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We analyzed every closed loan from Sirva Mortgage — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Exceptional
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo
Place
Sound
National · 26 mkts
Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar
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Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
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Report Card
Sirva Mortgage, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Market Leader +9.6 bps above market avg | |
Pull Through Closing strength | Industry Standard Top 60% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Industry Standard Top 60% of lenders | |
VA | Industry Standard Top 60% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Near industry average Bottom 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders National27 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,115 | 87.7% | +0.075%Above | $343Fees | ||||
FHA Loans | 49 | 3.9% | +0.729%Above | $433Fees | ||||
VA Loans | 50 | 3.9% | -0.086%Below | $929Fees | ||||
Jumbo Loans | 57 | 4.5% | +0.063%Above | $398Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,243 | 97.8% | +0.096%Above | $359Fees | ||||
Refinance | 28 | 2.2% | +0.129%Above | $665Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,271
Applications
1,839
Volume
$554 million
Pricing & Closing
Avg Rate Spread
+0.096%
vs. market APOR
Avg Net Fees
$366
Origination − Credits
Pullthrough Rate
69.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$436,054
Avg Borrower Income
$202,649
Avg Property Value
$631,987
Geographic Coverage
Geographic Performance
Metro Areas
26
States Served
46
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOCTFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Nashville, TNMSA
Volume: 53Mix: 4.17%of portfolio
Place
Sound2
Portland, OR-WAMSA
Volume: 39Mix: 3.07%of portfolio
Place
Sound3
Houston, TXMSA
Volume: 44Mix: 3.46%of portfolio
Place
Sound4
Dallas, TXMSA
Volume: 37Mix: 2.91%of portfolio
Place
Sound5
Albuquerque, NM, NMMSA
Volume: 24Mix: 1.89%of portfolio
Place
Sound6
Phoenix, AZMSA
Volume: 33Mix: 2.60%of portfolio
Place
Sound7
Minneapolis, MN-WIMSA
Volume: 27Mix: 2.12%of portfolio
Place
Sound8
Chattanooga, TN, TN-GAMSA
Volume: 17Mix: 1.34%of portfolio
Place
Sound9
Kansas City, MO, MO-KSMSA
Volume: 22Mix: 1.73%of portfolio
Place
Sound10
Denver, COMSA
Volume: 23Mix: 1.81%of portfolio
Place
SoundShowing 10 of 26 metro areas
Top States by Place Specialization Score
1
TNState
Volume: 103Mix: 8.10%of portfolio
Place
Strong2
TXState
Volume: 137Mix: 10.78%of portfolio
Place
Sound3
ORState
Volume: 46Mix: 3.62%of portfolio
Place
Sound4
GAState
Volume: 63Mix: 4.96%of portfolio
Place
Sound5
NCState
Volume: 62Mix: 4.88%of portfolio
Place
Sound6
FLState
Volume: 82Mix: 6.45%of portfolio
Place
Sound7
OHState
Volume: 53Mix: 4.17%of portfolio
Place
Sound8
INState
Volume: 45Mix: 3.54%of portfolio
Place
Sound9
AZState
Volume: 42Mix: 3.30%of portfolio
Place
Sound10
MSState
Volume: 29Mix: 2.28%of portfolio
Place
SoundShowing 10 of 37 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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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.