Sirva Mortgage Rates, Fees & Info

COLUMBUS, OH

LEI: 549300KQHWNSVCE2MY88

Tax ID: 34-1719615

5 stars - Updated: 4/5/25 - out of 5 stars, based on 36 reviews

Latest/2024 | 2023 Data | 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, Dallas, Houston, Portland, and Phoenix among others. We have data for 276 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 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
Home Equity Line of Credit (HELOC) 6.72% 4/5/25
30 Year Conventional Purchase 6.75% 4/5/25
30 Year Conventional Refi 6.53% 4/5/25
30 Year Cash-out Refi 7.04% 4/5/25
30 Year FHA Purchase 7.36% 4/5/25
30 Year VA Purchase 6.59% 4/5/25
30 Year VA Refi 6.89% 4/5/25
15 Year Conventional Purchase 5.87% 4/5/25
15 Year Conventional Refi 5.83% 4/5/25
15 Year Cash-out Refi 5.83% 4/5/25
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

1,299

Origination Dollar Volume (All Markets)

$563,965,000
Show all (10) awards

Relative Rate

Sirva Mortgage's average 30 year fixed mortgage rate was 6.66%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 0.11%.

Relative Fees (Closing Costs)

Sirva Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $1,935.

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 $8,356.

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) 53 $32,465,000 $612,547 $2,447 6.47%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 54 $28,840,000 $534,074 $2,072 6.43%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 44 $17,760,000 $403,636 $3,544 6.44%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 44 $17,760,000 $403,636 $1,841 5.81%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 33 $16,705,000 $506,212 $1,789 6.47%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 32 $16,060,000 $501,875 $1,092 1.63%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 33 $14,985,000 $454,091 $2,465 6.59%
Outside of Metro Areas 41 $14,765,000 $360,122 $1,846 6.63%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 29 $13,845,000 $477,414 $1,595 6.51%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 24 $13,790,000 $574,583 $503 6.20%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 23 $13,005,000 $565,435 $1,030 6.64%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 20 $10,980,000 $549,000 $505 6.36%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 27 $10,825,000 $400,926 $1,913 6.50%
KANSAS CITY, MO-KS (FHA|USDA|VA) 22 $10,260,000 $466,364 $1,460 6.50%
ALBUQUERQUE, NM (FHA|USDA|VA) 24 $9,470,000 $394,583 $3,018 6.37%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 17 $9,075,000 $533,824 $2,287 6.40%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 11 $8,775,000 $797,727 $3,037 6.45%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 19 $8,035,000 $422,895 $423 6.82%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 11 $7,435,000 $675,909 $697 6.60%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 11 $7,215,000 $655,909 $4,540 6.75%
RICHMOND, VA (FHA|USDA|VA) 16 $7,170,000 $448,125 $1,102 6.58%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 17 $7,115,000 $418,529 $912 6.79%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 18 $7,060,000 $392,222 $814 6.58%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 14 $6,230,000 $445,000 $215 6.76%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 11 $5,635,000 $512,273 $2,644 6.68%
RALEIGH-CARY, NC (FHA|USDA|VA) 12 $5,350,000 $445,833 $2,229 6.46%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 11 $5,195,000 $472,273 $2,260 6.56%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 14 $4,800,000 $342,857 $2,832 6.55%
BOISE CITY, ID (FHA|USDA|VA) 9 $4,475,000 $497,222 $1,288 6.43%
ASHEVILLE, NC (FHA|USDA|VA) 10 $3,850,000 $385,000 $1,024 6.51%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 8 $3,810,000 $476,250 $3,197 6.38%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $3,705,000 $741,000 $0 6.03%
SAVANNAH, GA (FHA|USDA|VA) 8 $3,680,000 $460,000 $1,500 6.69%
SPRINGFIELD, MO (FHA|USDA|VA) 9 $3,675,000 $408,333 $2,574 6.46%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $3,670,000 $611,667 $3,430 6.46%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 9 $3,655,000 $406,111 $4,524 6.44%
