Lender report card · New Jersey

Sirva Mortgage, Inc.

Seven Hills, OH · What the federal mortgage record shows about how Sirva Mortgage, Inc. treated New Jersey applicants, 2018–2025 — 223 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
97.3%
217 approved
Denial rate
2.7%
6 denied
Decisions
223
2018–2025
Avg. rate spread
+0.02 pp
vs. market benchmark
97.3% approved
2.7% denied

Share of 223 New Jersey applications Sirva Mortgage, Inc. approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional97.2% of 215 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

89%91%93%95%97%99%94%100%100%100%92%95%97%100%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Sirva Mortgage, Inc.’s rates ran -0.22 pp lower than the typical New Jersey lender (average rate spread +0.02 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Sirva Mortgage, Inc. approves

By income
$100–150k97.7% · 44$150–250k97.6% · 82$250k+96.6% · 87
By debt-to-income
Under 36%96.3% · 13636–43%100.0% · 5543–50%100.0% · 29
By down payment (LTV)
20%+ down98.0% · 147

Why Sirva Mortgage, Inc. denied applications

Collateral (value/type)50% of denialsCredit history33% of denialsDebt-to-income ratio17% of denialsInsufficient cash to close17% of denialsOther17% of denials

Where Sirva Mortgage, Inc. lends in NJ

CountyDecisionsApproval
Morris County5694.6%
Somerset County31100.0%

Fees & closing costs

Median total loan costs
$2,093
home purchase
As % of loan
0.45%
NJ median 1.93%
Priced originations
66
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Sirva Mortgage, Inc.’s home-purchase originations — 1.48 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $96. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Sirva Mortgage, Inc. (LEI 549300KQHWNSVCE2MY88). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →