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, Houston, Nashville, Phoenix, and Minneapolis among others. We have data for 313 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% 5/5/24
30 Year Conventional Refi 5.91% 5/5/24
30 Year Cash-out Refi 6.77% 5/5/24
30 Year FHA Purchase 7.33% 5/5/24
30 Year VA Purchase 6.18% 5/5/24
15 Year Conventional Purchase 5.69% 5/5/24
15 Year Conventional Refi 5.75% 5/5/24
15 Year Cash-out Refi 5.75% 5/5/24
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

2,322

Origination Dollar Volume (All Markets)

$771,660,000
Show all (34) 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) 94 $30,990,000 $329,681 $2,236 3.02%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 86 $27,210,000 $316,395 $2,967 3.01%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 59 $26,935,000 $456,525 $1,768 3.16%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 69 $24,175,000 $350,362 $2,087 3.24%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 71 $22,855,000 $321,901 $1,335 3.11%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 62 $22,600,000 $364,516 $1,773 3.11%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 51 $21,015,000 $412,059 $2,047 3.17%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 54 $19,450,000 $360,185 $1,089 3.17%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 39 $18,105,000 $464,231 $2,575 3.14%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 42 $17,100,000 $407,143 $1,646 2.92%
ALBUQUERQUE, NM (FHA|USDA|VA) 57 $16,445,000 $288,509 $2,161 2.99%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 47 $15,265,000 $324,787 $1,822 3.12%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 40 $15,110,000 $377,750 $2,768 3.02%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 40 $14,000,000 $350,000 $524 0.63%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 25 $13,555,000 $542,200 $1,339 3.12%
KANSAS CITY, MO-KS (FHA|USDA|VA) 44 $12,940,000 $294,091 $1,154 3.11%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 18 $12,150,000 $675,000 $2,054 3.28%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 31 $11,645,000 $375,645 $1,103 3.23%
JACKSONVILLE, FL (FHA|USDA|VA) 31 $11,535,000 $372,097 $2,332 3.04%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 32 $10,690,000 $334,063 $2,047 3.10%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 31 $10,405,000 $335,645 $2,997 3.11%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 30 $10,220,000 $340,667 $1,522 3.07%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 25 $9,945,000 $397,800 $2,129 3.23%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 47 $9,755,000 $207,553 $1,888 2.92%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 22 $9,110,000 $414,091 $2,984 3.05%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 23 $8,765,000 $381,087 $2,058 3.03%
COLUMBUS, OH (FHA|USDA|VA) 30 $8,680,000 $289,333 $1,797 3.17%
Outside of Metro Areas 34 $8,470,000 $249,118 $1,712 3.16%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 26 $8,160,000 $313,846 $3,186 3.07%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 28 $7,730,000 $276,071 $1,320 3.05%
RALEIGH-CARY, NC (FHA|USDA|VA) 22 $7,460,000 $339,091 $1,564 3.16%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 16 $7,380,000 $461,250 $1,335 2.90%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 24 $6,900,000 $287,500 $1,129 3.20%
RICHMOND, VA (FHA|USDA|VA) 22 $6,820,000 $310,000 $2,239 3.10%
AKRON, OH (FHA|USDA|VA) 24 $6,200,000 $258,333 $1,500 2.94%
BOISE CITY, ID (FHA|USDA|VA) 16 $5,620,000 $351,250 $1,207 3.07%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 20 $5,450,000 $272,500 $1,182 3.13%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 20 $5,380,000 $269,000 $2,809 3.08%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 14 $5,370,000 $383,571 $2,990 2.96%
