Servion Mortgage Rates, Fees & Info

St. Paul, MN

LEI: 549300DRA4BDXW23LD45

Tax ID: 41-1592297

5 stars - out of 5 stars, based on 80 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Servion is a small mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. Servion has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Minneapolis, La Crosse, Duluth, Watertown, and Billings among others. We have data for 312 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Servion has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Servion is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.62% 1/29/23
    30 Year Conventional Refi 6.52% 1/29/23
    30 Year Cash-out Refi 6.70% 1/29/23
    30 Year FHA Purchase 7.33% 1/29/23
    30 Year FHA Refi 7.20% 1/29/23
    30 Year VA Purchase 6.21% 1/29/23
    30 Year VA Refi 6.11% 1/29/23
    30 Year USDA Purchase 6.66% 1/29/23
    30 Year USDA Refi 6.22% 1/29/23
    15 Year Conventional Purchase 6.08% 1/29/23
    15 Year Conventional Refi 5.94% 1/29/23
    15 Year Cash-out Refi 5.94% 1/29/23
    15 Year FHA Purchase 7.60% 1/29/23
    15 Year FHA Refi 7.09% 1/29/23
    15 Year VA Purchase 6.19% 1/29/23
    15 Year VA Refi 5.62% 1/29/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    6,457

    Origination Dollar Volume (All Markets)

    $1,260,115,000
    Show all (33) awards

    Relative Rate

    Servion's average 30 year fixed mortgage rate was 3.06%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.09%.

    Relative Fees (Closing Costs)

