Sirva Mortgage Rates, Fees & Info

COLUMBUS, OH

LEI: 549300KQHWNSVCE2MY88

Tax ID: 34-1719615

5 stars - Updated: 4/14/24 - out of 5 stars, based on 35 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Sirva Mortgage is a smaller mortgage company specializing in Home Purchase loans. Sirva Mortgage has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Nashville, Houston, Dallas, San Francisco, and Portland among others. We have data for 248 markets. (Some data included below & more in-depth data is available with an active subscription.)

Sirva Mortgage 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. Sirva Mortgage is typically a low 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 relatively high 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 6.42% 4/14/24
30 Year Conventional Refi 5.91% 4/14/24
30 Year Cash-out Refi 6.77% 4/14/24
30 Year FHA Purchase 7.33% 4/14/24
30 Year VA Purchase 6.18% 4/14/24
15 Year Conventional Purchase 5.69% 4/14/24
15 Year Conventional Refi 5.75% 4/14/24
15 Year Cash-out Refi 5.75% 4/14/24
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.

Sirva Mortgage Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Sirva Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,222

Origination Dollar Volume (All Markets)

$519,070,000
Show all (17) awards

Relative Rate

Sirva Mortgage's average 30 year fixed mortgage rate was 6.58%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.1%.

Relative Fees (Closing Costs)

Sirva Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $2,460.

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 $9,089.

