Sirva Mortgage Rates, Fees & Info

COLUMBUS, OH

LEI: 549300KQHWNSVCE2MY88

Tax ID: 34-1719615

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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: Dallas, Minneapolis, San Francisco, Houston, and Chicago among others. We have data for 289 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
30 Year Conventional Purchase 6.42% 11/17/24
30 Year Conventional Refi 5.91% 11/17/24
30 Year Cash-out Refi 6.77% 11/17/24
30 Year FHA Purchase 7.33% 11/17/24
30 Year VA Purchase 6.18% 11/17/24
15 Year Conventional Purchase 5.69% 11/17/24
15 Year Conventional Refi 5.75% 11/17/24
15 Year Cash-out Refi 5.75% 11/17/24
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

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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

1,669

Origination Dollar Volume (All Markets)

$526,775,000
Show all (26) awards

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
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 70 $23,000,000 $328,571 $2,388 4.40%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 63 $20,165,000 $320,079 $1,066 4.53%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 51 $17,935,000 $351,667 $163 4.50%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 56 $17,730,000 $316,607 $2,452 4.36%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 40 $14,730,000 $368,250 $1,390 4.38%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 40 $13,930,000 $348,250 $3,310 4.49%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 38 $13,310,000 $350,263 $854 4.39%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 33 $12,635,000 $382,879 $2,644 4.52%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 33 $11,605,000 $351,667 $2,318 4.28%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 26 $11,380,000 $437,692 $2,539 4.42%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 33 $11,235,000 $340,455 $1,749 4.46%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 36 $10,980,000 $305,000 $1,020 4.35%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 28 $9,650,000 $344,643 $1,551 4.58%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 30 $8,950,000 $298,333 $1,514 4.50%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 14 $8,430,000 $602,143 $2,514 4.51%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 24 $7,910,000 $329,583 $2,288 4.39%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 30 $7,870,000 $262,333 $1,299 4.49%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 27 $7,865,000 $291,296 $1,512 4.52%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 23 $7,835,000 $340,652 $1,536 4.42%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 19 $7,485,000 $393,947 $3,464 4.38%
RALEIGH-CARY, NC (FHA|USDA|VA) 23 $7,195,000 $312,826 $1,808 4.45%
RICHMOND, VA (FHA|USDA|VA) 19 $7,175,000 $377,632 $1,836 4.45%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 23 $6,735,000 $292,826 $1,525 4.63%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 19 $6,525,000 $343,421 $2,389 4.30%
COLUMBUS, OH (FHA|USDA|VA) 22 $6,380,000 $290,000 $2,005 4.43%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 12 $6,280,000 $523,333 $4,567 4.38%
Outside of Metro Areas 28 $6,070,000 $216,786 $1,849 4.47%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 7 $5,545,000 $792,143 $2,358 4.52%
BOISE CITY, ID (FHA|USDA|VA) 14 $5,130,000 $366,429 $2,256 4.59%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 15 $5,015,000 $334,333 $1,731 4.58%
JACKSONVILLE, FL (FHA|USDA|VA) 17 $5,005,000 $294,412 $2,064 4.47%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 11 $5,005,000 $455,000 $3,451 4.51%
COLUMBUS, IN (FHA|USDA|VA) 21 $4,785,000 $227,857 $904 4.43%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 12 $4,590,000 $382,500 $3,266 4.52%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 12 $4,530,000 $377,500 $2,874 4.29%
KANSAS CITY, MO-KS (FHA|USDA|VA) 17 $4,485,000 $263,824 $620 4.49%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 13 $4,205,000 $323,462 $2,380 4.23%
PITTSBURGH, PA (FHA|USDA|VA) 13 $4,205,000 $323,462 $1,444 4.52%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 11 $4,025,000 $365,909 $1,391 4.51%
HUNTSVILLE, AL (FHA|USDA|VA) 15 $3,945,000 $263,000 $983 4.48%
ST. LOUIS, MO-IL (FHA|USDA|VA) 12 $3,800,000 $316,667 $1,920 4.55%