    Servion's average total fees/closing costs for a 30 year fixed rate mortgage were $4,182.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1,369 $315,875,000 $230,734 $4,300 2.88%
    Outside of Metro Areas 878 $141,590,000 $161,264 $3,692 2.89%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 365 $71,805,000 $196,726 $1,816 2.76%
    DULUTH, MN-WI (FHA|USDA|VA) 422 $68,640,000 $162,654 $4,225 2.92%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 270 $47,350,000 $175,370 $1,668 2.85%
    BILLINGS, MT (FHA|USDA|VA) 180 $43,590,000 $242,167 $5,674 2.85%
    ROCHESTER, MN (FHA|USDA|VA) 179 $37,415,000 $209,022 $4,146 2.77%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 165 $37,215,000 $225,545 $4,172 2.98%
    ST. CLOUD, MN (FHA|USDA|VA) 199 $36,605,000 $183,945 $3,546 2.98%
    SPRINGFIELD, MO (FHA|USDA|VA) 95 $19,665,000 $207,000 $3,757 3.04%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 92 $19,220,000 $208,913 $2,224 2.87%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 72 $16,720,000 $232,222 $3,915 2.89%
    Brainerd, MN (FHA|USDA|VA) 83 $15,015,000 $180,904 $5,373 2.87%
    TULSA, OK (FHA|USDA|VA) 87 $14,525,000 $166,954 $4,243 3.02%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 61 $13,815,000 $226,475 $3,911 2.70%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 76 $13,530,000 $178,026 $4,001 2.85%
    Manitowoc, WI (FHA|USDA|VA) 81 $11,455,000 $141,420 $2,206 2.84%
    SHEBOYGAN, WI (FHA|USDA|VA) 72 $10,310,000 $143,194 $2,162 2.64%
    Red Wing, MN (FHA|USDA|VA) 44 $9,130,000 $207,500 $4,926 2.86%
    Willmar, MN (FHA|USDA|VA) 56 $9,000,000 $160,714 $4,386 2.95%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 31 $8,855,000 $285,645 $4,477 2.72%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 42 $8,730,000 $207,857 $5,157 3.20%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 25 $7,885,000 $315,400 $3,638 2.76%
    Dickinson, ND (FHA|USDA|VA) 34 $7,580,000 $222,941 $4,863 2.98%
    Branson, MO (FHA|USDA|VA) 44 $7,120,000 $161,818 $2,743 2.85%
    Whitewater, WI (FHA|USDA|VA) 31 $6,295,000 $203,065 $1,557 2.77%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 33 $6,265,000 $189,848 $2,096 2.82%
    IOWA CITY, IA (FHA|USDA|VA) 21 $5,535,000 $263,571 $5,250 2.56%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 21 $5,445,000 $259,286 $5,234 3.17%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 13 $5,365,000 $412,692 $3,954 2.97%
    Bemidji, MN (FHA|USDA|VA) 26 $5,090,000 $195,769 $3,784 2.78%
    MADISON, WI (FHA|USDA|VA) 21 $5,035,000 $239,762 $3,571 2.88%
    LIMA, OH (FHA|USDA|VA) 33 $4,905,000 $148,636 $4,901 3.28%
    RAPID CITY, SD (FHA|USDA|VA) 18 $4,850,000 $269,444 $5,978 2.74%
    Hutchinson, MN (FHA|USDA|VA) 24 $4,620,000 $192,500 $4,341 3.01%
    Shelton, WA (FHA|USDA|VA) 21 $4,225,000 $201,190 $5,141 3.07%
    BLOOMINGTON, IL (FHA|USDA|VA) 31 $4,145,000 $133,710 $1,833 2.60%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 25 $4,135,000 $165,400 $2,797 2.84%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 24 $4,120,000 $171,667 $4,491 3.01%
    JOPLIN, MO (FHA|USDA|VA) 23 $3,945,000 $171,522 $3,272 2.79%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 21 $3,595,000 $171,190 $2,926 3.15%
    Georgetown, SC (FHA|USDA|VA) 22 $3,480,000 $158,182 $4,796 3.22%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 26 $3,430,000 $131,923 $4,060 3.10%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 19 $3,355,000 $176,579 $4,260 2.80%
    Grand Rapids, MN (FHA|USDA|VA) 19 $3,315,000 $174,474 $3,376 2.95%
    HARRISONBURG, VA (FHA|USDA|VA) 13 $3,145,000 $241,923 $2,868 3.01%
    DUBUQUE, IA (FHA|USDA|VA) 17 $3,105,000 $182,647 $4,944 2.77%
    COLUMBIA, SC (FHA|USDA|VA) 20 $2,950,000 $147,500 $4,615 2.93%
    Beaver Dam, WI (FHA|USDA|VA) 17 $2,755,000 $162,059 $1,821 2.74%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 17 $2,725,000 $160,294 $4,167 3.13%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 18 $2,710,000 $150,556 $5,344 3.14%
    EAU CLAIRE, WI (FHA|USDA|VA) 12 $2,640,000 $220,000 $4,127 2.99%
    Aberdeen, WA (FHA|USDA|VA) 13 $2,615,000 $201,154 $4,767 3.19%
    Alexandria, MN (FHA|USDA|VA) 14 $2,570,000 $183,571 $5,661 2.96%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 17 $2,445,000 $143,824 $3,880 3.38%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 10 $2,440,000 $244,000 $3,651 3.29%
    Augusta-Waterville, ME (FHA|USDA|VA) 9 $2,315,000 $257,222 $2,830 2.67%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 12 $2,280,000 $190,000 $3,899 2.78%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 14 $2,240,000 $160,000 $5,410 3.10%