COLUMBUS, OH (FHA|USDA|VA) 9 $3,455,000 $383,889 $1,642 6.47%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 6 $3,380,000 $563,333 $3,394 6.50%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 7 $3,375,000 $482,143 $1,722 6.14%
ST. LOUIS, MO-IL (FHA|USDA|VA) 10 $3,310,000 $331,000 $1,779 6.78%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 8 $3,220,000 $402,500 $3,478 6.69%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $3,215,000 $357,222 $258 6.65%
Columbus, MS (FHA|USDA|VA) 10 $3,210,000 $321,000 $1,237 6.66%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 6 $3,150,000 $525,000 $1,961 6.50%
FORT WAYNE, IN (FHA|USDA|VA) 9 $3,145,000 $349,444 $2,188 6.79%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 11 $3,095,000 $281,364 $1,753 6.57%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $3,040,000 $760,000 $2,723 6.84%
JACKSONVILLE, FL (FHA|USDA|VA) 8 $2,980,000 $372,500 $1,463 6.47%
PITTSBURGH, PA (FHA|USDA|VA) 6 $2,830,000 $471,667 $2,852 6.79%
TULSA, OK (FHA|USDA|VA) 8 $2,810,000 $351,250 $983 6.84%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $2,785,000 $557,000 $5,449 6.88%
TUCSON, AZ (FHA|USDA|VA) 5 $2,655,000 $531,000 $5,940 6.63%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $2,545,000 $848,333 $800 6.79%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $2,540,000 $635,000 $0 6.44%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 7 $2,505,000 $357,857 $1,794 6.66%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 7 $2,445,000 $349,286 $1,317 6.70%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $2,440,000 $610,000 $1,985 6.56%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $2,365,000 $473,000 $1,325 6.18%
SALT LAKE CITY, UT (FHA|USDA|VA) 4 $2,290,000 $572,500 $839 6.78%
MIDLAND, TX (FHA|USDA|VA) 5 $2,275,000 $455,000 $8,082 6.15%
LOUISVILLE, KY (FHA|USDA|VA) 6 $2,270,000 $378,333 $760 6.56%
PROVO-OREM, UT (FHA|USDA|VA) 4 $2,220,000 $555,000 $188 6.78%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $2,140,000 $535,000 $3,774 6.69%
AKRON, OH (FHA|USDA|VA) 7 $2,115,000 $302,143 $1,317 6.34%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $1,960,000 $490,000 $1,272 6.56%
WICHITA, KS (FHA|USDA|VA) 6 $1,890,000 $315,000 $1,222 6.58%
FAYETTEVILLE, NC (FHA|USDA|VA) 6 $1,830,000 $305,000 $3,519 6.58%
PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $1,820,000 $455,000 $5,115 6.63%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 5 $1,755,000 $351,000 $336 6.50%
RENO, NV (FHA|USDA|VA) 3 $1,745,000 $581,667 $296 6.96%
BOWLING GREEN, KY (FHA|USDA|VA) 5 $1,705,000 $341,000 $1,473 6.45%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,705,000 $341,000 $867 6.68%
Starkville, MS (FHA|USDA|VA) 5 $1,695,000 $339,000 $1,949 6.70%
BRUNSWICK, GA (FHA|USDA|VA) 5 $1,685,000 $337,000 $1,028 6.65%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $1,675,000 $335,000 $1,120 6.65%
EL PASO, TX (FHA|USDA|VA) 4 $1,620,000 $405,000 $2,612 6.97%
SYRACUSE, NY (FHA|USDA|VA) 3 $1,585,000 $528,333 $415 6.50%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $1,510,000 $755,000 $30 6.44%
POCATELLO, ID (FHA|USDA|VA) 5 $1,505,000 $301,000 $1,341 6.65%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $1,435,000 $478,333 $594 7.21%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $1,430,000 $715,000 $3,719 6.75%
ROANOKE, VA (FHA|USDA|VA) 4 $1,410,000 $352,500 $1,235 6.78%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $1,365,000 $455,000 $5,184 6.08%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 4 $1,360,000 $340,000 $642 6.72%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 4 $1,350,000 $337,500 $4,209 6.84%
CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $1,340,000 $335,000 $1,029 6.72%
LAWTON, OK (FHA|USDA|VA) 4 $1,260,000 $315,000 $208 6.78%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $1,255,000 $418,333 $2,336 6.08%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $1,230,000 $615,000 $771 7.13%
Tupelo, MS (FHA|USDA|VA) 3 $1,195,000 $398,333 $538 6.96%
KNOXVILLE, TN (FHA|USDA|VA) 3 $1,185,000 $395,000 $1,015 6.54%
TEXARKANA, TX-AR (FHA|USDA|VA) 4 $1,170,000 $292,500 $2,015 6.63%