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
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 47 $29,055,000 $618,191 $1,647 6.40%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 57 $22,905,000 $401,842 $4,035 6.38%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 48 $22,880,000 $476,667 $2,076 6.66%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 48 $19,290,000 $401,875 $1,528 1.25%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 37 $16,995,000 $459,324 $2,222 6.34%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 24 $12,020,000 $500,833 $3,904 6.36%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 27 $11,595,000 $429,444 $2,344 6.50%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 17 $11,395,000 $670,294 $1,369 6.28%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 33 $11,265,000 $341,364 $2,041 6.69%
KANSAS CITY, MO-KS (FHA|USDA|VA) 21 $10,795,000 $514,048 $2,093 6.58%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 15 $10,395,000 $693,000 $1,288 6.59%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 25 $10,375,000 $415,000 $1,765 6.44%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 24 $10,300,000 $429,167 $2,246 6.65%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 22 $10,240,000 $465,455 $1,189 6.39%
ALBUQUERQUE, NM (FHA|USDA|VA) 31 $10,155,000 $327,581 $3,847 6.35%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 15 $8,635,000 $575,667 $1,964 6.22%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 21 $7,895,000 $375,952 $2,626 6.51%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 14 $7,510,000 $536,429 $5,294 6.45%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 14 $7,360,000 $525,714 $3,367 6.40%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 17 $7,285,000 $428,529 $2,008 6.56%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 12 $6,890,000 $574,167 $1,795 6.55%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 17 $6,125,000 $360,294 $1,150 6.62%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 11 $5,775,000 $525,000 $910 6.42%
COLUMBUS, OH (FHA|USDA|VA) 13 $5,725,000 $440,385 $1,725 6.56%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 15 $5,675,000 $378,333 $2,816 6.37%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 11 $5,365,000 $487,727 $1,390 6.18%
Outside of Metro Areas 18 $4,970,000 $276,111 $1,299 6.85%
RALEIGH-CARY, NC (FHA|USDA|VA) 11 $4,915,000 $446,818 $2,606 6.53%
AKRON, OH (FHA|USDA|VA) 15 $4,835,000 $322,333 $1,888 6.50%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 15 $4,695,000 $313,000 $3,491 6.58%
BOISE CITY, ID (FHA|USDA|VA) 10 $4,630,000 $463,000 $2,268 6.10%
FORT WAYNE, IN (FHA|USDA|VA) 12 $4,270,000 $355,833 $2,103 6.84%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 9 $4,175,000 $463,889 $1,291 6.69%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $4,165,000 $595,000 $3,966 5.93%
RICHMOND, VA (FHA|USDA|VA) 10 $4,070,000 $407,000 $3,600 6.49%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 7 $3,885,000 $555,000 $2,438 6.91%
TUCSON, AZ (FHA|USDA|VA) 9 $3,805,000 $422,778 $3,838 6.72%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 8 $3,750,000 $468,750 $6,435 6.56%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 6 $3,740,000 $623,333 $208 6.46%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 5 $3,445,000 $689,000 $850 6.53%
PORT ST. LUCIE, FL (FHA|USDA|VA) 6 $3,310,000 $551,667 $2,573 6.44%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $3,280,000 $820,000 $1,026 6.69%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $3,135,000 $348,333 $3,558 6.63%
TULSA, OK (FHA|USDA|VA) 10 $3,020,000 $302,000 $1,188 6.69%
JACKSONVILLE, FL (FHA|USDA|VA) 6 $2,900,000 $483,333 $3,648 6.17%
ST. LOUIS, MO-IL (FHA|USDA|VA) 8 $2,890,000 $361,250 $1,772 6.14%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $2,680,000 $670,000 $1,184 6.78%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 6 $2,600,000 $433,333 $366 6.50%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 5 $2,565,000 $513,000 $1,847 6.73%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 5 $2,445,000 $489,000 $1,610 6.75%
SAVANNAH, GA (FHA|USDA|VA) 4 $2,440,000 $610,000 $2,107 7.16%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 7 $2,325,000 $332,143 $4,677 6.77%
PROVO-OREM, UT (FHA|USDA|VA) 3 $2,215,000 $738,333 $283 5.63%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 4 $2,180,000 $545,000 $5,957 6.28%
