Everything You Need to Know About BSI Financial
Is your loan serviced by BSI Financial? Get honest answers on payments, complaints, your legal rights — and whether refinancing to a better servicer makes sense for you.
See If You Qualify for a Better Mortgage Rate
Compare refinance offers from top lenders. No obligation, no hard credit pull to check your rate.
- Rates from multiple lenders
- Soft credit check only
- Free, no commitment
Complete Guide to Everything BSI Financial
In-depth guides covering every question borrowers ask about BSI Financial Services — from making payments to filing complaints to refinancing away.
My Loan Was Transferred to BSI
Understand why BSI is now servicing your mortgage, what your RESPA rights are, and the 5-step checklist for a smooth transition.
Read the guide →How to Make a Payment
All BSI payment options: online via MyLoanWeb, phone, mail, and ACH. Avoid the most common payment-processing mistakes.
See payment methods →MyLoanWeb Login Help
First-time registration walkthrough, password recovery, mobile access, and what to do when the portal is down.
Login troubleshooting →File a Complaint Against BSI
Step-by-step guide to filing with the CFPB, BBB, and how to draft a Qualified Written Request that gets a response.
Complaint guide →Refinance Savings Calculator
See how much you could save by refinancing away from BSI. Includes payment, APR, and break-even calculators.
Run the numbers →Explore Refinance Options
Check current refinance rates from top-rated lenders and see if you qualify to move away from BSI Financial.
Get rate quotes →What Is BSI Financial Services?
BSI Financial Services is the operating name for Servis One, Inc., a residential mortgage servicer headquartered in Irving, Texas. Founded in 1986, BSI manages approximately $50 billion in mortgages on behalf of lenders and investors under NMLS ID #38078.
BSI does not originate mortgages directly. Instead, when a lender sells your loan on the secondary market, BSI is often assigned to collect your monthly payments, manage your escrow account for taxes and insurance, and handle borrower communications. This means most borrowers didn't choose BSI — they inherited BSI when their loan changed hands.
BSI is approved by Fannie Mae, Freddie Mac, FHA, VA, USDA, and Ginnie Mae, and is rated by S&P, Fitch, KBRA, and DBRS. Despite these regulatory credentials, BSI has faced significant consumer complaints — including a 2019 CFPB consent order — and its consumer ratings across public review platforms average around 1.3 stars out of 5.
BSI Financial's Core Services
What Customers Say About BSI Financial
Aggregated consumer ratings and common themes from public review platforms. Ratings shown are current averages, not fabricated.
Most Common Complaint Themes
Escrow Account Errors
Many reviewers report incorrect property tax amounts, insurance premiums paid to wrong companies, and shortages triggering payment increases without proper notice.
Payment Processing Delays
Mailed checks reportedly taking weeks to post to accounts, causing late fees. Online payments sometimes fail to apply on the intended date.
Customer Service Issues
Long hold times, dropped calls, and inconsistent information from representatives are recurring themes. Written correspondence (QWRs) is often reported as the most reliable path to resolution.
Complaints & Regulatory History
Formal enforcement actions and the most common consumer complaint categories.
CFPB Consent Order
In May 2019, the Consumer Financial Protection Bureau settled with BSI Financial (Servis One, Inc.) for violations of RESPA and TILA during loan servicing transfers.
- $200,000 civil money penalty
- $36,500+ in borrower restitution
- Failure to properly handle loan modifications
- Inadequate document management systems
- Data integrity failures during loan boarding
Common Complaint Categories
Escrow & Tax Errors
Incorrect property tax disbursements, insurance paid to wrong providers, unexplained escrow shortages.
Payment Processing
Delayed check posting, misapplied payments, unauthorized ACH debits, late fees from processing errors.
Customer Service
Long hold times, unresponsive representatives, inconsistent answers across support channels.
Loss Mitigation
Forbearance and modification requests reportedly delayed, denied without clear explanation, or mishandled.
Did Your Mortgage Get Transferred to BSI Financial?
It happens to millions of borrowers each year. Under federal law, you have important rights when your loan servicer changes. Here's everything you need to know — and what to do next.
Read the Complete GuideHow BSI Financial Compares to Other Mortgage Servicers
If you refinance away from BSI, your loan will likely be assigned to a different servicer. Here's how BSI stacks up against the largest U.S. mortgage servicers by consumer rating.
| Servicer | Avg Rating | Best For | Get Rates |
|---|---|---|---|
| BSI Financial Current servicer |
1.3★ | Payment processing only — not consumer-facing | You're here |
| Rocket Mortgage Detroit, MI |
4.5★ | Digital-first experience, fast approvals | Get Rates → |
| Mr. Cooper Coppell, TX |
3.8★ | Large servicer, established support | Get Rates → |
| PennyMac Westlake Village, CA |
3.6★ | Government-backed loan specialist | Get Rates → |
| Chase Home Lending New York, NY |
4.1★ | Existing Chase customers, jumbo loans | Get Rates → |
Frequently Asked Questions about BSI Financial
Common questions from homeowners whose loans are serviced by BSI Financial Services.
