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Servis One

Independent Mortgage CompanyWilmington, DEHQDirectReviews near you on Google

Servis One has 20 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Mediocre
1/5
Conventional
Place
Active
Multi-Region

Safe Rate 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 performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 15.9 bps below market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Mediocre
Bottom 20% of lenders
By Loan Purpose· Transaction purpose mix
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 15 states
No peer data

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Mediocre
Product
Mediocre
Pricing
Pull Through
Acceptable
Volume18
Mix90.0%
Spread
-0.113%Below
Fees
$293Fees

Loan Purpose Performance

Performance by Loan Purpose

Refinance
Overall
Mediocre
Product
Acceptable
Pricing
Pull Through
Mediocre
Volume12
Mix60.0%
Spread
-0.186%Below
Fees
$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 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.