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 score and performance metrics.

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 an overall pricing score of 33.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is SWBC Mortgage Corporation?

SWBC Mortgage Corporation is a Independent Mortgage Company headquartered in SAN ANTONIO, TX.

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SWBC Mortgage Corporation

Independent Mortgage Company•San Antonio, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from SWBC Mortgage Corporation — 6.5k loans across 8k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

Near-National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

SWBC Mortgage Corporation performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+32.7 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	4,125	63.3%	+0.325%Above	$2,940Fees
FHA Loans	Strong	Exceptional	Sound	Exceptional	1,408	21.6%	+0.658%Above	$2,531Fees
VA Loans	Strong	Exceptional	Sound	Exceptional	770	11.8%	-0.312%Below	$2,942Fees
Jumbo Loans	Strong	Exceptional	Sound	Strong	124	1.9%	+0.491%Above	$1,568Fees
USDA Loans	Exceptional	Exceptional	—	Strong	87	1.3%	-0.028%Below	$1,860Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume4,125

Mix63.3%

Spread

+0.325%Above

Fees

$2,940Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume1,408

Mix21.6%

Spread

+0.658%Above

Fees

$2,531Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume770

Mix11.8%

Spread

-0.312%Below

Fees

$2,942Fees

Jumbo Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume124

Mix1.9%

Spread

+0.491%Above

Fees

$1,568Fees

USDA Loans

Overall

Exceptional

Product

Exceptional

Pricing—

Pull Through

Strong

Volume87

Mix1.3%

Spread

-0.028%Below

Fees

$1,860Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	5,897	90.5%	+0.330%Above	$2,708Fees
Refinance	Sound	Strong	Acceptable	Strong	617	9.5%	+0.314%Above	$3,524Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume5,897

Mix90.5%

Spread

+0.330%Above

Fees

$2,708Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume617

Mix9.5%

Spread

+0.314%Above

Fees

$3,524Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

6,514

Applications

8,402

Volume

$2 billion

Pricing & Closing

Avg Rate Spread

+0.327%

vs. market APOR

Avg Net Fees

$2,844

Origination − Credits

Pullthrough Rate

77.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$338,654

Avg Borrower Income

$136,188

Avg Property Value

$435,976

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast3

MANJPA

Midwest5

INMNNEOHWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West9

AZCACOIDNMNVUTWAWY

Top Metro Areas by Place Specialization Score

1© No machine-readable author provided. Billy Hathorn assumed · CC BY-SA 3.0

Waco, TXMetro

Volume 255Mix 3.91% of portfolio

100/100

Exceptional

2© Brandonrush · CC BY-SA 3.0

Hot Springs, ARMetro

Volume 102Mix 1.57% of portfolio

100/100

Exceptional

3© Ebyabe · CC BY-SA 3.0

Pensacola, FLMetro

Volume 329Mix 5.05% of portfolio

91/100

Exceptional

Gulfport, MSMetro

Volume 231Mix 3.55% of portfolio

90/100

Exceptional

Nashville, TNMetro

Volume 518Mix 7.95% of portfolio

85/100

Exceptional

Killeen, TXMetro

Volume 233Mix 3.58% of portfolio

84/100

Exceptional

Marietta, GAMetro

Volume 252Mix 3.87% of portfolio

81/100

Exceptional

Scranton, PAMetro

Volume 111Mix 1.70% of portfolio

76/100

Strong

Mobile, ALMetro

Volume 80Mix 1.23% of portfolio

75/100

Strong

Roanoke, VAMetro

Volume 91Mix 1.40% of portfolio

75/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

TexasState

Volume 1,549Mix 23.78% of portfolio

82/100

Exceptional

TennesseeState

Volume 646Mix 9.92% of portfolio

80/100

Exceptional

MississippiState

Volume 388Mix 5.96% of portfolio

79/100

Strong

GeorgiaState

Volume 506Mix 7.77% of portfolio

75/100

Strong

ColoradoState

Volume 446Mix 6.85% of portfolio

74/100

Strong

ArkansasState

Volume 304Mix 4.67% of portfolio

74/100

Strong

MinnesotaState

Volume 379Mix 5.82% of portfolio

73/100

Strong

FloridaState

Volume 742Mix 11.39% of portfolio

73/100

Strong

MarylandState

Volume 328Mix 5.04% of portfolio

73/100

Strong

VirginiaState

Volume 288Mix 4.42% of portfolio

71/100

Strong

Showing 10 of 20 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.