    BELLINGHAM, WA (FHA|USDA|VA) 8 $2,210,000 $276,250 $4,401 3.22%
    Marion, IN (FHA|USDA|VA) 24 $2,180,000 $90,833 $2,990 3.12%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 8 $2,130,000 $266,250 $4,135 2.91%
    Worthington, MN (FHA|USDA|VA) 13 $2,095,000 $161,154 $4,114 2.81%
    FARGO, ND-MN (FHA|USDA|VA) 9 $2,015,000 $223,889 $5,808 3.04%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 9 $2,005,000 $222,778 $3,453 2.85%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 8 $1,990,000 $248,750 $4,978 3.06%
    LONGVIEW, WA (FHA|USDA|VA) 8 $1,960,000 $245,000 $6,273 3.41%
    Winona, MN (FHA|USDA|VA) 9 $1,895,000 $210,556 $3,692 2.71%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 7 $1,875,000 $267,857 $6,110 2.86%
    BAY CITY, MI (FHA|USDA|VA) 17 $1,845,000 $108,529 $2,217 3.04%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 14 $1,810,000 $129,286 $4,633 3.31%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 13 $1,775,000 $136,538 $2,913 2.87%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $1,640,000 $410,000 $4,521 3.00%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 8 $1,630,000 $203,750 $4,975 3.05%
    Ottawa, IL (FHA|USDA|VA) 10 $1,610,000 $161,000 $4,778 2.90%
    Owatonna, MN (FHA|USDA|VA) 8 $1,590,000 $198,750 $3,939 2.89%
    FOND DU LAC, WI (FHA|USDA|VA) 12 $1,550,000 $129,167 $3,660 3.35%
    Menomonie, WI (FHA|USDA|VA) 8 $1,460,000 $182,500 $4,950 2.88%
    Wapakoneta, OH (FHA|USDA|VA) 10 $1,440,000 $144,000 $4,710 3.19%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 5 $1,385,000 $277,000 $5,627 2.95%
    Galesburg, IL (FHA|USDA|VA) 15 $1,365,000 $91,000 $3,575 3.07%
    APPLETON, WI (FHA|USDA|VA) 7 $1,345,000 $192,143 $2,105 2.95%
    Brookings, SD (FHA|USDA|VA) 5 $1,325,000 $265,000 $6,879 2.70%
    Baraboo, WI (FHA|USDA|VA) 6 $1,320,000 $220,000 $2,873 2.79%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 10 $1,320,000 $132,000 $5,630 3.15%
    Stevens Point, WI (FHA|USDA|VA) 6 $1,260,000 $210,000 $2,287 2.94%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 5 $1,245,000 $249,000 $4,791 2.55%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 7 $1,235,000 $176,429 $4,172 3.27%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 5 $1,205,000 $241,000 $4,337 3.00%
    Port Angeles, WA (FHA|USDA|VA) 6 $1,190,000 $198,333 $3,893 3.08%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $1,185,000 $395,000 $4,348 2.88%
    BISMARCK, ND (FHA|USDA|VA) 6 $1,160,000 $193,333 $5,778 3.15%
    ROCKFORD, IL (FHA|USDA|VA) 8 $1,140,000 $142,500 $3,382 2.63%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 7 $1,135,000 $162,143 $5,703 2.80%
    NILES, MI (FHA|USDA|VA) 3 $1,105,000 $368,333 $4,924 3.00%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $1,095,000 $365,000 $4,793 3.00%
    Harrison, AR (FHA|USDA|VA) 10 $1,090,000 $109,000 $2,768 3.04%
    Fergus Falls, MN (FHA|USDA|VA) 6 $1,090,000 $181,667 $5,623 2.79%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $1,080,000 $270,000 $2,655 3.34%
    COLUMBUS, OH (FHA|USDA|VA) 4 $1,080,000 $270,000 $5,919 2.78%
    Austin, MN (FHA|USDA|VA) 7 $1,055,000 $150,714 $3,897 2.96%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $1,030,000 $257,500 $5,212 2.72%
    AMES, IA (FHA|USDA|VA) 5 $1,005,000 $201,000 $4,376 3.25%
    Hannibal, MO (FHA|USDA|VA) 9 $985,000 $109,444 $2,699 2.94%
    PEORIA, IL (FHA|USDA|VA) 6 $940,000 $156,667 $2,555 2.69%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 5 $925,000 $185,000 $3,624 3.13%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 6 $920,000 $153,333 $4,206 3.15%
    Mason City, IA (FHA|USDA|VA) 7 $915,000 $130,714 $3,820 2.84%
    Mountain Home, AR (FHA|USDA|VA) 9 $905,000 $100,556 $2,312 3.19%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $905,000 $181,000 $4,808 3.05%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 4 $880,000 $220,000 $5,535 2.78%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 3 $875,000 $291,667 $6,874 3.25%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 3 $835,000 $278,333 $4,245 2.58%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $825,000 $275,000 $4,088 3.08%
    TOLEDO, OH (FHA|USDA|VA) 6 $820,000 $136,667 $5,237 3.21%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $815,000 $271,667 $5,397 3.21%
    Butte-Silver Bow, MT (FHA|USDA|VA) 2 $810,000 $405,000 $8,275 2.88%
    VALLEJO, CA (FHA|USDA|VA) 2 $800,000 $400,000 $3,847 3.13%
