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
Promptness
Not enough data
—/5
No quote responses measured yet
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
5/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
1,115 loans · 0.07% above market
Strong
Top 40% of lenders
4/5
FHA
49 loans · 0.73% above market
Sound
Top 60% of lenders
3/5
VA
50 loans · 0.09% below market
Sound
Top 60% of lenders
3/5
Jumbo
57 loans · 0.06% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,243 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
Refinance
28 loans · 0.13% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
National · 27 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 | 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
46Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast8
CTMEMANHNJNYPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South15
ALARFLGAKYLAMDMSNCOKSCTNTXVAWV
West11
AZCACOHIIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 26 metro areas
Top States by Place Specialization Score
Showing 10 of 37 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.