LOUISVILLE, KY (FHA|USDA|VA) 5 $2,165,000 $433,000 $3,440 6.50%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 4 $2,060,000 $515,000 $2,622 6.34%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 4 $2,050,000 $512,500 $1,643 6.81%
WICHITA, KS (FHA|USDA|VA) 5 $1,945,000 $389,000 $492 6.70%
COLUMBUS, IN (FHA|USDA|VA) 6 $1,890,000 $315,000 $1,184 6.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 6 $1,890,000 $315,000 $0 6.79%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $1,865,000 $373,000 $1,110 5.55%
CANTON-MASSILLON, OH (FHA|USDA|VA) 7 $1,855,000 $265,000 $546 6.57%
ASHEVILLE, NC (FHA|USDA|VA) 3 $1,815,000 $605,000 $1,786 6.08%
PANAMA CITY, FL (FHA|USDA|VA) 3 $1,755,000 $585,000 $4,052 6.00%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 5 $1,715,000 $343,000 $2,678 6.53%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $1,700,000 $425,000 $1,565 4.47%
KNOXVILLE, TN (FHA|USDA|VA) 4 $1,640,000 $410,000 $0 6.41%
Owatonna, MN (FHA|USDA|VA) 6 $1,630,000 $271,667 $2,557 6.48%
FAYETTEVILLE, NC (FHA|USDA|VA) 6 $1,590,000 $265,000 $1,217 6.79%
OCALA, FL (FHA|USDA|VA) 3 $1,505,000 $501,667 $3,523 6.17%
ROANOKE, VA (FHA|USDA|VA) 4 $1,490,000 $372,500 $417 6.69%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $1,455,000 $485,000 $1,648 4.33%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $1,450,000 $362,500 $2,236 6.59%
GAINESVILLE, FL (FHA|USDA|VA) 2 $1,410,000 $705,000 $2,801 5.56%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $1,405,000 $468,333 $258 6.88%
MIDLAND, TX (FHA|USDA|VA) 4 $1,400,000 $350,000 $2,926 6.69%
CLEVELAND, TN (FHA|USDA|VA) 4 $1,360,000 $340,000 $1,660 6.66%
COLUMBIA, SC (FHA|USDA|VA) 4 $1,340,000 $335,000 $1,424 6.78%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 4 $1,310,000 $327,500 $3,967 6.69%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 4 $1,300,000 $325,000 $644 6.31%
Columbus, MS (FHA|USDA|VA) 6 $1,300,000 $216,667 $1,696 6.52%
ANN ARBOR, MI (FHA|USDA|VA) 2 $1,290,000 $645,000 $6 6.56%
IDAHO FALLS, ID (FHA|USDA|VA) 3 $1,285,000 $428,333 $3,441 6.75%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $1,280,000 $320,000 $154 6.41%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $1,280,000 $640,000 $3,544 6.31%
Moses Lake, WA (FHA|USDA|VA) 3 $1,275,000 $425,000 $0 6.17%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $1,220,000 $305,000 $357 6.56%
MADISON, WI (FHA|USDA|VA) 4 $1,220,000 $305,000 $3,567 6.41%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $1,215,000 $405,000 $1,968 6.17%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 3 $1,185,000 $395,000 $1,075 6.38%
TOLEDO, OH (FHA|USDA|VA) 4 $1,140,000 $285,000 $505 6.28%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $1,100,000 $550,000 $1,473 6.31%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $1,065,000 $355,000 $1,525 6.29%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $1,060,000 $530,000 $4,103 6.25%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $1,040,000 $520,000 $1,151 6.94%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 6.38%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $965,000 $321,667 $90 5.96%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $935,000 $311,667 $1,930 5.83%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $930,000 $465,000 $8,839 6.13%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $915,000 $305,000 $5,768 6.96%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $900,000 $450,000 $721 7.13%
Columbus, NE (FHA|USDA|VA) 2 $880,000 $440,000 $5,402 6.50%
Starkville, MS (FHA|USDA|VA) 3 $875,000 $291,667 $659 6.46%
Roseburg, OR (FHA|USDA|VA) 2 $870,000 $435,000 $0 7.56%
LYNCHBURG, VA (FHA|USDA|VA) 3 $865,000 $288,333 $1,310 6.92%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $860,000 $430,000 $1,733 6.50%
ROCHESTER, NY (FHA|USDA|VA) 2 $800,000 $400,000 $2,152 6.19%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $790,000 $395,000 $758 7.50%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $780,000 $390,000 $5,539 6.63%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $750,000 $375,000 $1,050 6.50%
GREENVILLE, NC (FHA|USDA|VA) 2 $750,000 $375,000 $3,655 6.94%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $735,000 $735,000 $11,910 5.63%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $725,000 $725,000 $3,961 6.25%
LAWTON, OK (FHA|USDA|VA) 3 $715,000 $238,333 $0 6.29%
Bozeman, MT (FHA|USDA|VA) 1 $715,000 $715,000 $4,638 6.00%
GRAND FORKS, ND-MN (FHA|USDA|VA) 2 $690,000 $345,000 $76 6.75%
ANCHORAGE, AK (FHA|USDA|VA) 2 $690,000 $345,000 $5,838 6.25%
Edwards, CO (FHA|USDA|VA) 1 $675,000 $675,000 $2,180 6.75%