KNOXVILLE, TN (FHA|USDA|VA) 18 $5,140,000 $285,556 $1,911 3.24%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 16 $5,130,000 $320,625 $3,361 3.16%
ST. LOUIS, MO-IL (FHA|USDA|VA) 19 $4,865,000 $256,053 $906 3.22%
TULSA, OK (FHA|USDA|VA) 17 $4,725,000 $277,941 $639 3.21%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 8 $4,620,000 $577,500 $1,338 3.09%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 15 $4,605,000 $307,000 $983 3.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 10 $4,540,000 $454,000 $1,978 3.03%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 11 $4,475,000 $406,818 $1,135 2.84%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 15 $4,335,000 $289,000 $2,975 3.06%
WINSTON-SALEM, NC (FHA|USDA|VA) 13 $4,275,000 $328,846 $1,533 3.39%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 8 $4,170,000 $521,250 $979 3.28%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 15 $4,115,000 $274,333 $2,113 3.20%
PORT ST. LUCIE, FL (FHA|USDA|VA) 14 $4,080,000 $291,429 $830 3.11%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 8 $3,850,000 $481,250 $620 3.20%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 10 $3,830,000 $383,000 $1,935 2.96%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 11 $3,805,000 $345,909 $1,065 2.99%
COLUMBUS, IN (FHA|USDA|VA) 12 $3,570,000 $297,500 $738 3.30%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $3,480,000 $870,000 $1,851 3.19%
ASHEVILLE, NC (FHA|USDA|VA) 10 $3,430,000 $343,000 $1,079 3.15%
TOLEDO, OH (FHA|USDA|VA) 12 $3,220,000 $268,333 $2,036 3.26%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 8 $3,060,000 $382,500 $1,941 2.98%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $3,055,000 $611,000 $1,601 3.23%
CORPUS CHRISTI, TX (FHA|USDA|VA) 9 $2,935,000 $326,111 $1,947 3.13%
LOUISVILLE, KY (FHA|USDA|VA) 9 $2,775,000 $308,333 $913 2.89%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 6 $2,750,000 $458,333 $448 3.40%
HUNTSVILLE, AL (FHA|USDA|VA) 9 $2,665,000 $296,111 $1,353 3.36%
OKLAHOMA CITY, OK (FHA|USDA|VA) 9 $2,655,000 $295,000 $1,846 3.13%
CEDAR RAPIDS, IA (FHA|USDA|VA) 10 $2,640,000 $264,000 $1,820 3.24%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 7 $2,585,000 $369,286 $360 3.27%
RENO, NV (FHA|USDA|VA) 6 $2,570,000 $428,333 $1,250 3.21%
SALT LAKE CITY, UT (FHA|USDA|VA) 7 $2,555,000 $365,000 $2,132 3.21%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 7 $2,555,000 $365,000 $3,786 3.11%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 7 $2,475,000 $353,571 $516 3.50%
FAYETTEVILLE, NC (FHA|USDA|VA) 11 $2,325,000 $211,364 $1,360 3.23%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 7 $2,155,000 $307,857 $3,338 3.07%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 6 $2,120,000 $353,333 $2,443 2.85%
PITTSBURGH, PA (FHA|USDA|VA) 8 $1,960,000 $245,000 $3,226 3.19%
MIDLAND, TX (FHA|USDA|VA) 6 $1,940,000 $323,333 $4,591 3.17%
AMARILLO, TX (FHA|USDA|VA) 6 $1,930,000 $321,667 $6,272 2.98%
SPRINGFIELD, MO (FHA|USDA|VA) 6 $1,910,000 $318,333 $1,056 3.06%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 9 $1,835,000 $203,889 $2,396 3.08%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 6 $1,820,000 $303,333 $71 3.19%
WORCESTER, MA-CT (FHA|USDA|VA) 5 $1,695,000 $339,000 $970 3.10%
SPRINGFIELD, MA (FHA|USDA|VA) 6 $1,690,000 $281,667 $1,995 2.92%
WICHITA, KS (FHA|USDA|VA) 6 $1,670,000 $278,333 $856 2.79%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 4 $1,660,000 $415,000 $2,265 3.28%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 5 $1,655,000 $331,000 $1,512 3.05%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 6 $1,630,000 $271,667 $583 2.98%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $1,595,000 $531,667 $9,202 2.96%