TOPEKA, KS (FHA|USDA|VA) 2 $1,170,000 $585,000 $834 6.56%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $1,095,000 $365,000 $838 6.67%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $1,085,000 $361,667 $573 6.75%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $1,060,000 $530,000 $972 6.94%
ANN ARBOR, MI (FHA|USDA|VA) 3 $1,035,000 $345,000 $0 6.92%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $1,010,000 $505,000 $1,443 6.75%
Heber, UT (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 6.50%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $1,005,000 $335,000 $2 6.46%
OCALA, FL (FHA|USDA|VA) 4 $1,000,000 $250,000 $2,093 6.88%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $1,000,000 $500,000 $4,409 6.06%
Owatonna, MN (FHA|USDA|VA) 3 $975,000 $325,000 $82 6.46%
MADISON, WI (FHA|USDA|VA) 3 $935,000 $311,667 $2,488 7.08%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $935,000 $311,667 $2,407 6.21%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $915,000 $305,000 $1,688 6.79%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 3 $895,000 $298,333 $4,862 6.29%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $890,000 $445,000 $674 6.50%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $865,000 $288,333 $2,620 6.88%
CLEVELAND, TN (FHA|USDA|VA) 3 $845,000 $281,667 $8 7.04%
GAINESVILLE, FL (FHA|USDA|VA) 2 $830,000 $415,000 $3,683 6.56%
TERRE HAUTE, IN (FHA|USDA|VA) 3 $805,000 $268,333 $2,044 6.79%
Aberdeen, SD (FHA|USDA|VA) 4 $790,000 $197,500 $1,022 6.56%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $780,000 $390,000 $4,351 6.63%
COLUMBIA, MO (FHA|USDA|VA) 3 $775,000 $258,333 $197 6.79%
SALEM, OR (FHA|USDA|VA) 2 $770,000 $385,000 $5,493 5.81%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $760,000 $380,000 $2,225 6.38%
MISSOULA, MT (FHA|USDA|VA) 1 $745,000 $745,000 $4,336 7.13%
TOLEDO, OH (FHA|USDA|VA) 3 $745,000 $248,333 $1,363 6.71%
Calhoun, GA (FHA|USDA|VA) 2 $740,000 $370,000 $1,722 6.38%
Bainbridge, GA (FHA|USDA|VA) 3 $735,000 $245,000 $285 7.25%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $730,000 $365,000 $932 6.50%
Lake City, FL (FHA|USDA|VA) 2 $700,000 $350,000 $3,784 7.13%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $695,000 $231,667 $1,029 6.29%
BOULDER, CO (FHA|USDA|VA) 2 $690,000 $345,000 $0 6.06%
TWIN FALLS, ID (FHA|USDA|VA) 2 $680,000 $340,000 $1,881 6.63%
JACKSON, TN (FHA|USDA|VA) 2 $680,000 $340,000 $544 6.81%
Easton, MD (FHA|USDA|VA) 1 $675,000 $675,000 $0 6.88%
GRAND ISLAND, NE (FHA|USDA|VA) 2 $670,000 $335,000 $1,161 6.56%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $635,000 $635,000 $0 5.25%
Madison, IN (FHA|USDA|VA) 2 $630,000 $315,000 $135 6.88%
Dublin, GA (FHA|USDA|VA) 2 $630,000 $315,000 $0 6.56%
WENATCHEE, WA (FHA|USDA|VA) 1 $625,000 $625,000 $436 6.38%
COLUMBIA, SC (FHA|USDA|VA) 2 $610,000 $305,000 $4,658 6.88%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $610,000 $305,000 $2,020 6.75%
SANTA FE, NM (FHA|USDA|VA) 1 $605,000 $605,000 $3,878 5.88%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $595,000 $595,000 $0 6.63%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $595,000 $595,000 $0 6.25%
MONTGOMERY, AL (FHA|USDA|VA) 2 $590,000 $295,000 $1,223 7.13%
OWENSBORO, KY (FHA|USDA|VA) 2 $570,000 $285,000 $0 6.56%
DULUTH, MN-WI (FHA|USDA|VA) 2 $540,000 $270,000 $0 7.00%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $540,000 $270,000 $260 7.19%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $530,000 $265,000 $0 6.13%
GREEN BAY, WI (FHA|USDA|VA) 2 $530,000 $265,000 $1,126 6.06%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $525,000 $525,000 $0 6.88%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $525,000 $525,000 $700 7.00%
COLUMBUS, IN (FHA|USDA|VA) 3 $525,000 $175,000 $441 6.21%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $510,000 $255,000 $1,173 6.63%
NEW BERN, NC (FHA|USDA|VA) 2 $500,000 $250,000 $75 6.69%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $495,000 $495,000 $1,622 7.88%
JACKSON, MS (FHA|USDA|VA) 1 $495,000 $495,000 $0 6.38%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $495,000 $495,000 $0 6.88%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $490,000 $245,000 $1,693 7.13%