Madison, IN (FHA|USDA|VA) 2 $670,000 $335,000 $3,118 6.50%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $665,000 $665,000 $0 6.63%
STOCKTON, CA (FHA|USDA|VA) 1 $665,000 $665,000 $4,497 6.00%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $660,000 $330,000 $0 6.31%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $660,000 $330,000 $3,305 6.94%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $655,000 $655,000 $3,350 7.75%
LONGVIEW, WA (FHA|USDA|VA) 2 $650,000 $325,000 $468 6.75%
JACKSON, TN (FHA|USDA|VA) 2 $650,000 $325,000 $1,394 6.75%
LAWRENCE, KS (FHA|USDA|VA) 2 $650,000 $325,000 $2,342 6.94%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $650,000 $325,000 $821 6.75%
Crossville, TN (FHA|USDA|VA) 1 $645,000 $645,000 $1,931 6.38%
EL PASO, TX (FHA|USDA|VA) 2 $640,000 $320,000 $2,478 5.81%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $640,000 $320,000 $4,853 6.25%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $630,000 $315,000 $1,272 6.63%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $625,000 $625,000 $0 7.13%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $620,000 $310,000 $3,662 6.75%
PITTSBURGH, PA (FHA|USDA|VA) 1 $615,000 $615,000 $0 6.75%
Hutchinson, MN (FHA|USDA|VA) 2 $610,000 $305,000 $1,039 6.75%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $610,000 $305,000 $1,389 5.81%
PUEBLO, CO (FHA|USDA|VA) 1 $605,000 $605,000 $0 6.63%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $605,000 $605,000 $13,200 6.75%
NILES, MI (FHA|USDA|VA) 1 $605,000 $605,000 $2,935 6.88%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $600,000 $300,000 $22 6.50%
POCATELLO, ID (FHA|USDA|VA) 2 $600,000 $300,000 $831 6.75%
DECATUR, AL (FHA|USDA|VA) 2 $590,000 $295,000 $2,171 6.94%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $590,000 $295,000 $1,630 6.81%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $585,000 $585,000 $81 6.38%
APPLETON, WI (FHA|USDA|VA) 2 $560,000 $280,000 $2,415 6.38%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $555,000 $555,000 $11 6.50%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $555,000 $555,000 $477 5.75%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $530,000 $265,000 $1,825 6.56%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $525,000 $525,000 $2,699 6.25%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $520,000 $260,000 $1,841 7.19%
SALEM, OR (FHA|USDA|VA) 1 $515,000 $515,000 $3,729 7.25%
Camden, AR (FHA|USDA|VA) 1 $515,000 $515,000 $3,411 6.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $510,000 $255,000 $1,298 6.81%
RENO, NV (FHA|USDA|VA) 1 $505,000 $505,000 $853 6.88%
Waycross, GA (FHA|USDA|VA) 2 $480,000 $240,000 $2,837 6.19%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $475,000 $475,000 $0 6.38%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $470,000 $235,000 $14 7.06%
Findlay, OH (FHA|USDA|VA) 1 $465,000 $465,000 $5,878 7.25%
Othello, WA (FHA|USDA|VA) 1 $445,000 $445,000 $0 6.13%
MODESTO, CA (FHA|USDA|VA) 1 $445,000 $445,000 $0 6.63%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $435,000 $435,000 $4,451 6.88%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $425,000 $425,000 $3,134 6.13%
COLUMBIA, MO (FHA|USDA|VA) 2 $420,000 $210,000 $647 6.88%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $415,000 $415,000 $0 6.00%
Burlington, IA-IL (FHA|USDA|VA) 2 $410,000 $205,000 $3,910 7.19%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $405,000 $405,000 $14,202 6.13%
Burley, ID (FHA|USDA|VA) 1 $395,000 $395,000 $9,138 7.00%
Lake City, FL (FHA|USDA|VA) 1 $385,000 $385,000 $1,950 6.00%
Ontario, OR-ID (FHA|USDA|VA) 1 $385,000 $385,000 $0 6.88%
Helena, MT (FHA|USDA|VA) 1 $375,000 $375,000 $1,227 6.63%
Athens, TN (FHA|USDA|VA) 1 $365,000 $365,000 $15,234 6.63%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $365,000 $365,000 $885 6.75%
JACKSON, MI (FHA|USDA|VA) 2 $350,000 $175,000 $2,802 6.94%
WACO, TX (FHA|USDA|VA) 2 $350,000 $175,000 $1,702 5.94%
JOPLIN, MO (FHA|USDA|VA) 1 $345,000 $345,000 $0 6.63%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $335,000 $335,000 $5,993 6.00%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $335,000 $335,000 $0 5.75%
PITTSFIELD, MA (FHA|USDA|VA) 1 $325,000 $325,000 $0 5.88%
Red Wing, MN (FHA|USDA|VA) 1 $325,000 $325,000 $0 6.25%
Palatka, FL (FHA|USDA|VA) 1 $315,000 $315,000 $11,985 6.25%
MEDFORD, OR (FHA|USDA|VA) 1 $315,000 $315,000 $865 6.38%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $315,000 $315,000 $2,596 6.63%