STOCKTON, CA (FHA|USDA|VA) 3 $1,425,000 $475,000 $587 3.38%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $1,405,000 $281,000 $781 3.03%
CANTON-MASSILLON, OH (FHA|USDA|VA) 6 $1,380,000 $230,000 $1,882 3.04%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $1,380,000 $690,000 $11,196 2.88%
VALLEJO, CA (FHA|USDA|VA) 4 $1,370,000 $342,500 $1,486 2.13%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $1,360,000 $340,000 $1,425 3.25%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 5 $1,345,000 $269,000 $792 3.38%
PROVO-OREM, UT (FHA|USDA|VA) 4 $1,330,000 $332,500 $1,007 2.97%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 4 $1,320,000 $330,000 $394 3.06%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $1,305,000 $435,000 $1,257 3.42%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $1,290,000 $322,500 $4,673 3.00%
FORT WAYNE, IN (FHA|USDA|VA) 7 $1,285,000 $183,571 $984 2.96%
COLORADO SPRINGS, CO (FHA|USDA|VA) 4 $1,270,000 $317,500 $394 2.84%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $1,230,000 $307,500 $941 3.19%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $1,200,000 $300,000 $2,801 3.25%
COLUMBUS, GA-AL (FHA|USDA|VA) 4 $1,180,000 $295,000 $3,860 3.41%
FLORENCE, SC (FHA|USDA|VA) 4 $1,170,000 $292,500 $2,217 2.94%
Dayton, TN (FHA|USDA|VA) 4 $1,170,000 $292,500 $5,160 3.34%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 5 $1,135,000 $227,000 $1,051 3.40%
COLUMBIA, SC (FHA|USDA|VA) 5 $1,135,000 $227,000 $1,786 2.98%
SYRACUSE, NY (FHA|USDA|VA) 5 $1,125,000 $225,000 $1,132 3.05%
APPLETON, WI (FHA|USDA|VA) 4 $1,080,000 $270,000 $1,576 2.94%
BATON ROUGE, LA (FHA|USDA|VA) 3 $1,025,000 $341,667 $0 2.75%
ROCKFORD, IL (FHA|USDA|VA) 4 $1,020,000 $255,000 $428 3.06%
TOPEKA, KS (FHA|USDA|VA) 4 $1,000,000 $250,000 $0 3.13%
CHICO, CA (FHA|USDA|VA) 3 $965,000 $321,667 $1,417 3.17%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 4 $960,000 $240,000 $1,298 3.41%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 4 $950,000 $237,500 $639 3.47%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $945,000 $315,000 $2,893 3.58%
CHARLESTON, WV (FHA|USDA|VA) 4 $930,000 $232,500 $1,887 3.22%
WINCHESTER, VA-WV (FHA|USDA|VA) 3 $925,000 $308,333 $1,377 3.08%
Aberdeen, SD (FHA|USDA|VA) 5 $905,000 $181,000 $1,686 3.08%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 3 $905,000 $301,667 $1,412 3.04%
SAVANNAH, GA (FHA|USDA|VA) 4 $900,000 $225,000 $1,212 2.97%
NAPA, CA (FHA|USDA|VA) 2 $900,000 $450,000 $3,514 3.31%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $890,000 $445,000 $3,137 2.88%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $880,000 $440,000 $2,977 2.81%
POCATELLO, ID (FHA|USDA|VA) 3 $875,000 $291,667 $1,553 3.38%
JACKSON, MS (FHA|USDA|VA) 4 $860,000 $215,000 $988 3.31%
LONGVIEW, WA (FHA|USDA|VA) 2 $840,000 $420,000 $1,022 3.31%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $835,000 $278,333 $1,249 3.13%
OCALA, FL (FHA|USDA|VA) 3 $825,000 $275,000 $3,835 3.04%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $810,000 $405,000 $1,393 3.13%
WACO, TX (FHA|USDA|VA) 3 $805,000 $268,333 $2,164 3.38%
LUBBOCK, TX (FHA|USDA|VA) 2 $800,000 $400,000 $2,804 3.06%
TWIN FALLS, ID (FHA|USDA|VA) 3 $795,000 $265,000 $2,278 2.83%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $790,000 $395,000 $2,194 2.81%
YORK-HANOVER, PA (FHA|USDA|VA) 3 $775,000 $258,333 $0 2.75%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 3 $755,000 $251,667 $3,489 3.08%
ROANOKE, VA (FHA|USDA|VA) 4 $750,000 $187,500 $1,675 3.31%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $725,000 $725,000 $0 3.00%
TUCSON, AZ (FHA|USDA|VA) 3 $725,000 $241,667 $807 3.25%
MADISON, WI (FHA|USDA|VA) 2 $710,000 $355,000 $906 3.31%