    HOT SPRINGS, AR (FHA|USDA|VA) 6 $800,000 $133,333 $3,435 3.06%
    Bozeman, MT (FHA|USDA|VA) 2 $770,000 $385,000 $6,740 3.19%
    AMARILLO, TX (FHA|USDA|VA) 4 $740,000 $185,000 $5,043 3.50%
    New Ulm, MN (FHA|USDA|VA) 5 $735,000 $147,000 $6,036 2.85%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $735,000 $245,000 $4,889 2.46%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 5 $705,000 $141,000 $4,915 2.85%
    Eureka-Arcata, CA (FHA|USDA|VA) 2 $700,000 $350,000 $3,973 2.88%
    Outside of Metro Areas 2 $690,000 $345,000 $6,199 2.94%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $660,000 $330,000 $4,573 2.75%
    Bartlesville, OK (FHA|USDA|VA) 4 $660,000 $165,000 $6,765 2.78%
    Rolla, MO (FHA|USDA|VA) 4 $640,000 $160,000 $3,503 3.03%
    NAPA, CA (FHA|USDA|VA) 1 $635,000 $635,000 $5,994 3.00%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $635,000 $211,667 $3,298 2.92%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $630,000 $315,000 $5,679 2.81%
    Arkadelphia, AR (FHA|USDA|VA) 4 $620,000 $155,000 $3,269 3.09%
    Wahpeton, ND-MN (FHA|USDA|VA) 4 $620,000 $155,000 $4,592 3.22%
    MANKATO, MN (FHA|USDA|VA) 3 $615,000 $205,000 $5,100 2.79%
    CHICO, CA (FHA|USDA|VA) 2 $610,000 $305,000 $4,656 3.00%
    STAUNTON, VA (FHA|USDA|VA) 2 $610,000 $305,000 $3,029 3.00%
    BATON ROUGE, LA (FHA|USDA|VA) 2 $600,000 $300,000 $6,172 2.81%
    RACINE, WI (FHA|USDA|VA) 2 $590,000 $295,000 $5,248 3.06%
    AKRON, OH (FHA|USDA|VA) 2 $580,000 $290,000 $5,941 2.38%
    GREEN BAY, WI (FHA|USDA|VA) 3 $555,000 $185,000 $2,957 2.96%
    Clinton, IA (FHA|USDA|VA) 3 $545,000 $181,667 $4,113 2.92%
    Muscatine, IA (FHA|USDA|VA) 3 $545,000 $181,667 $3,940 2.50%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $545,000 $545,000 $3,166 3.13%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $545,000 $545,000 $8,741 2.88%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $545,000 $545,000 $5,709 2.63%
    FRESNO, CA (FHA|USDA|VA) 1 $535,000 $535,000 $4,210 2.88%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $530,000 $265,000 $5,438 2.94%
    LAWRENCE, KS (FHA|USDA|VA) 3 $525,000 $175,000 $4,215 2.79%
    ALBUQUERQUE, NM (FHA|USDA|VA) 4 $520,000 $130,000 $3,121 3.09%
    Fort Dodge, IA (FHA|USDA|VA) 3 $515,000 $171,667 $3,782 3.25%
    McAlester, OK (FHA|USDA|VA) 3 $505,000 $168,333 $6,105 3.29%
    GREELEY, CO (FHA|USDA|VA) 1 $505,000 $505,000 $4,058 2.75%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $505,000 $505,000 $5,433 2.88%
    Pella, IA (FHA|USDA|VA) 2 $500,000 $250,000 $1,828 2.44%
    Shawnee, OK (FHA|USDA|VA) 4 $490,000 $122,500 $3,816 2.81%
    Marshall, MO (FHA|USDA|VA) 4 $490,000 $122,500 $2,683 2.63%
    Fremont, OH (FHA|USDA|VA) 3 $485,000 $161,667 $5,334 3.08%
    Steamboat Springs, CO (FHA|USDA|VA) 2 $480,000 $240,000 $2,885 2.63%
    Faribault-Northfield, MN (FHA|USDA|VA) 3 $475,000 $158,333 $4,849 2.75%
    Fairmont, MN (FHA|USDA|VA) 3 $475,000 $158,333 $3,570 2.58%
    Iron Mountain, MI-WI (FHA|USDA|VA) 5 $475,000 $95,000 $4,001 2.75%
    FORT WAYNE, IN (FHA|USDA|VA) 3 $455,000 $151,667 $4,337 2.79%
    Spearfish, SD (FHA|USDA|VA) 1 $455,000 $455,000 $8,268 3.00%
    Watertown, SD (FHA|USDA|VA) 2 $450,000 $225,000 $7,073 3.00%
    Lufkin, TX (FHA|USDA|VA) 2 $450,000 $225,000 $5,672 3.25%
    KNOXVILLE, TN (FHA|USDA|VA) 2 $450,000 $225,000 $7,734 3.19%
    Celina, OH (FHA|USDA|VA) 2 $450,000 $225,000 $5,899 3.19%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $445,000 $445,000 $2,967 2.88%
    Seneca, SC (FHA|USDA|VA) 2 $430,000 $215,000 $5,749 2.88%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 4 $430,000 $107,500 $3,346 3.03%
    Moses Lake, WA (FHA|USDA|VA) 1 $425,000 $425,000 $7,007 2.50%
    Huron, SD (FHA|USDA|VA) 2 $420,000 $210,000 $8,371 3.38%
    SIOUX FALLS, SD (FHA|USDA|VA) 3 $415,000 $138,333 $4,424 2.67%
    Point Pleasant, WV-OH (FHA|USDA|VA) 1 $405,000 $405,000 $6,812 2.88%
    Duncan, OK (FHA|USDA|VA) 5 $405,000 $81,000 $3,878 3.88%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $400,000 $200,000 $3,401 3.13%
    Albert Lea, MN (FHA|USDA|VA) 1 $395,000 $395,000 $4,325 2.88%
    Mexico, MO (FHA|USDA|VA) 3 $395,000 $131,667 $3,178 3.13%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $395,000 $395,000 $3,858 3.00%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $380,000 $190,000 $2,933 2.88%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $375,000 $125,000 $3,334 3.04%
    Pontiac, IL (FHA|USDA|VA) 3 $375,000 $125,000 $5,120 3.13%