SALT LAKE CITY, UT (FHA|USDA|VA) 10 $3,470,000 $347,000 $497 4.58%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 9 $3,095,000 $343,889 $2,109 4.66%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $2,840,000 $710,000 $154 4.66%
TULSA, OK (FHA|USDA|VA) 12 $2,830,000 $235,833 $1,497 4.46%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 10 $2,770,000 $277,000 $2,218 4.44%
AKRON, OH (FHA|USDA|VA) 12 $2,740,000 $228,333 $1,674 4.50%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 12 $2,570,000 $214,167 $2,080 4.68%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 9 $2,535,000 $281,667 $399 4.64%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 6 $2,510,000 $418,333 $1,823 4.48%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 9 $2,425,000 $269,444 $1,668 4.45%
LOUISVILLE, KY (FHA|USDA|VA) 10 $2,420,000 $242,000 $1,684 4.52%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 9 $2,355,000 $261,667 $1,297 4.64%
ROCHESTER, NY (FHA|USDA|VA) 7 $2,285,000 $326,429 $11 4.50%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 5 $2,165,000 $433,000 $2,009 4.48%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 7 $1,965,000 $280,714 $2,499 4.38%
CANTON-MASSILLON, OH (FHA|USDA|VA) 7 $1,965,000 $280,714 $1,769 4.63%
COLUMBIA, MO (FHA|USDA|VA) 7 $1,925,000 $275,000 $1,319 4.65%
SAVANNAH, GA (FHA|USDA|VA) 7 $1,905,000 $272,143 $1,884 4.47%
OKLAHOMA CITY, OK (FHA|USDA|VA) 8 $1,860,000 $232,500 $2,490 4.33%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 6 $1,770,000 $295,000 $397 4.34%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 6 $1,730,000 $288,333 $1,441 4.50%
GREELEY, CO (FHA|USDA|VA) 5 $1,715,000 $343,000 $4,095 4.43%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,710,000 $855,000 $3,139 4.13%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,695,000 $565,000 $1,995 4.75%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $1,650,000 $412,500 $3,001 4.44%
KNOXVILLE, TN (FHA|USDA|VA) 8 $1,640,000 $205,000 $1,393 4.49%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $1,600,000 $800,000 $1,634 4.56%
PORT ST. LUCIE, FL (FHA|USDA|VA) 7 $1,585,000 $226,429 $1,014 4.58%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $1,580,000 $395,000 $2,106 4.38%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 5 $1,545,000 $309,000 $1,837 4.63%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $1,530,000 $255,000 $1,726 4.34%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 5 $1,525,000 $305,000 $1,004 4.45%
NILES, MI (FHA|USDA|VA) 5 $1,455,000 $291,000 $965 4.35%
WICHITA, KS (FHA|USDA|VA) 6 $1,440,000 $240,000 $1,021 4.56%
ROANOKE, VA (FHA|USDA|VA) 6 $1,370,000 $228,333 $856 4.44%
CLEVELAND, TN (FHA|USDA|VA) 4 $1,320,000 $330,000 $2,786 4.50%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $1,315,000 $438,333 $2,341 4.50%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $1,295,000 $431,667 $55 4.25%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 4 $1,290,000 $322,500 $6,528 4.25%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $1,275,000 $255,000 $3,813 4.50%
WINCHESTER, VA-WV (FHA|USDA|VA) 5 $1,255,000 $251,000 $872 4.63%
BATON ROUGE, LA (FHA|USDA|VA) 5 $1,235,000 $247,000 $1,785 4.25%
Elko, NV (FHA|USDA|VA) 5 $1,225,000 $245,000 $3,122 4.20%
SPRINGFIELD, MA (FHA|USDA|VA) 4 $1,220,000 $305,000 $2,237 4.38%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $1,215,000 $405,000 $844 4.09%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 5 $1,205,000 $241,000 $771 4.38%
COLUMBIA, SC (FHA|USDA|VA) 5 $1,205,000 $241,000 $1,962 4.45%
CORPUS CHRISTI, TX (FHA|USDA|VA) 5 $1,195,000 $239,000 $2,557 4.13%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $1,190,000 $595,000 $2,390 4.69%
GREEN BAY, WI (FHA|USDA|VA) 5 $1,185,000 $237,000 $671 4.55%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 3 $1,165,000 $388,333 $1,564 4.63%
COLUMBUS, GA-AL (FHA|USDA|VA) 4 $1,100,000 $275,000 $791 4.57%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,100,000 $550,000 $236 4.63%
GRAND JUNCTION, CO (FHA|USDA|VA) 3 $1,085,000 $361,667 $2,442 4.75%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $1,065,000 $355,000 $666 4.75%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 5 $1,055,000 $211,000 $1,817 4.55%
APPLETON, WI (FHA|USDA|VA) 4 $1,040,000 $260,000 $833 4.03%