BANGOR, ME (FHA|USDA|VA) 2 $700,000 $350,000 $430 2.88%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $690,000 $345,000 $843 2.75%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $680,000 $340,000 $0 3.63%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $675,000 $225,000 $2,189 2.88%
LONGVIEW, TX (FHA|USDA|VA) 3 $675,000 $225,000 $1,832 2.88%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $660,000 $330,000 $1,112 3.31%
LAWTON, OK (FHA|USDA|VA) 3 $655,000 $218,333 $0 3.13%
LYNCHBURG, VA (FHA|USDA|VA) 2 $650,000 $325,000 $2,302 3.31%
Owatonna, MN (FHA|USDA|VA) 2 $650,000 $325,000 $0 3.63%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $640,000 $320,000 $363 3.19%
HARRISONBURG, VA (FHA|USDA|VA) 2 $610,000 $305,000 $20 3.06%
EL PASO, TX (FHA|USDA|VA) 2 $610,000 $305,000 $3,711 3.06%
SALEM, OR (FHA|USDA|VA) 2 $600,000 $300,000 $1,831 3.19%
ANN ARBOR, MI (FHA|USDA|VA) 2 $600,000 $300,000 $2,156 3.31%
WHEELING, WV-OH (FHA|USDA|VA) 2 $590,000 $295,000 $1,500 3.31%
LAFAYETTE, LA (FHA|USDA|VA) 2 $590,000 $295,000 $3,125 3.56%
GREEN BAY, WI (FHA|USDA|VA) 2 $590,000 $295,000 $1,967 3.00%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $570,000 $285,000 $1,199 2.94%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 3 $565,000 $188,333 $1,052 3.21%
CLEVELAND, TN (FHA|USDA|VA) 2 $550,000 $275,000 $0 3.56%
FARGO, ND-MN (FHA|USDA|VA) 1 $545,000 $545,000 $0 2.88%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $540,000 $270,000 $2,392 2.69%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $530,000 $265,000 $2,458 2.88%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $520,000 $260,000 $2,316 3.19%
LAWRENCE, KS (FHA|USDA|VA) 2 $520,000 $260,000 $862 3.31%
MONROE, MI (FHA|USDA|VA) 3 $515,000 $171,667 $1,909 3.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $510,000 $255,000 $1,822 2.94%
GOLDSBORO, NC (FHA|USDA|VA) 2 $510,000 $255,000 $0 3.13%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $505,000 $505,000 $3,040 3.13%
Seneca, SC (FHA|USDA|VA) 1 $505,000 $505,000 $100 2.75%
MANSFIELD, OH (FHA|USDA|VA) 2 $500,000 $250,000 $113 3.19%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $485,000 $485,000 $0 0.00%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $480,000 $240,000 $2,013 2.94%
Jasper, AL (FHA|USDA|VA) 1 $475,000 $475,000 $0 2.50%
Sevierville, TN (FHA|USDA|VA) 1 $475,000 $475,000 $2,941 2.75%
BURLINGTON, NC (FHA|USDA|VA) 2 $470,000 $235,000 $0 3.38%
CASPER, WY (FHA|USDA|VA) 2 $470,000 $235,000 $0 3.06%
Centralia, WA (FHA|USDA|VA) 1 $465,000 $465,000 $2,094 2.88%
Russellville, AR (FHA|USDA|VA) 2 $460,000 $230,000 $0 2.88%
Levelland, TX (FHA|USDA|VA) 1 $455,000 $455,000 $2,577 2.88%
WENATCHEE, WA (FHA|USDA|VA) 1 $445,000 $445,000 $0 2.88%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $445,000 $445,000 $506 2.88%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $430,000 $215,000 $1,099 3.38%
Danville, VA (FHA|USDA|VA) 2 $430,000 $215,000 $5,578 3.38%
Wilson, NC (FHA|USDA|VA) 2 $430,000 $215,000 $996 3.31%
FOND DU LAC, WI (FHA|USDA|VA) 1 $425,000 $425,000 $0 3.63%
Fredericksburg, TX (FHA|USDA|VA) 1 $425,000 $425,000 $1,934 3.25%
Adrian, MI (FHA|USDA|VA) 3 $425,000 $141,667 $831 4.00%
Andrews, TX (FHA|USDA|VA) 1 $425,000 $425,000 $2,458 3.63%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $415,000 $415,000 $1,836 2.38%
Ottawa, IL (FHA|USDA|VA) 2 $410,000 $205,000 $93 3.56%
SAN ANGELO, TX (FHA|USDA|VA) 1 $405,000 $405,000 $200 2.63%
MEDFORD, OR (FHA|USDA|VA) 1 $405,000 $405,000 $1,058 2.88%
CHEYENNE, WY (FHA|USDA|VA) 1 $395,000 $395,000 $2,032 2.88%
Helena, MT (FHA|USDA|VA) 1 $395,000 $395,000 $2,709 3.25%
FORT COLLINS, CO (FHA|USDA|VA) 1 $385,000 $385,000 $1,626 2.75%
Warrensburg, MO (FHA|USDA|VA) 1 $385,000 $385,000 $595 3.00%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $385,000 $385,000 $2,000 3.75%
Starkville, MS (FHA|USDA|VA) 2 $380,000 $190,000 $33 3.63%
Roseburg, OR (FHA|USDA|VA) 1 $375,000 $375,000 $2,462 3.00%