    JEFFERSON CITY, MO (FHA|USDA|VA) 2 $370,000 $185,000 $2,630 3.19%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $360,000 $180,000 $5,551 3.19%
    KOKOMO, IN (FHA|USDA|VA) 4 $360,000 $90,000 $3,138 2.72%
    MODESTO, CA (FHA|USDA|VA) 1 $355,000 $355,000 $4,279 3.00%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $350,000 $175,000 $5,661 3.50%
    Athens, TX (FHA|USDA|VA) 2 $350,000 $175,000 $5,043 3.31%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $345,000 $345,000 $0 3.88%
    KANKAKEE, IL (FHA|USDA|VA) 2 $340,000 $170,000 $4,206 2.94%
    Greenwood, SC (FHA|USDA|VA) 2 $340,000 $170,000 $5,690 3.06%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $335,000 $335,000 $5,905 2.38%
    HATTIESBURG, MS (FHA|USDA|VA) 1 $335,000 $335,000 $3,685 2.75%
    JACKSON, TN (FHA|USDA|VA) 2 $330,000 $165,000 $4,606 3.38%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $330,000 $165,000 $2,230 3.06%
    Torrington, CT (FHA|USDA|VA) 1 $325,000 $325,000 $6,240 3.50%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $315,000 $105,000 $3,604 2.92%
    Stillwater, OK (FHA|USDA|VA) 2 $310,000 $155,000 $5,330 3.19%
    DANVILLE, IL (FHA|USDA|VA) 2 $310,000 $155,000 $6,791 3.38%
    Richmond, IN (FHA|USDA|VA) 1 $305,000 $305,000 $1,834 2.75%
    Fernley, NV (FHA|USDA|VA) 1 $305,000 $305,000 $4,103 2.88%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $295,000 $295,000 $2,357 2.88%
    TUCSON, AZ (FHA|USDA|VA) 1 $295,000 $295,000 $3,375 3.13%
    Pullman, WA (FHA|USDA|VA) 1 $295,000 $295,000 $4,551 3.38%
    Russellville, AR (FHA|USDA|VA) 3 $295,000 $98,333 $2,406 3.33%
    Frankfort, IN (FHA|USDA|VA) 2 $290,000 $145,000 $4,640 3.13%
    SAGINAW, MI (FHA|USDA|VA) 2 $290,000 $145,000 $2,210 2.88%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $285,000 $285,000 $7,187 2.63%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 2 $280,000 $140,000 $5,824 3.19%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $275,000 $275,000 $12,085 2.63%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $275,000 $275,000 $4,085 2.88%
    SPARTANBURG, SC (FHA|USDA|VA) 2 $270,000 $135,000 $4,943 2.88%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $265,000 $265,000 $4,478 2.75%
    Williston, ND (FHA|USDA|VA) 1 $265,000 $265,000 $5,768 2.88%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $265,000 $265,000 $2,857 3.25%
    Marshalltown, IA (FHA|USDA|VA) 2 $260,000 $130,000 $3,375 2.69%
    WINSTON-SALEM, NC (FHA|USDA|VA) 2 $260,000 $130,000 $3,410 2.94%
    SPRINGFIELD, IL (FHA|USDA|VA) 2 $260,000 $130,000 $5,955 3.38%
    Zanesville, OH (FHA|USDA|VA) 2 $260,000 $130,000 $4,330 2.94%
    Jacksonville, TX (FHA|USDA|VA) 1 $255,000 $255,000 $6,382 3.13%
    REDDING, CA (FHA|USDA|VA) 1 $255,000 $255,000 $3,030 3.38%
    Key West, FL (FHA|USDA|VA) 1 $255,000 $255,000 $5,538 3.63%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $245,000 $245,000 $5,932 2.75%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $245,000 $245,000 $3,304 2.75%
    MERCED, CA (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.63%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $245,000 $245,000 $4,292 2.50%
    MORGANTOWN, WV (FHA|USDA|VA) 2 $240,000 $120,000 $3,174 3.13%
    Sault Ste. Marie, MI (FHA|USDA|VA) 2 $240,000 $120,000 $3,641 3.31%
    Platteville, WI (FHA|USDA|VA) 2 $240,000 $120,000 $2,948 3.19%
    Waycross, GA (FHA|USDA|VA) 1 $235,000 $235,000 $7,839 2.88%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $235,000 $235,000 $4,711 3.88%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $235,000 $235,000 $7,311 3.38%
    Sidney, OH (FHA|USDA|VA) 2 $230,000 $115,000 $5,035 3.06%
    WICHITA FALLS, TX (FHA|USDA|VA) 2 $230,000 $115,000 $3,476 2.88%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $225,000 $225,000 $2,481 3.50%
    MEDFORD, OR (FHA|USDA|VA) 1 $225,000 $225,000 $6,306 2.88%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $225,000 $225,000 $7,999 2.75%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,272 2.88%
    Minot, ND (FHA|USDA|VA) 1 $215,000 $215,000 $4,053 3.25%
    Escanaba, MI (FHA|USDA|VA) 2 $210,000 $105,000 $5,447 2.94%
    MADERA, CA (FHA|USDA|VA) 1 $205,000 $205,000 $2,885 3.13%
    Helena, MT (FHA|USDA|VA) 1 $205,000 $205,000 $2,828 3.38%
    VISALIA, CA (FHA|USDA|VA) 1 $195,000 $195,000 $2,235 3.38%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $195,000 $195,000 $2,875 2.75%
