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ISERVE RESIDENTIAL LENDING, LLC
Independent Mortgage Company|PHOENIX, AZ|Multi-Region
Loans Originated
578
Applications
786
Volume
$204 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.365%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,409
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA and USDA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,409)
Report Card
ISERVE RESIDENTIAL LENDING, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 12 metro areas · 12 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$353,512
Average Borrower Income
$122,306
Average Property Value
$436,505
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Sound | 190 | 32.9% | +0.363% | $4,030 |
FHA Loans | Sound | Strong | Mediocre | Strong | 306 | 52.9% | +0.602% | $5,401 |
VA Loans | Sound | Strong | Acceptable | Strong | 62 | 10.7% | -0.305% | $3,925 |
USDA Loans | Strong | Strong | N/A | Strong | 17 | 2.9% | +0.189% | $1,575 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Sound | 354 | 61.2% | +0.417% | $4,211 |
Refinance | Sound | Strong | Acceptable | Strong | 224 | 38.8% | +0.115% | $5,359 |
Geographic Coverage
Metro Areas
11
States Served
12
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALCACOFLGAINKYNCNVORTNVA
Top Metro Areas by Place Specialization Score
1
Reno, NV, NVMSA
Volume: 67Mix: 11.59%
Place Specialization
Strong
2
Nashville, TNMSA
Volume: 101Mix: 17.47%
Place Specialization
Strong
3
Atlanta, GAMSA
Volume: 58Mix: 10.03%
Place Specialization
Strong
4
Chattanooga, TN, TN-GAMSA
Volume: 19Mix: 3.29%
Place Specialization
Sound
5
Virginia Beach, VA-NCMSA
Volume: 22Mix: 3.81%
Place Specialization
Sound
6
Eugene, ORMSA
Volume: 14Mix: 2.42%
Place Specialization
Sound
7
San Diego, CAMSA
Volume: 17Mix: 2.94%
Place Specialization
Sound
8
Knoxville, TN, TNMSA
Volume: 15Mix: 2.60%
Place Specialization
Sound
9
Marietta, GA, GAMSA
Volume: 13Mix: 2.25%
Place Specialization
Sound
10
Clarksville, TN, TN-KYMSA
Volume: 10Mix: 1.73%
Place Specialization
Sound
Showing 10 of 11 metro areas
Top States by Place Specialization Score
1
TNState
Volume: 199Mix: 34.43%
Place Specialization
Strong
2
NVState
Volume: 110Mix: 19.03%
Place Specialization
Strong
3
GAState
Volume: 105Mix: 18.17%
Place Specialization
Strong
4
ORState
Volume: 23Mix: 3.98%
Place Specialization
Sound
5
VAState
Volume: 23Mix: 3.98%
Place Specialization
Sound
6
CAState
Volume: 31Mix: 5.36%
Place Specialization
Sound
7
ALState
Volume: 18Mix: 3.11%
Place Specialization
Sound
8
FLState
Volume: 22Mix: 3.81%
Place Specialization
Sound
9
KYState
Volume: 12Mix: 2.08%
Place Specialization
Sound
10
INState
Volume: 13Mix: 2.25%
Place Specialization
Sound
Showing 10 of 11 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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