REDDING, CA (FHA|USDA|VA) 1 $375,000 $375,000 $413 3.25%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $375,000 $375,000 $0 2.38%
PUEBLO, CO (FHA|USDA|VA) 1 $375,000 $375,000 $1 3.75%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $370,000 $185,000 $646 2.50%
EAU CLAIRE, WI (FHA|USDA|VA) 2 $370,000 $185,000 $912 3.13%
Clarksburg, WV (FHA|USDA|VA) 1 $365,000 $365,000 $2,532 3.13%
Rolla, MO (FHA|USDA|VA) 1 $365,000 $365,000 $0 3.00%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $360,000 $180,000 $2,509 3.38%
JOPLIN, MO (FHA|USDA|VA) 2 $360,000 $180,000 $1,478 2.94%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $355,000 $355,000 $0 3.38%
GREENVILLE, NC (FHA|USDA|VA) 2 $350,000 $175,000 $921 3.50%
KINGSTON, NY (FHA|USDA|VA) 1 $345,000 $345,000 $282 2.75%
VICTORIA, TX (FHA|USDA|VA) 2 $340,000 $170,000 $2,584 2.69%
COLUMBIA, MO (FHA|USDA|VA) 2 $340,000 $170,000 $767 3.06%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $335,000 $335,000 $195 2.88%
Paris, TN (FHA|USDA|VA) 1 $335,000 $335,000 $0 3.75%
Concord, NH (FHA|USDA|VA) 1 $335,000 $335,000 $0 3.00%
Astoria, OR (FHA|USDA|VA) 1 $325,000 $325,000 $0 2.63%
Greenville, OH (FHA|USDA|VA) 1 $325,000 $325,000 $1,827 3.38%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $325,000 $325,000 $1,342 2.13%
MUNCIE, IN (FHA|USDA|VA) 2 $320,000 $160,000 $1,580 3.69%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $315,000 $315,000 $0 3.88%
Pella, IA (FHA|USDA|VA) 1 $315,000 $315,000 $0 3.75%
PITTSFIELD, MA (FHA|USDA|VA) 1 $315,000 $315,000 $2,853 3.13%
GETTYSBURG, PA (FHA|USDA|VA) 1 $315,000 $315,000 $0 2.88%
Sedalia, MO (FHA|USDA|VA) 1 $315,000 $315,000 $750 3.75%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $305,000 $305,000 $0 2.88%
Jacksonville, TX (FHA|USDA|VA) 1 $305,000 $305,000 $4,862 3.88%
MODESTO, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.13%
LOGAN, UT-ID (FHA|USDA|VA) 1 $295,000 $295,000 $1,829 3.13%
Outside of Metro Areas 1 $295,000 $295,000 $3,210 3.50%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $285,000 $285,000 $2,276 3.25%
Zanesville, OH (FHA|USDA|VA) 1 $285,000 $285,000 $910 2.88%
ROCHESTER, NY (FHA|USDA|VA) 1 $285,000 $285,000 $0 2.75%
ERIE, PA (FHA|USDA|VA) 1 $285,000 $285,000 $0 2.88%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $275,000 $275,000 $3,767 3.38%
BILLINGS, MT (FHA|USDA|VA) 1 $275,000 $275,000 $998 4.75%
DULUTH, MN-WI (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.38%
RACINE, WI (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.63%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $275,000 $275,000 $2,308 3.13%
MOBILE, AL (FHA|USDA|VA) 1 $275,000 $275,000 $495 3.00%
OWENSBORO, KY (FHA|USDA|VA) 1 $275,000 $275,000 $0 2.75%
Mountain Home, AR (FHA|USDA|VA) 1 $275,000 $275,000 $2,039 3.38%
GREAT FALLS, MT (FHA|USDA|VA) 1 $255,000 $255,000 $6,078 2.50%
Oxford, MS (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.00%
Farmington, MO (FHA|USDA|VA) 1 $255,000 $255,000 $0 2.88%
Mount Airy, NC (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.75%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $255,000 $255,000 $9,450 3.13%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $225,000 $225,000 $0 2.75%
Lewisburg, TN (FHA|USDA|VA) 1 $225,000 $225,000 $0 2.88%
Columbus, MS (FHA|USDA|VA) 1 $225,000 $225,000 $21 3.00%
GAINESVILLE, FL (FHA|USDA|VA) 1 $215,000 $215,000 $1,829 2.50%
Rutland, VT (FHA|USDA|VA) 1 $215,000 $215,000 $510 3.00%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $215,000 $215,000 $558 3.75%
Lewisburg, PA (FHA|USDA|VA) 1 $215,000 $215,000 $2,362 3.25%
Carroll, IA (FHA|USDA|VA) 1 $215,000 $215,000 $5,265 3.50%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $215,000 $215,000 $2,222 2.88%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $215,000 $215,000 $2,236 2.75%
