# HOWARD HANNA FINANCIAL SERVICES, INC.

> **Canonical URL:** https://saferate.com/lenders/howard-hanna-financial-services


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HOWARD HANNA FINANCIAL SERVICES, INC. is a independent mortgage company, headquartered in PITTSBURGH, PA, serving borrowers across 6 states, with 4,060 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 62% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300157R33LDICP344
- **Headquarters:** PITTSBURGH, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** IN, MI, NC, OH, PA, SC
- **Markets (MSAs):** 28
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.302%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,291
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,060
- **Dollar Volume:** $1.1 billion
- **Applications Received:** 5,039
- **Market Share:** 11.00%

## Typical Borrower Profile

- **Average Loan Amount:** $273,581
- **Average Borrower Income:** $129,458
- **Average Property Value:** $346,379

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 80/100 | 3,290 | +0.294% | $2,318 | Exceptional 🤩 |
| FHA | 78/100 | 511 | +0.592% | $2,261 | Strong 😀 |
| VA | 75/100 | 191 | -0.381% | $1,833 | Strong 😀 |
| Jumbo | 74/100 | 40 | +0.460% | $2,498 | Strong 😀 |
| USDA | 76/100 | 28 | +0.100% | $1,575 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,242 loans, Score: 81/100 (Exceptional)
- Refinance: 48 loans, Score: 43/100 (Sound)

**FHA:**
- Purchase: 509 loans, Score: 79/100 (Strong)

**VA:**
- Purchase: 189 loans, Score: 76/100 (Strong)

**Jumbo:**
- Purchase: 40 loans, Score: 75/100 (Strong)

**USDA:**
- Purchase: 28 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 82/100 | 4,008 | $1.1B | +0.302% | Exceptional 🤩 |
| Refinance | 40/100 | 52 | $13M | +0.325% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 1,621 | 1.20% | 88/100 |
| PA | 1,179 | 0.97% | 87/100 |
| NC | 744 | 0.50% | 77/100 |
| IN | 289 | 0.32% | 70/100 |
| SC | 154 | 0.19% | 67/100 |
| MI | 73 | 0.06% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Pittsburgh, PA | PA | 926 | 98/100 |
| Cleveland, OH | OH | 828 | 92/100 |
| Non |  | 378 | 65/100 |
| Charlotte | NC-SC | 332 | 80/100 |
| Akron, OH | OH | 267 | 88/100 |
| Indianapolis | IN | 264 | 76/100 |
| Columbus, OH | OH | 173 | 73/100 |
| Asheville, NC | NC | 112 | 81/100 |
| Greensboro | NC | 90 | 70/100 |
| Erie, PA | PA | 66 | 69/100 |
| Raleigh | NC | 65 | 61/100 |
| Winston | NC | 63 | 66/100 |
| Dayton | OH | 51 | 58/100 |
| Harrisburg | PA | 47 | 63/100 |
| Youngstown | OH | 46 | 61/100 |

## Where This Lender Ranks

HOWARD HANNA FINANCIAL SERVICES, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Pittsburgh, PA for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#4** in Cleveland, OH for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#4** in Akron, OH for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Cleveland, OH for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Akron, OH for FHA Loans
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Cleveland, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Cleveland, OH for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#6** in Akron, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Asheville, NC for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#6** in Erie, PA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#7** in Asheville, NC for VA Loans
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/va-loans)
- 🏆 **#7** in Erie, PA Mortgage Companies
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Erie, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Youngstown for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/youngstown/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#8** in Ohio for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#8** in Pittsburgh, PA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#8** in Akron, OH Mortgage Companies
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Asheville, NC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Erie, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Sandusky, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does HOWARD HANNA FINANCIAL SERVICES, INC. offer?

HOWARD HANNA FINANCIAL SERVICES, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HOWARD HANNA FINANCIAL SERVICES, INC. offer mortgages?

HOWARD HANNA FINANCIAL SERVICES, INC. offers mortgages in 6 states: IN, MI, NC, OH, PA, SC.

### How competitive are HOWARD HANNA FINANCIAL SERVICES, INC.'s mortgage rates?

HOWARD HANNA FINANCIAL SERVICES, INC. has a pricing score of 38/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.302% above market average.

### What type of lender is HOWARD HANNA FINANCIAL SERVICES, INC.?

HOWARD HANNA FINANCIAL SERVICES, INC. is a non-depository lender that specializes in mortgage origination, headquartered in PITTSBURGH, PA.

### What is HOWARD HANNA FINANCIAL SERVICES, INC.'s loan approval success rate?

HOWARD HANNA FINANCIAL SERVICES, INC. has a pull-through score of 74/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/howard-hanna-financial-services

### How to Cite

> "HOWARD HANNA FINANCIAL SERVICES, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/howard-hanna-financial-services

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