BSI Financial Services is the operating name for Servis One, Inc. (NMLS #38078), a residential mortgage servicer headquartered in Irving, Texas. Founded in 1986, BSI manages mortgage payments, escrow accounts, and borrower communications on behalf of lenders and investors. It currently services approximately $50 billion in mortgages and is approved by Fannie Mae, Freddie Mac, FHA, VA, and USDA. BSI does not originate mortgages directly.
Mortgage loans are routinely bought and sold on the secondary market. When a lender sells your loan to an investor, the investor may assign a servicer — like BSI Financial — to collect payments and manage your account. This is legal and common; it has nothing to do with your payment history. Under RESPA, your original lender must give you 15 days' advance notice, and BSI must send you a welcome notice within 15 days of taking over. Learn more about your rights →
BSI Financial accepts payments through several methods: online via the MyLoanWeb borrower portal (bsifinancial.com), by phone at 800-327-7861, by mail to P.O. Box 679002, Dallas, TX 75267-9002, or by setting up automatic ACH payments. BSI does not accept cash under any circumstances. See the full payment guide →
BSI Financial customer care is available toll-free at 800-327-7861. Fax: 814-217-1366. Mailing: BSI Financial Services, P.O. Box 517, Titusville, PA 16354-0517. Spanish-speaking representatives are available, and translation services can be arranged for other languages. View all contact options →
Yes — you are not locked in to BSI Financial as your servicer. When you refinance your mortgage with any lender, your new lender assigns a servicer of their choosing, which may or may not be BSI. Many borrowers refinance specifically to move to a servicer with better customer service ratings. Use our refinance savings calculator to see if it makes financial sense for your situation. Explore refinance options →
Yes, BSI Financial is a licensed, federally regulated mortgage servicer operating under NMLS ID 38078. It is approved by Fannie Mae, Freddie Mac, FHA, VA, USDA, and Ginnie Mae, and rated by S&P, Fitch, KBRA, and DBRS. However, BSI received a CFPB consent order in 2019 and consistently receives poor consumer ratings across public review platforms.
In May 2019, the CFPB settled with BSI Financial (Servis One, Inc.) for violations of RESPA and TILA. The key issues were: (1) improperly handling loan modification agreements during servicing transfers, (2) maintaining an inadequate document management system, and (3) failing to ensure data integrity during loan boarding. BSI paid a $200,000 civil money penalty and at least $36,500 in borrower restitution. Read the full complaint analysis →
Based on public complaints filed with the CFPB, BBB, and consumer review platforms, the most frequent issues are: (1) escrow account errors — incorrect tax amounts, insurance paid to wrong companies, (2) payment processing delays — mailed checks taking weeks to post, (3) poor customer service — dropped calls, inconsistent information, rude representatives, and (4) unauthorized account charges. BSI averages approximately 1.3 stars out of 5 across major review platforms. Read customer reviews →
The most effective method is filing with the CFPB at consumerfinance.gov/complaint — BSI is legally required to respond within 60 days. You can also file with the BBB at bbb.org, or send a Qualified Written Request (QWR) to: BSI Financial Services, Attn: QWR, P.O. Box 517, Titusville, PA 16354. Step-by-step complaint guide →
BSI Financial's borrower portal is called MyLoanWeb, accessible at bsifinancial.com. First-time users need their loan number and the last 4 digits of their Social Security Number to register. If you have trouble logging in, call 800-327-7861 or use the "Forgot Password" link on the login page. Full login troubleshooting guide →
BSI Financial Services — States Where They Operate
BSI Financial Services (Servis One, Inc., NMLS #38078) is licensed to service residential mortgage loans in all 50 U.S. states and Washington D.C. If your loan was transferred to BSI Financial, your borrower rights under RESPA apply regardless of which state you live in.
Expert Analysis You Can Trust
BSI Financial USA's editorial team consists of researchers with backgrounds in mortgage servicing, consumer finance law, and regulatory compliance. Every article on this site is reviewed for accuracy, updated regularly, and sourced from primary documents including CFPB enforcement records, NMLS filings, BBB complaint data, and direct borrower accounts.
No Score Inflation
We report consumer ratings exactly as they appear across public platforms — never inflated to protect advertisers.
Primary Source Verification
All regulatory claims are sourced from official government documents — CFPB, NMLS, court filings, and BBB records.
FTC 16 CFR Part 255 Compliant
All affiliate and commercial relationships are fully disclosed. Editorial positions are never influenced by compensation.
Regularly Updated
Content is reviewed quarterly and updated whenever significant regulatory or consumer-facing changes occur at BSI Financial.