Sirva Mortgage
We analyzed every closed loan from Sirva Mortgage — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
National · 26 mkts
Awards
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
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
Explore another lender or local market
Report Card
Sirva Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+9.6 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 27 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 | 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 |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume1,115
Mix87.7%
Spread
+0.075%Above
Fees
$343Fees
FHA Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughAcceptable
Volume49
Mix3.9%
Spread
+0.729%Above
Fees
$433Fees
VA Loans
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume50
Mix3.9%
Spread
-0.086%Below
Fees
$929Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume57
Mix4.5%
Spread
+0.063%Above
Fees
$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 |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughAcceptable
Volume1,243
Mix97.8%
Spread
+0.096%Above
Fees
$359Fees
Refinance
OverallSound
ProductAcceptable
PricingStrong
Pull ThroughAcceptable
Volume28
Mix2.2%
Spread
+0.129%Above
Fees
$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
markets with activity
States Served
46
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
46Northeast8
CTMEMANHNJNYPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South15
ALARFLGAKYLAMDMSNCOKSCTNTXVAWV
West11
AZCACOHIIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 53Mix 4.17% of portfolio
60/100
Sound
Volume 39Mix 3.07% of portfolio
55/100
Sound
Volume 44Mix 3.46% of portfolio
53/100
Sound
Volume 37Mix 2.91% of portfolio
52/100
Sound
Volume 24Mix 1.89% of portfolio
52/100
Sound
Volume 33Mix 2.60% of portfolio
50/100
Sound
Volume 27Mix 2.12% of portfolio
49/100
Sound
Volume 17Mix 1.34% of portfolio
49/100
Sound
Volume 22Mix 1.73% of portfolio
48/100
Sound
Volume 23Mix 1.81% of portfolio
48/100
SoundShowing 10 of 26 metro areas
Top States by Place Specialization Score
1
TennesseeState
Volume 103Mix 8.10% of portfolio
63/100
Strong2
TexasState
Volume 137Mix 10.78% of portfolio
60/100
Sound3
OregonState
Volume 46Mix 3.62% of portfolio
56/100
Sound4
GeorgiaState
Volume 63Mix 4.96% of portfolio
55/100
Sound5
North CarolinaState
Volume 62Mix 4.88% of portfolio
54/100
Sound6
FloridaState
Volume 82Mix 6.45% of portfolio
54/100
Sound7
OhioState
Volume 53Mix 4.17% of portfolio
53/100
Sound8
IndianaState
Volume 45Mix 3.54% of portfolio
52/100
Sound9
ArizonaState
Volume 42Mix 3.30% of portfolio
52/100
Sound10
MississippiState
Volume 29Mix 2.28% of portfolio
51/100
SoundShowing 10 of 37 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.