Sevierville, TN (FHA|USDA|VA) 1 $315,000 $315,000 $6,544 6.75%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $315,000 $315,000 $4,616 6.75%
ALBANY, GA (FHA|USDA|VA) 1 $305,000 $305,000 $1,873 6.13%
Greeneville, TN (FHA|USDA|VA) 1 $305,000 $305,000 $1,722 6.75%
Mountain Home, ID (FHA|USDA|VA) 1 $305,000 $305,000 $0 7.38%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $305,000 $305,000 $3,342 7.38%
BATON ROUGE, LA (FHA|USDA|VA) 1 $305,000 $305,000 $1,142 6.88%
HATTIESBURG, MS (FHA|USDA|VA) 1 $295,000 $295,000 $18,439 6.75%
Hannibal, MO (FHA|USDA|VA) 1 $295,000 $295,000 $12,522 5.75%
YAKIMA, WA (FHA|USDA|VA) 1 $295,000 $295,000 $10,244 7.25%
GREEN BAY, WI (FHA|USDA|VA) 1 $295,000 $295,000 $4,947 7.38%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $295,000 $295,000 $0 6.75%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $295,000 $295,000 $3,755 6.63%
WENATCHEE, WA (FHA|USDA|VA) 1 $285,000 $285,000 $0 6.38%
TOPEKA, KS (FHA|USDA|VA) 1 $285,000 $285,000 $5,680 7.25%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $285,000 $285,000 $2,838 7.13%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $676 6.50%
TWIN FALLS, ID (FHA|USDA|VA) 1 $275,000 $275,000 $841 7.00%
Brookings, SD (FHA|USDA|VA) 1 $275,000 $275,000 $2,161 7.63%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $275,000 $275,000 $0 7.63%
VALDOSTA, GA (FHA|USDA|VA) 1 $275,000 $275,000 $3,106 6.75%
Lewisburg, TN (FHA|USDA|VA) 1 $265,000 $265,000 $2,740 6.38%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $265,000 $265,000 $0 6.88%
Dickinson, ND (FHA|USDA|VA) 1 $265,000 $265,000 $11 7.00%
READING, PA (FHA|USDA|VA) 1 $265,000 $265,000 $3,509 6.50%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $265,000 $265,000 $0 6.25%
Mountain Home, AR (FHA|USDA|VA) 1 $255,000 $255,000 $4,358 7.50%
Danville, VA (FHA|USDA|VA) 1 $255,000 $255,000 $0 6.38%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $245,000 $245,000 $2,659 7.50%
Forest City, NC (FHA|USDA|VA) 1 $245,000 $245,000 $3,088 6.25%
SPARTANBURG, SC (FHA|USDA|VA) 1 $245,000 $245,000 $0 5.88%
Poplar Bluff, MO (FHA|USDA|VA) 1 $235,000 $235,000 $5,921 6.75%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $235,000 $235,000 $3,042 6.50%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $235,000 $235,000 $2,450 6.38%
SUMTER, SC (FHA|USDA|VA) 1 $235,000 $235,000 $0 6.50%
Lufkin, TX (FHA|USDA|VA) 1 $235,000 $235,000 $2,976 5.88%
ROME, GA (FHA|USDA|VA) 1 $225,000 $225,000 $0 6.38%
LAS CRUCES, NM (FHA|USDA|VA) 1 $225,000 $225,000 $8,576 6.50%
Vidalia, GA (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.75%
ODESSA, TX (FHA|USDA|VA) 1 $215,000 $215,000 $4,831 6.75%
ABILENE, TX (FHA|USDA|VA) 1 $215,000 $215,000 $1,322 6.38%
Greenville, MS (FHA|USDA|VA) 1 $215,000 $215,000 $0 6.00%
Martinsville, VA (FHA|USDA|VA) 1 $215,000 $215,000 $2,474 6.50%
GOLDSBORO, NC (FHA|USDA|VA) 1 $205,000 $205,000 $935 6.75%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $6,546 7.63%
New Ulm, MN (FHA|USDA|VA) 1 $205,000 $205,000 $20 6.13%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $2,917 6.25%
Tupelo, MS (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.75%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $195,000 $195,000 $3,272 6.25%
Brownsville, TN (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.25%
Wooster, OH (FHA|USDA|VA) 1 $185,000 $185,000 $2,554 6.88%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $185,000 $185,000 $7,181 5.63%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $175,000 $175,000 $1,505 7.38%
Seymour, IN (FHA|USDA|VA) 1 $165,000 $165,000 $1,056 7.63%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.25%
Paris, TN (FHA|USDA|VA) 1 $155,000 $155,000 $896 6.25%
KANKAKEE, IL (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.13%
Georgetown, SC (FHA|USDA|VA) 1 $155,000 $155,000 $52 7.75%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $135,000 $135,000 $5,209 7.13%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $125,000 $125,000 $3,574 6.13%
Cortland, NY (FHA|USDA|VA) 1 $125,000 $125,000 $2,996 5.13%
Athens, TX (FHA|USDA|VA) 1 $105,000 $105,000 $2,725 7.50%
El Dorado, AR (FHA|USDA|VA) 1 $95,000 $95,000 $536 6.50%
Vernon, TX (FHA|USDA|VA) 1 $85,000 $85,000 $2,364 6.38%
Pittsburg, KS (FHA|USDA|VA) 1 $85,000 $85,000 $4,789 7.63%
Sirva Mortgage's top markets include Nashville, Houston, Dallas, San Francisco, and Portland among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,117 $479,165,000 $428,975 $1,721 6.27%
    VA 59 $25,245,000 $427,881 $8,792 6.50%
    FHA 46 $14,660,000 $318,696 $8,299 6.66%