TUCSON, AZ (FHA|USDA|VA) 4 $1,040,000 $260,000 $2,415 4.44%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $1,040,000 $260,000 $886 4.42%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $1,035,000 $345,000 $3,218 4.50%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $1,015,000 $203,000 $2,516 4.30%
ROCKY MOUNT, NC (FHA|USDA|VA) 5 $965,000 $193,000 $132 4.53%
YORK-HANOVER, PA (FHA|USDA|VA) 5 $945,000 $189,000 $745 4.55%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $945,000 $315,000 $927 4.46%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $925,000 $308,333 $5,842 4.21%
FORT WAYNE, IN (FHA|USDA|VA) 4 $910,000 $227,500 $855 5.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $905,000 $301,667 $1,990 4.13%
CEDAR RAPIDS, IA (FHA|USDA|VA) 4 $890,000 $222,500 $666 4.47%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $840,000 $420,000 $5 4.63%
Findlay, OH (FHA|USDA|VA) 2 $820,000 $410,000 $3,315 4.38%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $800,000 $400,000 $1,346 3.94%
WILMINGTON, NC (FHA|USDA|VA) 2 $780,000 $390,000 $22 4.38%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $775,000 $258,333 $299 4.84%
IOWA CITY, IA (FHA|USDA|VA) 2 $760,000 $380,000 $47 4.57%
PROVO-OREM, UT (FHA|USDA|VA) 3 $745,000 $248,333 $570 4.46%
LAKE CHARLES, LA (FHA|USDA|VA) 3 $735,000 $245,000 $5 4.79%
VALLEJO, CA (FHA|USDA|VA) 2 $730,000 $365,000 $1 4.57%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $710,000 $355,000 $0 4.57%
Starkville, MS (FHA|USDA|VA) 2 $700,000 $350,000 $1,037 4.26%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 3 $695,000 $231,667 $573 4.46%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $685,000 $228,333 $0 4.75%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $680,000 $340,000 $1,745 4.69%
ANN ARBOR, MI (FHA|USDA|VA) 2 $680,000 $340,000 $3,265 4.51%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $670,000 $335,000 $1,052 4.32%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $655,000 $218,333 $2,023 4.63%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $650,000 $325,000 $2,661 4.51%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $640,000 $320,000 $1,253 4.69%
VISALIA, CA (FHA|USDA|VA) 2 $620,000 $310,000 $1,324 4.63%
TOLEDO, OH (FHA|USDA|VA) 3 $615,000 $205,000 $1,714 4.04%
MONTGOMERY, AL (FHA|USDA|VA) 2 $610,000 $305,000 $808 4.75%
EL CENTRO, CA (FHA|USDA|VA) 2 $590,000 $295,000 $0 4.57%
MIDLAND, TX (FHA|USDA|VA) 2 $590,000 $295,000 $821 4.88%
MEDFORD, OR (FHA|USDA|VA) 2 $590,000 $295,000 $1,195 4.82%
Danville, VA (FHA|USDA|VA) 2 $590,000 $295,000 $0 4.38%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $585,000 $585,000 $4,174 4.75%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $585,000 $195,000 $1,346 4.42%
FORT COLLINS, CO (FHA|USDA|VA) 2 $580,000 $290,000 $1,215 4.25%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $580,000 $290,000 $1,373 4.07%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $570,000 $285,000 $2,364 4.44%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $560,000 $280,000 $0 4.26%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 2 $550,000 $275,000 $298 4.76%
TOPEKA, KS (FHA|USDA|VA) 2 $550,000 $275,000 $2 5.26%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $540,000 $270,000 $1,479 4.57%
LAWTON, OK (FHA|USDA|VA) 2 $540,000 $270,000 $0 4.69%
RENO, NV (FHA|USDA|VA) 1 $535,000 $535,000 $1,477 4.13%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $520,000 $260,000 $2,010 4.38%
FARMINGTON, NM (FHA|USDA|VA) 2 $520,000 $260,000 $3,588 4.69%
GAINESVILLE, FL (FHA|USDA|VA) 2 $520,000 $260,000 $3,906 4.38%
VICTORIA, TX (FHA|USDA|VA) 2 $500,000 $250,000 $2,255 5.07%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $490,000 $245,000 $1,482 4.44%
Bozeman, MT (FHA|USDA|VA) 1 $485,000 $485,000 $1,392 4.50%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $470,000 $235,000 $1,212 4.63%
DULUTH, MN-WI (FHA|USDA|VA) 2 $470,000 $235,000 $520 4.57%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $460,000 $230,000 $0 4.94%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $460,000 $230,000 $1,106 4.44%
LONGVIEW, TX (FHA|USDA|VA) 2 $460,000 $230,000 $1,182 4.57%
Gillette, WY (FHA|USDA|VA) 1 $455,000 $455,000 $0 4.63%
DECATUR, AL (FHA|USDA|VA) 2 $450,000 $225,000 $248 4.32%
Coffeyville, KS (FHA|USDA|VA) 4 $450,000 $112,500 $888 4.47%
Kerrville, TX (FHA|USDA|VA) 1 $445,000 $445,000 $3,430 4.75%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $445,000 $445,000 $4,480 5.00%
