# 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

## 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 |

## 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.

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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:** 2026-05-29
**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

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