# State Financial Network, LLC

> **Canonical URL:** https://saferate.com/lenders/state-financial-network


> **📋 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


State Financial Network, LLC is a independent mortgage company, headquartered in Broomall, PA, serving borrowers across 4 states, with 171 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 20% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493000SW5GLNL7VNX12
- **Headquarters:** Broomall, PA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** DE, MD, NJ, PA
- **Markets (MSAs):** 5
- **Primary Channel:** wholesale
- **Direct Origination:** 9.9%
- **Brokered/Wholesale:** 90.1%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 80/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.177%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $739
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 171
- **Dollar Volume:** $44 million
- **Applications Received:** 192
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $257,515
- **Average Borrower Income:** $127,977
- **Average Property Value:** $341,023

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 171 | +0.177% | $739 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 151 loans, Score: 43/100 (Sound)
- Refinance: 20 loans, Score: 36/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 151 | $39M | +0.197% | Sound ☺️ |
| Refinance | 34/100 | 20 | $6M | +0.026% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 155 | 0.13% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Pittsburgh, PA | PA | 56 | 68/100 |
| Philadelphia, PA | PA | 50 | 68/100 |
| Montgomery County | PA | 26 | 58/100 |
| Reading, PA | PA | 13 | 49/100 |
| Non |  | 11 | 25/100 |

## Where This Lender Ranks

State Financial Network, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#15** in Philadelphia, PA Mortgage Companies
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/mortgage-companies)
- 🏆 **#16** in Pittsburgh, PA Mortgage Companies
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does State Financial Network, LLC offer?

State Financial Network, LLC offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does State Financial Network, LLC offer mortgages?

State Financial Network, LLC offers mortgages in 4 states: DE, MD, NJ, PA.

### How competitive are State Financial Network, LLC's mortgage rates?

State Financial Network, LLC has a pricing score of 80/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.177% above market average.

### What type of lender is State Financial Network, LLC?

State Financial Network, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Broomall, PA.

### What is State Financial Network, LLC's loan approval success rate?

State Financial Network, LLC has a pull-through score of 53/100 (Sound). 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/state-financial-network

### How to Cite

> "State Financial Network, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/state-financial-network

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