Iserve Residential Lending
We analyzed every closed loan from Iserve Residential Lending — 578 loans across 786 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Multi-Region · 11 mkts
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)
Explore another lender or local market
Report Card
Iserve Residential Lending performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+36.5 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 12 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 190 | 32.9% | +0.363%Above | $4,030Fees | ||||
FHA Loans | 306 | 52.9% | +0.602%Above | $5,401Fees | ||||
VA Loans | 62 | 10.7% | -0.305%Below | $3,925Fees | ||||
USDA Loans | — | 17 | 2.9% | +0.189%Above | $1,575Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume190
Mix32.9%
Spread
+0.363%Above
Fees
$4,030Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume306
Mix52.9%
Spread
+0.602%Above
Fees
$5,401Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume62
Mix10.7%
Spread
-0.305%Below
Fees
$3,925Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume17
Mix2.9%
Spread
+0.189%Above
Fees
$1,575Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 354 | 61.2% | +0.417%Above | $4,211Fees | ||||
Refinance | 224 | 38.8% | +0.115%Above | $5,359Fees |
Purchase
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume354
Mix61.2%
Spread
+0.417%Above
Fees
$4,211Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume224
Mix38.8%
Spread
+0.115%Above
Fees
$5,359Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
578
Applications
786
Volume
$204 million
Pricing & Closing
Avg Rate Spread
+0.365%
vs. market APOR
Avg Net Fees
$4,409
Origination − Credits
Pullthrough Rate
73.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$353,512
Avg Borrower Income
$122,306
Avg Property Value
$436,505
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
12Midwest1
IN
South7
ALFLGAKYNCTNVA
West4
CACONVOR
Top Metro Areas by Place Specialization Score
Volume 67Mix 11.59% of portfolio
73/100
Strong
Volume 101Mix 17.47% of portfolio
71/100
Strong
Volume 58Mix 10.03% of portfolio
61/100
Strong
Volume 19Mix 3.29% of portfolio
52/100
Sound
Volume 22Mix 3.81% of portfolio
50/100
Sound
Volume 14Mix 2.42% of portfolio
48/100
Sound
Volume 17Mix 2.94% of portfolio
47/100
Sound
Volume 15Mix 2.60% of portfolio
46/100
Sound
Volume 13Mix 2.25% of portfolio
44/100
Sound
Volume 10Mix 1.73% of portfolio
42/100
SoundShowing 10 of 11 metro areas
Top States by Place Specialization Score
1
TennesseeState
Volume 199Mix 34.43% of portfolio
74/100
Strong2
NevadaState
Volume 110Mix 19.03% of portfolio
71/100
Strong3
GeorgiaState
Volume 105Mix 18.17% of portfolio
64/100
Strong4
OregonState
Volume 23Mix 3.98% of portfolio
50/100
Sound5
VirginiaState
Volume 23Mix 3.98% of portfolio
47/100
Sound6
CaliforniaState
Volume 31Mix 5.36% of portfolio
46/100
Sound7
AlabamaState
Volume 18Mix 3.11% of portfolio
46/100
Sound8
FloridaState
Volume 22Mix 3.81% of portfolio
42/100
Sound9
KentuckyState
Volume 12Mix 2.08% of portfolio
42/100
Sound10
IndianaState
Volume 13Mix 2.25% of portfolio
41/100
SoundShowing 10 of 11 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.