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Servis One, Inc.

Independent Mortgage CompanyWILMINGTON, DEDirect to Consumer

Servis One has 20 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Exceptional
vs. all lenders
Pull Through
Acceptable
closing strength
Products
Mediocre
Conventional
Place
Active
Multi-Region

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Safe Rate's Summary

What They Do Well

  • Offers rates 15.90 basis points below market average
  • Lower than average lender fees

Things to Think About

  • Pull through efficiency is below industry average

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Report Card

Servis One, Inc. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Market Leader
Rates 15.9 bps below market avg
Pull Through
Closing strength
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Mediocre
Below peers
Bottom 20% of lenders
By Loan Purpose· Transaction purpose mix
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
N/A
No peer data
Multi-Regional15 states

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Mediocre
Mediocre
Acceptable
1890.0%
-0.113%Below
$293Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Refinance
Mediocre
Acceptable
Mediocre
1260.0%
-0.186%Below
$155Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
20
Applications
51
Volume
$4 million
Pricing & Closing
Avg Rate Spread
-0.159%
vs. market APOR
Avg Net Fees
$200
Origination − Credits
Pullthrough Rate
39.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$238,000
Avg Borrower Income
$138,000
Avg Property Value
$490,500

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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.