    For 2023, Sirva Mortgage's most frequently originated type of loan was Conventional, with 1,117 originations. Their 2nd most popular type was VA, with 59 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,216 $517,480,000 $425,559 $2,300 6.29%
    Cash Out Refi 5 $1,135,000 $227,000 $4,961 6.68%
    Refi 1 $455,000 $455,000 $1,756 6.63%

    For 2023, Sirva Mortgage's most frequently cited loan purpose was Home Purchase, with 1,216 originations. The 2nd most popular reason was Cash Out Refi, with 5 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,086 $474,670,000 $437,081 $2,460 6.58%
    15 Year 91 $28,815,000 $316,648 $1,546 5.96%
    5 Year 35 $7,605,000 $217,286 $180 0.00%
    10 Year 10 $7,980,000 $798,000 $464 0.50%

    For 2023, Sirva Mortgage's most frequently cited loan duration was 30 Year, with 1,086 originations. The 2nd most popular length was 15 Year, with 91 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,046 $443,410,000 $423,910
    $5k+ 59 $31,605,000 $535,678
    $1k-2k 38 $15,730,000 $413,947
    $2k-3k 32 $10,260,000 $320,625
    $3k-4k 28 $10,260,000 $366,429
    $4k-5k 19 $7,805,000 $410,789

