has a pull-through score of 86/100 (Exceptional). 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/swbc-mortgage

### How to Cite

> "SWBC MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/swbc-mortgage

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