Auburn, IN (FHA|USDA|VA) 1 $485,000 $485,000 $1,191 7.63%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $485,000 $485,000 $425 7.13%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $475,000 $475,000 $0 6.50%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $475,000 $475,000 $5,084 6.38%
LIMA, OH (FHA|USDA|VA) 2 $470,000 $235,000 $3,535 7.13%
Bartlesville, OK (FHA|USDA|VA) 2 $470,000 $235,000 $4,729 6.81%
McMinnville, TN (FHA|USDA|VA) 2 $470,000 $235,000 $2,332 6.88%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $465,000 $465,000 $0 6.50%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $465,000 $465,000 $952 6.50%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $460,000 $230,000 $1,315 7.06%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $455,000 $455,000 $0 6.63%
Washington, NC (FHA|USDA|VA) 1 $455,000 $455,000 $0 5.00%
Hilo, HI (FHA|USDA|VA) 1 $445,000 $445,000 $4,792 6.88%
GAINESVILLE, GA (FHA|USDA|VA) 1 $445,000 $445,000 $1,465 7.63%
Point Pleasant, WV-OH (FHA|USDA|VA) 1 $445,000 $445,000 $0 6.88%
Nogales, AZ (FHA|USDA|VA) 1 $445,000 $445,000 $1,081 7.00%
BEND, OR (FHA|USDA|VA) 1 $435,000 $435,000 $4,365 6.50%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $425,000 $425,000 $0 7.13%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $425,000 $425,000 $1,027 6.50%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $425,000 $425,000 $4,239 6.13%
SPARTANBURG, SC (FHA|USDA|VA) 1 $425,000 $425,000 $0 6.63%
EL CENTRO, CA (FHA|USDA|VA) 1 $415,000 $415,000 $0 6.50%
RAPID CITY, SD (FHA|USDA|VA) 1 $415,000 $415,000 $2,887 6.00%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $410,000 $205,000 $1,289 6.56%
ENID, OK (FHA|USDA|VA) 1 $405,000 $405,000 $696 6.38%
Jesup, GA (FHA|USDA|VA) 1 $405,000 $405,000 $2,073 7.25%
SAGINAW, MI (FHA|USDA|VA) 2 $400,000 $200,000 $1,108 6.81%
DALTON, GA (FHA|USDA|VA) 1 $395,000 $395,000 $0 6.38%
REDDING, CA (FHA|USDA|VA) 1 $395,000 $395,000 $0 6.00%
Pottsville, PA (FHA|USDA|VA) 1 $385,000 $385,000 $4,279 7.13%
Palatka, FL (FHA|USDA|VA) 1 $385,000 $385,000 $1,784 6.13%
DECATUR, AL (FHA|USDA|VA) 1 $385,000 $385,000 $1,463 7.38%
Williston, ND (FHA|USDA|VA) 1 $385,000 $385,000 $2,352 7.00%
Concord, NH (FHA|USDA|VA) 1 $385,000 $385,000 $0 6.13%
Mount Vernon, OH (FHA|USDA|VA) 1 $385,000 $385,000 $2,350 6.00%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $375,000 $375,000 $7,317 6.50%
READING, PA (FHA|USDA|VA) 1 $365,000 $365,000 $0 6.00%
ALBANY, GA (FHA|USDA|VA) 1 $365,000 $365,000 $5,368 6.88%
GREAT FALLS, MT (FHA|USDA|VA) 1 $365,000 $365,000 $2,471 6.50%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $355,000 $355,000 $0 6.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $355,000 $355,000 $3,038 6.88%
Auburn, NY (FHA|USDA|VA) 1 $355,000 $355,000 $0 6.88%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $345,000 $345,000 $0 7.00%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $345,000 $345,000 $10,044 6.50%
Danville, VA (FHA|USDA|VA) 1 $345,000 $345,000 $0 7.00%
LONGVIEW, TX (FHA|USDA|VA) 1 $345,000 $345,000 $3,646 7.38%
Jasper, IN (FHA|USDA|VA) 1 $335,000 $335,000 $365 6.50%
New Ulm, MN (FHA|USDA|VA) 1 $335,000 $335,000 $0 6.88%
STAUNTON, VA (FHA|USDA|VA) 1 $335,000 $335,000 $0 7.13%
VALDOSTA, GA (FHA|USDA|VA) 1 $335,000 $335,000 $1,062 7.00%
Bogalusa, LA (FHA|USDA|VA) 1 $335,000 $335,000 $0 7.00%
MORRISTOWN, TN (FHA|USDA|VA) 1 $325,000 $325,000 $0 6.88%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $315,000 $315,000 $0 6.63%
ROCKFORD, IL (FHA|USDA|VA) 1 $315,000 $315,000 $2,916 6.63%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $315,000 $315,000 $1,077 6.88%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $315,000 $315,000 $1,886 5.13%
Cambridge, MD (FHA|USDA|VA) 1 $305,000 $305,000 $2,845 7.13%
Paducah, KY-IL (FHA|USDA|VA) 1 $305,000 $305,000 $0 6.63%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 0.00%
Georgetown, SC (FHA|USDA|VA) 1 $295,000 $295,000 $0 6.88%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $295,000 $295,000 $1,319 6.63%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $295,000 $295,000 $0 5.88%
Vernon, TX (FHA|USDA|VA) 1 $295,000 $295,000 $7,487 7.25%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $295,000 $295,000 $0 7.00%
