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First Federal Savings and Loan Association of Greene Co
Bank|Waynesburg, PA|Regional
Loans Originated
211
Applications
280
Volume
$45 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.051%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$592
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
75.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 5.10 basis points below market average
- Lower than average lender fees
Report Card
First Federal Savings and Loan Association of Greene Co performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Strong | Regional · 3 metro areas · 2 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$214,194
Average Borrower Income
$123,237
Average Property Value
$302,299
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Sound | Exceptional | Strong | 211 | 100.0% | -0.051% | $592 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Sound | Exceptional | Sound | 181 | 85.8% | -0.031% | $578 |
Refinance | Sound | Acceptable | Strong | Strong | 30 | 14.2% | -0.136% | $651 |
Geographic Coverage
Metro Areas
2
States Served
2
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
PAWV
Top Metro Areas by Place Specialization Score
1
Pittsburgh, PA, PAMSA
Volume: 115Mix: 54.50%
Place Specialization
Strong
2
Morgantown, WV, WVMSA
Volume: 26Mix: 12.32%
Place Specialization
Strong
Top States by Place Specialization Score
1
PAState
Volume: 163Mix: 77.25%
Place Specialization
Strong
2
WVState
Volume: 48Mix: 22.75%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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