    Sirva Mortgage's average total fees were $2,460, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,046 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 727 $306,725,000 $421,905
    5-6% 223 $105,575,000 $473,430
    7-8% 213 $86,285,000 $405,094
    <2.5% 44 $15,470,000 $351,591
    4-5% 8 $3,010,000 $376,250
    Over 8% 7 $2,005,000 $286,429

    During 2023, Sirva Mortgage's average interest rate for loans was 6.58%, while their most frequently originated rate bucket for loans was 6-7%, with 727 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 550 $167,030,000 $303,691 $2,277 6.36%
    $400k-600k 362 $176,230,000 $486,823 $2,507 6.40%
    $600k-1MM 167 $118,885,000 $711,886 $2,414 6.38%
    $100k-200k 102 $16,060,000 $157,451 $1,362 5.51%
    $1MM+ 31 $40,095,000 $1,293,387 $3,352 5.77%
    $100,000 or less 10 $770,000 $77,000 $1,737 6.99%

    2023 saw Sirva Mortgage place emphasis on $200k-400k loans with 550 originations, totaling $167,030,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 474 $206,410,000 $435,464 $2,240 6.31%
    $100k-150k 360 $117,220,000 $325,611 $2,454 6.57%
    $250k+ 254 $162,630,000 $640,276 $1,853 5.73%
    $75k-100k 91 $24,545,000 $269,725 $3,232 6.55%
    $50k-75k 41 $7,965,000 $194,268 $2,492 6.60%
    $50k or less 2 $300,000 $150,000 $5,512 6.31%

    Sirva Mortgage lent most frequently to those with incomes in the $150k-250k range, with 474 originations. The second most popular income band? $100k-150k, with 360 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 283 $114,565,000 $404,823 $1,735 6.48%
    30-36% 261 $116,675,000 $447,031 $2,123 6.33%
    <20% 82 $24,600,000 $300,000 $1,420 6.17%
    40% 51 $26,525,000 $520,098 $3,021 6.28%
    36% 49 $23,635,000 $482,347 $2,216 6.47%
    38% 44 $21,960,000 $499,091 $1,976 6.02%
    43% 44 $19,070,000 $433,409 $2,922 6.41%
    42% 43 $20,105,000 $467,558 $3,127 6.52%
    37% 43 $17,345,000 $403,372 $1,961 6.10%
    39% 43 $18,915,000 $439,884 $2,714 6.30%
    44% 41 $18,085,000 $441,098 $3,733 6.35%
    46% 39 $17,175,000 $440,385 $3,397 6.15%
    47% 36 $13,510,000 $375,278 $2,348 6.18%
    41% 35 $15,445,000 $441,286 $1,953 6.20%
    49% 35 $14,695,000 $419,857 $2,916 6.49%
    45% 33 $14,945,000 $452,879 $3,430 6.17%
    48% 31 $11,315,000 $365,000 $1,866 6.15%
    50-60% 27 $10,115,000 $374,630 $5,062 5.22%
    >60% 2 $390,000 $195,000 $0 0.00%

    Sirva Mortgage lent most frequently to those with DTI ratios of 20-30%, with 283 originations. The next most common DTI ratio? 30-36%, with 261 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 912 $382,950,000 $419,901 $2,262 6.40%
    Asian 127 $56,385,000 $443,976 $2,191 5.46%
    Not provided 106 $45,910,000 $433,113 $2,792 6.35%
    Black 67 $29,545,000 $440,970 $2,366 6.32%
    American Indian 8 $3,490,000 $436,250 $2,780 6.36%
    Asian Indian 2 $790,000 $395,000 $2,495 6.25%

    Approval Rates

    Total approvals of all applications
    98.00%

    Sirva Mortgage 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
    68.82%

    Sirva Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,222 $519,070,000 $424,771

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,222 $519,070,000 $424,771

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 86 $29,260,000 $340,233 $1,061 5.14%
    40-60% 144 $57,360,000 $398,333 $1,689 6.39%
    60-80% 430 $205,580,000 $478,093 $1,800 6.48%
    80-100% 512 $213,620,000 $417,227 $2,885 6.63%
    Over 100% 14 $5,940,000 $424,286 $15,843 6.18%
    Under 20% 36 $7,310,000 $203,056 $429 1.73%