Ludington, MI (FHA|USDA|VA) 1 $215,000 $215,000 $1,125 2.50%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $215,000 $215,000 $3,701 3.38%
Lawrenceburg, TN (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.38%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $205,000 $205,000 $2,093 3.00%
Cornelia, GA (FHA|USDA|VA) 1 $205,000 $205,000 $2,705 3.00%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $1,905 3.00%
Fremont, OH (FHA|USDA|VA) 1 $205,000 $205,000 $1,929 3.50%
Natchitoches, LA (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.88%
Moses Lake, WA (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.13%
Lebanon, MO (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.38%
Bozeman, MT (FHA|USDA|VA) 1 $195,000 $195,000 $2,116 3.25%
IOWA CITY, IA (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.50%
ANCHORAGE, AK (FHA|USDA|VA) 1 $195,000 $195,000 $1,703 3.00%
Dublin, GA (FHA|USDA|VA) 1 $195,000 $195,000 $2,380 2.38%
Fairmont, WV (FHA|USDA|VA) 1 $185,000 $185,000 $3,124 3.00%
DECATUR, AL (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.38%
Grenada, MS (FHA|USDA|VA) 1 $185,000 $185,000 $1,819 2.88%
Ashland, OH (FHA|USDA|VA) 1 $175,000 $175,000 $1,697 2.50%
PANAMA CITY, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,282 2.88%
CaƱon City, CO (FHA|USDA|VA) 1 $175,000 $175,000 $3,378 2.88%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $165,000 $165,000 $2,615 3.13%
Red Wing, MN (FHA|USDA|VA) 1 $165,000 $165,000 $0 2.38%
Brownwood, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,421 3.00%
Brookings, SD (FHA|USDA|VA) 1 $165,000 $165,000 $1,925 2.88%
KANKAKEE, IL (FHA|USDA|VA) 1 $165,000 $165,000 $2,423 2.88%
Hobbs, NM (FHA|USDA|VA) 1 $155,000 $155,000 $1,314 3.38%
KOKOMO, IN (FHA|USDA|VA) 1 $155,000 $155,000 $367 3.38%
Warsaw, IN (FHA|USDA|VA) 1 $155,000 $155,000 $886 3.38%
BISMARCK, ND (FHA|USDA|VA) 1 $155,000 $155,000 $263 3.50%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.00%
Alexandria, MN (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.75%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.00%
Winona, MN (FHA|USDA|VA) 1 $145,000 $145,000 $1,296 3.13%
NILES, MI (FHA|USDA|VA) 1 $145,000 $145,000 $485 2.75%
Crossville, TN (FHA|USDA|VA) 1 $145,000 $145,000 $0 2.88%
Sandusky, OH (FHA|USDA|VA) 1 $135,000 $135,000 $5 3.13%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $135,000 $135,000 $2,611 3.63%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $135,000 $135,000 $2,218 3.63%
Marquette, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,019 3.13%
Marinette, WI-MI (FHA|USDA|VA) 1 $135,000 $135,000 $1,097 3.00%
Wahpeton, ND-MN (FHA|USDA|VA) 1 $135,000 $135,000 $1,789 3.13%
Norfolk, NE (FHA|USDA|VA) 1 $135,000 $135,000 $1,640 3.13%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $125,000 $125,000 $1,477 2.50%
Fort Dodge, IA (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.63%
Torrington, CT (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.13%
Ottumwa, IA (FHA|USDA|VA) 1 $115,000 $115,000 $0 2.88%
Fairmont, MN (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.50%
Marion, IN (FHA|USDA|VA) 1 $95,000 $95,000 $1,477 3.00%
Hutchinson, KS (FHA|USDA|VA) 1 $95,000 $95,000 $1,549 3.75%
McComb, MS (FHA|USDA|VA) 1 $95,000 $95,000 $0 2.88%
READING, PA (FHA|USDA|VA) 1 $85,000 $85,000 $3,064 2.38%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.00%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $65,000 $65,000 $1,217 3.50%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $55,000 $55,000 $2,320 2.88%
Sirva Mortgage's top markets include Dallas, Houston, Nashville, Phoenix, and Minneapolis among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,105 $697,675,000 $331,437 $1,359 3.06%
    VA 129 $50,095,000 $388,333 $6,527 3.07%
    FHA 88 $23,890,000 $271,477 $5,733 3.16%