Russellville, AR (FHA|USDA|VA) 2 $440,000 $220,000 $3,023 4.51%
DUBUQUE, IA (FHA|USDA|VA) 1 $435,000 $435,000 $192 4.13%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $435,000 $435,000 $0 4.88%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $420,000 $210,000 $575 4.57%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $410,000 $205,000 $6,384 4.00%
Warsaw, IN (FHA|USDA|VA) 2 $410,000 $205,000 $96 4.26%
ROCKFORD, IL (FHA|USDA|VA) 2 $410,000 $205,000 $0 4.57%
Madison, IN (FHA|USDA|VA) 1 $405,000 $405,000 $850 4.75%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $400,000 $200,000 $787 4.25%
Albemarle, NC (FHA|USDA|VA) 2 $400,000 $200,000 $5,293 4.19%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $400,000 $200,000 $4,620 4.76%
LONGVIEW, WA (FHA|USDA|VA) 1 $395,000 $395,000 $2,118 4.63%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $385,000 $385,000 $83 4.50%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $375,000 $375,000 $3,673 4.50%
BURLINGTON, NC (FHA|USDA|VA) 1 $365,000 $365,000 $0 4.63%
KOKOMO, IN (FHA|USDA|VA) 2 $360,000 $180,000 $44 4.44%
Auburn, IN (FHA|USDA|VA) 1 $355,000 $355,000 $400 4.38%
FAIRBANKS, AK (FHA|USDA|VA) 1 $345,000 $345,000 $0 4.63%
LUBBOCK, TX (FHA|USDA|VA) 1 $345,000 $345,000 $2,153 4.50%
POCATELLO, ID (FHA|USDA|VA) 1 $345,000 $345,000 $6,212 4.00%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $335,000 $335,000 $0 4.75%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $335,000 $335,000 $1,192 4.63%
Freeport, IL (FHA|USDA|VA) 2 $330,000 $165,000 $939 4.32%
Wapakoneta, OH (FHA|USDA|VA) 1 $325,000 $325,000 $0 4.50%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $325,000 $325,000 $2,787 5.13%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $325,000 $325,000 $3,387 4.63%
ERIE, PA (FHA|USDA|VA) 2 $320,000 $160,000 $3,146 4.25%
JACKSON, MS (FHA|USDA|VA) 1 $305,000 $305,000 $168 4.88%
STAUNTON, VA (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.75%
Ellensburg, WA (FHA|USDA|VA) 1 $305,000 $305,000 $12,664 4.00%
DOVER, DE (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.75%
YUBA CITY, CA (FHA|USDA|VA) 1 $305,000 $305,000 $3,750 3.88%
GREENVILLE, NC (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.63%
Hobbs, NM (FHA|USDA|VA) 1 $295,000 $295,000 $8,643 3.88%
AMARILLO, TX (FHA|USDA|VA) 1 $295,000 $295,000 $1,847 4.38%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $295,000 $295,000 $11 4.88%
Easton, MD (FHA|USDA|VA) 1 $285,000 $285,000 $0 4.75%
PANAMA CITY, FL (FHA|USDA|VA) 1 $285,000 $285,000 $3,202 3.50%
GADSDEN, AL (FHA|USDA|VA) 1 $285,000 $285,000 $4,830 4.50%
The Dalles, OR (FHA|USDA|VA) 1 $285,000 $285,000 $2,267 4.63%
OCALA, FL (FHA|USDA|VA) 1 $285,000 $285,000 $1,450 4.63%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $2,089 4.25%
WHEELING, WV-OH (FHA|USDA|VA) 2 $280,000 $140,000 $0 4.88%
NAPA, CA (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $275,000 $275,000 $1,376 4.75%
OWENSBORO, KY (FHA|USDA|VA) 1 $275,000 $275,000 $7,233 3.75%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $275,000 $275,000 $5,843 3.50%
SALEM, OR (FHA|USDA|VA) 1 $275,000 $275,000 $775 5.13%
Fernley, NV (FHA|USDA|VA) 1 $265,000 $265,000 $9,033 4.38%
HINESVILLE, GA (FHA|USDA|VA) 1 $265,000 $265,000 $1,588 4.00%
Vernal, UT (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.25%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,028 5.25%
Red Wing, MN (FHA|USDA|VA) 1 $245,000 $245,000 $6,146 4.88%
Cookeville, TN (FHA|USDA|VA) 1 $245,000 $245,000 $4,288 4.88%
Rockport, TX (FHA|USDA|VA) 1 $245,000 $245,000 $1,716 4.25%
Ruston, LA (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.75%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $245,000 $245,000 $7,078 4.25%
LIMA, OH (FHA|USDA|VA) 1 $245,000 $245,000 $2,119 4.63%
Frankfort, KY (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.75%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.50%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.38%
Owatonna, MN (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.00%
Andrews, TX (FHA|USDA|VA) 1 $235,000 $235,000 $1,549 4.50%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $235,000 $235,000 $1,497 4.63%
MONROE, MI (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.63%
Brookhaven, MS (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.00%
RAPID CITY, SD (FHA|USDA|VA) 1 $235,000 $235,000 $4,080 4.25%