    Quincy, IL-MO (FHA|USDA|VA) 1 $195,000 $195,000 $2,010 2.88%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $195,000 $195,000 $2,060 3.13%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $195,000 $195,000 $3,532 2.50%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $195,000 $195,000 $3,025 3.25%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $195,000 $195,000 $8,392 2.75%
    GREAT FALLS, MT (FHA|USDA|VA) 1 $195,000 $195,000 $6,198 3.63%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $195,000 $195,000 $6,341 2.75%
    COLUMBIA, MO (FHA|USDA|VA) 2 $190,000 $95,000 $3,200 2.94%
    Laurel, MS (FHA|USDA|VA) 1 $185,000 $185,000 $4,176 3.38%
    Gillette, WY (FHA|USDA|VA) 1 $185,000 $185,000 $5,669 2.38%
    Sturgis, MI (FHA|USDA|VA) 1 $185,000 $185,000 $3,664 3.00%
    Mitchell, SD (FHA|USDA|VA) 1 $185,000 $185,000 $10,053 2.75%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $185,000 $185,000 $6,723 3.13%
    WICHITA, KS (FHA|USDA|VA) 1 $185,000 $185,000 $2,449 2.38%
    Kirksville, MO (FHA|USDA|VA) 2 $180,000 $90,000 $3,575 2.75%
    Lincoln, IL (FHA|USDA|VA) 2 $180,000 $90,000 $1,954 2.63%
    Malvern, AR (FHA|USDA|VA) 1 $175,000 $175,000 $2,062 2.75%
    Van Wert, OH (FHA|USDA|VA) 1 $175,000 $175,000 $5,748 3.00%
    Norfolk, NE (FHA|USDA|VA) 1 $175,000 $175,000 $1,798 2.50%
    Sedalia, MO (FHA|USDA|VA) 1 $175,000 $175,000 $3,638 2.75%
    Frankfort, KY (FHA|USDA|VA) 1 $175,000 $175,000 $6,580 2.50%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $165,000 $165,000 $1,936 3.38%
    Newport, OR (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.50%
    LINCOLN, NE (FHA|USDA|VA) 1 $165,000 $165,000 $2,798 3.00%
    BANGOR, ME (FHA|USDA|VA) 1 $155,000 $155,000 $4,557 2.75%
    Kalispell, MT (FHA|USDA|VA) 1 $155,000 $155,000 $4,785 2.88%
    Muskogee, OK (FHA|USDA|VA) 1 $155,000 $155,000 $4,229 3.13%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $155,000 $155,000 $4,965 3.25%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $155,000 $155,000 $4,333 2.63%
    MONROE, MI (FHA|USDA|VA) 1 $145,000 $145,000 $6,598 2.88%
    Cadillac, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,947 3.00%
    Beatrice, NE (FHA|USDA|VA) 1 $145,000 $145,000 $4,569 2.63%
    Glasgow, KY (FHA|USDA|VA) 1 $145,000 $145,000 $5,517 3.50%
    West Plains, MO (FHA|USDA|VA) 1 $145,000 $145,000 $3,762 3.38%
    MUNCIE, IN (FHA|USDA|VA) 2 $140,000 $70,000 $3,074 2.94%
    Searcy, AR (FHA|USDA|VA) 2 $140,000 $70,000 $2,657 3.13%
    Andrews, TX (FHA|USDA|VA) 1 $135,000 $135,000 $3,438 2.00%
    Pampa, TX (FHA|USDA|VA) 1 $135,000 $135,000 $5,392 3.25%
    Astoria, OR (FHA|USDA|VA) 1 $135,000 $135,000 $0 2.63%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $135,000 $135,000 $2,308 3.38%
    Hope, AR (FHA|USDA|VA) 1 $125,000 $125,000 $2,404 3.88%
    Spencer, IA (FHA|USDA|VA) 1 $125,000 $125,000 $2,695 3.25%
    Logansport, IN (FHA|USDA|VA) 1 $125,000 $125,000 $3,480 3.38%
    Sterling, CO (FHA|USDA|VA) 1 $115,000 $115,000 $3,445 3.63%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $115,000 $115,000 $3,587 3.00%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $115,000 $115,000 $2,573 3.25%
    Warsaw, IN (FHA|USDA|VA) 1 $115,000 $115,000 $3,187 3.00%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $115,000 $115,000 $3,542 3.63%
    Mayfield, KY (FHA|USDA|VA) 1 $115,000 $115,000 $2,612 3.38%
    Marshall, MN (FHA|USDA|VA) 1 $115,000 $115,000 $3,322 2.75%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $105,000 $105,000 $1,614 2.88%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $105,000 $105,000 $2,780 2.50%
    Shelbyville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $3,188 2.63%
    WILLIAMSPORT, PA (FHA|USDA|VA) 1 $105,000 $105,000 $5,704 2.75%
    MIDLAND, MI (FHA|USDA|VA) 1 $95,000 $95,000 $2,324 3.13%
    Crawfordsville, IN (FHA|USDA|VA) 1 $95,000 $95,000 $3,251 3.63%
    Woodward, OK (FHA|USDA|VA) 1 $95,000 $95,000 $4,427 3.00%
    Lebanon, MO (FHA|USDA|VA) 1 $95,000 $95,000 $3,503 3.00%
    Raymondville, TX (FHA|USDA|VA) 1 $95,000 $95,000 $4,509 3.38%
    Ardmore, OK (FHA|USDA|VA) 1 $85,000 $85,000 $4,050 3.38%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $85,000 $85,000 $3,577 4.63%
    Peru, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,975 3.38%
    Burlington, IA-IL (FHA|USDA|VA) 1 $75,000 $75,000 $2,960 2.75%
    SUMTER, SC (FHA|USDA|VA) 1 $55,000 $55,000 $2,689 2.25%
    Marinette, WI-MI (FHA|USDA|VA) 1 $55,000 $55,000 $2,745 3.75%
    Starkville, MS (FHA|USDA|VA) 1 $45,000 $45,000 $2,246 3.50%
    Sterling, IL (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.38%
    Servion's top markets include Minneapolis, La Crosse, Duluth, Watertown, and Billings among others.