    For 2020, Sirva Mortgage's most frequently originated type of loan was Conventional, with 2,105 originations. Their 2nd most popular type was VA, with 129 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,850 $640,640,000 $346,292 $1,728 3.10%
    Refi 395 $112,405,000 $284,570 $2,099 2.87%
    Cash Out Refi 75 $18,315,000 $244,200 $2,365 3.18%
    Other 2 $300,000 $150,000 $1,694 2.69%

    For 2020, Sirva Mortgage's most frequently cited loan purpose was Home Purchase, with 1,850 originations. The 2nd most popular reason was Refi, with 395 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,843 $646,325,000 $350,692 $1,919 3.21%
    15 Year 367 $95,735,000 $260,858 $1,514 2.64%
    20 Year 54 $14,370,000 $266,111 $1,484 3.12%
    5 Year 31 $6,815,000 $219,839 $0 0.00%
    10 Year 19 $5,945,000 $312,895 $806 1.61%
    Other 8 $2,470,000 $308,750 $2,398 3.13%

    For 2020, Sirva Mortgage's most frequently cited loan duration was 30 Year, with 1,843 originations. The 2nd most popular length was 15 Year, with 367 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,275 $752,685,000 $330,851
    $1k-2k 21 $8,525,000 $405,952
    $2k-3k 11 $4,325,000 $393,182
    $3k-4k 9 $3,545,000 $393,889
    $4k-5k 4 $1,500,000 $375,000
    $5k+ 2 $1,080,000 $540,000