LAWRENCE, KS (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.38%
Marshalltown, IA (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.50%
Fergus Falls, MN (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.25%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $225,000 $225,000 $2,149 4.63%
Kendallville, IN (FHA|USDA|VA) 1 $225,000 $225,000 $250 4.25%
Laurinburg, NC (FHA|USDA|VA) 1 $225,000 $225,000 $1,961 4.00%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $225,000 $225,000 $0 5.00%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.63%
MOBILE, AL (FHA|USDA|VA) 1 $215,000 $215,000 $2,433 3.88%
Jamestown, ND (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.00%
Danville, KY (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.63%
Sandusky, OH (FHA|USDA|VA) 1 $205,000 $205,000 $333 4.50%
FRESNO, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.00%
Lufkin, TX (FHA|USDA|VA) 1 $205,000 $205,000 $5,530 4.13%
CHARLESTON, WV (FHA|USDA|VA) 1 $195,000 $195,000 $4,574 4.25%
Concord, NH (FHA|USDA|VA) 1 $195,000 $195,000 $2,774 4.50%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $195,000 $195,000 $1,569 4.25%
LYNCHBURG, VA (FHA|USDA|VA) 1 $195,000 $195,000 $2,049 4.63%
Ottawa, IL (FHA|USDA|VA) 1 $185,000 $185,000 $629 4.63%
Zanesville, OH (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.38%
Seymour, IN (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.63%
Enterprise, AL (FHA|USDA|VA) 1 $185,000 $185,000 $3,978 4.88%
JACKSON, MI (FHA|USDA|VA) 1 $185,000 $185,000 $3,207 4.75%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $185,000 $185,000 $301 4.63%
ST. CLOUD, MN (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.50%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $175,000 $175,000 $1,232 4.75%
El Dorado, AR (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.63%
Athens, TN (FHA|USDA|VA) 1 $175,000 $175,000 $4,453 4.13%
Laurel, MS (FHA|USDA|VA) 1 $165,000 $165,000 $1,636 4.63%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $165,000 $165,000 $4,147 4.25%
Pampa, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,083 4.25%
Marion, IN (FHA|USDA|VA) 1 $165,000 $165,000 $89 4.25%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $165,000 $165,000 $1,807 4.63%
Dayton, TN (FHA|USDA|VA) 1 $165,000 $165,000 $22 3.75%
McComb, MS (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.38%
Hutchinson, MN (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.88%
Mayfield, KY (FHA|USDA|VA) 1 $155,000 $155,000 $2,145 5.13%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $155,000 $155,000 $391 4.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $155,000 $155,000 $1,479 4.50%
FLINT, MI (FHA|USDA|VA) 1 $155,000 $155,000 $480 4.50%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.50%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.75%
Brownwood, TX (FHA|USDA|VA) 1 $145,000 $145,000 $1,777 5.00%
JACKSON, TN (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.88%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $145,000 $145,000 $2,728 3.88%
Rutland, VT (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.88%
MANSFIELD, OH (FHA|USDA|VA) 1 $135,000 $135,000 $1 4.75%
Fredericksburg, TX (FHA|USDA|VA) 1 $135,000 $135,000 $2,538 4.00%
SAN ANGELO, TX (FHA|USDA|VA) 1 $135,000 $135,000 $952 4.63%
Paducah, KY-IL (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.75%
New Ulm, MN (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.00%
Sidney, OH (FHA|USDA|VA) 1 $115,000 $115,000 $1,986 4.50%
Glasgow, KY (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.75%
Albertville, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.50%
MUNCIE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $1,237 5.00%
Olean, NY (FHA|USDA|VA) 1 $105,000 $105,000 $2,073 5.00%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.00%
Rochelle, IL (FHA|USDA|VA) 1 $85,000 $85,000 $2,131 5.13%
Tupelo, MS (FHA|USDA|VA) 1 $85,000 $85,000 $1,224 4.63%
Salina, KS (FHA|USDA|VA) 1 $55,000 $55,000 $1,213 4.75%
Sirva Mortgage's top markets include Dallas, Minneapolis, San Francisco, Houston, and Chicago among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (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 1,465 $462,395,000 $315,628 $1,219 4.51%
    VA 121 $43,555,000 $359,959 $5,647 4.16%
    FHA 83 $20,825,000 $250,904 $5,577 4.24%