    Their top states include:
  • Minnesota (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)

    • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,421 $1,057,515,000 $195,077 $3,476 2.91%
    FHA 522 $91,330,000 $174,962 $6,316 2.96%
    VA 396 $93,670,000 $236,540 $4,978 2.76%
    USDA 118 $17,600,000 $149,153 $4,830 2.78%

    For 2021, Servion's most frequently originated type of loan was Conventional, with 5,421 originations. Their 2nd most popular type was FHA, with 522 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,540 $523,340,000 $206,039 $4,571 2.97%
    Refi 2,092 $385,710,000 $184,374 $2,984 2.75%
    Cash Out Refi 1,825 $351,065,000 $192,364 $3,765 2.97%

    For 2021, Servion's most frequently cited loan purpose was Home Purchase, with 2,540 originations. The 2nd most popular reason was Refi, with 2,092 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,305 $901,925,000 $209,506 $4,182 3.06%
    15 Year 1,311 $212,715,000 $162,254 $3,038 2.47%
    20 Year 582 $107,240,000 $184,261 $3,295 2.84%
    10 Year 185 $24,625,000 $133,108 $2,747 2.33%
    Other 74 $13,610,000 $183,919 $4,376 3.09%

    For 2021, Servion's most frequently cited loan duration was 30 Year, with 4,305 originations. The 2nd most popular length was 15 Year, with 1,311 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,456 $466,320,000 $189,870
    $1k-2k 1,593 $249,335,000 $156,519
    $2k-3k 1,409 $265,665,000 $188,549
    $3k-4k 591 $160,585,000 $271,717
    $4k-5k 182 $60,390,000 $331,813
    $5k+ 97 $36,785,000 $379,227