Picayune, MS (FHA|USDA|VA) 1 $295,000 $295,000 $2,450 6.13%
Klamath Falls, OR (FHA|USDA|VA) 1 $285,000 $285,000 $3,040 7.13%
NILES, MI (FHA|USDA|VA) 1 $285,000 $285,000 $729 7.13%
Garden City, KS (FHA|USDA|VA) 1 $285,000 $285,000 $0 6.38%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $275,000 $275,000 $2,774 6.13%
Othello, WA (FHA|USDA|VA) 1 $275,000 $275,000 $2,136 6.13%
Malvern, AR (FHA|USDA|VA) 1 $275,000 $275,000 $605 7.13%
Roseburg, OR (FHA|USDA|VA) 1 $275,000 $275,000 $6,588 6.88%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $275,000 $275,000 $0 6.13%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.63%
ELMIRA, NY (FHA|USDA|VA) 1 $275,000 $275,000 $550 6.00%
SUMTER, SC (FHA|USDA|VA) 1 $275,000 $275,000 $5,173 7.13%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $265,000 $265,000 $6,241 5.63%
GADSDEN, AL (FHA|USDA|VA) 1 $265,000 $265,000 $4,480 7.25%
DuBois, PA (FHA|USDA|VA) 1 $265,000 $265,000 $0 6.88%
Celina, OH (FHA|USDA|VA) 1 $255,000 $255,000 $2,196 7.13%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $255,000 $255,000 $3,789 5.88%
Glasgow, KY (FHA|USDA|VA) 1 $255,000 $255,000 $1,972 6.50%
LAFAYETTE, LA (FHA|USDA|VA) 1 $255,000 $255,000 $3,004 6.13%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $255,000 $255,000 $8,019 7.00%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $245,000 $245,000 $814 7.38%
Crawfordsville, IN (FHA|USDA|VA) 1 $245,000 $245,000 $1,511 6.50%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $245,000 $245,000 $0 6.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $245,000 $245,000 $2,877 7.38%
TYLER, TX (FHA|USDA|VA) 1 $235,000 $235,000 $3,419 6.13%
ROME, GA (FHA|USDA|VA) 1 $235,000 $235,000 $4,078 6.50%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $2,603 6.38%
JACKSON, MI (FHA|USDA|VA) 1 $225,000 $225,000 $1,450 7.13%
Ashtabula, OH (FHA|USDA|VA) 1 $215,000 $215,000 $2,244 6.88%
YUBA CITY, CA (FHA|USDA|VA) 1 $215,000 $215,000 $4,575 7.00%
Natchitoches, LA (FHA|USDA|VA) 1 $215,000 $215,000 $0 6.50%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $215,000 $215,000 $4,360 6.50%
PANAMA CITY, FL (FHA|USDA|VA) 1 $205,000 $205,000 $2,357 6.13%
Helena-West Helena, AR (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.88%
Athens, TN (FHA|USDA|VA) 1 $205,000 $205,000 $0 7.00%
Vicksburg, MS (FHA|USDA|VA) 1 $195,000 $195,000 $2,344 7.00%
Bluefield, WV-VA (FHA|USDA|VA) 1 $185,000 $185,000 $8,229 6.13%
MOBILE, AL (FHA|USDA|VA) 1 $185,000 $185,000 $422 7.13%
LUBBOCK, TX (FHA|USDA|VA) 1 $185,000 $185,000 $2,520 5.63%
Kearney, NE (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.25%
Brownwood, TX (FHA|USDA|VA) 1 $185,000 $185,000 $1,760 6.13%
Paris, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 6.88%
Sedalia, MO (FHA|USDA|VA) 1 $175,000 $175,000 $0 6.63%
MONROE, MI (FHA|USDA|VA) 1 $175,000 $175,000 $2,180 6.63%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $175,000 $175,000 $18 5.75%
Fairmont, WV (FHA|USDA|VA) 1 $165,000 $165,000 $2,244 7.38%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $165,000 $165,000 $2,416 6.63%
Burlington, IA-IL (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.38%
Logansport, IN (FHA|USDA|VA) 1 $165,000 $165,000 $210 7.13%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $155,000 $155,000 $1,948 6.88%
Astoria, OR (FHA|USDA|VA) 1 $155,000 $155,000 $1,671 7.00%
Dyersburg, TN (FHA|USDA|VA) 1 $145,000 $145,000 $3,143 7.63%
Sanford, NC (FHA|USDA|VA) 1 $145,000 $145,000 $1,671 6.50%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $145,000 $145,000 $2,338 5.38%
FLORENCE, SC (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.63%
Camden, AR (FHA|USDA|VA) 1 $125,000 $125,000 $1,057 6.88%
Minot, ND (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.88%
Effingham, IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,527 7.13%
GOLDSBORO, NC (FHA|USDA|VA) 1 $65,000 $65,000 $1,136 5.88%
Sirva Mortgage's top markets include Nashville, Dallas, Houston, Portland, and Phoenix among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,200 $524,130,000 $436,775 $1,443 6.40%
    VA 50 $23,040,000 $460,800 $6,104 6.51%
    FHA 49 $16,795,000 $342,755 $7,645 6.74%