    For 2018, Sirva Mortgage's most frequently originated type of loan was Conventional, with 1,465 originations. Their 2nd most popular type was VA, with 121 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,651 $522,875,000 $316,702 $1,749 4.47%
    Other 8 $1,510,000 $188,750 $2,086 4.21%
    Cash Out Refi 5 $1,315,000 $263,000 $2,774 4.60%
    Refi 4 $960,000 $240,000 $2,992 5.00%
    Home Improvement 1 $115,000 $115,000 $1,787 4.75%

    For 2018, Sirva Mortgage's most frequently cited loan purpose was Home Purchase, with 1,651 originations. The 2nd most popular reason was Other, with 8 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,389 $457,485,000 $329,363 $1,916 4.52%
    15 Year 145 $34,705,000 $239,345 $1,378 4.05%
    20 Year 64 $15,930,000 $248,906 $908 4.31%
    5 Year 49 $10,585,000 $216,020 $0 0.00%
    10 Year 22 $8,070,000 $366,818 $517 3.99%

    For 2018, Sirva Mortgage's most frequently cited loan duration was 30 Year, with 1,389 originations. The 2nd most popular length was 15 Year, with 145 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,603 $503,395,000 $314,033
    $1k-2k 24 $7,580,000 $315,833
    $2k-3k 12 $4,120,000 $343,333
    $5k+ 12 $5,970,000 $497,500
    $3k-4k 9 $2,385,000 $265,000
    $4k-5k 8 $3,200,000 $400,000