    Sirva Mortgage's average total fees were $1,919, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,275 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,093 $372,635,000 $340,929
    2.5-3% 894 $303,920,000 $339,955
    <2.5% 303 $85,375,000 $281,766
    4-5% 32 $9,730,000 $304,063

    During 2020, Sirva Mortgage's average interest rate for loans was 3.21%, while their most frequently originated rate bucket for loans was 3-4%, with 1,093 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,292 $378,980,000 $293,328 $1,763 3.08%
    $400k-600k 496 $233,030,000 $469,819 $1,981 3.09%
    $100k-200k 379 $60,075,000 $158,509 $1,525 2.95%
    $600k-1MM 94 $69,440,000 $738,723 $2,701 3.19%
    $100,000 or less 39 $3,035,000 $77,821 $1,257 3.03%
    $1MM+ 22 $27,100,000 $1,231,818 $3,016 2.88%

    2020 saw Sirva Mortgage place emphasis on $200k-400k loans with 1,292 originations, totaling $378,980,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 837 $255,855,000 $305,681 $1,804 3.11%
    $150k-250k 710 $274,980,000 $387,296 $1,745 3.04%
    $75k-100k 387 $93,485,000 $241,563 $1,885 3.19%
    $250k+ 200 $109,550,000 $547,750 $1,602 2.68%
    $50k-75k 157 $33,115,000 $210,924 $2,186 3.07%
    $50k or less 31 $4,675,000 $150,806 $2,094 3.32%

    Sirva Mortgage lent most frequently to those with incomes in the $100k-150k range, with 837 originations. The second most popular income band? $150k-250k, with 710 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 687 $221,845,000 $322,918 $1,612 3.08%
    30-36% 460 $167,170,000 $363,413 $1,751 3.11%
    <20% 337 $92,725,000 $275,148 $1,467 2.98%
    39% 71 $25,045,000 $352,746 $1,917 3.12%
    42% 70 $23,830,000 $340,429 $1,875 3.07%
    38% 70 $24,060,000 $343,714 $1,607 3.03%
    41% 69 $27,355,000 $396,449 $1,347 3.19%
    37% 68 $23,590,000 $346,912 $2,365 3.13%
    44% 68 $23,880,000 $351,176 $3,088 2.90%
    36% 63 $22,955,000 $364,365 $2,083 3.17%
    40% 61 $20,715,000 $339,590 $2,177 3.13%
    43% 57 $19,405,000 $340,439 $2,363 3.12%
    45% 51 $17,555,000 $344,216 $2,118 3.11%
    47% 45 $13,505,000 $300,111 $2,367 3.05%
    49% 39 $13,165,000 $337,564 $1,483 3.25%
    46% 37 $12,115,000 $327,432 $2,120 2.98%
    48% 35 $11,345,000 $324,143 $2,047 3.01%
    50-60% 34 $11,400,000 $335,294 $3,969 2.31%

    Sirva Mortgage lent most frequently to those with DTI ratios of 20-30%, with 687 originations. The next most common DTI ratio? 30-36%, with 460 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,793 $590,845,000 $329,529 $1,801 3.10%
    Asian 214 $73,020,000 $341,215 $1,570 2.81%
    Not provided 171 $57,815,000 $338,099 $1,697 2.98%
    Black 125 $43,215,000 $345,720 $2,441 3.06%
    American Indian 15 $5,725,000 $381,667 $2,353 3.06%
    Native Hawaiian or Islander 4 $1,040,000 $260,000 $3,073 3.19%

    Approval Rates

    Total approvals of all applications
    97.51%

    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
    65.63%

    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 2,322 $771,660,000 $332,326

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 2,322 $771,660,000 $332,326

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 79 $19,405,000 $245,633 $889 2.49%
    40-60% 226 $63,610,000 $281,460 $1,524 2.88%
    60-80% 843 $293,485,000 $348,144 $1,485 3.08%
    80-100% 1,101 $373,555,000 $339,287 $1,801 3.20%
    Over 100% 38 $15,420,000 $405,789 $14,497 3.11%
    Under 20% 35 $6,185,000 $176,714 $197 0.66%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Servion, Inc. Conventional home mortgage Trouble during payment process 1 100.0%