    For 2024, Sirva Mortgage's most frequently originated type of loan was Conventional, with 1,200 originations. Their 2nd most popular type was VA, with 50 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,271 $554,585,000 $436,338 $1,830 6.42%
    Refi 17 $6,435,000 $378,529 $2,799 5.91%
    Cash Out Refi 11 $2,945,000 $267,727 $3,381 6.75%

    For 2024, Sirva Mortgage's most frequently cited loan purpose was Home Purchase, with 1,271 originations. The 2nd most popular reason was Refi, with 17 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,114 $499,030,000 $447,962 $1,935 6.66%
    15 Year 127 $44,025,000 $346,654 $1,732 5.88%
    5 Year 26 $5,390,000 $207,308 $2 0.00%
    20 Year 23 $8,395,000 $365,000 $1,260 6.17%
    10 Year 7 $6,615,000 $945,000 $1,001 1.91%
    Other 2 $510,000 $255,000 $0 5.63%

    For 2024, Sirva Mortgage's most frequently cited loan duration was 30 Year, with 1,114 originations. The 2nd most popular length was 15 Year, with 127 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,187 $515,435,000 $434,233
    $5k+ 33 $19,165,000 $580,758
    $1k-2k 30 $11,300,000 $376,667
    $3k-4k 20 $7,660,000 $383,000
    $2k-3k 19 $6,885,000 $362,368
    $4k-5k 10 $3,520,000 $352,000