    Sirva Mortgage's average total fees were $1,916, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,603 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,264 $399,690,000 $316,210
    3-4% 266 $89,130,000 $335,075
    5-6% 82 $22,000,000 $268,293
    2.5-3% 1 $105,000 $105,000

    During 2018, Sirva Mortgage's average interest rate for loans was 4.52%, while their most frequently originated rate bucket for loans was 4-5%, with 1,264 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 945 $272,635,000 $288,503 $1,680 4.47%
    $100k-200k 321 $49,705,000 $154,844 $1,326 4.51%
    $400k-600k 286 $132,850,000 $464,510 $2,345 4.45%
    $600k-1MM 63 $45,925,000 $728,968 $2,934 4.25%
    $100,000 or less 36 $2,770,000 $76,944 $813 4.59%
    $1MM+ 18 $22,890,000 $1,271,667 $1,873 4.41%

    2018 saw Sirva Mortgage place emphasis on $200k-400k loans with 945 originations, totaling $272,635,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 591 $167,115,000 $282,766 $1,658 4.48%
    $150k-250k 515 $189,095,000 $367,175 $1,713 4.45%
    $75k-100k 291 $68,405,000 $235,069 $1,874 4.47%
    $250k+ 139 $77,855,000 $560,108 $1,776 4.32%
    $50k-75k 123 $23,015,000 $187,114 $2,080 4.61%
    $50k or less 10 $1,290,000 $129,000 $2,183 4.65%

    Sirva Mortgage lent most frequently to those with incomes in the $100k-150k range, with 591 originations. The second most popular income band? $150k-250k, with 515 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 398 $120,680,000 $303,216 $1,459 4.45%
    30-36% 365 $124,835,000 $342,014 $1,792 4.48%
    <20% 170 $40,780,000 $239,882 $1,350 4.39%
    40% 74 $23,150,000 $312,838 $2,242 4.38%
    42% 63 $23,375,000 $371,032 $1,642 4.43%
    36% 55 $19,465,000 $353,909 $2,093 4.32%
    41% 55 $19,595,000 $356,273 $1,363 4.47%
    45% 52 $16,010,000 $307,885 $2,461 4.47%
    37% 52 $19,080,000 $366,923 $1,656 4.46%
    38% 52 $16,300,000 $313,462 $1,723 4.55%
    48% 50 $15,180,000 $303,600 $2,081 4.57%
    39% 50 $17,270,000 $345,400 $2,291 4.59%
    43% 49 $13,945,000 $284,592 $1,567 4.57%
    44% 45 $15,315,000 $340,333 $2,284 4.57%
    46% 42 $13,010,000 $309,762 $2,501 4.57%
    47% 33 $10,075,000 $305,303 $1,457 4.55%
    49% 32 $8,870,000 $277,188 $1,359 4.59%
    50-60% 32 $9,840,000 $307,500 $3,415 4.31%

    Sirva Mortgage lent most frequently to those with DTI ratios of 20-30%, with 398 originations. The next most common DTI ratio? 30-36%, with 365 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,400 $439,680,000 $314,057 $1,777 4.47%
    Asian 105 $32,705,000 $311,476 $1,473 4.31%
    Not provided 85 $27,235,000 $320,412 $1,466 4.50%
    Black 57 $19,405,000 $340,439 $1,814 4.54%
    American Indian 16 $5,750,000 $359,375 $3,415 4.48%
    Native Hawaiian or Islander 5 $1,425,000 $285,000 $1,469 4.40%
    Asian Indian 1 $575,000 $575,000 $42 5.13%

    Approval Rates

    Total approvals of all applications
    98.06%

    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
    66.39%

    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 1,669 $526,775,000 $315,623

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 1,669 $526,775,000 $315,623

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 72 $16,590,000 $230,417 $1,083 4.30%
    40-60% 112 $30,860,000 $275,536 $1,113 4.31%
    60-80% 474 $165,850,000 $349,895 $1,446 4.45%
    80-100% 951 $299,555,000 $314,989 $1,864 4.51%
    Over 100% 23 $7,775,000 $338,043 $11,530 4.13%
    Under 20% 37 $6,145,000 $166,081 $130 4.44%