    Servion's average total fees were $4,182, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,456 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 3,169 $641,995,000 $202,586
    3-4% 1,920 $381,190,000 $198,536
    <2.5% 1,297 $226,645,000 $174,746
    4-5% 70 $10,090,000 $144,143

    During 2021, Servion's average interest rate for loans was 3.06%, while their most frequently originated rate bucket for loans was 2.5-3%, with 3,169 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 3,059 $454,875,000 $148,701 $3,415 2.89%
    $200k-400k 2,292 $614,870,000 $268,268 $4,545 2.92%
    $100,000 or less 843 $64,355,000 $76,340 $2,804 2.87%
    $400k-600k 252 $117,490,000 $466,230 $5,548 2.89%
    $600k-1MM 9 $6,415,000 $712,778 $5,908 3.33%
    $1MM+ 2 $2,110,000 $1,055,000 $4,613 3.06%

    2021 saw Servion place emphasis on $100k-200k loans with 3,059 originations, totaling $454,875,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,822 $308,560,000 $169,352 $3,857 2.91%
    $50k or less 1,390 $182,680,000 $131,424 $3,444 2.94%
    $75k-100k 1,317 $266,435,000 $202,304 $3,813 2.89%
    $100k-150k 1,284 $303,230,000 $236,160 $3,974 2.87%
    $150k-250k 543 $162,755,000 $299,733 $4,350 2.86%
    $250k+ 100 $36,420,000 $364,200 $4,467 2.82%

    Servion lent most frequently to those with incomes in the $50k-75k range, with 1,822 originations. The second most popular income band? $50k or less, with 1,390 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,684 $316,770,000 $188,106 $3,568 2.85%
    30-36% 1,343 $260,915,000 $194,278 $3,817 2.92%
    <20% 617 $108,255,000 $175,454 $3,214 2.76%
    41% 250 $52,290,000 $209,160 $3,940 3.00%
    38% 239 $47,125,000 $197,176 $4,019 2.94%
    44% 231 $46,815,000 $202,662 $3,880 3.00%
    42% 230 $48,050,000 $208,913 $3,865 3.03%
    40% 228 $46,380,000 $203,421 $4,297 2.90%
    43% 220 $42,960,000 $195,273 $3,938 3.03%
    36% 220 $41,740,000 $189,727 $3,810 2.87%
    37% 216 $42,930,000 $198,750 $4,024 2.96%
    39% 212 $42,290,000 $199,481 $4,024 2.96%
    45% 147 $32,005,000 $217,721 $4,290 2.94%
    50-60% 132 $27,020,000 $204,697 $6,137 2.95%
    47% 128 $29,910,000 $233,672 $4,432 2.90%
    46% 116 $23,660,000 $203,966 $4,573 2.92%
    49% 108 $22,670,000 $209,907 $4,166 2.96%
    48% 92 $19,120,000 $207,826 $3,845 2.87%
    >60% 19 $4,135,000 $217,632 $3,414 2.71%

    Servion lent most frequently to those with DTI ratios of 20-30%, with 1,684 originations. The next most common DTI ratio? 30-36%, with 1,343 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,497 $1,062,465,000 $193,281 $3,728 2.89%
    Not provided 631 $131,855,000 $208,962 $4,355 2.93%
    Black 166 $33,570,000 $202,229 $4,860 3.01%
    Asian 97 $20,545,000 $211,804 $4,089 2.80%
    American Indian 53 $9,305,000 $175,566 $4,324 2.93%
    Asian Indian 2 $570,000 $285,000 $2,499 2.94%
    Other Pacific Islander 3 $525,000 $175,000 $6,936 2.83%
    Filipino 3 $505,000 $168,333 $2,277 2.88%
    Other Asian 2 $400,000 $200,000 $5,567 2.69%
    Native Hawaiian or Islander 2 $220,000 $110,000 $3,438 2.38%
    1 $155,000 $155,000 $7,068 3.38%

    Approval Rates

    Total approvals of all applications
    97.37%

    Servion has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    81.20%

    Servion has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,457 $1,260,115,000 $195,155

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,457 $1,260,115,000 $195,155

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 318 $38,660,000 $121,572 $2,993 2.60%
    40-60% 1,108 $182,680,000 $164,874 $3,049 2.70%
    60-80% 2,503 $512,665,000 $204,820 $3,555 2.95%
    80-100% 2,458 $511,140,000 $207,950 $4,438 2.98%
    Over 100% 47 $13,045,000 $277,553 $10,333 2.69%
    Under 20% 23 $1,925,000 $83,696 $2,437 2.62%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Servion, Inc. FHA mortgage Struggling to pay mortgage 1 50.0%
    Servion, Inc. FHA mortgage Trouble during payment process 1 50.0%