    Sirva Mortgage's average total fees were $1,935, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,187 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 850 $375,110,000 $441,306
    7-8% 207 $84,275,000 $407,126
    5-6% 195 $86,795,000 $445,103
    <2.5% 31 $11,725,000 $378,226
    4-5% 14 $5,030,000 $359,286
    Over 8% 2 $1,030,000 $515,000

    During 2024, Sirva Mortgage's average interest rate for loans was 6.66%, while their most frequently originated rate bucket for loans was 6-7%, with 850 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 586 $179,350,000 $306,058 $1,722 6.43%
    $400k-600k 356 $171,820,000 $482,640 $2,139 6.57%
    $600k-1MM 203 $146,685,000 $722,586 $2,091 6.46%
    $100k-200k 111 $17,375,000 $156,532 $1,319 5.98%
    $1MM+ 39 $48,445,000 $1,242,179 $1,668 5.94%
    $100,000 or less 4 $290,000 $72,500 $1,183 4.72%

    2024 saw Sirva Mortgage place emphasis on $200k-400k loans with 586 originations, totaling $179,350,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 547 $233,375,000 $426,645 $1,884 6.41%
    $100k-150k 348 $108,950,000 $313,075 $1,934 6.56%
    $250k+ 298 $194,640,000 $653,154 $1,560 6.13%
    $75k-100k 79 $21,705,000 $274,747 $2,416 6.82%
    $50k-75k 25 $5,075,000 $203,000 $1,913 6.62%
    $50k or less 2 $220,000 $110,000 $2,147 7.19%

    Sirva Mortgage lent most frequently to those with incomes in the $150k-250k range, with 547 originations. The second most popular income band? $100k-150k, with 348 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 291 $120,305,000 $413,419 $1,441 6.36%
    30-36% 290 $137,090,000 $472,724 $1,853 6.48%
    <20% 83 $24,865,000 $299,578 $1,068 6.12%
    40% 58 $24,840,000 $428,276 $1,990 6.72%
    37% 53 $24,665,000 $465,377 $1,799 6.44%
    44% 49 $20,765,000 $423,776 $1,447 6.55%
    39% 49 $24,285,000 $495,612 $2,259 6.42%
    42% 48 $21,700,000 $452,083 $1,442 6.68%
    48% 48 $20,970,000 $436,875 $1,737 6.71%
    49% 48 $21,460,000 $447,083 $2,880 6.36%
    36% 43 $20,835,000 $484,535 $2,320 6.20%
    38% 41 $17,255,000 $420,854 $1,231 6.63%
    41% 40 $19,880,000 $497,000 $2,413 6.67%
    45% 40 $15,850,000 $396,250 $1,811 6.62%
    46% 32 $14,030,000 $438,438 $2,090 6.55%
    47% 31 $13,435,000 $433,387 $2,033 6.49%
    43% 30 $12,770,000 $425,667 $2,733 6.23%
    50-60% 24 $8,650,000 $360,417 $6,307 4.63%
    >60% 1 $315,000 $315,000 $0 0.00%

    Sirva Mortgage lent most frequently to those with DTI ratios of 20-30%, with 291 originations. The next most common DTI ratio? 30-36%, with 290 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,009 $430,945,000 $427,101 $1,853 6.46%
    Asian 134 $62,670,000 $467,687 $1,476 6.00%
    Not provided 94 $39,950,000 $425,000 $1,797 6.32%
    Black 45 $22,185,000 $493,000 $3,456 6.65%
    American Indian 12 $5,480,000 $456,667 $1,331 6.75%
    Native Hawaiian or Islander 2 $1,710,000 $855,000 $2 6.19%
    Asian Indian 2 $740,000 $370,000 $955 6.00%
    Other Asian 1 $285,000 $285,000 $1,879 7.13%

    Approval Rates

    Total approvals of all applications
    98.20%

    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
    60.28%

    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 1,299 $563,965,000 $434,153

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,299 $563,965,000 $434,153

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 78 $22,830,000 $292,692 $1,341 5.76%
    40-60% 174 $71,740,000 $412,299 $1,277 6.29%
    60-80% 482 $228,810,000 $474,710 $1,476 6.55%
    80-100% 521 $229,215,000 $439,952 $2,312 6.68%
    Over 100% 10 $4,220,000 $422,000 $14,707 6.70%
    Under 20% 34 $7,150,000 $210,294 $629 2.52%