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HOWARD HANNA FINANCIAL SERVICES, INC.
Independent Mortgage Company|PITTSBURGH, PA|Multi-Region
Loans Originated
4,060
Applications
5,039
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.302%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,291
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
80.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Things to Think About
- Pricing may be below industry average
Report Card
HOWARD HANNA FINANCIAL SERVICES, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Strong | Multi-Regional · 28 metro areas · 6 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$273,581
Average Borrower Income
$129,458
Average Property Value
$346,379
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 3,290 | 81.0% | +0.294% | $2,318 |
FHA Loans | Strong | Strong | Sound | Strong | 511 | 12.6% | +0.592% | $2,261 |
VA Loans | Strong | Strong | Sound | Strong | 191 | 4.7% | -0.381% | $1,833 |
Jumbo Loans | Acceptable | Strong | Mediocre | Sound | 40 | 1.0% | +0.460% | $2,498 |
USDA Loans | Sound | Strong | N/A | Sound | 28 | 0.7% | +0.100% | $1,575 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 4,008 | 98.7% | +0.302% | $2,295 |
Refinance | Acceptable | Acceptable | Acceptable | Acceptable | 52 | 1.3% | +0.325% | $2,004 |
Geographic Coverage
Metro Areas
27
States Served
6
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
INMINCOHPASC
Top Metro Areas by Place Specialization Score
1
Pittsburgh, PA, PAMSA
Volume: 926Mix: 22.81%
Place Specialization
Exceptional
2
Cleveland, OH, OHMSA
Volume: 828Mix: 20.39%
Place Specialization
Exceptional
3
Akron, OH, OHMSA
Volume: 267Mix: 6.58%
Place Specialization
Exceptional
4
Asheville, NC, NCMSA
Volume: 112Mix: 2.76%
Place Specialization
Exceptional
5
Charlotte, NC-SCMSA
Volume: 332Mix: 8.18%
Place Specialization
Strong
6
Indianapolis, INMSA
Volume: 264Mix: 6.50%
Place Specialization
Strong
7
Columbus, OH, OHMSA
Volume: 173Mix: 4.26%
Place Specialization
Strong
8
Greensboro, NCMSA
Volume: 90Mix: 2.22%
Place Specialization
Strong
9
Erie, PA, PAMSA
Volume: 66Mix: 1.63%
Place Specialization
Strong
10
Winston, NCMSA
Volume: 63Mix: 1.55%
Place Specialization
Strong
Showing 10 of 27 metro areas
Top States by Place Specialization Score
1
OHState
Volume: 1,621Mix: 39.93%
Place Specialization
Exceptional
2
PAState
Volume: 1,179Mix: 29.04%
Place Specialization
Exceptional
3
NCState
Volume: 744Mix: 18.33%
Place Specialization
Strong
4
INState
Volume: 289Mix: 7.12%
Place Specialization
Strong
5
SCState
Volume: 154Mix: 3.79%
Place Specialization
Strong
6
MIState
Volume: 73Mix: 1.80%
Place Specialization
Sound
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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