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State Financial Network

Independent Mortgage Company•Broomall, PAHQ•Wholesale•Reviews near you on Google

State Financial Network has 171 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Regional · 4 mkts
Safe Rate Awards
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

Explore another lender or local market

Report Card

State Financial Network performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+17.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume171
Mix100.0%
Spread
+0.177%Above
Fees
$739Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume151
Mix88.3%
Spread
+0.197%Above
Fees
$758Fees
Refinance
Overall
Strong
Product
Acceptable
Pricing
Exceptional
Pull Through
Strong
Volume20
Mix11.7%
Spread
+0.026%Above
Fees
$593Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
171
Applications
192
Volume
$44 million
Pricing & Closing
Avg Rate Spread
+0.177%
vs. market APOR
Avg Net Fees
$739
Origination − Credits
Pullthrough Rate
89.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$257,515
Avg Borrower Income
$127,977
Avg Property Value
$341,023

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NJPA
South2
DEMD

Top Metro Areas by Place Specialization Score

1© Dan Gaken · CC BY 2.0
Pittsburgh, PAMetro
Volume 56Mix 32.75% of portfolio
68/100
Strong
2© 颐园居 · CC BY-SA 4.0
Philadelphia, PAMetro
Volume 50Mix 29.24% of portfolio
68/100
Strong
3© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 26Mix 15.20% of portfolio
58/100
Sound
4© Jack · CC BY-SA 2.0
Reading, PAMetro
Volume 13Mix 7.60% of portfolio
49/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 155Mix 90.64% of portfolio
74/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.