We analyzed every closed loan from ServisFirst Bank — 876 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 14 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
ServisFirst Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+16.5 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
676 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
FHA
59 loans · 0.21% above market
Strong
Top 40% of lenders
4/5
VA
45 loans · 0.48% below market
Strong
Top 40% of lenders
4/5
Jumbo
96 loans · 0.26% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
715 loans · 0.16% above market
Strong
Top 40% of lenders
4/5
Refinance
161 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 15 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 676 | 77.2% | +0.178%Above | $1,751Fees | ||||
FHA Loans | 59 | 6.7% | +0.206%Above | $1,640Fees | ||||
VA Loans | 45 | 5.1% | -0.477%Below | $612Fees | ||||
Jumbo Loans | 96 | 11.0% | +0.257%Above | $1,255Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume676
Mix77.2%
Spread
+0.178%Above
Fees
$1,751Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume59
Mix6.7%
Spread
+0.206%Above
Fees
$1,640Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume45
Mix5.1%
Spread
-0.477%Below
Fees
$612Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume96
Mix11.0%
Spread
+0.257%Above
Fees
$1,255Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 715 | 81.6% | +0.162%Above | $1,604Fees | ||||
Refinance | 161 | 18.4% | +0.186%Above | $1,958Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume715
Mix81.6%
Spread
+0.162%Above
Fees
$1,604Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume161
Mix18.4%
Spread
+0.186%Above
Fees
$1,958Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
876
Applications
1,095
Volume
$398 million
Pricing & Closing
Avg Rate Spread
+0.165%
vs. market APOR
Avg Net Fees
$1,657
Origination − Credits
Pullthrough Rate
80.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$454,703
Avg Borrower Income
$254,822
Avg Property Value
$601,678
Geographic Coverage
Geographic Performance
Metro Areas
14
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13Full-year 2024 · HMDALoans originated
< 100100–200200+None
Midwest1
NE
South11
ALFLGAKYLAMSNCSCTNTXVA
West1
CA
Top Metro Areas by Place Specialization Score
Showing 10 of 14 metro areas
Top States by Place Specialization Score
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.