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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
190 loans · 0.36% above market
Sound
Top 60% of lenders
3/5
FHA
306 loans · 0.60% above market
Strong
Top 40% of lenders
4/5
VA
62 loans · 0.30% below market
Strong
Top 40% of lenders
4/5
USDA
17 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
354 loans · 0.42% above market
Sound
Top 60% of lenders
3/5
Refinance
224 loans · 0.12% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 12 markets
Sound
Top 60% of lenders
3/5
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
12Full-year 2024 · HMDALoans originated
< 1010–2020–100100+None
Midwest1
IN
South7
ALFLGAKYNCTNVA
West4
CACONVOR
Top Metro Areas by Place Specialization Score
Showing 10 of 11 metro areas
Top States by Place Specialization Score
Showing 10 of 11 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.