Applications / Mortgage Analytics / Lenders / Texas / SFMC
Plano, TX · Independent non-bank lender · CFPB · 3,375 loans in 2025
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3,375
loans originated, 2025
4,910
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SFMC, a Texas home-purchase lender, ranks 13th of 1,026 lenders in Dallas-Fort Worth and leans more on government-backed loans than most similar lenders.
Purchases made up 93.2% of its 3,375 loans in 2025. Loans insured by the Federal Housing Administration (FHA) were 38.9%, against 22.9% at the typical similar lender, an independent non-bank making between half and twice as many loans. Loans guaranteed by the Department of Veterans Affairs (VA) were 11.5%, against 6.7%.
Dallas-Fort Worth is its largest market. It entered Minneapolis-St. Paul in 2024, where its share has reached 0.1%, and Clarksville, Atlanta and Valdosta in 2025. It now lends in 15 states.
Its loans fell 8% while similar lenders grew 11% and the whole market 10%. Its share slipped by 0.1 points in both Austin and Houston. The figures do not show why; the move into new states may have drawn effort from Texas, or the fall may reflect a choice about which loans to make.
Its typical rate, 6.25%, was lower than at about nine in ten similar lenders, where 6.62% was typical. Its higher-priced share, loans at a rate well above the average for similar loans, fell from 5.9% to 2.4%, close to the 2.2% at its peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SFMC took 4,910 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 93.2% · Refinance 6.8% · Other 0.0%
Conventional 48.8% · FHA 38.9% · VA 11.5% · USDA (RHS or FSA) 0.9% · of 3,375 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 2,983 | 88.4% |
| Minnesota | 100 | 3.0% |
| Tennessee | 79 | 2.3% |
| Louisiana | 73 | 2.2% |
| North Carolina | 38 | 1.1% |
| Florida | 32 | 0.9% |
| Arizona | 29 | 0.9% |
| Kentucky | 10 | 0.3% |
| Georgia | 9 | 0.3% |
| Arkansas | 8 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 1,214 |
| Fort Worth-Arlington-Grapevine | 843 |
| Houston-Pasadena-The Woodlands | 242 |
| Austin-Round Rock-San Marcos | 220 |
| San Antonio-New Braunfels | 106 |
| Minneapolis-St. Paul-Bloomington | 101 |
| Nashville-Davidson--Murfreesboro--Franklin | 73 |
| Sherman-Denison | 60 |
| Lafayette | 48 |
| Corpus Christi | 47 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930020YWIK7HGH2R34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3843271 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 71100900005 | 2003–2017 |
Established 29 December 2001. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: SFMC's data.
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